Shike

Work in Info Sec. Love the arts and hate most people.

[Shike @zinjashike]

@c_sec73 @Pirat_Nation Once they take the money offer to buy was accepted - this is why Amazon does NOT charge until they ship so they can cancel if needed and have zero dispute. In this case they took the money, went "on second thought", cancelled, then refunded the money breaching the sales contract

[Shike @zinjashike]

@flavio_taliesin @mask_bastard @Wokenessisevil I miss translation notes - it actually forced people to learn about other cultures rather than being coddled.

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@Brparadox 8464

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@FRIERENcontent Done

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@NVIDIAGeForce @DOOM Shotgun obviously

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@Xoriey They want perpetual debt, not people that pay off their statements every month.

[Shike @zinjashike]

@jangrewe @HyuugaSora . . . you do know there's multiple definitions right? Like if you go to a dictionary there's literally numbers next to definitions in which the word may be used? Did someone take an iron to your brain and get the wrinkles out or something?

[Shike @zinjashike]

@TSiamang39 @Looeylol @Pirat_Nation They're not beholden to the first because they aren't a government entity. However I would argue regulating them like a natural monopoly should start being on the table . . .

[Shike @zinjashike]

@TravisAbbott429 @SCHIZO_FREQ If you're talking about a true 0% interest loan though it's almost certainly on a new vehicle - I'd agree that such a loan is better than paying cash but at the same time buying a depreciating asset near the top of the curve is brain dead on both accounts.

[Shike @zinjashike]

@TravisAbbott429 @SCHIZO_FREQ Hyundai used deferred interest payment promos, deferred payment loans advertising 0% were common during Covid, and indirect lending using two stage loans to give false impressions while being technically legal. While they technically have a higher APR on paper they advertised 0%

[Shike @zinjashike]

@TravisAbbott429 @SCHIZO_FREQ Entirely depends. The 0% is almost certainly an intro rate. The actual rate after must be below at least 10% to consider or you must pay off within the intro period without prepayment penalties. If the loan rate is higher than 10% then it's not worth it.

[Shike @zinjashike]

@jxxsway_sm2 @hoosiermomlove @janeeagle599 @Rothmus There's definitely ways to succeed still, I feel I've done it in-spite of the deck being stacked by playing as many angles as I could - but we should look at fixing the deck.

[Shike @zinjashike]

@jxxsway_sm2 @hoosiermomlove @janeeagle599 @Rothmus Yep. Like I did that for ten years and finally have a paycheck I'm proud of that allows me to have a home. When I started though? I struggled like hell, and thankfully worked for a 403C to get my student loans discharged (covid helped me because I had years of $0 payments).

[Shike @zinjashike]

@jxxsway_sm2 @hoosiermomlove @janeeagle599 @Rothmus National median for rent in the US is $1.4K so it definitely depends where you live. For example in my city it's roughly $1K for a safe one bedroom 750sq feet.

But yes, housing costs are atrocious.

[Shike @zinjashike]

@codyleftonread @hoosiermomlove @janeeagle599 @Rothmus Ah, I could agree that a lack of passion for a subject can likely be something that holds someone back. In addition someone that gets the degree and thinks they're done learning is generally worthless in just about every aspect - a degree is only the starting point for competency

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@codyleftonread @hoosiermomlove @janeeagle599 @Rothmus I can tell you they are not just given in STEM assuming it's a reputable school. This is why I said I agreed within reason - there ARE useless degrees.

Personality does have some measure, but it alone cannot account for the significant quantifiable issues listed.

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@ketchum_c @hoosiermomlove @Space_Cowboy_81 @Rothmus I have a four year degree in STEM, make six figs in a low CoL area, own a house, have a properly funded 401K, etc. Worked my ass off to get there.

It was still easier for your generation in relation to housing, education, wages, and competition.

[Shike @zinjashike]

@hoosiermomlove @Rothmus So while there's some merit in what you're saying -people are more frivolous with their money today - many would likely trade cheaper commodities for cheaper basic living requirements like housing. Instead they get commodities because it's all they can afford/own.

[Shike @zinjashike]

@hoosiermomlove @Rothmus Wage stagnation is the cherry on top. Wages have not scaled comparatively to housing prices. This means that compared to intrinsic cost of living people are doing worse.

This coming from someone that has a six fig job in a low CoL area that has a house, savings, 401k, etc.