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  • Kilrain's Avatar
    06-14-2018, 01:21 AM
    Nope, his basic argument is that credit cards have no upside, but a lot of downside. They get people in a world of hurt when they slip up and don't pay them off on time every month, but even if you do pay off your balance on time and avoid paying interest, they're still costing you a lot of money. Using credit cards is like gambling with no chance of winning. You lose every time. As for convenience, it's really not something you should be looking for in a payment method as a consumer. The less friction there is when paying for things, the more things people buy. So the smart thing for a consumer is to make it as difficult as possible (within reason) to pay for things. And besides, a debit card gives you all the convenience of a credit card, without the risk of getting into debt.
    45 replies | 684 view(s)
  • Kilrain's Avatar
    45 replies | 684 view(s)
  • Kilrain's Avatar
    06-13-2018, 11:30 AM
    Just don't use credit cards. Period. They're the payday loans of the middle class. Debit cards are "okay". Not perfect, the average person still spends more using plastic (credit or debit), but at least you don't run the risk of spending money you don't have.
    45 replies | 684 view(s)
  • Kilrain's Avatar
    05-26-2018, 01:03 PM
    1. Every person on earth is a descendent of slaves and slave owners, murderers and murder victims, rapists and rape victims. The “black means slave” mentality is what’s to blame for much of this nonsense. It’s about as accurate as “Polish means plumber”. 2. The only victims of slavery are actual slaves. Descendants of slaves are beneficiaries of slavery. Without slavery, they simply would never have been born. That’s basic biology, your parents had to have sex at the exact moment they did for you to be conceived, and the same is true for every one of your pairs of ancestors. If my ancestor X hadn’t been enslaved at time Y, he wouldn’t have slept with the person he did and created my next generation ancestor. Your “right of grievance” begins at conception. Anything that happened before that may be unfortunate, evil or whatever, but it was also necessary for you to ever exist. So the only way to “repair slavery” is to kill every single person on earth. We all owe our lives to slavery, and murder, and rape, and all kinds of nasty stuff.
    18 replies | 385 view(s)
  • Kilrain's Avatar
    05-26-2018, 01:38 AM
    To be fair, it wasn't named after that McCain, it was named after his pappy and grandpappy. Think positive instead: "It's all good, now I can pursue my next career, in law enforcement" - Cmdr. Alfredo Sanchez
    98 replies | 2756 view(s)
  • Kilrain's Avatar
    05-26-2018, 01:14 AM
    I have about as much sympathy for Weinstein as I do for the potted plant, but it doesn't sit right with me indicting someone for something this old. Statute of limitations should be for situations like when a culprit evades prosecution or is only revealed long after the crime took place. You shouldn't be able to file charges against someone fifteen years after they assaulted you. A complaint should have to be filed withing a reasonable time frame, a few months as most, after a crime was committed, or after you realize that a crime was committed. You can imagine times when it's reasonable to overlook a delay in filing charges, like when a child is molested by a guardian and is too afraid to speak out. But this does not fall into that category. The lady must have realized what happened when it happened, and it would have been on her to report it back then. Not now. And if she did report it back then, it would have been up to law enforcement to investigate and prosecute. If they should have done so and didn't, she might have a beef with them for official misconduct. But she should no longer have a legal beef with the plant lover.
    14 replies | 366 view(s)
  • Kilrain's Avatar
    05-24-2018, 05:15 PM
    Or sharing the rent. I think rent was about 400 dollars in the first place I lived after moving out from my parents' place. Pretty steep when making 4 dollars an hour. But since there were two of us making 4 dollars an hour, it was quite manageable. Not in the long run, and it was a tad small - maybe 200 square feet - but it worked until we could get our incomes up.
    35 replies | 1044 view(s)
  • Kilrain's Avatar
    05-24-2018, 05:00 PM
    How does one prepare? By acquiring as much information as possible and making the best decision they can. Now what does that mean? Different things for different people, but some principles are pretty universal. You have to live on less than you make, you have to put money aside for the rainy days ahead. Life can be difficult and some people are truly victim of circumstance, but overall, I violently disagree with the premise that “saving money is hard”. Actually, saving money is really easy, it’s getting started that’s hard. When you make next to nothing, it’s easy to just throw up your hands and say “screw it”. I actually know what it’s like to be among the “educated poor”. When the wife and I got started, we were both just out of college (she had several degrees, I never even finished mine). We were both earning about 4 dollars an hour and had roughly 75,000 dollars in student loans. So what did we do? We started saving every little bit we could. It took maybe six months to get 1,000 dollars together, and I remember being really proud when we got there. These days, a month when we only save 1,000 dollars is a bad month. And it’s not like we make all that much money, I make about an average salary and she makes maybe two-thirds of an average salary. Most of that is because of behavior. For example, we could go out and buy a brand-new car tomorrow, but we choose to drive a 1992 Methmobile because it's dirt cheap. One thing that I also have a problem with is the “rent is too high” argument you often hear. Not the argument in and of itself, rents often are too high, but people often complain about not being able to afford X rent when they make Y money as an individual. In my world, you’re not supposed to be able to afford your own home - rent or buy - on a single low income. Having your “own home” is for when you move in with your spouse, or start making really good money. Until that point, you live at home or shack up with roommates. And if you find yourself in a really high-cost area with a low income, you’re looking at options including getting your income up, combining your income with other people, or moving. I hope this reply was positive enough.
    35 replies | 1044 view(s)
  • Kilrain's Avatar
    05-24-2018, 09:11 AM
    Why do I feel like cracking a "four wives" joke? ;)
    50 replies | 1195 view(s)
  • Kilrain's Avatar
    05-24-2018, 08:39 AM
    NRA? I really thought you'd be a GOA guy.
    50 replies | 1195 view(s)
  • Kilrain's Avatar
    05-23-2018, 07:44 PM
    I'm not trying to pick a fight with you, and I can't do anything to fix your problems. But we can try to prevent others from ending up in the same predicament. Which is why it's a good idea to "mainline some Dave Ramsey", as I suggested, to find out more about how people end up in sticky financial situations and how they can avoid making the same mistakes. For example, your situation highlights why things like life insurance and/or disability insurance can be a good idea. Speaking for the wife and I, we've tried to plan for when the good times will end. Is it foolproof? Of course not, but I'm fairly confident that we (or rather she) will have enough when the time comes.
    35 replies | 1044 view(s)
  • Kilrain's Avatar
    05-23-2018, 11:27 AM
    I sympathize with your predicament, but the broader point is to save money before you have something like a stroke. I have a similar story to tell, but since the wife and I started saving from day 1, we already had a healthy cushion to land on when we got the news. Bottom line, save for a rainy day. Because it's going to rain, be it a sudden event like a stroke or a gradual event like ours. Of course, once tragedy strikes, it's too late to prepare. Again, you have my sympathy, but maybe we can get others to prepare before it's too late.
    35 replies | 1044 view(s)
  • Kilrain's Avatar
    05-23-2018, 10:57 AM
    Mainline some Dave Ramsey, problem solved. Caveat emptor, of course. Not all advice is created equal.
    35 replies | 1044 view(s)
  • Kilrain's Avatar
    05-22-2018, 10:49 AM
    +1 To paraphrase Sir Humphrey Appleby, they should have to cleanse themselves of genocide and apply for admission to the human race before applying for Commonwealth membership.
    5 replies | 183 view(s)
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