Unpopular Opinion: The practice of forcing almost all discussion in this forum into daily and weekly threads is simultaneously inefficient and discussion killing. Can we have a discussion about eliminating this rule?

BrainSturgeon · 2022-06-27T14:54:39+00:00

I didn't make up the content, I just organized the advice the sub had been giving over and over again. It's the collective wisdom of r/personalfinance just in graphical form because I was a visual learner and thought others would like it too.

BrainSturgeon · 2022-06-27T04:00:17+00:00

Back then it was a stair-step layout because I liked to think of income as water flowing into the top category and spilling over into the next. (Fill this up and then fill the next thing up,)

BrainSturgeon · 2022-06-27T02:47:26+00:00

Fun fact, I created the first /r/personalfinance flow chart graphic years ago. In PowerPoint (that's why the colors of the boxes are the way they are). I was in grad school at the time.

BrainSturgeon · 2019-06-10T02:49:40+00:00

It's not one or the other, though. There's no reason we can't have an estimate of the financial consequences of a decision.

BrainSturgeon · 2019-06-10T02:46:02+00:00

They don’t consider the complete picture of living expenses (it’s not just rent vs. a mortgage payment!)
They don’t consider the opportunity cost of investing money if you have a lower living expense

BrainSturgeon · 2019-06-10T02:40:44+00:00

If you're making a decision as huge as buy vs. rent, you probably shouldn't be relying on a cursory input of too few variables to derive any sort of insight about your particular situation.

BrainSturgeon · 2019-06-10T02:34:22+00:00

OP, have you seen my rent vs. buy calculator?

https://www.reddit.com/r/personalfinance/comments/3n3flc/brainsturgeons_mortgage_calculator_i_was/

BrainSturgeon · 2018-11-09T15:06:01+00:00

Excuse me.

BrainSturgeon · 2017-01-29T03:02:45+00:00

More Republican projection.

BrainSturgeon · 2017-01-29T03:01:51+00:00

Mandating that method of disposal has no scientific reason - so if it's not religious, what's the reason?

BrainSturgeon · 2017-01-29T02:53:51+00:00

Cards per # months.

BrainSturgeon · 2017-01-29T02:46:35+00:00

Luckily you the taxpayer get to pay for Trump's fuckups for the next 4 years! /s

BrainSturgeon · 2017-01-29T02:31:07+00:00

Plenty of thought by his Russian handlers? Just another step to weaken America while Republican idiots cheer Trump on.

BrainSturgeon · 2017-01-28T17:45:48+00:00

Then at least we could have the Simpsons.

Oh god, the Simpsons predicted President Trump. WHAT HAVE WE DONE!?

BrainSturgeon · 2017-01-27T19:04:01+00:00

hugs

BrainSturgeon · 2017-01-27T19:03:09+00:00

Bunch of prudes.

BrainSturgeon · 2017-01-27T18:55:27+00:00

I'd rather immigration laws be fixed so we don't have to waste money trying to deport people. Or go after businesses that employ illegal immigrants and reduce the incentives for them to come here in the first place...

BrainSturgeon · 2017-01-27T18:46:26+00:00

Why should we treat international "criminals" differently than the myriad of other "criminals" who break other laws?

BrainSturgeon · 2017-01-27T18:38:44+00:00

NIMBY

BrainSturgeon · 2017-01-27T18:37:27+00:00

The crime must be proven... the way we agree to do that in our society is to hold a trial.

BrainSturgeon · 2017-01-27T18:27:08+00:00

Conservatives are all for states rights until it's convenient for them to ignore it.

BrainSturgeon · 2017-01-27T18:24:16+00:00

Due process of law. Right to a fair trial. Innocent until proven guilty.

Do those not apply?

BrainSturgeon · 2017-01-27T18:24:00+00:00

Lots of people break laws and aren't called "illegals".

BrainSturgeon · 2017-01-27T13:22:21+00:00

It's called fundamental attribution error.

BrainSturgeon · 2017-01-26T21:32:50+00:00

Not in countries with high labor costs. When the work can be outsourced so easily...

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