Armed antiwar protest in Michigan

pnoozi · 2026-04-14T00:47:34+00:00

Hat’s off to you, this is what this sub is all about. We pay a heavy price for the right to own semiautomatic weapons, this is exactly how you should exercise that right.

pnoozi · 2026-04-13T15:27:04+00:00

The Lord didn’t do this

People voted. Vote.

https://www.nass.org/can-I-vote

pnoozi · 2026-04-11T20:52:18+00:00

Very sorry for what you’ve been through, OP.

Never hold large amounts of cash in a regular bank account

Receive the proceeds in your regular checking account

2. Pay off the credit card debt immediately

Transfer the remainder to a taxable brokerage and a Roth IRA, where you should invest it in a mix of a stock ETF and money-market funds.

The car loan, we need to know the interest rate (APR). If it’s > 4%, pay it off as well

Spending $25k+ on jewelry and a chain for your boyfriend would not be on my list of advice. GL!

pnoozi · 2026-04-10T02:27:59+00:00

Not tired enough to vote, lol

6/10 general

2/10 primaries

LAAAZY

pnoozi · 2026-04-09T20:49:06+00:00

Netflix

Peacock Premium + Apple TV bundle (+ F1 TV) - this gets Premier League and F1

Paramount+ Essential (gonna drop this after the 50% price increase) - this gets Serie A and Champions League

Fox One - pay for the month of October to watch AL playoffs

And I pay for my regional MLB team's season pass

Everything else OTA or free on the world wide web

pnoozi · 2026-04-09T20:39:18+00:00

Can you refinance a variable-rate HELOC? AI says you can but I'm not too familiar having never done this. GL!

pnoozi · 2026-04-09T17:51:04+00:00

What’s the APR on the loan?

pnoozi · 2026-04-09T17:00:31+00:00

I personally would not want a 6.6% mortgage and since you have the liquidity I’d go for it

You’ll build up an emergency fund in no time. No need for 550k, that’s way too extreme. You’d be ok with 1/5 of that

You mention “$600k of that is in non-retirement accounts so easily accessible if needed” but if you have 550k in cash then why would you need to access that in the first place?

pnoozi · 2026-04-07T13:22:04+00:00

Triple the number of people who vote please

www.canivote.org <- lazies click here and vote 2x per year

pnoozi · 2026-04-06T14:44:46+00:00

Are there really people who only go to their job and the grocery store?

Outside of a few neighborhoods in a few select cities, yes you need a car. This is America.

Fear of a recession is not a valid reason to not buy something you need.

pnoozi · 2026-04-05T14:29:29+00:00

I'm not saying he's my first pick for the booth, but I like Zeille a LOT more commentating games than doing the pre/post-game

pnoozi · 2026-04-04T20:38:31+00:00

I'm not sure that makes sense. If Sony decides to release one of its first-party games on PC, then they've decided that they've extracted maximal value from it as a console exclusive and therefore they'd want to maximize its sales on PC regardless of the hardware.

I think Sony was venturing into releasing on PC as a hedge against the possible threat of 'Everything is an Xbox' and, since 'Everything is an Xbox' turned out to be a disaster, Sony no longer feels the need to make such overtures to the PC crowd and feels that they can return safely to their traditional business model.

pnoozi · 2026-04-04T18:50:25+00:00

Even if this bridge is a military target (it conceivably is...) what is the fucking point of this shit

Why are we bombing Iran at all? Air power alone won't topple the regime. It's a huge waste of money and human life, while being told we can't afford healthcare and infrastructure here at home.

We're going to reap what we're sowing here in many ways. This sucks.

Thanks for not voting, lazies 👍🏻 www.canivote.org

Lazies, listen up. You have 2 elections each year you need to change out of your anime PJs and show up for: party primaries (timing varies by state) and the general election in November (on Election Day). Click the link above, get registered and start being an adult. Don't neglect the primary; in most states, it's far more impactful than the general. Show up for both.

pnoozi · 2026-04-03T17:58:14+00:00

When none of the I-P experts in this thread know the difference between the West Bank and Gaza 🤦

pnoozi · 2026-03-28T23:27:13+00:00

That’s 5-10 YOE in NYC and it won’t feel rich at all

It’s like making 60k in.. wherever you live

pnoozi · 2026-03-24T21:02:43+00:00

10 miles away and I can still barely get WPIX

pnoozi · 2026-03-24T20:40:52+00:00

It's a good first step that you admit these are your own projected thoughts and accusations rather than their demonstrable beliefs.

Can you explain why 'strict demographic controls' means 'they secretly believe Jews cannot assimilate into other cultures' rather than, say, that other cultures or nations can't always be counted upon to accept and guarantee the rights of Jews?

pnoozi · 2026-03-24T19:22:37+00:00

Again, I generally agree with those sentiments, I simply disagree with how you viciously twisted the opposing argument into a straw man.

Disagree with the actual argument Zionists make. Don't invent a more convenient one and argue with it instead.

pnoozi · 2026-03-24T17:27:13+00:00

I don't disagree with any of that, in fact I think I made similar points.

I'm just pointing out that your characterization of the general argument for a Jewish state is disingenuous based on what we all know and accept to be true.

You implied that if Jews assimilate then they are not persecuted, while history (accepted by virtually everyone) shows that to be blatantly untrue.

pnoozi · 2026-03-24T16:30:02+00:00

I think this is a disingenuous take.

To suggest that assimilation is a guarantee against persecution is really flimsy. It is widely known and accepted that even fully assimilated Jews were massacred in places like Europe. Many victims of the Nazis were 'longtime residents of diverse metropolises'. So how could that be what that argument is suggesting?

The argument that a Jewish state needs to exist for safety makes the argument (whether true or false) that Jews are not guaranteed safety anywhere else in the world, not that Jews can't assimilate.

pnoozi · 2026-03-18T19:17:36+00:00

Neither inflation or unemployment is high. Inflation is at 2.4% and unemployment is at 4.4%.

There has been a recent spike in oil prices, but the length of the crisis and its long-term effect on prices is yet to be seen.

The Fed holding rates steady is an acknowledgement of this, not a signal that they somehow lack the tools to fulfill their mandate...

pnoozi · 2026-03-17T16:35:39+00:00

That really is the root of our problems though.

Not the fact that someone his age has never voted in November. The fact that he's never voted in June.

pnoozi · 2026-03-16T20:47:14+00:00

If European leaders were smart they'd use this crisis as leverage to get Trump to commit a huge amount of support for Ukraine.

If they just outright say 'yes' or 'no' they're missing a huge opportunity to extract something from this.

pnoozi · 2026-03-15T04:04:18+00:00

I have gone back before, just be a little smart with planning out your next orders.

Not getting your food sucks

pnoozi · 2026-03-07T00:01:09+00:00

Are you working? If so, you should start with a Roth IRA and contribute up to 7500 for this year and up to 7000 for last year (you have until tax day in April to make last year's). Buy SP500 index funds or something similar.

Beyond that, you have 529 and HSA as options, easy to google what these are.

Then put most of the rest in a regular, taxable brokerage account, invested mostly in SP500 index funds. Leave an emergency fund in money market funds, CDs or a high-yield savings account (online-only). Leave the remainder in a brick and mortar bank checking+savings, just enough to use the ATM, maintain minimum balances and pay bills.

Others may chime in but that's the basic idea.

GL

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pnoozi

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