awesome, that will go nicely with my 6-month financing for last week’s Papa Joe’s pizza
Considering i don’t plan on retiring, this is fine – i will leave as much debt as possible in my wake when i move onto the great gig in the sky 😇
Except for the fact that you’ll eventually have everything you own taken away AND be put in jail.
Debtors prison called debtor’s prison might be illegal, but tons of de facto debtors prisons that de jure go by other names are becoming the standard way for US local and state governments to punish people for existing while poor.
I don’t have, and won’t have children.
When I get into my older years, I’m just gonna grab a couple thoussnd loans, and be done with life. Fuck it. I’m gonna spend my elderly years lonely, high off my ass, and giving the middle finger to society.
I figure I’ll go to base ball games, and start drinking lemonaide with tea in it. And also take some drugs.
Look man. Don’t even get me started about the damn 2020 rules that have stuck around.
I don’t understand why they felt the NEED to play baseball during a global health pandemic, but if we’re starting out already establishing the fact that they had to play baseball in that…THEN I say the 2020 rule changes made sense. For 2020.
But now??? Fuck the pitching clock. Fuck the extra innings man on second! I do NOT want my game sped up. I do not want a faster game. I want to sit in the sun, and enjoy a slow breezy summer day, in my happy place watching baseball. Look, I’ll be 85. And now you’re telling me my damn baseball ticket which cost me $30,000 because of inflation by 2067, now means I only get 2 hours of baseball??? Hell, thats hardly even enough time to find my seat! You know I don’t walk so fast. I don’t mean because I’ll be 85. I’m 41 now, and I didn’t walk so fast 20 years ago.
But now you tell me, after 85 years on this planet. Living through 9/11, a global pandemic, 6 terms of a trump presidency, global warming making winter in the north 115F degrees, and after all that bullshit, you wanna make my baseball shorter??? Oooooooh, and you wonder why us old timers are cranky! Boy let me tell you when I was a young spruce, I’d have pounded 15 shots of whiskey, drank about 24 beers, and then proceeded to mop the floor with you! Well lucky for you, I’ve only had 10 shots of whiskey, and 15 beers, but I also took some other extra ciricular activities, and now I’m not sure if you’re a person, or if I’m talking to a lamp post again!
I’m gonna be a grumpy old man, who yells at the youth for not understanding things they weren’t alive to experience.
It’s gonna be great!
I like the pitching clock. I don’t expect to be able to afford to go to baseball games in my old age. And drugs will be sketchier because of all the other prescription medications I’ll likely be on.
By next week you should be able to roll that over and get a second mortgage secured against the first pizza for a new pizza.
luckily I don’t have to eat every day!
This is why I financed the whole pizza and take out pizza equity loans as I pay it off. It affords a few slices every now and then.
Pizza mortgage lmao
should have gone to Mahjong’s Pizza, you would have got a lower APR
Looking for angel investors for my new business idea: if we offer the lowest pizza down-payments in town, we can edge everyone else out of the market by 2034 and be the market leader!
I wish Reddit wouldn’t disable comments under ad-posts. Such a shitty website and so happy I left it for Lemmy.
Same thing with YouTube. I wish I could vent to the people responsible for putting rubbish in front of me. They deserve to hear my opinion as much as they think they have the right to serve me that ad.
They know exactly what they’re doing and they absolutely don’t give a flying fuck about what you or I think of it.
You’ve discovered the reason why comments are disabled 😅
For web, use Firefox (or a Firefox based browser, such as Zen) with uBlock Origin and sponsorblock extensions.
For Android, use YouTube ReVanced (has ad blocking and sponsorblock built in)
For Android TV/FireTV/Google TV use Smarttube (also has ad blocking and sponsorblock built in)
If you’re on iPhone/iPad/Apple TV you’re still out of luck as far as I’m aware.
I don’t see ads in YouTube while using ddg video filter in search. iOS
No yt account and proton vpn with secure core on always and additional settings.
There are other options, but I haven’t kept up with it in awhile so I’m hesitant to suggest them.
I think ads on the internet should only be allowed if they allow comments, with extremely limited moderation capabilities so that they can’t just delete all the comments they don’t like.
Just imagine the quality control we’d get on products. If people commented how your product fell apart after 6 months on all your ads you better bet things would get redesigned.
Of course, this is exactly why we can’t have those.
There’s so many ads now! It’s crazy
I barely go on X anymore, but I did the other day and saw a community note on an Ad and it virtually said it was a scam. I actually lol’d out loud.
One of the few things decent about that site, ignoring all the potential misuses of community notes on other more serious topics.
I wish Reddit wouldn’t
Payday loans making a comeback, eh?
And because they don’t appear on your credit check you can take a dozen out from different companies! What could possibly go wrong?
Payday loans making a comeback, eh?
They never left. The financial vultures just keep renaming them and finding other loopholes to skirt regulations and keep trapping victims in their endless debt spirals.
It tends to move around from scam to scam.
A lot of the payday loan companies seemed to disappear in the UK. The main one was Wonga, which went under after we made it so that companies lending money would have to pay compensation if they lent money to people who would be unlikely to be able to repay it.
Then there was places like BrightHouse which specialised in selling basic household items to poor people with a 99% APR on them. So that £300 washing machine ends up costing over £1000 by the time they own it.
The current one is places like Klarna, which is a buy now pay later system. Popular because it doesn’t charge any interest (most of the money comes in fees from the retailers) and they don’t put it on your credit history, but miss a payment and they’ll be on you like a ton of bricks.
It’s just the same thing over and over, which a slight change to skirt any new regulations. It’s still the same cash flow problems underlying it all.
I used to work for one the biggest in the UK. A lot of the new legislation at the time destroyed us. Deservingly so.
I felt our company wasn’t the worse because we were upfront about what we would charge but we had a lot of sister companies that would have a lot of hidden charges and the execs loved those. Well, guess what, legislation hit us hard because all those others wouldn’t be compliant.
Personally, I hated payday loans and I think they’re horrible, but I worked at Barclays too. An interview I had with a team there was basically working on “cheating” taxes. So like, it’s not much better for society in my opinion either.
What’s that you say? You want to order Chinese food tonight and pay for it in 4 separate payments over 4 months? Sign up here!
I dont use Klarna myself, but from what I’ve heard from people that do use it, it’s a decent company.
For one, their business model isn’t based on trapping people I debt, but is more akin to PayPal, in that what they do is offer a transaction service. Most people I’ve heard of just use it to handle online transactions, without using the “split up payment” version. I’ve been told one reason (besides protecting their payment information from third parties) is that if they return something, they just forward confirmation that it was returned to Klarna, and the payment is cancelled. That way, they can buy stuff and only pay if they actually keep it, rather than having to go after some company to get their money back.
On general grounds though, I’m sceptical of any “buy now, pay later” service.
I avoid Klarna and similar services like the plague. But if it’s really interest-free, it doesn’t belong in the same category as those scummy loans with crazy interest at least.
There’s some different options they offer. One where you pay installments with interest, and another where it’s just like credit cards - if you pay it off before the period (30 days), you don’t pay any interest.
Still a million times better than payday loans, but ideally people shouldn’t put themselves into debt for stuff they don’t need.
When Arizona banned them almost all of them just pivoted to auto title loans. These use the same laws pawn shops exist under, so you’re basically pawning off your car for a couple hundred dollars.
They’ve been here to stay. They just yassified them and are now aiming them at a different demographic. They’re trying—against all logic—to gentrify poverty traps. Welcome to the future.
I’ve just got two kneecaps but those payday loan chumps will let me come back again and again! Sounds like a win for me
Sponsored Lemmy Comment: Hungry for a can of beans? Sign up now and get $100 of debt in minutes!
i think you mean $100 of beans
Sorry no beans, just debt. And an agreement to terms and conditions that you must not poop for 72 hours.
or what
Or else you will face the wrath of Beef Stroganoff and your clothes will be replaced with denim.
oh no, that’s the worst texture!
or the arbitration begins
i’d need more beans
I’m immediately wary of anything involving credit that I didn’t seriously consider or plan for. I can’t imagine going into debt because I’d rather drink coffee at Starbucks than at home.
Do you mean wary or does it make you tired?
Woops, yes.
I’m the same way and I just had to sign up for a credit card specifically for vet bills because my dog needs emergency surgery. The vet told me the specific card isn’t super predatory or whatever, but I didn’t really have any time to think things over. I just want my dog better, and I know that I can’t afford it on my own rn.
Care Credit? If you have good credit when you sign up for it, its legit.
Our Shiba Inu racked up a $20K surgery last spring, and $10K of it had to go on a Care Credit card. They gave us like 8 months 0% interest.
You can use it for any medical bills, but thats now specifically our “Oh fuck a dog emergency!” Card.
Sadly, with the lack of financial education, many people do not correctly assess their salary/expenses vs their real/perceived expense class
Basically a lot of people are shitting way higher than their ass will allow them
These are the kind of people targeted by these ads
And it’s all good in my books. If you are so DESPERATE for approval that you need to take in loans to keep up appearances, then good for you but don’t complain about the consequences.
No one forced you except your own inferiority complexes
You don’t need to feel sorry for them, but why are you pleased about the fact that people are sabotaging their futures?
Because they get to feel better than somebody.
This will be the new normal if we don’t stop Capitalism now.
A world where you own nothing, and are expected to survive based solely on a debt that you are expected to pay back but it’s an open secret that you never will.
My first taste of pure evil capitalism was when my fast food job in college was forcing everyone to switch to getting a “cash card” rather than a check. That card had a $0.25 fee every time you used it.
I don’t know if it still exists or if sane politicians told companies that shit was illegal.
They’re trying to go back to the 1800s. The giant, old, textile factory near where I live had dorms where the workers would live on premises and were paid in script for the stores owned by the factory. Like coal villages. They converted them into luxury loft apartments now.
Still exists. We took out the middle man between the payday loan people and the minimum wage employees. Private sector efficiency in action!
I believe it is semi-legal where a card CAN be offered, but only as an alternative to direct deposit.
Is this the latest hit single by Feudalism? I hate it.
Is that woman crying?
Yeah. Probably, she read the terms and conditions.
Rookie mistake. If you wouldn’t read a company’s legal teams’ diaries, you shouldn’t read their T&C (same thing)
She’s laughing to keep from crying.
No.
So now they’re getting free organic marketing by being a shitty ad? Reacting the brand would be better.
I thought I was being advertised to on Lemmy despite my various ad blockers and was furious for about 10 seconds lmao
Glad I’m not the only one getting mad when I see/hear an add now 😭
Technically, you were.
If this post had been an advertisement, do you think you’d be allowed to comment on it?
Now you too can easily make a ten dollar coffee cost twenty!
Wow a 100% interest rate? What a bargain!
For short term loans? You’d be so lucky to have it just double.
This is monstrous…
Why? She needed a latte, and because she suffers from poor choices, she can now get a $8 latte that will cost $219 to pay back!
Gotta keep the wage slaves in debt so there’s no upward mobility.
So glad I don’t use Reddit
I had to take out a loan to replace my water heater. The only reason I can afford the payment is because I just paid off my car. I need to keep that old car running but I already have car repairs piling up that I can’t afford.
We’ll have you ever considered that you’re to blame? You’re posting on lemmy, probably from an iPhone! you could have spent that .75sec working instead of eating your avocado toast! You probably have a refrigerator too! AND a microwave! How poor can you be if you have a car and a fridge and a microwave!
(This idiotic argument was quoted from multiple, actually real sources, sadly).
I appreciate your comment lol, it’s great.
And this isn’t a rebuttal to you, butI’ve never had an apple product. I’m in Ohio so avocados are usually terrible, a losing gamble. I do have a refrigerator and a microwave, I think everyone who isn’t homeless does. They’re both partially broken though. Also my part of Ohio has no bike lanes or sidewalks or public transportation, so a car is actually the one thing most homeless people here do have. If you don’t have a car you have to be really good friends with someone who does.
I do have a refrigerator and a microwave, I think everyone who isn’t homeless does.
Psh, I don’t have a microwave! That’s why one day, I’ll be a billionare dining my yacht, while you’ll be stuck eating your microwave-food at home.
(I don’t have space for it in my kitchen)
I’m guessing you’re in Europe, I’ve lived in Germany and the Netherlands and visited a lot of the rest. Not having room for a microwave is not surprising. You almost can’t get a hotel room in the US that doesn’t have one. Much of our frozen food only has microwave directions. It’s more common to not have a stove/oven.
Airs pretty idiotic right? That entire “argument” is all sadly pulled from various right wing sources, at times arguing that people aren’t actually “poor” because they have microwaves and refrigerators. They blame millennials for eating avocado toast because we don’t deserve it because we haven’t raised a family yet. Truly insane shit.
I’ve personally assisted giving free microwaves to at least a dozen people, and anyone can buy a used one for like $10. And a handful of free refrigerators, also available used super cheap. The avocado toast thing is dumb, but I do have a broke ass 20 year old living in my house for free who will spend $40 on door dash for one meal for herself even though I gave her a car. I have paid for delivery like three times in the last 20 years, I can’t afford that shit. Sometimes people do waste money when they’re not struggling just to have a roof over their head and food in their belly.
There’s a difference between “broke” and poor. Yeah, some young people are not financially conscious. But it’s still different to what these right wing assholes are actually talking about. They’re trying to conflate brokeness and poverty, they’re trying to paint young irresponsibility with the brush of “poverty,” when in reality what happened is there was a massive wealth transfer up-class, and there are fewer opportunities and less wealth for younger generations because since the 80s there has been a reversal of wealth distribution. Before the era of deregulation, we had the longest sustained period of economic growth in US history—but we, starting with Reagan, deregulated everything that led to it. Leading to the money that was being distributed and bolstering the middle class funnel backwards, up to the top, and we got billionaires and multibillionaires instead. That isnt solved by not buying avocado toast or not getting delivery. It’s solved by dismantling the structure that is so irreparably broken that we can’t fix it without top-down violence threatening those of us that want to.
Oh I wasn’t arguing that the system isn’t broken. I make less today than I did 25 years ago and everything costs at least double. I don’t just blame Reagan though. We’ve had plenty of other Republicans and Democrats who could have made changes. Obama might have had the best opportunity for a year or so. But both parties have sold out to the owner class.
phew crisis averted
