/bant/ - International/Random

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Anonymous ID:MIUJSC69 Wed 13 Sep 2017 19:52:31 No.2151421 View View Reply Original Report

Quoted By: >>2151464 >>2151700 >>2151737 >>2151764 >>2151789 >>2151950 >>2153038

Why is america genuinely retarded?
>we prefer credit cards over debit, since we're all financially illiterate, and now boomers are trying frantically to rebuild their credit because they thought CCs were free money
>the first thing most of us think about when we hear of Indians are native americans
>most of us are so fucking ignorant of any country other than america
>we elected a fucking orange as president

I want out, /bant/. Canadabros, please take me into your loving northern arms

Anonymous

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Anonymous ID:fuHD1yUk Wed 13 Sep 2017 19:55:16 No.2151449 Report

Quoted By: >>2151492

Wow, this is some shitty bait

Anonymous

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Anonymous ID:HU7icBrL Wed 13 Sep 2017 19:55:39 No.2151453 Report

Quoted By:

tl;dr

Anonymous

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Anonymous ID:K7mW/6Z3 Wed 13 Sep 2017 19:56:10 No.2151459 Report

Quoted By:

>wanting to live with leaves
gtfo traitor your kind isn't wanted here anyways. Don't forget to blow it out your ass.

Anonymous

Anonymous ID:VbDA2E6p Wed 13 Sep 2017 19:56:29 No.2151464 Report

Quoted By:

>>2151421
Good luck on riot week

Anonymous

Anonymous ID:MIUJSC69 Wed 13 Sep 2017 19:59:04 No.2151492 Report

Quoted By: >>2151795 >>2151930

>>2151449
I wish it was bait. America is just filled with consumerist whores and corporate dick sucking cucks. This shithole is irreversible

Anonymous

Anonymous ID:RL8WmRHq Wed 13 Sep 2017 20:22:24 No.2151700 Report

Quoted By: >>2151718 >>2151939

>>2151421
Both kinds of cards are cancer, studies have shown that people are willing to spend much more with plastic than with cash.

Anonymous

Anonymous ID:dh8Djc/Q Wed 13 Sep 2017 20:24:25 No.2151715 Report

Quoted By:

Thread theme
https://www.youtube.com/watch?v=cU8HrO7XuiE

Anonymous

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Anonymous ID:04sw74NG Wed 13 Sep 2017 20:24:39 No.2151718 Report

Quoted By: >>2151781 >>2151801 >>2152316

>>2151700
> reflects on steam/gog behavior

Fuck me. It's so much easier to say "it's just a little bit" when you don't see the actual money disappearing

Anonymous

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Anonymous ID:4/PPsV/a Wed 13 Sep 2017 20:26:50 No.2151737 Report

Quoted By:

>>2151421
Blow it out your ass

Anonymous

Anonymous ID:qrXCQMsj Wed 13 Sep 2017 20:30:02 No.2151764 Report

Quoted By: >>2151930 >>2151950

>>2151421
>I want out, /bant/. Canadabros, please take me into your loving northern arms
BLOOD ON THE SNOW!

>The Canadian parliament's enaction of the radical Paulsen Program in 2017 created what some observers described as the largest shift in military capacity seen on the North American continent since the last century. Over the next five years, a gradual strengthening of Canada's borders and its overt military capacity, in the face of economic pressure from its southern neighbor, led to the virtual fortification of the country.

>However, the tide of migrants from the United States displaced by economic collapse continued to grow, and these illegal immigrants - nicknamed "snowbacks" - became a major issue for cities along the border.

>It was this charged political environment that would lead to a bloody skirmish when, in the winter of 2020, officers of the RCMP used lethal force to deter a horde of American economic refugees from crossing the Montana/British Colombia border near the town of Roosville.

BLOOD ON THE SNOW!!!

Anonymous

Anonymous ID:RL8WmRHq Wed 13 Sep 2017 20:32:33 No.2151781 Report

Quoted By:

>>2151718
Yep.

You can make use of the inverse of that relationship too, if you're ever inclined to bargain or argue the price like with a car. Actual cash has an impressive amount of emotional power.

Anonymous

Anonymous ID:qzEqsBcN Wed 13 Sep 2017 20:33:39 No.2151789 Report

Quoted By:

>>2151421
i use my credit card for everything and always pay it off get rek'd

Anonymous

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Anonymous ID:6qKOFBSW Wed 13 Sep 2017 20:35:02 No.2151795 Report

Quoted By:

>>2151492

kill yourself commie

Anonymous

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Anonymous ID:RL8WmRHq Wed 13 Sep 2017 20:36:19 No.2151801 Report

Quoted By: >>2151811

>>2151718

As a sort of aside, if you're having any sort of money/budget/debt problems, look up Dave Ramsey, he does a podcast and also a bunch of great courses on personal finance.

Anonymous

Anonymous ID:04sw74NG Wed 13 Sep 2017 20:38:58 No.2151811 Report

Quoted By: >>2152287 >>2152316 >>2152543

>>2151801
Eh, I suck with money and I'll always suck with money, I've come to accept that. Not that I ever really use it I'm not exactly the kind of person who's eager to go out every few months and buy a fancy car, phone or computer even if I have the money

Anonymous

Anonymous ID:MIUJSC69 Wed 13 Sep 2017 20:50:33 No.2151930 Report

Quoted By: >>2151939 >>2152316

>>2151492
But anon, what about online purchases?

>>2151764
I-I'm sorry canada....

Anonymous

Anonymous ID:MIUJSC69 Wed 13 Sep 2017 20:51:33 No.2151939 Report

Quoted By: >>2152316

>>2151930
Oops, quoted the wrong post.
>>2151700

Anonymous

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Anonymous ID:r4hEkx+5 Wed 13 Sep 2017 20:53:20 No.2151950 Report

Quoted By: >>2152015 >>2152285

>>2151421
>indians
So? Native americans can still be called indians. Nobody gives a shit, except for butthurt PC police.

>>2151764
>https://en.wikipedia.org/wiki/Paul_Boyd_(animator)
Reminder that Canada literally murdered the cartoonist who made the intro for Ed Edd n Eddy.
When will your bloodlust be satisfied, you monsters????

Anonymous

Anonymous ID:qrXCQMsj Wed 13 Sep 2017 20:57:47 No.2152015 Report

Quoted By: >>2152263

>>2151950
>When will your bloodlust be satisfied, you monsters????
never

EVER

Anonymous

Anonymous ID:MIUJSC69 Wed 13 Sep 2017 21:03:57 No.2152263 Report

Quoted By: >>2152329

>>2152015
w-wow canada, what happened to you? wanna sit down and talk about it?

Anonymous

Anonymous ID:MIUJSC69 Wed 13 Sep 2017 21:06:16 No.2152285 Report

Quoted By: >>2152295

>>2151950
I don't give a fuck about what people call them, it's just that lots of americans unironically believe that native americans come from India.

Anonymous

Anonymous ID:eBKdP8rE Wed 13 Sep 2017 21:06:19 No.2152287 Report

Quoted By: >>2153028

>>2151811
>Eh, I suck with money and I'll always suck with money, I've come to accept that.

That right there is WHY you suck with money.

Anonymous

Anonymous ID:eBKdP8rE Wed 13 Sep 2017 21:07:29 No.2152295 Report

Quoted By: >>2152381

>>2152285
[citation needed]

Anonymous

Anonymous ID:RL8WmRHq Wed 13 Sep 2017 21:08:48 No.2152316 Report

Quoted By: >>2152366 >>2153028

>>2151811
Honestly, being a bit frugal is a good place to be starting from. But you can do better, don't be pessimistic about it. Let me suggest a thing or two that might save you some grief in the future.

>Put together an emergency fund
Basically, save up some 3-6 months worth of expenses. Make sure it's in a bank account from which you can quickly and easily withdraw it. This way, you've got a good buffer for when things go wrong, whether that's getting laid off, unexpected health problems or repairs and purchases that you absolutely need but didn't(or couldn't) account for with a sinking fund.

>Start using sinking funds to buy important, but expected things.
Plan ahead and put aside some money each month for the expenses that you can see coming. Your car needs a repair but it's not urgent? With a sinking fund, you'll be able to pay cash and that means no debt (no fees, no interest, no worries). Need a new washing machine? Sinking fund. Need to get the roof redone? Sinking fund. There's an actual hole in the roof? That's what the emergency fund is for.

That's some of the stuff I remember from the course I took, I hope things go well with you!

>>2151939
>>2151930
Don't get me wrong, plastic is convenient as all heck, but that's part of the problem. Like >>2151718 said, when physical money doesn't leave your hand, you don't really feel the loss of the money. Remember, the goal here is to spend less money on frivolous things so later you can spend it on the more important things, be it an awesome house, a great vacation, the gaming rig you've been wanting to put together, whatever's actually important to you.

Anonymous

Anonymous ID:qrXCQMsj Wed 13 Sep 2017 21:09:58 No.2152329 Report

Quoted By: >>2152366

>>2152263
you try living next to a third world country and not getting mad about it, mr. brown

Anonymous

Anonymous ID:MIUJSC69 Wed 13 Sep 2017 21:15:13 No.2152366 Report

Quoted By: >>2152506 >>2152543

>>2152316
I don't know, I never feel this way. Not trying to be contrarian but when I order something online I know I lost money I worked for. I also use one of those budgeting programs so that might have an impact

>>2152329
We do, but we don't kill them for christs sake

Anonymous

Anonymous ID:MIUJSC69 Wed 13 Sep 2017 21:17:03 No.2152381 Report

Quoted By: >>2152515

>>2152295
Have you ever seen a twitter coversation about international politics anon? India gets mentioned and people start spouting memes about native americans

Anonymous

Anonymous ID:qrXCQMsj Wed 13 Sep 2017 21:27:53 No.2152506 Report

Quoted By:

>>2152366
>We do, but we don't kill them for christs sake
[spoiler:lit]youre the third world country[/spoiler:lit]

Anonymous

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Anonymous ID:qrXCQMsj Wed 13 Sep 2017 21:28:40 No.2152515 Report

Quoted By:

>>2152381
>India gets mentioned and people start spouting memes about native americans
this sounds just stupid enough for americans to do

Anonymous

Anonymous ID:RL8WmRHq Wed 13 Sep 2017 21:30:13 No.2152543 Report

Quoted By: >>2153028

>>2151811

Hey, one more thing! This is the advice that you'll thank me for more than anything else down the line if you follow it.

If you're not investing and saving for retirement already? Start. Now.
Why now? Compounding interest, that's why. The amount you're putting in usually isn't the important thing, the time it'll be there is.

>What to look for.
Obviously, you should do your own research and find the best option, but mutual funds are usually a good one. If I remember correctly you want at least a 10% annual Return On Investment. Again, do your own research. This is the part of his course that I remember least and I honesty don't feel terribly comfortable trying to pass it on when I don't feel absolutely sure.

>>2152366
Hey, studies mostly show an average, so you could be the exception. And a budget definitely helps.

But all the same, maybe try an experiment: spend an equal amount of money online and in person (with cash), probably as little as $10 dollars each, and pay attention to how it makes you feel. Most people find that it's easier to push the buttons on their computer than to actually part with the paper in their hands.

Anonymous

Anonymous ID:04sw74NG Wed 13 Sep 2017 22:16:09 No.2153028 Report

Quoted By:

>>2152287
>>2152316
>>2152543

Oh no, I think you guys misunderstood me. It's not that I think this is a problem or I feel bad about it or anything. The fact of the matter is I just have an inherent lack of interest in money that I can't seem to shake. I don't have any money issues I just am completely incapable of giving a shit about it. Thanks for the tips anyways, I might look into it a couple years down the line (once I finish university)

Anonymous

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Anonymous ID:YisjOOgV Wed 13 Sep 2017 22:18:32 No.2153038 Report

Quoted By: >>2153047

>>2151421
credit cards are free money. just take out 2 cards then charge the bill from one card onto the other.

Anonymous

Anonymous ID:P1omNQ7+ Wed 13 Sep 2017 22:20:27 No.2153047 Report

Quoted By:

>>2153038
this is foolproof

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