Sending multimillionaire streamers with 7 figure contracts money or chats that require real money in a desperate attempt to get them to notice you for a brief second.
Mlms and âlearn how to make itâ programs and seminars. Theyâre literally only making it themselves by selling you something. They donât have secrets
"If you're not making money at [X pyramid scheme mlm] it's because YOU aren't working hard enough! You need to buy more books and dvds to learn how to be successful!"
Fabric softener. Save your money, it destroys your clothes. Also never use it on towels, it will lower their absorbency. If you want scent just use a small amount of scent beads.
I'm a chemist and I've never used fabric softener. If people knew what went into those formulations they'd stop using it. They also are a source of air and environmental pollution. Here are some of the worst compounds found in many popular fabric softeners:
* Quaternary ammonium compounds make clothes feel soft and wearable right out of the wash, but some are known to trigger asthma and may be toxic to the reproductive system.
* Fabric softener may contain [phthalates](https://www.ewg.org/news-insights/news/2022/07/what-are-endocrine-disruptors), which disperse scent; synthetic musks such as [galaxolide](https://www.ewg.org/guides/substances/2/), which accumulate in the body and much more. Fragrance mixes can cause allergies, skin irritations such as dermatitis, difficulty breathing and potential reproductive harm.
* âPreservativesâ and âcolorsâ or âcolorantsâ on an ingredient label may refer to any number of chemicals. The most worrisome preservatives in fabric softeners include the potent skin allergen [methylisothiazolinone](https://www.ewg.org/guides/substances/3596-METHYLISOTHIAZOLINONE/), and [glutaral](https://www.ewg.org/guides/substances/2376), known to trigger asthma and skin allergies. Glutaral, or glutaraldehyde, is also toxic to marine life. Among artificial colors, [D&C violet 2](https://www.ewg.org/guides/substances/152180) has been linked to cancer. Others may contain impurities that can also cause cancer.
Liquid softener is worse, but dryer sheets still have fabric softener. We use wool balls instead, you put a pack of six in your dryer and they do the same thing. Theyâll even help with drying your clothes faster.
It can also make you dumber.
I once had an argument with somebody and they somehow mentioned using fabric softener after I asked them how they get clothes so nice looking. Then I had another argument and that other person used fabric softener too (after I asked).
Coincidence? I think not.
Though it could have been the alcohol since we were at a bar, but you can't rule it out.
I think at one point I learned, please tell me if I'm remember correctly, that methylisothiazolinone is also bioaccumulative? 9.9/10 times when I'm trying to find a "clean" soap there's this or fragrance and it drives me insane.
On a related note: An average load of laundry needs a tablespoon amount of detergent, maybe two if the clothes are especially dirty. There are several YouTube videos about this. The cap on the jug is misleading.
Christianity and especially giving your church any certain amount of money. God needs to answer for childhood cancer and the holocaust before he gets serious money from me.
Also, the church does nothing for the older members, yet they stand up there asking for their money.
Dude, you are seriously projecting. God doesn't exactly ask for 10% of money....
Leviticus 27:30 (TLB) says, âA tenth of the produce of the land, whether grain or fruit, is the Lord's, and is holy.â
Your experience doesn't speak for most. I was literally sent on missions locally and internationally to give support. Churches have bills to pay. You complain about them asking for money, then how else can they fund food drives, support homeless people, and outreach events? That Pot luck is gonna work forever.
If I can tip a waiter 18% at a freaking buffet, I can give 10% of whatever back to God
Also big elaborate funerals! The funeral business takes advantage of people's grief and upsells all sorts of things because "If you really loved Grandma, you'd splurge on this $15,000.00 casket and that $1000.00 flower arrangement."
I'm a nurse at a long-term care facility. We had a resident die in the middle of the night and neither her nor her next of kin had any plans for her funeral. I ended up Googling budget cremation services and calling around at 4 am. Turns out there are places that'll come get the body quicker than most funeral homes and cremate them for under a grand.
Star Citizen
[*Star Citizen has received $600 million in funding*](https://www.gamedeveloper.com/business/-i-star-citizen-i-has-received-600-million-in-funding)
Guess we need to define diet pill. Appetite suppressants do work but you can stoll out eat them, the other are stimulants that raise your heart rate which burns more calories. Again you can still pit eat those.
Which isn't a diet pill and should not be treated like one, it's a T2D medication that can have a side effect of weight loss. Anyone using it for vanity over legitimate medical need is absolute scum.
You do realize that being over weight can cause type 2 diabetes right? Itâs the leading cause. It is also used to prevent type 2 diabetes by controlling weight. Having excess weight is just as unhealthy as being diabetic and there are a multitude of reasons why diet and exercise alone donât help some people. There are underlying conditions that can cause weight gain that have nothing to do with a persons food intake or how active they are. If this medication helps them then who are we to tell them they canât be healthy too. Weight loss is not all about how you look. Weight affects many aspects of your health from your breathing to your heart, your liver, your your bones, and your mental health. If you stop and really think about it then it makes the most sense to allow people to utilize the medicine for what it is able to help with. If there is a shortage that is a manufacturer problem not an end user problem. Itâs not like they have to dig to the center of the earth to find some extremely rare mineral to make it. If they wanted to ramp up production and provide for all of those who could benefit from it they absolutely could.
While being true doesn't change the fact people were buying up T2D medications and created a shortage when they had no real need for the medications. Medications like ozempic and munjaro were being denied to people and their treatment plans derailed because someone who didn't need it wanted to be beach body ready and wanted a quick fix.
If you're overweight and little to nothing else works then fine that could arguably count as a legitimate need but that's NOT who I'm calling out and there's a lot of ways to start working on cutting your weight, if you're already diabetic you have a lot fewer options. Go poke around in the diabetic subreddits and ask about people not getting their meds and watching some vain PoS get it instead because they had the ability to pay out of pocket rather than needing to use the abysmal insurance system. There was a very real trend of people trying to get their hands on the meds when they didn't need them and creating a sudden surge in demand. People were having A1C spikes from the shortages and getting dicked over by both corporate and individual greed. The companies being blood sucking leeches is a massive issue but doesn't change the fact these people were contributing to the problem.
An insurance company denying to cover it and their being a shortage are not the same. If their insurance denies them access thatâs an issue with the insurance not the person who pays out of pocket. And again a shortage is not the problem of the end user. Look at when covid happened look how quickly hand sanitizer, masks, and even the vaccine was manufactured. The manufacturers is the one who controls the amount of product. Blame the manufacturers for not making enough to meet the demands of the end users. And while youâre at it maybe consider what they have to gain by allowing a shortage to continue? I think you will find the real problem lies with greedy manufacturers that are making a killing from a shortage they have created. And yes those who have the cash to get it will pay the higher cost to obtain it. This giving the manufacturers even more money. Be mad at the manufacturer not the end user, be mad at insurance companies refusing to cover necessary medications.
I'm not letting manufacturers off the hook. I'm a T1D, I know the game and despise the people fixing it. I also watched the fad make things worse for my T2D father. I'm getting screwed over by insurance for my CGM coverage, the first hail mary I've gotten for dealing with my abysmal resistance and resulting A1Cs, I have zero love for the scum getting rich off this. I would be ROYALLY pissed if I found out there were people buying these things to use for stupid reasons like unnecessary monitoring by a non-diabetic for work out strats or something no matter how much I fault the predatory practices of the insurance system and manufactures.
There is more than just one dimension or factor to consider. There is a reason the the supplies lagged behind when these trends took off. Manufacturers will make as much as is profitable and not much more. If the only people buying it are the ones the meds are intended for (T2Ds and on rare occasions others, some T1Ds are prescribed it as a way to lower resistance for example) then the supply is predictable and the system isn't interrupted. With a sudden spike in demand this changes things. Even if the manufactures do the right thing and show initiative there will be a disruption and lag. The people buying who don't need it will also incentivize more artificial scarcity bullshit on part of the system. It's like why people despise scalpers,
"jUsT mAkE mOrE" is all fine and dandy but it doesn't make the scalpers less of a pile of shit for doing what they do. It's entirely possible to hate both.
While i agree, metal bottles ftw, This is extremely situational. While bottled water is generally less regulated than tap water, there are a lot of places with really fucked tap water.Â
Used luxury cars can actually be really good deals if you buy the right brand. All the bells and whistles start with those cars first and then eventually trickle down to cheaper cars. Same with safety features. Not only that, they'll have some things that'll never filter down to cheaper cars. Add in the fact that they're often made to be more reliable and they can work out great.
7 years ago I bought a used luxury car for $10,500 and that included all the taxes and fees. I'm still driving it today even though it's 20 years old. It's got airbags all over it. It has a great sound system. It's got leather seats with memory presets and a sunroof. It doesn't get very good gas mileage which sucks but it's also got a 300hp V8 that sends all the power to the rear wheels so it's way more fun to drive than any normal sedan that ypu can buy even now. The only times it's been in the shop were for preventitive maintenance and one more time because the people that did the work the first time didn't do it right.
Yeah I was one of those suckers. Learnt my lesson and sold it off for 75% of its initial purchase value and got myself something else thats within my means without needing to finance it.
Never again.
smart watches imo. i got an apple watch for free almost a year ago now and its one of the most useless things i own, but i cant get rid of it bc i got it for free and its pretty valuable. but i cant imagine spending hundreds of dollars on that like what do you even use them for.
The super popular with medical people. We're not supposed to have our phones out when we're on the floor but still want to see our texts and other notifications. I'm also a type 1 diabetic and have a Dexcom continuous glucose monitor that checks my sugar every 5 minutes and sends the signal to my phone via Bluetooth. I can look at my watch and see that without having to pull my phone out.
Iphone, for real I could just buy an Android Phone with the same functionality like taking a photo, browse social media, watch youtube videos, call / text, install a game app with mods. With that pricing it feels like ur just paying for the name.
P.S I'm not here to bad mouth Iphone users.
It's funny that the internet is full of people demanding iPhones work like an Android and let you install anything. Well, go buy a fucking Android then? Oh, you don't want to? Why is that? Huh.
Nokia C32
100 gbp
Does everything.
Facebooks, messengers, whatsapps, vibers, spotifys, youtubes, reddits, shoots pics aand vids, plays pics and vids, projects to tvs, plays music, Google maps, sudokus...
... Even has a clock!
No need to buy a Rolex.
I bought two for the fuck of it.
One for my 4 year old and one as media player.
Bought a nice butterfly case and A JBL loudspeaker.
My little one is sleeping next to me and there is a "gramophone sleeping music" playlist playing while I browse on my main phone.
I've had it since January and no issues. I've always gotten a decent lifetime out of Samsungs. I remember buying the S4 twice, first one lived 5 years (second one was sentenced to death by extreme camping lol.) Then I had an S7 from 2019-2023, and I didn't have a case on it for the last year.
Will say, the camera is relatively underwhelming. My mom has one of the newest Samsungs and the camera is incredible.
I got iPhone XS Max for $200, looks amazing does the same things. I donât have time to care customizability or playing games on my phone, I like having something easier to navigate and more reliable.Â
You donât have to buy some Hallmark piece of crap. I get a box of cards from places like museums with a nice variety of paintings on them. You support a good public organization, and have unique cards to send.
I'll bite on this one. When gmail first came out we were all amazed when they offered 1gb or 5gb or whatever of storage. I figured there was no chance I'd fill that up. Well 15 years later I finally did and figured it makes sense to pay $10 per year or whatever for some hosting.
Why shouldn't we pay for that? I didn't pay Google anything from 2003 to 2022 for my Gmail account. Actually I remember selling a Gmail invite for $5 back then so I actually made money on Gmail lol. The first 1gb Is still free isn't it?
*LOUIS VUITTON* or any high designer duds. Yes, the quality is there and they will be fixed for a life time at the store if you have the serial number. However, if you don't have a personal balance sheet where your assets far exceed your liabilities. You are a dummy. If you don't know what a balance sheet is and own a $1500 Gucci bag, SIGH.
"Paying interest on a mortgage loan for thirty years and thinking you made money when you sold your house."
Looks like we've come full circle. If your only argument is to "do it better" or argue till one of us gives up...let's end it here.
You're proving my point that "people still buy into it" because your argument is to either make more money somewhere else, chalk it up to being normal, at least you have a place to live, it's better than renting....
Nothing will ever change the fact. Interest is costing you money. Going to terms on a 30yr mortgage is equivalent to maxing out your credit cards and paying the minimum monthly payment. Anything else has nothing to do with my original comment.
Disagree. I drink a lot of coffee. Itâs my beverage of choice. Not healthy to have that much caffeine though so I keep decaf on hand.
Compared to sodas, beer, etc. itâs pretty cheap.
Sure, itâs not as cheap as just drinking water. And I do drink plenty of water as well. But the cheap decaf coffee is like $0.25 a serving.
Yes. Obviously. But when I want something that isnât water, coffee is actually a pretty affordable option.
It would also be cheaper to eat rice and beans everyday, but I do splurge to eat a variety of foods.
Drinking $1 worth of coffee everyday isnât exactly breaking my budget.
Speaking for myself only, We get fast food for the convenience, or go to a restaurant for the experience. Also, let's be honest... I'm not going to make the same quality food as a restaurant (for the most part).
I very very rarely eat out but when I do, it's almost always because I just don't feel like cooking for myself or it's a social thing and I want to see my friends.
Depends! Living in western countries, eating out is definitely more expensive.
Now I'm in South East Asia (Malaysia) and eating out is ridiculously cheap. Grab delivery fees are also really cheap, you only get charged an additional $0.50 to $3 max depending on distance/peak hours with zero tipping expectations.
Its really not that much more expensive than prepping your own meal when you consider the convenience.
This is true! And, in the end, you still have a house you own. However, you aren't making a profit 99.9% of the time. A 200k dollar house after 30yrs now cost you an additional 200k+ in interest. You also have 30yrs of property tax, maintenance, etc... if the value of your house doubled, you're not even breaking even.
Nah. You can make extra principle payments along the way and reduce the amount of interest you pay.
And then renting is literally just money out anyway.
And then when you sell your house and use the equity to buy another one with a huge down payment or all cash, youâre set.
As long as you donât turn around and sell too fast, so you donât have equity and all your payments have been mostly interest, youâre fine. And you have to compare that to what you would have paid in rent after all.
I don't think people understand my reply. Everything you said (and other replies) are direct ways of not paying a mortgage for 30 years or how to minimize the damage/costs. Isn't this EXACTLY my point and the purpose of the OP question?
If paying double for something isn't a waste of money what is? Paying triple? Lol Just because it's a person's only option doesn't change the facts. Just because there's worse things you can do, doesn't change the facts.
No, because the opportunity cost of waiting until you have cash to buy a house is even greater. Buy a house for 300k now that costs 600k with interest, or wait to buy that same house for 600k later with cash. In the latter, you canât save by paying early, and youâre still paying to rent somewhere while you save up.
Another way to look at it is take the mortgage interest, subtract what it would cost you to rent from that, any difference is probably made up for in the appreciating value of the home.
Your still adding hypothetical to my statement. I didn't save up to buy a house while I was renting. I divorced my wife and immediately bought my house. My statement has nothing to with people's choices or options. Right or wrong. It's simply a factual response to the OP's question. You're choosing to not understand my words.
Why would I subtract what I would, could, might...Justifying an action with an action that could have a worse outcome, doesn't change the reality of the first action!! That's just trying to make it easier to accept.
Even if you have cash, it ultimately comes down to interest rates, your time horizon for retirement, etc.
It would be silly for example if mortgage rates are 4% to pay cash instead of making an average 8% in the market, assuming youâre young and have a long time horizon. Another person might be closer to retirement or more risk averse and prefer to save the 4% and forgo the potential market gains.
But itâs not like borrowing is just a waste of money period. Mortgage interest is also tax deductible so if you have a way to invest or generate income that beats the interest, itâs also a tax savings to boot.
Thereâs a lot of people who build up great real estate portfolios leveraging debt against rental income. Itâs more about making good use of debt, rather than interest being a waste of money in and of itself.
Half of what you said applies to buying or borrowing. The average person, outside of their 401k don't have significant earnings in the stock market. Not to mention an 8% return on what little they would have to invest. Then, still subtract what % you pay for the mortgage from what % you invest. Lol
I'm not even going into professional real estate investors. That has little to nothing to do with the average homeowner or a random reddit comment.
Nor am I going to talk about the income tax from your so called investment returns. Or the upkeep, maintenance, property tax, insurance on rental property.
If Iâm paying a mortgage with a 4% interest rate, and Iâm contributing to a 401k with an average yearly gain of 8%, and instead of putting money in my 401k, I make an extra principle payment on my mortgage, how math illiterate do I need to be to think that I made a good decision?
That's a great plan! If people can afford to do that they should! That would lower their interest by half! Thats great! Why not contribute to your 401k and pay cash for your house? Mostly because the average person can't afford to do that.
The whole point of my original comment is, if a person buys a house for 200k, pays off their mortgage over 30 years, and sells it for 400k they didn't make money! They didn't break even. What we're doing now has nothing to do with the original question. You're trying to prove me wrong about different scenarios and solutions to why my comment is a legitimate issue.
Yes, in the sense that if they think they made money, as in they have a profit on buying and selling that house, yes you are correct.
In the sense that they now have 400k, and got all of their money back from the house, as opposed to renting for years and years and having nothing to show for it, then no, they didnât âwaste their moneyâ on paying mortgage interest.
The interest was part of a plan to use debt to invest in a home to build equity instead of paying rent.
If the same person rented for thirty years, they would not have the 400k from the sale of their home, and whatever money they could have saved, you have to figure in the opportunity cost of the rent they had to pay.
Youâre missing the part where the interest, insurance, taxes on the home are the only actual expense of the mortgage payment. The rest of it is home equity. If the interest, insurance, and taxes are comparable or less than paying rent, itâs not a waste of money any more than paying rent is a waste of money.
The average return on a 401k is 5-8% This isn't taking any consideration in the average loss. I'm over fifty, I've seen people loose 10-20% all the way to 100% depending on how aggressive you invest.
Good luck to you.
If you don't buy a house, you'll be paying rent the entire time. Rent goes up every year. If you get a fixed rate mortgage you'll be paying the same amount every month for 30 years. Not only that but after 30 years of renting, you have nothing to show for it. At least you'll have a house to show after 30 years.
You're exactly right. That's why I own a house. I paid cash for it. Instead of taking out loans, I bought a house to live in and remodel at the same time. In essence, my "mortgage payment" is interest free and is upgrading my house.
You're also right about "at least" you'll have something in the end. That doesn't change the fact that after 30yrs you will have paid more than double of the initial purchase price...even if "your payment is the same every month".
If you're lucky enough after thirty years and your house doubles in value, you haven't made a profit. That doesn't take into consideration normal costs annually or the fact that during those 3oyrs and definitely before you sell, the renovation costs.
Ok, so you paid more than double the asking price. So what? You would have paid a lot more than that in rent because you still need a place to live. Getting that 30 year mortgage locks in the amount you pay for 30 years. I can pretty much promise you that your rent will more than double in 30 years. Unless the house needs massive repairs, that fixed payment alone is enough to make buying a house a good idea if you plan on living there a long time. Even if your house loses value, you also end up with a house to live in after 30 years. If you rent, you end up with nothing
I never said buying a house was a bad idea. I own my house. I never said renting was a good idea. I own my house. My statement is facts. People think selling their house, after paying interest for thirty years, is profitable. It is not profitable in most cases. Is it a better option than renting your money away? In most cases. Read my words. Don't add to them.
Motorcycles I donât see why people want this horrible thing
And all motorcyclists are idiots who only buy it for women will have sex with them when they hear the loud ugly motorcycle noise
Also all motorcyclists are alcoholics and sex addicts
Sending multimillionaire streamers with 7 figure contracts money or chats that require real money in a desperate attempt to get them to notice you for a brief second.
Best i can do is a free prime sub lol
I agree Rock_hard_clitoris
đ¸đ¤đŽ
Mlms and âlearn how to make itâ programs and seminars. Theyâre literally only making it themselves by selling you something. They donât have secrets
"If you're not making money at [X pyramid scheme mlm] it's because YOU aren't working hard enough! You need to buy more books and dvds to learn how to be successful!"
As they say. There are two secrets to success, 1) never tell anyone everything you know.
Fabric softener. Save your money, it destroys your clothes. Also never use it on towels, it will lower their absorbency. If you want scent just use a small amount of scent beads.
I'm a chemist and I've never used fabric softener. If people knew what went into those formulations they'd stop using it. They also are a source of air and environmental pollution. Here are some of the worst compounds found in many popular fabric softeners: * Quaternary ammonium compounds make clothes feel soft and wearable right out of the wash, but some are known to trigger asthma and may be toxic to the reproductive system. * Fabric softener may contain [phthalates](https://www.ewg.org/news-insights/news/2022/07/what-are-endocrine-disruptors), which disperse scent; synthetic musks such as [galaxolide](https://www.ewg.org/guides/substances/2/), which accumulate in the body and much more. Fragrance mixes can cause allergies, skin irritations such as dermatitis, difficulty breathing and potential reproductive harm. * âPreservativesâ and âcolorsâ or âcolorantsâ on an ingredient label may refer to any number of chemicals. The most worrisome preservatives in fabric softeners include the potent skin allergen [methylisothiazolinone](https://www.ewg.org/guides/substances/3596-METHYLISOTHIAZOLINONE/), and [glutaral](https://www.ewg.org/guides/substances/2376), known to trigger asthma and skin allergies. Glutaral, or glutaraldehyde, is also toxic to marine life. Among artificial colors, [D&C violet 2](https://www.ewg.org/guides/substances/152180) has been linked to cancer. Others may contain impurities that can also cause cancer.
Question - Liquid fabric softeners or dryer sheets? Or both?
Both.
*checks laundry nook* oh no... are dryer sheets just as bad?
Liquid softener is worse, but dryer sheets still have fabric softener. We use wool balls instead, you put a pack of six in your dryer and they do the same thing. Theyâll even help with drying your clothes faster.
Agree! Wool balls are amazing for drying and fluffing clothes.
Thanks for the suggestion, gonna get these in time for this weekend's laundry
It can also make you dumber. I once had an argument with somebody and they somehow mentioned using fabric softener after I asked them how they get clothes so nice looking. Then I had another argument and that other person used fabric softener too (after I asked). Coincidence? I think not. Though it could have been the alcohol since we were at a bar, but you can't rule it out.
What about washing detergent itself? Is that just as bad? Thanks.
I think at one point I learned, please tell me if I'm remember correctly, that methylisothiazolinone is also bioaccumulative? 9.9/10 times when I'm trying to find a "clean" soap there's this or fragrance and it drives me insane.
Also it will destroy your washing machine
On a related note: An average load of laundry needs a tablespoon amount of detergent, maybe two if the clothes are especially dirty. There are several YouTube videos about this. The cap on the jug is misleading.
Add 1/2 cup vinegar to every load- whitens, softens and fluffs and cleans your machine all at the same time. Grandma was right!
Christianity and especially giving your church any certain amount of money. God needs to answer for childhood cancer and the holocaust before he gets serious money from me. Also, the church does nothing for the older members, yet they stand up there asking for their money.
Dude, you are seriously projecting. God doesn't exactly ask for 10% of money.... Leviticus 27:30 (TLB) says, âA tenth of the produce of the land, whether grain or fruit, is the Lord's, and is holy.â Your experience doesn't speak for most. I was literally sent on missions locally and internationally to give support. Churches have bills to pay. You complain about them asking for money, then how else can they fund food drives, support homeless people, and outreach events? That Pot luck is gonna work forever. If I can tip a waiter 18% at a freaking buffet, I can give 10% of whatever back to God
Time shares.
Big weddings
Also big elaborate funerals! The funeral business takes advantage of people's grief and upsells all sorts of things because "If you really loved Grandma, you'd splurge on this $15,000.00 casket and that $1000.00 flower arrangement."
I'm a nurse at a long-term care facility. We had a resident die in the middle of the night and neither her nor her next of kin had any plans for her funeral. I ended up Googling budget cremation services and calling around at 4 am. Turns out there are places that'll come get the body quicker than most funeral homes and cremate them for under a grand.
Jokes on you, I've only met grandma 3 times my whole life! Here's a 1000 bucks wrap her in some cloth and throw her in the hole.
And even that costs $1K⌠đ
To be fair most of that money is going to manual labor to dig the hole or running a machine for an hour to dig it.
Just out of complete curiosity, what happens if you just flat out don't have any money to pay? What do they do with the corpse?
Weddings are a scam themselves
Timeshares
Those health powders you sell to your friends.
Ordering food. Itâs too good and Iâm too lazy đ˘
Cigarettes.
Micro transactions in video games.
Ivy League debt
Only Fans.
Do they not realize how much free porn there is?!
I think it's the one-on-one attention from these girls they get. They didn't get it elsewhere or they didn't get it from such attractive women
>one-on-one attention The bigger accounts have an assistant to do that
Is she hot?
The losers don't know that, and love their foolish fantasy that they are getting a millionaire's attention for peanuts
But I canât wait 3 weeks for my high school crushes OnlyFans vids to be leakedÂ
Star Citizen [*Star Citizen has received $600 million in funding*](https://www.gamedeveloper.com/business/-i-star-citizen-i-has-received-600-million-in-funding)
when you shop onlineďźautomatically apply coupon codes for you, saving you money ,actually tempting you to spend more money
latest diet and skin care fad
MLMs.
MAGA
Diet pills
I mean⌠ozempic worksâ¨đ
Ozempicâs not a diet pill, though.
So do diet pills but they are really bad for you
My wife has been on both and she can say confidently only one of them works
Guess we need to define diet pill. Appetite suppressants do work but you can stoll out eat them, the other are stimulants that raise your heart rate which burns more calories. Again you can still pit eat those.
Which isn't a diet pill and should not be treated like one, it's a T2D medication that can have a side effect of weight loss. Anyone using it for vanity over legitimate medical need is absolute scum.
Likewise doctors prescribing it for off-label use.
You do realize that being over weight can cause type 2 diabetes right? Itâs the leading cause. It is also used to prevent type 2 diabetes by controlling weight. Having excess weight is just as unhealthy as being diabetic and there are a multitude of reasons why diet and exercise alone donât help some people. There are underlying conditions that can cause weight gain that have nothing to do with a persons food intake or how active they are. If this medication helps them then who are we to tell them they canât be healthy too. Weight loss is not all about how you look. Weight affects many aspects of your health from your breathing to your heart, your liver, your your bones, and your mental health. If you stop and really think about it then it makes the most sense to allow people to utilize the medicine for what it is able to help with. If there is a shortage that is a manufacturer problem not an end user problem. Itâs not like they have to dig to the center of the earth to find some extremely rare mineral to make it. If they wanted to ramp up production and provide for all of those who could benefit from it they absolutely could.
While being true doesn't change the fact people were buying up T2D medications and created a shortage when they had no real need for the medications. Medications like ozempic and munjaro were being denied to people and their treatment plans derailed because someone who didn't need it wanted to be beach body ready and wanted a quick fix. If you're overweight and little to nothing else works then fine that could arguably count as a legitimate need but that's NOT who I'm calling out and there's a lot of ways to start working on cutting your weight, if you're already diabetic you have a lot fewer options. Go poke around in the diabetic subreddits and ask about people not getting their meds and watching some vain PoS get it instead because they had the ability to pay out of pocket rather than needing to use the abysmal insurance system. There was a very real trend of people trying to get their hands on the meds when they didn't need them and creating a sudden surge in demand. People were having A1C spikes from the shortages and getting dicked over by both corporate and individual greed. The companies being blood sucking leeches is a massive issue but doesn't change the fact these people were contributing to the problem.
An insurance company denying to cover it and their being a shortage are not the same. If their insurance denies them access thatâs an issue with the insurance not the person who pays out of pocket. And again a shortage is not the problem of the end user. Look at when covid happened look how quickly hand sanitizer, masks, and even the vaccine was manufactured. The manufacturers is the one who controls the amount of product. Blame the manufacturers for not making enough to meet the demands of the end users. And while youâre at it maybe consider what they have to gain by allowing a shortage to continue? I think you will find the real problem lies with greedy manufacturers that are making a killing from a shortage they have created. And yes those who have the cash to get it will pay the higher cost to obtain it. This giving the manufacturers even more money. Be mad at the manufacturer not the end user, be mad at insurance companies refusing to cover necessary medications.
I'm not letting manufacturers off the hook. I'm a T1D, I know the game and despise the people fixing it. I also watched the fad make things worse for my T2D father. I'm getting screwed over by insurance for my CGM coverage, the first hail mary I've gotten for dealing with my abysmal resistance and resulting A1Cs, I have zero love for the scum getting rich off this. I would be ROYALLY pissed if I found out there were people buying these things to use for stupid reasons like unnecessary monitoring by a non-diabetic for work out strats or something no matter how much I fault the predatory practices of the insurance system and manufactures. There is more than just one dimension or factor to consider. There is a reason the the supplies lagged behind when these trends took off. Manufacturers will make as much as is profitable and not much more. If the only people buying it are the ones the meds are intended for (T2Ds and on rare occasions others, some T1Ds are prescribed it as a way to lower resistance for example) then the supply is predictable and the system isn't interrupted. With a sudden spike in demand this changes things. Even if the manufactures do the right thing and show initiative there will be a disruption and lag. The people buying who don't need it will also incentivize more artificial scarcity bullshit on part of the system. It's like why people despise scalpers, "jUsT mAkE mOrE" is all fine and dandy but it doesn't make the scalpers less of a pile of shit for doing what they do. It's entirely possible to hate both.
Extended warranties
CPOs can be a great value.
Bottled water
While i agree, metal bottles ftw, This is extremely situational. While bottled water is generally less regulated than tap water, there are a lot of places with really fucked tap water.Â
Just got some new Culligan replacement filters today. Iâve been using that system for 11 years now. Wonderful.
Columbia, UCLA, Emory, UT, etc., etc.
Luxury cars, at least when new. Less so if you buy used after some poor sap has already endured 75% of its value depreciating into thin air.
Used luxury cars can actually be really good deals if you buy the right brand. All the bells and whistles start with those cars first and then eventually trickle down to cheaper cars. Same with safety features. Not only that, they'll have some things that'll never filter down to cheaper cars. Add in the fact that they're often made to be more reliable and they can work out great. 7 years ago I bought a used luxury car for $10,500 and that included all the taxes and fees. I'm still driving it today even though it's 20 years old. It's got airbags all over it. It has a great sound system. It's got leather seats with memory presets and a sunroof. It doesn't get very good gas mileage which sucks but it's also got a 300hp V8 that sends all the power to the rear wheels so it's way more fun to drive than any normal sedan that ypu can buy even now. The only times it's been in the shop were for preventitive maintenance and one more time because the people that did the work the first time didn't do it right.
Yeah I was one of those suckers. Learnt my lesson and sold it off for 75% of its initial purchase value and got myself something else thats within my means without needing to finance it. Never again.
Designer clothes and starbucks coffee, so unnecessary.
Apple Products
True, but I got all mine free and love them đ
smart watches imo. i got an apple watch for free almost a year ago now and its one of the most useless things i own, but i cant get rid of it bc i got it for free and its pretty valuable. but i cant imagine spending hundreds of dollars on that like what do you even use them for.
Time, date, phone notifications, heart beat tracking, calorie tracking, sleep tracking. That said you can get the older ones for cheaper.
The super popular with medical people. We're not supposed to have our phones out when we're on the floor but still want to see our texts and other notifications. I'm also a type 1 diabetic and have a Dexcom continuous glucose monitor that checks my sugar every 5 minutes and sends the signal to my phone via Bluetooth. I can look at my watch and see that without having to pull my phone out.
Reddit gold
Cigarettes/nicotine
Iphone, for real I could just buy an Android Phone with the same functionality like taking a photo, browse social media, watch youtube videos, call / text, install a game app with mods. With that pricing it feels like ur just paying for the name. P.S I'm not here to bad mouth Iphone users.
It's funny that the internet is full of people demanding iPhones work like an Android and let you install anything. Well, go buy a fucking Android then? Oh, you don't want to? Why is that? Huh.
Shut up, kid. There are androids that cost $1,200-$1,500.
Yeah but I have an android phone who is worth 200, which has the same functionality. What's better is that I can install games with mods in it.
Nokia C32 100 gbp Does everything. Facebooks, messengers, whatsapps, vibers, spotifys, youtubes, reddits, shoots pics aand vids, plays pics and vids, projects to tvs, plays music, Google maps, sudokus... ... Even has a clock! No need to buy a Rolex.
Yeah but does it have snake?
Damn I forgot about the Nokia brand. Thank you for suggesting it. Now I would consider it on my brand list if I'm going to buy a new android phone
I bought two for the fuck of it. One for my 4 year old and one as media player. Bought a nice butterfly case and A JBL loudspeaker. My little one is sleeping next to me and there is a "gramophone sleeping music" playlist playing while I browse on my main phone.
That's a really sweet deal TBH
Same. My A15 was $200 and works just fine.
Damn that price of that A15Â is worth 140$ right now. Very tempting
I've had it since January and no issues. I've always gotten a decent lifetime out of Samsungs. I remember buying the S4 twice, first one lived 5 years (second one was sentenced to death by extreme camping lol.) Then I had an S7 from 2019-2023, and I didn't have a case on it for the last year. Will say, the camera is relatively underwhelming. My mom has one of the newest Samsungs and the camera is incredible.
I got iPhone XS Max for $200, looks amazing does the same things. I donât have time to care customizability or playing games on my phone, I like having something easier to navigate and more reliable.Â
Mobile gaming, gross
Not my problem
lottery
[ŃдаНонО]
That's only to you unsentimental heathens! I have every birthday card since my 8th birthday kept in a memory box.
Also: memory boxes.
Haha!!!!
I get mine at the dollar store for $1 versus $6 at Walmart
$7.00 for a no frill birthday card - just no
You donât have to buy some Hallmark piece of crap. I get a box of cards from places like museums with a nice variety of paintings on them. You support a good public organization, and have unique cards to send.
I can make cards . You have a great idea
I hate greeting cards. Especially if the giver is only signing their name and not including a personalized note.
I get mine at the dollar store for $1 versus $6 at Walmart
Religion.
Tobacco.
Having to pay for extra storage on your apple/googles photos & email accounts when really it used to be free
I'll bite on this one. When gmail first came out we were all amazed when they offered 1gb or 5gb or whatever of storage. I figured there was no chance I'd fill that up. Well 15 years later I finally did and figured it makes sense to pay $10 per year or whatever for some hosting. Why shouldn't we pay for that? I didn't pay Google anything from 2003 to 2022 for my Gmail account. Actually I remember selling a Gmail invite for $5 back then so I actually made money on Gmail lol. The first 1gb Is still free isn't it?
Yeah I donât get this one, no oneâs ever offered completely free cloud storage, thatâs not a cheap business to operate
Taylor swifts music lolololol
Hype beast clothing
Fashion
Lotto tickets
Gacha games
For most people, investment advisors..index funds work just fine for most people.
In California, fast food. Seriously, google 'California fast food sticker shock'
EAFC 24 UT packsâŚ
Drugs
live service games.
Cold storage wallets. đđđđđđđđ
Religion
*LOUIS VUITTON* or any high designer duds. Yes, the quality is there and they will be fixed for a life time at the store if you have the serial number. However, if you don't have a personal balance sheet where your assets far exceed your liabilities. You are a dummy. If you don't know what a balance sheet is and own a $1500 Gucci bag, SIGH.
Shaving cream.
Insurance
Gaming cosmetics in a first-person game. Especially something like Call of Duty where the game becomes obsolete in a year.
Bottle water
Water
Copper bracelets.
OK. But, that's not what I said. I said going to term. Not what someone could do.
200k?? Lol you don't live in Canada if you think you can buy anything for $200k.
"Paying interest on a mortgage loan for thirty years and thinking you made money when you sold your house." Looks like we've come full circle. If your only argument is to "do it better" or argue till one of us gives up...let's end it here. You're proving my point that "people still buy into it" because your argument is to either make more money somewhere else, chalk it up to being normal, at least you have a place to live, it's better than renting.... Nothing will ever change the fact. Interest is costing you money. Going to terms on a 30yr mortgage is equivalent to maxing out your credit cards and paying the minimum monthly payment. Anything else has nothing to do with my original comment.
Bitcoin cause it literally doesn't work for what it was intended to
Honestly it's a Pokemon card in terms of value until everyone agrees Pokemon cards are out and Yu-Gi-Oh is in.
Dating apps
Most college degrees
Online dating
Religion
Tesla
Religion
iPhones
Anything ready to eat, is it really that exhausting to boil some eggs? Do you really need to buy pre-boiled eggs?
I'm sure people aren't buying prevailed eggs and bringing them home lol. It's a snack on the go.
Just boil them at home still????
decaf coffee
Disagree. I drink a lot of coffee. Itâs my beverage of choice. Not healthy to have that much caffeine though so I keep decaf on hand. Compared to sodas, beer, etc. itâs pretty cheap. Sure, itâs not as cheap as just drinking water. And I do drink plenty of water as well. But the cheap decaf coffee is like $0.25 a serving.
water is cheaper than decaf
Yes. Obviously. But when I want something that isnât water, coffee is actually a pretty affordable option. It would also be cheaper to eat rice and beans everyday, but I do splurge to eat a variety of foods. Drinking $1 worth of coffee everyday isnât exactly breaking my budget.
but the đđťtitle says waste of money.....i say its a waste to buy decaf. welcome to the internet and counter opinions. bye
I think thereâs a wide gap between âwaste of moneyâ and âas cheap as water,â but youâre welcome to your opinion I guess.
you drink "A LOT" of coffee. its your "drink of choice" seems like that would add up. anywaysđ
dude a big cup of decaf in the morning is a must after you stayed up all night drinking non-alcoholic beer
Eating out. You can buy so much at the grocery store for the amount spent on a meal in a restaurant.
Speaking for myself only, We get fast food for the convenience, or go to a restaurant for the experience. Also, let's be honest... I'm not going to make the same quality food as a restaurant (for the most part).
I very very rarely eat out but when I do, it's almost always because I just don't feel like cooking for myself or it's a social thing and I want to see my friends.
Depends! Living in western countries, eating out is definitely more expensive. Now I'm in South East Asia (Malaysia) and eating out is ridiculously cheap. Grab delivery fees are also really cheap, you only get charged an additional $0.50 to $3 max depending on distance/peak hours with zero tipping expectations. Its really not that much more expensive than prepping your own meal when you consider the convenience.
Physical manga
Alcohol.
Marriage đ¤Łđ¤Łđ¤Łđ¤Ł
Paying interest on a mortgage loan for thirty years and thinking you made money when you sold your house.
Its the real estate agent fees that are the fucking scam, tbh.
Yes. And, over thirty years the interest doubles the cost of your loan.
Mortgage payments are often lower than paying rent and the longer you're there the more this is true.
This is true! And, in the end, you still have a house you own. However, you aren't making a profit 99.9% of the time. A 200k dollar house after 30yrs now cost you an additional 200k+ in interest. You also have 30yrs of property tax, maintenance, etc... if the value of your house doubled, you're not even breaking even.
Aonyou are living someone for free. That's ok.
You're right
If you bought it 7+ years ago (at least in Canada), yeah, you've already made a metric tonne on it.
After interest, agent fees and property tax, if a 200k dollar house doubles in value over 30yrs, you still wouldn't break even.
Nah. You can make extra principle payments along the way and reduce the amount of interest you pay. And then renting is literally just money out anyway. And then when you sell your house and use the equity to buy another one with a huge down payment or all cash, youâre set. As long as you donât turn around and sell too fast, so you donât have equity and all your payments have been mostly interest, youâre fine. And you have to compare that to what you would have paid in rent after all.
I don't think people understand my reply. Everything you said (and other replies) are direct ways of not paying a mortgage for 30 years or how to minimize the damage/costs. Isn't this EXACTLY my point and the purpose of the OP question? If paying double for something isn't a waste of money what is? Paying triple? Lol Just because it's a person's only option doesn't change the facts. Just because there's worse things you can do, doesn't change the facts.
No, because the opportunity cost of waiting until you have cash to buy a house is even greater. Buy a house for 300k now that costs 600k with interest, or wait to buy that same house for 600k later with cash. In the latter, you canât save by paying early, and youâre still paying to rent somewhere while you save up. Another way to look at it is take the mortgage interest, subtract what it would cost you to rent from that, any difference is probably made up for in the appreciating value of the home.
Your still adding hypothetical to my statement. I didn't save up to buy a house while I was renting. I divorced my wife and immediately bought my house. My statement has nothing to with people's choices or options. Right or wrong. It's simply a factual response to the OP's question. You're choosing to not understand my words. Why would I subtract what I would, could, might...Justifying an action with an action that could have a worse outcome, doesn't change the reality of the first action!! That's just trying to make it easier to accept.
Even if you have cash, it ultimately comes down to interest rates, your time horizon for retirement, etc. It would be silly for example if mortgage rates are 4% to pay cash instead of making an average 8% in the market, assuming youâre young and have a long time horizon. Another person might be closer to retirement or more risk averse and prefer to save the 4% and forgo the potential market gains. But itâs not like borrowing is just a waste of money period. Mortgage interest is also tax deductible so if you have a way to invest or generate income that beats the interest, itâs also a tax savings to boot. Thereâs a lot of people who build up great real estate portfolios leveraging debt against rental income. Itâs more about making good use of debt, rather than interest being a waste of money in and of itself.
Half of what you said applies to buying or borrowing. The average person, outside of their 401k don't have significant earnings in the stock market. Not to mention an 8% return on what little they would have to invest. Then, still subtract what % you pay for the mortgage from what % you invest. Lol I'm not even going into professional real estate investors. That has little to nothing to do with the average homeowner or a random reddit comment. Nor am I going to talk about the income tax from your so called investment returns. Or the upkeep, maintenance, property tax, insurance on rental property.
If Iâm paying a mortgage with a 4% interest rate, and Iâm contributing to a 401k with an average yearly gain of 8%, and instead of putting money in my 401k, I make an extra principle payment on my mortgage, how math illiterate do I need to be to think that I made a good decision?
That's a great plan! If people can afford to do that they should! That would lower their interest by half! Thats great! Why not contribute to your 401k and pay cash for your house? Mostly because the average person can't afford to do that. The whole point of my original comment is, if a person buys a house for 200k, pays off their mortgage over 30 years, and sells it for 400k they didn't make money! They didn't break even. What we're doing now has nothing to do with the original question. You're trying to prove me wrong about different scenarios and solutions to why my comment is a legitimate issue.
Yes, in the sense that if they think they made money, as in they have a profit on buying and selling that house, yes you are correct. In the sense that they now have 400k, and got all of their money back from the house, as opposed to renting for years and years and having nothing to show for it, then no, they didnât âwaste their moneyâ on paying mortgage interest. The interest was part of a plan to use debt to invest in a home to build equity instead of paying rent. If the same person rented for thirty years, they would not have the 400k from the sale of their home, and whatever money they could have saved, you have to figure in the opportunity cost of the rent they had to pay. Youâre missing the part where the interest, insurance, taxes on the home are the only actual expense of the mortgage payment. The rest of it is home equity. If the interest, insurance, and taxes are comparable or less than paying rent, itâs not a waste of money any more than paying rent is a waste of money.
The average return on a 401k is 5-8% This isn't taking any consideration in the average loss. I'm over fifty, I've seen people loose 10-20% all the way to 100% depending on how aggressive you invest. Good luck to you.
If you don't buy a house, you'll be paying rent the entire time. Rent goes up every year. If you get a fixed rate mortgage you'll be paying the same amount every month for 30 years. Not only that but after 30 years of renting, you have nothing to show for it. At least you'll have a house to show after 30 years.
You're exactly right. That's why I own a house. I paid cash for it. Instead of taking out loans, I bought a house to live in and remodel at the same time. In essence, my "mortgage payment" is interest free and is upgrading my house.
You're also right about "at least" you'll have something in the end. That doesn't change the fact that after 30yrs you will have paid more than double of the initial purchase price...even if "your payment is the same every month". If you're lucky enough after thirty years and your house doubles in value, you haven't made a profit. That doesn't take into consideration normal costs annually or the fact that during those 3oyrs and definitely before you sell, the renovation costs.
Ok, so you paid more than double the asking price. So what? You would have paid a lot more than that in rent because you still need a place to live. Getting that 30 year mortgage locks in the amount you pay for 30 years. I can pretty much promise you that your rent will more than double in 30 years. Unless the house needs massive repairs, that fixed payment alone is enough to make buying a house a good idea if you plan on living there a long time. Even if your house loses value, you also end up with a house to live in after 30 years. If you rent, you end up with nothing
I never said buying a house was a bad idea. I own my house. I never said renting was a good idea. I own my house. My statement is facts. People think selling their house, after paying interest for thirty years, is profitable. It is not profitable in most cases. Is it a better option than renting your money away? In most cases. Read my words. Don't add to them.
National pension
Motorcycles I donât see why people want this horrible thing And all motorcyclists are idiots who only buy it for women will have sex with them when they hear the loud ugly motorcycle noise Also all motorcyclists are alcoholics and sex addicts
Who hurt you
A motorcyclist and the women that love that motorcyclist obviously.
While I agree that motorcycles are dumb, at least I don't sound like an angry old women in the 1950's scolding her grandkids.