Which MLM?

I was married, in my 40’s and listened to my now ex hubby #2 because his family had several. The payment was $600 a month… a second mortgage for a one week vacation? The timeshare, nor our marriage, lasted long after that.

Maybe I'm lucky, but I just stopped paying the maintenance fees. It never showed up on my credit, the phone calls stopped years ago, and all I get is the occasional scam offer in the mail to help me sell it.

Ooo thats a rough one.

I knew about bitcoin so early that at the time there was still a "bitcoin faucet" website giving them away for free, but between procrastination and skepticism I never bothered getting any.

Even though I knew about Bitcoin in 2009, I don't regret not buying into it at the start. Either I would have sold off at a dollar, because it "couldn't possibly go any higher than that" and then regret not holding onto it for the rest of my life, or I would be extremely rich and be a much worse person because of it.

I still have almost two coins in a corrupted wallet file I've never been able to fix from when I mined them on my crappy little laptop back then :-(

Too many people don't factor in the cost of transportation, and it's such a big one, especially now. In the midwest especially I know I did. I got a new job that was an hour away by car, which is about 40 miles including navigating from my city, the interstate, and the destination city. I knew my old car wouldn't make it that much, so I bought a new car to help (and stupid younger me thought I looked cooler with it). At the time, gas was about $3/gallon and I got 30mpg highway, and I'll round down to account for city mileage. So about 2.5 gallons of gas per work day, so $7.50 a day, or $150 a month. That's $1,800 a year gone to gas alone.

Then add in that new car payment ($500/month), and higher insurance (+250/month compared to previous insurance) and that's $10.800 a year just to get to work, not counting anything else.

Then I think that I took the job because I could get 20k more than my current job in the same city thinking "oh that's so much more money". Only looking back do I realize I immediately lost over half of that just to driving there, plus probably ~6,000 to taxes. So my "cool" new job in the other city netted me about $3,200 additional in my pocket per year, which is an additional $250 a month. Was it worth the additional stress of driving 2 hours every day, 40 hours a month (an additional work week every month) just for $250 a month? Probably not.

Oh fuck that

There are "True cost of driving" calculators to help understand this. Some of them are really involved. This one suggested to me that even my small, old hatchback costs something like $0.40 per mile, including depreciation, maintenance, fuel and so on.

One thing that most of us don't have a gut feeling for: Even at $4-6 per gallon, fuel is usually not the biggest cost involved. That's a lousy situation, because it means we don't react to the real costs. "Market forces" can't work if most of us don't feel their pressures because we're looking in the wrong places.

If you don't feel like dealing with a complicated calculator, you can check how big a deduction the IRS allows for a mile of business use driving. This year it's around $0.70.

I made a lot of mistakes divorcing my husband last year so there's plenty of mistakes to go around. I lost my job six months before we separated and that made me feel powerless. Only now am I reclaiming my power, happiness, and inner peace. Sending good vibes your way as you grow in strength and knowledge.

fuck man, sorry to hear!

To be fair, they trading commission did some really shady and imo illegal shit to cut the legs out from under the squeeze.

Awe man. I managed to minimize my winnings. Sold a call. I figured cool get some action. Yes, that was a 400% profit but if I had taken the opposite (buy the call instead), it could own a new car. Anyway. I'm happy you paid off your mortgage.

Overall, I guess this wins

Yeah that's rough. I can kind of say the same. The career I chose doesn't require the degree I have. It absolutely helps but if I could go back, I would have just gotten licensed at 18 and started working in the trade. Degree is mechanical engineering, trade is operations side of stationary engineering.

I'm sad I didn't experience university, it sounds like a great time. Parties, drinking, last minute assignments..

This one got me too/is still getting me.

It will the day I buy.

I was waiting too. Sorry buddy.

Ha, get ready for hyper inflation, your saved dollars will lose their value. All the rich finance bros will get sweetheart loan deals and buy up every scrap. Enter into fascist-feudal world. Where it gets hotter every year. Fuck you is the general plan I guess.

I think this is mostly because movies are not really a shared experience any longer. The closest I've had recently to a cinema experience that you wouldn't be able to replicate at home was the end of Infinity War. Sure if you had a heap of friends over it might be close but the underlying feeling of dread, sadness, anger and confusion could be felt as you were leaving the cinema made it worth it imo.

I'm hoping Doomsday will be similar in the way it handles things but if it pulls another Force Awakens I'm gonna be annoyed.

I have a bag of popcorn on standby for when I watch a movie. In the Quest 3 i can play the movie in a cinema environment. Full giant screen experience, excellent sound with headphones, can pause it for a pee break, and it costs me nothing. Would definitely recommend. And there's no one else in the cinema either. Perfect experience

Brutal

Can't root it?

Why havent you named the make and model so us readers dont make your mistake!

No such thing as E-waste! any phone, laptop, desktop or tablet that powers on can be re-purposed for something cool or salvaged for parts. I once made a usable laptop out of 3 dead ones and it gave me another year to save up for a replacement rather than having to emergency buy something cheap and shitty.

If you use Firefox for Android, you can install the uBlock ad blocker, which can reduce the load on your device substantially.

Not a tablet, but I used to use a Motorola phone from 2014 that only had 2 GB of RAM and ran most if not all things fine (even modern versions of Minecraft). Why does the tablet seem so much worse even with more RAM?

elaborate so i can scare my partner out of this lofty distant future idea

Yeah thats a good one.

If leasing was a good deal for the customer they wouldn’t let you do it.

I have never bought a vehicle for more than $5k, and most were 25+ years old when purchased. Most lasted 10+ years with virtually no significant repairs beyond the post-purchase glow-up.

Downside is that I have been hankering to get into an electric for some time now, but I am running into a few blockers:

• 10yo Chevy Bolts are still $20k+ CAD
• I refuse to fund/promote fascism with a Swasticar
• None exist with ease of repairability, and DRM is growing every year
• None exist without significant privacy concerns
• I will never tolerate a subscription - I will gleefully crack the software at the first opportunity

I did kind of the same thing but just a new Acura. I did love the car, but toward the end of the lease it felt like I was renting an AirBnB, making sure nothing fucked it up right at the end and making sure I kept it under the mileage agreement.