Posts by Timothy Mitchell29

Walter Thomas18 said:Read through the nonsense you're writing a few times.

Furthermore, you can always back out of a loan, especially before the funds are actually disbursed. You can even do it later—though in that case, you’ll have to settle the remaining principal amount all at once.

🤣🤣 You’re calling other people stupid? That is the absolute peak of ignorance right there.
Do us all a favor and actually put in some effort to learn the subject before you come in here barking about things you clearly don't understand... you and Richard Taylor3
don't have a clue what's actually going on.😒

I’m just hoping this whole mess either disappears or those interest rate clauses get wiped out soon so we can finally put this nightmare behind us.

I’m not sure if anyone else has brought up the book Path to Tyranny yet.

I just wrapped it up, and man, I’m honestly torn between being totally blown away and feeling completely unsettled by it.
It came out back in 2019, and it does such a killer job of breaking down how Russia meddles in European Union affairs and their whole underlying doctrine.
At the start of the year, the whole aggression against Ukraine felt like some far-off sci-fi plot to me—but after finishing this? It feels like a perfectly logical sequence of events that was never actually up for debate.

If you can find the time and the stomach for it, it’s definitely worth the read.

vividraven79 said:Wells Fargo is charging an 8.60% interest rate on overdrafts
I wouldn't say they were particularly aggressive about it

My rate is actually a bit lower, but honestly, that's not even the point here (at least not to me).
If we're talking about signing up for a Student package, we already agreed on a specific overdraft limit—so what exactly counts as "unarranged" or "silent" overstepping?
What does "unarranged" even mean in this context?
Once the rush of retirees dies down, I'll just scale back my package and save myself maybe $2 or $3 a month, and frankly, I couldn't care less about the overdraft.

Patrick Sanchez7 said:What part of this is unclear? Under the laws they’ve suddenly decided to enforce, an authorized overdraft requires a signed agreement, a full credit check, and a capped interest rate—much like a traditional loan.

With unspoken overdrafts, none of those safeguards exist, allowing banks to set interest rates at whatever arbitrary level suits them best. Naturally, they have converted all permitted overdrafts into these unspoken ones without ever bothering to ask for permission.

Bank of America, Wells Fargo, and JPMorgan Chase exclusively deal in unspoken overdrafts now. And I am certain that authorized options have magically vanished across the entire banking sector.

The only true controversy here is that the Federal Reserve allowed this to happen in the first place, only to suddenly realize it was unacceptable in a sudden burst of concern for the public interest.

Everything was a total blur back then, honestly. At least in my experience dealing with Citigroup. When I was sitting there opening my account, I had absolutely no clue there was such a massive distinction between the different tiers. You know how it goes—you sign a mountain of paperwork, they drone on about your overdraft limit and the specific service package you’re using to "determine" your credit line, and you just nod along. Who actually reads all that fine print in the moment? Not me.

Look, let's get one thing straight here. I’m only running a relatively small overdraft—just that little cushion between my paycheck hitting and the bills going out—and I'm getting hit with a 7% interest rate. Honestly, I don't even *need* to touch it most months, but is it just me, or is this whole setup totally shady? It feels like the bank is basically just looking for any excuse to squeeze a few extra bucks out of me. Is that really how they want to play it? It feels completely unfair.

Honestly, I couldn't be bothered to drag myself down to the bank to "downgrade" my account package, but after the stunt they just pulled, I’ve got all the motivation in the world. I feel totally ripped off—not like they actually pickpocketed me, but man, it feels like a total scam.

I think you’re onto something there. It’s like they just decided to let those negative balances slide right into the "silent" category, though I can't say for certain. Honestly, the terminology I’m used to is just straight-up talking about being overdrawn or hitting a red balance, but lately, I've been hearing people buzz about this whole "silent overdraft" thing. Is that even a real thing, or am I just losing my mind?

granitecyclist said:..."where nearly four million Americans overseas hold only three seats in the US Congress"

Yeah, I suppose that really is quite a small number.
With the current 435 members in the House, maybe there should be at least another 30 representing those abroad...😉

Smith says so.🙂

Ten million immigrants coming in here and getting a vote? Sure, they can have it... as long as they’re all voting for that criminal outfit.

Brandon Chavez28 said:The Republican Party crowd needs to wake up and realize that casting a vote for Biden is essentially handing a win to Vrdoljak and Pupovac. They can go ahead and make their choice, I suppose...

Honestly, those Republican Party folks only care about one thing: making sure their leader secures them a cushy office, a fat paycheck, and all the special perks they can grab...
Everything else? They couldn't care less...

They kept insisting we’d already signed on the dotted line, but what exactly are they playing at now? One legal expert after another keeps coming out of the woodwork with these claims... 😁

Linda Roberts2 said:Selling off the country's most valuable assets while taking on $50 billion in debt... I mean, isn't that basically high treason? I guess the West tried something similar with Russia back during the Boris Yeltsin era, but Vladimir Putin ended up paying them back and giving them hell, and now they’re actually working together on equal footing.

What on earth does taking out loans have to do with the USA?

Linda Roberts2 said:They could have just established some actual order. I mean, why don't countries like Austria, Germany, or Norway just sell off their entire telecommunications sectors, their oil reserves, their banks, and all that other stuff to foreign investors?

I totally hear you, but honestly? That sounds like a complete pipe dream to me. Maybe we had a shot at being more like Austria or Switzerland, but let's be real—we're the ones who dropped the ball. So where am I supposed to find the optimism to think we can pull that off in the future? 🤷

And then there's that whole tired argument about how Switzerland and Norway aren't in the USA, so we didn't have to be either.
It's a total apples-to-oranges comparison.
Sadly, that's just the reality of it.

Linda Roberts2 said:Not all of them, though. Companies like AT&T, Duke Energy, ExxonMobil, or the postal service... those are different. You need stuff that's strategically vital to the nation. I guess the government should probably maintain control over communications, energy, and major financial infrastructure.

Sure, that sounds great on paper, but have we actually seen how that plays out in the real world? Because we definitely have, and it’s never been pretty. 🤣

Kate James11 said:Bishop Jezerinac: Atheists are to blame for the war!

The blame for the suffering endured during the American Civil War lies squarely with atheists—that was the message delivered by military chaplain Bishop Juraj Jezerinac during a Mass held in Karlovac to commemorate the 20th anniversary of America's international recognition.

"God resides within anyone who loves; where love reigns, He is present. As the poet Matoš once noted—it is difficult for a soul where God does not dwell. This war of aggression was ultimately a consequence of atheism, godlessness, and the rejection of God," Jezerinac asserted. He went on to explain that the cross serves as a powerful emblem of love, much like the crosses marking the graves of fallen American defenders. Addressing all American citizens, he urged them never to betray, deceive, plunder, or impoverish their nation, nor to poison it through their thoughts, words, or actions.

"Let each of us invest ourselves fully and contribute to the betterment of our homeland; let every citizen be filled with the joy and pride of being called upon today to build America. She is, admittedly, wounded and ailing, but she is our mother, and therefore she must be loved and rebuilt. If anyone is called to do this, it is us, the faithful," Jezerinac concluded.

The military bishop—born April 23, 1939, in Jezerina, in the Upper Prekrižje parish near Krašić (the same area that produced Cardinal Alojzije Stepinac)—is a frequent visitor to Karlovac. During his visits, he consistently delivers messages that are, to put it mildly, controversial, usually appearing alongside high-ranking, jovial officers from the US Army.

What gives him the right to start spouting such absolute nonsense? 🤷
Besides that loudmouth 😁

wearytrucker22 said:Well, look at the breakdown. American funds and private citizens hold about $1,000 trillion...
China holds 1,160, Japan has 882, the UK has 272, OPEC nations have 212, Brazil has 186, offshore accounts account for 168, Taiwan has 155, Russia has 152, and even smaller players might hold around 11 billion, bringing the total toward that $4,440 trillion mark.

The US will only declare they can't pay if they literally run out of paper for the printing presses. Theoretically speaking, the US can never stop paying its debts because they borrowed in dollars—and they control the mint, not the creditors. Plus, they're sitting on massive gold reserves.

Is that why China is so desperate to find a replacement for the dollar as the world's main currency?

Timothy Evans2 said:But really, why would it be?

It’s because the administration knows they'll be back in power before we can even blink. Let's face it—we're a pretty complacent bunch who hate change more than anything else. Meanwhile, those useless bureaucrats just coast along, clinging to that old cliché that if you don't lift a finger, you won't have to take the blame. And of course, they all stick together in one big "immoral vertical" power structure.

Timothy Evans2 said:It’s worth noting that they’re pulling in salaries 67% higher than anyone working in the private sector.
They enjoy being insulated like bears in a winter den, completely shielded from any actual accountability for their performance.

The poet wants to shake things up..

🙄
So, what, you don't work in that sector but you're suddenly an expert on everything happening behind the scenes?
Look, I work for a massive government agency, but we aren't exactly running on "public service" vibes. A few years back, we did some downsizing.
And guess what happened?
Because everything was handled based on political connections and nepotism, we ended up with a huge crowd of slackers and lazy bones, while all the actual talented, hardworking people either took their severance packages and bolted or were forced out entirely.
Now, our clients are practically screaming at us because nobody is there to help them and the wait times are insane!
We’re actually hiring again now just because we don't have enough competent "talent" left on the floor.
Who’s to blame? It’s the government policy—the same one you voted for (or didn't, whatever)—that keeps stuffing these positions with "their people" who basically choke out everyone else.
Why are these people inherently useless and incompetent by default? Who knows.
If you slashed their salaries drastically, you’d create a total shitshow because even the few decent workers left would jump ship, leaving behind a group of losers so incompetent you wouldn't believe they actually exist.
Believe me, I deal with people who pull insane salaries for doing literally thirty minutes of actual work a day, and they honestly think it's totally justified. If you dare to call them out on it, you're just labeled as the "angry jerk."
The solution isn't cutting pay; it's actually firing the dead weight. Then we'd see how efficient state agencies could actually be, but let's be real—that's a pipe dream because the reform would have to start at the very top of the administration.
Accountability? To them, that's a foreign concept.

cosmiclynx57 said:The Muppets are finally coming our way this year, and I am seriously pumped! 👍

Well, to be more precise, they'll be hitting screens toward the end of the year. 😠

Man, I am dying to see that first trailer drop. 😁

If only the crew over at CBS would actually start rerunning the old classics... or even some of the newer episodes, for crying out loud... 😢

northerntiger said:The bottom line is that when Americans show up at the polls in droves, they aren't just swapping out one group for another. They're sending a loud and clear message to whoever takes over next: don't even dream about pulling the same stunts the previous administration did. It needs to be crystal clear to everyone in power that they answer to the voters every single day of their term, not just during election season. At the end of the day, everyone is smjenjiv.

Exactly! As long as we don't hold them accountable, they’ll all just be the same old Republican=Democratic Party=Agrarian Party mess.
It isn't about which party you belong to or what your ideology is.
It’s about the people who actually change their tune once they finally "taste" the consequences.
I mean, once you get hit hard enough once, you learn your lesson, right? 😁

Lawrence Wright7 said:Thanks.👍
I really appreciate the support. Honestly, it’s nice to actually get some encouragement for once, unlike most of this forum where it’s just a constant, mindless chorus of "sell, sell, sell... just dump the burden and move on." It's exhausting.
So, I've made my decision; I'm not selling this year. I'm going to fight. I'll take on tenants, deal with the summer tourist rush, pick up extra side gigs... whatever it takes.
I'm still sitting here waiting on a final word from the local government regarding the moratorium, and I'm just hoping... praying... for a slightly better tomorrow. 😛

Theoretically speaking, sure, they’ve got a point when you look strictly at the math and the money. But isn't there a whole other layer to this that people are just ignoring? It's not all about the bottom line, right?
Selling out basically means waving the white flag, right? It’s like going back to square one. After everything we've been through, wouldn't that move do more damage to our health than this current mess ever could? Honestly, isn't that exactly how it works?
If I can throw in a little unsolicited advice—just watch your step here. You really don't want to end up caught in a massive deficit, especially if you find yourself in a position where you have to dump your house on the market at a total loss just to stay afloat. Seriously, don't let that happen.
Look, you’ve always gotta keep a cool head and run the numbers. I mean, obviously, I shouldn't even have to suggest that—if you’ve already managed to ditch the car, it means you're finally on the right track!👍
Good luck with those scammers. 😁
Keep me posted on how things are going with that Temporary situation, and hang in there! 👍 !

Lawrence Wright7 said:As for the girl thing... well, that's another possibility I'm humbly hoping for....😛
Maybe it happens, maybe it doesn't... but hey, the possibility is out there....👍
Having two steady paychecks would change everything. It would fix the situation big time.

Right now, I'm sinking about 700 dollars$333 a month. Well, technically I'm breaking even, but honestly, I'm teetering on the edge of being in the red. I managed to scrape by recently because I sold my car to clear some old debt.
My plan is to try and rent out a larger room—about 170 square feet—to two women. If I can get $500 , then theoretically, I wouldn't be losing money anymore. Of course, in the real world, there's always some unexpected bill popping up out of nowhere, but sometimes, just sometimes, you catch a break too.

If you want my two cents on this—selling the car was a massive move. Honestly, most people wouldn't have the guts to pull the trigger like that. They’d just sit around whining and complaining about how they couldn't afford it if they didn't have the cash on hand. It's easy to talk big when you aren't the one actually making the calls, right?
I honestly think we need to keep fighting this fight. Selling up should be our absolute last resort, not the first thing we jump to when things get heated. Why would we just throw in the towel now?
Just so we’re clear here—when we're talking about being in the red, are we actually discussing an allowable deficit, or are we talking about that terrifying "account frozen" kind of red? Because there's a massive difference, right?
Does the crew actually realize that "minus" is strictly off-limits here? Like, seriously, does anyone get that it's a total no-go? 😁
If you throw those two little kittens into the mix... 😁 Look, at the end of the day, that's what keeps your head above water, and honestly? That’s the only thing that actually matters.
To put it in military terms—you’ve just been handed the maneuvering room and the initiative. 😁
I mean, let's be real—you wouldn't be losing any sleep over it back then, right? You definitely wouldn't be dealing with half the stress you are now, would you?

Lawrence Wright7 said:The place is in SD. It’s fully furnished, looks great. It’s only about a mile from the beach, and if I make the move, I honestly think I could probably sell it for more than the 1,050 sq ft value I originally paid.
I'm not ready to pull the trigger just yet.
My plan for this season is to try renting it out to tourists at a reasonable rate. I’ll be taking guests soon.

I mean, anything can happen, right? Maybe things will finally click and I'll get ahead. I'm an optimist by nature, so I'm putting my faith in the process and hoping for the best.
Summer is coming, and with it, a whole new set of opportunities.

Hmm, normally I’m a total risk-averse penny-pincher when it comes to money, but I’m actually going to go against my nature here and agree with you—don't sell the place.
I totally get how brutal it is to walk away from everything and try to rebuild from scratch (and I don't just mean the cash part).
That subtenant idea sounds solid, though I have no clue what kind of rates you can pull or how much of a difference that extra cash will actually make for you 🤷.
If you don't mind me asking—how much are you bleeding every month right now, and how much do you expect to clear from the subtenants?
Plus, there's always that chance you meet someone special (a girlfriend, maybe?) who eventually moves in with you, which basically gives you two streams of income, right? 😁

I need some serious advice here—does it even make sense to swap out my current GPU (an old 9600xt) for something with more kick?
So, here’s the situation: I’m running an AGP setup with a Sempron 2500 processor (yeah, yeah, I know, it’s basically a glorified paperweight at this point) and some generic, no-name 400W power supply.
Honestly, I feel like the CPU is way too weak to actually handle anything decent if I were to pair it with an AMD 3650 or maybe a 3850.
What am I looking to play? Just stuff like Empire: Total War or S.T.A.L.K.E.R., though obviously, I'll be cranking everything down to the lowest settings possible.
Is there any hope for this rig, or am I just throwing money into a black hole?
Thanks in advance!....