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    Originally posted by Denny Crane View Post
    Raoul Duke III Are you travelling to Lords this week?
    No, was meant to but then Mrs D3 clarified that when she said "I'll be in NYC in May", that actually meant "May and some of June" so I had to cancel.

    Are you heading over? Hopefully they get decent weather, Lords is a fairly unique place.
    "We are not Europeans. Those people on the continent are freaks."

    Comment


      I was John Malone's Wicklow castle Humewood today.

      Fuck me it was jaw dropping. Fascinating to get a glimpse.

      Would make a cracking set for a game of Cluedo.

      Not sure I'd be comfortable spending a night alone in it mind.

      Apparently he just buys these places and restores them as a hobby.

      Was chatting to some people involved in the restoration. The level of detail was astounding. You couldn't use a Phillips head screw anywhere, unless it was completely hidden. The joinery had these flat head brass screws, all pointing the same direction.

      Hand painted ceilings with incredible detail. Some lad flew in from the States to wallpaper the Billiard room and hand paint it.

      He picked the property up for buttons really at €8m, but looks like there's easily another 100 gone into it.
      I hold silver in tit for tat, and I love you for that

      Comment


        Girl i know lost her brother to this hobby. Sent on this pic from Bray. CLASS pic. 1st Bray head on the moon.

        You do not have permission to view this gallery.
        This gallery has 1 photos.

        Comment


          I decided to use the Revolut 'Pay Later' thing so I can summer grill in comfort and pay for it over the summer rather than straight up. I'm not poor, honest, but they gave me a tiny balance of €500 or so, and I was hoping that by using it they might increase it up a bit to cover e.g. when buying a laptop as the current one is making weird noises.

          Its a fine system Revolut has set up in fairness to them. However, it did take the bubble-gum-chewing young lady behind the Woodies counter to explain to me exactly how it works. From her slightly amused tone, I suspect her age cohort is deep into the Pay Later ecosystem. As it turns out you just click a button in the app and then whatever you buy within the next 15 minutes will be charged in three parts.

          The grill was €299. I paid €99 from my account, Revolut paid the remaining €200, and I have to pay back €102.50 in a months time and another €102.50 in two months. A fiver profit for the bould russkis in charge of our most innovative fintech. I suspect they are, or will be soon, minting it as Buy Now Pay Later makes loads of sense for a lot of products but also seems like far too much hassle, while they've made it ridic simple. Hard enough to see why, as a younger person, you'd go seeking out a credit card with all its hassle, if you already have that facility in your main banking app.

          They, and their ilk, are slowly eating everything.

          Also opened up a business account with them for my tentative upcoming business ventures. The accounting firm that opened the company said - you could go with Revolut and it'll take two days, or Bank of Ireland and it'll take a month - your choice. About two days later indeed the account was opened, an account manager was on the phone to see if I wanted anything in particular, bank card arrived a day later, can already accept payments through web payments and it'll also issue invoices with click-to-pay (even if the idea of someone actually paying me something is still a pipedream). For expenses, you just scan receipts or upload invoices. I suspect your standard BoI account isn't doing much of that, or wouldn't do it without a whole lot of hassle. Although maybe they do, but who's going to wait a month to find out.
          "We're not f*cking Burundi" - Big Phil

          Comment


            That's about 25% apr (34.49+15.6 blended); it's not bad in the context of payday loans, but more useful to avoid a beating from gangsters than a rational financial tool.

            Comment


              Originally posted by Wombatman View Post

              Same here. She got the full licence and here 18th birthday was next day. How you doing the insurance?
              She was insured under my own car that lapsed in April on her 18th birthday
              Bought her an 11 mazda 1.3 last year which I'm also insured on which runs out in August. I rang before she turned 18 for a quote which was 1k ffs for 5 months so didn't take it. Rang back when she turned 18 was 400 euro.
              Think going forward I'll just leave her as a name driver for now on mazda. Supervalu insurance.
              Congrats btw also. Whats story with yourselves and insurance?
              Her sky-ness
              © 5starpool

              Comment


                Originally posted by SatNav View Post
                I'm binging this at the minute.
                If you liked the walking dead then it's for you

                https://m.imdb.com/title/tt9813792/?ref_=ext_shr_lnk
                Watched a few eps of this. It's fucking Lost again. There's no way they're explaining all this.
                "I can’t find anyone who agrees with what I write or think these days, so I guess I must be getting closer to the truth." - Hunter S. Thompson

                Comment


                  Originally posted by Hectorjelly View Post
                  That's about 25% apr (34.49+15.6 blended); it's not bad in the context of payday loans, but more useful to avoid a beating from gangsters than a rational financial tool.
                  You're not allowed to take away my PhD if I say this:

                  SPOILER
                  APR is clearly a pointless measure in this context.You spent too long in nerd school.
                  "We're not f*cking Burundi" - Big Phil

                  Comment


                    So you had easy credit available and still bought a cheap barbecue that's probably useless?

                    Comment


                      Originally posted by zuutroy View Post
                      So you had easy credit available and still bought a cheap barbecue that's probably useless?
                      Hadn't quite realised the world of BBQs that was available until turning up to the shop! Man, Weber seem to have cornered the market.
                      "We're not f*cking Burundi" - Big Phil

                      Comment


                        Must say i dont get the fascination with Barbecues . Bring me out something from the kitchen . The whole tending to a barbecue thing gene has thankfully missed me .

                        Comment


                          Originally posted by Hitchhiker's Guide To... View Post

                          Hadn't quite realised the world of BBQs that was available until turning up to the shop! Man, Weber seem to have cornered the market.
                          In fairness I'd say the stuff Weber do in that price range is perfectly serviceable. Was only needling.

                          @Solks: Eat a brisket that's been cooked with a wood fire for 16 hours and you'll be converted!

                          Comment


                            Originally posted by zuutroy View Post

                            In fairness I'd say the stuff Weber do in that price range is perfectly serviceable. Was only needling.

                            @Solks: Eat a brisket that's been cooked with a wood fire for 16 hours and you'll be converted!
                            OK i'm in. Thanks . Send google maps address

                            Comment


                              Originally posted by Hitchhiker's Guide To... View Post
                              I decided to use the Revolut 'Pay Later' thing so I can summer grill in comfort and pay for it over the summer rather than straight up. I'm not poor, honest, but they gave me a tiny balance of €500 or so, and I was hoping that by using it they might increase it up a bit to cover e.g. when buying a laptop as the current one is making weird noises.

                              Its a fine system Revolut has set up in fairness to them. However, it did take the bubble-gum-chewing young lady behind the Woodies counter to explain to me exactly how it works. From her slightly amused tone, I suspect her age cohort is deep into the Pay Later ecosystem. As it turns out you just click a button in the app and then whatever you buy within the next 15 minutes will be charged in three parts.

                              The grill was €299. I paid €99 from my account, Revolut paid the remaining €200, and I have to pay back €102.50 in a months time and another €102.50 in two months. A fiver profit for the bould russkis in charge of our most innovative fintech. I suspect they are, or will be soon, minting it as Buy Now Pay Later makes loads of sense for a lot of products but also seems like far too much hassle, while they've made it ridic simple. Hard enough to see why, as a younger person, you'd go seeking out a credit card with all its hassle, if you already have that facility in your main banking app.

                              They, and their ilk, are slowly eating everything.

                              Also opened up a business account with them for my tentative upcoming business ventures. The accounting firm that opened the company said - you could go with Revolut and it'll take two days, or Bank of Ireland and it'll take a month - your choice. About two days later indeed the account was opened, an account manager was on the phone to see if I wanted anything in particular, bank card arrived a day later, can already accept payments through web payments and it'll also issue invoices with click-to-pay (even if the idea of someone actually paying me something is still a pipedream). For expenses, you just scan receipts or upload invoices. I suspect your standard BoI account isn't doing much of that, or wouldn't do it without a whole lot of hassle. Although maybe they do, but who's going to wait a month to find out.
                              Credit card is free

                              I get it though. People are insanely irrational about money.
                              E.g. the amount of people I know who don't see money as fungible, they'll borrow five figures for a lumpy purpose rather use their savings (which they could pay back in the same manner).

                              It's like reverse net interest income (zero on their savings and 10% on their loan).

                              With Pay later they probably see it as a convenience fee rather than a crippling APR

                              Comment


                                Originally posted by Denny Crane View Post

                                Credit card is free

                                I get it though. People are insanely irrational about money.
                                E.g. the amount of people I know who don't see money as fungible, they'll borrow five figures for a lumpy purpose rather use their savings (which they could pay back in the same manner).

                                It's like reverse net interest income (zero on their savings and 10% on their loan).

                                With Pay later they probably see it as a convenience fee rather than a crippling APR
                                Yeah, I think so. A credit card is maybe an undefined ongoing commitment in terms of how a lot of people run credit cards, while this is done in two payments. The repayment is forced, rather than delayable as with a credit card, so it ensures a clear end point for the borrower. I suspect its not quite wrong behaviourally in terms of managing finances, even if its clearly wrong in a fungible money sense.
                                "We're not f*cking Burundi" - Big Phil

                                Comment


                                  I guess that up to a certain age, a lot of people's financial strategy is 'muddle through'.

                                  Or as David Copperfield famously put it: "Annual income 20 pounds, annual expenditure 19 pounds 19 shillings and six pence, result happiness. Annual income 20 pounds, annual expenditure 20 pounds ought and six, result misery".

                                  I'm not sure that thinking about optimal financial strategy for that cohort is really relevant, or even all that important.

                                  Their main financial task is not to manage the money they have but to put in the training to generate decent future income.

                                  Worrying about how you perfectly manage a €20k income is almost a distraction, just Copperfield it.

                                  Once they, hopefully, start generating some sort of financial excess due to income growth then they can start strategising.
                                  "We're not f*cking Burundi" - Big Phil

                                  Comment


                                    I actually got a huge amount of money to deliver digital finance strategy classes to SMEs recently, so I will be bringing this unique and potentially disastrous take on finance (The 'pfft, who cares about correct' Finance Series) on the road to a village near you soon.
                                    "We're not f*cking Burundi" - Big Phil

                                    Comment


                                      What's the plan for gambooling in the US? Load up the Revolut card and withdraw at an ATM over there?......just in case the veil on this brag is still too thick, I need this information...because I'm going to Vegas....this week.

                                      Comment


                                        Originally posted by Hitchhiker's Guide To... View Post

                                        You're not allowed to take away my PhD if I say this:

                                        SPOILER
                                        APR is clearly a pointless measure in this context.You spent too long in nerd school.
                                        I’m interested why you think interest is a pointless measure? Without knowing anything about the specifics of the system, surely is the % is how they make their money, and as such the -EV to the punter?

                                        Comment


                                          Originally posted by Mellor View Post

                                          I’m interested why you think interest is a pointless measure? Without knowing anything about the specifics of the system, surely is the % is how they make their money, and as such the -EV to the punter?
                                          It's not pointless academically, but people don't use it to make these short-term borrowing decisions, so it makes it de facto pointless. We've been telling people for decades that APR matters, but there's oodles of information saying they just don't relate to it, except for long-term decisions. We need a simpler way of communicating, and some form of acceptance that if people keep ignoring something in certain contexts then there might be something wrong with the whole idea.

                                          Really what's happening here is people are saying they don't care about interest rates when the end result is either a total of a fiver cost or a four euro cost. They are happy to pay a convenience fee, and maybe they aren't wrong.
                                          "We're not f*cking Burundi" - Big Phil

                                          Comment


                                            I really hate giveaways that become popularity contests but Amanda Botfeld is pretty much the reason I got to live the 10k WPT dream last December. Now she's in a contest for a WSOP Main Event seat.

                                            Could anyone that's arsed please vote for her here. Tyvm.

                                            Comment


                                              There's a fair few examples of that in finance. E.g. for deciding if a business investment is a good idea there's a clearly best method called NPV. Yet, when you survey firms most use a deeply flawed method called Payback Period. They say that even though they know NPV is best, it's just too hard to explain to people for smaller decisions, so they go with the simpler method and don't mind the small losses that might occur as a result. Probably they are judging that the more complex method would add to worker cognitive load and have other productivity costs as a result.
                                              "We're not f*cking Burundi" - Big Phil

                                              Comment


                                                Originally posted by dobby View Post
                                                I really hate giveaways that become popularity contests but Amanda Botfeld is pretty much the reason I got to live the 10k WPT dream last December. Now she's in a contest for a WSOP Main Event seat.

                                                Could anyone that's arsed please vote for her here. Tyvm.

                                                Done, looks like she's a good bit behind though.

                                                Comment


                                                  If anyone's interested in going to Lankum tomorrow night in vicar Street let me know
                                                  Turning millions into thousands

                                                  Comment


                                                    Originally posted by 6starpool View Post

                                                    Done, looks like she's a good bit behind though.
                                                    Yeah, she is unfortunately. Would be great to see her get it after she sent 10 micro stakes players to the WPT. Doesn't look good tho

                                                    Comment


                                                      Interesting census results out today. Although, how the fuck it took them a year to collate some basic stats would have you wondering if the CSO is up to scratch at all. Religion stats still dropping worryingly slow given the clear lack of actual engagement with religion. The good news is that we nearly have a Dublin majority of pagans and assorted ragtime vagabonds. I guess the interesting stats will be in the detailed religion reports which might hopefully show a much higher percentage of younger people with no religion and thus a sign of things to come.



                                                      The proportion of the population who identified Roman Catholic as their religion fell from 79pc in 2016 to 69pc in 2022.

                                                      The total number of Roman Catholics fell by more than 180,000 since 2016, while the figure for people with no religion stood at 736,210, an increase of 284,269.

                                                      The Church of Ireland remained the second largest religion at 124,749, with its figures not notably rising or falling since the last Census.

                                                      Mayo had the highest proportion of Roman Catholics at 80% of the county’s population, closely followed by Tipperary, Offaly, Roscommon and Galway County, all reporting 79%.

                                                      Dublin meanwhile had the lowest, at 53pc.
                                                      "We're not f*cking Burundi" - Big Phil

                                                      Comment


                                                        About 33,000 deaths in Ireland per year, so 165,000 deaths over the time period. I wonder if that largely explains the drop in the number of Catholics. While maybe the increase in number of no religion in the country being higher than the drop in Catholics is an increase in non-religious families and the associated births.
                                                        "We're not f*cking Burundi" - Big Phil

                                                        Comment


                                                          Probably what we need is the emergence of some sort of non-religious event that is a celebration of kids around the ages of 7 and 11, to replace First Communion and Confirmation. The attractiveness of those two events probably explain the main reasons why anyone is still baptised. Could be nearly 30 years before catholicism becomes a minority practice otherwise.
                                                          "We're not f*cking Burundi" - Big Phil

                                                          Comment


                                                            Originally posted by Hitchhiker's Guide To... View Post
                                                            Interesting census results out today. Although, how the fuck it took them a year to collate some basic stats would have you wondering if the CSO is up to scratch at all. Religion stats still dropping worryingly slow given the clear lack of actual engagement with religion. The good news is that we nearly have a Dublin majority of pagans and assorted ragtime vagabonds. I guess the interesting stats will be in the detailed religion reports which might hopefully show a much higher percentage of younger people with no religion and thus a sign of things to come.


                                                            I'd say the numbers get far lower the younger you go. Over 70's is probably 95% or more, under 30 probably around 40% or lower I'd say.

                                                            For a lot of the under 50's most of these are the casual ones who don't think about it too much, get the kids baptised, communion, confirmation but don't attend mass except maybe at Christmas, just to say they have done it or because it's part of the Christmas thing for them.

                                                            If you put a direct question to most between 18-50 who filled out their own responses and said Catholic, I'd guess a large portion of these would answer a direct face to face questions of "Do you believe in god" with an answer along the lines of "I suppose so" or "Ya, but I haven't put much thought into it" or even "not really, but sure lookit".

                                                            It has fallen from 86% (I think) in 2011 to 69% now. In another 2 census time for the 2032 results, I'd expect it to be close to 50% then. Any looking at school divestitures and so on that use the census results should discount anyone without school age children (unless they themselves are one), or people over 50. Using 80 year olds beliefs to form part of reasoning for why schools should be a certain way is just silly. 79% of people identify as catholic is far from the same thing as 79% of schoolkids identify as catholic. That number is likely to be close to 50%, even including those that were identified that way by their parents but the kids don't know what it is to be religious at all.

                                                            Comment


                                                              Originally posted by Hitchhiker's Guide To... View Post
                                                              About 33,000 deaths in Ireland per year, so 165,000 deaths over the time period. I wonder if that largely explains the drop in the number of Catholics. While maybe the increase in number of no religion in the country being higher than the drop in Catholics is an increase in non-religious families and the associated births.
                                                              I'd guess there are plenty who still tick it because they don't want to not tick it basically. My wife ticked no religion this time for the first time despite my admonitions last time out. Even though they have practically no religious input into their lives, the previous conditioning, the "sure it did no harm to me" thing, and the "sure I was baptised and confirmed, that makes me catholic" people inflate these numbers a lot. If we took regular mass attendance, and even doubled it to be generous, you'd barely reach 20% I'd imagine.

                                                              Comment


                                                                Originally posted by 6starpool View Post

                                                                I'd guess there are plenty who still tick it because they don't want to not tick it basically. My wife ticked no religion this time for the first time despite my admonitions last time out. Even though they have practically no religious input into their lives, the previous conditioning, the "sure it did no harm to me" thing, and the "sure I was baptised and confirmed, that makes me catholic" people inflate these numbers a lot. If we took regular mass attendance, and even doubled it to be generous, you'd barely reach 20% I'd imagine.
                                                                Would be an interesting study - post people outside churches for every mass event for a few random weeks to count the number of attendees.

                                                                I do think, for the current generation of elderly there's a lot they get out of it, especially socially. Its just the madness of that entering into the classroom and being taught alongside, or often in place of, science or whatever. And then you see those awful things, like schools teaching sexual education using a catholic curriculum with often bizarre views told to kids.
                                                                "We're not f*cking Burundi" - Big Phil

                                                                Comment


                                                                  Was also, rather morbidly, thinking - how exactly do you have a funeral if you don't have a church as a base for 'the event'.
                                                                  "We're not f*cking Burundi" - Big Phil

                                                                  Comment


                                                                    Originally posted by Hitchhiker's Guide To... View Post
                                                                    Was also, rather morbidly, thinking - how exactly do you have a funeral if you don't have a church as a base for 'the event'.
                                                                    Let the funeral director organise that shit.

                                                                    Comment


                                                                      I was at a humanist wedding recently (majority of weddings I've been to recently have been non-catholic)

                                                                      But I found it a very overbearing ceremony. Felt like we hadn't dropped religion, we had just switched to a different type of indoctrination.
                                                                      Last edited by Denny Crane; 30-05-23, 14:18.

                                                                      Comment


                                                                        Veganism, ideological positioning on gender politics and many aspects of environmentalism are for the most part spilt religion.
                                                                        Turning millions into thousands

                                                                        Comment


                                                                          Originally posted by Denny Crane View Post
                                                                          I was at a humanist wedding recently (majority of weddings I've been to recently have been non-catholic)

                                                                          But I found it a very overbearing ceremony. Felt like we hadn't dropped religion, we had just switched to a different type of indoctrination.
                                                                          Really? I had one, and have been to a few and it's basically 10 minutes of 'aren't they lovely, everything is great, slap on the arse, off you go'. 10 years ago now...anniversary coming up...going to Vegas for it actually, just in case I didn't mention.

                                                                          Comment


                                                                            Humans are emotional organisms shocker.
                                                                            This may or may not be an original thought of my own.
                                                                            All efforts were made to make this thought original but with the abundance of thoughts in the world the originality of this thought cannot be guaranteed.
                                                                            The author is not liable for any issue arising from the platitudinous nature of this post.

                                                                            Comment


                                                                              Originally posted by Hitchhiker's Guide To... View Post
                                                                              Interesting census results out today. Although, how the fuck it took them a year to collate some basic stats would have you wondering if the CSO is up to scratch at all. Religion stats still dropping worryingly slow given the clear lack of actual engagement with religion. The good news is that we nearly have a Dublin majority of pagans and assorted ragtime vagabonds. I guess the interesting stats will be in the detailed religion reports which might hopefully show a much higher percentage of younger people with no religion and thus a sign of things to come.


                                                                              Look at those Protestants increasing their market share (albeit in a shrinking market) like a boss. Gotta keep an eye out for new disruptors like that Muslim startup though.

                                                                              Also;is Zuut going to Vegas?
                                                                              "We are not Europeans. Those people on the continent are freaks."

                                                                              Comment


                                                                                Originally posted by Hitchhiker's Guide To... View Post

                                                                                It's not pointless academically, but people don't use it to make these short-term borrowing decisions, so it makes it de facto pointless. We've been telling people for decades that APR matters, but there's oodles of information saying they just don't relate to it, except for long-term decisions. We need a simpler way of communicating, and some form of acceptance that if people keep ignoring something in certain contexts then there might be something wrong with the whole idea.

                                                                                Really what's happening here is people are saying they don't care about interest rates when the end result is either a total of a fiver cost or a four euro cost. They are happy to pay a convenience fee, and maybe they aren't wrong.
                                                                                But you bought the barbecue? What other metric apart from APR would you use to measure how good or bad the loan is?

                                                                                Your argument seems to be the equivalent of because most poker players don't use pot odds, we should do away with the whole concept altogether.

                                                                                Comment


                                                                                  Originally posted by Strewelpeter View Post
                                                                                  Veganism, ideological positioning on gender politics and many aspects of environmentalism are for the most part spilt religion.
                                                                                  And most forms of spirts fandom
                                                                                  "We are not Europeans. Those people on the continent are freaks."

                                                                                  Comment


                                                                                    Originally posted by Denny Crane View Post
                                                                                    I was at a humanist wedding recently (majority of weddings I've been to recently have been non-catholic)

                                                                                    But I found it a very overbearing ceremony. Felt like we hadn't dropped religion, we had just switched to a different type of indoctrination.
                                                                                    I had a buddy having a humanist (I think) ceremony - and he was telling us how the organizers were able to source a person who would provide them with benevolent spirits for the front row at 200 euro a seat.

                                                                                    Imagine, an empty front row you've paid 1 or 2k for.

                                                                                    I laugh but its no different to grifters pretending to be mediums contacting your dead uncle. Awful carry on.
                                                                                    This may or may not be an original thought of my own.
                                                                                    All efforts were made to make this thought original but with the abundance of thoughts in the world the originality of this thought cannot be guaranteed.
                                                                                    The author is not liable for any issue arising from the platitudinous nature of this post.

                                                                                    Comment


                                                                                      We had a humanist ceremony with zero spirituality, nor was any suggested. Definitely didn't feel like the humanist folk we engaged with had any grift going on. Maybe we were lucky, our celebrant was so good we recommended him to friends, and he married them a year or two later!

                                                                                      I've also been to a humanist funeral, the deceased was cremated so there was no need at all for a church, though the ceremony did take place in a non-denominational chapel on the grounds of one of Dublin's largest graveyards. I think there are a few similar ones around. So no need to be a churchgoer before you die, in case anyone is worried!


                                                                                      Comment


                                                                                        I want a church funeral with extended readings and extra incense . I want my coffin to hold some kettlebells in honour of the times I spent making this beautiful body I now have . Also for the offertory gifts I want my 20kg kettle bells brought up by the sisters. I want the walk from the funeral car to the top of the church to be long and arduous for the aching arms of the pall bearers. . It is only through suffering we can truly see god. I want everyone to be closer to god at my funeral. When I’m finally in the ground I want everyone to be mentally exhausted from the whole experience, so much so that they don’t bother with the afters saving my kids a fortune but instead go home to honour me in lactic pain holiness. On my Gravestone I just want a simple inscription . ‘Murdered by the illuminati’ (which will probably be true anyway) At my graveside instead of doves released I want a pigeon race as a nod to my degenerate gambling loses.

                                                                                        Comment


                                                                                          Originally posted by Hectorjelly View Post

                                                                                          But you bought the barbecue? What other metric apart from APR would you use to measure how good or bad the loan is?

                                                                                          Your argument seems to be the equivalent of because most poker players don't use pot odds, we should do away with the whole concept altogether.
                                                                                          Well lets leave me aside, as I could have just popped it on the credit card, so I'm a bad example. Most people using this wouldn't have a credit card due to youth.

                                                                                          I don't think it's a bad decision for them and turning things into an APR discussion involves telling them they are making a poor decision. Its a fiver and its convenient - they simply don't care what an annual rate is on a two month purchase agreement. They are, to use denny's phrase, paying a convenience fee rather than an APR. Thats the problem with APR, it gets applied to buckets of money that people largely don't care about. APR is for 'big money', things like your mortgage and your savings. Sure you can optimise your money even better, but you would be far better off telling people to make their lunch at home rather than buy a chicken fillet roll, if you wanted to help people save money, rather than get into APRs for small decisions.
                                                                                          "We're not f*cking Burundi" - Big Phil

                                                                                          Comment


                                                                                            Originally posted by Raoul Duke III View Post

                                                                                            Look at those Protestants increasing their market share (albeit in a shrinking market) like a boss. Gotta keep an eye out for new disruptors like that Muslim startup though.

                                                                                            Also;is Zuut going to Vegas?
                                                                                            Do you actually believe in any of that god craic though?

                                                                                            Comment


                                                                                              Originally posted by Hitchhiker's Guide To... View Post

                                                                                              Well lets leave me aside, as I could have just popped it on the credit card, so I'm a bad example. Most people using this wouldn't have a credit card due to youth.

                                                                                              I don't think it's a bad decision for them and turning things into an APR discussion involves telling them they are making a poor decision. Its a fiver and its convenient - they simply don't care what an annual rate is on a two month purchase agreement. They are, to use denny's phrase, paying a convenience fee rather than an APR. Thats the problem with APR, it gets applied to buckets of money that people largely don't care about. APR is for 'big money', things like your mortgage and your savings. Sure you can optimise your money even better, but you would be far better off telling people to make their lunch at home rather than buy a chicken fillet roll, if you wanted to help people save money, rather than get into APRs for small decisions.
                                                                                              I'm very confused about this. Obviously wasting a fiver to split up the cost on something you can afford is stupid because it's a waste of a fiver. Splitting the cost of something you can't afford is stupid because you can't afford it (and it's a waste of a fiver). You mentioned earlier that buy now pay later makes sense for certain types of purchase, I guess I've been stumped for the last few hours trying to think of a situation where payday loan rates make the idea of buying something a better idea.

                                                                                              Are you saying this is good because it makes being stupid with money more convenient? IDK I must be missing something.

                                                                                              Comment


                                                                                                Originally posted by Denny Crane View Post
                                                                                                I was at a humanist wedding recently (majority of weddings I've been to recently have been non-catholic)

                                                                                                But I found it a very overbearing ceremony. Felt like we hadn't dropped religion, we had just switched to a different type of indoctrination.
                                                                                                Had a humanist ceremony myself and been to a few others and never found that but I could see it happening- round the time of ours ended up getting a bunch of Humanist a Ireland newsletters and fuck me they were full of the most self-satisfied “I am very smart” ramblings I’ve ever seen gathered together- very offputting.
                                                                                                people who put down stuff like Jedi and church of the Flying Spaghetti Monster for religion in the census need to go on a list.
                                                                                                Will you ever fuck off with that shite... you are easily one of the worst posters on here for this-Pokerhand

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                                                                                                  Moving electricity and water power are the cheapest.

                                                                                                  Never heard of them and it seems like it's an operation run out of a man's shed.

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                                                                                                    Originally posted by Keane View Post

                                                                                                    I'm very confused about this. Obviously wasting a fiver to split up the cost on something you can afford is stupid because it's a waste of a fiver. Splitting the cost of something you can't afford is stupid because you can't afford it (and it's a waste of a fiver). You mentioned earlier that buy now pay later makes sense for certain types of purchase, I guess I've been stumped for the last few hours trying to think of a situation where payday loan rates make the idea of buying something a better idea.

                                                                                                    Are you saying this is good because it makes being stupid with money more convenient? IDK I must be missing something.
                                                                                                    Dunno, whenever I want something, I want it now.

                                                                                                    Say it's a €1k Weber. I can't afford to buy it today without upsetting outgoings. I can afford to put a few bob aside and get it in August.

                                                                                                    I'd happily pay a fiver to skip that wait.
                                                                                                    I hold silver in tit for tat, and I love you for that

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                                                                                                      Originally posted by Keane View Post

                                                                                                      I'm very confused about this. Obviously wasting a fiver to split up the cost on something you can afford is stupid because it's a waste of a fiver. Splitting the cost of something you can't afford is stupid because you can't afford it (and it's a waste of a fiver). You mentioned earlier that buy now pay later makes sense for certain types of purchase, I guess I've been stumped for the last few hours trying to think of a situation where payday loan rates make the idea of buying something a better idea.

                                                                                                      Are you saying this is good because it makes being stupid with money more convenient? IDK I must be missing something.
                                                                                                      I think you are falling into the old-man trap of thinking your current way of life makes sense for a 20-year-old. You are in the life phase where you have time and incentives to optimise your retirement income, and generally be smart with your financial decisions because others depend on it. Mistakes now will clearly and irrevocably affect your future well-being. It's not the same when you are in your 20s. The money earned then - approximately - doesn't matter. It's all about getting through while putting in the effort and training to earn proper money in your big earning years. Who cares if you decide to buy something now and spread it over a few repayments.

                                                                                                      The above perspective matters because if you then approach someone in that age group and say that what they are doing 'makes being stupid with money more convenient', good luck with the rest of that conversation. They know it doesn't matter. Nearly all money is wasted at that age, who cares. They also learn a bit, without serious consequences, about the responsibilities of debt. They'll just be baffled that someone like you cares so much that what they are doing is wrong.

                                                                                                      Ye are all right that APR is correct. Ye are just wrong that it matters to be precisely correct all the time.
                                                                                                      "We're not f*cking Burundi" - Big Phil

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                                                                                                        Originally posted by 6starpool View Post

                                                                                                        Do you actually believe in any of that god craic though?
                                                                                                        Well of course, but only the Protestant God. We call him Sir, or Mr God.

                                                                                                        Sometimes we pray to our other God, money, whom we worship most devoutly.
                                                                                                        Last edited by Raoul Duke III; 30-05-23, 17:49.
                                                                                                        "We are not Europeans. Those people on the continent are freaks."

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                                                                                                          The real problem with buy now, pay later is that if people can't afford it now, they might not be able to afford the two (or however many) installments that are coming down the line. If money is that tight for a €299 quid purchase (I know it's not in Hitch's case) then any unexpected bill or cost in the next two months could easily leave the bank account lacking the required funds to pay the €102.50

                                                                                                          You miss an installment and that fiver fee for convenience very quickly ratchets up to a lot more in interest and fines/late payment fees.

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                                                                                                            Originally posted by ionapaul View Post
                                                                                                            We had a humanist ceremony with zero spirituality, nor was any suggested. Definitely didn't feel like the humanist folk we engaged with had any grift going on. Maybe we were lucky, our celebrant was so good we recommended him to friends, and he married them a year or two later!

                                                                                                            I've also been to a humanist funeral, the deceased was cremated so there was no need at all for a church, though the ceremony did take place in a non-denominational chapel on the grounds of one of Dublin's largest graveyards. I think there are a few similar ones around. So no need to be a churchgoer before you die, in case anyone is worried!
                                                                                                            You would feel like an awful eejit when you wake up in front of the Pearly Gates Nightclub, Casino and three-star restaurant (all you can eat) and the bouncer checks your name against the list: 'humanist, eh? Sorry pal, not tonight. Try Beelzebub's S&M place round the corner.'
                                                                                                            "We are not Europeans. Those people on the continent are freaks."

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                                                                                                              Brother got married in March, was one of them protestant weddings....no communion for some strange reason and still went on for an hour and 15.

                                                                                                              Sis in law had a civil ceremony few years ago in the hotel where she was having the reception, seat wasnt even warm when it was all over, 10 min max.

                                                                                                              I know what ceremony I will be doing next time around...
                                                                                                              This too shall pass.

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                                                                                                                Originally posted by Hitchhiker's Guide To... View Post

                                                                                                                I think you are falling into the old-man trap of thinking your current way of life makes sense for a 20-year-old. You are in the life phase where you have time and incentives to optimise your retirement income, and generally be smart with your financial decisions because others depend on it. Mistakes now will clearly and irrevocably affect your future well-being. It's not the same when you are in your 20s. The money earned then - approximately - doesn't matter. It's all about getting through while putting in the effort and training to earn proper money in your big earning years. Who cares if you decide to buy something now and spread it over a few repayments.

                                                                                                                The above perspective matters because if you then approach someone in that age group and say that what they are doing 'makes being stupid with money more convenient', good luck with the rest of that conversation. They know it doesn't matter. Nearly all money is wasted at that age, who cares. They also learn a bit, without serious consequences, about the responsibilities of debt. They'll just be baffled that someone like you cares so much that what they are doing is wrong.

                                                                                                                Ye are all right that APR is correct. Ye are just wrong that it matters to be precisely correct all the time.
                                                                                                                I guess I could imagine a world where it was harder to buy luxury items you couldn't afford and that being better almost? Apr is neither here nor there you're cheerleading a corporation removing barriers to young people (who you dont seem to give any credit to for being capable of rational discourse) giving into instant gratification to their financial disadvantage, training people to get mugged off by unscrupulous lending practices but it's OK because they'll wise up later by some unspecified process when they have more income. Do you think revolut are betting that everyone tightens up their act when they start earning 50k or they think these habits will be sticky?

                                                                                                                ​​​Seems like a pretty distopian approach to financial literacy and driving in the exact wrong direction, but I guess I'm not down with the kidz.

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                                                                                                                  Originally posted by 6starpool View Post

                                                                                                                  Let the funeral director organise that shit.
                                                                                                                  I was at a sports club dinner on Saturday where the two main club sponsors were Dingle Gin and Staffords funeral homes.

                                                                                                                  I'll leave the smart remarks to your imagination but there were plenty.
                                                                                                                  "We are not Europeans. Those people on the continent are freaks."

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                                                                                                                    Originally posted by dobby View Post
                                                                                                                    I really hate giveaways that become popularity contests but Amanda Botfeld is pretty much the reason I got to live the 10k WPT dream last December. Now she's in a contest for a WSOP Main Event seat.

                                                                                                                    Could anyone that's arsed please vote for her here. Tyvm.

                                                                                                                    Well this turned into a crazy story.

                                                                                                                    Amanda lost the vote 60/40. But an anonymous sponsor contacted the woman who won it to say that they would cover her travel expenses to Vegas and would also buy Amanda into the WSOP Main Event.

                                                                                                                    Been quite the emotional rollercoaster for her today but shes off to play the main. Some craic.

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                                                                                                                      Originally posted by Strewelpeter View Post
                                                                                                                      If anyone's interested in going to Lankum tomorrow night in vicar Street let me know
                                                                                                                      Bump
                                                                                                                      Turning millions into thousands

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                                                                                                                        Originally posted by Strewelpeter View Post

                                                                                                                        Bump
                                                                                                                        Would really love to go to that but I have a class on Harcourt Street until 9pm so probably be 9.15 before I could get to Vicar St which seems far too late I think. Pity cos I'd love to see them.

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                                                                                                                          Made the mistake on switching on the tonight show on VM. 2 billion for the childrens hospital? But they don't know its gonna be 2 billion cos they don't know the final cost. Wtf like?
                                                                                                                          Jayzus, Sheila! I forgot me feckin' trousers

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