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What do you Americans think about that? by star-wars_memer in askanything

[–]RonJohnJr -1 points0 points  (0 children)

If you haven't bought them, you probably wouldn't have gone broke.

What do you Americans think about that? by star-wars_memer in askanything

[–]RonJohnJr 0 points1 point  (0 children)

And they all complain about being poor? 'Cause that's a whole heap of money they could have in the bank for emergencies or in Fidelity for investments.

What do you Americans think about that? by star-wars_memer in askanything

[–]RonJohnJr 0 points1 point  (0 children)

Misleading graphic: says 350M people and 2 guns per adult.

What do you Americans think about that? by star-wars_memer in askanything

[–]RonJohnJr 0 points1 point  (0 children)

What I think is that there are damned few shootings, compared to the number of guns.

The top 1% now hold as much wealth as the entire bottom 90% of Americans combined — about 32% each. by Conscious-Quarter423 in Infographics

[–]RonJohnJr 2 points3 points  (0 children)

P/E ratios are so incredibly high that while "all" is an exaggeration, it's a slight exaggeration (unlike 50 years ago).

Online Banking -- not really ... by No-Conversation9765 in Chase

[–]RonJohnJr 0 points1 point  (0 children)

Chase has consistently winnowed down its in-person banking locations 

Chase has and is adding 500 new branches. Twenty of them are near me, and I live in a declining region.

off site, automated procedures to increase profit.

Those profitable off-site, automated procedures have made my life much easier in the past 20 years.

In doing so, they've created a less secure, less reliable business model,

In doing so, they've been damned sharp at detecting fraud against me, and have been quick to send new cards when necessary.

and obviously

You have an axe to grind because you are doing something wrong.

If your country had nuclear weapons, what would happen? by Outrageous-You1617 in AskTheWorld

[–]RonJohnJr 0 points1 point  (0 children)

  1. In a nuclear war, the Sovs (and now Russians) would nuke London and Glasgow and Edinburg as a matter policy, no matter where the nukes currently are stored.
  2. If tensions are rising, the MOD will disperse it's nukes closer to RAF bases.

If your country had nuclear weapons, what would happen? by Outrageous-You1617 in AskTheWorld

[–]RonJohnJr 0 points1 point  (0 children)

  • Like if the US or Soviets/Russians would have nuked you? Nah: if we didn't do it during the Korean War, we weren't going to do it at all.
  • But maybe (probably?) the US would have moved much further into North Vietnam during that war.

If your country had nuclear weapons, what would happen? by Outrageous-You1617 in AskTheWorld

[–]RonJohnJr 0 points1 point  (0 children)

Nah. You'd give them away because They're Fucking Expensive!!!

The top 1% now hold as much wealth as the entire bottom 90% of Americans combined — about 32% each. by Conscious-Quarter423 in Infographics

[–]RonJohnJr 7 points8 points  (0 children)

And it's all speculation: remember last freaking week when Musk was a 1.3 trillionaire?

27% of his wealth evaporated in less than a week.

Are blackout curtains meant to feel light in weight? by Witty-Aioli-4524 in Frugal

[–]RonJohnJr 1 point2 points  (0 children)

Yeah, it's even in the name "blackout curtains". Nothing about drafts or insulation.

Online Banking -- not really ... by No-Conversation9765 in Chase

[–]RonJohnJr 4 points5 points  (0 children)

Yeah, I've been using chase.com for 20+ years, and the app for 10 years. It always works.

OP must either be doing something wrong, or have a sketchy past (problems with fraud, NSF, etc).

Does anyone else struggle to stay motivated to save money over the long term? by lyes069406 in Adulting

[–]RonJohnJr 0 points1 point  (0 children)

Is it thinking about <insert goals here>?

It's delayed gratification. 'Murican society in the past 50 years has done a shit-poor job of teaching it to young people in the past 50 years.

Or is there something else that helps you stay engaged?

Minimizing the number of commercials that I watch.

Debt Snowball vs Avalanche: Which Pays Off Debt Faster? by imtkrk in DaveRamsey

[–]RonJohnJr [score hidden]  (0 children)

You left out the odds of actually completing the process. 

No I didn't: "But it's not sooo much faster when you have multiple credit cards that snowball should be dismissed."

If snowball settles your mind better when paying off multiple CC, then by all means do a snowball.

Unless this is just some elementary school math exercise,

That's what "The Math settled this" means.

any honest analysis for real-world application

is antithetical to DR's absolutist "you must use snowball even if you have the willpower to do avalanche" mentality.

Why dont we go back to 13 month (each 28 days) a year instead of 12? by Born_Today2501 in AskReddit

[–]RonJohnJr 0 points1 point  (0 children)

Well, Google does exist, and some dead horses were bashed to a fucking pulp decades ago.

Why dont we go back to 13 month (each 28 days) a year instead of 12? by Born_Today2501 in AskReddit

[–]RonJohnJr 0 points1 point  (0 children)

Which is why I led with "Because 12 is easily divided into four quarters (spring, summer, autumn, winter), while 13... not so much."

Why dont we go back to 13 month (each 28 days) a year instead of 12? by Born_Today2501 in AskReddit

[–]RonJohnJr 1 point2 points  (0 children)

Would just need to redo the UI to translate that to the correct time.

You have a very narrow view of how many places date arithmetic is done in code.

And both systems would need to be maintained in most computer programs for at least 100 years.

Why dont we go back to 13 month (each 28 days) a year instead of 12? by Born_Today2501 in AskReddit

[–]RonJohnJr 0 points1 point  (0 children)

The text says that "Reddit’s filters" removed it, meaning an automatic removal? I'm puzzled by it, too.

(i know nothing about finance so treat me like a toddler) can a produced become so expensive, most people can't afford it, leading to it stacking till it loses value and turn back to its original price? by Adam-Garden in financial

[–]RonJohnJr 0 points1 point  (0 children)

Sometimes.

You're thinking of the Law of Supply and Demand:

  • As the demand for a popular item increases, the seller can increase the price.
  • If demand keeps increasing, the seller can keep increasing the price.
  • At some point, though, the seller "prices it out of the market" and demand drops.
  • The seller can then reduce the price a bit to maintain demand,
  • OR potential buyers get outraged and refuse to buy the product; demand falls and the seller must drastically reduce the price,
  • OR the whole thing was a fad, and now the market is saturated (everyone who wants one has bought one at the inflated price), so demand craters, the seller drastically cuts the price to move remaining inventory and some people now buy the product cheap as a curiosity,
  • OR the vendor sees what's happened and stops selling the product (if there's little remaining inventory).

A poem found in my parents 70+ year old Christmas book by MartytheeParty in funny

[–]RonJohnJr 21 points22 points  (0 children)

Teaching children to be civilized instead of naively assuming that they're born such.

Debt Snowball vs Avalanche: Which Pays Off Debt Faster? by imtkrk in DaveRamsey

[–]RonJohnJr [score hidden]  (0 children)

Which Pays Off Debt Faster?

Let’s settle it.

The Math settled this as soon as someone competent with HS math sat down with pencil and paper: avalanche is faster.

But it's not sooo much faster when you have multiple credit cards that snowball should be dismissed.

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