This might actually be a good way to teach kids about credit and interest. Let them borrow a small amount at a high interest rate and walk them through paying it off.
It’s one thing to tell them about financial responsibility. But watching a bad choice drain their piggy bank is the sort of trauma that leaves a scar.
Oh I don’t know if that was the reason for the one in the image. I agree with you that needing to finance ice cream is sad. I’m just thinking it could be a good intro to predatory finance for kids.
But its just literally feeding McDonald’s for no reason . Maybe the parents could rent money to kids in this way if you really wanna teach them that " lesson" for whatever reason .
The owners are Christian, but I think it’s disingenuous to call them far-right or extremists. Compare their activities to Chick-Fil-A, for example; they’re open Sunday and don’t donate to hate groups.
Maybe I misremember but I thought they went crazy during covid and got into the whole antimask nonsense and refusing to comply with health and safety rules.
I think this may not be a bad way to teach kids the dangers of compound interest, but only if you refund the excess interest afterwards because actually tricking your kid into draining their bank account in interest is a dick move.
You could just ask easily be the bank yourself and save the “interest” for a birthday gift or something later on. This really isn’t a difficult concept to use as a teaching opportunity without just screwing over a kid. Do you teach your kids to not walk into traffic by letting them get hit by a car too?
I mean, we’re talking about borrowing 10 bucks for buying McDonald’s here, I think they’ll probably be able to recover from that just a little faster than they would from getting hit by a car.
That’s why you let them think they lost a bunch of money for a few moments before giving it all back and telling them you love them, but that not everyone loves them in the same way and that real bankers won’t be so kind.
As long as you make sure your kids know that you have their back and you’ll support them through recovering from a setback like that, I think they’ll be fine. Paying them back to erase all the pain of the loss might set an unrealistic expectation because at some point, you won’t be there to bail them out anymore. Just don’t add insult to injury by making fun of them or blaming them for their mistakes.
I just use credit for everything and hover in the 820s. Unless there’s some substantial discount for paying cash I just don’t see the point these days.
That being said, my wonderful credit score ain’t doing shit for me. It’s not like I get some magical super low interest rate. Maybe when things calm down it’ll be worth it, but then there will be some other reason not to borrow money.
There are some nice perks to good credit outside of interest. It can qualify you for better housing, better perks on certain rentals, not having to worry about emergency situations killing your savings outright, and let’s you take advantage of stuff like cash back and bulk purchasing discounts. An example is staple foods, being able to hit the once-a-year bulk deals on stuff like rice or Lawreys garlic salt can cut the price of those items in half or better (personal examples, but the thought should hold). Ancillary perks, but they do add up.
“Credit Score” exists purely to sell you more credit score. It’s only there because they were forced to let you see your own credit history, and they figured “why not monetise that somehow”, so now you’ll be bombarded with ads for more credit and loans, which boosts your “score” while giving them a sliver in affiliate fees.
Actual lenders will examine your credit history, and apply their own score. The criteria for a phone contract, am unsecured bank loan, a mortgage, etc, will all have wildly different requirements. I have one credit card that I pay off each month, and that was enough to get a house.
Paying what you owe reliably is all they’re really looking for.
Credit cards come with fraud protection and help you build a credit score, which will get you a lower interest rate on a loan, if you need one. So long as you only spend money you have on hand, and pay off your card every month in full, there’s no down side.
is this a universal thing or are you just assuming that the entire world works like the US? Here in sweden i have never heard of anyone actually using a credit card.
The debt industry makes so much god damned money for the companies involved in it, it’s not even funny.
Between student loans and credit cards, US citizens have a collective $1.73 trillion in debt. And let’s just assume 15% interest on average (probably a low-ball to be honest): that’s $173 billion going to these companies in interest payments per year.
Shit won’t change here because too many people with too much power are making too much money.
In all fairness, it’s not exactly something people talk about - and for the record, I’ve never ended up paying any interest on the card. It’s just convenient, offering a layer of protection for charges, makes it easier for me to track spendings, and allows me to be earning interest on my paycheck by keeping it in a savings account until I need to balance the CC.
Philips are designed the way they are so that they “cam out”. Meaning if too much force is applied to the screw, the driver will intentionally pop out to avoid damaging the tool or the fastener. Its a feature, not a flaw. A Robertson (square), torx, or hex will let you apply enough force until the screw or the driver fail catastrophically.
Without providing an alternative, this infographic (not a meme) is useless to me. For all I know, every other kind of trouser is worse. Without a source for the data, it could all just be lies.
The biggest problem is that artificial fabrics are better if you only use these measures. Nylon doesn’t require arable land, or fertilizers, nor take the place of food production. Nylon is much lighter so far more efficient to ship. I don’t know about manufacturing water or co2, but I wouldn’t be surprised if nylon wins.
This is why it’s not that easy. This is why “plastics” will be impossible to stop using. Do we really think it’s beneficial to continue down the path of fewer natural fabrics, even if common metrics say it is?
As you said , we need alternatives, including why. Some of that may be additional metrics (anyone concerned about micro plastics in wastewater?). Otherwise this just creates stress and hopelessness.
People say you come back. Reincarnation. Do you think so? Well, it doesn’t seem mathematically possible to me, man. Uh, 'course at one time what we had on the earth was six people, you know. I avoid “two” because it’s controversial but six… most people agree, “fuck, yeah, we had six at one time.” Six people, six souls… cool. They died, souls went back to the place; six new people souls- still six souls. Now we have four billion people… claiming to have souls. Someone is printing up souls… and it lowers their value, you know.
There’s no particular reason to think souls and reincarnation would follow the normal flow of time. If you can be reincarnated in a different place from where you lived, why not a different time? Maybe you could be reincarnated as anyone who had ever lived, or anyone ever will live. Taken to the extreme, there could be just one soul and we’re all reincarnations of each other. It’s all woo, so why not?
This feels like one of those right wing memes that could go either way, but let’s break it down like this Uncle Ben and Aunt Jamima are both domestic servants, do you think that’s an appropriate mascot for a company? Do you think black folks want them as some of their oldest icons?
Land of lakes also has a stereotypically dressed native woman who probably wouldn’t dress like that at all even back in the day.
I get that most people couldn’t give a shit either way but when you use your brain to think about how messed up presumably white owned companies are for using slaves and genocided people as their logos or mascots is pretty fucked.
But hey you’re not here for an insightful discussion, you’re here to get those hate clicks.
Well, the Sun-Maid girl is clearly working a job that’s mostly done by immigrants from the south these days, so using a white woman instead of a brown one denies them representation. But using a brown woman would also be racist because it would perpetuate harmful stereotypes… hm, what to do?
Little Debbie is clearly a child. Do you want children to be exploited for marketing purposes?
At least a Quakers are historically against war and slavery, so I guess he can stay.
As a European (we had slavery, made more wars than you can imagine and have probably the worst history you can’t even imagine) nice try locking people up in “black” vs “white”.
No, I’m just pointing out that “they practiced slavery” isn’t an argument you can just throw at any race or nationality in particular without inflicting massive self-damage. Literally everyone is guilty of it.
haha no. such a huge claim requires substantial evidence - and you left yourself an easy out. Many cultures practiced slavery, true. Most cultures? Maybe an argument could be made. All?
ALL?
That requires substantial evidence there’s absolutely nothing supporting it.
Now I get it, the easiest way to debase your enemy’s righteousness is to drag them down to your level. But you don’t get this one shitbag. Slavery isn’t universal. You just want it to be so it makes you feel better about your premise.
Since you’re the one making the claim that not all cultures have a history of it, I’ll leave it to you to find me a single counterexample of a culture that never practiced it. But even if that should exist, I think there’s certainly overwhelming evidence that it was extremely widespread and common practice on every single continent at some point in history.
Why is it so important to you that “almost all cultures” practiced slavery? What does that do for you?
At the risk of repeating myself: “they practiced slavery” isn’t an argument you can just throw at any race or nationality in particular without inflicting massive self-damage.
It doesn’t absolve the inherent evil of the institution. No amount of “well billy and tommy did it too” makes it right, kiddo.
I never claimed that. But I’m still waiting for you to find me a single example of a culture that never practiced slavery.
So… Now that you have multiple examples, what then sport? Will you reevaluate your flawed premise and integrate new information that refutes your logic, or will you just piddle along with the flawed reasoning that got you here?
I hope you’re willing to learn because that is historically incorrect. The first nation to abolish slavery was Hati around a decade before the first European country (Denmark). That is if we are talking abolish and keep abolished in all territories controlled. Persia is possibly the first country recorded to have used slaves but they would have periods of “abolishment” which were probably good for causing slave revolts in new areas they were thinking of conquering. Arguably the first country to have and to abolish slavery.
I suppose that once again depends on definitions. There’s likely a reason people often use the term “wage slavery” these days even though on paper, salaried workers are by no means slaves, since they can quit whenever they want to, but that doesn’t mean that in practice, people don’t end up in situations that feel like slavery anyways.
Debt slavery is another one that gets thrown around, even though the possibility of declaring bankruptcy and thus getting off the hook for only a fraction of what you owe is technically available. It almost seems as if slavery is part of the human condition, and if not externally imposed, people will find a way to self-impose it in one way or another.
Either way, it seems silly to suggest that only the slavery imposed by one particular group of people on one particular group of other people is morally objectionable, and I’m also not entirely convinced that erasing any reminders of it does anything at all to right that wrong. At some point, it must be possible to look back at the past and say “well, that was awful, but at least we’re over it now”, but that isn’t possible if you erase any and all traces of it, is it?
Yeah it’s hard to have a good faith debate about a post that wasn’t made in good faith. Anyone who’s being intellectually honest wouldn’t try to equate these company mascots.
From 1946 to 2020, Uncle Ben’s products carried the image of an elderly African-American man dressed in a bow tie, which is said to have been based on a Chicago maître d’hôtel named Frank Brown with the name “Ben” being a possible reference to a shrewd rice farmer from Houston. In 2020, Mars told Ad Age, “We don’t know if a real ‘Ben’ ever existed.” According to Mars, Uncle Ben was an African-American rice grower known for the quality of his rice. Gordon L. Harwell, an entrepreneur who had supplied rice to the armed forces in World War II, chose the name “Uncle Ben’s” as a means to expand his marketing efforts to the general public.
Only the picture. There was an actual Uncle Ben who was a rice farmer. And an actual Aunt Jemima making pancake mix. Both were born into slavery, both had white corporations exploit them. Uncle and Aunt are also both titles used in the Antebellum South for older house slaves trusted by the family.
I’m not making a statement about the post, but “it’s just shit posting” is a reeeeaaal good way to turn this place into a nazi bar. Not calling OP a nazi, just saying that this argument right here is chum in the water for them
Mia, the Land o Lakes butter maiden, is actually rather interesting, at least the modern version they got rid of. The artist was a member of the Red Lake Chippewa and the design included traditional Ojibwe floral motifs. Yeah, it needed to go, but it wasn’t the worst by a long shot.
I just love the idea of a native american being iconfied for… butter.
like, wow, that’s so very, very native and authentic - butter.
I get it, it’s the land-o-lakes, minnesota, and they take butter fucking serious folks, they make it, they eat it, they sculpt it, so yeah, they’re REALLY into butter… but why the stolen iconography? why associate the native americans, who didn’t domesticate cows, with butter of all things?
like what the actual fuck was the line of thought?
Your thoughts are interesting, but I always presumed it was just a simple tribute of sorts. Like you said, Land-O-Lakes, beautiful, natural scenery of America…accompanied by a beautiful Native American woman.
Now take the product itself, like you said, make it make sense. Ehh. Maybe you just can’t. They wanted a mascot & instead of a smiling cow or potato, they chose a woman. Sex sells!
cultural appropriation sells. it’s not just any woman kneeling serving up the dairy products, nah… keep telling yourself it didn’t mean anything, maybe one day you’ll believe yourself, but make no mistake, they wouldn’t have put a white woman kneeling there.
The native cultural influence is pretty strongly interwoven in the fabric of Minnesota. It’s very possible the thought process was just that the locals associated that image with their state, just like the brand name.
The Anishinaabe and Dakota have had major influence on the state and that’s been recognized more in recent history with the renaming of certain places back to their native name, like Bde Maka Ska.
Most of the naming in the metro(and the state name) comes from the Dakota peoples. The Anishinaabe were located more in northern Minnesota and Wisconsin so you’ll see the influence there. For example the town of Biwabik in the iron range which is the Anishinaabe word for iron.
Younger generations also need appropriate internet socialization for the social medias. Need to not live under a rock but also not go off the deep end of Insta or 4chan, respectively.
The finer details of making friends on a discord server befuddles me.
Highly exaggerated by the masculinist movement, I know many people who aren’t in good shape and never were that have a relationship/family life that most would envy
People who aren’t in good shape attract other people who aren’t in good shape. There is someone for everyone. Well not really, but those people are content with each other.
Not really true and you realize that you can just not do exercise without being 400lbs right? Even in the periods where I wasn’t into exercising my weight was stable around ~145lbs at 5’8", I just looked like a regular guy and dated plenty of beautiful women during that time.
The vast majority of the population doesn’t go to the gym and their exercise consists of doing random physical activities around the house, going on walks or having a physically demanding job but a bunch of people with low self esteem got convinced by the internet that they’re hopeless if they don’t go to the gym… Oh and here, buy their product and treat women like shit while you’re at it because it all goes together! That’s what self esteem feels like bitches!
“It doesn’t hurt to” is an idiom meaning it can be beneficial. It doesn’t mean you were arguing that it hurts to be fit. I’m saying it’s not necessary to be fit but it might still be worthwhile.
Seems like you’re looking at these people as a monolith. Most of us treat the gym like a horticulturist treats their garden, it’s therapeutic while also being beneficial. Sure there’s the guys that follow all of the social media “gurus” but you can usually tell who they are by their gear and what they spend most of their time talking about.
9/10 times the guys with the most experience and general level of fitness are the ones that just wear old cut offs and go home to go drink a protein shake. The ones railing pre workout and listening to Andrew Tate aren’t there for the right reasons so they generally never get anywhere with it.
I think it definitely anecdotally helps with confidence, but went searching and seems like at least some studies corroborate this common view, at least for self-esteem
I definitely agree the attempt at directly correlating gym plans to dating is often mis-played. But, there’s solid advice out there about using basic fitness and exercise to combat depression and mood problems. Even if lifting iron won’t do a whole lot for you, occasionally going out for a walk or riding on a bike/kayak/etc will often improve your attitude. And yeah, in the end being less depressed is probably good for dating - just not good to form the direct expectation.
I’ve seen lots of people get obsessed over their “fit” looks, and sometimes them going to the gym is both caused and made worse by more obsession with fitness.
Personally, it helped my confidence a lot and made me happier in my body to hit the gym. Seeing progress in something where you have to have grit and dedication usually does help people boost their confidence though, like learning an instrument or a new language, especially in children. Nothing as rewarding as meeting one’s own goals, if you ask me.
As a woman I would like to add that the Fitness part is not true. Of course if you want to ask out a gym girl she will care about fitness, but also if you want to ask a “fashion” girl out she will care about fashion and so on. Know your target before putting effort in the wrong thing. I’m the type that cares zero about fitness.
Hygiene, manners and not being a creep is default tho. Please do that.
I am a lady and do care about fitness, not so much for looks but as a sign guys take reasonable care of their health. When younger, didn’t care much. But now I am older and guys who are inactive fall apart, and become a lot of work. I know that there’s no guarantee of health but much better odds of more healthy years if a guy takes care of his physical body.
Nope, you neglected the worst offender… SciFi, that they renamed to SyFy (and I pronounce “siffy” or “siffylis” now) that used to have good science fiction but decided WWE and ghost hunting was the way to go.
I know, but the rest of the history of the show is kind of bleak. They had two Netflix seasons before Netflix shitcanned them, then crowdfunded a successful (and terrific IMO) 13th season. This year, they had another crowdfunder, but they did it outside of Kickstarter and put minimal effort in, so it failed. I have no idea if the show will continue at this point. There is Rifftrax and The Mads, but they aren’t really the same. I need my puppets at the bottom of the screen!
NOw it’s Disney+ for Star Wars and Paramount+ for Star Trek. I was excited to find the trove of new Star Trek series the Pat for various reasons I didn’t watch in several years
I’m kind of afraid to know the answer about whether I was fooled by marketing …… when CBS tried to kick off their own personal streaming service with the new Star Treks, I refused to play that game. You’re not getting a subscription for every tv network. Now that the service is Paramount+, I’ll pay (for a while) to also get a studio’s worth of new and old movies. Please tell me there’s a real difference, and I wasn’t just fooled by re-marketing the same old shit
if it makes you feel any better, the US doesn’t really seem to care, commercially speaking, about Thanksgiving. As soon as Halloween is out of the way, all the turkeys take a backseat to St. Nick.
It could also be the landlord meant a photo of the water heater / boiler / whatever they use to get hot water. But he should have been more explicit. Most of these devices have a light or a display that indicates if there’s a problem and what the problem is, so the landlord can take appropriate action.
This is a common issue in tech support, not realizing what the other person doesn’t know. You don’t want to treat the person like a small child and tell them what to do. But on the other hand if you make assumptions about what they know how to do and they don’t, it can cause a lot of miscommunications.
It’s really a everyone sucks here situation. Sending a picture of the water obviously isn’t helpful, a simple response could have been: “Alright I’ll take pictures, can you specify what exactly I need to take pictures off and where to find that”. Then again the landlord just saying need pictures isn’t really helpful either.
Sometimes asking for a picture is just the easiest way, instead of going back and forth describing something in words, especially if it requires technical detail or nuance Remember, not all tents and landlords have 100% mastery of the language.
Neither are dumb. Just limited by assumptions and possibly jaded by past, frustrating experiences.
But you don’t go to a doctor and say “I’m broke, fix me”.
There’s a basic expectation that the patient/tenant will describe why its not broken. What is expected, and what’s it doing instead. (sometimes that needs to be reiterated back to the patient/tenant in order to move, and that’s where the landlord failed here.)
It boils down to experience with diagnosing that kind of problem when reported by a common person.
The amateur landlord so common in our age isn’t going to have that experience and unless they work in an area where it’s common to have to diagnose and fix technical problems they’re not going to be used to the kind of sistematic step by step approach used to pin down the exact nature of a problem so will have trouble even improvising it effectivelly.
Too bad this isn’t tech support and it’s the landlords job to show up and troubleshoot it himself. The tenant bears no responsibility here besides informing the landlord there is a problem.
They’re not responsible for fixing the problem, but they are responsible for ensuring that the problem is fixed, since until it’s fixed the don’t have hot water.
In this case ensuring that the problem is fixed most importantly entails telling the person who has to do the fixing as much about the problem as possible.
If you need help with something, you have to help your helper if you want it to be effective.
Engaging in sexual intercourse with Mildred is perfectly fine as long as there is mutual consent. However, it is not required. Kind words are usually sufficient.
I don’t think I could have sex with a woman named Mildred. Just imagine hitting it from behind, and then you remember her name is Mildred. You’d go soft like a wet noodle within seconds.
If you look at the reddit post it’s citing, it’s from r/shittysuperpowers. A subreddit where you come up with fake shitty super powers is now getting cited as truth by google
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