Someone gave me this advice at my first job and it works like a charm:

On reflection this is clearly a case of (not sarcastically) “it’s not you, it’s me.” I have a complex - based on my experiences over the last 5 years - where people throw me in this stereotypical “dad” bucket where I’m like some 50's dad who works all day then comes home to drink scotch and play poker with the boys.…

Still washing hands.

I agree. My district has this huge plan about santizing everything all the time and not sharing supplies, books, etc. But we’re learning more and more now that transmission from surfaces is not common. Maybe if they chilled on scrubbing everything down constantly they would have more mental bandwidth to address the…

than your first and last name, and maybe a tasteful number (i.e. not 69)

They’re tapered from the top to the bottom:

That’s a whole separate conversation of “should I spend my day documenting every special thing that’s happening or should I just sit and enjoy it for its own sake”. I definitely err on the side of the latter, but I won’t begrudge someone for wanting to take a few.

I had that exact same progression of feelings with knee sleeves. I got the A7 brand knee sleeves that are slightly cone shaped, so it’s easier to pull over your quads and still have it be tight around your knee.

As a resident of CO where we get 11” of precipitation all year (mostly snow) - I am amazed by the concept of plants just being able to grow without a frequent, active, never-ending attempt to keep them from dying via lack of water. 

The risk cost-weighted though. It’s not 40:1 people. It’s about the fact that when someone skips out on a payday loan the lender basically gets zero. A credit card company may get late payments, but they eventually get them. Or they can re-sell a chronic non-payer’s debt to a collection agency for 10c on the dollar. A…

As a husband and father, I have to say (and this is probably a larger phenomenon than just me given that this article had to be written):

Going to do whatever your school tells you to do because you don’t have another option?

I know this wasn’t your intention, but as a young professional with 2 kids living in an upper middle class suburb...I just kinda have to defend myself and I say I love my kids and I love spending time with them (I’m legitimately sad thinking of my oldest going to Kindergarten and not getting to see him intermittently…

But a credit card is in theory a 30-day loan and still operates with a 10-30% apr. Payday lenders are dealing with higher risk customers but are the 10-40x more risky?

You don’t have a source for the $1200/$300 number. Two different sources corroborated the average lender pays $520 in fees for a $375 loan. But the typical fee is $55 for a $375 loan over two weeks, or ~15%.

Correct. Interest rate is the price of the loan. You are factually correct but trying to induce an unfair emotional response by correlating the price of the loan in annual terms (which nobody will actually pay).

These loans may have an annual percentage rate (APR) close to 400%

Probably not a seasoning, but since you included the everything bagel from TJ’s....

I’d be scared to buy the book and see how many skills I’m lacking (as a 35 year old adult).

I mostly identify with people who call themselves “classical liberals”, but that term isn’t too ingrained in the popular lexicon, so I settle for small-l libertarian. Maybe I’ll just make the switch.