Author Topic: Debt Culture  (Read 636 times)

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Offline Queefer Sutherland

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Re: Debt Culture
« Reply #30 on: January 19, 2020, 08:41:48 pm »
I see you're trying to worm your way out of your previous comments but it ain't working. As the old adage goes "when you find yourself in a hole, stop digging"

I'm not worming anything. Women who get knocked up outside a committed life-long relationship are stupid.  I've given evidence why.

That's not an opinion, it's a fact.  Give them IQ tests and compare results to women who only have babies in wedlock.
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Offline Omni

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Re: Debt Culture
« Reply #31 on: January 19, 2020, 08:52:18 pm »
I'm not worming anything. Women who get knocked up outside a committed life-long relationship are stupid.  I've given evidence why.

That's not an opinion, it's a fact.  Give them IQ tests and compare results to women who only have babies in wedlock.

Still digging I see.

Online Michael Hardner

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Re: Debt Culture
« Reply #32 on: January 19, 2020, 09:10:26 pm »
Thread drift...

I already spent 15 minutes digging out a snow drift today so I ain't cleanin' this up  ???

Offline Omni

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Re: Debt Culture
« Reply #33 on: January 19, 2020, 09:27:50 pm »
Thread drift...

I already spent 15 minutes digging out a snow drift today so I ain't cleanin' this up  ???

Speaking of drift, I must have a longer drive or am a slower digger because I spent at least a half hour a couple days ago at it. Two days later it's all gone away by itself. To keep with the thread title, I may have to go become indebted to Canadian Tire for a new shovel.

Offline BC_cheque

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Re: Debt Culture
« Reply #34 on: January 19, 2020, 10:18:30 pm »
I'm not worming anything. Women who get knocked up outside a committed life-long relationship are stupid.  I've given evidence why.

That's not an opinion, it's a fact.  Give them IQ tests and compare results to women who only have babies in wedlock.

No you didn't.  You provided a few links about single parents and debt, now you're trying to say 'as a fact' that single parents are stupid.  Fiscal responsibility doesn't necessarily correlate with intelligence.

FYI, I am a single parent because my *ex* is terrible with money (very high IQ though) and I couldn't stand his debt-ridden life.

I don't even make a lot of money since I work part-time but my kids have all the newest gadgets, vacations twice a year, and my single-mother life puts aside over $1500/month into various savings/educations funds. 

Debt is not a single-mother issue, it affects both genders and of all walks of life.  I've seen people making 300K/year living paycheque to paycheque and I've seen people who save money making 50k/year.

Stigmatizing single mothers as being stupid.... is very f-ing stupid.
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Offline BC_cheque

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Re: Debt Culture
« Reply #35 on: January 19, 2020, 10:27:50 pm »
Have we done this?

Explain your personal relationship with debt, in the context of how it lives in YOUR culture.

I owe nothing but my mortgage (which is TINY) and 2/3 of my car loan which was low-interest.  As much as some people think it's 'smart' to pay for a car with cash, it's actually pretty stupid considering that money could be invested and earning a higher return than the rate of financing on a typical vehicle.

I have a high reward credit-card which I pay off every month and a 400K line of credit which I never use but it's nice to have.

My credit-score is near perfect and I could borrow for anything I would want but I don't borrow, I budget...
« Last Edit: January 19, 2020, 10:30:16 pm by BC_cheque »
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Offline Queefer Sutherland

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Re: Debt Culture
« Reply #36 on: January 20, 2020, 04:54:30 pm »
No you didn't.  You provided a few links about single parents and debt, now you're trying to say 'as a fact' that single parents are stupid.  Fiscal responsibility doesn't necessarily correlate with intelligence.

FYI, I am a single parent because my *ex* is terrible with money (very high IQ though) and I couldn't stand his debt-ridden life.

I don't even make a lot of money since I work part-time but my kids have all the newest gadgets, vacations twice a year, and my single-mother life puts aside over $1500/month into various savings/educations funds. 

Debt is not a single-mother issue, it affects both genders and of all walks of life.  I've seen people making 300K/year living paycheque to paycheque and I've seen people who save money making 50k/year.

Stigmatizing single mothers as being stupid.... is very f-ing stupid.

Never, ever did I criticize all single mothers as being stupid, in fact I was specifically careful not to. Here's what I said:

"There's no reason for any other debt besides emergencies or if you're a single parent because your spouse died or something.  If you're a single parent because you got knocked up out of wedlock i have no sympathy."

I also said:  "Women who get knocked up outside a committed life-long relationship are stupid" and "My main point is, if you're in debt because of your own bad decisions there should be no sympathy for you."

If they have money and have a baby on purpose aka not getting "knocked-up" then they aren't stupid.  If they have a baby while married but their husband is a jerk and cheats on them or whatnot, that isn't the moms fault, therefore they aren't stupid...unless they were clearly exhibiting this behaviour before marriage/baby.

What I'm saying is that people who make dumb decisions are stupid.  I shouldn't have to say that a man who "accidentally" knocks up a woman outside a long-term committed relationship and has to pay child support for the rest of his life is also a dumba$$.  I have a male engineer friend with what I imagine is a high IQ who knocked up his gf, what an idiot.  And yes I still strongly believe that there's a correlation between IQ and getting knocked up (or knocking someone up), even if there are exceptions well above the average just like in most statistical correlations.  I'd love to see a study on that.  Go into the poorest areas in any city and you will find a much higher % of single moms/parents with low education and incomes.  Go into any rich area and you will find a much higher % of 2-parent families who had kids after marriage.  That doesn't mean all single moms/dads are stupid nor does it mean all married couples are smart.

I can't help people being offended by reality, I'm just reporting the news.  I can't help the biological fact that women bear a far larger cost, including education/career/finances, of unintended pregnancy out of wedlock, just reporting the news.  Sometimes facts have gender discrepancies, pretending they don't exist makes things worse.  My point is that the explosion in the # of people getting knocked up outside wedlock over the last several decades has been a contributor to the debt problem.  Don't blame the messenger.
"Nipples is one of the great minds of our time!" - Bubbermiley

Offline Queefer Sutherland

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Re: Debt Culture
« Reply #37 on: January 20, 2020, 04:55:42 pm »
Thread drift...

I already spent 15 minutes digging out a snow drift today so I ain't cleanin' this up  ???

Thanks Charles.
"Nipples is one of the great minds of our time!" - Bubbermiley

Offline Omni

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Re: Debt Culture
« Reply #38 on: January 20, 2020, 05:13:59 pm »
Never, ever did I criticize all single mothers as being stupid, in fact I was specifically careful not to. Here's what I said:

"There's no reason for any other debt besides emergencies or if you're a single parent because your spouse died or something.  If you're a single parent because you got knocked up out of wedlock i have no sympathy."

I also said:  "Women who get knocked up outside a committed life-long relationship are stupid" and "My main point is, if you're in debt because of your own bad decisions there should be no sympathy for you."

If they have money and have a baby on purpose aka not getting "knocked-up" then they aren't stupid.  If they have a baby while married but their husband is a jerk and cheats on them or whatnot, that isn't the moms fault, therefore they aren't stupid...unless they were clearly exhibiting this behaviour before marriage/baby.

What I'm saying is that people who make dumb decisions are stupid.  I shouldn't have to say that a man who "accidentally" knocks up a woman outside a long-term committed relationship and has to pay child support for the rest of his life is also a dumba$$.  I have a male engineer friend with what I imagine is a high IQ who knocked up his gf, what an idiot.  And yes I still strongly believe that there's a correlation between IQ and getting knocked up (or knocking someone up), even if there are exceptions well above the average just like in most statistical correlations.  I'd love to see a study on that.  Go into the poorest areas in any city and you will find a much higher % of single moms/parents with low education and incomes.  Go into any rich area and you will find a much higher % of 2-parent families who had kids after marriage.  That doesn't mean all single moms/dads are stupid nor does it mean all married couples are smart.

I can't help people being offended by reality, I'm just reporting the news.  I can't help the biological fact that women bear a far larger cost, including education/career/finances, of unintended pregnancy out of wedlock, just reporting the news.  Sometimes facts have gender discrepancies, pretending they don't exist makes things worse.  My point is that the explosion in the # of people getting knocked up outside wedlock over the last several decades has been a contributor to the debt problem.  Don't blame the messenger.

Oh well we see you have moved to blaming "people" instead of singling out just the females. Good move.

Offline BC_cheque

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Re: Debt Culture
« Reply #39 on: January 20, 2020, 06:33:05 pm »
My point is that the explosion in the # of people getting knocked up outside wedlock over the last several decades has been a contributor to the debt problem.  Don't blame the messenger.

Well, I thought you were the ones with all the receipts stating 'facts' about stupid people getting knocked up out of wedlock.

Here is the thing, no doubt that it's financially advantageous to raise a family with two partners.  There are still two households to maintain and pay for. 

But you're trying to spin the whole issue a the main contributor to a debt crisis when there is so much more to it than that.  We are living in historically low interest rates and readily available credit.  Debt is huge problem and our current banking system is more of a culprit than the people that they prey upon.

You're masquerading your judgment of people who have kids outside of a nuclear relationship (planned or not) by pretending you're concerned about their debt.

Put your outrage where it belongs.  On the current lending methods because they are ruining all walks of life in all types of relationship statuses.

Online Michael Hardner

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Re: Debt Culture
« Reply #40 on: January 20, 2020, 07:20:32 pm »
I, drunk from power, removed a post from a user I like because it was an insult and nothing more.

I confess.

Offline Queefer Sutherland

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Re: Debt Culture
« Reply #41 on: January 20, 2020, 07:40:56 pm »
But you're trying to spin the whole issue a the main contributor to a debt crisis when there is so much more to it than that.

I never said it was a/the main contributor.  It is a contributor, one of many.  I gave it as an example of people making bad decisions that contribute to the debt problem.  I have no sympathy for anyone who makes bad life decisions, including debt.

We should take responsibility for our actions.  Telling people that aren't victims that they aren't victims gives them agency, gives them power over their lives to make them better or worse based on their choices.  It's the most empowering message you can give someone.  Telling them they are victims means convincing them they're at the mercy of outside forces they themselves can't change so they will complain and feel sorry for themselves and blame others while they themselves don't have to change anything.

Quote
We are living in historically low interest rates and readily available credit.  Debt is huge problem and our current banking system is more of a culprit than the people that they prey upon.
...
Put your outrage where it belongs.  On the current lending methods because they are ruining all walks of life in all types of relationship statuses.

I'm no fan of banks, sure they offer all sorts of bad deals to people.  We're bombarded all day with ads to buy this or that, doesn't mean we should.  People need to know never to trust banks, salespeople, or anyone with a vested interest in taking your money.  The buyer should be blamed when they sign a bad contract or buy a bad deal.  Read the contract.  There's a lot of people out there who make bad decisions, I suppose we're at a point where we need regulations to save people from themselves, which is pathetic.  That's why I suggested having classes in high school to teach people how to make basic good decisions in life and avoid bad ones, because enough parents fail to do it.  The state now has to raise our children, and save adults from their own stupidly, or else our economies collapse?  Sigh.

My friend is often racking up credit card debt and should know better. Are they a victim of the bank & credit card co. or is it their own fault?  Why did you leave your ex if they were just a victim of other parties?  People have agency to make their own choices.  Unless the other party outright lies, where they should be prosecuted, that's a time we could call them victims, but people should also still do their homework.
« Last Edit: January 20, 2020, 07:43:13 pm by Ghost of Graham »
"Nipples is one of the great minds of our time!" - Bubbermiley

Offline Queefer Sutherland

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Re: Debt Culture
« Reply #42 on: January 20, 2020, 07:42:02 pm »
I, drunk from power, removed a post from a user I like because it was an insult and nothing more.

I confess.

I won't complain, wise move.
"Nipples is one of the great minds of our time!" - Bubbermiley
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Offline BC_cheque

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Re: Debt Culture
« Reply #43 on: January 20, 2020, 10:16:13 pm »
I never said it was a/the main contributor.  It is a contributor, one of many.  I gave it as an example of people making bad decisions that contribute to the debt problem.  I have no sympathy for anyone who makes bad life decisions, including debt.

We should take responsibility for our actions.  Telling people that aren't victims that they aren't victims gives them agency, gives them power over their lives to make them better or worse based on their choices.  It's the most empowering message you can give someone.  Telling them they are victims means convincing them they're at the mercy of outside forces they themselves can't change so they will complain and feel sorry for themselves and blame others while they themselves don't have to change anything.

I'm no fan of banks, sure they offer all sorts of bad deals to people.  We're bombarded all day with ads to buy this or that, doesn't mean we should.  People need to know never to trust banks, salespeople, or anyone with a vested interest in taking your money.  The buyer should be blamed when they sign a bad contract or buy a bad deal.  Read the contract.  There's a lot of people out there who make bad decisions, I suppose we're at a point where we need regulations to save people from themselves, which is pathetic.  That's why I suggested having classes in high school to teach people how to make basic good decisions in life and avoid bad ones, because enough parents fail to do it.  The state now has to raise our children, and save adults from their own stupidly, or else our economies collapse?  Sigh.

My friend is often racking up credit card debt and should know better. Are they a victim of the bank & credit card co. or is it their own fault?  Why did you leave your ex if they were just a victim of other parties?  People have agency to make their own choices.  Unless the other party outright lies, where they should be prosecuted, that's a time we could call them victims, but people should also still do their homework.

I actually do believe fiscal responsibility is more nature than nurture.  Even when I was 12 and started getting an allowance, I never wanted to spend it in case I wanted something down the line whereas my brother would spend his right away and be broke for the rest of the week. 

As an accountant I've seen the same thing with fiscally responsible companies vs. free spending management.  Educated MBA's you would think know a thing or two about fiscal responsibility don't seem to grasp the concept of staying within limits and bankrupt companies that could be thriving with better cash management.  I remember the board meeting where I was told I'm a pessimist and I turned out to be the realist they should've listened to... oh well.

As for what happened with my ex:  yes, it was more than just debt, he also lied about his spending and broke the trust.  I still dearly love him and he is one of the nicest people I've ever known and even one year later I'm still heart broken that we couldn't make it work, but I do think he's just horrible with money.  He took credit management courses and tried his best, but even now he has to borrow money from me from time to time even though he could easily make double what I do.

My mom is the same, she just does not get the concept of money and my dad always managed the finances in our household (my brother takes after her, my dad and I are both accountants). 

Granted, I'm one end of the spectrum, my ex is on the other and most people fall somewhere in between but today's lending practices bankrupt even people in the middle.  Yet alone people who have no concept of money even when they try their best and do everything they're taught to do.

They exist and they are only in the trouble they are in because they were offered 'free money'.

Offline Squidward von Squidderson

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Re: Debt Culture
« Reply #44 on: January 21, 2020, 12:39:09 am »
Quote
You're masquerading your judgment of people who have kids outside of a nuclear relationship (planned or not) by pretending you're concerned about their debt.

Not people, just women...   he has no sympathy for stupid women who get knocked up.    Note, there's nothing said about men.   I stand by what I said....   idiotic sexist sentiment.
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