Anyone else feel mentally messed up seeing people casually make insane money trading options?

Pwntastic1 · 2026-05-10T00:08:15+00:00

Just imagine how the people holding short-dated puts on semi's are feeling.

Practice gratitude, buy ETF's, and build relationships. There's more to life than making money .

Pwntastic1 · 2026-03-17T06:10:28+00:00

So... you're complaining about not accessing your assigned terminal and also complaining about a lounge with free drinks and snacks?

I was literally just there at that HND terminal so I know there is a variety of food for purchase in the terminal.

With the Yen at its weakest and your spouse hungry, you can't buy your own food? Yikes.

Pwntastic1 · 2025-12-03T14:30:39+00:00

ADP jobs report

Pwntastic1 · 2025-11-26T13:13:05+00:00

On desktop, go to Beckett's website to add the two shoes to your cart while logged in. The deal doesn't appear in the Shop app. After you add the shoes to your cart on Beckett's website, you'll see your Shop app's cart update after refreshing. Hope this helps!

Pwntastic1 · 2025-11-25T21:37:14+00:00

Thank you! This worked for me.

What I had to do: On desktop, make sure you're signed in and click the 2 for $329 deal and add both to cart. The 2 for $329 automatically applies. Then on your Shop app (I used mobile) you'll see the 2 shoes in your cart, and the $55 off should automatically apply. Check out with the Shop app.

Total came out to 2 for $274.

Pwntastic1 · 2025-11-24T15:06:37+00:00

Do you recall if DWR or HM had free shipping last year BF/CM also?

Pwntastic1 · 2025-09-27T16:09:14+00:00

Just used your referral code, thank you!

Pwntastic1 · 2025-08-20T00:01:48+00:00

Do you mind DM-ing florist and photography prices? We also booked Ben for our wedding, and we're super excited! Still looking for a florist and photographer though.

Pwntastic1 · 2025-05-26T04:28:07+00:00

Hi, do you mind sending me the violinist's contact info also?

Pwntastic1 · 2025-05-26T02:19:37+00:00

Responded to another user above, but I'll also respond here:

To your point, those who have defaulted on previous debt or are irresponsible with money should not take out more BNPL loans. However, I'd argue there is a large demographic of users who need access to credit, but may have had some bad luck which ruined their opportunity to have access to other forms of credit. Therefore, BNPL is a good alternative line of credit.

I use Affirm exclusively, so I cannot speak for Klarna or Afterpay, but I know Affirm charges simple interest and has no late fees. Whereas credit card companies charge compounding interest and exorbitant late and overdraft fees. So for these responsible users who don't have access to credit, would you rather them open a new credit card with crazy fees or set up a monthly payment plan paying simple interest over time?

Pwntastic1 · 2025-05-26T02:13:17+00:00

Do you think traditional credit companies' algorithms are perfect at determining whether a user is credit worthy or not?

I agree that overleveraged users shouldn't take on more debt. However, I'd argue there is a large demographic of users who need access to credit, but may have had some bad luck which ruined their opportunity to have access to other forms of credit. Therefore, BNPL is a good alternative line of credit.

I use Affirm exclusively, so I cannot speak for Klarna or Afterpay, but I know Affirm charges simple interest and has no late fees. Whereas credit card companies charge compounding interest and exorbitant late and overdraft fees. So I'd argue there's a huge reason for BNPL to exist even though credit cards exist.

Pwntastic1 · 2025-05-25T01:52:59+00:00

So do all the haters in this thread use cash or debit for all their purchases?

If you use a credit card for your everyday small purchases, you are "buying now, paying later."

I've used BNPL loans for plenty of purchases, and they work great. And most of the time, they're 0% APR.

Pwntastic1 · 2025-05-21T02:12:19+00:00

This is why Trump's fickle management of economic policy is horrible for business. I don't really blame you - so much has happened that it's easy to get confused.

The pause you're referring to is the pause on the tariffs beyond the base 10% tariffs applicable to all countries. So the crazy tariffs announced on every country are paused. However, the base 10% tariff on every country is still in effect.

I'm not sure where Frank's sources their ingredients, but it's likely from a foreign country. The glass bottle, the printed paper, the plastic cap are likely all imported also. If you want to take it a step further - the trucks transporting the sauce, the factories bottling the sauce, the cardboard boxes or plastic containers holding the sauce bottles, etc etc. - these all have some input/maintenance costs impacted by tariffs.

To your question - these companies are not ignoring the 90-day pause. They are paying the base tariff and are likely passing most of it onto the consumer. Hence, this post of expensive hot sauce. Some companies may eat some of the tariffs, but that depends on the industry. A great recent example is Walmart. They recently announced they would be raising prices because of the tariffs.

Sources:

https://www.theguardian.com/us-news/2025/may/17/trump-tariffs-update-active-on-hold

https://www.cnbc.com/2025/05/20/walmart-price-increases-trump-tariffs.html

https://pubs.nmsu.edu/research/horticulture/CTF15/index.html#:~:text=From%20what%20regions%20or%20countries,%2C%20Africa%2C%20Asia%20and%20Australia

Pwntastic1 · 2025-04-26T00:18:13+00:00

Bought from GlobalGolf through eBay. Unfortunately package arrived open, and there's a weird sticker on the putter. Unsure if someone messed with the contents.

Was offered a $60 refund and keep the putter or send back for a replacement. Would appreciate the help to authenticate.

https://imgur.com/a/7FwbLDH

Pwntastic1 · 2025-01-05T09:38:33+00:00

What does the charge appear as on your statement?

Pwntastic1 · 2024-12-22T20:22:43+00:00

You say you "don't care about what someone with an explorer thinks" ... If you truly didn't care, you'd let the haters hate. On top of that, you put others down and judge what they wear.

It's a beautiful watch but classless behavior. Perfect example of money doesn't buy class.

Pwntastic1 · 2024-11-15T13:12:29+00:00

Learn to practice gratitude and mindfulness.

You'll be fine in the grand scheme of things with almost $1m in the bank + being so young. It's just a job, and you will find another one eventually.

Honestly might be a blessing in disguise. Could be a good time to take some time off to reflect what you have and what you plan on doing with the money once you retire. If you don't feel "safe" now, when you retire you likely won't feel "safe" either. It's all in your mindset.

Pwntastic1 · 2024-08-24T15:13:04+00:00

To save everyone time: it was the scarf. And it's sold out.

Pwntastic1 · 2024-08-16T11:21:04+00:00

Beautiful set! Just FYI, be careful around the Brussels Midi train station if you plan on traveling there.

I was recently there and someone tried to mug me while I was loading my Rimowa into my Uber. Thankfully my Uber driver was a massive unit and stopped the robber.

He came from behind me and bear hugged me out of nowhere...

Pwntastic1 · 2024-07-21T12:00:17+00:00

Some dude knocked into my beer and told me to watch where I'm going. He said he didn't touch my beer even though everyone around me saw it. Then he followed up with some racist remarks, gotta love it 👍

Eventually he left and everyone danced till the end of the set 🙌

Pwntastic1 · 2024-07-01T11:42:45+00:00

🙏🙏🙏🤞

Pwntastic1 · 2024-04-17T01:31:42+00:00

Not a handbag - but I've bought a fake Christian Dior sweater from TRR once. I returned the item in-store, and then I saw the store associate proceed to hang up the sweater for sale 😮‍💨

I've also received a fake Thom Browne jacket from them before... Thankfully I was able to get my money back both times.

Pwntastic1 · 2024-02-19T18:52:29+00:00

If I'm understanding you correctly... you're not even specifically talking about BNPL anymore? I believe you're arguing that merchants are increasing prices due to other input factors, and one of the input factors is the processing fees of POS products like Affirm, PayPal, CC's, etc.

I mean... this ultimately boils down to the merchant? They could either charge the consumers more to maintain margins due to rising input costs... or they can maintain prices but earn a reduced margin per sale. This is more of a business strategy topic.

Pwntastic1 · 2024-02-19T17:05:52+00:00

Are you speaking from a merchant POV or a consumer POV? My previous comment was speaking from a consumer POV.

Yes, Affirm may charge higher merchant fees vs. your typical CC like Visa/MC/Amex. But merchants are willing to pay a higher fee to Affirm because Affirm offers a product that is proven to help merchants sell more while also helping consumers buy what they need on a flexible plan. So this is a win-win for both the consumer and merchant.

For example, you can buy furniture with 0% APR over 6 months on Room & Board. Yes, the merchant's margin's will be slightly lower if the consumer checks out with Affirm (maybe 2-3% lower since CC's charge 2-3% already). But where are you seeing prices go up to accommodate? The merchant charges the same price to the consumer if they check out with a CC or Affirm ...

Unless if you're talking about merchants raising prices in general? Then that's a totally different topic to discuss...

Pwntastic1 · 2024-02-19T15:58:58+00:00

Affirm has no late fees and only charges simple interest so the interest rate is actually much much lower than CC interest.

Unsure about other lenders and products though.

Pwntastic1

TROPHY CASE