Posts by James Rogers53

David Jackson4 said:The real issue here is that most people nowadays don't seem to grasp that any money you pull from a bank is essentially just a loan—a totally legal one, mind you—that you're eventually going to have to pay back.
So, just to build on what was said earlier; this guy started out by opening an account at Bank of America, ended up overdrawn, and then the teller (whatever her actual job title was) basically played some power move, claiming they’d already flagged his account before he could even talk to a lawyer, and told him he better come in to work out a deal.
And let's not forget that Bank of America, or rather the whole group, reported some pretty massive losses last year.
I'd say you should steer clear of banks that arbitrarily hike or lower your overdraft limits on your checking account (think Chase or Bank of America...) because when you sign those papers, you're basically giving them permission to grab whatever they need if you hit that unauthorized negative balance. And honestly, believe me when I say they couldn't care less if you were out on medical leave for the last two months and had a smaller paycheck; all they care about is getting their money back, along with all that interest they "lent" you.

Bank of America—specifically the Societe Generale group in the USA—wasn't operating at a loss.

Also, I don't get people who live off overdrafts. If you have a salary of, say, $1333 and it isn't enough, sure, you might manage to pull another $167 for the next eight months, but after that, you'll HAVE to live off $1267 because you're busy paying interest.
Then you'll suddenly find yourself able to live on that amount, even though you couldn't eight months ago.

So, who's actually being irrational here? Then you complain about getting ripped off. An overdraft is meant for an emergency when things get tight, not as a way to artificially inflate your monthly income...

Personally, I wouldn't lend a dime to anyone in that crowd using overdrafts to carry 12-13% annual interest. That's just too low a rate for the kind of risk they're taking.

Brandon Smith48 said:Look, here’s my take—I’ve tried dieting more times than I can count, usually just pushing it off until tomorrow. My routine goes like this... Breakfast is two slices of bread with some spread, maybe chocolate hazelnut stuff or whatever. If you need a sugar fix, just eat it before noon. Lunch is normal, though I try to cut out the bread. It feels weird at first, like something's missing, but after a week, it settles down. Then around 5 or 6 PM, I have a snack. Usually something like a 300-calorie cookie, or maybe a pastry if it isn't too heavy. That’s basically it. I know, resisting food in the evening is tough, but you get used to it. Most importantly, drink about 2 liters of water a day. That shouldn't be the hard part—just keep a water bottle with you. I stick to that pretty strictly during the school week, though I let myself slide a bit on the weekends. Not too much, though. I managed to drop maybe 5 or 6 pounds in a few weeks doing this, even with the weekend breaks. Honestly, it's not a huge deal if you can just push through those first two days; the next three or four aren't as bad. When you feel like giving in, just remember: you could eat this and gain weight, or you could skip it and lose weight. Just try to picture yourself a few pounds lighter. That's all there is to it. 🙂

This is a great way to lose everything that makes your body actually look like something. It doesn't matter how many pounds you drop; that number doesn't really mean anything.

You could weigh 200 pounds and look like this: http://manvsdebt.com/wp-content/uplo...t-1024x681.jpg
or weigh the exact same 200 pounds and look like this:
http://manvsdebt.com/wp-content/uplo...t-1024x681.jpg

I used guys for the photos because they're easier to find, but it applies to women too.
Those hot women with the perfect curves and figures don't get that way by eating two slices of bread and a tiny yogurt a day—they eat what they need, when they need it.
And most importantly, they WORK OUT. Something women—and you, based on your post—don't seem to consider.
That's why you'll probably never be "hot," just average. In a few years, people will look at you and wonder if they'd pay $10,000 just to turn your head. Probably not.

neontinker5 said:Given how the ingredients in MusclePharm from MusclePharm work;

Buddy, people usually take a break from it after a while because of the creatine.
Does that apply to this product too, or just when you're taking pure creatine?

creatine 🤣 they mean creatine

you don't need a break 🙂

So there aren't any interest charges or fees involved? If I'm reading this right, what exactly makes it a "free" loan then?😕

Does anyone happen to know how to change the folder view permanently? I want my folders to stay set to tiles and sorted in ascending order,
but Windows keeps resetting everything back to its default settings like I'm some kind of idiot. It's frustrating. 😠😠

Michael Jackson62 said:apparently they're planning to drop a new Saw movie every single Halloween as long as the holiday stays around. 🙂

🙂

Wait, are you actually serious? 😁 I mean, personally, I'm down—even if I can't even remember the plot of any of them anymore. 😁

First off, the ticket was $13. Like, what? I usually just pay 22 bucks.

Second—regarding the 3D—there were maybe three scenes where you could actually tell it was 3D. It felt pretty pointless.

The movie is basically just a horror flick trying too hard to scare you with loud noises. 🙄

Anyway, my rating is a 2/10. If that’s your thing, go ahead, but I wouldn't recommend it.

Sandra Clark29 said:What exactly am I supposed to bring to the table? If we’re talking about what a guy needs—well, I guess I have plenty of that to spare, thanks. And for the record, I don't weigh 250 pounds. Though, honestly, I’d probably date someone in that weight range—looks aren't everything, I suppose. As for bad genetics, I don't recall ever complaining about those.
Look, please just stop trying to post here—I really don't have the energy to argue with people who are being rude and difficult. Save your wisdom for somewhere else. 👋

Sandra Clark29 said:What exactly am I supposed to bring to the table? Honestly—if we’re talking about the same things—I’ve got plenty of that to go around, thanks. And for the record, I don't weigh 250 pounds. I'd probably give some guy who does weigh 250 pounds a chance—looks aren't everything, I guess. As for bad genetics... I don't recall ever complaining about those.
Look, please just stop trying to post here—I have zero interest in arguing with rude and unpleasant people. Take your wisdom somewhere else. 👋

A guy at 250 pounds... I guess that’s basically the same as a woman being 175. Maybe.
Look, maybe I went a bit overboard—but I guess what’s a 100 on a guy is more like an 80 on a woman.

So you say you're 180 pounds—and you're a woman, too, so... less muscle mass, I guess. Basically, the conclusion is that you've just got soft edges everywhere. Whether you admit it or not, at 168 cm and 180 pounds, you aren't exactly "curvy"—you're more like a walking fat bomb—especially if you're naked.

As for whether you're getting turned on or not—I don't doubt it for a second. A lot of guys fall for that kind of thing.

P.S. As long as you’re following advice like "just try Pilates," "do some yoga," or "hop on the StairMaster for ten minutes without breaking a sweat"—well, you're going to stay exactly where you are. That pastry is still going straight to your waist, even if it's the only thing you eat all day. I guess it just works that way.

I agree—looks aren't everything, but they’re still a massive hurdle. Otherwise, she wouldn't have even bothered trying to take off her coat.

And of course, I'm done wasting my breath giving you advice—I'll just leave you to your "expert coach" and that brain of yours. It’s clearly in the same condition as your body—which, in my case, would be a compliment, but for you... well, you get it.

Are you seriously dragging out one single donut for eight hours?

Look, you have to get it through your head—progress is maybe 10% working out and 90% what you eat. And from what I can see, your diet is nonexistent.
Starving your body for eight hours on just one pastry? I guess your metabolism is about as fast as a pregnant turtle.

Eat at least five meals a day, stop obsessing over every single calorie, and quit slacking off at the gym. If you're on the treadmill or the stair climber, you need to keep your heart rate at 70-80 percent—or around 130-140 bpm on the elliptical. Of course, once you realize how hard it actually is to maintain that intensity for thirty minutes, you’ll probably just quit.
And then, naturally, there's the complaining—how you have bad genes, how you barely eat, and why you can't lose weight. It might make you feel better, but honestly, you aren't going to get results, much like how you wouldn't want to date someone weighing 260 pounds who uses those same excuses.

Best,

Look, can you just give me the gist of what you're talking about? I really don't have the bandwidth to slog through sixteen pages of this—maybe just 10 to 20 sentences so I can get a sense of your argument. Honestly, if you did that, you might actually reach more people... I think most folks just don't have the time to dive into something that long.

btw. I'm a fan of sci-fi novels about the end of the world and disaster movies.😁😁

Jeffrey Sanchez7 said:It feels like you're falling back into that small-minded way of thinking again. Angel Investors are typically established individuals who genuinely want to lift others up and invest in new ideas out of goodwill. They aren't just throwing money at things; they are investing their years of high-level consulting expertise and hard-earned wisdom.

At the end of the day, some people are driven by a desire to build up the community, while others are just looking at the bottom line.

😂😂😂 Look, I haven't hit my 20s yet, so maybe I'm still too much of an idealist—believe me, for them, it's all about the money. If there wasn't a payoff, they wouldn't bother.
It sounds great on paper—they give you seed capital, experience, a network—but you end up paying a massive premium for it in the end.

Staying on topic

I don't think I could sell an idea to anyone. If you have a solid business plan, sure, but just like this... I'm just saying, IMHO, don't get mad.

Ideas are everywhere—just like people, I guess. You can find them anywhere if you look hard enough. If you're selling something substantial, like a fully fleshed-out business plan where everything is actually worked out properly, then maybe you've got something worth money. But just ideas? Nobody's cutting you a check for those.

don't bother watching... kind of a waste $8.25

Look, I'm not saying dairy is the root of all evil, but more and more nutritionists are starting to push back against it—so I'm being cautious myself. It’s not like we’re going to solve the mystery here, believe me. Whether milk is actually "healthy" or not is one thing, but I’m assuming—hopefully—that having it in reasonable amounts shouldn't mess with anyone's development...

northerncobra27, fine, you caught me. I'll just grab a Coke or a Fanta when I'm at AMC. I mean, what's the point of going to the movies without the popcorn, a mountain of salt, and a soda designed to make you thirstier with every sip?

It’s easy enough to just mention Japan. In Japan, the ratio is about 1:10.
According to this study I found via Google, it says "26% of parents of 4-year-old children... stated that their children had some kind of allergy disease"—can't really copy the PDF though.

http://sjp.sagepub.com/cgi/reprint/34/3/125.pdf

The research was conducted in Western Europe.

Specifically, for a Swedish person, it says 20% suffer from allergies—so that's 1:5—which isn't exactly a small gap...

As for whether milk is actually the culprit, I guess we won't know for sure... my take is that milk plays a role, among other things.

Probably stays fresh longer because of the milk content😁 It’s also pretty well known that people in places like Scandinavia are dealing with more and more allergies to all sorts of crap—meanwhile, in China or Japan where they don't really drink much milk, those issues are super rare.😁

northerncobra27

I don't touch that nasty Diet Coke😁

northerncobra27 said:So, our mystical friend started with a decent point—light products really do contain artificial sweeteners and who knows what other additives used for flavor correction, this and that. He just took information that applies to sodas and hot dogs and applied it to milk out of ignorance. He’s acting all authoritative and certain, but he clearly hasn't a clue how raw milk is actually processed. Honestly, he lost all credibility with me once he rambled about there being no label on a Diet Coke bottle, though his starting premise was somewhat convincing. Anyway, I still have no idea if things can be added to plain milk, but he's definitely gained a few loyal followers.

That's why people debate stuff. I also read that info somewhere along the line, a few people confirmed it for me, and I walked away thinking additives were being put in milk. But once someone posted actual evidence showing I was wrong, well, obviously I'll change my mind and admit the mistake—it wasn't coming from a bad place. Personally, I think I eat healthy and stick to good foods, and I'm of the opinion that today's "food" has a massive impact on our bodies, which is why I jumped into the discussion.

btw, I'm still not entirely sure if they add anything to milk or not, but those regulations shook up my perspective, so I'll leave it to someone smarter to weigh in if they actually know...😉

wiredtiger10, keep going with that "child" nonsense if you want... I guess it's not easy for you...
I have no interest in arguing with idiots—you just end up sinking to their level before they beat you down with their own "experience."

wiredtiger10 said:YEAH, SURE, AND I'LL KEEP DRINKING WATER TOO.

You're probably the first person I've met who sees a problem with just drinking water—honestly, I suspect any other topic would get the same treatment from you.

I don't know what part isn't clicking. I wake up, have two glasses of water, and then eat breakfast—usually just some Corn Flakes or muesli with milk.

So, even in this supposedly perfect morning routine, you're finding a flaw. I'm not sure if you realize that about two-thirds of the human body is water, and we all dehydrate through basic bodily functions and sweating while we sleep.

What could be healthier or more logical than hydrating after eight hours of sleep?

Answer me that.

See, now you're slowly changing your tune... you didn't mention anything about eating breakfast before, just that you drink water and feel less hungry or eat less at lunch. And you were insisting you could lose weight this way, but now you aren't saying that anymore—or maybe it's just me.
And I never said water was the issue. The issue is the idea that you'll actually drop weight just because you drink some water in the morning before you hit the bathroom and wash your face.

Well, damn... you guys finally got me.😢

I can still try to claim this is just another global conspiracy, I guess.😁