Let me just be blunt: I don’t owe you shit. You don’t like it, stop responding. Maybe next time don’t try to police someone else and then get annoyed when they tell you to fuck off.
It’s not your job or responsibility and acting like you can is what makes me think you’re a douche and treat you accordingly. You want out of this? Go away.
Maybe don’t assume and give someone a lecture when it’s not your place to do so in the first place. Maybe you can go fuck yourself instead of trying to psychoanalyze someone you don’t even know and thinking that them being offended by it is proof of your superiority.
Also, scroll up and maybe you’ll see us talking about giving meth to children, aka Ritalin for ADHD. Maybe read the whole conversation.
I was one of those children, Einstein. Think about how old I would have to be to be one of the overly medicated ADHD kids when that mostly happened in the 90s and early 2000s.
Get your white knight ass out of here.
Except it’s a strawman. Plenty of people are upset about over medication of children. As one of those children, kindly STFU and don’t speak for us.
It’s a social contract basically: we will be peaceful as long as you allow us to remain peaceful.
Because you’re not actually contributing to the conversation and are just trolling. Or you’re dumb. I’m not sure.
So you offered no explanation. Thanks for the contribution.
Why are you so dense and think correcting you is attacking you?
You want me to go to my mailbox and show you how many manipulative credit card offers I have just today? You’re still not making any points other than “I don’t like this one particular thing”. Cool, you hate it. Understand how most credit is like this and stopped being shocked it exists. Because that was your original point you’ve so conveniently forgotten: how does this make money? With fees like has been explained to you over and over again.
So you have no clue what you’re talking about about
They also typically require a minimum purchase amount, so you have to spend more than you might have planned in order to use them. That $45 purchase suddenly becomes $55 because you needed to add something to go over $50. Those amounts add up over time and result in overspending.
Please explain how a credit card, especially the spam ones that show up in your mailbox unasked for, is any different.
Everyone is ranting on these services like they’re something new. They’re not.
I honestly don’t know what you mean because if any of that happens all finance gets fucked. This is no different than a payday loan and those have been around forever. Are you just learning today that predatory loan practices exist, and gasp thrive?
Again, you pay more in fees than they give you in loan. They can and will absolutely wreck your credit and sell your debt to collection agencies. And you also realize that the starting credit limit on these things is like $200, right? They’re not giving out $5000 credit lines just for signing up. Actual actuaries have done the work to figure out the risks.
Credit cards are unsecured loans too. The average person only gets a secured loan when it’s a car payment or a mortgage. Unsecured loans are incredibly common.
You have no clue what you’re ranting about, you just want to be mad about something.
I mean isn’t this one obvious? Fees. There’s a ~$4 fee for the basic 4 payments every 2 weeks plan. There are also numerous plans that span various amounts of months. THESE plans have APR up to 30%. Add in your 'I missed a payment, here’s a fee" and it’s basically just a credit card with more rules that requires ~1/4th payment upfront. They also treat each purchase as a separate loan, so you don’t get the benefit of one single monthly payment against the whole balance- each loan must be individually paid - adding up to a lot more than a credit card with a similar balance. And then add in selling marketing data of what customers purchase. It’s a simple and solid business structure.
This or “support group”. Community implies those already around you. Something like AA would fit the bill for something that is similar to religion or a cult but positive and affirmative.
It’s a reference to an actual note someone put up and is basically calling them a giant nerd instead of leaving a normal message like “hey, found wallet, call this number”. Although in fairness, the idea is actually pretty interesting because it creates an easy cypher only the intended recipient can crack, thus filtering out cons.
The original note was almost identical, MINUS the Star Trek part.
that’s funny, cus the AI summary for “what is a factoid” told me it’s an incorrectly believed idea. So which is it? Is the AI correct and you’re wrong, or is the AI incorrect and you’re still wrong?
Yeah no. Just had someone IRL try to use the AI summary to prove something that was blatantly false.
Even more fitting: factoid means something believed to be true, but is false. It’s not a “cute little tidbit of info” like you used it as.
So yeah, AI summaries are full of factoids, you are correct.
Shhhhhhh. Only dreams now. I didn’t read a word you said. I told you, I don’t care little man.