Author Topic: 13 minutes of Antimustachian cringe  (Read 6501 times)

AnswerIs42

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13 minutes of Antimustachian cringe
« on: May 20, 2019, 02:34:57 PM »
Right here:

https://www.youtube.com/watch?v=6c7gDKaOB14

See if you can make it all the way through without banging your head on the table.

AMandM

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Re: 13 minutes of Antimustachian cringe
« Reply #1 on: May 20, 2019, 03:05:42 PM »
I think my favourite is the guy who buys expensive stocks as status symbols and sells then once they're cheap and unimpressive.

PDXTabs

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Re: 13 minutes of Antimustachian cringe
« Reply #2 on: May 20, 2019, 09:31:48 PM »
I think my favourite is the guy who buys expensive stocks as status symbols and sells then once they're cheap and unimpressive.

My favorite is the guy who used socks for toilet paper.

GuitarBrian

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Re: 13 minutes of Antimustachian cringe
« Reply #3 on: May 20, 2019, 10:14:38 PM »
My favorite was the time share guys.

nereo

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Re: 13 minutes of Antimustachian cringe
« Reply #4 on: May 21, 2019, 05:28:16 AM »
I worked with a bunch of guys who would by scratchers every payday.  For a short time our company gave small bonuses (like $5) when they did things like refer a new client or be the first to finish their work on their station.  Because of our payroll system those were paid out seperately from their normal paychecks, and on a different day.  After a few weeks of this the owner got so pissed at paying out this extra money (typically $150-200 total biweekly) because they would rush to the local convenience store and blow it entirely on scratchers.  Most of these guys also routinely used payday lenders to get money 2 days before their actual paycheck came through, at a cost of several hundred dollars in fees and interest per month.

Malkynn

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Re: 13 minutes of Antimustachian cringe
« Reply #5 on: May 21, 2019, 05:36:01 AM »
^ I live in the land of the payday loan shops. Literally every single block on the main street has 1-3 payday loan places and at least 1 pawn shop. The city had to enact bylaws preventing any more payday loan places from moving in to the neighbourhood.
This is the least wealthy area of the city.

I can't fathom the level of demand to support literally dozens of payday loan shops. There are more payday loan places here than convenience stores, gas stations, and grocery stores COMBINED.

That's SO MANY customers. It blows my mind.

nereo

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Re: 13 minutes of Antimustachian cringe
« Reply #6 on: May 21, 2019, 06:39:16 AM »
^ I live in the land of the payday loan shops. Literally every single block on the main street has 1-3 payday loan places and at least 1 pawn shop. The city had to enact bylaws preventing any more payday loan places from moving in to the neighbourhood.
This is the least wealthy area of the city.

I can't fathom the level of demand to support literally dozens of payday loan shops. There are more payday loan places here than convenience stores, gas stations, and grocery stores COMBINED.

That's SO MANY customers. It blows my mind.

We actually tried to see if we could enact some change for our workers and get them to stop using the payday loan places, because we knew they were taking a not-unsubstantial amount from their total salary each month.  We had a rep from the local bank come in and since the business was also a client of the bank they offered them all fee-free checking accounts with no minimum as long as they did direct deposit.  Every one of them declined, because "...then we have to wait til Friday to get our money".

It was rather shocking how deep these predatory lenders had their hooks in their psyche.

nouveauRiche

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Re: 13 minutes of Antimustachian cringe
« Reply #7 on: May 21, 2019, 10:19:37 AM »
^ I live in the land of the payday loan shops. Literally every single block on the main street has 1-3 payday loan places and at least 1 pawn shop. The city had to enact bylaws preventing any more payday loan places from moving in to the neighbourhood.
This is the least wealthy area of the city.

I can't fathom the level of demand to support literally dozens of payday loan shops. There are more payday loan places here than convenience stores, gas stations, and grocery stores COMBINED.

That's SO MANY customers. It blows my mind.

We actually tried to see if we could enact some change for our workers and get them to stop using the payday loan places, because we knew they were taking a not-unsubstantial amount from their total salary each month.  We had a rep from the local bank come in and since the business was also a client of the bank they offered them all fee-free checking accounts with no minimum as long as they did direct deposit.  Every one of them declined, because "...then we have to wait til Friday to get our money".

It was rather shocking how deep these predatory lenders had their hooks in their psyche.

A fool and his money...

nereo

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Re: 13 minutes of Antimustachian cringe
« Reply #8 on: May 21, 2019, 10:51:21 AM »

A fool and his money...
It's easy to write this off as 'stupid people (or fools)'  but there was a lot of cultural bias and economic class factors at work.  It's easy to critical, harder to enact change. Its not that different from the majority of middle-class America that won't drive older, beat-up cars, so instead they fork out $10k/year to drive newish vehicles while having little to no savings.  From an outsider it's bats&*t insane - but to them it's 'normal', and the rationalizations are just as powerful.

GuitarStv

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Re: 13 minutes of Antimustachian cringe
« Reply #9 on: May 21, 2019, 12:06:29 PM »
I think my favourite is the guy who buys expensive stocks as status symbols and sells then once they're cheap and unimpressive.

My favorite is the guy who used socks for toilet paper.

Cottony soft!

slugline

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Re: 13 minutes of Antimustachian cringe
« Reply #10 on: May 21, 2019, 12:17:15 PM »
I'm impressed that someone is getting that many views on videos that are just screenshots of Reddit with text-to-speech voiceover. I guess time spent on social media isn't always a waste!

cloudsail

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Re: 13 minutes of Antimustachian cringe
« Reply #11 on: May 21, 2019, 01:55:01 PM »
^ I live in the land of the payday loan shops. Literally every single block on the main street has 1-3 payday loan places and at least 1 pawn shop. The city had to enact bylaws preventing any more payday loan places from moving in to the neighbourhood.
This is the least wealthy area of the city.

I can't fathom the level of demand to support literally dozens of payday loan shops. There are more payday loan places here than convenience stores, gas stations, and grocery stores COMBINED.

That's SO MANY customers. It blows my mind.

We actually tried to see if we could enact some change for our workers and get them to stop using the payday loan places, because we knew they were taking a not-unsubstantial amount from their total salary each month.  We had a rep from the local bank come in and since the business was also a client of the bank they offered them all fee-free checking accounts with no minimum as long as they did direct deposit.  Every one of them declined, because "...then we have to wait til Friday to get our money".

It was rather shocking how deep these predatory lenders had their hooks in their psyche.

This is just..... incomprehensible to me. Do they not understand that if they wait a few days, they will have hundreds of dollars more? How can anyone not understand this???

JAYSLOL

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Re: 13 minutes of Antimustachian cringe
« Reply #12 on: May 21, 2019, 02:31:57 PM »
I think my favourite is the guy who buys expensive stocks as status symbols and sells then once they're cheap and unimpressive.

My favorite is the guy who used socks for toilet paper.

Cottony soft!

Hmm, that depends.  Seems to me the kind of person that uses socks at toilet paper would also be the kind of guy that would use the toilet and then just remove a dirty sock from their feet to take care of business rather than have a nice set of clean socks ready to go in the bathroom...

GuitarStv

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Re: 13 minutes of Antimustachian cringe
« Reply #13 on: May 21, 2019, 07:25:38 PM »
I think my favourite is the guy who buys expensive stocks as status symbols and sells then once they're cheap and unimpressive.

My favorite is the guy who used socks for toilet paper.

Cottony soft!

Hmm, that depends.  Seems to me the kind of person that uses socks at toilet paper would also be the kind of guy that would use the toilet and then just remove a dirty sock from their feet to take care of business rather than have a nice set of clean socks ready to go in the bathroom...

I suppose.   Of course, a true mustachian has no need of toilet paper at all assuming there's a shower head in the washroom.  :P

Gremlin

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Re: 13 minutes of Antimustachian cringe
« Reply #14 on: May 21, 2019, 07:41:59 PM »
I think my favourite is the guy who buys expensive stocks as status symbols and sells then once they're cheap and unimpressive.

My favorite is the guy who used socks for toilet paper.

Cottony soft!

Hmm, that depends.  Seems to me the kind of person that uses socks at toilet paper would also be the kind of guy that would use the toilet and then just remove a dirty sock from their feet to take care of business rather than have a nice set of clean socks ready to go in the bathroom...

I suppose.   Of course, a true mustachian has no need of toilet paper at all assuming there's a shower head in the washroom.  :P

Really?  Think of the cost of the water that you are literally flushing down the drain.

A TRUE mustachian just finds a quiet spot in the backyard and a tree with a few too many leaves...  :P

EricL

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Re: 13 minutes of Antimustachian cringe
« Reply #15 on: May 21, 2019, 08:01:53 PM »
The one I associated best with were the Soldiers pissing their money away on expensive cars and booze.  I was blessed when I joined back in the day because the Army didn't used to allow junior enlisted Soldiers to own cars or marry.  Booze on the other hand...

DadJokes

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Re: 13 minutes of Antimustachian cringe
« Reply #16 on: May 22, 2019, 07:33:03 AM »
The one I associated best with were the Soldiers pissing their money away on expensive cars and booze.  I was blessed when I joined back in the day because the Army didn't used to allow junior enlisted Soldiers to own cars or marry.  Booze on the other hand...

I lived in a military barracks with a $20k motorcycle and a $1,500 gaming computer, so I can certainly relate to that post. I at least rode the bike as my main mode of transportation for six years before selling it for about half of what I paid.

jinga nation

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Re: 13 minutes of Antimustachian cringe
« Reply #17 on: May 22, 2019, 10:05:50 AM »
The one I associated best with were the Soldiers pissing their money away on expensive cars and booze.  I was blessed when I joined back in the day because the Army didn't used to allow junior enlisted Soldiers to own cars or marry.  Booze on the other hand...

I lived in a military barracks with a $20k motorcycle and a $1,500 gaming computer, so I can certainly relate to that post. I at least rode the bike as my main mode of transportation for six years before selling it for about half of what I paid.

Same thing I heard in my first full-time engineering job.
Don't get married, play the field (from older women engineers as well as men)
Buy a big truck or fast car.
Work hard, party harder, gym is for losers.

Fortunately my BS radar rejected/attenuated the spurious noise signals. I hate the 3rd person/order harmonics, sometimes 2nd too.

UndergroundDaytimeDad

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Re: 13 minutes of Antimustachian cringe
« Reply #18 on: May 22, 2019, 10:23:20 AM »
^ I live in the land of the payday loan shops. Literally every single block on the main street has 1-3 payday loan places and at least 1 pawn shop. The city had to enact bylaws preventing any more payday loan places from moving in to the neighbourhood.
This is the least wealthy area of the city.

I can't fathom the level of demand to support literally dozens of payday loan shops. There are more payday loan places here than convenience stores, gas stations, and grocery stores COMBINED.

That's SO MANY customers. It blows my mind.

I think it was a CBC documentary or a segment on a CTV (canadian tv company) consumer reports show, but the number that stuck with me was 12.  Could be off and certainly the economics changes, but only 12 people stuck in a debt spiral was enough to keep the typical Toronto area payday loan place in the black. 

EricL

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Re: 13 minutes of Antimustachian cringe
« Reply #19 on: May 22, 2019, 11:35:36 AM »
^ I live in the land of the payday loan shops. Literally every single block on the main street has 1-3 payday loan places and at least 1 pawn shop. The city had to enact bylaws preventing any more payday loan places from moving in to the neighbourhood.
This is the least wealthy area of the city.

I can't fathom the level of demand to support literally dozens of payday loan shops. There are more payday loan places here than convenience stores, gas stations, and grocery stores COMBINED.

That's SO MANY customers. It blows my mind.

I think it was a CBC documentary or a segment on a CTV (canadian tv company) consumer reports show, but the number that stuck with me was 12.  Could be off and certainly the economics changes, but only 12 people stuck in a debt spiral was enough to keep the typical Toronto area payday loan place in the black.

I almost forgot.  Payday loan shops are ubiquitous around military bases.  We had Soldiers taking absurd loans from them at 60% interest.  The most despicable part were that they were often ran or employed former Soldiers and family members.  One day I received a call asking about a Soldier from a creditor.  I asked around the office and the troops there told me "Him?  He's gone.  He had a high maintenance wife and took out a bunch of loans he couldn't pay.  He took to robbing banks to pay them off and went to jail."

Wrenchturner

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Re: 13 minutes of Antimustachian cringe
« Reply #20 on: May 27, 2019, 09:34:09 PM »
I guess I shouldn't feel so bad about drivers tailgating in congested rush hour when so many people do the financial equivalent with their paychecks. 

A co-worker of a co-worker apparently would spend $1500 a month on lottery tickets because he "wanted to retire someday"...

Edit: on the subject of scratch tickets: I worked for a convenience store when I was between college terms, and I realized that you could just expose the barcode and scan the ticket to see if you won.  There isn't even a game there, I thought.  Between that and the few lessons I learned in my upbringing I knew never to buy lottery tickets.
« Last Edit: May 27, 2019, 09:36:17 PM by Wrenchturner »

talltexan

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Re: 13 minutes of Antimustachian cringe
« Reply #21 on: May 28, 2019, 01:31:48 PM »
I think my favourite is the guy who buys expensive stocks as status symbols and sells then once they're cheap and unimpressive.

My favorite is the guy who used socks for toilet paper.

Cottony soft!

Hmm, that depends.  Seems to me the kind of person that uses socks at toilet paper would also be the kind of guy that would use the toilet and then just remove a dirty sock from their feet to take care of business rather than have a nice set of clean socks ready to go in the bathroom...

I suppose.   Of course, a true mustachian has no need of toilet paper at all assuming there's a shower head in the washroom.  :P

Dude, you totally need to take that over to the "extreme discomfort" thread. Those people are freaks!

PDXTabs

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Re: 13 minutes of Antimustachian cringe
« Reply #22 on: May 28, 2019, 09:44:24 PM »
A co-worker of a co-worker apparently would spend $1500 a month on lottery tickets because he "wanted to retire someday"...

That's almost exactly what I put in my 401k because I want to retire someday...

nereo

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Re: 13 minutes of Antimustachian cringe
« Reply #23 on: May 29, 2019, 02:57:31 AM »
A co-worker of a co-worker apparently would spend $1500 a month on lottery tickets because he "wanted to retire someday"...

That's almost exactly what I put in my 401k because I want to retire someday...

Imagine if you could put $1500 worth of scratchers into your 401(k) each month... and if you couldn't know their value until you retired.
"Well I stop work next month and we're really curious whether we'll be moving in with our kids or buying our own private island - I've got almost a quarter-million dollars in scratchers, hoping for at least one of those to be a big payout!

jinga nation

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Re: 13 minutes of Antimustachian cringe
« Reply #24 on: May 29, 2019, 06:20:36 AM »
A co-worker of a co-worker apparently would spend $1500 a month on lottery tickets because he "wanted to retire someday"...

That's almost exactly what I put in my 401k because I want to retire someday...

Imagine if you could put $1500 worth of scratchers into your 401(k) each month... and if you couldn't know their value until you retired.
"Well I stop work next month and we're really curious whether we'll be moving in with our kids or buying our own private island - I've got almost a quarter-million dollars in scratchers, hoping for at least one of those to be a big payout!

Y'all don't get it.
Why would that person want some stranger to gamble it on the stock market when they can just invest it themselves in a broader lottery system with a guaranteed return for the the winner, and save on advisor, management, and fund fees?
After all, DIY is what America was built on.

/s

Nicholas Carter

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Re: 13 minutes of Antimustachian cringe
« Reply #25 on: May 31, 2019, 12:45:54 PM »

This is just..... incomprehensible to me. Do they not understand that if they wait a few days, they will have hundreds of dollars more? How can anyone not understand this???
Because the power bill is due on Wednesday, they're gonna turn that off if its late again. And landlord says Thursday makes four days late, so the penalty for paying on Friday is 200 bucks. And there's no food in the house for the baby...
When I was 22, i had a bank account that was always negative, because I only made about 150 a week and lended money with my heart instead of a calculator. My bank actively encouraged me to bounce checks, because a 10 dollar negative balance meant a 40 dollar fee.

MustacheBeginner

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Re: 13 minutes of Antimustachian cringe
« Reply #26 on: June 18, 2019, 10:37:25 AM »
Wow amazing, my mind is blown.
I mean wow.