Is this the jews' endgame?

>>137945628
They be millennials but they are fucking idiots if they do so.
Fuck I hate having to be associated with these faggots.

>>137945628
>financing
Guessing it's a bad thing that I have zero idea what that even means.

>>137945628
>music festival tickets
Are they that expensive over there? Last friday I went to see Rhapsody, Wintersun, Arch Enemy and Therion at a metal festival and paid 30 eurobucks

>>137946529
Buying on credit.

>>137945628
Everything but their home. They don't mortgage, they rent, the fucking retards.

>>137947146
With credit cards which have like 20 % interest rate.

>>137946529
it means you want to buy a car for $6000. I sell it to you and accept 24 monthly payments of 276.87.

its a good deal for you because you need a car and can manage the 276.87 a month. Its a good deal for me because I make 10% APR on my money

>>137947473
>10% APR

Not getting a 3.6% car loan. Pleb.

>>137947473
Soo, everyone wins. Sounds like a good deal to me.

>>137947625
Really makes me think

>>137947570
for people with shitty or no credit, 10% is what they're paying

>>137947570
>not greentexting properly
pleb

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>2000 literal American dollars for an exercise bike

This generation doesn't deserve to own homes

>>137947625
>Soo, everyone wins

so where does the additional 10% comes from?

the only one winning is the jews at the FED

>>137948093
>1 year limited warranty

Into the trash.

>>137948273
piss off goldbug

fiat currency is a net good for the world

>>137947570
>3.6%
holy fuck, dude. get some better credit before you take out a big loan
anything over 3.0%, and you're getting robbed

>>137947146
>>137947473
You want to know what's more important then throwing money away at a strip club? Credit.

>>137945628

Thank god I'm not a poorfag so this is the first time in my life I've read the term "finance" used in that way.

>>137948273
>so where does the additional 10% comes from?
From the person paying it in the future. You could say "well, the money in future is no yet tangible, therefore its not real", but really, so are any goods & services that are agreed to be provided at a later time.

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>>137948528
>fiat currency is a net good for the world

>>137945628
since blacks don't read books they may forget about muh slavery eventually

>>137948093
>not getting into the second-hand business
It's like people want to help the kikes

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>didn't finance my car and bought my home without a mortgage
no interest goblins for me

>>137948273
>so where does the additional 10% comes from?

From my pocket. Lets say I have $10K saved. A car I want to buy is exactly $10K after taxes. The dealer says to me I could either

A. pay him my entire $10K at once, or

B. pay him in monthly installments, with interest, until I pay it off.

Option B sounds better because I can continue working and I also won't lose my entire savings at once. With option B I'll also have money left over when I'm done paying off the car.

>>137948682
3.6 isn't that bad.

Reap what you sow!

>>137945628
How the fuck does "financing" not mean that they are able to afford that thing, and instead it's a conveluded debt thing? This is literally the opposite of the word.
Which hooked nosed faggot came up with this bullshit? I swear I'll buy a plane ticket and beat the shit out of him, my autism is going off the charts right now.
Is this why I wasted my time learning this stupid fucking language?

>>137949391
>With option B I'll also have money left over when I'm done paying off the car.

Left over from what? Your 10K savings? Sure, but only because you've been paying more out of pocket recurring. If you pay upfront and just put what you would have been paying monthly into a savings account you'll end up with more money "left over" at the end.

>>137949754
>Hungarian
thinks english is less stupid

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>>137947370
is that a bad thing, racist?

>>137945628
Bourgeoisie in installment payments. They get the bullet, too.

>>137945628
Giving your money to the likes of Bernie Sanders will do this

Ask Bernie how he's settling in his new beach house.

Dumb fuckers..every one of them

>>137949937
70% of english is nonsense exceptions to rules. It's a lot harder to learn on a higher level than you realise.
At least my language looks horrible from a distance and won't surprise you with shit like this.

>>137948955

The niggers still get worked up over slavery movies

>>137950262
fun fact. for every loan that a person take money is created and an interest payment plan is established. in order to create the money needed to pay the interest another person need to take a loan or the government have to take a loan in their name. otherwise there is no money to pay the interest rate.

enter mass immigration to create more loans to pay for hipsters avocado toast.

the american dream

>>137949388
> bought my home without a mortgage

how? aren't homes in UK valued at 200k+ a piece?

>>137948682
Anything over 0% and you are getting robbed.

>>137948682
You find me a mortgage in the US under 3.0% right now

Seriously, I'd be happy to take it

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>>137945628
HAHAHAHAHA...capitalism. Anyone at this point who supports this needs to be ridiculed into submission.

>>137949391
There is, in theory, some merit to this, but only if your risk free rate of return is higher than the APR on the financing plan (because then you're better off investing the money - you still pay more than the lump sum but your investment appreciated enough to cancel that out and you come out ahead). It almost never is - pretty much the only time this works is if you can get a 0% APR financing deal (which can happen in the auto industry)

How else will they be able to blow their entire paycheck on money bombing bernie sanders?

>>137951228
yea but i got one in a low demand area away from cities
everywhere else you can expect to pay 200k for a cuckshed though, yes

>>137951462
unfortunately its racist to oppose globalist capitalism

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>>137945628
giving into the debt jew

>not financing avacado toast
It's like you don't even millennial

Meme battlefront against the bank Jew:
"Debt is slavery"

>>137951672
The best is how they love all the new subscription plans they can pay for. I wonder how long it will take them to realize they've been paying these services for years and own absolutely nothing. It's pure wealth siphoning and it's kinda genius.

>>137946529
They refer to the greek financial model

>>137951577
I'm happy for you, I'm at least 10 years away from buying and it worries me even now, with prices for an average home at 150k. Fugg

>>137945628
Millennials are literally just human punching bags and they deserve everything they get.

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>>137945628
Jewish millennials are fucking sick of it too. Gen X purge when.

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As an 22 year old American Millennial its both sad and somewhat amusing that i'm ahead of the majority of my generation by merit of simply working since I was 16, working to put myself through school/pursuing scholarships, having good credit and zero debt.

Im the person who gets accused of white priviledge even though I come from a single parent household lower middle class household because if you're a conservative white millennial with no debt and more than $20 it must mean your plantation owning parents paid for everything and not that you had half a gram of goddamn common sense and didnt buy things you couldnt afford and paid off necessary debts as soon as possible.

Anybody have that chart stating that like less than 10% of Millennials have more than $10,000 to their name? What a joke.

We're going to crash and it's all because some neutered numale couldn't accept that buying $500 slices of avocado toast on a regular basis wasn't feasible on a McDonald's paycheck

GET ME OFF THIS RIDE

>>137952335
150k of what currency?
Do what I did if you can, make a career where you can work from home. Then you can live in a place with cheap housing.

>>137952460
Why do I feel like the majority of people saying this are actually millennials.

If you're gen X you're too old to be posting here. If you're gen Z then hey fuck you too buddy.

>>137952681
I'm in the same situation as you, but don't you think you're being hard on our fellow millenials

Talk to any of your older relatives and how easy it was for them to find permanent employment and housing - I was talking to my grandparents about housing when they revealed their 300k house was purchased for the (inflation adjusted equivalent) amount of 60k

>>137945628
You can now finance music festival tickets with (((payment plans))). If you are so fucking poor that a $300 ticket is a major purchase, you will always be a debt slave

>>137952858
There's a lot of millennials right on the border of gen x that are looking at the rest and wondering what the fuck happened. Gen Z allegedly is going to completely push back against all of the millenials' shit

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>>137952858

>>137952670
Gen x hates shit like that.

>>137951462
>>137951603
I don't think anyone would say you're racist. You must be thinking of "retarded."

>>137953405
I don't see it. I was born towards the beginning of Gen Z and live in an area ~50% white. The white kids around my age and 2-3 years younger (born ~2000) have no real racial awareness. It seems like even if my generation is more "conservative" than Millennials (probable), we are looking like the beginning stages of mongrelization.

>>137947146
That doesn't make sense since the article says they don't "have a desire to put them on a credit card."

I think financing is more like when you buy from a retailer on payments and up paying $4000 for your $2000 couch. Like rent-to-own from rent-a-center. Rent-a-center will sell to people with no credit at all because of the high profit margins.

>>137953956
it's still buying on credit, it's just not using a credit card company to issue the credit

>>137953405
I know you're probably too young to know but gen y were once like gen z, before the media and college indoctrination. You're also probably too stupid to see the bigger picture. Gen y are coming of age. This millennial horseshit propaganda doesn't reflect gen y at all, just the city metropolitan faggots that will always be there and have always been there. The point is to rally everyone against against this upcoming generation of people who have the potential to change things. It's literally a cult tactic, to bring people down so you can mold them the way you want. It's also just another divide and conquer way to slice the pie. And also, if you believe a much more non-White group of people that yet has to go through common core education and more radical college indoctrination will save us, you are mistaken.

http://captaincapitalism.blogspot.com/2017/03/gen-z-will-not-save-us.html

>>137953570
Pushing passed my mid 30s.......why do I give a fuck. I know what I want, and if I don't, I do research. Marketing has zero effect on me....unless I'm hungry...

>>137951308
You can't; guy is an idiot. I bought a home relatively recently and got 3.25%, and that is insanely low.

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>>137952681
Yep same here.

I got my first job as soon as legally possible, and worked every summer through college. Went to a cheap but good state school. Got a "real" job 3 weeks before my graduation, moved to my own place right after college.

>MFW my peers with liberal arts degree cry about being poor

>>137952670
>Generation X
>saving anything
HAHAHAHAHA have these people just gotten off an alien spaceship?

>>137953345
Speaking as an American Millennial in reference to other American Millennials, im not being hard at all. I worked a lot of different jobs in my early and late teens and didnt start finding more steady jobs until later. I went through a lot of applications and didnt turn down anything I got even if it was unappealing work like picking crops or roofing or throwing freight or working at a shoddy tech support call center. I dont know what the work situation is in the UK so I cant speak for it but any amount of honest work, determination and a bit of tenacity can get you SOMETHING here in the states. I have zero respect or sympathy for the numales who cant sack up to get a job. Also buying garbage you cant afford simply because "you want it" and treating debts like they dont exist is just stupidity anyone can see.

Yeah the housing situation is shot here too. All the more reason to have your affairs in order.

All the millenial self hatred on here
Its like when you look at youtube comments on music videos and its a bunch of kids complaining that this generation makes shit music

>>137955123
I don't see these kids as self hating...they are more pointing and saying - "Look at all this stupid shit we have to swim through"

>>137953405
Gen Xers were super leftist in the 90s when they were young and stupid.

Early-mid 80s millennials were in college when Dubya was President (Daily Show, War on Errorism, American Idiot, etc) and largely found work/got their foot in the door during the overspending boom of the mid-00s. These were the self-important participation trophy millennials who moved to Brooklyn to pursue their dreams of becoming a dog barber (which is a very 90s thing in itself and sprouted from the "do nothingism/weird" scene mid-90s Gen Xers started)

Later millennials were coming of age just as the recession hit. Jobs were nowhere. Obama-mania was in full swing and social media propaganda 1.0 began unfurling (Yay!! Arab Spring!! so beautiful).

By and large, though, we are far more conservative in our 20s than boomers were in their 40s.

>>137947033
shame arch enemy are shit now

festivals over here in bongland would easily cost double that for those sorts of bands

In Brazil you can already finance everything with your credit card™!**

**if you don't pay everything enjoy trying to pay your debts with an 360% anual interest rate.

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>>137955078
>>137954509
Unless you inherit a house from your boomer parents, you aren't buying a house.

>>137955123
>>137955334
see
>>137953484

>>137955817
Or you could live at home for several years after college, and buy a condo/home in cash.

>>137948093
>buy second hand bike for basically nothing
>take front wheel off

instant stationary bike

>>137945628
Though it high price now, buy gold and fucking bitcoin. In 7 years it goes to shit. You'll be glad to have them.

I've gotten quite a few stupid things on finance (credit) before, mostly when I was younger. I've paid most of them off except my motorbike and motorbike protectives but I've been saving like a beast and will eventually pay them off in full.
I'm never touching the stuff again, it's so much easier to save.
We've had warnings in our newspapers about credit, that it's getting out of hand. I hope it's not the new crash wheel but seeing as you can get literally anything on it I won't be surprised.

>>137955962
The government is trying to push everyone into apartments and condos because they realize not everyone can live in a house. Houses simply aren't affordable on what is a median yearly salary of 40k

>>137945628

I finance everything on 0% APR cards, then transfer balances to other 0% APR cards before the grace period ends. Been doing it for years. Learn to Jew the Jew.

Last year I took a 0% APR Balance transfer to my bank account ($3500) and bought five BTC as part of the loot. Sold those coins recently. Paid off the balance transfer.

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>>137951238
Anything over -3% and you're getting kiked.

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>>137956585
>Media salary of 40k
Yes, it is still possible though if you are smart. With a STEM/non-meme business job after college, you will be making 60-80k. Live at home for 4 years saving 40k a year, can you could buy a middle class home, or nice condo. Like you said though, it is being pushed that moving out at 18 and becoming a rent cuck is a """right of passage"""" for adulthood.

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>>137956437
the government in most european countries print money at negative interest rate. they basically pay the banks to give loans to people because otherwise the entire system collapse. to finance this they need more souls to put in debt to the eternal jew.

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>>137956957
>mfw murkin house prices

>>137947033
Depends on which festival. A ticket to all 3 days of EDC Vegas can run you close to $500, and that's just the ticket.

>>137952793
150k Euros. It doesn't matter if a house is in the city or in the countryside, the general span is in that range. I've got no worries career-wise, or even if I'm getting a house. It's being in debt that pisses me off, even if it's only for 10 years.

My goal is to foot the bill for at least 50% down payment by myself and not be a debt slave all my life.

>>137956783
cute LARP

>>137956957
Who wants to live in Florida, though?

Let's break another false narrative.

I was born in 1993. I had to fill out 130 applications before I got a fast food job. I found Obama-mania disgusting and blame it as the major catalyst behind the "not being a lefist sheep = racism" propaganda that's spiraled out of control.

That said, I've never once voted Democrat and I never will. I know how to live on an $8 a week food budget, though I hope I'll never have to again. I detest banks, have a nicely maintained car and truck that, together cost $1300 (about $2500 after putting some work into them) and are paid in full.

We are largely the kids of boomers, which means we are either the by-product of the last large generation of useful idiots, or the ones who were off fighting wars to protect them. Either-or. Which one do you think is leasing fidget spinners?

>>137957398

What's cute about it? I've been doing the shit for years. Get the 0% BT, invest in something you believe will give you a positive return, pay back the BT. It's free money. I have a 774 credit score as of today and 21 credit cards.

Not to mention abusing rewards programs, racking up spending bonuses on new cards, etc.

>>137957438
Lots of people. Tampa is pretty white (>70%) and lots of business. You need a boat though to do it right.

>>137949391
Read a math book faggot. You'd be the best off owning your items free and clear 100% of the time.
How about you just learn to dave and budget. Better yet, learn to live inside your means

>>137956957
I live in at Pete across the bay from there and it costs 300-400/ square foot here. And probably around 2-250 in a decent middle class neighborhood. That must be in the ghetto.

>>137957668
How's the weather? I only ever hear it's crazy humid in Florida.

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>>137956957
>165k for a townhouse
That's still 165k most people don't have. Most people are living paycheck to paycheck with 1000 dollars in the bank. Most people can only afford roach apartments.

>>137957208
It's not even a proper house but a "town house." No privacy and you have to abide by the HOA. You should see the house prices in canada.

http://www.crackshackormansion.com/

>>137957806
>HOA

wazzat?

>>137945628
>Millennials now financing virtually everything they buy

I don't doubt it.

Every millennial I know is in debt or has a bad credit rating. I have friends who financed cars for 50,000$ and they don't even really understand how loans or interest even works. Iv tried to explain to them that the 50,000$ they borrow is more like 80,000-100,000 to repay over a 5 year period. But it all goes over there head and they don't care.

They just want things now and banks or finance companies are lining up to give them cash.

>>137957786
I live in Orlando, so idk. The community though is >80% white, so doubtful
>>137957791
Yeah the weather can be shit. The humidity means 90 degrees feel like 105 It rains everyday during the summer, but winters are very mild. There is no state income tax, very gun friendly, and stuff to do in the cities. The main negatives are the summers are brutal and lots of hispanics.

>>137957895
Basically a neighborhood Gestapo. You sign a contract saying you will abide by their rules and if you don't they kick you out of the house. Stuff like, if you have oil stains in your drive way, too many cars in your driveway, your lawn isnt cut frequently enough. Some even go so far as to tell you what color your have to paint your house. If you don't follow their rules, they fine you. If you don't pay the fine, you lose your house.

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>>137957460
>leasing fidget spinners?
lmao

Hit me.. I dont iwn a single fucking credit card and dont carry a dollar of debt. I save money and buy what I can afford..... Stupid normie fuckers

>Go on date
>check credit score
>apply for job
>check credit score
>mandatory car insurance
>check credit score

Yeah, it makes sense, don't it?

>>137957806
I know, I said if you are not a sheep you could live at home for 4 years and buy a nice condo at 26, and a home at 30 when you probably be married and a kid on the way.
>>137958271
People love to shit on HOA, but they keep the neighborhood nice.

>>137957895
>HOA
Home owners association. You have to abide by their rules or get kicked out of the community. Look it up, there are a lot of horror stories like no smoking in your house, no washing your car in the driveway, no laundry lines, specific color shades, no loud noises after 6pm, and other ridiculous bullshit you can think of. You know those nosey neighbors that complain to the city about you for everything. Now imagine an entire community like that.

>>137949391

Option C, put $6,000 (or more) cash down, still have $4,000 in your savings, pay off your loan even faster without getting raped by (((interest))) over 4 years, also get a better rate.

Option D, don't finance a car that is the entire value of your savings.

This is kinda like layaway which used to be big in our parents time.

>>137945628
(((concert tickets))) music is for fags

>>137957895
Home Owners Association. Basically whole neighborhoods are registered and you have to abide by their rules to live in that neighborhood or suffer penalties/pay fines. They dont allow you to have fences above a certain height, yards must be maintained, trash cans cant be visible unless its pickup day. An attempt to make the neighborhood appear cosmetically pleasing and maintain/bring up values.

>>137958271
>>137958442
>>137958473
That sounds...pretty fucking bad. What's the point of owning something if you can't do whatever you want with it?

>>137958365

For certain jobs, yes. Finance type jobs don't want to hire people with money problems, because money has a habit of "disappearing". Also, if you suck with money personally, why would you do good with money in a work environment?

a woman obviously wants to know your credit score because she likely has a shitty one and will never be able to get that mcmansion on her own.

car insurance uses it similar to finance jobs: to see your ability to afford shit. if they see you have a history of paying timely (unlike niggers), you'll get a lower rate because you're a less risky customer than Tyrone McNiggerbiggums.

>>137951462
Is that why they all have a brand new iphone, nikes, and fidget spinners?

>>137956957
Florida's housing market is booming right now. Bunch of people renting out those cookie cutter gated community homes out to college students and post-grads. Fat $5,000 every month per building just from keeping the lights on.

>>137945628
No one is actually doing this shit. It isn't like she learned that people were doing it and then decided to write a story on it.
She was paid to write a story on it by the companies that want to create a market to finance that shit.

They do this for everything. Write as if "Group X is doing Y" and cross your fingers and hope you trick the herd into actually doing it.

>>137958271
>>137958442

HOA keeps your property value from being absolutely fucked by some nig buying the house next door to yours in a foreclosure sale and parking 5 cars on his lawn, leaving garbage everywhere, never trimming his landscaping and making your house extremely undesirable.

The only thing that is gay about HOAs is that some of their fees are fucking outrageous.

>>137958442
I love to shit on them, because if I payed 100k for a building I should be able to do whatever the fuck I want with it. I don't want a neighborhood committee of boomer fucks telling me what I can and can't do with my property. Safety reasons, I understand. But "You can't paint your house this color because we don't like it." Is some authoritarian bull shit.

>>137958679

To (((maintain values))) and give (((old people))) something to do during the day. During college I briefly rented in an HOA neighborhood and this old lady would walk up and down the street every morning with a camera and a notepad looking for infractions.

>>137958679
I own a COOP kinda like this but in apartment form but no one listens to the rules. You gotta used license union workers for everything I said fuck that and tore a wall off on my own and did my own electrician work.

>>137947033
You lucky fucker.

>>137945628
I finance almost anything that offers 0% interest. It's free fucking money and I'm going to be working for the next 30 fucking years.

>>137958679
If there is no HOA, the neighborhood will go to shit. A family of 10 will move into a three bedroom house, not take care of the yard, park 5 cars on the street, etc. This lowers the value of the house. Yes, HOA can be assholes, but if you look at neighborhoods without, you will be grateful.

>>137958607

Except layaway doesn't usually accrue interest. Layaway just means "hey put that item away and reserve it for me, I'll pay you $10 a week and when it's paid off you give me the item."

Financing is "I WANT IT NOW AND I'LL PAY YOU 160% OF WHAT IT COSTS IF YOU JUST GIVE IT TO ME NOW"

>>137945628
Yup. This is the endgame until communism is achieved, fortunately the process of material dialectics creates the perfect credit goy before the perfect slave. It's almost like this has all happened before!

>>137958820
Depends. It is not terrible. You can rent (if you have to) a 4 bedroom house in an upper middle class neighborhood in Orlando for 1,800 dollars a month.

>>137947625
Anon...what's 276x24?

>>137958995
>If there is no HOA, the neighborhood will go to shit

Has society really fallen this far?

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>>137958985
this is what free money looks like

>>137959017
I financed shit like TVs before and as long as I paid within the time required, which was 6 months there was no interest in my end. I thought financing was always like this?

>>137948093

>LCD television in front

Guaranteed to be broken in a few years.

>>137957460
>2017
>being this poor.

ishygddt

>>137947570
>not buying on 0% APR deals exclusively

The Jews give me money for free all the time and I don't understand it.

>>137958894
See >>137958995 Once a family of immigrants move their entire extended family into a four bedroom house in order to "move up" and not take care of anything, you will understand.

>>137955673
I only pray you're right because I just got out of college and I'm still surrounded by leftist lunatics every day

>>137959355
Isn't it a tablet holder?

>>137948093
You say that now but compare the prices of old Hi-Fi equipment or computers to how they are now. Its amazing anyone ever had them at the prices they sold for.

>>137959239
In America, absolutely.

>>137958995
Lol. paying someone to go up to your yard with a ruler measuring your grass and citing you if it gets too long

>>137945628
no the middle class is just getting pushed

>>137945628
>Make the personal decision to buy something you can't afford.
>I-It's the J-Jews fault I'm in debt.

People now a'days need to get personal responsibility.

>>137945628

They really are fucking stupid. I'm an oldfag but we all had delayed gratification. They will give these losers debt forgiveness in the future because they will collapse the whole system.

>>137958894
Yeah you say that until Jamal moves in next door and his house gets tagged up and he doesn't do anything about it, parks his cars on his lawn, leaves trash out everywhere, doesn't mow his grass... and then you go to sell your house.

"yes I've spent a lot of time and money maintaining my house and keeping it looking beautiful, oh that noise? Yeah don't mind that, they only play that music on weekends, and some weekdays, and they usually stop at about 3AM it's not so bad! Anyways as I was saying, I apply a new coat of paint every two years, we have brand new double pane windows- oh yeah sometimes the trash smell does blow over here, but the windows keep it out." etc.

I'm pretty libertarian too, and I get it but if you want some property you can do whatever the fuck you want with, go buy some property where you aren't right next door to your neighbor. Cause you fucking with my property values because you want to paint your house hot pink and leave 5 cars in your yard violates the NAP faggot.

>>137959239
>Has society really fallen this far?
I live in NYC. We have beaches here believe it or not. The only beach that is not utter shit is long beach and thats because they impost like a $20+ fee at the door. Every beach that is free is utter shit swarmed by spics blasting salsa music and fighting each other drunk. You need barriers like this now to keep minorities from ruining everything.

>>137959559
Your neighbor not cutting their grass in 2 months, lowering your house's value

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>>137949391
Option C - Buy a less expensive car if you can barely afford the one you want, retard.

>>137959743
>entry fee
>for the beach

My Australian mind cannot comprehend this

>>137959775
I bought a house less than a year ago. No HOA. Grass is currently long as fuck (prob cut it this weekend tho). Gonna net at least 50k.

Location location location.

>>137959428
I live in a 80% + white state, so a neighborhood Gestapo program is more of a concern to me. Especially when they add fees to everything. Like I said, I get the safety part (grass can't be too long, it's a breeding place for vermin. Same with 6 dead cars in the driveway etc.) But Joe next door can't come into my house whenever he wants, why should he be able to tell me how to govern my castle?

>>137947570
taking out a car loan in general shows you don't know what the fuck you're doing

car loans are for the folks who either have extra cash they don't care about or the poor who are desperate to raise their credit score when there are better and less expensive options

>>137959904
Prepare to have your mind blown even more, some beaches require a yearly license on top of that fee.

>>137959993
>location, location, location
(((CNN))) voted my community "top 25 places to live in America." Orland is being invaded by hispanics. I live in an upper-middle, lower- upper community, but if 8 lower class people pool their money, they can live there.

>>137945628
I buy stuff on credit (via credit card), but I always pay everything off in one go.

>>137959904
Yeah, this is how we keep things nice in America. It's how we weed out the riff-raff.
Everyone thinks it's crazy to pay an entry fee to a beach, or pay more than 9$ for a beer that you could get for $3 anywhere else, but it's not always about what you get for the money, it's about what you DON'T get.
You DON'T get: blacks and mexicans trying to fight you and steal your shit or rape the girls you're with, poor people begging you for money, people leaving trash and shit everywhere, people with noisy kids, etc. When people have to pay $20 to get inside somewhere, they usually treat it much nicer than when you let them in for free. It's almost like free immigration is a bad idea.

>>137958995
>>137958679
>>137958473

HOAs only exist for the maintenance of a bubble. Theoretically, we could build homes for 20K. But that would devalue the cost of the other homes in the area. And reduce the ability of homeowners to leverage credit based on their home.

It's a fucking sick system. It's past generations feeding their children to Moloch for money. There's no reason why, in a physical sense, people should be homeless. We have enough empty homes to reduce the homeless population to 0.

The problem is, housing bubbles finance executive whore and coke/crack parties. Meanwhile the long term "safety" of housing prices means that the most bug like people pervert the idea of sane living by inserting the most OCD shit in order to preserve the most valuable thing such despicable bug men will own.

>>137959993
Smart.

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Actually, question for the HOA anons, what happens if you can't mow your lawn because you've been in hospital or something. Will the HOA pay for people to come mow your lawn for you? Isn't that what the fines go towards paying?...actually what happens with the money from fines?

>>137960090
I understand if you live in a small, close nit community that they are more of a bother. But when you live in a "diverse" area, they save your home's value.

>>137958769

Yeah, I get it. Why else would you finance everything? To boost that score.

>>137960337
You must not live in a city with blacks or hispanics

>>137960292
I guess I should just consider myself lucky that I live somewhere where I don't have to pay a premium in order to get things that should be expected. Like no nigs, a sense of pride in land and property, etc.

Although I get the feeling I should probably enjoy this while it lasts.

>>137945628

I had a friend who is paying off massive credit card debt from eating out too much.

had being the key word in that sentence.

>>137960354
Lol, no. You'd better pay the neighborhood kid to mow your lawn.

>>137960700
Did he died?

>>137955962
>>137955817
Im considered a millennial and I just purchased my first house. A duplex. I live in one side, my tenant pays my morgage. Super comfy.

>>137959370
Not anymore. Moved out as a teenager. 2011-2013 was hellish but I learned how to survive on next to nothing and I got past it. Things are looking much better these days.

>>137960700
I can sympathize. Seamless makes it so fucking easy to be so fucking lazy with food.

>>137960090

No HOA people go inside your house, they only regulate the stuff that affects other people's property values, like the stuff that you just mentioned.
Besides just regulations and citing people, HOA also organizes landscaping and repairs and stuff to public spaces in the neighborhood (like streets if you live in the county and not the city, or parks or picnic benches etc.)

But also, HOA is made up of people that live in the neighborhood, it's a group of your neighbors, it's not like it's some random privatized company that they hire to fuck with your shit. Just get to know them and they will be cool with you, or you can get on the board yourself.
Yes, there are definitely dicks, usually bitchy older women with nothing to do, who love to be nosy and fuck with you because they've been given some tiny responsibility and power over their neighborhood, but for the most part HOA's really only care if you are really fucking up and screwing with other people's quality of life. Don't violate my NAP by fucking with my property values and stacking garbage up against my fence.

>>137945628
I just want to live

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>>137960337
>There's no reason why, in a physical sense, people should be homeless. We have enough empty homes to reduce the homeless population to 0.

>we

Who the fuck is "we" you piece of shit commie?

>>137961043
Just live on burek on jogurt faggot.

>>137945628
Oh so that is how people in their early 20's can have all sorts of shit I don't have. They get everything on credit. At least I am not a debt slave and whatever assets I have are actually mine.

>>137960779

No, but that's probably the only way he's going to get out of paying 20% interest on food he ate and shat out 6 months ago.

>>137945628
God damn that kikess who wrote that article is hot af.
>tfw God cursed you with a burning desire to slay Jewish vag
Just kill me already.

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>>137959743
>>137960292
That's great but only rich older whites can afford this. The rest of the working class whites who don't have the money to spend on such luxuries are shit out of luck. A money barrier not only keeps out nigs and spics, but also middle class and lower class whites who are otherwise good people. It's a shitty solution to a shitty problem.

>>137960354
It's your responsibility to mow your lawn, why would anyone pay to have this done for you?
Other anons in here try to act like HOA is camped outside your house waiting for your grass to be 1mm longer than regulation, I've never experienced that. It's all people who live in the neighborhood that serve on a board, and each person is usually in charge of a different thing. In the three HOA neighborhoods I've lived in, I imagine if I was injured and couldn't mow my lawn, someone would have come and done it for free, or I'd pay one of the neighbor kids $10. That's what happens in white communities, they help each other to maintain the standards of their community.

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>>137960849
Do my half dozen bee hives violate the NAP?

>>137960849
Reread my post. I'm aware they can't come into my house. That's why I said "can't come into my house". My biggest problem with them, is the fact that they have no "real" authority. They are literally just my neighbors who come around and take my money. I don't live in the county, the city takes care of everything that you've mentioned.

>>137960815
That's not how it should be, you'll never know the feeling of owning your own home until you can actually afford your own home, not share it with some fucking stranger regardless of monetary gain.

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>>137961189

>>137961315
Other than "whites only" signs, your problem will always occur, and those signs aren't coming back any time soon. Do you really think "rich older whites" are the ONLY people who can afford to pay $20 to go to the beach? I'm not talking about some $1000 a night resort, I'm just talking about restaurants that are nicer than Applebee's.

>>137961377
So what happens with the fines then?

>>137961382
That's pretty specific, but if someone complains, then yes.

>>137961397
You give them authority when you move into the neighborhood, it's a voluntary transaction. You either choose to live in an HOA community or you don't.
Also the HOA votes on 90% of stuff anyway, so the neighborhood votes on things and you have at least a small say in it.

>>137961712
You never paid me for those flowers my bees pollinated for you. I demand compensation!

>>137951308
I'm looking at 3.375 atm. in process of house buying. two houses failed my inspection and they wouldnt take a price reduction. both houses still on the market. idiots.

>>137961382
Not if you sell or trade me honey ;)

>>137961647
I'm pretty sure they go into the HOA treasury. There is a treasurer and they hold meetings every so often, and the meetings are open for anyone who lives in the hood to attend. They release accountings of how much money they have, what it was spent on etc.
I'm sure that some HOA's have been corrupt as fuck, but there's usually enough oversight that that doesn't happen.
One of the neighborhoods I lived in used to throw a block party every 4th of July for the kids, and they used the HOA funds to pay for some of that.
In my experience, HOA is more common when you live in the county, outside of a city. If you live in a city, then the city usually takes care of all the public stuff anyway (roads, sidewalks, streetlights, etc). But that's the difference between ghettos in the city where every other house looks like shit, and nice neighborhoods in the suburbs where the houses have fresh cut lawns, and all look nice and a desirable place to live.

>>137961591
>Do you really think "rich older whites" are the ONLY people who can afford to pay $20 to go to the beach?
Maybe not afford but middle class and working class whites aren't going to spend all that money. Between going to a filthy beach with nigs and spics and spending a lot of money for a nicer beach, they probably wont go at all.

How to avoid debt:

>Avoid college if possible
>If you must (business or government job) go to a lower cost university
>buy lower cost items if you can only afford it
>no credit cards
>debt card only.
>live rural or semi rural
>rent and SAVE to buy your own home.
>Put at least 35% down

>>137959443
There is hope anon. The social incubator that made smug, champagne socialists out of unsuspecting boomers, gen xers, and millennials is growing increasingly powerless with each passing year.

The younger each generation gets, the more likely they are going to run into a wider diversity of opinions.

The era of TV - propaganda spaced between 10 minutes of forced ads for viagra and shit with stupid feminine nu-male cucks getting cucked - is in a beautiful twilight.

It was very possible to dictate the world order from one fortress in the 20th century, but it is looking increasingly unlikely for the 21st.

Evil always has it's ways, but I think the future will be more of one where anime is made real and less of one where we are slaves to the serpants.

>>137961952
This isn't how it works. We never entered into a voluntary agreement, I owe you nothing.

>>137960354

The money goes to old man Jefferson Ford who picks up a crack whore at night and gets a BJ in the car.

Not literally true but the above would be a better use than the absolutely inane shit that's bought. On the otherhand, some HOAs use the fines to donate to local and county political campaigns so they can maintain or create some sort of privilege. Quicker pickup by local post, input into a bill affecting local housing, etc.

>>137960623
I grew up in Los Angeles. What's killing the people, more than criminality, is being stuck in the same shitty place because housing is outrageous in proportion to the average income of a resident. When people feel powerless and stuck, in a way that corresponds with the actual reality, then nothing matters.

In such a horrendous scene, the state comes by to posture like a fucking superman and writes verbal garbage defending giving $214 in cash and $194 in food stamps each month. But all they've done is enable a horrendous wave of black fatherlessness. You don't need a beta provider if the government gives you money, which scales as you have more kids.

As I like to say, it's a fucking disaster. Los Angeles has an aura of stupid, vulgar, terrible, and frightening like that Shadowrun game set in Hong Kong. It takes 30 minutes in a car to leave the center of the event horizon (considering only distance, not traffic). It's the folly of idiots who lacked all sense of aesthetics and its healing powers.. It's like a gravitational power where the only thing, that exists for miles and miles all around, is Los Angeles.

What a terrible shitty city. The only good parts are Santa Monica, Malibu, and Marina Del Ray.
>What about Bel Air
Los Angeles democratizes certain things. You can have the niftiest 2 million dollar Bugatti but you're still stuck in the horrendous traffic.
</end rant>

>>137953358
If you're blowing 300 dollars on a concert ticket you deserve to be jewed.

>>137945628
>>137962333

>>137962333

>>137962333

>>137948093
>LITERAL American dollars

Cretin.

>>137953358
>If you are so fucking poor that a $300 ticket is a major purchase
Lmao 300 dollars for one ticket is almost a week working on minimum wage. No one in their right mind would wage slave for a week straight to give all the money to someone to play a guitar for them for an hour.

>>137962368
>rent and SAVE to buy your own home.
>Put at least 35% down

Not ALL debt is "bad."
Renting is even worse than a mortgage, you're literally giving that money away every month. At least with a mortgage you own an investment and can use that to leverage other credit. Plus renting is usually more expensive than owning, so what's the point? You can pay $2,000 a month to rent a house and when you move you have nothing, or you can pay $2,000 a month to mortgage a house and when you sell the house you take all the equity with you, your capital, etc.

>>137949952
Be a good goy and max out your credit cards!

>>137957086
""""Workers""""

>>137957895
Homeowners associations basically allow white people to discriminate without saying it. As long as you follow the commune rules of being a good boy youre in.
If you are a lazy sack of shit you get kicked.

>>137948093
Why not just buy a real fucking bike?

>>137949388
>bought my home without a mortgage

Congrats retard, you wasted thousands of british pesos in rent when you could have got a simple mortgage at low interest rate.

This >ALL DEBT IS BAD ALWAYS mentality is just as retarded as buying your bedsheets on credit.

>>137962447
this. all music is gay garbage these days anyways. concerts are for degenerates and only degenerates, no exceptions.

What is even the difference between financing like Paypal and just credit cards anyway?

>>137962874
>Renting is even worse than a mortgage, you're literally giving that money away every month.
Some people can't afford a mortgage or house. Their only option aside from homelessness or government housing is renting. Believe that if they could afford it they'd buy a house but that simply isn't possible.

>>137959454

No, it's got a whole system so you can watch(?) classes(??) about how to ride an exercise bike

>>137963280
Over here they're trying to make renting "cool" and something you should do your whole life.

>>137962368
>no credit cards
If you pay it off each month and get one without an annual fee, it's literally no different than a debit card. In fact, you may even get cash back and improve your credit rating.

>>137959443
>>137962402
Also, I can say from my experience at a 4-year university that the kids were all clueless and their parents did everything for them until the university took over the parents job of telling them what to do. All the freshman wanted to do was party away from their parents. Largely vapid and untrustworthy, but they try to make up for being shit with political beliefs.

I ended up dropping out and going for a trade degree at a community college and there was a remarkable difference. While the academic side was as typically leftist as can be, the freshman there had a lot more ambition and there was a noticeably larger diversity of opinion to serve as a counterbalance.

Keep in mind, the 4-year uni freshmen who party on their parents dime wouldn't be caught dead going to a community college because they see themselves as being above it. They will, however, act like they are the champions of the poor for voting leftist and virtue signaling. They will bow down to Tyrone when he goes to one for addiction studies. They're just too good for it themselves.. Wonder why?

>>137961111

We is in reference to a nation's total resources. "We" do have millions of houses held by banks.

If banks just gave away homes, the value of other homes would start to plummet.

As I said, in a physical sense (millions of empty homes) we do have enough to house the homeless.

In the context of our society...there would be panic. All those people who are "attuned with spirituality" and "protect the Earth" will be savage apes crying for blood because their home worth plummeted. They have a contract with Mammon that they must keep. They can keep their self-esteem, and perceived holiness, in return for willfully ignoring the issues carried by younger generations. As a result of their choices.

As I always like to say, most humans are faggots. Almost all the parties involved would rather talk tribal faggotry than think through discrete steps for a systematic solution.

>>137952335

>150k

I was able to buy a 650sq ft flat for 33k in a city of a million (Turin). 2km from city center.
Look harder.

>>137963460
Well that's fucking stupid. Why not just make it a tablet holder and then throw in some crappy app for free?

>>137963280
>Their only option aside from homelessness or government housing is renting.
Live in your car until you have enough for a down payment

>>137945628
please just start WWIII already

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>>137948682
my first vehicle was 4.9% because I was 18 and I bought a brand spankin new truck

later I traded it in for a smaller car and got a loan for 1.7%

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That paypal no interest six month payment plan might seem like a good deal, but it's not. You can't build credit with it as it doesn't go on your credit.

>>137962762
Well of course minimum-wage McDonalds workers shouldn't be buying $300 concert tickets. Those are the types of luxuries that should be enjoyed by people making decent money.

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>non-dreamer millenials are not having kids
>no kids to inherit debt
>if debt mounts, suicide is a viable option

Calling it now: some alphabet agency will unveil some anti suicide ideation serum they've known for decades, and everyone will have to take it to be able to use currency (all digital, all credit)

>>137963699

No see the LCD screen makes it totally worth 2000 dollars

>>137963466
Because they realize it's better if everyone is living like sardines in apartments than everyone living in their own house.

>>137963700
You need an address to have/get a job. And usually you'd be living in your car for years before you can save enough money. Where are you going to eat/clean/piss anyway? It's not a realistic solution when we have millions of empty homes.

https://www.youtube.com/watch?v=Qy2FzfhSrY0

>>137963688
Not everyone wants to live in third world nations.

>>137964026
They could still get away with charging $2k

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>>137962266
>and all look nice and a desirable place to live.

I'd almost rather live in a nigger ghetto than in pic related.

>>137964257
Where's the supermarket, pub, post office, park, bank?

>>137964186

>Implying Slovenia is superior to Italy in any way, shape or form.
They're completely equivalent.

And neither is at 56% or has a 40% obesity rate, so fuck off and let the adults speak.

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if I have the option, should I buy a mobile home or rent an apartment?

with an apartment my money just vanishes, with a mobile home, I can at least recoup some of what I pay, but I also have to own the land it's going to be on, or lease it.. and with a lease I may as well be paying rent.

if I buy the land AND the mobile home, I may as well be buying a regular house

>>137964431

Probably 15 miles away down a road with a ridiculous 25mph speed limit and cops that'll shoot you if you do 27.

>>137963891
Even for the median American income of 40k, it's quite a lot especially after taxes, rent, utilities, and necessities. Fuck going to Operas and cultural events, wageslaving is where it's at.

>>137959239
Picture what your land would look like if Abos moved in next door to you.

>>137948093
"exercise bike"

Aerobics people are showoff faggots who don't realize that the pattern of activity, for most creatures, is long periods of low intensity and then extremely short periods of high intensity/conflict

Which is why running more than 4k a day is correlated with a reduced life span (excessive aerobics literally damages your myocardial/heart tissue over time.).

It's far better to maintain, control, and grow in something that actually makes you healthier into old age. aka Weight lifting. It's so fucking easy too but people are faggots about numbers and insecurities. They don't realize all that matters is
1. You do the form correct
2. You control the motion the entire way through. Most people in the gym cheat by letting gravity and momentum do a lot of the work. Which is stupid because that's stress that should be controlled by good form. It hurts a lot more when you control your reps the entire way through.
3. You lose weight, gain muscles, and become a bit less clumsy because you're actually practicing on controlling a load the entire rep, not awkwardly trying to show off quickness driven by gravity and momentum.

My religion is that cardio is a fucking waste of time and that you should walk a few miles each day. That's when you let gravity and momentum reduce the energy the body would have to expend.

>>137964650
Abos are legally confined to certain areas and housing

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>>137964650
He has a point, HOAs didn't even exist until recently.

>>137947625
Except more and more things are using that system. So you're paying for your things like your clothes and food on a monthly basis. You're essentially in servitude to whoever provides all of those things that allow you to live even if they continue to uphold the illusion that you have the power. Life is basically like this anyway but this is talking about going full on debt slavery with little chance of escape.

>>137964151
>You need an address to have/get a job.
You can rent a mailbox in a post office.
>Where are you going to eat
You can eat oats soaked in milk out of a bowl pretty much everywhere, anon.
>clean
24/7 gym
>piss
public bathroom or some tree.
>It's not a realistic solution when we have millions of empty homes.
You don't have millions of empty homes, anon. Those are the property of someone

>>137964872
Also the fact that more and more large conglomerates are attempting to merge and will probably find a way around the laws soon through lobbying. Meaning a handful of companies, or possibly one, could control all of these things in the next 50 years.

>>137947033
I just finished paying $300 in $60 monthly installments for three days of electric zoo

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>>137964781
>excessive aerobics literally damages your myocardial/heart tissue over time

You've got that right

>>137964597
I mean you can't go to $300 concerts every week at $40k per year, but that's enough to enjoy a few luxuries every year without riddling yourself in debt, as long as you're not an idiot with your daily budget.

>>137964448
Lol cute insult, friend.

You know why those places are cheap? Because they're riddled with crime and undesirables.

>>137964781
>aerobics damage your heart
Yeah if you're running fucking marathons twice a week. For everyone else this is absolutely not applicable broscience bullshit from /fit/-the shittiest board on the site.

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I took 3000 pounderinos on 33% credit card to finance my trip to Thailand and fuck ladyboys.I am not joking.
bite me

>>137964891
>You can rent a mailbox in a post office.
True but I don't know if it would work

>You can eat oats soaked in milk out of a bowl pretty much everywhere, anon.
Tried eating oats, was full yet still felt hungry. You need 2000 calories a day to survive.

>24/7 gym
I guess but then you're just renting a shower

>public bathroom or some tree.
What if you have to shit. Most public establishments require you purchase something first.

>You don't have millions of empty homes, anon. Those are the property of someone
Yes millions of empty homes, and millions of homeless and millions more one paycheck away from the streets.

>>137965231
>going to Thailand during the rainy season

the fuck are you doing?

>>137965231
JEFFREY! Also sauce on pic.

>>137964891
It's not completely unrealistic to live in your car, but most people don't want to because it's uncomfortable and inconvenient.

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>>137945628
My generation is a kikes wet dream even before i was redpilled i was extremely distrustful of buying things on credit or financing.

>>137964812
Psssst...that's why.

This is the Jews' wet dream.

>>137945628
Humanity is being conditioned to believe the shackles of debt are normal and good, like a leash reassures dogs that have had the independence bred out of them.

>>137948093
My fat friend bought one of these instead of a real bike. He's still fat.

Like, just go outside bro. Seriously. Put down the car keys and fucking walk somewhere.

>>137948093
I'll never understand exercise bikes.
Those things are only good if you want to train to be the worlds best ass kicker. They seem to be for people that want to pretend to lose weight.
Get a decent stair climber if youre serious about losing weight.

>>137948093
But dude I could like totally watch Game of Thrones on it while I workout.

>>137965360
cheaper prices, prostitutes more desperate

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>>137947370
>20%

Shit, my card company sent a letter saying they had upped to about 46% and that was years ago.

>>137965494
check out otohime nami instagram, trans cosplayer

This seems foolish and myopic.

>>137965218
http://roguehealthandfitness.com/aerobic-exercise-fat-gain-muscle-loss/

You also forget that in the age of social media, the faggots, who compromise the majority, like to show off for the mirror of social media. It's a lot easier to look "athletic" with a run than in doing reps with a "mere" 90 lb weight.

And yes, if you weight lift with good form, you learn to be less clumsy in your movements. Most people focus on numbers, not the intuitive feeling of a mass that has to move in a controlled way.

Just think about all the faggots at gym who try to "fast forward" their workout. It's ridiculous and counterproductive. You can't fast forward controlled motion without sacrificing the load on your muscles to momentum and gravity.

>>137965360
low season. cheap prices. only staying inside all the time

make more sense then the 33% loan

>>137965204

There is no discernible crime at all here. The only thing I heard is an old lady got scammed by some fake power company reps a few months back.
95% of the people living in the area are Italian.

But actually I love how you're lecturing me about the place _I_ live in, which you don't even have any fucking idea where it is.
Please continue.

>>137965231

Good choice m8, I'm sure you'll be proud of it - and all the other choices you're about to make - in a few years when all your peers have paid their house off and you're still living with your parents.

>>137960554

Not just that. Okay, let's say the APR is 8%. But lets say with investments I could get 10-15%+ per year, so it is better for me to spend the money up-front or just spend a little bit of money and have my investments > costs?

>>137965288
>You need 2000 calories a day to survive.
Look how much calories there are in oats, anon.
>I guess but then you're just renting a shower
You only need a shower for when you shower.
>What if you have to shit. Most public establishments require you purchase something first.
Then they're not public bathrooms. If you can't find one, go to the gym.
>Yes millions of empty homes, and millions of homeless and millions more one paycheck away from the streets.
Tragic, but that doesn't mean that we can go around and redistribute property just because we feel like it, anon.

>>137965918
>low season. cheap prices. only staying inside all the time
sometimes it just rains 10-30 minutes and then its normal again

>>137945628
If you're not making 70k+ a year min at 30 years old then you're doomed and cucked. Enjoy your shit life normies.

>>137965928
Obviously if you can get more of a return than what the APR is, that's the better choice.

But most people lose money on the stock market, so it's not like a 10-15% return is going to happen for the normal person.

>>137965907
When I did manual labouring there'd occasionally be a few gym body type guys who'd turn up and they'd be completely wrecked by midday every day. They couldn't handle actually carrying things around, going up and down ladders, holding things up etc.

>>137949388

Mortgage rates are like 3 or 4%.

Since it's such a long-term loan, you could have taken out a mortgage (let's say at 4%), invested the money you would paid for the home, earned 7% on that (annualized over the term of the mortgage), and either pocketed the difference or paid off the mortgage early.

If you'd done this anytime since 09 you'd be fucking laughing, the market's gone up by like 15% per year on average.

>>137959472
Those were also still a relatively new industry and the prices started to drop as more and more companies started to get involved and founder faster cheaper ways to manufacture their stuff. Exercise bikes have been around forever you have to be fucking retarded to pay $2000 for one.

>>137965927
>I'm sure you'll be proud of it - and all the other choices you're about to make - in a few years when all your peers have paid their house off and you're still living with your parents.

kek what partner
I am 38 and single.
23k salary, living in London.
I am renting a room for 1/3 of my 1500 salary.
I will never own a house in UK, might as well enjoy bliss with ladyboys. Funny how some if them are richer than me.

>>137958089
I invest with harmoney, great returns desue

>>137945628
I feel sorry for gen Z. Shit for parents shit for music, everything has been sanitized for them. Growing up with a smartphone and Snapchat instead of learning how to go outside on a Friday night and tackle the outside world. It's fucking hilarious watching them try and socialise even when they attempt to explore the real world they are glued to their phones. Narcissistic little wimps with gen x for parents. I enjoy picking on them at my local bar. Buy me a beer. Y-yes okay m-mate

>>137965928

The thing is your 8% loan is a fixed liability, whereas your 15% gain is a purely theoretical asset.

Essetially, you're playing with stocks on margin. If you get it right you make excellent gains, but if you get it wrong you lose a lot more than normal.

>>137966548
>Funny how some if them are richer than me.

Not really. The flesh trade is booming.

>>137945628
I got laid once with a serbian girl who told me, why don't you get a big loan.... you will not have to pay it when hyperinflation hits. BELIEVE ME.

I think she knew what she was talking about.

>>137966370
>If you'd done this anytime since 09 you'd be fucking laughing, the market's gone up by like 15% per year on average.
Yes, but the big money is eaten up by money movers.

Retail investors are notorious for being weak hands. The average person who you tell to invest is going to come out losing money while "investing" because they rush to sell the minute their stock drops 3%.

>>137965907
NOTE.

A funny part is that with controlling weight, you can spend the equivalent of two-three hours a week and pack muscle. So let's introduce the concept of failure. Lactic acid tells your body to engage rebuilding protocols. You need the signaling of pain and inflammation to tear damaged muscle and rebuild it.

Which is why you also shouldn't take aspirin right after gym. You're cucking your gains, which require literal damage and pain before the body signals repair with reinforcement.

>>You need 2000 calories a day to survive.

No. Calorimetry is inaccurate. It gets a wide ballpark (ranges of only >1 calorie difference to 500 in certain foods). And if your BF > 8, your body will burn fat. You can literally survive a year without eating if you're fat enough and you provide for your vitamins, minerals, and water needs. And you should practice IF (Intermittent Fasting). Your body needs 8-12 hours without food to start repair protocols that don't happen in the fed state.

>>137947274
I cannot get a house yet. So I have to save and get 10k before I can. It will take me 2 years.

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>>137945628


>be me, 29 years old
>married, own a house (bought 2 years ago)
>baby on the way, just bought my wife a new car also
>work at software development company, as a project tech lead
>handed groups of fresh college grad kids to stock my teams and show the ropes
>constantly hear them referring to me as old man, telling me they'll never be married, don't want the hassle of kids, and could never see themselves owning a house
>they all rent, they all spend their money on frivolous things
>mfw I invited some of them over one time and they realized the whole "not wasting your money thing" might be a good idea after all

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>>137951462
>posting leftypol memes

>>137966952
>Which is why you also shouldn't take aspirin right after gym.

I thought that was because it thins your blood or blood pressure or something?

>>137966548
>I am 38 and single.
>23k salary, living in London.

Jesus fuck, I'm 23 and I make 26000€.
230000GBP in london sounds like wageslave tier.

Can't you move somewhere cheaper or at least find a better job?

>>137966227

/thread

Pretty much 90% true. If you are still fucking around by then, people just assume you are that 44 year old man working at Burger King but isn't the manager.

>>137966356
That's why people need to work smart and not hard. Technique and experience will always beat out unga-bunga lifting.

>>137947473

isn't that basically like paying back a loan or mortgage?

>>137948093
>1 year limited warranty
Literally jewing yourself for buying this Chink shit.

>>137964781
get a fucking clue
https://en.wikipedia.org/wiki/Persistence_hunting

>>137967203
I am one of these people who simply fail at capitalism.Making money or getting jobs is complete magic to me, and I have two degrees(Masters and Bachelors).
In London it's easy to find a job, that's why I am here.Between 27 and 32 I was unemployed, with zero response rate.

>>137966952
Tell me more about if. Does that mean that 8 hours of sleep will auto start repairs?

>>137965928
>lets say with investments I could get 10-15%+ per year,

If you can get those kinds of returns, make no mistake: it's a bubble and it will pop on your face soon.

>>137966163
>Look how much calories there are in oats, anon.
Steel cut oats which are the most calorie dense only have 170 calories per cup. You need to eat 11 fucking cups of that shit just to keep your body from eating itself to survive

>You only need a shower for when you shower.
But this isn't a realistic option, telling millions of people to live in cars. Is trying to uphold a virtue worth it despite millions suffering?

>>137966356

Steroids are pretty shit for endurance.

>>137967899
What are you're degrees in?

>>137945628
fake news.

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>>137945628

>>137953345
Nah he's not at least in regards where I live. The biggest reason most of the people I know don't have jobs is because all they do is send in like three or four online applications with either no resume or one that has hardly any work experience or references. I understand how frustrating it can be but for the love of god at least do some volunteer work or go for an internship if you never did anything while you were in school to fill out work experience or at least get some reliable people your potential employer can contact.

>>137968167
Masters in International Relations and Bachelor in Journalism and Social Communication

>>137947473
>>137946529
Financing is also called muslim banking.

>>137968440
That's the problem.

You should have gotten degrees that actually made you employable.

>>137967841
That only proves my point. Short bursts of energy. If you spear the animal, it can't outdistance itself from a pack of hunters. Bipedalism was far more energy efficient (in terms of miles covered) than their,mostly quadruped, prey.

>>137967948

The problem with sleep is that we fuck it up by surrounding ourselves with blue light. Which inhibits melatonin which fucks your circadian cycle up. But yes, sleep is the usual way to add 8 hours (at least) after a fed event. Which switches over to fasting around wakeup or a few hours later depending on individual variation.

Why do you think fluorescent light lit rooms are so...terrible? Because the sun would normally inhibit the production of melatonin (even blind people have this reaction). But in fluorescent lighting, that melatonin is going into your system all fucking day. Making you less motivated and sleepier.

>>137967140

It's okay for normal people.Not for people with hemophilia or some sort of evil statin piece of shit blood thinner. The point was that muscular development requires pain.

>>137968599
I am employed, and my degrees reflect my natural interests and talents.
I wouldn't be able to be an engineer or a programmer

>>137968989
>A persistence hunter must be able to run a long distance over an extended period of time.
The prey is the one making the short bursts, the humans are the ones constantly running after it.

>>137945628
I finance my gas, rent, phone bill, black clothing, gear, bar tabs if drinking with other people in the industry, music, films, and netflix. 25 years old. Come at me

>>137969177
Fair enough. I guess if you're happy, who should I be to criticize.

And I meant employable at a good salary by the way. I only have an accounting bachelors (haven't even sat for the CPA exam yet) and I literally get at least one recruiter calling me each month asking me if I'm interested in these good salaried positions they have leads on.

>>137966952
>Which is why you also shouldn't take aspirin right after gym. You're cucking your gains, which require literal damage and pain before the body signals repair with reinforcement.

Does that also apply to ginger? It thins the blood like Aspirin. I've been drinking ginger juice to reduce inflammation, some nights it was like a fever. Fucking low T

>>13795186

but I don't want to own to own 400 movies on bluray.....

>>137945628
NO millenials are just shit at budgetting and self control and fell victtim to skinnerbox models the likes of which have never been seen,
>It's not the jews that did it
>But guess who saw the marketing trends and handed out pre approved credit cards

>>137965907
>>137966952
>>137968989
Important info, well said.

>>137947570
>getting a loan at all
what??

>>137968989
CONT.

To elaborate on my response to >>137967841
we get a skewed picture of endurance running because we run and walk the wrong way.

Shoes, as we know them, only came into style during the medieval era and is still a very common. As you know, walking on shoes is usually done by striking either heel first or as a T-bone to the ground.

HGs don't have shoes. That's part of why they're stealthy hunters. They have a technique where the balls of the feet and let the rest of the foot "settle" down. It's why I wear "minimalist" shoe wear. Because it's actually a lot more graceful than "traditional" walking. It's also part of why fashion models walk in that particular way. It mimics how a healthy HG would walk.

>>137969221

You are right in that respect but the "running" gets easier as the prey bleeds out. It's not like they have to run at full intensity. Unless they really fucked up the hunt.

> I've been drinking ginger juice to reduce inflammation, some nights it was like a fever. Fucking low T

The day after. But what sort of inflammation do you mean? It's normal to feel muscle soreness after a (good) workout.

Send white people into diaspora with eventual genocide

>>137958209
What do you do for fun? Orlando here.

>>137969177

Anon, if you're making 23 at 38 years old you might as well be unemployed.
I mean, you had to take a 3000£ loan because you didn't have them saved, doesn't that tell you something?

>my degrees reflect my natural interests and talents.
The problem with "follow your passion" is that it only works if your passion is something that people actually care about.

Also, I disagree with >>137969419

The problem isn't that you're poor NOW, if it doesn't bother you whatever. It's what happens if you lose your job. Also what happens when you're old and you don't have any savings? If british pensions are like here you'll be royally fucked.

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>>137947570
He can't get 0% APR with stellar credit

Jews want more slaves hence refugees.
Anyone have the infograph on that?

>>137956957

HAHAha yeah don't get Australian and American mixed up. $165,000 will buy you a place in a town it has a population of 200 people....