I vote for this to become official.

What’s the opposite of eating the onion? I read your comment and scoffed, wondering who could actually believe this. The I saw the “Not” in the comm name.

Absolutely, I shouldn’t have used cheap as a synonym for bad, or vice versa, that’s my mistake.

There are a lot of very good wines at low price points, especially from underappreciated regions. A little experimentation will result in finding some great value.

The same guess for the whiskey. There are a lot of distilleries out there with great offerings far below the price of the big names everyone recognizes. Especially when you take fads into account. Many bourbons and Japanese whiskeys that used to be good buys are now ridiculously priced.

Yeah, but…are you saying you never want some shitty nachos?

I can only speak for myself but I’ve eaten at Michelin star restaurants all over the world and enjoy fine dining whenever I have the time and I love it, but sometimes I just want taco bell.

Alcohol, on the other hand; good Scotch and wine has ruined the cheap stuff for me. I can’t drink cheap, or even mediocre, whisky or wine anymore. If it’s not very high quality I’d rather just have something like a gin or vodka cocktail.

If we can verb nouns, we can noun adjectives!

You guys are talking about different things.

Credit utilization of 0% doesn’t mean paying your cards off on time every month so you avoid interest. It means paying your cards off before the statement period even closes so nothing is reported to the credit agencies.

I do this. All my cards have a statement period ending on the 19th or 20th. Around the 17th every month I pre-pay so my statement is $0 on every card.

When I use a card after doing this and the charge goes through before the statement closes, my FICO score goes up (vantage doesn’t seem to do this).

For the last 18 months or so my FICO has been going up 22 points every time there is at least a little balance to report and down 22 points every time my credit utilization is 0.0%.

You can’t get it in the boonies. I live in a city and my insurance, with an earthquake rider, is only a few hundred a month. My coworker lives in sparsely populated area (by the standards of this metro area) and his insurance costs a little over 7x as much, and continues to rise.

And it’s deserved too. These people move out there because they’re the type that want to “own land,” but then none of them maintain it. I’ll go over to his house for a party and be in the backyard and everywhere I look, his property and every property it touches, as soon as you go beyond the area immediately around the house that is actually used, the entire ground is covered by kindling. One dropped cigarette and his entire neighborhood is gone.

Shut the fuck up! Now Vader, he’s a spiritual brother, with the force and all that shit. Then this cracker Skywalker gets his hands on a lightsaber, and the boy decides he’s goinna run the fucking universe - gets a whole Klan of whites together, and they’re gonna bust up Vader’s 'hood - the Death Star. Now what the fuck do you call that?

And what about those assholes that never wanted to pay? Just pay the kid you cheap ass. I see your cars, your lights are on, I know you’re home motherfucker.

I identified so hard with that “I want my two dollars” kid from Better Off Dead.

No they’re not the same. The multinational conglomerate is far better.

Chores for the neighbors and the paper route paid peanuts. Once I was old enough to work for the conglomerate (where I received food safety training) my pay after taxes more than doubled (a little more than minimum wage, which did, and does, exist), I started contributing to my future social security check, I received paid breaks, and there was a maximum amount of hours I was legally allowed to work.

Flipping burgers beats the hell out of lugging Sunday papers around the neighborhood or knocking on doors to mow lawns in the summer heat or shovel driveways in the freezing cold. Back then I counted the days until I was old enough for a “real” job.

Right?

Learning things a little at a time, when the stakes are low/non-existent is the way to go. From early teens to partway through college when you get an off campus apartment you can learn how to apply for a job, how to interview, responsibility, managing your money, responsible credit use, professionalism, bill paying. All this over the course of years, with a support system when you make mistakes (hopefully).

I guess some people think you should just have all that dropped on you like a ton of bricks the day after you get a diploma.

I had a paper route when I was 12.

The work itself wasn’t important but learning responsibility and the value of money was important.

It was the first time I did anything completely on my own without being directed in some way by a parent, teacher, coach, etc. Without that job and after-school/summer jobs I had when I was older there is a good chance I would have made poor financial decisions in early adulthood.

With 18 year-olds getting credit cards shoved in their face the day they show up for orientation, after probably signing up for student loans, it’s probably a good idea for them to have earned money on their own for a while.

All the bullshit with tipping on food delivery apps made me stop using them years ago.

First I hear the apps are stealing tips. Then they’re not stealing tips anymore. Then maybe they’re stealing some of the tips.

To try and avoid all that I tried to use cash. The drivers don’t get their base rate reduced and they get the entire, non-reportable cash tip. Then my food started taking twice as long and arriving cold because the drivers thought I was stiffing them.

My theory is the apps do this (pre-tipping) on purpose to discourage cash and after-tipping so they can lower what they pay the driver and they’ll still accept the order because they see the higher after tip amount. So now the apps might not be technically stealing tips, but they’re using up front tips to allow them to reduce their shitty base rate for everyone.

Now if want delivery it’s pizza, Chinese, or one of the few other places with their own drivers. I’ve had this policy for years now and I don’t see myself ever going back unless it’s an emergency.

Bonus to me: all my takeout/delivery is now 20-30% cheaper. Everyone should really take a look at the inflated prices they’re paying and decide if it’s really worth saving a short drive.

He has a nuanced take on controversial issues and isn’t afraid of voicing his opinions about them to push the conversation forward. I think he is taking a contrarian stance against what he perceives as a lack of nuance in response to his side of the conversation. I can understand being frustrated at tackling a complex issue imperfectly and simply being labeled a transphobe in response.

I don’t think that’s a good excuse in general, but for Chappelle specifically it definitely doesn’t work.

If I remember correctly, when he walked away from his show is was partly due to the wrong people laughing for the wrong reasons. Bigots were laughing at his “nuanced takes” on the black community for their own racist reasons and missing the point.

Even if you think Chappelle isn’t bigoted and he’s trying to make some other point, after all this time it should be very clear to him bigots are missing the point and laughing for the wrong reasons.

He had the strength and conviction to walk away when it was the black community he thought he might be harming but not when it’s trans people.

What else do you want? There are numbers for short-term, long-term, actively looking, stopped looking, workforce participation, and underemployed both part-time who want full-time and full-time in a low paying job because they can’t find anything in their field. They also have trends and more granular breakdowns in each category.

Enlighten me, what else should be reported? People who wait tables but dream of being a movie star or pro athlete?

Don’t put words in my mouth. I never said the data doesn’t match reality. I’m saying the data is reality, or are least the best measure of it we have.

You’re the one insisting that your experiences are the only measure of reality, and since the data doesn’t agree, it must be bullshit, instead of the much more likely explanation that your experiences aren’t typical.

I’m not sure what you’re referring to with the “6 months” thing, but if you’re talking about the inflation rate spiking, the data wasn’t wrong, the interpretation was. The data showed inflation up, every month, but the Fed thought it was “transitory”. Eventually they realized “oh shit” it’s not transitory and took action to bring it down while trying not to cause a recession at the same time. I’m no fan of the Fed in general, but credit where it’s due, it looks like they did a damn good job.

I’m well aware of all the various measures of unemployment, and they’re very good. Both short and long term unemployment are below what used to be considered maximum employment, and have been for a while. Underemployment is historically low. And after controlling for boomers aging out, workforce participation is trending upward. More people are working, more people are working full time, in jobs they’re trained for (as opposed to having to take jobs they’re overqualified for), and their wages are growing faster than inflation.

No, I don’t think there is a vast conspiracy of thousands of federal workers, normal career employees, not political appointees, publishing fake numbers. The raw data is public and so is the origin. No one disagrees on what the numbers are, just what spin to put on it. Often, for political reasons, people will try to put a bad spin on good numbers, or a good spin on shitty numbers, but the numbers themselves are not in question.

I think you’ve been taken in by someone who wants to put a bad spin on good numbers. Numbers so good, if you had told me you thought we’d be here a year ago I would have laughed in your face.

Maybe, just maybe, the people doing well aren’t lying to you, there isn’t a conspiracy of government workers, and things are as all available data suggests.

Maybe your experiences just aren’t typical.

You keep saying that, but that’s not what the data shows. It shows real wage growth is exceeding inflation. It’s also starting to show deflation across several categories of goods.

It sucks your wages haven’t kept up with inflation and maybe eggs at your grocery store aren’t any cheaper, but the data shows that your experience isn’t typical.

The typical experience is surprisingly good and getting better.

Yeah…we know. It’s pretty clear wildginger was using it sarcastically and I was using the same words as them.

But things have changed, that’s the point. While individual experiences vary, all the economic data this year has been pretty stellar.

Reducing inflation this fast without tanking the economy, and not just not tanking it, actually having pretty decent economic numbers is a major achievement.

When the Fed stated raising rates to curtail inflation almost everyone thought there was no way to do it without a recession, maybe a major one, and increasing unemployment 2-3X. The “soft landing” seemed like a naive hope. We’re not all the way there yet but it looks like they actually did it. Inflation is almost down to targets and at the same time, unemployment is still low, GDP growth is good, real wage growth beats inflation, etc.

It’s not all blowjobs and caviar for everyone but we were heading for a major disaster and it’s been avoided.