The LIBOR has been at historic lows for about the past 7 or 8 years, it likely won’t stay at that rate and will probably increase. The LIBOR is the London Inter-Bank Offered Rate (actually, there was a giant scandal regarding LIBOR rate manipulation just recently) and is the rate that banks loan money to one another.…

Not necessarily. If you’re financially stable and can pay it off in a short time horizon (3-5 years), a variable interest rate is fine.

Yes lentil soup, total junk food. Yep, home made bread, total junk food. Completely right, meatloaf, absolute junk food.

So... you’re argument is, someone who was once poor and still maintains contact with my poor friends has no experiential knowledge worth sharing?

I think I see your issue. You’re assuming, if you’re unemployed for a year, you won’t have any income after you burn through your savings.

No, do not ever do something like that! All your doing is digging a deeper hole you’ll have to work that much harder to get out of in the future.

Bullshit.

Couldn’t everyone say that?

Feminism means pushing women into STEM, whether they like it or not.

You understand you countered his anecdote with an anecdote, right?

It’s coming to the point where it’s professional degree (so, undergrad plus grad school) or STEM. Everything else seems to accrue huge loans with little chance of attaining a well paying job (of course there are exceptions).

Yeah, I would say never* borrow what you don’t have.

We have the Chase Freedom card so you can get various things, but I always take the cash back, though I haven’t actually done the math to figure out if that’s the most beneficial. Like, I don’t know if using my 2400 points for $24 is less value than something else, as I’ve never looked.

Yep. Though, we put every single expense we can on our credit card (we only have the one). It’s never more money than I have on hand, but I figure, if we’re going to pay the expenses, might as well get 1-5% cash back. This month is 5% back at Amazon. Guess what part of my budget has gone up.

The way I’ve avoided credit card debit is abiding by what my mother taught me: Never spend more money on a credit card than you have sitting in the bank.

I think this intuitively makes sense. If a person is complaining about something, and you step into their shoes and you overcome it, you’d be far less empathetic to those who either didn’t overcome it or have yet to overcome it.

I have the exact same list, save for I think 2 and Black Flag are equal. Unity almost drove me from the series. I don’t even think I finished it because I was just bored with the game and felt no need to finish it.

Cooking is accessible to all. People have literally done it for 10,000 years.

Yeah, she hates people like you more than I do. See, she’s a real independent woman who doesn’t just rely on a man to get through life. She works 80 hours per week. She graduated top of her medical school class.

You seem to care quite a bit.