• 0 Posts
  • 52 Comments
Joined 1 year ago
cake
Cake day: June 11th, 2023

help-circle
  • Keep in mind that the cops don’t have to provide you with their reasonable suspicion in order to demand ID. It’s not until court that they have to provide their reasonable suspicion. So they have plenty of time to come up with justification after the fact.

    Also, on the Fifth Amendment I thought I had read somewhere about a case where a man simply remained silent and never once invoked his right and it didn’t end well for him. I cannot remember the details, but for some reason I thought that you still had to invoke the fifth even if you have not yet answered any questions. I’ll have to look back into this later and post back if I find the story.



  • I think you give a fair explanation of Dave in this comment. I definitely think much of his “baby steps” needs to be updated. Just for example, $1000 in savings is just going to cause someone to get further into debt when an emergency comes up.

    I like the 20/30/50 rule for budgeting (20% saving, 30% fun and 50% needs). If you have bad debt (consumer debt, bad auto loan, etc), then minimize your fun spending the most you can in order to wipe out that bad debt as quickly as possible. But of course also save up at least on month of needs or your largest deductible (whichever is greater). Then once the bad debt is gone save up a 3-6 month emergency fund (according to your personal risk/comfort level).

    I also think it’s important to not be too hard on yourself. Some months you’ll be over budget and some months you will be under. That’s why I think it’s important, like you said, to leave some room in the budget and not get caught up in zero dollar budgeting.

















  • They give you a discount per month. So for example, a $1000 phone is on sale for $600, but they don’t give you $400 off up front. Its a $11.11 per month discount for the next 36 months. You pay $16.67 per month until its paid off. If you pay it up front you pay $1000. If you leave early or pay it off early you lose the $11/month discount on the payment for the phone

    Its intended to lure people in for an advertised cheap or free phone, but then you’re stuck with them paying for the device.


  • Because people finance their phones with AT&T, usually without realizing it. “Free” phones and discounted phones are not usually free or discounted. You’re forced to stay with them to get the discount off each month. I hate it because I’d rather just pay for my phone outright and be done, but then you actually pay more.