PERSONABench/PERSONA-Bench · Datasets at Hugging Face

title string	author string	url string	score int64	num_comments int64	content string	timestamp timestamp[us]	comments list	__sub__ string	__srcfile__ string
Please explain 401k to senior with new job	PaperCotton	https://www.reddit.com/r/personalfinance/comments/1e8zic4/please_explain_401k_to_senior_with_new_job/	89	36	I’m 72 and just started a new job in April. It’s been years since I’ve worked, and I have never contributed to 401k before. I just received my 401k packet, and have questions. This is what I DO understand: 1) I need to choose to not contribute, or contribute. 2) If I do nothing, they will automatically contribute 3% 3) I can choose to contribute from 3-5% 4) Employer matching is 100% immediately 5) Employee profit sharing is 20% for first year and goes up as follows: Year 1 - 40% Year 2 - 60% Year 3 - 80% Year 4 - 100% Here’s what I DON’T understand: 1) What is profit sharing? 2) Do I have to choose what to invest in, or can I have them do that, because I REALLY don’t understand any of the information they provided, such as stocks, bonds, cash, etc. Please explain as simple as you can, what I need to know. Thanks ever so much! Edited to add a few screenshots of my plan: https://imgur.com/a/DL4QjJa	2024-07-21T23:16:43	[ { "author": "KReddit934", "body": "General rule is to contribute enough to get full match..(any free extra money they offer.) \n\nI'd invest it rather conservatively at your age unless you have tons of other investments.", "replies": [ { "author": "PaperCotton", "body": "No other investments.", "replies": [], "score": 3, "timestamp": "2024-07-22 13:49:55" } ], "score": 30, "timestamp": "2024-07-22 09:00:57" }, { "author": "DeluxeXL", "body": ">What is profit sharing?\n\nA company can choose to share some of its profits with employees by contributing into profit sharing plan. For example if your salary is 1/1000th of all employees' salaries combined, the company made a $10 million profit in a year and decides to share $1 million with employees, then then you get 1/1000th * $1 million = $1000 deposited (but only $200 (20%) is yours to keep if you lose the job in the first year).\n\n>Do I have to choose what to invest in, or can I have them do that,\n\nDepends on the plan. You are usually given a few choices. For example, you can be given a list of mutual funds to choose from, or choose between \"aggressive,\" \"moderate,\" or \"conservative.\" You can post the list here or read [401k fund selection guide](https://www.reddit.com/r/personalfinance/wiki/401k_funds).\n\nBe aware that you may be in RMD age (or soon). Non-Roth retirement accounts are subject to RMD.", "replies": [ { "author": "PaperCotton", "body": "Thanks … a few questions. I think the RMD age for me is 73, I just turned 72 in April.\n\nWhat happens if I’m still working when I turn 73? Do I just continue contributing, but I have to withdraw a certain amount? That seems counterproductive, or am I looking at that wrong?\n\nAnd I’m not at all familiar with mutual funds, or have no idea if I should go with moderate or aggressive, etc.", "replies": [ { "author": "gohblu", "body": "RMDs out of 401ks are not required while you are still working. Contribute enough to get the full match if you can afford it. They are trying to give you free money. Don’t turn it down.", "replies": [ { "author": "PaperCotton", "body": "Ah good, thanks for that info.", "replies": [], "score": 10, "timestamp": "2024-07-22 03:09:14" } ], "score": 110, "timestamp": "2024-07-22 00:25:17" } ], "score": 18, "timestamp": "2024-07-21 23:52:30" } ], "score": 85, "timestamp": "2024-07-21 23:26:25" }, { "author": "cwt444", "body": "I think you need to re-read the part about your contribution. That might be automatic enrollment. You should be able to decide to defer more or less than that", "replies": [ { "author": "PaperCotton", "body": "I’ll check that more closely today. Thanks!", "replies": [], "score": 3, "timestamp": "2024-07-22 13:51:41" } ], "score": 16, "timestamp": "2024-07-22 02:07:32" }, { "author": "Happy_to_be", "body": "What are your goals? Do you plan to continue to work or need to in order to make ends meet?", "replies": [ { "author": "PaperCotton", "body": "I don’t need to work, what we bring in with pensions and SS meet our monthly needs.", "replies": [], "score": 9, "timestamp": "2024-07-22 13:53:19" } ], "score": 17, "timestamp": "2024-07-22 01:21:15" }, { "author": "TalvRW", "body": "Hi\n\nI think u/DeluxeXL did a great job answering your questions.\n\nJust FYI since you mention not understanding the information they provided you can look at [investor.gov](http://investor.gov) which has a [glossary](https://www.investor.gov/introduction-investing/investing-basics/glossary) if you need terms like stocks, and bonds defined. \n\nAt another point you mention should you be moderate or aggressive with your investments. The answer like all financial answers is \"it depends\" and unfortunately for anyone to give good advice there are a lot of details missing like your other sources of money and are you working this job because you want to or because you have to. With that being said here are some high level concepts\n\nRetirement is at it's most simple concept a simple math equation of your income has to meet your expenses or needs. For a simple example you start by finding your monthly needs. Lets say $5k per month. You back out any fixed income. This is things that you can count on coming in reliably. This can be social security, pension, rental income. Lets say that totals $4k per month. You need to find that $1k elsewhere, usually your portfolio, but in your case your job counts too. The problem is you may not be able to work forever depending on your health so you want to make sure you have a big enough portfolio that it can cover the difference when you can't work. \n\nSo back to your question of should you be more moderate or aggressive. This mainly comes down to two concepts. risk tolerance and risk capacity. Risk tolerance is emotional. A simple example would be how would you feel if you had $100k in your 401k and then a 2008 type event happens and all of a sudden you have $50k or $60k. Could you stomach that and sleep ok? Would it stress you out? If you don't think you could candle that mentally or emotionally then you might not be able to tolerate more aggressive investments. Risk capacity is more mathematical. The concept is can your portfolio support a level of investment risk. Two examples of portfolios that could support high levels of risk in retirement would be (1) Your retirement is covered by pension, social security, rental income and you are simply working because it's something to do. If your investments went to 0 you would be totally fine. (2) Someone with a very large portfolio. If you have 10 million in investments and only need 50k to live you can be very aggressive because even if it got slashed in half the portfolio will basically generate enough in dividends (A portion of a company's profit paid to shareholders.) alone that the person would be fine. \n\nWith all that said there is no exact formula to tell you be aggressive or moderate but certain things will push you in one direction or another. If you can't stomach a market downturn emotionally that would lean away from aggressiveness. If you think you will need this money sometime soon, you probably don't want to be aggressive. If you have robust fixed income sources (social security, pension, rental income) that meets your needs or wants then you can be more aggressive. While I don't think this is the case but if you have a extra large portfolio you can be aggressive. If this job/money is just extra cash for you and maybe you want to consider legacy planning for kids (the longer your time horizon generally risk decreases) or other family you may want to be more aggressive, potentially even consider a Roth 401k if your job allows it. \n\nSo finally with a quick peek of your post history it indicates 2 small pensions and social security and some medical bills and some debt. If I was in your shoes I would NOT be aggressive. You may need that money at a certain point in time and you don't want to be taking from it during a bear (down) market and you probably don't have the resources to wait out that storm. \n\nSince your comfort with investing is at the beginner level (not a jab at you, just an observation) you may want to look to see if your 401k has an investment in what is called a target date retirement fund. They will have years in them that correspond with the year you plan to retire. If they do you could select one with the year 2020 or 2025 in the name. If you become more advanced in your investing you may outgrow a target retirement fund because they aren't perfect. They are pretty cookie cutter. But at your level it should provide an appropriate level of risk.\n\nWish you the best of luck!", "replies": [ { "author": "PaperCotton", "body": "Thanks so much … and yes, 2 pensions and SS for husband and I. We do ok on just that, but haven’t been able to save much ($11,000). My new income is going to help save more and also pay up some debt in our credit report. \n\nThanks for the informative reply.", "replies": [], "score": 5, "timestamp": "2024-07-22 13:48:32" } ], "score": 7, "timestamp": "2024-07-22 07:30:24" }, { "author": "truedef", "body": "Can someone chime in if this is wise for someone this age? My work has a 5 year vesting period, meaning if I leave before those 5 years, the company match goes into thin air. Leaving only what I contributed towards. Wouldn't OP be better off investing their funds in some other form?", "replies": [ { "author": "Historical_Low4458", "body": "The money OP contributes is theirs regardless of when the company's vesting period is, and would still get whatever tax advantage they select from said contributions when they leave. \n\nVesting periods vary from company to company. OP doesn't mention anything about a vesting period, but did say it was 100% immediately so maybe they don't have one at all. \n\nNow, should OP be investing in a S&P 500 index fund at 72, probably not, but a 401k usually has a bond fund/stable value fund/money market fund that they could use to try to preserve their contributions. If OP was feeling a little riskier, then maybe even a target date fund that is within a few years.", "replies": [ { "author": "PaperCotton", "body": "They offer a target date fund …", "replies": [ { "author": "Historical_Low4458", "body": "A target date fund is usually the default choice of people who are unfamiliar with investing because it automatically rebalances itself every year. Some employers will even select this as a person's default choice if they don't make a selection themselves (you will want to double check if that is your employer's policy).", "replies": [], "score": 2, "timestamp": "2024-07-22 23:15:27" } ], "score": 1, "timestamp": "2024-07-22 13:55:25" } ], "score": 8, "timestamp": "2024-07-22 06:10:09" } ], "score": 5, "timestamp": "2024-07-22 05:50:03" }, { "author": "Longjumping-Nature70", "body": "This is hard without knowing more.\n\nKudos to you for trying to make some sense out of this at the age of 72, when personal finance has changed since you were a kid/young adult/working adult.\n\nAt your age, which you are just a little older than me, you might have 20 years left. My family is long lived and I want to hit 100. Age is a consideration.\n\nIf you went back to work either you are bored or need the income. Reading further, I am guessing you need the income.\n\nAn old rule of thumb question, \"Can you live off of 95% of your salary?\" I answered yes, so I contributed 5% to my first 401k, my first 401k company matching was something like 2%.\n\nIf I am reading correctly, if you put in 5% which is the max, they will match 5%. That is a 100% return automatically.\n\nExample: Your salary is $30,000, you put in $1500 they put in $1500, you have $3000 in your account, but you only put in $1500, that is why it is 100%. NEVER TURN DOWN FREE MONEY.\n\nTypically, you need to choose what to invest in. They will throw a lot of fund choices at you. If you want your money to work for you, you want to be a bit more aggressive, but not much due to age consideration.\n\nAt your age and me not knowing diddly about you, I would put 50% into cash, aka money market fund, and 50% S&P 500 Index Fund.\n\nRMDs do not begin since you are working. Maybe. Since you are starting at 72 that is the cusp. You had to make it complicated.\n\nhttps://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs#:\\~:text=What%20are%20Required%20Minimum%20Distributions,Dec.%2031%2C%202022).\n\nAccount owners in a workplace retirement plan (for example, 401(k) or profit-sharing plan) can delay taking their RMDs until the year they retire, unless they're a 5% owner of the business sponsoring the plan.\n\nNow, since you say you have no retirement accounts, you have nothing to RMD from at age 72/73. Since you are starting a job it is quite obvious you are working so, you do not have to do an RMD because you are employed. I am going to bet the IRS has a conniption fit with you.\n\nAt your age and me not knowing diddly about you, I would put 50% into cash, aka money market fund, and 50% S&P 500 Index Fund", "replies": [ { "author": "PaperCotton", "body": "Thank you for a great reply. 😊\n\nHere’s some screenshots of my plan.\n\nhttps://imgur.com/a/DL4QjJa", "replies": [], "score": 1, "timestamp": "2024-07-22 16:20:44" }, { "author": "PaperCotton", "body": "Why do you say the IRS will have a fit with me?", "replies": [], "score": 1, "timestamp": "2024-07-22 16:28:56" } ], "score": 2, "timestamp": "2024-07-22 15:11:01" } ]	entrepreneur	Art_Output_500posts.json
Seniors wanting to bring score up, where do we start?	PaperCotton	https://www.reddit.com/r/personalfinance/comments/wzxg08/seniors_wanting_to_bring_score_up_where_do_we/	851	192	Husband and I are in our 70’s, both retired. We had excellent credit but our son had major medical issues and had no insurance, so it fell on us. We also paid his rent and bills while he recovered. We lost our house, and everything just fell apart. Now our credit score is crap (450) because we relied on our cards, and fell behind on many of them. We also have some medical bills that are on our credit report. No bankruptcies. All together we owe over $35,000. We live on two small pensions and social security. We just moved into a senior complex. We can afford the rent (all utilities are included), car insurance, and phone. After everything there’s about $1500 left for food, gas and misc. medical supplies, etc. I want to get our score back up because I’d like to buy either a camper or a small home (tiny house is fine). I’m just not sure how to start, or what to do. I know we can’t be sued, but that doesn’t help me in bringing our score back up. Open to suggestions. TIA Edit: Thank you to ALL who have responded! I’m overwhelmed with all the replies I’ve gotten, so may suggestions, ideas, and caring. I’ve been in tears off and on since yesterday. I’ve been doing SO much for SO long - alone, the response from Reddit internet strangers is, well … overwhelming and has really touched me. I will add more information when I’m able to sit down and concentrate. I’m pretty busy with allot of responsibility, so it may be a few days. Again, thank you all so much! ❤️ Edit 2: Sorry for the delay, we’ve had allot going on. Here’s some additional information. I’ll also try and reply to some of your posts. My son was in Washington state and we lived in NY state, when the medical emergency happened. My husband stayed with his daughter and I drove to Washington and rented an apartment near my son for a year, until he was stable. The cost of the trip, rent for a year, additional cost towards son’s rent, food, etc all came from our savings and CC’s. Son is on Disability and Medicaid, but we paid additional medical costs not covered, along with needed equipment for him. Also, I sent my husband a fixed amount to contribute to food, gas, and other expenses while he stayed with daughter. That’s another whole horror story. Anyway, the combination of all of that, used all savings and maxed out all cards. I tried to stay ahead of them, but just couldn’t. Meanwhile, we fell behind on taxes on our home, so they foreclosed. Now we’re living month to month with no savings and no long term care coverage. VERY scary! The $1600 left each month is for food, gas, paper supplies, cat food and medical/personal supplies. I have decided against a camper after reading responses, I could never handle the upkeep, and neither could husband. I’ll continue tomorrow, but that should help.	2022-08-28T14:57:09	[ { "author": "invenio78", "body": "Unless you guys go back to work to increase income I don't see how you would be able to afford a new house or camper in the next 5-10 years,... and that's presuming no further large financial surprises.\n\nYou may want to talk with a bankruptcy lawyer to see if maybe that will get rid of the $35k.\n\nIf your son has another medical emergency, it may be more prudent for him to take on that debt as it would be much easier for him to recover financially than people in their 70's.\n\nSorry.", "replies": [ { "author": "UncertainlyUnfunny", "body": "Hospitals have finance desks. Talk to them. i have talked down a 1k bill to zero, a friend got his entire AIDS treatment written off.", "replies": [ { "author": "mrschro", "body": "Based on OP, they may have put the costs on a credit card to satisfy the hospitals. That or they paid for the hospital care and skipped out on house and other personal finance debts.", "replies": [ { "author": "PaperCotton", "body": "Yes, we paid all hospital, medical, rent, utilities, etc for almost 2 years … and fell behind on house, taxes, and credit cards.", "replies": [ { "author": null, "body": "[deleted]", "replies": [ { "author": "Thedude317", "body": "Yea, but some of the write offs are considered income from credit cards. I settled from a credit card and then had to pay taxes on the written off amount as if it were income.", "replies": [], "score": 11, "timestamp": "2022-08-29 02:20:54" } ], "score": 26, "timestamp": "2022-08-29 00:58:36" }, { "author": "Thedude317", "body": "Be mindful, some medical and credit card write-off/forgiveness is considered income and can have tax implications.", "replies": [], "score": 6, "timestamp": "2022-08-29 02:21:45" }, { "author": "FairyFartDaydreams", "body": "Hospitals have financial assistance and you can find the links on the hospital home page or the patient information page. Never put medical expenses on your CC or ignore your other expenses for medical ones. At this point bankruptcy would clear faster than you paying the CC off unless you get additional income", "replies": [], "score": 1, "timestamp": "2022-08-29 14:42:29" } ], "score": 57, "timestamp": "2022-08-29 00:06:15" }, { "author": "PaperCotton", "body": "Yes this … many bills on CC’s, along with other supplies.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:15:40" } ], "score": 65, "timestamp": "2022-08-28 22:54:39" }, { "author": "PaperCotton", "body": "It’s too late, bills have been paid.", "replies": [ { "author": "UncertainlyUnfunny", "body": "Have you tried? Hospitals may have a nonprofit status. If their bills are overly large have them reviewed by an attorney and you overpaid, send them a letter telling them they overbilled and you’ll sue them for profiting unless they settle for x. YMMV? I don’t mean to be pushy: i can be tenacious and I hate seeing people taken advantage of. Its none of my business.", "replies": [], "score": 2, "timestamp": "2022-09-05 00:21:42" } ], "score": 1, "timestamp": "2022-09-04 23:15:08" } ], "score": 142, "timestamp": "2022-08-28 22:22:24" } ], "score": 1306, "timestamp": "2022-08-28 15:55:15" }, { "author": "carolineecouture", "body": "Can your son help you out now? Can either of you work part-time?", "replies": [ { "author": "PaperCotton", "body": "Sadly my son may never be able to work. He’s disabled, on disability. Long complicated story.", "replies": [ { "author": "carolineecouture", "body": "Ok, just thinking about possibilities. Sorry to hear that.", "replies": [], "score": 44, "timestamp": "2022-08-29 00:43:01" }, { "author": "citygirldc", "body": "If he is on federal disability he should also now be on Medicaid. If he isn’t or waiting to be, please talk to his caseworker. At least the situation won’t repeat.", "replies": [], "score": 28, "timestamp": "2022-08-29 03:35:34" } ], "score": 84, "timestamp": "2022-08-29 00:23:28" }, { "author": "PaperCotton", "body": "Sadly, my son will never be able to help us.", "replies": [ { "author": "carolineecouture", "body": "I'm sorry. I hope your son is better now and things work out for you.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:31:49" } ], "score": 1, "timestamp": "2022-09-04 23:16:45" } ], "score": 121, "timestamp": "2022-08-28 18:04:21" }, { "author": "Snoo1560", "body": "I have a wild suggestion. Perhaps you should actually consider bankruptcy, even though you are judgment proof. The reason is that credit scores tend to go up faster after bankruptcy as opposed to having the debt remain on your credit reports. Why don't you post this in the r/bankruptcy group and ask what people think? At 63, the '70s are rapidly approaching for me. Good luck!", "replies": [ { "author": "scottymtp", "body": "How would they be judgment proof? State law like Massachusetts has?", "replies": [ { "author": "PaperCotton", "body": "Because our only income is pensions and social security, and neither of them can be garnished. Also, we have no assets (house, property, savings).", "replies": [ { "author": "scottymtp", "body": "I understand that. You can still be sued though. Unlikely though. Wish you luck in deciding the next steps on what to do next.", "replies": [ { "author": "PaperCotton", "body": "Yes we can be sued, they just wouldn’t get anywhere.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:18:37" } ], "score": 2, "timestamp": "2022-08-29 00:29:56" } ], "score": 20, "timestamp": "2022-08-29 00:22:07" } ], "score": 7, "timestamp": "2022-08-28 23:34:23" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "ConsentIsTheMagicKey", "body": "Yes, the bankruptcy stays there, but credit score goes up. Getting rid of the 35k would increase their score because the debt to income ratio would improve. If they keep up with all payments (keep an old credit card if possible), they should be able to buy a house in about two years if they have enough money for the downpayment and income for the monthly payments.", "replies": [ { "author": "Snoo1560", "body": "Most credit card companies close accounts once you file bankruptcy, so it's hard to keep one. You have to start over and apply for unsecured cards from companies like Credit One and work from there. If you can't get an unsecured card, then go with a secured one. You are correct about getting a house. FHA is 2 years and conventional mortgages are up to the lender. Source: The r/Bankruptcy forum.", "replies": [ { "author": "sunny-day1234", "body": "I've never looked into it but pensions and SS are guaranteed income with no chance of 'job loss' so maybe they take that into account? Of course if one dies or needs long term skilled care... there goes half.", "replies": [ { "author": "PaperCotton", "body": "More than half …. Long term care is EXPENSIVE!", "replies": [ { "author": "sunny-day1234", "body": "Yes but the 'Community Spouse' can keep half up to $130K in most states and a basic income that's $2100+-$3400 (I think it's called MMA) in some states to maintain a home and basics. It's just that it's not 'advertised'. \n\nThey don't make it easy to find out how not to just sell and find yourself broke, but laws were put in place years ago to protect the spouse who can remain at home. That home can be a pretty pricy one in my state, I believe up to $900K. \n\nI used to run a Home Health Agency years ago and did 'supervisory' visits once a month or so. Some of our Medicaid patients were living in gorgeous homes but their income sucked.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:43:06" } ], "score": 1, "timestamp": "2022-09-04 23:22:29" } ], "score": 2, "timestamp": "2022-08-28 22:27:33" }, { "author": "PaperCotton", "body": "I e recently tried for a secured card and was refused. I don’t think we’ll get anything until we wipe the debt and wait …", "replies": [], "score": 2, "timestamp": "2022-09-04 23:21:30" } ], "score": 4, "timestamp": "2022-08-28 22:09:04" } ], "score": 14, "timestamp": "2022-08-28 20:49:54" } ], "score": 45, "timestamp": "2022-08-28 20:22:01" }, { "author": "mayflowers5", "body": "My grandma had to file for bankruptcy at 70 as well and now her score is over 800 and she’s bought a home and a condo in that time period. Definitely not the worst thing you could do!", "replies": [ { "author": "PaperCotton", "body": "That’s good to know! How long did it take her to get to that score, after Bankruptcy?", "replies": [ { "author": "mayflowers5", "body": "Probably about 6 years! It dipped to around mid 500s and then steadily rose over the years. She owned her house and cars at the time so didn’t need to worry about credit. Got a secured line of credit and built it back up.", "replies": [], "score": 2, "timestamp": "2022-09-05 03:35:43" } ], "score": 2, "timestamp": "2022-09-04 23:23:48" } ], "score": 4, "timestamp": "2022-08-29 03:59:56" }, { "author": "PaperCotton", "body": "Yes, I am now considering bankruptcy", "replies": [], "score": 1, "timestamp": "2022-09-04 23:18:00" } ], "score": 412, "timestamp": "2022-08-28 15:41:34" }, { "author": "jane3ry3", "body": "I haven't read other comments. I don't need to. Get a free consult with the best bankruptcy firm in town. Not the one with the most clients.. The one who can really fight for you.", "replies": [ { "author": "socimonkey", "body": "My parents filed for bankruptcy in their early 70’s and it was the best thing they ever did. I made the appt. for them, and took them there. It changed their life for the better. This was after 40+ years of trying to pay down 75k.", "replies": [ { "author": "digihippie", "body": "This ^, and estate plan to be able to easily spend down and get Medicaid. Healthcare costs and having Medicaid could make this a complete wash, easily.", "replies": [ { "author": "PaperCotton", "body": "With our income, we don’t qualify for Medicaid.", "replies": [ { "author": "Designer-Freedom-375", "body": "You may not qualify for Medicaid but if your son doesn’t have an income, he may be eligible for Medicaid. At the very least he should have applied for free or reduced care at the hospitals providing his care, while also applying for coverage for drugs through the pharmaceutical drug manufacturers assistance program, applying for social security disability, applying for SSI, or liquidating any of his assets or accounts.", "replies": [ { "author": "PaperCotton", "body": "My son is incapable of doing much, it would be all on me.", "replies": [ { "author": null, "body": "Is that accurate? I don't know how it works, but you may not. If your son is a legal adult, I am unsure that you are financially liable for him. I understand the family side and wanting to ensure he is well taken care of, but at some point, there is going to have to be something in place to look out for him and his well-being. Again, unsure what that means, but I find it hard to believe you are financially liable for him. Again, I know you are looking out for him, but legally, separating it out I question if you are financially liable.", "replies": [], "score": 1, "timestamp": "2022-09-05 01:17:20" }, { "author": "Designer-Freedom-375", "body": "So that you could get a break, get a medical POA for your son and husband. But get your son appointed a legal guardian for his financial affairs. The guardian can handle his finances and you make the decisions regarding his person.", "replies": [], "score": 1, "timestamp": "2022-09-05 01:29:57" } ], "score": 1, "timestamp": "2022-09-04 23:32:45" } ], "score": 5, "timestamp": "2022-08-29 06:44:44" } ], "score": 6, "timestamp": "2022-08-29 00:25:09" }, { "author": "PaperCotton", "body": "We don’t qualify for Medicaid.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:32:04" } ], "score": 25, "timestamp": "2022-08-28 20:25:41" } ], "score": 99, "timestamp": "2022-08-28 20:23:15" }, { "author": "tjmobile1", "body": "I don't know if they should be signing up for payments to the best bankruptcy firm in town... Filing for bankruptcy is a lot of paperwork that you have to know your way around, but not really a lot of \"fighting\" which I assume means real adversarial negotiations. You can find a firm with a lot of customers and a decent rate that has plenty of experience to help you successfully file and be awarded bankruptcy benefits without killing your already dead wallet.", "replies": [ { "author": "PaperCotton", "body": "What do you mean by “awarded bankruptcy benefits”?", "replies": [ { "author": "tjmobile1", "body": "Being approved for bankruptcy. In similar fashion to unemployment, bankruptcy is a program/vehicle the government provides to allow people to swim when they are sinking. For what is worth, I also think you should look into finding an affordable firm to help you apply for bankruptcy. If your income level is low enough, there may even be some outreach programs in your area that will help you pay for/provide an attorney for you.", "replies": [ { "author": "PaperCotton", "body": "Will check", "replies": [], "score": 1, "timestamp": "2022-09-04 23:34:11" } ], "score": 2, "timestamp": "2022-08-29 00:29:48" } ], "score": 5, "timestamp": "2022-08-29 00:26:36" } ], "score": 11, "timestamp": "2022-08-28 22:30:44" }, { "author": "PaperCotton", "body": "Yes, but we’ll have to save for the cost. That may take us several months, but it’s a good direction", "replies": [], "score": 1, "timestamp": "2022-09-04 23:31:27" } ], "score": 161, "timestamp": "2022-08-28 18:09:04" }, { "author": "citygirldc", "body": "Gently, it doesn’t sound like your husband is capable of living in a camper/trailer. He would need to step up into and even more perilously down out of it. The toilet and shower will be very small with no room for supportive rails or a shower stool. When he falls it would be too cramped for you to have good placement/leverage to help him up. \n\nYou would quickly find yourself looking for your spot in the senior community back and they can be hard to secure (I am so glad you got one). \n\nI assume your apartment is wheelchair accessible—elevator, roll in front door, wide doorways, toilet rails, etc. Your husband and maybe you eventually will need these modifications. My mom had the same dream and had to realize my dad just couldn’t do it with his health and mobility problems. \n\nWithout the debt service, $1500/month is a very reasonable disposable income. I agree with those suggesting bankruptcy just to discharge those debts and simplify your estate. Once it’s discharged save up some discretionary funds and rent a camper for a week to celebrate. That will give you an idea of whether your husband can realistically handle the physical challenges.", "replies": [ { "author": "PaperCotton", "body": "You’re right, I’ve decided to drop the camper idea/dream. The apartment has some of those features, but not all.\n\nYes, I’ve actually decided we also need to get some life insurance, even if it’s a small amount such as “end of life” or term for funeral expenses. \n\nWe also need better health care, as a Medicare sucks! LOL\n\nOne of the questions I forgot to ask you guys is, how can we save for future long term care, or if it’s too late for that. We may have several years to accumulate SOME savings, but how should we save it?", "replies": [ { "author": "citygirldc", "body": "So, long term care is so expensive that it’s too late to save for more than a couple months’ worth. Medicare does not cover LTC, but Medicaid does. So what most people do is spend down their assets on LTC until there’s very little left and then Medicaid pays for it. You are a perfect candidate for that as you have little in illiquid assets so it should be pretty simple. \n\nI don’t have extensive knowledge of this, but I think it can be beneficial to self pay at the beginning because you get your choice of facility. But I don’t know if the facilities want to see a certain asset level to know they’ll be private paid for x amount of time before getting the lower Medicaid reimbursement. \n\nUnfortunately, I think this will require you to do some research. Your son’s social worker might be a help to point you in the right direction. My instinct is that you don’t really have time to save enough to make a difference, so might as well enjoy what you have left and/or transfer as much as you can to your son if that will not negatively impact his benefits (important to know whether he is on SSDI based on his work record, which has no asset limit, or SSI for someone who had never been able to work, which does not allow the recipient to accumulate basically any assets). Medicaid does have a five year look back so any money you give him during the five years preceding going on Medicaid could be clawed back. \n\nLTC is a big financially ruinous problem in the US, unfortunately. $10k per month is on the cheap end.", "replies": [ { "author": "PaperCotton", "body": "Thank you for all the information. 🙂", "replies": [ { "author": "citygirldc", "body": "You’re welcome! You might want to start a new post about long term care, referencing this one and repeating the info about your current financial situation, to get more perspectives. \n\nIf you decide to go the bankruptcy route, which I highly recommend if only to simplify your estate, your bk attorney may be able to offer some insight into Medicaid planning.", "replies": [], "score": 1, "timestamp": "2022-09-05 20:55:16" } ], "score": 1, "timestamp": "2022-09-05 20:31:47" } ], "score": 2, "timestamp": "2022-09-05 19:04:17" } ], "score": 2, "timestamp": "2022-09-04 23:29:15" } ], "score": 27, "timestamp": "2022-08-29 02:22:09" }, { "author": null, "body": ">I want to get our score back up because I’d like to buy either a camper or a small home \n\nYou cannot afford this. I hate to say it but at this stage..you need to make peace with that. Rent a camper when you get itchy feet but owning is simply a bad idea at this stage in your life.", "replies": [ { "author": "WyoGuy2", "body": "I don’t want to put words in OP’s mouth, but it’s possible they meant they would live in the camper full time, eliminating rent expense. If it’s a cheap used camper and they’re handy enough to do the inevitable repairs it’s not an inherently horrible idea.", "replies": [ { "author": "PaperCotton", "body": "Yes, this.", "replies": [], "score": 2, "timestamp": "2022-08-29 00:48:37" } ], "score": 10, "timestamp": "2022-08-28 23:22:20" }, { "author": "PaperCotton", "body": "I’ve come to realize this … the camper idea has been laid to rest.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:29:58" } ], "score": 19, "timestamp": "2022-08-28 23:07:22" }, { "author": "peekitup", "body": "You may have to declare bankruptcy to try to remove your debt. Clearing that debt will free up income for other expenses.\n\nYour credit isn't going to increase unless you have a consistent repayment pattern. Get a card with a small limit and no fees, use it to pay bills (like put your cell phone/internet on it), pay it off before interest accrues. Repeat. You may be able to do this with a cash back card to generate further rewards.\n\nAnyone who finances a camper or tiny house for you is taking on substantial risk that you'll be unable to pay them back. You have substantial debt and do not have the income or assets to support that debt.\n\nCan either of you work? Retirement isn't an age, it is a financial state.", "replies": [ { "author": "l80magpie", "body": ">Get a card with a small limit and no fees,\n\nWhat cards might be available to someone with a credit score of ~450? With or without existing debt?", "replies": [ { "author": "mylord420", "body": "Discover it secured", "replies": [ { "author": "jerbear__", "body": "This is the best option. First card i got after dropping out of college a few years back. They’ll pretty much accept anyone", "replies": [ { "author": "PaperCotton", "body": "Not us, not now", "replies": [], "score": 1, "timestamp": "2022-09-04 23:39:42" } ], "score": 6, "timestamp": "2022-08-28 20:26:22" }, { "author": "PaperCotton", "body": "We’ve been denied any card we try for, including secured cards.", "replies": [ { "author": "mossyzombie2021", "body": "Try Neo financial. I have crap credit too and they gave me a secured card.", "replies": [], "score": 1, "timestamp": "2022-08-29 00:40:38" } ], "score": 2, "timestamp": "2022-08-29 00:31:32" } ], "score": 22, "timestamp": "2022-08-28 19:18:37" } ], "score": 11, "timestamp": "2022-08-28 19:02:37" }, { "author": "PaperCotton", "body": "We’ve been denied even secured cards at this point, so hopefully some time after bankruptcy. \n\nI’m an artist, and once I can afford a computer, some supplies, etc. I’ll be selling my art. \n\nAnd no, husband certainly can’t work, and I care for him full time.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:39:01" } ], "score": 56, "timestamp": "2022-08-28 16:25:06" }, { "author": null, "body": "[removed]", "replies": [ { "author": "PaperCotton", "body": "My husband can not be left alone, he’s almost total care. I’m his caretaker for now.\n\nHe’s had several small strokes, a pulmonary embolism, fallen 3 times, and blockage in his carotid artery (removed).", "replies": [ { "author": "leodoggo", "body": "If your son is disabled, your husband needs total care, how are you going to find time to spend in your camper? \n\nRealistically, don’t worry about your credit. Very few debt firms will sue someone in their 70s (bad press). Just enjoy life spend time with your husband and son and forget about the camper. It’s not worth the stress you’ll put yourself and them through at this point to even address the debt and credit.", "replies": [ { "author": "PaperCotton", "body": "As I’ve stated in new posts, I’ve decided against the camper idea.", "replies": [], "score": 0, "timestamp": "2022-09-04 23:35:27" } ], "score": 38, "timestamp": "2022-08-29 00:38:14" }, { "author": "LooksAtClouds", "body": "Oh, gosh, honestly, I don't think the RV life is for you. Maybe for you, but not for your husband. It calls for being super handy and able to lift things, step high to get in and out of the RV, need to be able to use a sewer dump set up with ease, need to be able to set up beds for the night & put them up in the morning - or climb up into an overhead loft. Lots of squatting and reaching because storage is everywhere. \n \nI'm sorry.", "replies": [ { "author": "PaperCotton", "body": "You’re right", "replies": [], "score": 1, "timestamp": "2022-09-04 23:35:43" } ], "score": 25, "timestamp": "2022-08-29 02:39:36" }, { "author": "Designer-Freedom-375", "body": "If your husband qualifies for care from a residential facility he can apply for Medicaid long term care and if granted they would base the income eligibility for him on half of your monthly income. He could be found eligible for a home and community based waiver that would pay for him to have caregivers. You should apply for Medicaid long term care for your son as well. \nIf they were found eligible, you would have help managing their care and the entirety of the responsibility for their well being would not reside with you. You sound like a dedicated wife and mother but no one can do these things themselves and you deserve to have some help, stability and peace of mind in regards to the care of your loved ones.", "replies": [ { "author": "PaperCotton", "body": "He’s not going anywhere until I’m unable to care for him. Until then, he’s with me.", "replies": [ { "author": "Designer-Freedom-375", "body": "I am not suggesting that you abandon your husband and son. I am encouraging you to consider that you are stretched too thin, emotionally, physically and financially. \nSometimes our loved ones require care that is beyond our ability and even if we can provide that care frequently we shouldn’t. You sound like a kind, loving person and your health both physical and emotional matter too. By doing everything for your loved ones, If you get sick, chances are good that you will be unable to manage the care of your loved ones and most definitely be unable to physically care for your loved ones. I understand your loyalty and dedication to your loved ones but just want to acknowledge that you and your health matter too. \nIf your health falters, you will be unable to care for your loved ones and without you, your family will end up in a facility without someone who loves them to manage their care or advocate on their behalf.", "replies": [ { "author": "PaperCotton", "body": "Thank you … I appreciate all you said. 🙂", "replies": [], "score": 1, "timestamp": "2022-09-05 20:28:29" } ], "score": 2, "timestamp": "2022-09-05 02:49:54" } ], "score": 1, "timestamp": "2022-09-04 23:36:29" } ], "score": 2, "timestamp": "2022-08-29 06:52:15" } ], "score": 14, "timestamp": "2022-08-29 00:28:35" } ], "score": 38, "timestamp": "2022-08-28 19:01:01" }, { "author": "ThaneOfCawdorrr", "body": "Please, please, please take this hard lesson, everyone: if you have to go into debt to help someone else with their medical bills, YOU CAN'T AFFORD IT EITHER. \n\nYour son would have been better off to incur the debt--he's in a better position to be able to pay it off; or to declare bankruptcy; or even to end up being the beneficiary of one of these wonderful organizations that is paying off people's medical debts. \n\nBut here you are, you wanted to take care of your child, understandable. \n\nYour best bet, honestly? Is to try to find some kind of income. Do you have any high level skills? There's a LOT of remote work right now--you could probably find something part time (editing? tech skills? tutoring? helping someone learn another language? etc). If you get an actual part time job (remote or otherwise) that pays into Social Security, that will ALSO increase your income for the future. \n\nThe other side of the coin, of course, is reducing expenses. Look around for all the possible services your city offers for Senior Citizens. A LOT of cities offer things like reduced transportation costs, or senior centers that have healthy hot lunches for $1.50 and all kinds of fun activities. Really can save a lot of expenses that way. \n\nThis would enable you to start paying off your Credit Cards and bringing your scores back up. \n\nAnd make sure your son has medical insurance--and don't keep helping him financially when you can't afford it. There's an old saying \"Don't set yourself on fire to warm someone else.\" YOU have to take care of yourselves, too.", "replies": [ { "author": "PaperCotton", "body": "Neither of us can work. I’ll hopefully be selling my art (and NFT’s) as soon as I’m able. \n\nI think bankruptcy is best for us at this time.", "replies": [ { "author": "ThaneOfCawdorrr", "body": "Good luck to you. And don't forget to take advantage of any services or cost-reduced options your city has for senior citizens, it can really help.", "replies": [ { "author": "PaperCotton", "body": "And veterans … my husband served.", "replies": [], "score": 1, "timestamp": "2022-09-05 00:28:13" } ], "score": 1, "timestamp": "2022-09-05 00:09:13" } ], "score": 2, "timestamp": "2022-09-04 23:41:51" } ], "score": 21, "timestamp": "2022-08-28 23:33:53" }, { "author": "tmerrifi1170", "body": "Why file bankruptcy if you're judgement proof? Scrape together some cash and offer to settle with these debts. If they're more than many months old, they're likely written off and have been sold to collection agencies for pennies on the dollar. \n\n\"I owe a debt for x. I am on social security and am judgement proof. You can either take this $xxxx to settle this in full, or you can chase me forever and never get a dime.\"\n\nAs a side note, your situation, regardless of credit, does not support you getting a camper. $1,500 is a decent amount leftover to survive on, but a camper is going to eat into that very quickly. Sorry, but you lost your chance to have a camper in retirement. \n\nGood luck.", "replies": [ { "author": "PaperCotton", "body": "I was speaking of living/traveling in the camper, therefore we wouldn’t be paying the rent we are, and would have $$1,600 MORE per month. $3,100 total.", "replies": [ { "author": "LooksAtClouds", "body": "You're budgeting for parking for the camper at a trailer park with hookups? And cost of on-the-road internet, and gas? Would you sell your car to buy the camper? \n \nHave you lived in an RV before? Just curious. If not, you might want to try renting one for a week or two to see if you really can stick the lifestyle. \n\nI have spent a good amount of time in RV's, that's why I want to make sure you've got some experience.", "replies": [], "score": 19, "timestamp": "2022-08-29 02:35:25" } ], "score": 3, "timestamp": "2022-08-29 00:36:36" } ], "score": 33, "timestamp": "2022-08-28 18:43:46" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "PaperCotton", "body": "One of my biggest concerns is applying and being accepted at another apartment complex, as this is not smoke free, and we happen to find out after moving in, the downstairs neighbor is a chain smoker. I have a heart condition that is made much worse from second hand smoke. So we need to find a new apartment when our lease is up.\n\nAlso, my son may need to move in with us, and he’s not allowed to here.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:47:15" } ], "score": 21, "timestamp": "2022-08-28 18:13:24" }, { "author": "npepin", "body": "The biggest factor in all of this is if you missed payments. If you racked up a balance but always payed the minimum then you aren't in that bad of shape. Your credit score doesn't keep track of previous balances, it just looks at your current statement balances. If your credit score was 500 because of 95% utilization, but you had no missed payments, if you payed off all your debt then your credit score could jump up hundreds of points, like you were never in massive debt for all those months.\n\nIf you missed payments, then controlling for utilization is important, but those negative marks on your score are going to have an impact and only time can repair them. I had some missed payments a while back and it took 2 years of on time payments and lowering my utilization to get my credit from the 500's to 700.\n\nPaying down the debt is the only real strategy for the credit score. If you didn't miss any payments, you'll see pretty quick improvement as you get your utilization into the 40's and 30's. If you missed payments then it may be 2-3 years until your credit score starts to improve.\n\nA lot of people are suggesting bankruptcy, and I am not really qualified tot say if that option is good or bad, it may be best from a financial perspective, but from a credit perspective, which is what the post is asking about, just keep in mind that it puts a mark on your credit for at least 7 years and that it may not really help with the credit situation in the short term.\n\nSomething important to point out is that your age cannot be considered a factor in any issues granting leniency with your debt. There are laws that intend to protect elder people from discrimination, mostly in that otherwise lenders wouldn't be as likely to enter long term loans with anybody above a certain age, but this also has the effect where they can't give preferential treatment based on age. You might get some consideration for hardship.\n\nAnother last point is that you may need to abandon the thought of getting a camper or small house. Without finding a way to generate a lot of extra income, it is going to be difficult to make that happen. Unfortunately credit issues take years to fix.", "replies": [ { "author": "PaperCotton", "body": "We missed payments on many of them.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:43:33" } ], "score": 8, "timestamp": "2022-08-28 22:13:44" }, { "author": "iamdummypants", "body": "if the word bankruptcy doesn't scare you, do it. my good friend did it and 3 years later (that's how long they make you wait) was able to buy a decent house and a very nice car\n\ni am really sorry this happened to you after you worked hard your whole life - medical bills should not destroy people's lives", "replies": [ { "author": "PaperCotton", "body": "Thank you ….", "replies": [], "score": 1, "timestamp": "2022-09-04 23:47:49" } ], "score": 13, "timestamp": "2022-08-28 20:51:31" }, { "author": "ocxtitan", "body": "Gosh this reads like your typical American dream, doesn't it? Sad it has come to this.", "replies": [ { "author": "PaperCotton", "body": "Very sad", "replies": [], "score": 4, "timestamp": "2022-08-29 00:44:27" } ], "score": 13, "timestamp": "2022-08-28 21:26:05" }, { "author": null, "body": "So sorry this happened. I am sure your son is so appreciative of what you did for him. Medical debt is such a sad thing in the US.\n\nI think you have a few options to look at. First is the route of bankruptcy. I think shedding the debt puts you in a very different situation then trying to pay it down. At this point, it would take you about six years to pay it down assuming no interest and $500 a month against it.\n\nYou’re in your golden years and should be able to enjoy it. Have a transparent discussion with your son too. Can he repay the favor and have you both move in with him? That may free up substantial cash per month as well. I know it isn’t always ideal, but that may drastically reduce your time to pay off if you don’t declare bankruptcy and get you back on your feet quickly. Family helps family.\n\nI truly wish you all the best of luck. Sounds like you’re wonderful folks who did the best you could with your son.", "replies": [ { "author": "PaperCotton", "body": "My son is not fully capable of knowing what we actually did for him. There’s no discussion to be had with son, complicated, but just trust me. We’ll never be able to move in with him, he’s in a one small room efficiency, and may have to move in with US soon.", "replies": [ { "author": null, "body": "I'm very sorry, understood. Is your daughter a temporary option? If not, I think you have a few options. The first is to continue to pay down the debt with your remaining capital each month, but I think you will be hard pressed to save.\n\nI am an internet stranger and just outside looking in, but it seems that bankruptcy may clear your debt and obligations. That means a large portion of your remaining income can then go into savings. I think you will also need to break down the remaining cash each month as you said you have $1,500 remaining which does not include basic living expenses. How much of that are you consuming to live? If you can clear your debt, that leaves you some money to build a small emergency fund and do some travelling with you and your husband. Maybe not a camper, but a few trips a year can be had for that easily.\n\nI truly wish you all the best. Don't ever hesitate to lean on any support system you have too for help. Best of luck to you.\n\nEdit: Just read that your husband is full time care. I'm sorry. It sounds like you've been given a tough hand later in life. I hope you find time to get out and socialize. Please ensure you take some time for yourself here too and get to some of the senior events in the town/city or homes. Take care of yourself here too. \n\nBest of luck.", "replies": [], "score": 2, "timestamp": "2022-09-05 01:12:01" } ], "score": 2, "timestamp": "2022-09-04 23:51:03" } ], "score": 3, "timestamp": "2022-08-28 23:26:39" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "PaperCotton", "body": "Yes, we had to", "replies": [], "score": 1, "timestamp": "2022-09-04 23:51:42" } ], "score": 4, "timestamp": "2022-08-28 23:36:15" }, { "author": "Anerky", "body": "In addition to the other comments maybe you can try to increase your income a little. Delivering food, cleaning a few houses babysitting etc for a few hundred a week can make that $1500 into $2000-2500 which would really help you", "replies": [ { "author": "PaperCotton", "body": "Please see my post above. My husband can’t be alone, and I take care of him full time.", "replies": [ { "author": "Anerky", "body": "Can you look into an online customer service job or something like that maybe?", "replies": [], "score": 5, "timestamp": "2022-08-29 00:47:12" } ], "score": 2, "timestamp": "2022-08-29 00:29:51" } ], "score": 7, "timestamp": "2022-08-28 19:38:03" }, { "author": "LooksAtClouds", "body": "Why a camper? Do you want to move into the camper as your home, or just use it for vacations? \n \nQuestion, do you have 2 cars or 1?", "replies": [ { "author": "PaperCotton", "body": "Yes, that was what my thoughts were, travel and live in the camper. \n\nWe have only 1 car now … 2010 Honda Fit Sport paid in full. Many dealers are looking to buy this car, so I could use it as a trade in or sell it outright.", "replies": [ { "author": "LooksAtClouds", "body": "You could try converting your Fit into a camper. Check the many Youtube videos that are out there.", "replies": [], "score": -1, "timestamp": "2022-08-29 02:41:46" } ], "score": 2, "timestamp": "2022-08-29 00:43:59" } ], "score": 7, "timestamp": "2022-08-28 20:26:47" }, { "author": "tekchip", "body": "Some others have mentioned it, after or in addition to looking into bankruptcy, secured CC is the way to go.\n\nMy credit was trash from just not caring until I was 35ish. One of the earlier things I did was call my bank I had been with for a while. They offered a secured card I put $500 on. Bought nothing but my gas with it, paid off in full every month. 6-8 months later I'd recovered 100 points on my credit.\n\nCredit utilization, and keeping it low, is one of the major factors that determine credit score. 100% on time payments is another important factor. Start small.", "replies": [ { "author": "PaperCotton", "body": "Yes I agree with all of this", "replies": [], "score": 1, "timestamp": "2022-09-04 23:53:37" } ], "score": 8, "timestamp": "2022-08-28 21:49:04" }, { "author": "theNaughtydog", "body": "Based on what you tell me, it sure sounds like bankruptcy is the way to go... and I say that as someone who has handled a lot of bankruptcy cases.\n\nWhile you say you can't be sued, I think you mean there is no point in suing you because there is nothing to collect, not that you can't be sued, which you surely can.\n\nIf your credit score is that low and you have no excess income to pay down your debt nor any assets, chapter 7 is probably for you.\n\nI have to tell you that the bankruptcy would pull your score up way faster than paying minimums on your debt.", "replies": [ { "author": "PaperCotton", "body": "I agree completely", "replies": [], "score": 1, "timestamp": "2022-09-04 23:54:12" } ], "score": 3, "timestamp": "2022-08-28 21:44:43" }, { "author": "ptProfessionalftMe", "body": "Hello. I’m 40 and understand the game of credit. Silly question. Who cares what your score is if your needs are met. Did I miss that you were renting and trying to buy a home? I think there is a larger discussion here I’d be willing to hear.", "replies": [ { "author": "PaperCotton", "body": "We may need to move into another apartment when this lease is up, as ,y son may have to live with us, and he’s not allowed to here. A low score makes it hard to be approved..", "replies": [ { "author": "ptProfessionalftMe", "body": "Can you figure out if they actually pull your credit score? I suppose I’ve always rented from places where they simply make sure you don’t have any evictions or outstanding debt on utilities.", "replies": [], "score": 1, "timestamp": "2022-09-06 05:27:15" } ], "score": 1, "timestamp": "2022-09-04 23:56:15" } ], "score": 3, "timestamp": "2022-08-29 01:48:50" }, { "author": "ERTBen", "body": "Honestly, if you lost your home and ruined your credit to help your son get through a tough time he should be returning the favor.", "replies": [ { "author": "PaperCotton", "body": "He is unable to", "replies": [], "score": 2, "timestamp": "2022-09-04 23:56:28" } ], "score": 3, "timestamp": "2022-08-29 02:43:14" }, { "author": "Flaky-Flatworm-451", "body": "Still a lot of questions to answer before I'd be comfortable discussing options with a client.\n\nWhere exactly are you in your 70's?\nHow much do you get from your pensions?\nHow much do you get from SS?\nDo you have other retirement accounts that you're waiting to draw from?\nCan you please breakdown that debt?\nHas the debt been sold off yet, or is it with the original lender?\nWhat's your health looking like these days?\nWhere is your son staying now?\nAre you still paying anything for him?", "replies": [ { "author": "PaperCotton", "body": "I’m just 70. Husband is 74. I’d prefer not to reveal actual income amounts. After rent, phone, renters insurance, and car insurance, there is $1600 left for food, gas, medical supplies, etc. per month. \n\nNo other retirement accounts. Some of the old debt has been sold off, not all of it. \n\nMy health is fair. Aortic stenosis and hypertension (controlled by meds).\n\nMy son is in WA. state, we are in NY state. No we’re not paying anything now, because oldest son took over for a few months, but he’s moving away and will no longer be able to help, so my son may need to come live with us.", "replies": [], "score": 1, "timestamp": "2022-09-05 00:02:14" } ], "score": 3, "timestamp": "2022-08-29 04:14:04" } ]	entrepreneur	Art_Output_500posts.json
Will paying off half of debt bring score up?	PaperCotton	https://www.reddit.com/r/personalfinance/comments/nfvvui/will_paying_off_half_of_debt_bring_score_up/	5	18	Husband and I are 73 and 69. Credit card debt is around $30,000 Of course we’re unable to pay it off all at once. We wondered if it was wise to use our small savings of $18,000 to pay off half to try and get our score higher, as we continue to pay off balance slowly. Or should we just pay all cards off slowly and slowly have our score go up? Will paying off half of all cards, or maybe a few in full, bring our score up quicker than paying all slowly? I’d appreciate any insights. TIA 😊	2021-05-19T04:25:36	[ { "author": "womp-womp-rats", "body": "Back up for a sec: Why are you trying to get your credit score up? Are you planning to borrow money on top of the $30K you already owe?", "replies": [ { "author": "eruditionfish", "body": "Could be trying to qualify for a 0% APR balance transfer card to save interest on the debt. That would be a good reason to want to increase their credit score now.", "replies": [ { "author": "PaperCotton", "body": "That’s one of our reasons. But our score is way too low right now to qualify.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:31:41" } ], "score": 2, "timestamp": "2021-05-19 05:23:08" }, { "author": "PaperCotton", "body": "3 reasons: \n\nTo pay them off and be able to use them WISELY again. I’d prefer to only have 2 good ones, as opposed to the 10 we have now. \n\nWe’re looking for a new apartment to accommodate our son, as I’m his caretaker and we can’t stay in our current 1 bedroom. So We’ll need a good score to qualify, especially in the area we live in.\n\nLooking for a 0% balance transfer card. But need to qualify, our current score does not.", "replies": [ { "author": "eruditionfish", "body": "One note: once you pay off the cards, I wouldn't necessarily close them, since that can hurt your credit score by lowering the number of active accounts, lowering your total credit limit, and potentially lowering the average age of accounts. Unless you have a good reason to close a specific card (like an annual fee), I'd leave it open and just not use it.", "replies": [ { "author": "PaperCotton", "body": "I wasn’t referring to closing them, just not use them. I’d prefer to use only 1 or 2 cards, such as Discover.", "replies": [ { "author": "eruditionfish", "body": "That's a good plan then.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:47:07" } ], "score": 2, "timestamp": "2021-05-19 16:45:02" } ], "score": 1, "timestamp": "2021-05-19 16:35:15" } ], "score": 1, "timestamp": "2021-05-19 16:28:40" } ], "score": 40, "timestamp": "2021-05-19 04:34:26" }, { "author": null, "body": "First off, great job seeking to get your finances under control.\n\nThe ratio of open credit vs total limit will play a role in your credit score but there are a number of other key elements: payment history, collections in your past, outstanding debt. Do you have anything like this? If so then it’s worth taking time and money to remedy them. \n\nThe short answer is you need to get debt free even if it doesn’t move your score a single point. Dave Ramsey has some excellent content on this. Check out the Baby Steps. \n\nWhat other debt are you carrying? Car? Mortgage? Medical?\n\nWhen you say savings of $18,000 is this your entire savings inclusive of retirement? How much could you put towards this debt next month if you really pulled every lever?", "replies": [ { "author": "PaperCotton", "body": "No collections, payment history very good until our son got sick. \n\nAll cards have been closed (by card company) because of non-payment, which happened due to a financial strain from son getting sick.\n\nOur score means a great deal to us now, as we need to move not a larger apartment to accommodate our son.\n\nNo Mortgage, 1 car payment ($150).\n\nThe $18,000 is our entire savings, no retirement other than what we receive each month from pensions and SS.\n\nWe have nothing left to pay towards the debt, than than the savings.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:37:20" } ], "score": 5, "timestamp": "2021-05-19 04:32:41" }, { "author": "Constant_List_6407", "body": "I'm curious why you worry about your credit score in this case?\n\nPaying off debt helps your credit score, no matter how fast you pay it off.\n\nbut more important, paying off debt means you pay less interest. You should be worried about how much interest you are paying right now.", "replies": [ { "author": "PaperCotton", "body": "All cards have been closed/stopped. We need to move into a larger apartment to accommodate our adult son, as we’re his caretakers (he’s very sick). Where we live we’ll need a good score to qualify.", "replies": [ { "author": "Constant_List_6407", "body": "i see. \n\nyour credit score is based in a fairly large part on debt utilization. So the bigger difference between your credit available is vs your card balance. Two ways to do this:\n\n1. pay down a large portion of the card\n2. ask for a higher credit limit on existing cards.\n\nUnfortunately, creditors don't reward closing cards. but stopping using them is the first big step you can take. Next is paying them down. Doing those two things will help your score.", "replies": [], "score": 1, "timestamp": "2021-05-19 17:16:38" } ], "score": 1, "timestamp": "2021-05-19 16:40:27" } ], "score": 2, "timestamp": "2021-05-19 12:24:14" }, { "author": "WhosTheBaus", "body": "If this was me I would definitely throw the $15k at the CC debt. If this is across multiple cards you should also prioritize paying down the cards with the highest interest rate.", "replies": [ { "author": "PaperCotton", "body": "Paying down the highest interest cards make sense, but we’re really needing a higher score as soon as possible, see above why.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:42:11" } ], "score": 2, "timestamp": "2021-05-19 14:14:22" }, { "author": null, "body": "How much a month are you paying in interest? That is $ down the drain.", "replies": [ { "author": "PaperCotton", "body": "I’ll have to check that, as there are 10 cards all together.", "replies": [], "score": 0, "timestamp": "2021-05-19 16:38:31" } ], "score": 0, "timestamp": "2021-05-19 04:57:32" } ]	entrepreneur	Art_Output_500posts.json
Electric Mario Bros	dsherwo	https://www.reddit.com/gallery/p3zfo0	388	27		2021-08-14T02:16:01	[ { "author": "RaHarmakis", "body": "Very Cool idea!", "replies": [ { "author": "dsherwo", "body": "Thanks! I had been intending to make them out of the controller cables, but the cables weren’t long enough for a good portrait. So I snipped them and switched to the EL wire, making it activate with the controller was the natural next step.", "replies": [ { "author": "RaHarmakis", "body": "I would think that Link or Donkey Kong would be the next logical step Lol \n\nHow do they look in the dark?", "replies": [ { "author": "dsherwo", "body": "Oh yeah and I’ve got a yoshi all drawn up. Donkey Kong coming soon for sure!", "replies": [], "score": 2, "timestamp": "2021-08-14 06:36:57" } ], "score": 3, "timestamp": "2021-08-14 02:34:54" } ], "score": 2, "timestamp": "2021-08-14 02:32:35" } ], "score": 3, "timestamp": "2021-08-14 02:29:49" }, { "author": "ObvsLRKR", "body": "I want toad", "replies": [ { "author": "dsherwo", "body": "Commission me! These are spoken for but they’re around $300 each", "replies": [], "score": 1, "timestamp": "2021-08-14 02:56:54" } ], "score": 3, "timestamp": "2021-08-14 02:44:14" }, { "author": "GucciGamer14", "body": "Nice I like it", "replies": [ { "author": "dsherwo", "body": "Thank you! I had the controllers sitting around for a while and had been meaning to make a piece. It takes forever, but the end result is killer", "replies": [ { "author": "Dustin0791", "body": "So is the black wire in the back a bendable metal or is it the coloured wire? Or am I just wrong...", "replies": [ { "author": "dsherwo", "body": "Yeah! The back is dark annealed steel, commonly know as\nBailing wire. It’s the main material I use in my sculptures", "replies": [ { "author": "Dustin0791", "body": "Cool thanks! I've got an idea for something similar", "replies": [], "score": 2, "timestamp": "2021-08-14 05:34:24" } ], "score": 2, "timestamp": "2021-08-14 05:33:39" } ], "score": 2, "timestamp": "2021-08-14 05:26:03" } ], "score": 3, "timestamp": "2021-08-14 02:31:41" } ], "score": 2, "timestamp": "2021-08-14 02:17:29" }, { "author": null, "body": "Do sonic next", "replies": [ { "author": "dsherwo", "body": "I do commissions man! HMU and I’ll make it happen for you.", "replies": [ { "author": null, "body": "Uh i thought u do them for fun\n\nIf i had the money id definitely be interested in such thing but\n\nI dont even have 40$ for a controller lol", "replies": [ { "author": "dsherwo", "body": "Haha I made these for fun, I am a sculptor though and do a lot of wire in particular", "replies": [ { "author": null, "body": "I see\n\nThey do look pretty impressive tho\n\nJust wanted to know how would a sonic one look like XD", "replies": [], "score": 2, "timestamp": "2021-08-14 10:08:44" } ], "score": 1, "timestamp": "2021-08-14 10:06:52" } ], "score": 2, "timestamp": "2021-08-14 08:58:16" } ], "score": 1, "timestamp": "2021-08-14 08:57:23" } ], "score": 2, "timestamp": "2021-08-14 08:44:28" }, { "author": null, "body": "These are cool yet very cursed at the same time. I have mixed feelings about these", "replies": [ { "author": "dsherwo", "body": "It’s the eyes. I made the pupils larger than normal and made them deferent sizes and angles to give the Bros that “just ate a mushroom” vibe", "replies": [], "score": 2, "timestamp": "2021-08-14 10:09:42" } ], "score": 2, "timestamp": "2021-08-14 10:01:25" } ]	gaming	Art_Output_500posts.json
It’s a mee, Mario!	dsherwo	https://www.reddit.com/gallery/otj2ed	191	12		2021-07-28T21:08:07	[ { "author": "ApprehensiveChemist0", "body": "Okay, thats really cool and clever, i would have never have thought of that in a million years, really creative. Are you going to experiment with other vintage controllers and games?. Theres a cool vintage game called The Simpsons Barts Nightmare, you could do Barts head as-well, that could be cool. Thanks for the cool share.", "replies": [ { "author": "dsherwo", "body": "Totally! I have a bunch of controllers left. A Luigi in green is in the works as we speak. Plus I have a 1985 Nintendo zapper, was thinking about doing something Duck Hunt. \n\nI’ll look into Barts Nightmare - Bart would look fantastic as a one line sculpture!", "replies": [ { "author": "ApprehensiveChemist0", "body": "The Duck Hunt idea sounds really cool, i hadn't even thought of that, you should for sure consider the Duck Hunt idea.", "replies": [], "score": 2, "timestamp": "2021-07-28 21:42:06" } ], "score": 2, "timestamp": "2021-07-28 21:25:14" } ], "score": 2, "timestamp": "2021-07-28 21:21:22" }, { "author": "godsbrothernate", "body": "What does the konami code do for it?", "replies": [ { "author": "dsherwo", "body": "[this!](https://m.youtube.com/watch?v=YddwkMJG1Jo)", "replies": [ { "author": "godsbrothernate", "body": "I prefer john cena but rick he do be rollin.", "replies": [], "score": 2, "timestamp": "2021-07-28 23:28:12" } ], "score": 1, "timestamp": "2021-07-28 21:26:58" } ], "score": 2, "timestamp": "2021-07-28 21:21:38" } ]	gaming	Art_Output_500posts.json
Simple exercises to help lose thigh fat?	tomob234	https://www.reddit.com/r/Fitness/comments/25jqtl/simple_exercises_to_help_lose_thigh_fat/	0	10	I can only get to the gym about twice a week these days with schoolwork and other stuff I've got going on in my life, but I'm still trying to eat healthy and lose weight. I've been getting fit since last year and have lost over a stone already. I've gone down from XXL to XL/L clothing sizes and my waist size is now about 40 inches, whereas last year it was 46 inches. Long story short, I do look a lot slimmer but am still quite fat. My main target areas to try and chisel away at now are my thighs and belly fat. Do any of you guys have any simple but effective exercises I could do at home every day? I am determined to keep going until every last bit of flab on my body is gone forever. Thanks for reading guys.	2014-05-14T16:26:48	[ { "author": "TheCrafter", "body": "Fat loss is calories in < calories out. You can't target it with any exercises or diet.\n\nSimply eat below maintenance.", "replies": [ { "author": "tomob234", "body": "I've given up a lot of junk food, nowadays I never pig out on chocolate and soft drinks like I used to, I try and treat myself during weekends though.", "replies": [], "score": 1, "timestamp": "2014-05-14 21:19:40" } ], "score": 1, "timestamp": "2014-05-14 16:34:59" }, { "author": "asdf27", "body": "Unfortunately it isn't possible to spot reduce fat in any appreciable manner without say liposuction.\n\nHowever one thing for belly fat is having stronger abdominal muscles can slightly reduce how much your visceral stomach fat is protruding. So thinks like plank, ab wheel, dragon flag etc can help reduce the appearance of stomach fat.", "replies": [ { "author": "tomob234", "body": "I can see the logic behind that, I'll tell my trainer to include more of those kinds of exercises into my workout", "replies": [], "score": 1, "timestamp": "2014-05-14 21:18:14" } ], "score": 1, "timestamp": "2014-05-14 16:35:03" }, { "author": "ChokingVictim", "body": "There's no such thing as losing fat in a specific part of your body. If you want to lose the fat in your thighs, you need to eat less calories than your body needs to maintain weight. You will therefore lose fat all over your body, which includes your thighs. Simple as that. Doesn't matter how many leg presses or thigh abductor-machine-things you do, you won't lose fat in that specific area. ", "replies": [ { "author": "tomob234", "body": "I guess I'll accept the harsh reality XD, thanks for the advice!", "replies": [], "score": 1, "timestamp": "2014-05-14 21:17:04" } ], "score": 1, "timestamp": "2014-05-14 16:36:21" }, { "author": null, "body": "Exercising your quads/hams without cutting your calories (only way to lose weight) is only going to result in larger quads/hams. Cut your calories. You can't target weight loss.", "replies": [ { "author": "tomob234", "body": "Alright man, thanks for the advice. I've cut my calories a shitload by giving up sugar and soft drinks, drastically cutting down on chocolate, giving up using salt on food and I also drink a lot of water these days. I don't have an actual diet plan; I just stay away from junk food.", "replies": [ { "author": null, "body": "Count your calories religiously with MyFitnessPal or you may end up spinning your wheels. There's more calories in certain foods than you might realize. Best of luck!", "replies": [], "score": 1, "timestamp": "2014-05-14 21:27:14" } ], "score": 2, "timestamp": "2014-05-14 21:16:31" } ], "score": 1, "timestamp": "2014-05-14 16:37:57" } ]	science	Art_Output_500posts.json
JAWS - The Ultimate Summer Movie?	tomob234	https://www.reddit.com/r/movies/comments/22g0iq/jaws_the_ultimate_summer_movie/	12	17	I have a tradition going on where towards the beginning of summer every year, I sit down and watch the original Jaws. To me, it's the perfect summer movie because it embodies the ultimate holiday nightmare; swimming with a giant, killer great-white shark. Any of my fellow movie buffs agree or disagree?	2014-04-07T18:15:54	[ { "author": "madism", "body": "There's really no argument on this. It started the trend and it was made for a mere $9 million and went on to rake in over $470 million.\n\nIt's still one of the most profitable movies of all time AND it made millions of people not want to go in the water again.", "replies": [ { "author": "tomob234", "body": "Indeed. Long live the legend!", "replies": [], "score": 2, "timestamp": "2014-04-07 19:30:56" } ], "score": 5, "timestamp": "2014-04-07 19:09:39" }, { "author": "nomadofwaves", "body": "This is in my top 3 favorite movies to watch.\n\n\"That's some bad hat harry...\"\n\nOne of my favorite scenes is Brody at the table and the kid copying his movements.", "replies": [ { "author": "tomob234", "body": "It's such a great movie that I'm finding it hard to choose one scene I'd call my favorite. I'm going to go with Quint's monologue about the USS Indianapolis. To this day, I still consider it one of the most genuinely riveting and chilling pieces of screenwriting ever. The way that Shaw says those lines in that rough, gravelly voice adds to the drama.", "replies": [ { "author": "nomadofwaves", "body": "Yea. That's definitely up there in all time movie scenes.", "replies": [ { "author": "tomob234", "body": "I remember one of the ideas they had tossed around for Jaws 2 was a movie centering around the Indianapolis story but they turned it down because it wouldn't resemble Jaws enough. Shame really, I think it's a fantastic idea for a movie.", "replies": [], "score": 1, "timestamp": "2014-04-09 14:02:46" } ], "score": 1, "timestamp": "2014-04-09 02:01:18" } ], "score": 1, "timestamp": "2014-04-08 23:23:07" } ], "score": 2, "timestamp": "2014-04-08 01:38:41" }, { "author": "Smoke_eater", "body": "Vineyarder here. I was an extra in Jaws. They shot it in the spring and it was very cold on the beach.", "replies": [ { "author": "tomob234", "body": "I've always wondered, how did they convince you guys to go in the water if it was so freezing cold? I remember David Brown (one of the producers) in the making of documentary on the DVD saying that the waters were exceedingly cold at the time of the filming. This is cool, I've never talked to a person involved with a classic movie before!", "replies": [ { "author": "Smoke_eater", "body": "We were in and out of the water very quickly. Vineyard water is actually fairly warm year round. The air was cold though. \n\nIt was kind of fun doing it with my friends. Brody's son Michael was my cousin. So that was really cool too.\n\nI honestly didn't realize was a big deal it was going to be.", "replies": [ { "author": "tomob234", "body": "Thats awesome. Jaws has always been my all-time favourite movie and one of the things on my bucket list is to visit Martha's Vineyard and see the locations for myself. I was just wondering though if Vineyarders ever get tired of visitors talking about Jaws all the time? It's just that I'd be afraid of coming off as obnoxious if and when I visit for myself. ", "replies": [ { "author": "Smoke_eater", "body": "Not really. There aren't very many actual natives left. It's pretty much Long Island East now. But it was a very cool place back in the day and a great place to grow up.", "replies": [ { "author": "tomob234", "body": "I see. When I visit I plan on swimming at the beaches while trying NOT to think of the movie XD. Who knows, I may even rent a boat and pretend to be Quint :) This is cool, it's interesting to get a chance to talk to (even over the internet) someone involved with my all-time favorite movie. ", "replies": [], "score": 1, "timestamp": "2014-04-11 14:53:28" } ], "score": 1, "timestamp": "2014-04-10 23:18:32" } ], "score": 1, "timestamp": "2014-04-10 17:37:15" } ], "score": 2, "timestamp": "2014-04-10 01:15:53" } ], "score": 2, "timestamp": "2014-04-09 14:01:57" } ], "score": 2, "timestamp": "2014-04-09 01:53:37" }, { "author": "thedankknight90", "body": "I believe the torch has been passed. Yes, for the time it came out and all the hardships of over-budgeting and technical difficulties that have become infamous with the legend that is the JAWS production, it was a huge box office and culture phenomenon. However, given with a lot of advances in both practical and CGI effects over the past 20 years, I believe that the 'original summer blockbuster' simply paved a wide plot of land for a foundation that has been filled and improved upon many times over. It has been 39 years and I would hate to think that despite all of its accomplishments and cultural significance, as well as Spielberg's talents, have yet to be met or exceeded. ", "replies": [ { "author": "tomob234", "body": "Indeed. It seems to me as if the majority of all mainstream Hollywood summer movies tend to be cliched action flicks or new instalments in an existing franchise. It really is a shame that the advent of CGI technology has made the use of practical special effects a rapidly dying art, because I know for a fact that if Jaws had been made in the 21st century, it would have been only half as effective.", "replies": [], "score": 1, "timestamp": "2014-04-07 19:30:31" } ], "score": 1, "timestamp": "2014-04-07 19:21:58" }, { "author": "georgieramone", "body": "To me Terminator 2 was the ultimate summer flick. That might just be because it was the big summer movie of my generation and to see that in theaters was incredible. T2 influenced almost every blockbuster movie to come out after it because of its groundbreaking special effects and amazing action sequences.", "replies": [ { "author": "tomob234", "body": "I love T2 and for me it's still one of the only movies I have ever seen to use CGI the right way and pull it off effortlessly. I mean, nearly 20 years later it still looks good, which is a testament to the ingenuity and sheer talent of those who worked on it. I can't stand T3, but I thought Salvation (aka T4) was fairly decent if you approached it as a stand-alone action movie rather than a Terminator sequel.", "replies": [], "score": 2, "timestamp": "2014-04-07 19:34:12" } ], "score": -1, "timestamp": "2014-04-07 19:15:17" } ]	movies	Art_Output_500posts.json
Titanic II - Disrespectful on every level	tomob234	https://www.reddit.com/r/history/comments/1ri8wv/titanic_ii_disrespectful_on_every_level/	1	8	It is no secret that the sinking of the Titanic is perhaps the most well-known sea tragedy of all time. Ever since the discovery of her wreck in 1985, many have proposed the fantastical ideas of either raising the wreck or rebuilding the Titanic using surviving blueprints of her identical sister ship, Olympic. Ever since Clive Palmer, the Australian billionaire, announced his plans to resurrect the ship in the form of a working replica, complete with improved safety features and lifeboat numbers, I have been approaching his plans with an equal mixture of excitement and disdain. Some say that rebuilding such a universally famous ship of the past would give people a rare chance to relive history and that the Titanic story is more than famous enough to recapture, whereas some say that to do this would be very disrespectful to all those who perished in the icy waters of the North Atlantic during the Titanic's sinking and that the wreck should be left undisturbed, to rest in peace. My own opinion is of the latter; leave the story of the Titanic and the ship itself to rest in peace, allow its legend to live on and to respectfully acknowledge the loss of life involved. What do you guys think? Rebuild the Titanic or leave her story to rest in peace?	2013-11-26T17:22:40	[ { "author": "NegativeGhostwriter", "body": "I don't think it's disrespectful- not so much as that stupid movie anyway. \n\nI do wonder how they'll compromise between authenticity and modern amenities. \n\n", "replies": [ { "author": "tomob234", "body": "I agree that the James Cameron movie was overblown. I heard that they'll be replacing all the technology with modern machinery, they'll be adding an extra deck to house lifeboats and that the hull will be strengthened, for obvious reasons. ", "replies": [], "score": 2, "timestamp": "2013-11-26 22:47:59" } ], "score": 3, "timestamp": "2013-11-26 17:51:55" }, { "author": null, "body": "I'm on the fence with this one. I personally love the legend. But I do agree let the legend and her memories live one respectfully so. Even though, I don't believe this idea is half as bad or as silly as the many movies and shows that they've made about this topic. Also, I am curious to see what the replica will have on it since there is a century difference as well as other accommodations.", "replies": [ { "author": "tomob234", "body": "I'm not exactly opposed to the idea, I just can't see this happening, simply due to the fact that many will find it distasteful, especially those who had relatives that perished in the sinking. If this does go ahead, then I sincerely hope that they treat it as a solemn, living testament to an awful disaster and not just an overblown cash-in on global interest in the Titanic disaster. ", "replies": [], "score": 1, "timestamp": "2013-11-26 22:50:09" } ], "score": 1, "timestamp": "2013-11-26 20:52:27" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "tomob234", "body": "Exactly. Instead of trying to resurrect such an overly grandiose design of the past, leave its story to remain at peace and live on in legend.", "replies": [], "score": 1, "timestamp": "2013-11-28 16:12:22" } ], "score": 1, "timestamp": "2013-11-28 10:39:33" }, { "author": "corcleps", "body": "> very disrespectful to all those who perished in the icy waters of the North Atlantic\n\nthey're dead and their children are dead and who even cares", "replies": [ { "author": "tomob234", "body": "Well, I care, because if Titanic had never sunk, we wouldn't have all the maritime safety laws that we have in place today, the International Ice Patrol would never have been established and society would never have learnt to put too much faith into modern technology, because any human design is fallible. ", "replies": [], "score": 0, "timestamp": "2013-11-28 16:14:21" } ], "score": 1, "timestamp": "2013-11-28 11:39:46" } ]	movies	Art_Output_500posts.json
The Wheel of Time series has already cured so much that was wrong with my mind.	Rockin_freakapotamus	https://www.reddit.com/r/books/comments/nw84a7/the_wheel_of_time_series_has_already_cured_so/	1,136	337	I have never been an avid reader. I presume that I may have undiagnosed ADHD based on my inability to focus on anything for an extended period of time. I use SparkNotes through high school and college. The last novel I completed before this year was over 5 years ago and no more than 300 pages. Then I came across The Eye of the World. Following the disappointing ending to Game of Thrones, I decided I had no interest in reading the Song of Ice and Fire series, so I tried (based on Reddit recommendations) the Malazan Book of the Fallen by Steven Erikson and couldn't get past 50 pages. I gave up for awhile on reading for fun. I have a career that requires a lot of reading, and it is hard to get motivated to read for fun. Recently, I decided to give it another try with the Wheel of Time series. I came in with low expectations on my ability to tackle such a lengthy series, but I read good things about the writing style and story telling, so I gave it a try. I finished the first book (over 600 pages) in less than two weeks. The writing does such a great job of slowly introducing potential danger only to jump out at you with immediate danger. The characters are likeable and relatable. For the first time ever, I find myself unable to put a book down. I tell myself I will read 10 pages or one chapter at night, then finally go to bed after 100 pages or more. I actually woke up this morning wanting to watch the next episode of this story, only to have to remind myself that it was not a show, but a book that I was able to picture mentally as vividly as if on screen. I am 200 pages into the second book (The Great Hunt) and cannot adequately express how enjoyable these books are. This may be a turning point for me with reading for leisure, and I can't give enough thanks to Robert Jordan, the author of the series. I know the later books were written by another offer due to Jordan's death, but if the rest are near as good as what I have read so far, I will read this whole series.	2021-06-09T22:26:19	[ { "author": "EndlessPiece", "body": "Good news, OP. (Or bad news depending on how it turns out). It is being adapting it a TV Show for Amazon(?).", "replies": [ { "author": "Rockin_freakapotamus", "body": "I’m avoiding it until I finish reading the whole series. I have already imagined the characters in my head and seeing them differently on screen may ruin my interpretation.", "replies": [ { "author": "twatfantesticles", "body": "Good call. HP was ruined for me after seeing the movies.", "replies": [], "score": 10, "timestamp": "2021-06-10 06:19:00" }, { "author": "killslayer", "body": "i think this is the best idea since based on what i've read they plan on introducing elements from multiple books in the first season", "replies": [ { "author": null, "body": "Only book 1 and some of book 2 from what I heard.\n\nThe first couple of seasons should stick to the books as much as possible imo and the last books too.\n\nThe so called slog can def be quickened and those books(8-10?) can be incorporated into one season.", "replies": [], "score": 5, "timestamp": "2021-06-10 09:14:30" } ], "score": 5, "timestamp": "2021-06-10 04:14:28" } ], "score": 61, "timestamp": "2021-06-09 22:49:40" } ], "score": 60, "timestamp": "2021-06-09 22:48:05" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "sojywojum", "body": "Sanderson definitely pulled it off. Some characters are written less well, and other characters are written AMAZINGLY better.", "replies": [ { "author": null, "body": "[removed]", "replies": [ { "author": "Rockin_freakapotamus", "body": "Please, no spoilers", "replies": [ { "author": null, "body": "I am not sure if you read the Chapter where Rand speaks to the Amyrlin seat. Thats was one of the best chapters IMO. I almost loved al'Lan at the end of the first book. That chapter made Lan my favorite character honestly. Also a chapter called \"the watchers\" is amazing too. The third book has much better pacing than the second one. Second has a lot of amazing moments. The last chapters are goosebumps galore.", "replies": [], "score": 1, "timestamp": "2021-06-10 01:55:28" }, { "author": null, "body": "[removed]", "replies": [ { "author": null, "body": "[removed]", "replies": [], "score": 2, "timestamp": "2021-06-10 01:03:01" }, { "author": "CrazyCatLady108", "body": "No plain text spoilers allowed. Please use the format below and reply to this comment, to have your comment reinstated.\n\nPlace >! !< around the text you wish to hide. You will need to do this for each new paragraph. Like this:\n\n >!The Wolf ate Grandma!<\n\nClick to reveal spoiler.\n\n>!The Wolf ate Grandma!<", "replies": [], "score": 1, "timestamp": "2021-06-10 01:29:08" } ], "score": 0, "timestamp": "2021-06-10 01:00:07" } ], "score": 10, "timestamp": "2021-06-10 00:46:56" } ], "score": 1, "timestamp": "2021-06-10 00:44:21" } ], "score": 20, "timestamp": "2021-06-09 23:38:52" } ], "score": 29, "timestamp": "2021-06-09 22:44:00" }, { "author": "Paolo94", "body": "I want to read this series, but I’m always intimidated by the length and amount of books. 14 books seems like such a huge undertaking, and with how slow I read, it would take me well over a year to finish this series. Also, hearing people talk about the slog is a little discouraging. I just don’t know if I have enough stamina to read this series at the moment.", "replies": [ { "author": "Rockin_freakapotamus", "body": "Take my story as motivation. This is the first time I have ever read a series of books, and I’m loving it. Read the first and feel free to DM me for discussion. I’m hooked.", "replies": [], "score": 8, "timestamp": "2021-06-10 00:38:55" } ], "score": 5, "timestamp": "2021-06-10 00:26:31" }, { "author": null, "body": "I honestly didn’t really like the characters, or how everytime it switched to Perrin’s POV Jordan reminded the reader he had to move slowly because he was strong lol", "replies": [ { "author": "Rockin_freakapotamus", "body": "I loved how you didn’t get a POV aside from Rand until halfway through book one. It as jarring.", "replies": [ { "author": null, "body": "And then barely having any in book 3. I enjoyed them for sure but yeah the characters really blew it for me", "replies": [ { "author": "BadSanna", "body": "Gotta disagree with you on this one. Jordan's characters are some of the best in literary history.", "replies": [], "score": 6, "timestamp": "2021-06-10 02:59:47" } ], "score": -2, "timestamp": "2021-06-10 00:52:49" } ], "score": 2, "timestamp": "2021-06-10 00:39:48" } ], "score": 1, "timestamp": "2021-06-10 00:30:54" }, { "author": "Kayyam", "body": "Which book you started with?", "replies": [ { "author": "Rockin_freakapotamus", "body": "Eye of the World", "replies": [], "score": 2, "timestamp": "2021-06-10 00:39:06" } ], "score": 1, "timestamp": "2021-06-10 00:30:28" } ]	books	Art_Output_500posts.json
Good games for restricted audio environment?	zackmophobes	https://www.reddit.com/r/gaming/comments/1j5gyyj/good_games_for_restricted_audio_environment/	0	42	I have a remote job answering phones and need to respect the audio waves so that I don't have background noise. I want some good game recommendations where the audio is not needed for a good experience. I know I can just mute the game but I can't play any story driven games with good voice acting as I would feel like I am missing out, I will play those when I'm not working. I'm looking for pauseable engaging games that I can play on mute without losing much of the experience. I play all kinds of games, too many to list but recently been playing 7days to die (hard to play at work, I need to hear those zombies), FTL, Into the Breach, binding of Isaac (love this one), Hades, Slay the Spire, OSRS, good ol AoE2. I'm thinking Doom Eternal would be a good choice, I can pause it and there should be subtitles for the small bits of voice acting. What do y'all think would be fun and pauseable and able to play muted? 🎮	2025-03-07T06:13:14	[ { "author": "balugabe", "body": "Civilization. Honestly though most strategy games, real time or turn based", "replies": [ { "author": "zackmophobes", "body": "I don't know why but I just cannot get into Civ. I tried on many versions and it's just not for me. \n\nI enjoy games like Fire Emblem or Final Fantasy Tactics and Age of Empires but the diplomacy games don't do it for me.", "replies": [ { "author": "balugabe", "body": "Maybe Xcom? You mentioned Doom eternal, but that's a game you need to be locked in to play", "replies": [], "score": 5, "timestamp": "2025-03-07 06:28:00" }, { "author": "ConfusedAdmin53", "body": "Diplomacy in Civ is conducted at the tip of a sword.", "replies": [], "score": 2, "timestamp": "2025-03-07 13:54:48" } ], "score": 2, "timestamp": "2025-03-07 06:23:58" } ], "score": 12, "timestamp": "2025-03-07 06:20:59" }, { "author": "IcyColdFyre", "body": "Balatro", "replies": [ { "author": "zackmophobes", "body": "Ooh good call", "replies": [], "score": 3, "timestamp": "2025-03-07 06:19:09" } ], "score": 12, "timestamp": "2025-03-07 06:17:10" }, { "author": "bobthemutant", "body": "Terraria. No story, no voice acting, and only a few enemies and other things with sound cues, but nothing so important that gameplay will be seriously impacted. The modding scene is amazing and several mods are worth doing an entire separate playthrough of if you finish vanilla and want more.\n\nBug Fables. I'll never not take an opportunity to simp for this game. It's a spiritual successor to the classic Paper Mario RPGs. It is a story focused game, but there's no voice acting so all dialogue is text. It has charming music and sound effects, but playability isn't impacted by playing mute.\n\nRisk of Rain 2. I haven't played it since Gearbox took it over, but it's a satisfying roguelike that wants you to break it. Lots of character and build variety, no story or voice acting, good OST you might miss out on but otherwise no majorly important sound cues.\n\nVampire Survivor. Personally haven't played this, but most of my friends have and it was their top pick for 'brain off and chill out' games to play while watching a movie or doing something else. There are loads of 'vampire survivor-likes' that flooded steam after its success if you're looking for something similar with different themes.\n\nValheim. Easily my favorite 3d action/survival/craft game since Minecraft. Like Terraria its progression is structured around defeating bosses. Unlike Terraria it's much more about the classic survival elements of exploring, gathering, and crafting. \n\nIf you enjoy building you can spend hundreds of hours making elaborate bases. There's a decent modding community, though the mods aren't nearly as extensive as Minecraft or Terraria.\n\nCore Keeper. A charming top-down perspective Terraria-adjacent survival/craft/exploration game that's more heavily weighted towards exploration and resource gathering. It's a great deal simpler than Terraria, but follows a similar style of progression. No voice acting, good OST, only a handful of gameplay related sound cues.\n\nDungeon Defenders. I feel old saying it, but by now this is a classic. It's an RPG-lite Tower defense game with a variety of character classes and diablo-esque loot drops to increase your character's stats. Story is a throwaway excuse for the setting/themes and doesn't matter in the slightest. \n\nIt's not a pure tower defense game in that you'll be actively participating in the fighting and managing your defenses after a build phase. To this day is still regularly getting new updates. It has extensive end-game content, but is still great fun to play through even if you don't chase the hardest difficulties and challenge maps.", "replies": [ { "author": "zackmophobes", "body": "Yo these are some solid recs thanks. I have hundreds of hours in Valheim and Terraria and getting on up there in Vampire Survivors. Def gonna check the others out tyvm.", "replies": [], "score": 3, "timestamp": "2025-03-07 08:03:57" } ], "score": 5, "timestamp": "2025-03-07 08:01:17" }, { "author": "ZehTorres", "body": "How about Vassal? Vassal is a free program to play boardgames. They have a good catalogue of solo games", "replies": [ { "author": "zackmophobes", "body": "I'll give it a look, I also have tabletop simulator which has some great auto setup options and single player board games too. \n\nOn first glance Vassal seems like a great tool especially for my tabletop game group and we are about to start a new campaign. Thank you for the recommendation!", "replies": [], "score": 1, "timestamp": "2025-03-07 06:21:26" } ], "score": 3, "timestamp": "2025-03-07 06:19:00" }, { "author": "Mynsare", "body": "Kenshi.", "replies": [ { "author": "zackmophobes", "body": "Doesn't that one have an amazing soundtrack? I'd feel kinda bad playing it on mute.", "replies": [], "score": 1, "timestamp": "2025-03-07 08:05:12" } ], "score": 2, "timestamp": "2025-03-07 08:02:27" }, { "author": "BosPaladinSix", "body": "I am so confused, if Doom Eternal is on the table then it would seem like everything else could be too?", "replies": [ { "author": "zackmophobes", "body": "I might have messed up listing that as an example I haven't played it yet and don't know how much the voice lines and story matter. RDR2 is off the table for example because I want to enjoy the voice acting and music.\nIf Killing floor two or Vermintide were pauseable I'd play those a bunch. Love the action and voice lines don't matter, but they are not. I did play Doom 2016 and had a great time with that. There were subtitles for the sparse story lines and the rest of the audio didn't matter much, I assumed Eternal was similar IDK.", "replies": [ { "author": "BosPaladinSix", "body": "Huh, alrighty then. Enter The Gungeon or Broforce might interest you? They don't have super deep stories but they're a lot of fun and very easy to pick up/put down.", "replies": [ { "author": "zackmophobes", "body": "Enter the Gungeon is on my wishlist, will def look up broforce. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 08:20:17" } ], "score": 2, "timestamp": "2025-03-07 08:18:30" } ], "score": 2, "timestamp": "2025-03-07 08:14:59" } ], "score": 2, "timestamp": "2025-03-07 08:09:32" }, { "author": "OGMemecenterDweller", "body": "Risk of Rain 2", "replies": [ { "author": "zackmophobes", "body": "Ooh interesting art style. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 09:55:46" } ], "score": 2, "timestamp": "2025-03-07 09:32:19" }, { "author": "QueenSketti", "body": "How about you dont game while working like wtf", "replies": [ { "author": "zackmophobes", "body": "🤣", "replies": [], "score": 1, "timestamp": "2025-03-07 06:39:43" } ], "score": 5, "timestamp": "2025-03-07 06:37:20" }, { "author": "potkoorook", "body": "Play whatever you like. \nPress 'pause' when you need to deal with a client. \nHow is this hard?", "replies": [ { "author": "zackmophobes", "body": "I do. It's not. \nYou are rude.", "replies": [ { "author": "potkoorook", "body": "Why are you asking this question, then? You already know the answer.", "replies": [ { "author": "zackmophobes", "body": "You ever get bored playing the games you do? I want new ones that I hadnt thought of. The circumstance of not being able to listen to the game is annoying to me and its hard to know which ones the audio doesn't matter at all, so I reached out to the community to see. Simple as. Do any come to mind?", "replies": [ { "author": "potkoorook", "body": "I'm sorry for being 'rude'. \nIf you can't stop playing your game when you are dealing with a client, I feel sorry for your employer. \nPersonally I would sack you. I would copy this thread and forward it to any employer who asked me for a reference.", "replies": [ { "author": "zackmophobes", "body": "Yeah that scans. I take my job very seriously and I do really welll, my boss is a huge gamer too. Not sure how you came to the conclusion that I cant stop playing when duty calls, pausing is a very important part of my request here for that exact reason. Sucks that you have nothing of value to add. I hope your life is better than your outlook.", "replies": [ { "author": "potkoorook", "body": "I also take my business seriously. That's why I don't allow employees to play games on company time. \nYou have already told us that you can't concentrate on your work and play games in your post. Did you actually read it?", "replies": [ { "author": "zackmophobes", "body": "At no point did I say I can't concentrate. My job is remote and overnight and there is a lot of empty time waiting between things. I said that I need to respect the audio waves and that I need to be able to pause (to deal with work). Not sure what you are trying to prove or why I'm even engaging with you here when you clearly have nothing to add. \nI will also say that if you think your employees aren't playing games or on their phone or socializing during down time you are naive stupid or both.", "replies": [], "score": 3, "timestamp": "2025-03-07 10:15:10" } ], "score": 4, "timestamp": "2025-03-07 10:07:07" } ], "score": 3, "timestamp": "2025-03-07 09:38:08" } ], "score": 3, "timestamp": "2025-03-07 09:23:18" } ], "score": 2, "timestamp": "2025-03-07 09:01:10" } ], "score": 0, "timestamp": "2025-03-07 08:52:36" } ], "score": 1, "timestamp": "2025-03-07 08:06:16" } ], "score": 3, "timestamp": "2025-03-07 07:55:27" } ]	gaming	Art_Output_500posts.json
Asking for friend who needs some advice: car motor got fried by an oil change company, what is the financial next step.	zackmophobes	https://www.reddit.com/r/personalfinance/comments/1cmgv5y/asking_for_friend_who_needs_some_advice_car_motor/	0	15	Asking for my buddy who recently had some bad luck with his vehicle. It's a fairly new Ford escape and had zero issues before he got an oil change. The place he did it apparently didn't put oil in after draining it or didn't replace the plug correctly and upon driving it to work it stopped working. He took it to a mechanic who stated that the motor needs to be replaced. Vehicle is about 22k and financed. He is still paying on it and probably has paid off about 8k so far. The motor replacement will be about 10k. Insurance is declining to assist even though he had full coverage. I am asking for the financial advice in this situation. I welcome insights on how to handle this situation if anyone has had similar experiences but I do understand that is probably best asked to r/legaladvice and I will as well. But my question is: should he stop paying on this vehicle at this point? What makes financial sense.	2024-05-07T17:02:32	[ { "author": "Careful-Rent5779", "body": "Lawyer up. Oil change company is not going to eat this without a fight.\n\nShould have already taken a picture of the oil pan to document if the plug was in place or not. Get a statement/date/name and whatever else from the second mechanic ASAP. Keep all the records, you definitely need the oil change companies receipt (having only driven 20 miles before the failure will work in your favor). Owner should continue payments, its not the lienholders responsibility and even if the car was respossed the debt is still owed.\n\nHow long did your friend drive around with the oil light on? Just ask'n", "replies": [ { "author": "zackmophobes", "body": "Afaik it stopped working on the way to work from the oil place (20 min drive)", "replies": [ { "author": "After-Jellyfish5094", "body": "We don't need this information. Tell your buddy to do the above.", "replies": [ { "author": "zackmophobes", "body": "I was just answering the guy who was asking me 🤷‍♂️", "replies": [], "score": 1, "timestamp": "2024-05-07 19:23:20" } ], "score": -7, "timestamp": "2024-05-07 19:13:55" } ], "score": 1, "timestamp": "2024-05-07 17:36:49" } ], "score": 12, "timestamp": "2024-05-07 17:23:04" }, { "author": "froggertwenty", "body": "I have some doubts about this story. There is a reason they pull the dipstick and check your oil pressure with you before you pull away. Not to mention the car will absolutely tell you if you don't have oil pressure. Did he just continue driving through that? \n\nBut yes, he still owes that money. Doubtful a lawsuit with the oil change company goes anywhere because they will just point to the procedures I outlined above which is their cover their ass for this exact scenario. If they didnt reinstall the drain plug they would have not only seen the car draining oil as you pulled forward but the guy in the pit would have been getting an oil shower.", "replies": [ { "author": "zackmophobes", "body": "Yeah it's odd for sure I think I would have noticed mechanical issues developing while driving but this is what he swears happened and stated that the guy did the dipstick check. Thanks for the answer.", "replies": [ { "author": "froggertwenty", "body": "Very likely that this is the same case as it usually is when someone gets something down to their car, something fails and they blame it on the work done. \n\nMy favorite when I did mechanic work was someone swearing and suing us because we changed their air filter and their wheel bearing went the next day.....yep definitely the air filter change we did....\n\nIf the dipstick was correct when they checked with him, it has oil and wasn't draining on the guy in the pit. So the oil was added and the plug was in place.", "replies": [], "score": 1, "timestamp": "2024-05-07 18:13:39" } ], "score": 2, "timestamp": "2024-05-07 18:10:23" } ], "score": 1, "timestamp": "2024-05-07 18:05:52" } ]	entrepreneur	Art_Output_500posts.json
Is it better for credit score to have high usage or low usage monthly?	zackmophobes	https://www.reddit.com/r/personalfinance/comments/1az6aa9/is_it_better_for_credit_score_to_have_high_usage/	0	13	Title, but basically lets say there is a credit line of 1000 available monthly and the goal is to build credit score in a healthy way. Is it better to have one reccurring $20 charge montly on it (super low usage) or just put all spending on it up to near the limit monthly (super high usage)? Repayment is not an issue and would be done in full monthly for both situations. Thank you for your time. Edit: solved, thank you for the answers.	2024-02-24T21:43:01	[ { "author": "ahj3939", "body": "The lower the reported usage the higher your credit scores will be. This will allow you to be approved for higher credit limits when you ask as well as new accounts.\n\nRemember that most banks only report your statement balance once a month.", "replies": [ { "author": "zackmophobes", "body": "So wait it does have some bearing? Now I'm confused.", "replies": [ { "author": "t-poke", "body": "Read this, it answers your questions and then some:\n\nhttps://old.reddit.com/r/personalfinance/comments/11jzhcz/im_teaching_financial_literacy_and_the_basics_of/jb51g23/", "replies": [ { "author": "zackmophobes", "body": "thank you I will do that now", "replies": [], "score": 1, "timestamp": "2024-02-24 22:22:37" } ], "score": 2, "timestamp": "2024-02-24 22:07:25" } ], "score": 1, "timestamp": "2024-02-24 22:02:35" } ], "score": 2, "timestamp": "2024-02-24 22:01:02" }, { "author": "MarcableFluke", "body": "You're overthinking it. Credit usage has no memory when it comes to your credit score.", "replies": [ { "author": "zackmophobes", "body": "ok cool thanks. so as long as full balance is paid monthly that doesnt matter?", "replies": [ { "author": "MarcableFluke", "body": "Correct", "replies": [ { "author": "zackmophobes", "body": "much appreciated cheers", "replies": [], "score": 1, "timestamp": "2024-02-24 21:47:57" } ], "score": 2, "timestamp": "2024-02-24 21:47:05" } ], "score": 1, "timestamp": "2024-02-24 21:46:28" } ], "score": 1, "timestamp": "2024-02-24 21:45:01" } ]	entrepreneur	Art_Output_500posts.json
Good games for restricted audio environment?	zackmophobes	https://www.reddit.com/r/gaming/comments/1j5gyyj/good_games_for_restricted_audio_environment/	0	42	I have a remote job answering phones and need to respect the audio waves so that I don't have background noise. I want some good game recommendations where the audio is not needed for a good experience. I know I can just mute the game but I can't play any story driven games with good voice acting as I would feel like I am missing out, I will play those when I'm not working. I'm looking for pauseable engaging games that I can play on mute without losing much of the experience. I play all kinds of games, too many to list but recently been playing 7days to die (hard to play at work, I need to hear those zombies), FTL, Into the Breach, binding of Isaac (love this one), Hades, Slay the Spire, OSRS, good ol AoE2. I'm thinking Doom Eternal would be a good choice, I can pause it and there should be subtitles for the small bits of voice acting. What do y'all think would be fun and pauseable and able to play muted? 🎮	2025-03-07T06:13:14	[ { "author": "balugabe", "body": "Civilization. Honestly though most strategy games, real time or turn based", "replies": [ { "author": "zackmophobes", "body": "I don't know why but I just cannot get into Civ. I tried on many versions and it's just not for me. \n\nI enjoy games like Fire Emblem or Final Fantasy Tactics and Age of Empires but the diplomacy games don't do it for me.", "replies": [ { "author": "balugabe", "body": "Maybe Xcom? You mentioned Doom eternal, but that's a game you need to be locked in to play", "replies": [], "score": 6, "timestamp": "2025-03-07 06:28:00" }, { "author": "ConfusedAdmin53", "body": "Diplomacy in Civ is conducted at the tip of a sword.", "replies": [], "score": 2, "timestamp": "2025-03-07 13:54:48" } ], "score": 2, "timestamp": "2025-03-07 06:23:58" } ], "score": 12, "timestamp": "2025-03-07 06:20:59" }, { "author": "IcyColdFyre", "body": "Balatro", "replies": [ { "author": "zackmophobes", "body": "Ooh good call", "replies": [], "score": 3, "timestamp": "2025-03-07 06:19:09" } ], "score": 12, "timestamp": "2025-03-07 06:17:10" }, { "author": "bobthemutant", "body": "Terraria. No story, no voice acting, and only a few enemies and other things with sound cues, but nothing so important that gameplay will be seriously impacted. The modding scene is amazing and several mods are worth doing an entire separate playthrough of if you finish vanilla and want more.\n\nBug Fables. I'll never not take an opportunity to simp for this game. It's a spiritual successor to the classic Paper Mario RPGs. It is a story focused game, but there's no voice acting so all dialogue is text. It has charming music and sound effects, but playability isn't impacted by playing mute.\n\nRisk of Rain 2. I haven't played it since Gearbox took it over, but it's a satisfying roguelike that wants you to break it. Lots of character and build variety, no story or voice acting, good OST you might miss out on but otherwise no majorly important sound cues.\n\nVampire Survivor. Personally haven't played this, but most of my friends have and it was their top pick for 'brain off and chill out' games to play while watching a movie or doing something else. There are loads of 'vampire survivor-likes' that flooded steam after its success if you're looking for something similar with different themes.\n\nValheim. Easily my favorite 3d action/survival/craft game since Minecraft. Like Terraria its progression is structured around defeating bosses. Unlike Terraria it's much more about the classic survival elements of exploring, gathering, and crafting. \n\nIf you enjoy building you can spend hundreds of hours making elaborate bases. There's a decent modding community, though the mods aren't nearly as extensive as Minecraft or Terraria.\n\nCore Keeper. A charming top-down perspective Terraria-adjacent survival/craft/exploration game that's more heavily weighted towards exploration and resource gathering. It's a great deal simpler than Terraria, but follows a similar style of progression. No voice acting, good OST, only a handful of gameplay related sound cues.\n\nDungeon Defenders. I feel old saying it, but by now this is a classic. It's an RPG-lite Tower defense game with a variety of character classes and diablo-esque loot drops to increase your character's stats. Story is a throwaway excuse for the setting/themes and doesn't matter in the slightest. \n\nIt's not a pure tower defense game in that you'll be actively participating in the fighting and managing your defenses after a build phase. To this day is still regularly getting new updates. It has extensive end-game content, but is still great fun to play through even if you don't chase the hardest difficulties and challenge maps.", "replies": [ { "author": "zackmophobes", "body": "Yo these are some solid recs thanks. I have hundreds of hours in Valheim and Terraria and getting on up there in Vampire Survivors. Def gonna check the others out tyvm.", "replies": [], "score": 3, "timestamp": "2025-03-07 08:03:57" } ], "score": 4, "timestamp": "2025-03-07 08:01:17" }, { "author": "ZehTorres", "body": "How about Vassal? Vassal is a free program to play boardgames. They have a good catalogue of solo games", "replies": [ { "author": "zackmophobes", "body": "I'll give it a look, I also have tabletop simulator which has some great auto setup options and single player board games too. \n\nOn first glance Vassal seems like a great tool especially for my tabletop game group and we are about to start a new campaign. Thank you for the recommendation!", "replies": [], "score": 1, "timestamp": "2025-03-07 06:21:26" } ], "score": 3, "timestamp": "2025-03-07 06:19:00" }, { "author": "Mynsare", "body": "Kenshi.", "replies": [ { "author": "zackmophobes", "body": "Doesn't that one have an amazing soundtrack? I'd feel kinda bad playing it on mute.", "replies": [], "score": 1, "timestamp": "2025-03-07 08:05:12" } ], "score": 2, "timestamp": "2025-03-07 08:02:27" }, { "author": "BosPaladinSix", "body": "I am so confused, if Doom Eternal is on the table then it would seem like everything else could be too?", "replies": [ { "author": "zackmophobes", "body": "I might have messed up listing that as an example I haven't played it yet and don't know how much the voice lines and story matter. RDR2 is off the table for example because I want to enjoy the voice acting and music.\nIf Killing floor two or Vermintide were pauseable I'd play those a bunch. Love the action and voice lines don't matter, but they are not. I did play Doom 2016 and had a great time with that. There were subtitles for the sparse story lines and the rest of the audio didn't matter much, I assumed Eternal was similar IDK.", "replies": [ { "author": "BosPaladinSix", "body": "Huh, alrighty then. Enter The Gungeon or Broforce might interest you? They don't have super deep stories but they're a lot of fun and very easy to pick up/put down.", "replies": [ { "author": "zackmophobes", "body": "Enter the Gungeon is on my wishlist, will def look up broforce. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 08:20:17" } ], "score": 2, "timestamp": "2025-03-07 08:18:30" } ], "score": 2, "timestamp": "2025-03-07 08:14:59" } ], "score": 2, "timestamp": "2025-03-07 08:09:32" }, { "author": "OGMemecenterDweller", "body": "Risk of Rain 2", "replies": [ { "author": "zackmophobes", "body": "Ooh interesting art style. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 09:55:46" } ], "score": 2, "timestamp": "2025-03-07 09:32:19" }, { "author": "QueenSketti", "body": "How about you dont game while working like wtf", "replies": [ { "author": "zackmophobes", "body": "🤣", "replies": [], "score": 1, "timestamp": "2025-03-07 06:39:43" } ], "score": 5, "timestamp": "2025-03-07 06:37:20" }, { "author": "potkoorook", "body": "Play whatever you like. \nPress 'pause' when you need to deal with a client. \nHow is this hard?", "replies": [ { "author": "zackmophobes", "body": "I do. It's not. \nYou are rude.", "replies": [ { "author": "potkoorook", "body": "Why are you asking this question, then? You already know the answer.", "replies": [ { "author": "zackmophobes", "body": "You ever get bored playing the games you do? I want new ones that I hadnt thought of. The circumstance of not being able to listen to the game is annoying to me and its hard to know which ones the audio doesn't matter at all, so I reached out to the community to see. Simple as. Do any come to mind?", "replies": [ { "author": "potkoorook", "body": "I'm sorry for being 'rude'. \nIf you can't stop playing your game when you are dealing with a client, I feel sorry for your employer. \nPersonally I would sack you. I would copy this thread and forward it to any employer who asked me for a reference.", "replies": [ { "author": "zackmophobes", "body": "Yeah that scans. I take my job very seriously and I do really welll, my boss is a huge gamer too. Not sure how you came to the conclusion that I cant stop playing when duty calls, pausing is a very important part of my request here for that exact reason. Sucks that you have nothing of value to add. I hope your life is better than your outlook.", "replies": [ { "author": "potkoorook", "body": "I also take my business seriously. That's why I don't allow employees to play games on company time. \nYou have already told us that you can't concentrate on your work and play games in your post. Did you actually read it?", "replies": [ { "author": "zackmophobes", "body": "At no point did I say I can't concentrate. My job is remote and overnight and there is a lot of empty time waiting between things. I said that I need to respect the audio waves and that I need to be able to pause (to deal with work). Not sure what you are trying to prove or why I'm even engaging with you here when you clearly have nothing to add. \nI will also say that if you think your employees aren't playing games or on their phone or socializing during down time you are naive stupid or both.", "replies": [], "score": 3, "timestamp": "2025-03-07 10:15:10" } ], "score": 3, "timestamp": "2025-03-07 10:07:07" } ], "score": 3, "timestamp": "2025-03-07 09:38:08" } ], "score": 2, "timestamp": "2025-03-07 09:23:18" } ], "score": 5, "timestamp": "2025-03-07 09:01:10" } ], "score": 1, "timestamp": "2025-03-07 08:52:36" } ], "score": -1, "timestamp": "2025-03-07 08:06:16" } ], "score": 3, "timestamp": "2025-03-07 07:55:27" } ]	movies	movies_Output_500posts.json
Asking for friend who needs some advice: car motor got fried by an oil change company, what is the financial next step.	zackmophobes	https://www.reddit.com/r/personalfinance/comments/1cmgv5y/asking_for_friend_who_needs_some_advice_car_motor/	0	15	Asking for my buddy who recently had some bad luck with his vehicle. It's a fairly new Ford escape and had zero issues before he got an oil change. The place he did it apparently didn't put oil in after draining it or didn't replace the plug correctly and upon driving it to work it stopped working. He took it to a mechanic who stated that the motor needs to be replaced. Vehicle is about 22k and financed. He is still paying on it and probably has paid off about 8k so far. The motor replacement will be about 10k. Insurance is declining to assist even though he had full coverage. I am asking for the financial advice in this situation. I welcome insights on how to handle this situation if anyone has had similar experiences but I do understand that is probably best asked to r/legaladvice and I will as well. But my question is: should he stop paying on this vehicle at this point? What makes financial sense.	2024-05-07T17:02:32	[ { "author": "Careful-Rent5779", "body": "Lawyer up. Oil change company is not going to eat this without a fight.\n\nShould have already taken a picture of the oil pan to document if the plug was in place or not. Get a statement/date/name and whatever else from the second mechanic ASAP. Keep all the records, you definitely need the oil change companies receipt (having only driven 20 miles before the failure will work in your favor). Owner should continue payments, its not the lienholders responsibility and even if the car was respossed the debt is still owed.\n\nHow long did your friend drive around with the oil light on? Just ask'n", "replies": [ { "author": "zackmophobes", "body": "Afaik it stopped working on the way to work from the oil place (20 min drive)", "replies": [ { "author": "After-Jellyfish5094", "body": "We don't need this information. Tell your buddy to do the above.", "replies": [ { "author": "zackmophobes", "body": "I was just answering the guy who was asking me 🤷‍♂️", "replies": [], "score": 1, "timestamp": "2024-05-07 19:23:20" } ], "score": -7, "timestamp": "2024-05-07 19:13:55" } ], "score": 1, "timestamp": "2024-05-07 17:36:49" } ], "score": 11, "timestamp": "2024-05-07 17:23:04" }, { "author": "froggertwenty", "body": "I have some doubts about this story. There is a reason they pull the dipstick and check your oil pressure with you before you pull away. Not to mention the car will absolutely tell you if you don't have oil pressure. Did he just continue driving through that? \n\nBut yes, he still owes that money. Doubtful a lawsuit with the oil change company goes anywhere because they will just point to the procedures I outlined above which is their cover their ass for this exact scenario. If they didnt reinstall the drain plug they would have not only seen the car draining oil as you pulled forward but the guy in the pit would have been getting an oil shower.", "replies": [ { "author": "zackmophobes", "body": "Yeah it's odd for sure I think I would have noticed mechanical issues developing while driving but this is what he swears happened and stated that the guy did the dipstick check. Thanks for the answer.", "replies": [ { "author": "froggertwenty", "body": "Very likely that this is the same case as it usually is when someone gets something down to their car, something fails and they blame it on the work done. \n\nMy favorite when I did mechanic work was someone swearing and suing us because we changed their air filter and their wheel bearing went the next day.....yep definitely the air filter change we did....\n\nIf the dipstick was correct when they checked with him, it has oil and wasn't draining on the guy in the pit. So the oil was added and the plug was in place.", "replies": [], "score": 1, "timestamp": "2024-05-07 18:13:39" } ], "score": 2, "timestamp": "2024-05-07 18:10:23" } ], "score": 1, "timestamp": "2024-05-07 18:05:52" } ]	movies	movies_Output_500posts.json
Is it better for credit score to have high usage or low usage monthly?	zackmophobes	https://www.reddit.com/r/personalfinance/comments/1az6aa9/is_it_better_for_credit_score_to_have_high_usage/	0	13	Title, but basically lets say there is a credit line of 1000 available monthly and the goal is to build credit score in a healthy way. Is it better to have one reccurring $20 charge montly on it (super low usage) or just put all spending on it up to near the limit monthly (super high usage)? Repayment is not an issue and would be done in full monthly for both situations. Thank you for your time. Edit: solved, thank you for the answers.	2024-02-24T21:43:01	[ { "author": "ahj3939", "body": "The lower the reported usage the higher your credit scores will be. This will allow you to be approved for higher credit limits when you ask as well as new accounts.\n\nRemember that most banks only report your statement balance once a month.", "replies": [ { "author": "zackmophobes", "body": "So wait it does have some bearing? Now I'm confused.", "replies": [ { "author": "t-poke", "body": "Read this, it answers your questions and then some:\n\nhttps://old.reddit.com/r/personalfinance/comments/11jzhcz/im_teaching_financial_literacy_and_the_basics_of/jb51g23/", "replies": [ { "author": "zackmophobes", "body": "thank you I will do that now", "replies": [], "score": 1, "timestamp": "2024-02-24 22:22:37" } ], "score": 2, "timestamp": "2024-02-24 22:07:25" } ], "score": 1, "timestamp": "2024-02-24 22:02:35" } ], "score": 2, "timestamp": "2024-02-24 22:01:02" }, { "author": "MarcableFluke", "body": "You're overthinking it. Credit usage has no memory when it comes to your credit score.", "replies": [ { "author": "zackmophobes", "body": "ok cool thanks. so as long as full balance is paid monthly that doesnt matter?", "replies": [ { "author": "MarcableFluke", "body": "Correct", "replies": [ { "author": "zackmophobes", "body": "much appreciated cheers", "replies": [], "score": 1, "timestamp": "2024-02-24 21:47:57" } ], "score": 2, "timestamp": "2024-02-24 21:47:05" } ], "score": 1, "timestamp": "2024-02-24 21:46:28" } ], "score": 1, "timestamp": "2024-02-24 21:45:01" } ]	movies	movies_Output_500posts.json
Wondering if someone else is in a position similar to my own...	360walkaway	https://www.reddit.com/r/personalfinance/comments/adyjjf/wondering_if_someone_else_is_in_a_position/	2	6	So my wife and I are thinking of buying a house, but there are a lot of obstacles in the way - we live in California, so the mortgage would be at least $4000/month most likely - my wife is teacher, which means 2/3 of the income comes from my pay - I have end-stage kidney disease, which means when/if I get a kidney transplant I'll have to pay roughly $1000/month for medications for the rest of my life - property tax is typically over $10000/year I know what the obvious choice is: move to a different state. But the thing is that I love where I work and they've been really good to me, and I doubt I'll be in a position like this again. I keep hoping that they'll open up a satellite in a lower-cost state (Nevada would be ideal) but that's just hoping at this point. Any suggestions?	2019-01-08T20:26:59	[ { "author": null, "body": "[deleted]", "replies": [ { "author": "360walkaway", "body": "Too bad I don't make $500k/year", "replies": [], "score": -1, "timestamp": "2019-01-08 21:05:43" } ], "score": 4, "timestamp": "2019-01-08 20:40:26" }, { "author": "cpa-grind", "body": "Why do you need to buy? Are you renting now? Does it make financial sense to buy?", "replies": [ { "author": "360walkaway", "body": "Yea I'm renting now obviously, but it's just throwing money down the toilet every month. My current rent is $2100/month for a 1br/1ba, and that's considered a steal. I'd like to build equity instead of just living in some guy's apartment all our life.\n\nThe sad part is that a LOT of my family members own a lot of rental properties, know how hard it is to buy a house right now, know my current situation, and still don't try to help. They just shrug their shoulders and go \"oh it's tough to buy a house right now\". This one uncle of mine has at least a dozen rental properties on his own.", "replies": [], "score": -2, "timestamp": "2019-01-08 21:06:36" } ], "score": 1, "timestamp": "2019-01-08 20:36:30" } ]	entrepreneur	Art_Output_500posts.json
Started exercising (jogging and weights). Why am I gaining weight?	360walkaway	https://www.reddit.com/r/Fitness/comments/4rs8sr/started_exercising_jogging_and_weights_why_am_i/	0	21	At least three times a week, I go jogging and do a little bit of weight training on my arms and legs. The whole routine takes about 45 minutes, and I'm usually out of breath most of the time so I know I'm not half-assing it. But my weight is starting to go up instead of down. Shouldn't mainly cardio and weights (lots of reps, not maxing) result in weight loss little by little? Edit: Diet... Breakfast - eggs or cereal Lunch - half a turkey sandwich (turkey, mayo, onions, sriracha) Dinner - usually a salad or white meat/vegetables, and water Snack - yogurt once a day, maybe a bit of fruit... typically around 2PM Water throughout the day	2016-07-08T01:53:20	[ { "author": "hey___fuck_you", "body": "Because you're eating too much. ", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [ { "author": "hey___fuck_you", "body": "Okay. You're eating too much ", "replies": [ { "author": "360walkaway", "body": "What do you suggest then?", "replies": [ { "author": "hey___fuck_you", "body": "Eat less", "replies": [ { "author": null, "body": "This comment chain is glorious.", "replies": [], "score": 1, "timestamp": "2016-07-08 06:50:06" } ], "score": 4, "timestamp": "2016-07-08 02:59:01" } ], "score": 1, "timestamp": "2016-07-08 02:55:48" } ], "score": 7, "timestamp": "2016-07-08 02:54:59" } ], "score": 1, "timestamp": "2016-07-08 02:51:33" } ], "score": 10, "timestamp": "2016-07-08 01:54:28" }, { "author": null, "body": "You can't out run a shitty diet. Eat less. ", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [], "score": 1, "timestamp": "2016-07-08 02:51:37" } ], "score": 2, "timestamp": "2016-07-08 01:55:20" }, { "author": null, "body": "Post details about your diet and then we'll see.", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [ { "author": null, "body": "But how much of each? The total calories is the key. If you're putting on weight, it's because your body is storing excess calories that you're not using day to day. It's that simple. ", "replies": [], "score": 1, "timestamp": "2016-07-10 05:53:21" } ], "score": 1, "timestamp": "2016-07-08 02:51:39" } ], "score": 2, "timestamp": "2016-07-08 02:24:47" }, { "author": "LieutenantLoge", "body": "Count calories. Eat less. Read the wiki.", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [ { "author": "LieutenantLoge", "body": "But you still aren't counting calories. That's what counts. Calories in, calories out.", "replies": [ { "author": "360walkaway", "body": "I have a pedometer on my phone that approximates my calories out. It's been about 2300 calories/day on average.", "replies": [ { "author": "LieutenantLoge", "body": "That is extremely inaccurate. Calculate your TDEE (look it up), and then subtract 500 calories from your maintenance. There is no way you burn 2300 a day off of exercise alone. ", "replies": [ { "author": "360walkaway", "body": "No, that's counting inactive calories as well. Active calories are around 650.", "replies": [ { "author": "LieutenantLoge", "body": "So count calories, and eat 500 calories less than that.", "replies": [], "score": 1, "timestamp": "2016-07-08 03:13:25" }, { "author": "Galivis", "body": "Count your calories, ignore the calories burned from our pedometer as it is not accurate, and eat 500 calories less than what you calculate from a TDEE calculator. If you are still gaining weight after 2-3 weeks, reduce your calories further.", "replies": [], "score": 1, "timestamp": "2016-07-08 10:10:57" } ], "score": -1, "timestamp": "2016-07-08 03:05:26" } ], "score": 1, "timestamp": "2016-07-08 02:57:10" } ], "score": 1, "timestamp": "2016-07-08 02:54:46" } ], "score": 2, "timestamp": "2016-07-08 02:53:36" } ], "score": 1, "timestamp": "2016-07-08 02:51:43" } ], "score": 1, "timestamp": "2016-07-08 02:26:16" } ]	science	Art_Output_500posts.json
Have to lose some weight for an upcoming surgery... trying out a "starvation diet". Need tips.	360walkaway	https://www.reddit.com/r/Fitness/comments/434p6d/have_to_lose_some_weight_for_an_upcoming_surgery/	0	14	I have PKD (renal failure) and will have to have a catheter installed in my stomach soon... within two months most likely. My nephrologist said that it'd be best to lose more weight to make installation of the catheter easier. As a way to help facilitate this, I'm going to try a starvation diet. No, I'm not going to literally starve myself. Just very minimal food intake: Breakfast: - one egg sunnyside up with fresh ground pepper - sourdough toast - cereal with almond milk Lunch - naked turkey sandwich (turkey, one slice of cheese, mustard) - one can of ginger ale Dinner - small chicken or fish filet with vegetables Lots of water throughout the day. Next week I'm to start going to a nearby running track where I'll walk laps as well as run bleacher stairs. Any additional tips/help that you guys can give would be appreciated.	2016-01-28T18:51:53	[ { "author": "H-bizzle", "body": "Run it by your doc. Renal failure can mess with a lot of different systems and starving yourself may not be the best approach.", "replies": [ { "author": "360walkaway", "body": "My doctor put me on a low potassium/calcium diet already, so I know what to avoid eating.", "replies": [], "score": 1, "timestamp": "2016-01-28 21:09:40" } ], "score": 3, "timestamp": "2016-01-28 18:53:19" }, { "author": "insurrecto", "body": "This comment has been overwritten by an open source script to protect this user's privacy. \n\n If you would like to do the same, add the browser extension [GreaseMonkey](https://addons.mozilla.org/en-us/firefox/addon/greasemonkey/) to Firefox and add [this open source script](https://greasyfork.org/en/scripts/10380-reddit-overwrite). \n\n Then simply click on your username on Reddit, go to the comments tab, and hit the new OVERWRITE button at the top.", "replies": [ { "author": "360walkaway", "body": "Doctor already put me on a low potassium/calcium diet.", "replies": [ { "author": "insurrecto", "body": "This comment has been overwritten by an open source script to protect this user's privacy. \n\n If you would like to do the same, add the browser extension [GreaseMonkey](https://addons.mozilla.org/en-us/firefox/addon/greasemonkey/) to Firefox and add [this open source script](https://greasyfork.org/en/scripts/10380-reddit-overwrite). \n\n Then simply click on your username on Reddit, go to the comments tab, and hit the new OVERWRITE button at the top.", "replies": [ { "author": "360walkaway", "body": "I've already run it by them. They said it's okay to do this, but I was looking for more detailed info here.", "replies": [], "score": 1, "timestamp": "2016-01-28 21:10:04" } ], "score": 1, "timestamp": "2016-01-28 21:05:02" } ], "score": 1, "timestamp": "2016-01-28 20:57:41" } ], "score": 3, "timestamp": "2016-01-28 19:16:16" }, { "author": "Fitztastical", "body": "[Read the FAQs](http://www.reddit.com/r/Fitness/wiki/getting_started#wiki_fixing_your_diet). They cover this.\n\nDon't eat further than 1k calories below your TDEE. If you don't understand what I just told you - read the FAQs.", "replies": [ { "author": "360walkaway", "body": "Thanks for this.", "replies": [], "score": 1, "timestamp": "2016-01-28 21:01:16" } ], "score": 2, "timestamp": "2016-01-28 18:53:45" }, { "author": "darthball-z", "body": "What is your height, weight, age and activity level? ", "replies": [ { "author": "360walkaway", "body": "6'2\", 245, moderate.", "replies": [], "score": 1, "timestamp": "2016-01-28 20:58:14" } ], "score": 2, "timestamp": "2016-01-28 19:08:43" } ]	technology	Art_Output_500posts.json
Probably have plantar fasciitis (found out the hard way)... any suggestions for exercising without getting body-crushing pain for days?	360walkaway	https://www.reddit.com/r/Fitness/comments/3q81q0/probably_have_plantar_fasciitis_found_out_the/	9	24	I recently started walking at a local track every day after work, as well as running some bleacher steps. After a couple of days, it hurt to even do basic walking at work. I researched it and something called "plantar fasciitis" is the most likely culprit. For those who don't know: http://www.mayoclinic.org/diseases-conditions/plantar-fasciitis/basics/definition/con-20025664 What's weird is that this is a recent development. I played basketball and ran some track throughout high school and never felt any problems like this, and the pains aren't normal muscle soreness (I know that feeling all too well). Any suggestions for a kind of cardio-style exercise that isn't tough on the ankles and heels? I'm trying to set up an appointment with a doctor to check this out, but I don't want to rest too long and lose any momentum I'd gained from the walking/steps recently.	2015-10-26T01:34:51	[ { "author": null, "body": "The reason you got plantarfasciitis is almost certainly because you're climbing those bleacher steps on the balls of your feet. When you climb steps, make sure your whole foot lands on the step and your heel touches the step for a moment each time you plant your foot. I bet you climb steps mostly on the balls of your feet and this just creates constant tension in that plantarfascia which irritates it and leads to inflammation. Also you recently experienced a significant increase in volume on that part of your body, which contributes to acute pain", "replies": [ { "author": "360walkaway", "body": "When I'm climbing steps, met feet are usually shaped like I'm walking on my tip-toes. Maybe there's too much strain on the heel because of that...? I dunno.", "replies": [ { "author": null, "body": "That's exactly what I said. Balls of feet are analogous to the knuckles of your feet. Take 4 or 5 days off stair climbing and then begin climbing stairs properly, with a heel strike rather than on your toes", "replies": [], "score": 3, "timestamp": "2015-10-26 02:57:24" } ], "score": 2, "timestamp": "2015-10-26 02:43:18" } ], "score": 4, "timestamp": "2015-10-26 02:27:33" }, { "author": "adraffy", "body": "Foot pain is very opaque because there's like a zillion different things all that result in \"my foot hurts.\" And while seeing a podiatrist is a good first step, they are very limited in the care they can provide.\n\nI would consider experimenting with the following:\n\n* Tie your shoes at various levels of tightness\n* Tie your shoes with different weave patterns\n* Try different shoes and socks (thicknesses)\n\nCan you describe the source of the pain? And what parts of your feet hurt when running? Or when touched with your hand?", "replies": [ { "author": "360walkaway", "body": "The balls of my feet ache when I put weight on them. It feels like stabbing sensation kind of... it's gone down a little because I haven't done any heavy cardio since Wednesday.", "replies": [ { "author": "adraffy", "body": "I had foot pain earlier in the year. I thought it was plantar fasciitis. I saw a podiatrist a few times, got X-rays, did some stride/step analysis, got custom orthotics molded, spent a lot of money (even with insurance), and was very disappointed with the result. They felt strange while riding my bike. I couldn't wear them in my soccer cleats. They weighed too much relative to my running shoes (so they were very noticeable.) And it didn't alleviate the problem. \n\nThe solution? I greatly loosened my how tight I tie my shoes to where I can slip them on/off without adjusting the laces. A better lacing pattern, which would reduce compression over the top of my foot, would of probably worked too. Apparently, my feet splay when I land and the tightness along the side was transferring significant pain to my arch/toes/heel, and causing a lot of discomfort.\n\nIt would be strange if you had the same issue, but when I was in pain, it never crossed my mind to try looser lacing or different lacing patterns. ", "replies": [], "score": 1, "timestamp": "2015-10-26 07:26:32" } ], "score": 2, "timestamp": "2015-10-26 05:53:07" } ], "score": 1, "timestamp": "2015-10-26 04:52:41" } ]	science	Art_Output_500posts.json
'Hamilton' Cast Makes Direct Plea to Mike Pence in Audience	PM_ME_YER_MUDFLAPS	http://www.nbcnews.com/politics/2016-election/hamilton-cast-makes-direct-plea-mike-pence-audience-n686116	179	19		2016-11-19T15:03:24	[ { "author": null, "body": "Civil liberties? Give me a break. You let Obama re-up the Patriot Act without one meaningful reform and watched as he droned American citizens overseas. You stood silent when Obama approved the sale of $1 billion worth of weapons to a regime that executes people for being gay. Where was the cast when those things were happening?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Pence cares for anyone who isn't white, straight, Protestant, or most importantly -rich.", "replies": [ { "author": null, "body": "That's not what I said. I didn't mention Pence. You didn't try to refute any of what I said by the way but thanks for the downvote!", "replies": [ { "author": "rawrandrauk", "body": "Considering this is an article about pence... stop deflecting.", "replies": [ { "author": null, "body": "I was responding to what the cast said in the article. That they were worried about their \"inalienable rights\". If they were so worried they should have spoken to our current president.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Flynn will have any issues droning folks in far away lands? I know the Obama administration was shitty about drone strikes and whistle blowers but when you think John Bolton is a good guy to pick for peace in the world? Like Sessions who couldn't get confirmed under Reagan is a shining example to hold up civil rights? And you dare call the actor a hypocrite? How do you know his position on drone strikes?", "replies": [], "score": 7, "timestamp": "2016-11-19 15:34:13" } ], "score": 0, "timestamp": "2016-11-19 15:29:00" } ], "score": 16, "timestamp": "2016-11-19 15:25:27" } ], "score": -6, "timestamp": "2016-11-19 15:23:46" }, { "author": null, "body": "[removed]", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "troll them how? He just showed up expecting to be just part of the crowd but since he is (shudder) the VP Elect he hoped to get positive results? This really isn't making any sense. Maybe you could educate me and the 50% folks who didn't vote for the Cheetoh Of The United States.", "replies": [], "score": 1, "timestamp": "2016-11-20 05:43:01" } ], "score": -1, "timestamp": "2016-11-19 15:32:17" } ], "score": 21, "timestamp": "2016-11-19 15:22:03" } ], "score": -14, "timestamp": "2016-11-19 15:19:54" } ]	politics	Art_Output_500posts.json
Congratulations America! You've just elected a conspiracy mongering scientific ignoramus as President	PM_ME_YER_MUDFLAPS	http://scienceblogs.com/insolence/2016/11/10/congratulations-america-youve-just-elected-a-conspiracy-mongering-scientific-ignoramus-as-president/	76	61		2016-11-13T22:41:22	[ { "author": "mybosssdirtylaundry", "body": "Well to be fair most of us actually did not.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "True- in terms of popular vote I think he lost.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:36" }, { "author": null, "body": "Most of us didn't vote for a corruption-ridden corporate shill either. \n\nPlurality =/= Majority ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Which corporate shill did you vote for? I at least voted for the one who wasn't misogynist/racist/islamaphobic/anti-science.\n\nHillary was bringing the 400 block of Wall Street while trump is trolling down in the 600 block of Wall Street. If I am going to get screwed by special interests I would rather it come with a left handed stroke.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:03:03" } ], "score": 0, "timestamp": "2016-11-13 23:06:54" } ], "score": 25, "timestamp": "2016-11-13 22:44:50" }, { "author": "MolestedConservative", "body": "Trump will be the first president to confirm the existence of extraterrestrials. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Living in his sigmoid process no less.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:00" } ], "score": 5, "timestamp": "2016-11-13 22:51:27" }, { "author": "Feignfame", "body": "While true this article is not only a rambling rant of rage but also a obese oboe of obvious. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "What can I say, Orac is loquacious.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:55:11" } ], "score": 5, "timestamp": "2016-11-13 22:54:14" }, { "author": null, "body": "How much longer must I hear about this election. Hellppppppppppp meeeeeee", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "About another four years.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:06:28" } ], "score": 1, "timestamp": "2016-11-13 23:27:34" } ]	politics	Art_Output_500posts.json
League Of The South Hails Trump, Wants ‘No Mercy’ Towards ‘Jews, Minorities And Anti-White Whites’	PM_ME_YER_MUDFLAPS	http://www.rightwingwatch.org/post/league-of-the-south-hails-trump-wants-no-mercy-towards-jews-minorities-and-anti-white-whites/	950	300		2016-11-11T19:07:15	[ { "author": null, "body": "[deleted]", "replies": [ { "author": "gAlienLifeform", "body": "/r/CornbreadLiberals", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Cool.", "replies": [], "score": 3, "timestamp": "2016-11-11 19:45:52" } ], "score": 14, "timestamp": "2016-11-11 19:42:54" } ], "score": 50, "timestamp": "2016-11-11 19:23:05" }, { "author": "NoIWillNotYield", "body": "The scapegoating of Jews begins.", "replies": [ { "author": "Ecanonmics", "body": "But what about Palestine?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I think that Israel should stop building in the West Bank but I also would also fight a Kristallnacht. Unfortunately Israel isn't immune to the type of insanity that brought us Trump either.", "replies": [ { "author": "NoIWillNotYield", "body": "If you wait for a kristalnacht to fight it's gonna be way too late.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah - there doesn't seem to be one brewing in my neighborhood at the moment here in Plano but according to the Nazi's view my area has less of a Jew problem than it does a brown person problem.", "replies": [], "score": 5, "timestamp": "2016-11-11 20:59:00" } ], "score": 15, "timestamp": "2016-11-11 20:44:58" } ], "score": 18, "timestamp": "2016-11-11 20:14:48" } ], "score": 3, "timestamp": "2016-11-11 19:41:35" } ], "score": 132, "timestamp": "2016-11-11 19:10:40" }, { "author": "ozabelle", "body": "MAGA - to the tune of dixie too! whodathunkit? ", "replies": [ { "author": "Themostunderdisturb", "body": "Always find it weird that liberals are always the ones helping to spread the message of these crazy people.\n\nMakes you wonder...", "replies": [ { "author": "ozabelle", "body": "well yeah if we pretend they don't exist then they won't. like global warming? ", "replies": [ { "author": "Themostunderdisturb", "body": "So instead you choose to broadcast their message to an even larger audience than the few people who actually follow them and care what they say?", "replies": [ { "author": "ozabelle", "body": "i never understood sirens, either. i mean what for? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Magnets, how do they work?", "replies": [ { "author": null, "body": "[https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif](https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif)", "replies": [], "score": 3, "timestamp": "2016-11-11 19:27:19" }, { "author": "Cold417", "body": "MAGAnets.", "replies": [], "score": 1, "timestamp": "2016-11-11 20:04:58" } ], "score": 8, "timestamp": "2016-11-11 19:25:07" } ], "score": 25, "timestamp": "2016-11-11 19:18:57" } ], "score": -13, "timestamp": "2016-11-11 19:17:46" } ], "score": 42, "timestamp": "2016-11-11 19:15:43" }, { "author": null, "body": "It's called warning people.", "replies": [ { "author": "Themostunderdisturb", "body": "Sure it is, sure it is.", "replies": [ { "author": null, "body": "You can ignore it if you like. ", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah I tend to ignore racists.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah keep trying those failed regressives tactics of calling everyone a racists, it worked so well to elect Hillary Clinton!", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)\n\nDid you vote for trump?", "replies": [ { "author": "Themostunderdisturb", "body": "Johnson", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Great- Trump lite.", "replies": [], "score": 1, "timestamp": "2016-11-11 22:47:34" } ], "score": 1, "timestamp": "2016-11-11 22:25:58" } ], "score": 6, "timestamp": "2016-11-11 19:38:53" } ], "score": -6, "timestamp": "2016-11-11 19:37:58" } ], "score": 9, "timestamp": "2016-11-11 19:26:04" } ], "score": -1, "timestamp": "2016-11-11 19:22:18" } ], "score": 17, "timestamp": "2016-11-11 19:18:12" } ], "score": -19, "timestamp": "2016-11-11 19:16:10" } ], "score": 25, "timestamp": "2016-11-11 19:12:46" } ], "score": -30, "timestamp": "2016-11-11 19:12:09" } ], "score": 25, "timestamp": "2016-11-11 19:09:12" }, { "author": "inmemorieswetrust", "body": "Trump has no control over who supports him. He's already disavowed racists like this, he wants nothing to do with them.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Shasta-Daisies", "body": "Thanks for that link. It was a great explanation of what I've been trying to express.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, Scalzi is pretty good. I am debating trying to post that one in r/politics but it might skirt a little too far from the political.", "replies": [ { "author": "Shasta-Daisies", "body": "Well it is ok I think for the rules. Def far better than beardy duck commander type vlogs instructing people to just go on with their lives.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Giving it a shot- hopefully it sticks and gets a bit of traction. Nobody likes being called racist but when we look the other way we just encourage the problem to continue and fester and effectively encourage racism.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:52:53" } ], "score": 1, "timestamp": "2016-11-11 19:47:25" } ], "score": 5, "timestamp": "2016-11-11 19:36:08" } ], "score": 7, "timestamp": "2016-11-11 19:31:00" } ], "score": 8, "timestamp": "2016-11-11 19:19:51" } ], "score": -6, "timestamp": "2016-11-11 19:12:33" } ]	politics	Art_Output_500posts.json
Anti-LGBT groups are absolutely giddy about a Trump presidency	PM_ME_YER_MUDFLAPS	https://thinkprogress.org/trump-lgbt-brexit-effect-f4e62442e237#.wk9lxhixd	17	14		2016-11-11T18:07:12	[ { "author": "fridActs", "body": ">Social conservatives are excited for a Trump presidency (and Pence vice presidency), and they are already bragging about all of their plans to roll back LGBT equality. \n\nBe careful what your wish for. \n\nI don't get this legislating what folks do behind closed doors - but whatever.\n\nI \"hope\" those anti-LGBT people succeed. \n\nSee, I want that precedent. Then I can use it to ban irrational thinking - like believing in a deity. \n\nIt's a wonderful slippery slope for people like me who wants kooks who believe in some sky being that watches and see if they are naughty or nice - like Santa Claus. \n\nTheir laws will allow my ilk to ban their lifestyles - like believing in such nonsense as God.. \n\nHey, freedom of religion is OK, but eating of dead flesh - whether literal or metaphorically is illegal. \nAnd how about this marriage before sex. That should be made illegal. \n\nAnd let's regulate the bedroom some more shall we?\n\nTo prevent homosexuality, everyone will be forced to have sex with a same sex partner, videod, and examined to make sure they are not gay.\n\nVideos will be examined by our peers - yes please! \n\nLet's prevent all social deviance by spying on people. Shall we? \n\n", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Sighs, I was about to snark about trans-vaginal ultrasounds becoming mandatory for everyone as a religious more without any exceptions for current non-vagina owners since our new medical program would be installing them into them as part of our religious tenets and then I shuddered and realized that I was sounding like a centipede/4channer and stopped myself.\n\n", "replies": [ { "author": "fridActs", "body": "OK. That looked like you were making a point - and making one to me. \n\nBut it went over my head.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, it is like a vertical waffle, it doesn't know which side to come down on. ", "replies": [ { "author": "fridActs", "body": "Alright ... let continue - out of my curiosity. \n\nSay whaaat? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I am a bit frustrated with the election results and while I I want to lash out at what just happened I am also reflective enough to see how it changes my reactions. Kind of a Nietzsche abyss thing.\n\nAt the end of the day I am very [disappointed] (https://m.youtube.com/watch?v=84zY33QZO5o) in that portion of my fellow Americans who voted for Trump.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:02:55" } ], "score": 1, "timestamp": "2016-11-11 18:57:01" } ], "score": 1, "timestamp": "2016-11-11 18:52:04" } ], "score": 1, "timestamp": "2016-11-11 18:39:40" } ], "score": 1, "timestamp": "2016-11-11 18:36:10" } ], "score": 1, "timestamp": "2016-11-11 18:21:29" } ]	politics	Art_Output_500posts.json
Automation, the hitch in Trump and Clinton's plans to bring back manufacturing?	PM_ME_YER_MUDFLAPS	http://www.mcall.com/news/local/elections/mc-pa-jobs-economy-manufacturing-clinton-trump-2-20161022-story.html	41	99		2016-11-10T05:34:23	[ { "author": null, "body": "Trump's \"plan\" to bring back manufacturing was stupid and ill-informed to begin with. It's never going to happen. These jobs didn't \"leave\", they're not being stored somewhere that we can go retrieve them. The jobs don't exist anymore.\n\nThis is structural unemployment.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yep, that is the point. I wonder how happy his voters will be come June of 2017 when it starts becoming apparent that those job's ain't coming back.", "replies": [ { "author": "trolls_brigade", "body": "He will blame the congress and the Washington gridlock. He will ask for another 4 years to make it right. He will get a new mandate.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I am expecting his bread and circuses to run out somewhere around the end of his first year", "replies": [], "score": 1, "timestamp": "2016-11-10 13:07:55" } ], "score": 1, "timestamp": "2016-11-10 11:55:14" } ], "score": 6, "timestamp": "2016-11-10 05:44:37" }, { "author": "Plut0nian", "body": "Trump's plan is to end nafta. So if they build in mexico they are subject to import taxes and tariffs. That will keep manufacturing in the US.\n\nNafta is the reason they can so easily move the manufacturing to mexico.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "So they are going to move the robots from MX to the US?", "replies": [ { "author": "Plut0nian", "body": "No one movies equipment like that. Companies move when it is time to replace all their equipment with new stuff.\n\nWhen they move to mexico, they build state of the art factories in mexico. If they moved back, it will be when it is time to upgrade again.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "thank you for making my point.\n\nand how many years do you think it takes to depreciate a manufacturing robot? If I remember my accounting courses it will take about 20 years. If they are halfway through the accounting process it will be 10 years on average.\n\nYou willing to wait that long for a decent job? (assuming you have the training to maintain industrial robots?)(and that your training is still relevant in ten years?)", "replies": [ { "author": "Plut0nian", "body": "LOL, you are making my point.\n\n10 years is not that long. That is the most it will take to get someone to move back.\n\nBut in the mean time, it stops any new company from moving to mexico and ones that have already been there for years will be moving back next time they update equipment.\n\nYou seem slow. You don't seem to comprehend that companies have all moved there at different times and that more companies are still moving there, the second we boot mexico from nafta, is the second companies stop moving there. And since we slap tariffs on the ones that did move, they don't get any kind of advantage for being there. Creating fair competition.", "replies": [ { "author": "sandersbernana", "body": "...but, what stops them from moving to a place rather than Mexico that is cheaper to do business at? ", "replies": [ { "author": "Plut0nian", "body": "Do you not know what nafta is? Nafta made it so a factory in mexico is taxed the same as a factory in the US. That we can't put tariffs, import taxes, or anything else on imports from mexico.\n\nSo there are no tax penalties for building product in mexico and shipping to the US. Then because it is physically connected to the US, goods can be shipped cheaply by rail and semitrucks. It also doesn't take that long to ship.\n\nCompanies that move there get to pay workers peanuts and still have about the same shipping costs. So they make more profit.\n\nThey won't move anywhere else because if they moved anywhere else product has to be shipped by boat across an ocean, products are subject to import taxes and any tariffs. They would need new suppliers, factories in mexico can have other US based suppliers shipping via rail to the factory.\n\nTaxes and tariffs are designed to negate any wage savings so the company doesn't benefit from making a product over seas.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "You are still missing the point - manufacturing jobs will never be at the point they were - the bots do the work now. Unless you have the skills to maintain the bot you are still jobless.", "replies": [ { "author": "Plut0nian", "body": "You keep changing the subject.\n\nYou keep acting like automation means there are no factory jobs. Again, a single highly automated tesla plant has 40k jobs associated with it. Why would you want that moving to mexico?", "replies": [], "score": 1, "timestamp": "2016-11-10 15:52:28" } ], "score": 2, "timestamp": "2016-11-10 12:59:23" } ], "score": 1, "timestamp": "2016-11-10 07:32:29" } ], "score": 1, "timestamp": "2016-11-10 07:04:55" } ], "score": 1, "timestamp": "2016-11-10 06:53:23" } ], "score": 2, "timestamp": "2016-11-10 06:46:00" } ], "score": 1, "timestamp": "2016-11-10 06:38:08" } ], "score": 7, "timestamp": "2016-11-10 06:34:17" } ], "score": -1, "timestamp": "2016-11-10 06:32:34" } ], "score": 19, "timestamp": "2016-11-10 05:42:47" }, { "author": "ravupadh", "body": "Manufacturing is either automated as this article states or in China/Mexico. It's never going to be at the same level it was before. What we really need is investment in the hi-tech sector and a green jobs revolution. But that'll never happen unfortunately.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yep - the centipedes helped burn down the house without deciding to evacuate first.", "replies": [], "score": 7, "timestamp": "2016-11-10 05:48:43" }, { "author": null, "body": "Even Chinese labor is starting to get too expensive as evidenced by Foxconn automating and laying off [60,000 workers] (http://www.bbc.com/news/technology-36376966).", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Foxconn is automating as well - it isn't that their workers got cheaper than US workers - their robots got cheaper.", "replies": [], "score": 5, "timestamp": "2016-11-10 06:47:11" } ], "score": 4, "timestamp": "2016-11-10 06:34:25" } ], "score": 8, "timestamp": "2016-11-10 05:45:38" }, { "author": "PM_ME_YER_MUDFLAPS", "body": "This is a question for the centipedes - do they really think Trump can fix the issue in the article? I understand the demographics that voted for him so this article should be close to their hearts/aorta's. But even if we reverse the free trade agreements are we going to retrain all those people to have critical thinking skills and undergrad/grad degrees? We aren't gong to have new factories with regular laborers in them. \n\nI would have loved to have been an auto body man myself but even those jobs aren't what they used to be. You don't professionally bondo anymore, nor do you use a sliding hammer much, you unbolt a fender. The economy seems to be moving to only value physical labor as artistry, not as a machine of production any longer.\n", "replies": [ { "author": null, "body": "Nope. I literally only helped shitpost Trump to the white house to break down the DNC.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "So what next? Where is the new prosperity we were promised by our new COTUS?", "replies": [], "score": 5, "timestamp": "2016-11-10 05:59:05" } ], "score": 1, "timestamp": "2016-11-10 05:45:12" }, { "author": null, "body": "Absolutely not. The only thing he can do is incentivize remaining manufacturers to stay here, while fostering an environment where the new manufacturers have a bit tougher of a decision to make before shipping the jobs somewhere else, even if they're automated production lines. \n\nMostly we voted for him cause we don't like foreigners, and we want lower taxes, and we wanted to make sure the supreme court was stacked for 30 years or so.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "At least you are honest you fellow Klucker you! :)\n\n", "replies": [ { "author": null, "body": "I had to look that up LOL. I was being sort of sarcastic. We all know it's true though. WHERE MY COUNTRY GONE!?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Back to Tom Lehrers \"I Wanna Go Back to Dixie\"\n\nI get to say that because I was raised in Memphis/Byhalia in the 70's.\n\nMemphis is famous for two things - Elvis and the assassination of MLK. \n\nOkay, and we have Corky's and Top's but that sure as shit wasn't given to us by COTUS.", "replies": [], "score": 1, "timestamp": "2016-11-10 06:08:32" } ], "score": 0, "timestamp": "2016-11-10 06:02:49" } ], "score": 1, "timestamp": "2016-11-10 05:58:36" } ], "score": 1, "timestamp": "2016-11-10 05:54:45" } ], "score": 10, "timestamp": "2016-11-10 05:40:00" }, { "author": "Scarlettail", "body": "Definitely an underrated issue. Automation makes manufacturing unreliable for a job market. We're already seeing self-driving cars, too, which will take up transportation. How will we replace those jobs?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "yep- self driving cars will replace taxis, a semi delivered beer by itself in CO. There is even talk of AI being able to replace people in finance departments (which is what I personally do by the way) at some point in the next few decades. Eventually it could come down to why do we need CEO's?", "replies": [], "score": 3, "timestamp": "2016-11-10 05:53:29" } ], "score": 3, "timestamp": "2016-11-10 05:48:53" }, { "author": "turbofarts1", "body": "this is what happens when you let novices win the white house.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Which novice? Technically any POTUS in their first term is a novice. Our new COTUS seems a bit more novice than others.\n\nBut, at least we showed the paid for politicians by electing a COTUS who paid for politicians - neh?", "replies": [], "score": 3, "timestamp": "2016-11-10 06:18:54" } ], "score": 3, "timestamp": "2016-11-10 06:15:55" }, { "author": "MakingRedditGreat", "body": "This is why we need a socialist movement to make us start thinking about post-capitalism.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "sighs - tovarisch!", "replies": [], "score": 0, "timestamp": "2016-11-10 06:16:00" } ], "score": 2, "timestamp": "2016-11-10 06:10:02" }, { "author": "Plut0nian", "body": "Automation is the entire reason manufacturing is coming back. Less workers to do the job means you can afford to do the work in the US vs doing it outside the US and shipping the product.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "They aren't going to move those robots back here until they are fully depreciated and are completely outdated for their jobs.\n\nHaven't you thought this through?", "replies": [ { "author": "Plut0nian", "body": "You just took what I said in my other comment and pretended as if it was your thought. WTF?\n\nI am the one who said companies move their factories when it is time to upgrade equipment. If we kill nafta, the next time a company needs to update a factory, it will move back into the US.\n\nThis has been very thought through. The companies that just moved to mexico will have to pay higher taxes and will basically end up saving nothing by moving to mexico. No new company will attempt to move there since nothing will be saved. And when the companies that moved to mexico are ready to update, they will all come back into the US.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "My point isn't where the factory is- it is that the robots will have taken the jobs. There will still be jobs to maintain the robots but there won't be any assembly line jobs coming back.", "replies": [ { "author": "Plut0nian", "body": "Automation is going to eliminate the lowest paying jobs and replace them with fewer, but better, higher paying jobs.\n\nThis cannot be stopped. Automation is basically a completely different issue than nafta and mexico.\n\nAutomation will make the fewer jobs out there more important and makes it more important to stop allowing companies to build in mexico without paying import taxes and tariffs.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I can tell you the companies won't come back until the overhead for building and running that plant become cheaper than their current locations. And fewer higher paying jobs will still have to net less total dollars than they used to. There might be enough dollars in payroll spending to actually help a small town economy but it won't scale to a state or national level. Those fewer higher paying jobs still won't net enough dollars to make a difference in overall employment.\n", "replies": [ { "author": "Plut0nian", "body": "What you just told me is that they will come back.\n\nPlus it prevents more from going. You think competitors from carrier aren't planning to move to mexico? They have no choice if they want to compete on price.\n\nA tariff corrects the price imbalance and puts an immediate stop to anyone moving to mexico. Those already there will all move back eventually.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Some may- but nowhere near the prior levels and nowhere near the old total payroll dollars. By the time they are ready to \"move back\" the need for employees will be even less due to further automation improvements.\n\nEdit: here is what will economically happen- one job will come back at $50K but that one is replacing twenty jobs at $30K. So a net $50K comes back to offset $600K in lost jobs. That is how real life works.", "replies": [ { "author": "Plut0nian", "body": "Again, you seem confused. No business will stay in mexico if a tariff negates the low wages.\n\nThey go to mexico to profit off the back of slave labor. If they can't profit off of the low wage, they will come back to the US where other costs are cheaper.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "There still will be less wages coming back into the US. That is the point- those jobs and wages are long gone and they aren't coming back. For every 100 jobs that went across the US borders trump could barely bring back 5 through tariffs because 95 of them disappeared due to automation. Those five $50k job coming back won't replace the economic loss of those other 95 jobs at $25k.\n\nYou really have no idea how the economy or business run do you? ", "replies": [ { "author": "Plut0nian", "body": "> There still will be less wages coming back into the US.\n\nCute. There are more wages coming back in the US.\n\nIf 1 job comes back, that is 1 job's wage more than we had before.\n\nyour arguments are getting really really stupid.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "It isn't a one for one job return - that is where your dreams turn into yet another monotonous nightmare of stagnation in economic demand. I wish you luck in getting that one in twenty jobs that returns.", "replies": [ { "author": "Plut0nian", "body": "You don't understand how jobs work.\n\nIf you add one job, that is one job you didn't have before.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "And one net job is all your getting - not thousands or hundred of thousands. So no net economic improvement. ", "replies": [ { "author": "Plut0nian", "body": "You really can't admit any kind of fact can you?\n\nYou are falling apart.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I gave you your job. 💋", "replies": [], "score": 1, "timestamp": "2016-11-10 20:01:26" } ], "score": 1, "timestamp": "2016-11-10 19:59:59" } ], "score": 1, "timestamp": "2016-11-10 19:52:41" } ], "score": 1, "timestamp": "2016-11-10 19:16:39" } ], "score": 1, "timestamp": "2016-11-10 19:11:27" } ], "score": 0, "timestamp": "2016-11-10 19:05:49" } ], "score": 1, "timestamp": "2016-11-10 17:35:43" } ], "score": 1, "timestamp": "2016-11-10 17:17:53" } ], "score": 1, "timestamp": "2016-11-10 16:24:12" } ], "score": 1, "timestamp": "2016-11-10 16:18:50" } ], "score": 1, "timestamp": "2016-11-10 16:11:26" } ], "score": 1, "timestamp": "2016-11-10 15:47:38" } ], "score": 1, "timestamp": "2016-11-10 13:03:12" } ], "score": 1, "timestamp": "2016-11-10 06:49:59" } ], "score": 1, "timestamp": "2016-11-10 06:37:07" } ], "score": 2, "timestamp": "2016-11-10 06:30:56" }, { "author": "orngckn42", "body": "So, trade schools for robotics repair technicians, computer systems analysts, materials hopefully produced in USA creating jobs, marketing jobs, etc. This is how we use manufacturing to bring jobs. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "As a finance person I can honestly say that until the foreign robots have been fully depreciated and can no longer perform their function the servicing jobs for those robots isn't coming back either.\n\nIt is a simple business calculation", "replies": [ { "author": "orngckn42", "body": "As a former aircraft mechanic I can say that machines break, it's just what they do. Companies will want people trained in mechanics to fix them.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yea they do but the machines will still will have taken the factory jobs.", "replies": [], "score": 1, "timestamp": "2016-11-10 13:01:14" } ], "score": 1, "timestamp": "2016-11-10 06:49:17" } ], "score": 2, "timestamp": "2016-11-10 06:36:10" } ], "score": 1, "timestamp": "2016-11-10 06:29:20" }, { "author": "RajivFernanDatBribe", "body": "Trump and who? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "The people who were the candidates prior to last night. I think that answer should be simple enough for you.", "replies": [ { "author": "RajivFernanDatBribe", "body": "Jill Stein? She could have been the first female president. I hear that people were putting their I VOTED stickers on Susan B Anthony's grave in her honor. \n\nThere are so many women in this country who deserve the honor of the presidency. Someday. Someday soon. (Warren 2020?)", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Warren would have been an excellent choice. My issue is more why \"we\" as a society elected the COTUS. There isn't a damned thing he can do to actually bring the jobs back, not the jobs that the people who voted for him used to have.\n\nEdited to add that Jill Stein is just about as impressive as Trump when it comes to medical/scientific understanding.", "replies": [ { "author": "RajivFernanDatBribe", "body": "Your comment is hilarious, as Jill Stein has a degree from Harvard Med and taught at Harvard Med and Trump sold Trump Steaks, the healthiest steaks in the country. \n\nMaybe this dismissiveness is why you lost and why Hillary was crying this morning.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "So what, Michael Egnor is a famous neurosurgeon and a creationist. It isn't where you got your degree from it is how you use it. She tends towards the anti-vaccinationist crowd which is enough for this old boy to write her off. (putting that politely - the anti-vax people really should be treated as unwanted immigrants - I can understand not vaccinating for genetic auto-immune issues but muh-mercury?)", "replies": [ { "author": "RajivFernanDatBribe", "body": "Have you considered that you've been lied to about Stein, just like you've been lied to about Hillary?\n\nEither way, it's a moot point, as Hillary Clinton's reign of terror in American politics is over and she can now focus on watering down more AIDS drugs and stealing money from Haitians to give to Chelsea for her wedding. (Thanx Wikileaks!)", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "no - Steins statements did that themselves.\n\nSeriously - I didn't vote for Hillary - I voted against Trump since I have a teenage daughter and his VP was Pence. \n\nAnd there is his EPA transition person who denies basic physics and chemistry. Myron Ebell? Seriously?\n\nAnd Orac is a god by the way: [Jill Stein](http://scienceblogs.com/insolence/2016/08/01/jill-stein-and-left-wing-antivaccine-dog-whistles/)", "replies": [ { "author": "RajivFernanDatBribe", "body": "I agree. Trump is bad. I didn't vote for Trump. I also didn't vote for Clinton. Clinton was bad. Now she is nothing.\n\nTrump is President. Pence is Vice President.\n\nThose who helped Trump must not complain.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I SAS didn't help the trumpets. Clinton wasn't great, but now I am a serious 2nd amendment nut who is scared for his child thanks to the trumpets.\n\nNothing scarier than an educated leftist redneck if you are a centipede.", "replies": [ { "author": "RajivFernanDatBribe", "body": "What is a centipede? Someone called me that and because they are in a bubble thought I'd be hurt by what I'm guessing is an insult.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "The folks over in r/the_donald like to call themselves that.\n\nI am not personally sure of the origins, maybe it has something to do with being slithery and poisonous in general? \n\nI dislike them on principle - while I can understand the frustration of rural america on the job issue I cannot forgive the inherent misogyny/religious bigotry/racism etc from those folks. That is where COTUS and his incoming cabinet have lost any potential good will on my part.", "replies": [], "score": 1, "timestamp": "2016-11-10 06:42:03" } ], "score": 1, "timestamp": "2016-11-10 06:30:34" } ], "score": 1, "timestamp": "2016-11-10 06:28:34" } ], "score": 1, "timestamp": "2016-11-10 06:25:34" } ], "score": 1, "timestamp": "2016-11-10 06:22:14" } ], "score": 0, "timestamp": "2016-11-10 06:18:27" } ], "score": 2, "timestamp": "2016-11-10 06:15:00" } ], "score": 1, "timestamp": "2016-11-10 06:11:01" } ], "score": 1, "timestamp": "2016-11-10 05:56:16" } ], "score": 0, "timestamp": "2016-11-10 05:51:47" } ], "score": 2, "timestamp": "2016-11-10 05:43:22" } ], "score": -1, "timestamp": "2016-11-10 05:35:04" }, { "author": null, "body": "Oh great, here comes the return of the favorite liberal meme on this sub. Automation means we have to take money from the rich and give it to the poor! News flash, new technologies have never replaced anyone's jobs ever. They just create new jobs involved in the upkeep and maintenance of those technologies. So tired of automation being tied to \"universal basic income,\" what a joke.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Nope, I never said we had to take from the rich and give to the poor. Check your reading comprehension. I just was wondering how you think the COTUS will make your life economically satisfactory?\n\nEdited to add: Do you know how to repair an industrial robot truthhurts4444?\n", "replies": [], "score": 4, "timestamp": "2016-11-10 06:01:36" } ], "score": -4, "timestamp": "2016-11-10 05:55:47" } ]	politics	Art_Output_500posts.json
'Hamilton' Cast Makes Direct Plea to Mike Pence in Audience	PM_ME_YER_MUDFLAPS	http://www.nbcnews.com/politics/2016-election/hamilton-cast-makes-direct-plea-mike-pence-audience-n686116	177	19		2016-11-19T15:03:24	[ { "author": null, "body": "Civil liberties? Give me a break. You let Obama re-up the Patriot Act without one meaningful reform and watched as he droned American citizens overseas. You stood silent when Obama approved the sale of $1 billion worth of weapons to a regime that executes people for being gay. Where was the cast when those things were happening?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Pence cares for anyone who isn't white, straight, Protestant, or most importantly -rich.", "replies": [ { "author": null, "body": "That's not what I said. I didn't mention Pence. You didn't try to refute any of what I said by the way but thanks for the downvote!", "replies": [ { "author": "rawrandrauk", "body": "Considering this is an article about pence... stop deflecting.", "replies": [ { "author": null, "body": "I was responding to what the cast said in the article. That they were worried about their \"inalienable rights\". If they were so worried they should have spoken to our current president.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Flynn will have any issues droning folks in far away lands? I know the Obama administration was shitty about drone strikes and whistle blowers but when you think John Bolton is a good guy to pick for peace in the world? Like Sessions who couldn't get confirmed under Reagan is a shining example to hold up civil rights? And you dare call the actor a hypocrite? How do you know his position on drone strikes?", "replies": [], "score": 9, "timestamp": "2016-11-19 15:34:13" } ], "score": 0, "timestamp": "2016-11-19 15:29:00" } ], "score": 15, "timestamp": "2016-11-19 15:25:27" } ], "score": -7, "timestamp": "2016-11-19 15:23:46" }, { "author": null, "body": "[removed]", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "troll them how? He just showed up expecting to be just part of the crowd but since he is (shudder) the VP Elect he hoped to get positive results? This really isn't making any sense. Maybe you could educate me and the 50% folks who didn't vote for the Cheetoh Of The United States.", "replies": [], "score": 1, "timestamp": "2016-11-20 05:43:01" } ], "score": -2, "timestamp": "2016-11-19 15:32:17" } ], "score": 21, "timestamp": "2016-11-19 15:22:03" } ], "score": -14, "timestamp": "2016-11-19 15:19:54" } ]	life	food_Output_500posts.json
Congratulations America! You've just elected a conspiracy mongering scientific ignoramus as President	PM_ME_YER_MUDFLAPS	http://scienceblogs.com/insolence/2016/11/10/congratulations-america-youve-just-elected-a-conspiracy-mongering-scientific-ignoramus-as-president/	81	61		2016-11-13T22:41:22	[ { "author": "mybosssdirtylaundry", "body": "Well to be fair most of us actually did not.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "True- in terms of popular vote I think he lost.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:36" }, { "author": null, "body": "Most of us didn't vote for a corruption-ridden corporate shill either. \n\nPlurality =/= Majority ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Which corporate shill did you vote for? I at least voted for the one who wasn't misogynist/racist/islamaphobic/anti-science.\n\nHillary was bringing the 400 block of Wall Street while trump is trolling down in the 600 block of Wall Street. If I am going to get screwed by special interests I would rather it come with a left handed stroke.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:03:03" } ], "score": 0, "timestamp": "2016-11-13 23:06:54" } ], "score": 23, "timestamp": "2016-11-13 22:44:50" }, { "author": "MolestedConservative", "body": "Trump will be the first president to confirm the existence of extraterrestrials. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Living in his sigmoid process no less.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:00" } ], "score": 4, "timestamp": "2016-11-13 22:51:27" }, { "author": "Feignfame", "body": "While true this article is not only a rambling rant of rage but also a obese oboe of obvious. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "What can I say, Orac is loquacious.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:55:11" } ], "score": 4, "timestamp": "2016-11-13 22:54:14" }, { "author": null, "body": "How much longer must I hear about this election. Hellppppppppppp meeeeeee", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "About another four years.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:06:28" } ], "score": 1, "timestamp": "2016-11-13 23:27:34" } ]	life	food_Output_500posts.json
League Of The South Hails Trump, Wants ‘No Mercy’ Towards ‘Jews, Minorities And Anti-White Whites’	PM_ME_YER_MUDFLAPS	http://www.rightwingwatch.org/post/league-of-the-south-hails-trump-wants-no-mercy-towards-jews-minorities-and-anti-white-whites/	952	300		2016-11-11T19:07:15	[ { "author": null, "body": "[deleted]", "replies": [ { "author": "gAlienLifeform", "body": "/r/CornbreadLiberals", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Cool.", "replies": [], "score": 3, "timestamp": "2016-11-11 19:45:52" } ], "score": 12, "timestamp": "2016-11-11 19:42:54" } ], "score": 49, "timestamp": "2016-11-11 19:23:05" }, { "author": "NoIWillNotYield", "body": "The scapegoating of Jews begins.", "replies": [ { "author": "Ecanonmics", "body": "But what about Palestine?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I think that Israel should stop building in the West Bank but I also would also fight a Kristallnacht. Unfortunately Israel isn't immune to the type of insanity that brought us Trump either.", "replies": [ { "author": "NoIWillNotYield", "body": "If you wait for a kristalnacht to fight it's gonna be way too late.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah - there doesn't seem to be one brewing in my neighborhood at the moment here in Plano but according to the Nazi's view my area has less of a Jew problem than it does a brown person problem.", "replies": [], "score": 3, "timestamp": "2016-11-11 20:59:00" } ], "score": 15, "timestamp": "2016-11-11 20:44:58" } ], "score": 18, "timestamp": "2016-11-11 20:14:48" } ], "score": 2, "timestamp": "2016-11-11 19:41:35" } ], "score": 129, "timestamp": "2016-11-11 19:10:40" }, { "author": "ozabelle", "body": "MAGA - to the tune of dixie too! whodathunkit? ", "replies": [ { "author": "Themostunderdisturb", "body": "Always find it weird that liberals are always the ones helping to spread the message of these crazy people.\n\nMakes you wonder...", "replies": [ { "author": "ozabelle", "body": "well yeah if we pretend they don't exist then they won't. like global warming? ", "replies": [ { "author": "Themostunderdisturb", "body": "So instead you choose to broadcast their message to an even larger audience than the few people who actually follow them and care what they say?", "replies": [ { "author": "ozabelle", "body": "i never understood sirens, either. i mean what for? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Magnets, how do they work?", "replies": [ { "author": null, "body": "[https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif](https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif)", "replies": [], "score": 5, "timestamp": "2016-11-11 19:27:19" }, { "author": "Cold417", "body": "MAGAnets.", "replies": [], "score": 1, "timestamp": "2016-11-11 20:04:58" } ], "score": 9, "timestamp": "2016-11-11 19:25:07" } ], "score": 24, "timestamp": "2016-11-11 19:18:57" } ], "score": -12, "timestamp": "2016-11-11 19:17:46" } ], "score": 45, "timestamp": "2016-11-11 19:15:43" }, { "author": null, "body": "It's called warning people.", "replies": [ { "author": "Themostunderdisturb", "body": "Sure it is, sure it is.", "replies": [ { "author": null, "body": "You can ignore it if you like. ", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah I tend to ignore racists.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah keep trying those failed regressives tactics of calling everyone a racists, it worked so well to elect Hillary Clinton!", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)\n\nDid you vote for trump?", "replies": [ { "author": "Themostunderdisturb", "body": "Johnson", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Great- Trump lite.", "replies": [], "score": 1, "timestamp": "2016-11-11 22:47:34" } ], "score": 1, "timestamp": "2016-11-11 22:25:58" } ], "score": 5, "timestamp": "2016-11-11 19:38:53" } ], "score": -4, "timestamp": "2016-11-11 19:37:58" } ], "score": 10, "timestamp": "2016-11-11 19:26:04" } ], "score": -1, "timestamp": "2016-11-11 19:22:18" } ], "score": 18, "timestamp": "2016-11-11 19:18:12" } ], "score": -20, "timestamp": "2016-11-11 19:16:10" } ], "score": 27, "timestamp": "2016-11-11 19:12:46" } ], "score": -28, "timestamp": "2016-11-11 19:12:09" } ], "score": 23, "timestamp": "2016-11-11 19:09:12" }, { "author": "inmemorieswetrust", "body": "Trump has no control over who supports him. He's already disavowed racists like this, he wants nothing to do with them.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Shasta-Daisies", "body": "Thanks for that link. It was a great explanation of what I've been trying to express.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, Scalzi is pretty good. I am debating trying to post that one in r/politics but it might skirt a little too far from the political.", "replies": [ { "author": "Shasta-Daisies", "body": "Well it is ok I think for the rules. Def far better than beardy duck commander type vlogs instructing people to just go on with their lives.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Giving it a shot- hopefully it sticks and gets a bit of traction. Nobody likes being called racist but when we look the other way we just encourage the problem to continue and fester and effectively encourage racism.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:52:53" } ], "score": 1, "timestamp": "2016-11-11 19:47:25" } ], "score": 3, "timestamp": "2016-11-11 19:36:08" } ], "score": 6, "timestamp": "2016-11-11 19:31:00" } ], "score": 8, "timestamp": "2016-11-11 19:19:51" } ], "score": -8, "timestamp": "2016-11-11 19:12:33" } ]	life	food_Output_500posts.json
Anti-LGBT groups are absolutely giddy about a Trump presidency	PM_ME_YER_MUDFLAPS	https://thinkprogress.org/trump-lgbt-brexit-effect-f4e62442e237#.wk9lxhixd	17	14		2016-11-11T18:07:12	[ { "author": "fridActs", "body": ">Social conservatives are excited for a Trump presidency (and Pence vice presidency), and they are already bragging about all of their plans to roll back LGBT equality. \n\nBe careful what your wish for. \n\nI don't get this legislating what folks do behind closed doors - but whatever.\n\nI \"hope\" those anti-LGBT people succeed. \n\nSee, I want that precedent. Then I can use it to ban irrational thinking - like believing in a deity. \n\nIt's a wonderful slippery slope for people like me who wants kooks who believe in some sky being that watches and see if they are naughty or nice - like Santa Claus. \n\nTheir laws will allow my ilk to ban their lifestyles - like believing in such nonsense as God.. \n\nHey, freedom of religion is OK, but eating of dead flesh - whether literal or metaphorically is illegal. \nAnd how about this marriage before sex. That should be made illegal. \n\nAnd let's regulate the bedroom some more shall we?\n\nTo prevent homosexuality, everyone will be forced to have sex with a same sex partner, videod, and examined to make sure they are not gay.\n\nVideos will be examined by our peers - yes please! \n\nLet's prevent all social deviance by spying on people. Shall we? \n\n", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Sighs, I was about to snark about trans-vaginal ultrasounds becoming mandatory for everyone as a religious more without any exceptions for current non-vagina owners since our new medical program would be installing them into them as part of our religious tenets and then I shuddered and realized that I was sounding like a centipede/4channer and stopped myself.\n\n", "replies": [ { "author": "fridActs", "body": "OK. That looked like you were making a point - and making one to me. \n\nBut it went over my head.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, it is like a vertical waffle, it doesn't know which side to come down on. ", "replies": [ { "author": "fridActs", "body": "Alright ... let continue - out of my curiosity. \n\nSay whaaat? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I am a bit frustrated with the election results and while I I want to lash out at what just happened I am also reflective enough to see how it changes my reactions. Kind of a Nietzsche abyss thing.\n\nAt the end of the day I am very [disappointed] (https://m.youtube.com/watch?v=84zY33QZO5o) in that portion of my fellow Americans who voted for Trump.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:02:55" } ], "score": 1, "timestamp": "2016-11-11 18:57:01" } ], "score": 1, "timestamp": "2016-11-11 18:52:04" } ], "score": 1, "timestamp": "2016-11-11 18:39:40" } ], "score": 1, "timestamp": "2016-11-11 18:36:10" } ], "score": 1, "timestamp": "2016-11-11 18:21:29" } ]	life	food_Output_500posts.json

Please explain 401k to senior with new job

PaperCotton

https://www.reddit.com/r/personalfinance/comments/1e8zic4/please_explain_401k_to_senior_with_new_job/

89

36

I’m 72 and just started a new job in April. It’s been years since I’ve worked, and I have never contributed to 401k before. I just received my 401k packet, and have questions. This is what I DO understand: 1) I need to choose to not contribute, or contribute. 2) If I do nothing, they will automatically contribute 3% 3) I can choose to contribute from 3-5% 4) Employer matching is 100% immediately 5) Employee profit sharing is 20% for first year and goes up as follows: Year 1 - 40% Year 2 - 60% Year 3 - 80% Year 4 - 100% Here’s what I DON’T understand: 1) What is profit sharing? 2) Do I have to choose what to invest in, or can I have them do that, because I REALLY don’t understand any of the information they provided, such as stocks, bonds, cash, etc. Please explain as simple as you can, what I need to know. Thanks ever so much! Edited to add a few screenshots of my plan: https://imgur.com/a/DL4QjJa

2024-07-21T23:16:43

[ { "author": "KReddit934", "body": "General rule is to contribute enough to get full match..(any free extra money they offer.) \n\nI'd invest it rather conservatively at your age unless you have tons of other investments.", "replies": [ { "author": "PaperCotton", "body": "No other investments.", "replies": [], "score": 3, "timestamp": "2024-07-22 13:49:55" } ], "score": 30, "timestamp": "2024-07-22 09:00:57" }, { "author": "DeluxeXL", "body": ">What is profit sharing?\n\nA company can choose to share some of its profits with employees by contributing into profit sharing plan. For example if your salary is 1/1000th of all employees' salaries combined, the company made a $10 million profit in a year and decides to share $1 million with employees, then then you get 1/1000th * $1 million = $1000 deposited (but only $200 (20%) is yours to keep if you lose the job in the first year).\n\n>Do I have to choose what to invest in, or can I have them do that,\n\nDepends on the plan. You are usually given a few choices. For example, you can be given a list of mutual funds to choose from, or choose between \"aggressive,\" \"moderate,\" or \"conservative.\" You can post the list here or read [401k fund selection guide](https://www.reddit.com/r/personalfinance/wiki/401k_funds).\n\nBe aware that you may be in RMD age (or soon). Non-Roth retirement accounts are subject to RMD.", "replies": [ { "author": "PaperCotton", "body": "Thanks … a few questions. I think the RMD age for me is 73, I just turned 72 in April.\n\nWhat happens if I’m still working when I turn 73? Do I just continue contributing, but I have to withdraw a certain amount? That seems counterproductive, or am I looking at that wrong?\n\nAnd I’m not at all familiar with mutual funds, or have no idea if I should go with moderate or aggressive, etc.", "replies": [ { "author": "gohblu", "body": "RMDs out of 401ks are not required while you are still working. Contribute enough to get the full match if you can afford it. They are trying to give you free money. Don’t turn it down.", "replies": [ { "author": "PaperCotton", "body": "Ah good, thanks for that info.", "replies": [], "score": 10, "timestamp": "2024-07-22 03:09:14" } ], "score": 110, "timestamp": "2024-07-22 00:25:17" } ], "score": 18, "timestamp": "2024-07-21 23:52:30" } ], "score": 85, "timestamp": "2024-07-21 23:26:25" }, { "author": "cwt444", "body": "I think you need to re-read the part about your contribution. That might be automatic enrollment. You should be able to decide to defer more or less than that", "replies": [ { "author": "PaperCotton", "body": "I’ll check that more closely today. Thanks!", "replies": [], "score": 3, "timestamp": "2024-07-22 13:51:41" } ], "score": 16, "timestamp": "2024-07-22 02:07:32" }, { "author": "Happy_to_be", "body": "What are your goals? Do you plan to continue to work or need to in order to make ends meet?", "replies": [ { "author": "PaperCotton", "body": "I don’t need to work, what we bring in with pensions and SS meet our monthly needs.", "replies": [], "score": 9, "timestamp": "2024-07-22 13:53:19" } ], "score": 17, "timestamp": "2024-07-22 01:21:15" }, { "author": "TalvRW", "body": "Hi\n\nI think u/DeluxeXL did a great job answering your questions.\n\nJust FYI since you mention not understanding the information they provided you can look at [investor.gov](http://investor.gov) which has a [glossary](https://www.investor.gov/introduction-investing/investing-basics/glossary) if you need terms like stocks, and bonds defined. \n\nAt another point you mention should you be moderate or aggressive with your investments. The answer like all financial answers is \"it depends\" and unfortunately for anyone to give good advice there are a lot of details missing like your other sources of money and are you working this job because you want to or because you have to. With that being said here are some high level concepts\n\nRetirement is at it's most simple concept a simple math equation of your income has to meet your expenses or needs. For a simple example you start by finding your monthly needs. Lets say $5k per month. You back out any fixed income. This is things that you can count on coming in reliably. This can be social security, pension, rental income. Lets say that totals $4k per month. You need to find that $1k elsewhere, usually your portfolio, but in your case your job counts too. The problem is you may not be able to work forever depending on your health so you want to make sure you have a big enough portfolio that it can cover the difference when you can't work. \n\nSo back to your question of should you be more moderate or aggressive. This mainly comes down to two concepts. risk tolerance and risk capacity. Risk tolerance is emotional. A simple example would be how would you feel if you had $100k in your 401k and then a 2008 type event happens and all of a sudden you have $50k or $60k. Could you stomach that and sleep ok? Would it stress you out? If you don't think you could candle that mentally or emotionally then you might not be able to tolerate more aggressive investments. Risk capacity is more mathematical. The concept is can your portfolio support a level of investment risk. Two examples of portfolios that could support high levels of risk in retirement would be (1) Your retirement is covered by pension, social security, rental income and you are simply working because it's something to do. If your investments went to 0 you would be totally fine. (2) Someone with a very large portfolio. If you have 10 million in investments and only need 50k to live you can be very aggressive because even if it got slashed in half the portfolio will basically generate enough in dividends (A portion of a company's profit paid to shareholders.) alone that the person would be fine. \n\nWith all that said there is no exact formula to tell you be aggressive or moderate but certain things will push you in one direction or another. If you can't stomach a market downturn emotionally that would lean away from aggressiveness. If you think you will need this money sometime soon, you probably don't want to be aggressive. If you have robust fixed income sources (social security, pension, rental income) that meets your needs or wants then you can be more aggressive. While I don't think this is the case but if you have a extra large portfolio you can be aggressive. If this job/money is just extra cash for you and maybe you want to consider legacy planning for kids (the longer your time horizon generally risk decreases) or other family you may want to be more aggressive, potentially even consider a Roth 401k if your job allows it. \n\nSo finally with a quick peek of your post history it indicates 2 small pensions and social security and some medical bills and some debt. If I was in your shoes I would NOT be aggressive. You may need that money at a certain point in time and you don't want to be taking from it during a bear (down) market and you probably don't have the resources to wait out that storm. \n\nSince your comfort with investing is at the beginner level (not a jab at you, just an observation) you may want to look to see if your 401k has an investment in what is called a target date retirement fund. They will have years in them that correspond with the year you plan to retire. If they do you could select one with the year 2020 or 2025 in the name. If you become more advanced in your investing you may outgrow a target retirement fund because they aren't perfect. They are pretty cookie cutter. But at your level it should provide an appropriate level of risk.\n\nWish you the best of luck!", "replies": [ { "author": "PaperCotton", "body": "Thanks so much … and yes, 2 pensions and SS for husband and I. We do ok on just that, but haven’t been able to save much ($11,000). My new income is going to help save more and also pay up some debt in our credit report. \n\nThanks for the informative reply.", "replies": [], "score": 5, "timestamp": "2024-07-22 13:48:32" } ], "score": 7, "timestamp": "2024-07-22 07:30:24" }, { "author": "truedef", "body": "Can someone chime in if this is wise for someone this age? My work has a 5 year vesting period, meaning if I leave before those 5 years, the company match goes into thin air. Leaving only what I contributed towards. Wouldn't OP be better off investing their funds in some other form?", "replies": [ { "author": "Historical_Low4458", "body": "The money OP contributes is theirs regardless of when the company's vesting period is, and would still get whatever tax advantage they select from said contributions when they leave. \n\nVesting periods vary from company to company. OP doesn't mention anything about a vesting period, but did say it was 100% immediately so maybe they don't have one at all. \n\nNow, should OP be investing in a S&P 500 index fund at 72, probably not, but a 401k usually has a bond fund/stable value fund/money market fund that they could use to try to preserve their contributions. If OP was feeling a little riskier, then maybe even a target date fund that is within a few years.", "replies": [ { "author": "PaperCotton", "body": "They offer a target date fund …", "replies": [ { "author": "Historical_Low4458", "body": "A target date fund is usually the default choice of people who are unfamiliar with investing because it automatically rebalances itself every year. Some employers will even select this as a person's default choice if they don't make a selection themselves (you will want to double check if that is your employer's policy).", "replies": [], "score": 2, "timestamp": "2024-07-22 23:15:27" } ], "score": 1, "timestamp": "2024-07-22 13:55:25" } ], "score": 8, "timestamp": "2024-07-22 06:10:09" } ], "score": 5, "timestamp": "2024-07-22 05:50:03" }, { "author": "Longjumping-Nature70", "body": "This is hard without knowing more.\n\nKudos to you for trying to make some sense out of this at the age of 72, when personal finance has changed since you were a kid/young adult/working adult.\n\nAt your age, which you are just a little older than me, you might have 20 years left. My family is long lived and I want to hit 100. Age is a consideration.\n\nIf you went back to work either you are bored or need the income. Reading further, I am guessing you need the income.\n\nAn old rule of thumb question, \"Can you live off of 95% of your salary?\" I answered yes, so I contributed 5% to my first 401k, my first 401k company matching was something like 2%.\n\nIf I am reading correctly, if you put in 5% which is the max, they will match 5%. That is a 100% return automatically.\n\nExample: Your salary is $30,000, you put in $1500 they put in $1500, you have $3000 in your account, but you only put in $1500, that is why it is 100%. NEVER TURN DOWN FREE MONEY.\n\nTypically, you need to choose what to invest in. They will throw a lot of fund choices at you. If you want your money to work for you, you want to be a bit more aggressive, but not much due to age consideration.\n\nAt your age and me not knowing diddly about you, I would put 50% into cash, aka money market fund, and 50% S&P 500 Index Fund.\n\nRMDs do not begin since you are working. Maybe. Since you are starting at 72 that is the cusp. You had to make it complicated.\n\nhttps://www.irs.gov/retirement-plans/retirement-plan-and-ira-required-minimum-distributions-faqs#:\\~:text=What%20are%20Required%20Minimum%20Distributions,Dec.%2031%2C%202022).\n\nAccount owners in a workplace retirement plan (for example, 401(k) or profit-sharing plan) can delay taking their RMDs until the year they retire, unless they're a 5% owner of the business sponsoring the plan.\n\nNow, since you say you have no retirement accounts, you have nothing to RMD from at age 72/73. Since you are starting a job it is quite obvious you are working so, you do not have to do an RMD because you are employed. I am going to bet the IRS has a conniption fit with you.\n\nAt your age and me not knowing diddly about you, I would put 50% into cash, aka money market fund, and 50% S&P 500 Index Fund", "replies": [ { "author": "PaperCotton", "body": "Thank you for a great reply. 😊\n\nHere’s some screenshots of my plan.\n\nhttps://imgur.com/a/DL4QjJa", "replies": [], "score": 1, "timestamp": "2024-07-22 16:20:44" }, { "author": "PaperCotton", "body": "Why do you say the IRS will have a fit with me?", "replies": [], "score": 1, "timestamp": "2024-07-22 16:28:56" } ], "score": 2, "timestamp": "2024-07-22 15:11:01" } ]

entrepreneur

Art_Output_500posts.json

Seniors wanting to bring score up, where do we start?

PaperCotton

https://www.reddit.com/r/personalfinance/comments/wzxg08/seniors_wanting_to_bring_score_up_where_do_we/

851

192

Husband and I are in our 70’s, both retired. We had excellent credit but our son had major medical issues and had no insurance, so it fell on us. We also paid his rent and bills while he recovered. We lost our house, and everything just fell apart. Now our credit score is crap (450) because we relied on our cards, and fell behind on many of them. We also have some medical bills that are on our credit report. No bankruptcies. All together we owe over $35,000. We live on two small pensions and social security. We just moved into a senior complex. We can afford the rent (all utilities are included), car insurance, and phone. After everything there’s about $1500 left for food, gas and misc. medical supplies, etc. I want to get our score back up because I’d like to buy either a camper or a small home (tiny house is fine). I’m just not sure how to start, or what to do. I know we can’t be sued, but that doesn’t help me in bringing our score back up. Open to suggestions. TIA Edit: Thank you to ALL who have responded! I’m overwhelmed with all the replies I’ve gotten, so may suggestions, ideas, and caring. I’ve been in tears off and on since yesterday. I’ve been doing SO much for SO long - alone, the response from Reddit internet strangers is, well … overwhelming and has really touched me. I will add more information when I’m able to sit down and concentrate. I’m pretty busy with allot of responsibility, so it may be a few days. Again, thank you all so much! ❤️ Edit 2: Sorry for the delay, we’ve had allot going on. Here’s some additional information. I’ll also try and reply to some of your posts. My son was in Washington state and we lived in NY state, when the medical emergency happened. My husband stayed with his daughter and I drove to Washington and rented an apartment near my son for a year, until he was stable. The cost of the trip, rent for a year, additional cost towards son’s rent, food, etc all came from our savings and CC’s. Son is on Disability and Medicaid, but we paid additional medical costs not covered, along with needed equipment for him. Also, I sent my husband a fixed amount to contribute to food, gas, and other expenses while he stayed with daughter. That’s another whole horror story. Anyway, the combination of all of that, used all savings and maxed out all cards. I tried to stay ahead of them, but just couldn’t. Meanwhile, we fell behind on taxes on our home, so they foreclosed. Now we’re living month to month with no savings and no long term care coverage. VERY scary! The $1600 left each month is for food, gas, paper supplies, cat food and medical/personal supplies. I have decided against a camper after reading responses, I could never handle the upkeep, and neither could husband. I’ll continue tomorrow, but that should help.

2022-08-28T14:57:09

[ { "author": "invenio78", "body": "Unless you guys go back to work to increase income I don't see how you would be able to afford a new house or camper in the next 5-10 years,... and that's presuming no further large financial surprises.\n\nYou may want to talk with a bankruptcy lawyer to see if maybe that will get rid of the $35k.\n\nIf your son has another medical emergency, it may be more prudent for him to take on that debt as it would be much easier for him to recover financially than people in their 70's.\n\nSorry.", "replies": [ { "author": "UncertainlyUnfunny", "body": "Hospitals have finance desks. Talk to them. i have talked down a 1k bill to zero, a friend got his entire AIDS treatment written off.", "replies": [ { "author": "mrschro", "body": "Based on OP, they may have put the costs on a credit card to satisfy the hospitals. That or they paid for the hospital care and skipped out on house and other personal finance debts.", "replies": [ { "author": "PaperCotton", "body": "Yes, we paid all hospital, medical, rent, utilities, etc for almost 2 years … and fell behind on house, taxes, and credit cards.", "replies": [ { "author": null, "body": "[deleted]", "replies": [ { "author": "Thedude317", "body": "Yea, but some of the write offs are considered income from credit cards. I settled from a credit card and then had to pay taxes on the written off amount as if it were income.", "replies": [], "score": 11, "timestamp": "2022-08-29 02:20:54" } ], "score": 26, "timestamp": "2022-08-29 00:58:36" }, { "author": "Thedude317", "body": "Be mindful, some medical and credit card write-off/forgiveness is considered income and can have tax implications.", "replies": [], "score": 6, "timestamp": "2022-08-29 02:21:45" }, { "author": "FairyFartDaydreams", "body": "Hospitals have financial assistance and you can find the links on the hospital home page or the patient information page. Never put medical expenses on your CC or ignore your other expenses for medical ones. At this point bankruptcy would clear faster than you paying the CC off unless you get additional income", "replies": [], "score": 1, "timestamp": "2022-08-29 14:42:29" } ], "score": 57, "timestamp": "2022-08-29 00:06:15" }, { "author": "PaperCotton", "body": "Yes this … many bills on CC’s, along with other supplies.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:15:40" } ], "score": 65, "timestamp": "2022-08-28 22:54:39" }, { "author": "PaperCotton", "body": "It’s too late, bills have been paid.", "replies": [ { "author": "UncertainlyUnfunny", "body": "Have you tried? Hospitals may have a nonprofit status. If their bills are overly large have them reviewed by an attorney and you overpaid, send them a letter telling them they overbilled and you’ll sue them for profiting unless they settle for x. YMMV? I don’t mean to be pushy: i can be tenacious and I hate seeing people taken advantage of. Its none of my business.", "replies": [], "score": 2, "timestamp": "2022-09-05 00:21:42" } ], "score": 1, "timestamp": "2022-09-04 23:15:08" } ], "score": 142, "timestamp": "2022-08-28 22:22:24" } ], "score": 1306, "timestamp": "2022-08-28 15:55:15" }, { "author": "carolineecouture", "body": "Can your son help you out now? Can either of you work part-time?", "replies": [ { "author": "PaperCotton", "body": "Sadly my son may never be able to work. He’s disabled, on disability. Long complicated story.", "replies": [ { "author": "carolineecouture", "body": "Ok, just thinking about possibilities. Sorry to hear that.", "replies": [], "score": 44, "timestamp": "2022-08-29 00:43:01" }, { "author": "citygirldc", "body": "If he is on federal disability he should also now be on Medicaid. If he isn’t or waiting to be, please talk to his caseworker. At least the situation won’t repeat.", "replies": [], "score": 28, "timestamp": "2022-08-29 03:35:34" } ], "score": 84, "timestamp": "2022-08-29 00:23:28" }, { "author": "PaperCotton", "body": "Sadly, my son will never be able to help us.", "replies": [ { "author": "carolineecouture", "body": "I'm sorry. I hope your son is better now and things work out for you.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:31:49" } ], "score": 1, "timestamp": "2022-09-04 23:16:45" } ], "score": 121, "timestamp": "2022-08-28 18:04:21" }, { "author": "Snoo1560", "body": "I have a wild suggestion. Perhaps you should actually consider bankruptcy, even though you are judgment proof. The reason is that credit scores tend to go up faster after bankruptcy as opposed to having the debt remain on your credit reports. Why don't you post this in the r/bankruptcy group and ask what people think? At 63, the '70s are rapidly approaching for me. Good luck!", "replies": [ { "author": "scottymtp", "body": "How would they be judgment proof? State law like Massachusetts has?", "replies": [ { "author": "PaperCotton", "body": "Because our only income is pensions and social security, and neither of them can be garnished. Also, we have no assets (house, property, savings).", "replies": [ { "author": "scottymtp", "body": "I understand that. You can still be sued though. Unlikely though. Wish you luck in deciding the next steps on what to do next.", "replies": [ { "author": "PaperCotton", "body": "Yes we can be sued, they just wouldn’t get anywhere.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:18:37" } ], "score": 2, "timestamp": "2022-08-29 00:29:56" } ], "score": 20, "timestamp": "2022-08-29 00:22:07" } ], "score": 7, "timestamp": "2022-08-28 23:34:23" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "ConsentIsTheMagicKey", "body": "Yes, the bankruptcy stays there, but credit score goes up. Getting rid of the 35k would increase their score because the debt to income ratio would improve. If they keep up with all payments (keep an old credit card if possible), they should be able to buy a house in about two years if they have enough money for the downpayment and income for the monthly payments.", "replies": [ { "author": "Snoo1560", "body": "Most credit card companies close accounts once you file bankruptcy, so it's hard to keep one. You have to start over and apply for unsecured cards from companies like Credit One and work from there. If you can't get an unsecured card, then go with a secured one. You are correct about getting a house. FHA is 2 years and conventional mortgages are up to the lender. Source: The r/Bankruptcy forum.", "replies": [ { "author": "sunny-day1234", "body": "I've never looked into it but pensions and SS are guaranteed income with no chance of 'job loss' so maybe they take that into account? Of course if one dies or needs long term skilled care... there goes half.", "replies": [ { "author": "PaperCotton", "body": "More than half …. Long term care is EXPENSIVE!", "replies": [ { "author": "sunny-day1234", "body": "Yes but the 'Community Spouse' can keep half up to $130K in most states and a basic income that's $2100+-$3400 (I think it's called MMA) in some states to maintain a home and basics. It's just that it's not 'advertised'. \n\nThey don't make it easy to find out how not to just sell and find yourself broke, but laws were put in place years ago to protect the spouse who can remain at home. That home can be a pretty pricy one in my state, I believe up to $900K. \n\nI used to run a Home Health Agency years ago and did 'supervisory' visits once a month or so. Some of our Medicaid patients were living in gorgeous homes but their income sucked.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:43:06" } ], "score": 1, "timestamp": "2022-09-04 23:22:29" } ], "score": 2, "timestamp": "2022-08-28 22:27:33" }, { "author": "PaperCotton", "body": "I e recently tried for a secured card and was refused. I don’t think we’ll get anything until we wipe the debt and wait …", "replies": [], "score": 2, "timestamp": "2022-09-04 23:21:30" } ], "score": 4, "timestamp": "2022-08-28 22:09:04" } ], "score": 14, "timestamp": "2022-08-28 20:49:54" } ], "score": 45, "timestamp": "2022-08-28 20:22:01" }, { "author": "mayflowers5", "body": "My grandma had to file for bankruptcy at 70 as well and now her score is over 800 and she’s bought a home and a condo in that time period. Definitely not the worst thing you could do!", "replies": [ { "author": "PaperCotton", "body": "That’s good to know! How long did it take her to get to that score, after Bankruptcy?", "replies": [ { "author": "mayflowers5", "body": "Probably about 6 years! It dipped to around mid 500s and then steadily rose over the years. She owned her house and cars at the time so didn’t need to worry about credit. Got a secured line of credit and built it back up.", "replies": [], "score": 2, "timestamp": "2022-09-05 03:35:43" } ], "score": 2, "timestamp": "2022-09-04 23:23:48" } ], "score": 4, "timestamp": "2022-08-29 03:59:56" }, { "author": "PaperCotton", "body": "Yes, I am now considering bankruptcy", "replies": [], "score": 1, "timestamp": "2022-09-04 23:18:00" } ], "score": 412, "timestamp": "2022-08-28 15:41:34" }, { "author": "jane3ry3", "body": "I haven't read other comments. I don't need to. Get a free consult with the best bankruptcy firm in town. Not the one with the most clients.. The one who can really fight for you.", "replies": [ { "author": "socimonkey", "body": "My parents filed for bankruptcy in their early 70’s and it was the best thing they ever did. I made the appt. for them, and took them there. It changed their life for the better. This was after 40+ years of trying to pay down 75k.", "replies": [ { "author": "digihippie", "body": "This ^, and estate plan to be able to easily spend down and get Medicaid. Healthcare costs and having Medicaid could make this a complete wash, easily.", "replies": [ { "author": "PaperCotton", "body": "With our income, we don’t qualify for Medicaid.", "replies": [ { "author": "Designer-Freedom-375", "body": "You may not qualify for Medicaid but if your son doesn’t have an income, he may be eligible for Medicaid. At the very least he should have applied for free or reduced care at the hospitals providing his care, while also applying for coverage for drugs through the pharmaceutical drug manufacturers assistance program, applying for social security disability, applying for SSI, or liquidating any of his assets or accounts.", "replies": [ { "author": "PaperCotton", "body": "My son is incapable of doing much, it would be all on me.", "replies": [ { "author": null, "body": "Is that accurate? I don't know how it works, but you may not. If your son is a legal adult, I am unsure that you are financially liable for him. I understand the family side and wanting to ensure he is well taken care of, but at some point, there is going to have to be something in place to look out for him and his well-being. Again, unsure what that means, but I find it hard to believe you are financially liable for him. Again, I know you are looking out for him, but legally, separating it out I question if you are financially liable.", "replies": [], "score": 1, "timestamp": "2022-09-05 01:17:20" }, { "author": "Designer-Freedom-375", "body": "So that you could get a break, get a medical POA for your son and husband. But get your son appointed a legal guardian for his financial affairs. The guardian can handle his finances and you make the decisions regarding his person.", "replies": [], "score": 1, "timestamp": "2022-09-05 01:29:57" } ], "score": 1, "timestamp": "2022-09-04 23:32:45" } ], "score": 5, "timestamp": "2022-08-29 06:44:44" } ], "score": 6, "timestamp": "2022-08-29 00:25:09" }, { "author": "PaperCotton", "body": "We don’t qualify for Medicaid.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:32:04" } ], "score": 25, "timestamp": "2022-08-28 20:25:41" } ], "score": 99, "timestamp": "2022-08-28 20:23:15" }, { "author": "tjmobile1", "body": "I don't know if they should be signing up for payments to the best bankruptcy firm in town... Filing for bankruptcy is a lot of paperwork that you have to know your way around, but not really a lot of \"fighting\" which I assume means real adversarial negotiations. You can find a firm with a lot of customers and a decent rate that has plenty of experience to help you successfully file and be awarded bankruptcy benefits without killing your already dead wallet.", "replies": [ { "author": "PaperCotton", "body": "What do you mean by “awarded bankruptcy benefits”?", "replies": [ { "author": "tjmobile1", "body": "Being approved for bankruptcy. In similar fashion to unemployment, bankruptcy is a program/vehicle the government provides to allow people to swim when they are sinking. For what is worth, I also think you should look into finding an affordable firm to help you apply for bankruptcy. If your income level is low enough, there may even be some outreach programs in your area that will help you pay for/provide an attorney for you.", "replies": [ { "author": "PaperCotton", "body": "Will check", "replies": [], "score": 1, "timestamp": "2022-09-04 23:34:11" } ], "score": 2, "timestamp": "2022-08-29 00:29:48" } ], "score": 5, "timestamp": "2022-08-29 00:26:36" } ], "score": 11, "timestamp": "2022-08-28 22:30:44" }, { "author": "PaperCotton", "body": "Yes, but we’ll have to save for the cost. That may take us several months, but it’s a good direction", "replies": [], "score": 1, "timestamp": "2022-09-04 23:31:27" } ], "score": 161, "timestamp": "2022-08-28 18:09:04" }, { "author": "citygirldc", "body": "Gently, it doesn’t sound like your husband is capable of living in a camper/trailer. He would need to step up into and even more perilously down out of it. The toilet and shower will be very small with no room for supportive rails or a shower stool. When he falls it would be too cramped for you to have good placement/leverage to help him up. \n\nYou would quickly find yourself looking for your spot in the senior community back and they can be hard to secure (I am so glad you got one). \n\nI assume your apartment is wheelchair accessible—elevator, roll in front door, wide doorways, toilet rails, etc. Your husband and maybe you eventually will need these modifications. My mom had the same dream and had to realize my dad just couldn’t do it with his health and mobility problems. \n\nWithout the debt service, $1500/month is a very reasonable disposable income. I agree with those suggesting bankruptcy just to discharge those debts and simplify your estate. Once it’s discharged save up some discretionary funds and rent a camper for a week to celebrate. That will give you an idea of whether your husband can realistically handle the physical challenges.", "replies": [ { "author": "PaperCotton", "body": "You’re right, I’ve decided to drop the camper idea/dream. The apartment has some of those features, but not all.\n\nYes, I’ve actually decided we also need to get some life insurance, even if it’s a small amount such as “end of life” or term for funeral expenses. \n\nWe also need better health care, as a Medicare sucks! LOL\n\nOne of the questions I forgot to ask you guys is, how can we save for future long term care, or if it’s too late for that. We may have several years to accumulate SOME savings, but how should we save it?", "replies": [ { "author": "citygirldc", "body": "So, long term care is so expensive that it’s too late to save for more than a couple months’ worth. Medicare does not cover LTC, but Medicaid does. So what most people do is spend down their assets on LTC until there’s very little left and then Medicaid pays for it. You are a perfect candidate for that as you have little in illiquid assets so it should be pretty simple. \n\nI don’t have extensive knowledge of this, but I think it can be beneficial to self pay at the beginning because you get your choice of facility. But I don’t know if the facilities want to see a certain asset level to know they’ll be private paid for x amount of time before getting the lower Medicaid reimbursement. \n\nUnfortunately, I think this will require you to do some research. Your son’s social worker might be a help to point you in the right direction. My instinct is that you don’t really have time to save enough to make a difference, so might as well enjoy what you have left and/or transfer as much as you can to your son if that will not negatively impact his benefits (important to know whether he is on SSDI based on his work record, which has no asset limit, or SSI for someone who had never been able to work, which does not allow the recipient to accumulate basically any assets). Medicaid does have a five year look back so any money you give him during the five years preceding going on Medicaid could be clawed back. \n\nLTC is a big financially ruinous problem in the US, unfortunately. $10k per month is on the cheap end.", "replies": [ { "author": "PaperCotton", "body": "Thank you for all the information. 🙂", "replies": [ { "author": "citygirldc", "body": "You’re welcome! You might want to start a new post about long term care, referencing this one and repeating the info about your current financial situation, to get more perspectives. \n\nIf you decide to go the bankruptcy route, which I highly recommend if only to simplify your estate, your bk attorney may be able to offer some insight into Medicaid planning.", "replies": [], "score": 1, "timestamp": "2022-09-05 20:55:16" } ], "score": 1, "timestamp": "2022-09-05 20:31:47" } ], "score": 2, "timestamp": "2022-09-05 19:04:17" } ], "score": 2, "timestamp": "2022-09-04 23:29:15" } ], "score": 27, "timestamp": "2022-08-29 02:22:09" }, { "author": null, "body": ">I want to get our score back up because I’d like to buy either a camper or a small home \n\nYou cannot afford this. I hate to say it but at this stage..you need to make peace with that. Rent a camper when you get itchy feet but owning is simply a bad idea at this stage in your life.", "replies": [ { "author": "WyoGuy2", "body": "I don’t want to put words in OP’s mouth, but it’s possible they meant they would live in the camper full time, eliminating rent expense. If it’s a cheap used camper and they’re handy enough to do the inevitable repairs it’s not an inherently horrible idea.", "replies": [ { "author": "PaperCotton", "body": "Yes, this.", "replies": [], "score": 2, "timestamp": "2022-08-29 00:48:37" } ], "score": 10, "timestamp": "2022-08-28 23:22:20" }, { "author": "PaperCotton", "body": "I’ve come to realize this … the camper idea has been laid to rest.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:29:58" } ], "score": 19, "timestamp": "2022-08-28 23:07:22" }, { "author": "peekitup", "body": "You may have to declare bankruptcy to try to remove your debt. Clearing that debt will free up income for other expenses.\n\nYour credit isn't going to increase unless you have a consistent repayment pattern. Get a card with a small limit and no fees, use it to pay bills (like put your cell phone/internet on it), pay it off before interest accrues. Repeat. You may be able to do this with a cash back card to generate further rewards.\n\nAnyone who finances a camper or tiny house for you is taking on substantial risk that you'll be unable to pay them back. You have substantial debt and do not have the income or assets to support that debt.\n\nCan either of you work? Retirement isn't an age, it is a financial state.", "replies": [ { "author": "l80magpie", "body": ">Get a card with a small limit and no fees,\n\nWhat cards might be available to someone with a credit score of ~450? With or without existing debt?", "replies": [ { "author": "mylord420", "body": "Discover it secured", "replies": [ { "author": "jerbear__", "body": "This is the best option. First card i got after dropping out of college a few years back. They’ll pretty much accept anyone", "replies": [ { "author": "PaperCotton", "body": "Not us, not now", "replies": [], "score": 1, "timestamp": "2022-09-04 23:39:42" } ], "score": 6, "timestamp": "2022-08-28 20:26:22" }, { "author": "PaperCotton", "body": "We’ve been denied any card we try for, including secured cards.", "replies": [ { "author": "mossyzombie2021", "body": "Try Neo financial. I have crap credit too and they gave me a secured card.", "replies": [], "score": 1, "timestamp": "2022-08-29 00:40:38" } ], "score": 2, "timestamp": "2022-08-29 00:31:32" } ], "score": 22, "timestamp": "2022-08-28 19:18:37" } ], "score": 11, "timestamp": "2022-08-28 19:02:37" }, { "author": "PaperCotton", "body": "We’ve been denied even secured cards at this point, so hopefully some time after bankruptcy. \n\nI’m an artist, and once I can afford a computer, some supplies, etc. I’ll be selling my art. \n\nAnd no, husband certainly can’t work, and I care for him full time.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:39:01" } ], "score": 56, "timestamp": "2022-08-28 16:25:06" }, { "author": null, "body": "[removed]", "replies": [ { "author": "PaperCotton", "body": "My husband can not be left alone, he’s almost total care. I’m his caretaker for now.\n\nHe’s had several small strokes, a pulmonary embolism, fallen 3 times, and blockage in his carotid artery (removed).", "replies": [ { "author": "leodoggo", "body": "If your son is disabled, your husband needs total care, how are you going to find time to spend in your camper? \n\nRealistically, don’t worry about your credit. Very few debt firms will sue someone in their 70s (bad press). Just enjoy life spend time with your husband and son and forget about the camper. It’s not worth the stress you’ll put yourself and them through at this point to even address the debt and credit.", "replies": [ { "author": "PaperCotton", "body": "As I’ve stated in new posts, I’ve decided against the camper idea.", "replies": [], "score": 0, "timestamp": "2022-09-04 23:35:27" } ], "score": 38, "timestamp": "2022-08-29 00:38:14" }, { "author": "LooksAtClouds", "body": "Oh, gosh, honestly, I don't think the RV life is for you. Maybe for you, but not for your husband. It calls for being super handy and able to lift things, step high to get in and out of the RV, need to be able to use a sewer dump set up with ease, need to be able to set up beds for the night & put them up in the morning - or climb up into an overhead loft. Lots of squatting and reaching because storage is everywhere. \n \nI'm sorry.", "replies": [ { "author": "PaperCotton", "body": "You’re right", "replies": [], "score": 1, "timestamp": "2022-09-04 23:35:43" } ], "score": 25, "timestamp": "2022-08-29 02:39:36" }, { "author": "Designer-Freedom-375", "body": "If your husband qualifies for care from a residential facility he can apply for Medicaid long term care and if granted they would base the income eligibility for him on half of your monthly income. He could be found eligible for a home and community based waiver that would pay for him to have caregivers. You should apply for Medicaid long term care for your son as well. \nIf they were found eligible, you would have help managing their care and the entirety of the responsibility for their well being would not reside with you. You sound like a dedicated wife and mother but no one can do these things themselves and you deserve to have some help, stability and peace of mind in regards to the care of your loved ones.", "replies": [ { "author": "PaperCotton", "body": "He’s not going anywhere until I’m unable to care for him. Until then, he’s with me.", "replies": [ { "author": "Designer-Freedom-375", "body": "I am not suggesting that you abandon your husband and son. I am encouraging you to consider that you are stretched too thin, emotionally, physically and financially. \nSometimes our loved ones require care that is beyond our ability and even if we can provide that care frequently we shouldn’t. You sound like a kind, loving person and your health both physical and emotional matter too. By doing everything for your loved ones, If you get sick, chances are good that you will be unable to manage the care of your loved ones and most definitely be unable to physically care for your loved ones. I understand your loyalty and dedication to your loved ones but just want to acknowledge that you and your health matter too. \nIf your health falters, you will be unable to care for your loved ones and without you, your family will end up in a facility without someone who loves them to manage their care or advocate on their behalf.", "replies": [ { "author": "PaperCotton", "body": "Thank you … I appreciate all you said. 🙂", "replies": [], "score": 1, "timestamp": "2022-09-05 20:28:29" } ], "score": 2, "timestamp": "2022-09-05 02:49:54" } ], "score": 1, "timestamp": "2022-09-04 23:36:29" } ], "score": 2, "timestamp": "2022-08-29 06:52:15" } ], "score": 14, "timestamp": "2022-08-29 00:28:35" } ], "score": 38, "timestamp": "2022-08-28 19:01:01" }, { "author": "ThaneOfCawdorrr", "body": "Please, please, please take this hard lesson, everyone: if you have to go into debt to help someone else with their medical bills, YOU CAN'T AFFORD IT EITHER. \n\nYour son would have been better off to incur the debt--he's in a better position to be able to pay it off; or to declare bankruptcy; or even to end up being the beneficiary of one of these wonderful organizations that is paying off people's medical debts. \n\nBut here you are, you wanted to take care of your child, understandable. \n\nYour best bet, honestly? Is to try to find some kind of income. Do you have any high level skills? There's a LOT of remote work right now--you could probably find something part time (editing? tech skills? tutoring? helping someone learn another language? etc). If you get an actual part time job (remote or otherwise) that pays into Social Security, that will ALSO increase your income for the future. \n\nThe other side of the coin, of course, is reducing expenses. Look around for all the possible services your city offers for Senior Citizens. A LOT of cities offer things like reduced transportation costs, or senior centers that have healthy hot lunches for $1.50 and all kinds of fun activities. Really can save a lot of expenses that way. \n\nThis would enable you to start paying off your Credit Cards and bringing your scores back up. \n\nAnd make sure your son has medical insurance--and don't keep helping him financially when you can't afford it. There's an old saying \"Don't set yourself on fire to warm someone else.\" YOU have to take care of yourselves, too.", "replies": [ { "author": "PaperCotton", "body": "Neither of us can work. I’ll hopefully be selling my art (and NFT’s) as soon as I’m able. \n\nI think bankruptcy is best for us at this time.", "replies": [ { "author": "ThaneOfCawdorrr", "body": "Good luck to you. And don't forget to take advantage of any services or cost-reduced options your city has for senior citizens, it can really help.", "replies": [ { "author": "PaperCotton", "body": "And veterans … my husband served.", "replies": [], "score": 1, "timestamp": "2022-09-05 00:28:13" } ], "score": 1, "timestamp": "2022-09-05 00:09:13" } ], "score": 2, "timestamp": "2022-09-04 23:41:51" } ], "score": 21, "timestamp": "2022-08-28 23:33:53" }, { "author": "tmerrifi1170", "body": "Why file bankruptcy if you're judgement proof? Scrape together some cash and offer to settle with these debts. If they're more than many months old, they're likely written off and have been sold to collection agencies for pennies on the dollar. \n\n\"I owe a debt for *x*. I am on social security and am judgement proof. You can either take this $xxxx to settle this in full, or you can chase me forever and never get a dime.\"\n\nAs a side note, your situation, regardless of credit, does not support you getting a camper. $1,500 is a decent amount leftover to survive on, but a camper is going to eat into that very quickly. Sorry, but you lost your chance to have a camper in retirement. \n\nGood luck.", "replies": [ { "author": "PaperCotton", "body": "I was speaking of living/traveling in the camper, therefore we wouldn’t be paying the rent we are, and would have $$1,600 MORE per month. $3,100 total.", "replies": [ { "author": "LooksAtClouds", "body": "You're budgeting for parking for the camper at a trailer park with hookups? And cost of on-the-road internet, and gas? Would you sell your car to buy the camper? \n \nHave you lived in an RV before? Just curious. If not, you might want to try renting one for a week or two to see if you really can stick the lifestyle. \n\nI have spent a good amount of time in RV's, that's why I want to make sure you've got some experience.", "replies": [], "score": 19, "timestamp": "2022-08-29 02:35:25" } ], "score": 3, "timestamp": "2022-08-29 00:36:36" } ], "score": 33, "timestamp": "2022-08-28 18:43:46" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "PaperCotton", "body": "One of my biggest concerns is applying and being accepted at another apartment complex, as this is not smoke free, and we happen to find out after moving in, the downstairs neighbor is a chain smoker. I have a heart condition that is made much worse from second hand smoke. So we need to find a new apartment when our lease is up.\n\nAlso, my son may need to move in with us, and he’s not allowed to here.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:47:15" } ], "score": 21, "timestamp": "2022-08-28 18:13:24" }, { "author": "npepin", "body": "The biggest factor in all of this is if you missed payments. If you racked up a balance but always payed the minimum then you aren't in that bad of shape. Your credit score doesn't keep track of previous balances, it just looks at your current statement balances. If your credit score was 500 because of 95% utilization, but you had no missed payments, if you payed off all your debt then your credit score could jump up hundreds of points, like you were never in massive debt for all those months.\n\nIf you missed payments, then controlling for utilization is important, but those negative marks on your score are going to have an impact and only time can repair them. I had some missed payments a while back and it took 2 years of on time payments and lowering my utilization to get my credit from the 500's to 700.\n\nPaying down the debt is the only real strategy for the credit score. If you didn't miss any payments, you'll see pretty quick improvement as you get your utilization into the 40's and 30's. If you missed payments then it may be 2-3 years until your credit score starts to improve.\n\nA lot of people are suggesting bankruptcy, and I am not really qualified tot say if that option is good or bad, it may be best from a financial perspective, but from a credit perspective, which is what the post is asking about, just keep in mind that it puts a mark on your credit for at least 7 years and that it may not really help with the credit situation in the short term.\n\nSomething important to point out is that your age cannot be considered a factor in any issues granting leniency with your debt. There are laws that intend to protect elder people from discrimination, mostly in that otherwise lenders wouldn't be as likely to enter long term loans with anybody above a certain age, but this also has the effect where they can't give preferential treatment based on age. You might get some consideration for hardship.\n\nAnother last point is that you may need to abandon the thought of getting a camper or small house. Without finding a way to generate a lot of extra income, it is going to be difficult to make that happen. Unfortunately credit issues take years to fix.", "replies": [ { "author": "PaperCotton", "body": "We missed payments on many of them.", "replies": [], "score": 1, "timestamp": "2022-09-04 23:43:33" } ], "score": 8, "timestamp": "2022-08-28 22:13:44" }, { "author": "iamdummypants", "body": "if the word bankruptcy doesn't scare you, do it. my good friend did it and 3 years later (that's how long they make you wait) was able to buy a decent house and a very nice car\n\ni am really sorry this happened to you after you worked hard your whole life - medical bills should not destroy people's lives", "replies": [ { "author": "PaperCotton", "body": "Thank you ….", "replies": [], "score": 1, "timestamp": "2022-09-04 23:47:49" } ], "score": 13, "timestamp": "2022-08-28 20:51:31" }, { "author": "ocxtitan", "body": "Gosh this reads like your typical American dream, doesn't it? Sad it has come to this.", "replies": [ { "author": "PaperCotton", "body": "Very sad", "replies": [], "score": 4, "timestamp": "2022-08-29 00:44:27" } ], "score": 13, "timestamp": "2022-08-28 21:26:05" }, { "author": null, "body": "So sorry this happened. I am sure your son is so appreciative of what you did for him. Medical debt is such a sad thing in the US.\n\nI think you have a few options to look at. First is the route of bankruptcy. I think shedding the debt puts you in a very different situation then trying to pay it down. At this point, it would take you about six years to pay it down assuming no interest and $500 a month against it.\n\nYou’re in your golden years and should be able to enjoy it. Have a transparent discussion with your son too. Can he repay the favor and have you both move in with him? That may free up substantial cash per month as well. I know it isn’t always ideal, but that may drastically reduce your time to pay off if you don’t declare bankruptcy and get you back on your feet quickly. Family helps family.\n\nI truly wish you all the best of luck. Sounds like you’re wonderful folks who did the best you could with your son.", "replies": [ { "author": "PaperCotton", "body": "My son is not fully capable of knowing what we actually did for him. There’s no discussion to be had with son, complicated, but just trust me. We’ll never be able to move in with him, he’s in a one small room efficiency, and may have to move in with US soon.", "replies": [ { "author": null, "body": "I'm very sorry, understood. Is your daughter a temporary option? If not, I think you have a few options. The first is to continue to pay down the debt with your remaining capital each month, but I think you will be hard pressed to save.\n\nI am an internet stranger and just outside looking in, but it seems that bankruptcy may clear your debt and obligations. That means a large portion of your remaining income can then go into savings. I think you will also need to break down the remaining cash each month as you said you have $1,500 remaining which does not include basic living expenses. How much of that are you consuming to live? If you can clear your debt, that leaves you some money to build a small emergency fund and do some travelling with you and your husband. Maybe not a camper, but a few trips a year can be had for that easily.\n\nI truly wish you all the best. Don't ever hesitate to lean on any support system you have too for help. Best of luck to you.\n\nEdit: Just read that your husband is full time care. I'm sorry. It sounds like you've been given a tough hand later in life. I hope you find time to get out and socialize. Please ensure you take some time for yourself here too and get to some of the senior events in the town/city or homes. Take care of yourself here too. \n\nBest of luck.", "replies": [], "score": 2, "timestamp": "2022-09-05 01:12:01" } ], "score": 2, "timestamp": "2022-09-04 23:51:03" } ], "score": 3, "timestamp": "2022-08-28 23:26:39" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "PaperCotton", "body": "Yes, we had to", "replies": [], "score": 1, "timestamp": "2022-09-04 23:51:42" } ], "score": 4, "timestamp": "2022-08-28 23:36:15" }, { "author": "Anerky", "body": "In addition to the other comments maybe you can try to increase your income a little. Delivering food, cleaning a few houses babysitting etc for a few hundred a week can make that $1500 into $2000-2500 which would really help you", "replies": [ { "author": "PaperCotton", "body": "Please see my post above. My husband can’t be alone, and I take care of him full time.", "replies": [ { "author": "Anerky", "body": "Can you look into an online customer service job or something like that maybe?", "replies": [], "score": 5, "timestamp": "2022-08-29 00:47:12" } ], "score": 2, "timestamp": "2022-08-29 00:29:51" } ], "score": 7, "timestamp": "2022-08-28 19:38:03" }, { "author": "LooksAtClouds", "body": "Why a camper? Do you want to move into the camper as your home, or just use it for vacations? \n \nQuestion, do you have 2 cars or 1?", "replies": [ { "author": "PaperCotton", "body": "Yes, that was what my thoughts were, travel and live in the camper. \n\nWe have only 1 car now … 2010 Honda Fit Sport paid in full. Many dealers are looking to buy this car, so I could use it as a trade in or sell it outright.", "replies": [ { "author": "LooksAtClouds", "body": "You could try converting your Fit into a camper. Check the many Youtube videos that are out there.", "replies": [], "score": -1, "timestamp": "2022-08-29 02:41:46" } ], "score": 2, "timestamp": "2022-08-29 00:43:59" } ], "score": 7, "timestamp": "2022-08-28 20:26:47" }, { "author": "tekchip", "body": "Some others have mentioned it, after or in addition to looking into bankruptcy, secured CC is the way to go.\n\nMy credit was trash from just not caring until I was 35ish. One of the earlier things I did was call my bank I had been with for a while. They offered a secured card I put $500 on. Bought nothing but my gas with it, paid off in full every month. 6-8 months later I'd recovered 100 points on my credit.\n\nCredit utilization, and keeping it low, is one of the major factors that determine credit score. 100% on time payments is another important factor. Start small.", "replies": [ { "author": "PaperCotton", "body": "Yes I agree with all of this", "replies": [], "score": 1, "timestamp": "2022-09-04 23:53:37" } ], "score": 8, "timestamp": "2022-08-28 21:49:04" }, { "author": "theNaughtydog", "body": "Based on what you tell me, it sure sounds like bankruptcy is the way to go... and I say that as someone who has handled a lot of bankruptcy cases.\n\nWhile you say you can't be sued, I think you mean there is no point in suing you because there is nothing to collect, not that you can't be sued, which you surely can.\n\nIf your credit score is that low and you have no excess income to pay down your debt nor any assets, chapter 7 is probably for you.\n\nI have to tell you that the bankruptcy would pull your score up way faster than paying minimums on your debt.", "replies": [ { "author": "PaperCotton", "body": "I agree completely", "replies": [], "score": 1, "timestamp": "2022-09-04 23:54:12" } ], "score": 3, "timestamp": "2022-08-28 21:44:43" }, { "author": "ptProfessionalftMe", "body": "Hello. I’m 40 and understand the game of credit. Silly question. Who cares what your score is if your needs are met. Did I miss that you were renting and trying to buy a home? I think there is a larger discussion here I’d be willing to hear.", "replies": [ { "author": "PaperCotton", "body": "We may need to move into another apartment when this lease is up, as ,y son may have to live with us, and he’s not allowed to here. A low score makes it hard to be approved..", "replies": [ { "author": "ptProfessionalftMe", "body": "Can you figure out if they actually pull your credit score? I suppose I’ve always rented from places where they simply make sure you don’t have any evictions or outstanding debt on utilities.", "replies": [], "score": 1, "timestamp": "2022-09-06 05:27:15" } ], "score": 1, "timestamp": "2022-09-04 23:56:15" } ], "score": 3, "timestamp": "2022-08-29 01:48:50" }, { "author": "ERTBen", "body": "Honestly, if you lost your home and ruined your credit to help your son get through a tough time he should be returning the favor.", "replies": [ { "author": "PaperCotton", "body": "He is unable to", "replies": [], "score": 2, "timestamp": "2022-09-04 23:56:28" } ], "score": 3, "timestamp": "2022-08-29 02:43:14" }, { "author": "Flaky-Flatworm-451", "body": "Still a lot of questions to answer before I'd be comfortable discussing options with a client.\n\nWhere exactly are you in your 70's?\nHow much do you get from your pensions?\nHow much do you get from SS?\nDo you have other retirement accounts that you're waiting to draw from?\nCan you please breakdown that debt?\nHas the debt been sold off yet, or is it with the original lender?\nWhat's your health looking like these days?\nWhere is your son staying now?\nAre you still paying anything for him?", "replies": [ { "author": "PaperCotton", "body": "I’m just 70. Husband is 74. I’d prefer not to reveal actual income amounts. After rent, phone, renters insurance, and car insurance, there is $1600 left for food, gas, medical supplies, etc. per month. \n\nNo other retirement accounts. Some of the old debt has been sold off, not all of it. \n\nMy health is fair. Aortic stenosis and hypertension (controlled by meds).\n\nMy son is in WA. state, we are in NY state. No we’re not paying anything now, because oldest son took over for a few months, but he’s moving away and will no longer be able to help, so my son may need to come live with us.", "replies": [], "score": 1, "timestamp": "2022-09-05 00:02:14" } ], "score": 3, "timestamp": "2022-08-29 04:14:04" } ]

entrepreneur

Art_Output_500posts.json

Will paying off half of debt bring score up?

PaperCotton

https://www.reddit.com/r/personalfinance/comments/nfvvui/will_paying_off_half_of_debt_bring_score_up/

5

18

Husband and I are 73 and 69. Credit card debt is around $30,000 Of course we’re unable to pay it off all at once. We wondered if it was wise to use our small savings of $18,000 to pay off half to try and get our score higher, as we continue to pay off balance slowly. Or should we just pay all cards off slowly and slowly have our score go up? Will paying off half of all cards, or maybe a few in full, bring our score up quicker than paying all slowly? I’d appreciate any insights. TIA 😊

2021-05-19T04:25:36

[ { "author": "womp-womp-rats", "body": "Back up for a sec: Why are you trying to get your credit score up? Are you planning to borrow money on top of the $30K you already owe?", "replies": [ { "author": "eruditionfish", "body": "Could be trying to qualify for a 0% APR balance transfer card to save interest on the debt. That would be a good reason to want to increase their credit score now.", "replies": [ { "author": "PaperCotton", "body": "That’s one of our reasons. But our score is way too low right now to qualify.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:31:41" } ], "score": 2, "timestamp": "2021-05-19 05:23:08" }, { "author": "PaperCotton", "body": "3 reasons: \n\nTo pay them off and be able to use them WISELY again. I’d prefer to only have 2 good ones, as opposed to the 10 we have now. \n\nWe’re looking for a new apartment to accommodate our son, as I’m his caretaker and we can’t stay in our current 1 bedroom. So We’ll need a good score to qualify, especially in the area we live in.\n\nLooking for a 0% balance transfer card. But need to qualify, our current score does not.", "replies": [ { "author": "eruditionfish", "body": "One note: once you pay off the cards, I wouldn't necessarily close them, since that can hurt your credit score by lowering the number of active accounts, lowering your total credit limit, and potentially lowering the average age of accounts. Unless you have a good reason to close a specific card (like an annual fee), I'd leave it open and just not use it.", "replies": [ { "author": "PaperCotton", "body": "I wasn’t referring to closing them, just not use them. I’d prefer to use only 1 or 2 cards, such as Discover.", "replies": [ { "author": "eruditionfish", "body": "That's a good plan then.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:47:07" } ], "score": 2, "timestamp": "2021-05-19 16:45:02" } ], "score": 1, "timestamp": "2021-05-19 16:35:15" } ], "score": 1, "timestamp": "2021-05-19 16:28:40" } ], "score": 40, "timestamp": "2021-05-19 04:34:26" }, { "author": null, "body": "First off, great job seeking to get your finances under control.\n\nThe ratio of open credit vs total limit will play a role in your credit score but there are a number of other key elements: payment history, collections in your past, outstanding debt. Do you have anything like this? If so then it’s worth taking time and money to remedy them. \n\nThe short answer is you need to get debt free even if it doesn’t move your score a single point. Dave Ramsey has some excellent content on this. Check out the Baby Steps. \n\nWhat other debt are you carrying? Car? Mortgage? Medical?\n\nWhen you say savings of $18,000 is this your entire savings inclusive of retirement? How much could you put towards this debt next month if you really pulled every lever?", "replies": [ { "author": "PaperCotton", "body": "No collections, payment history very good until our son got sick. \n\nAll cards have been closed (by card company) because of non-payment, which happened due to a financial strain from son getting sick.\n\nOur score means a great deal to us now, as we need to move not a larger apartment to accommodate our son.\n\nNo Mortgage, 1 car payment ($150).\n\nThe $18,000 is our entire savings, no retirement other than what we receive each month from pensions and SS.\n\nWe have nothing left to pay towards the debt, than than the savings.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:37:20" } ], "score": 5, "timestamp": "2021-05-19 04:32:41" }, { "author": "Constant_List_6407", "body": "I'm curious why you worry about your credit score in this case?\n\nPaying off debt helps your credit score, no matter how fast you pay it off.\n\nbut more important, paying off debt means you pay less interest. You should be worried about how much interest you are paying right now.", "replies": [ { "author": "PaperCotton", "body": "All cards have been closed/stopped. We need to move into a larger apartment to accommodate our adult son, as we’re his caretakers (he’s very sick). Where we live we’ll need a good score to qualify.", "replies": [ { "author": "Constant_List_6407", "body": "i see. \n\nyour credit score is based in a fairly large part on debt utilization. So the bigger difference between your credit available is vs your card balance. Two ways to do this:\n\n1. pay down a large portion of the card\n2. ask for a higher credit limit on existing cards.\n\nUnfortunately, creditors don't reward closing cards. but stopping using them is the first big step you can take. Next is paying them down. Doing those two things will help your score.", "replies": [], "score": 1, "timestamp": "2021-05-19 17:16:38" } ], "score": 1, "timestamp": "2021-05-19 16:40:27" } ], "score": 2, "timestamp": "2021-05-19 12:24:14" }, { "author": "WhosTheBaus", "body": "If this was me I would definitely throw the $15k at the CC debt. If this is across multiple cards you should also prioritize paying down the cards with the highest interest rate.", "replies": [ { "author": "PaperCotton", "body": "Paying down the highest interest cards make sense, but we’re really needing a higher score as soon as possible, see above why.", "replies": [], "score": 1, "timestamp": "2021-05-19 16:42:11" } ], "score": 2, "timestamp": "2021-05-19 14:14:22" }, { "author": null, "body": "How much a month are you paying in interest? That is $ down the drain.", "replies": [ { "author": "PaperCotton", "body": "I’ll have to check that, as there are 10 cards all together.", "replies": [], "score": 0, "timestamp": "2021-05-19 16:38:31" } ], "score": 0, "timestamp": "2021-05-19 04:57:32" } ]

entrepreneur

Art_Output_500posts.json

Electric Mario Bros

dsherwo

https://www.reddit.com/gallery/p3zfo0

388

27

2021-08-14T02:16:01

[ { "author": "RaHarmakis", "body": "Very Cool idea!", "replies": [ { "author": "dsherwo", "body": "Thanks! I had been intending to make them out of the controller cables, but the cables weren’t long enough for a good portrait. So I snipped them and switched to the EL wire, making it activate with the controller was the natural next step.", "replies": [ { "author": "RaHarmakis", "body": "I would think that Link or Donkey Kong would be the next logical step Lol \n\nHow do they look in the dark?", "replies": [ { "author": "dsherwo", "body": "Oh yeah and I’ve got a yoshi all drawn up. Donkey Kong coming soon for sure!", "replies": [], "score": 2, "timestamp": "2021-08-14 06:36:57" } ], "score": 3, "timestamp": "2021-08-14 02:34:54" } ], "score": 2, "timestamp": "2021-08-14 02:32:35" } ], "score": 3, "timestamp": "2021-08-14 02:29:49" }, { "author": "ObvsLRKR", "body": "I want toad", "replies": [ { "author": "dsherwo", "body": "Commission me! These are spoken for but they’re around $300 each", "replies": [], "score": 1, "timestamp": "2021-08-14 02:56:54" } ], "score": 3, "timestamp": "2021-08-14 02:44:14" }, { "author": "GucciGamer14", "body": "Nice I like it", "replies": [ { "author": "dsherwo", "body": "Thank you! I had the controllers sitting around for a while and had been meaning to make a piece. It takes forever, but the end result is killer", "replies": [ { "author": "Dustin0791", "body": "So is the black wire in the back a bendable metal or is it the coloured wire? Or am I just wrong...", "replies": [ { "author": "dsherwo", "body": "Yeah! The back is dark annealed steel, commonly know as\nBailing wire. It’s the main material I use in my sculptures", "replies": [ { "author": "Dustin0791", "body": "Cool thanks! I've got an idea for something similar", "replies": [], "score": 2, "timestamp": "2021-08-14 05:34:24" } ], "score": 2, "timestamp": "2021-08-14 05:33:39" } ], "score": 2, "timestamp": "2021-08-14 05:26:03" } ], "score": 3, "timestamp": "2021-08-14 02:31:41" } ], "score": 2, "timestamp": "2021-08-14 02:17:29" }, { "author": null, "body": "Do sonic next", "replies": [ { "author": "dsherwo", "body": "I do commissions man! HMU and I’ll make it happen for you.", "replies": [ { "author": null, "body": "Uh i thought u do them for fun\n\nIf i had the money id definitely be interested in such thing but\n\nI dont even have 40$ for a controller lol", "replies": [ { "author": "dsherwo", "body": "Haha I made these for fun, I am a sculptor though and do a lot of wire in particular", "replies": [ { "author": null, "body": "I see\n\nThey do look pretty impressive tho\n\nJust wanted to know how would a sonic one look like XD", "replies": [], "score": 2, "timestamp": "2021-08-14 10:08:44" } ], "score": 1, "timestamp": "2021-08-14 10:06:52" } ], "score": 2, "timestamp": "2021-08-14 08:58:16" } ], "score": 1, "timestamp": "2021-08-14 08:57:23" } ], "score": 2, "timestamp": "2021-08-14 08:44:28" }, { "author": null, "body": "These are cool yet very cursed at the same time. I have mixed feelings about these", "replies": [ { "author": "dsherwo", "body": "It’s the eyes. I made the pupils larger than normal and made them deferent sizes and angles to give the Bros that “just ate a mushroom” vibe", "replies": [], "score": 2, "timestamp": "2021-08-14 10:09:42" } ], "score": 2, "timestamp": "2021-08-14 10:01:25" } ]

gaming

Art_Output_500posts.json

It’s a mee, Mario!

dsherwo

https://www.reddit.com/gallery/otj2ed

191

12

2021-07-28T21:08:07

[ { "author": "ApprehensiveChemist0", "body": "Okay, thats really cool and clever, i would have never have thought of that in a million years, really creative. Are you going to experiment with other vintage controllers and games?. Theres a cool vintage game called The Simpsons Barts Nightmare, you could do Barts head as-well, that could be cool. Thanks for the cool share.", "replies": [ { "author": "dsherwo", "body": "Totally! I have a bunch of controllers left. A Luigi in green is in the works as we speak. Plus I have a 1985 Nintendo zapper, was thinking about doing something Duck Hunt. \n\nI’ll look into Barts Nightmare - Bart would look fantastic as a one line sculpture!", "replies": [ { "author": "ApprehensiveChemist0", "body": "The Duck Hunt idea sounds really cool, i hadn't even thought of that, you should for sure consider the Duck Hunt idea.", "replies": [], "score": 2, "timestamp": "2021-07-28 21:42:06" } ], "score": 2, "timestamp": "2021-07-28 21:25:14" } ], "score": 2, "timestamp": "2021-07-28 21:21:22" }, { "author": "godsbrothernate", "body": "What does the konami code do for it?", "replies": [ { "author": "dsherwo", "body": "[this!](https://m.youtube.com/watch?v=YddwkMJG1Jo)", "replies": [ { "author": "godsbrothernate", "body": "I prefer john cena but rick he do be rollin.", "replies": [], "score": 2, "timestamp": "2021-07-28 23:28:12" } ], "score": 1, "timestamp": "2021-07-28 21:26:58" } ], "score": 2, "timestamp": "2021-07-28 21:21:38" } ]

gaming

Art_Output_500posts.json

Simple exercises to help lose thigh fat?

tomob234

https://www.reddit.com/r/Fitness/comments/25jqtl/simple_exercises_to_help_lose_thigh_fat/

0

10

I can only get to the gym about twice a week these days with schoolwork and other stuff I've got going on in my life, but I'm still trying to eat healthy and lose weight. I've been getting fit since last year and have lost over a stone already. I've gone down from XXL to XL/L clothing sizes and my waist size is now about 40 inches, whereas last year it was 46 inches. Long story short, I do look a lot slimmer but am still quite fat. My main target areas to try and chisel away at now are my thighs and belly fat. Do any of you guys have any simple but effective exercises I could do at home every day? I am determined to keep going until every last bit of flab on my body is gone forever. Thanks for reading guys.

2014-05-14T16:26:48

[ { "author": "TheCrafter", "body": "Fat loss is calories in < calories out. You can't target it with any exercises or diet.\n\nSimply eat below maintenance.", "replies": [ { "author": "tomob234", "body": "I've given up a lot of junk food, nowadays I never pig out on chocolate and soft drinks like I used to, I try and treat myself during weekends though.", "replies": [], "score": 1, "timestamp": "2014-05-14 21:19:40" } ], "score": 1, "timestamp": "2014-05-14 16:34:59" }, { "author": "asdf27", "body": "Unfortunately it isn't possible to spot reduce fat in any appreciable manner without say liposuction.\n\nHowever one thing for belly fat is having stronger abdominal muscles can slightly reduce how much your visceral stomach fat is protruding. So thinks like plank, ab wheel, dragon flag etc can help reduce the appearance of stomach fat.", "replies": [ { "author": "tomob234", "body": "I can see the logic behind that, I'll tell my trainer to include more of those kinds of exercises into my workout", "replies": [], "score": 1, "timestamp": "2014-05-14 21:18:14" } ], "score": 1, "timestamp": "2014-05-14 16:35:03" }, { "author": "ChokingVictim", "body": "There's no such thing as losing fat in a specific part of your body. If you want to lose the fat in your thighs, you need to eat less calories than your body needs to maintain weight. You will therefore lose fat all over your body, which includes your thighs. Simple as that. Doesn't matter how many leg presses or thigh abductor-machine-things you do, you won't lose fat in that specific area. ", "replies": [ { "author": "tomob234", "body": "I guess I'll accept the harsh reality XD, thanks for the advice!", "replies": [], "score": 1, "timestamp": "2014-05-14 21:17:04" } ], "score": 1, "timestamp": "2014-05-14 16:36:21" }, { "author": null, "body": "Exercising your quads/hams without cutting your calories (only way to lose weight) is only going to result in larger quads/hams. Cut your calories. You can't target weight loss.", "replies": [ { "author": "tomob234", "body": "Alright man, thanks for the advice. I've cut my calories a shitload by giving up sugar and soft drinks, drastically cutting down on chocolate, giving up using salt on food and I also drink a lot of water these days. I don't have an actual diet plan; I just stay away from junk food.", "replies": [ { "author": null, "body": "Count your calories religiously with MyFitnessPal or you may end up spinning your wheels. There's more calories in certain foods than you might realize. Best of luck!", "replies": [], "score": 1, "timestamp": "2014-05-14 21:27:14" } ], "score": 2, "timestamp": "2014-05-14 21:16:31" } ], "score": 1, "timestamp": "2014-05-14 16:37:57" } ]

science

Art_Output_500posts.json

JAWS - The Ultimate Summer Movie?

tomob234

https://www.reddit.com/r/movies/comments/22g0iq/jaws_the_ultimate_summer_movie/

12

17

I have a tradition going on where towards the beginning of summer every year, I sit down and watch the original Jaws. To me, it's the perfect summer movie because it embodies the ultimate holiday nightmare; swimming with a giant, killer great-white shark. Any of my fellow movie buffs agree or disagree?

2014-04-07T18:15:54

[ { "author": "madism", "body": "There's really no argument on this. It started the trend and it was made for a mere $9 million and went on to rake in over $470 million.\n\nIt's still one of the most profitable movies of all time AND it made millions of people not want to go in the water again.", "replies": [ { "author": "tomob234", "body": "Indeed. Long live the legend!", "replies": [], "score": 2, "timestamp": "2014-04-07 19:30:56" } ], "score": 5, "timestamp": "2014-04-07 19:09:39" }, { "author": "nomadofwaves", "body": "This is in my top 3 favorite movies to watch.\n\n\"That's some bad hat harry...\"\n\nOne of my favorite scenes is Brody at the table and the kid copying his movements.", "replies": [ { "author": "tomob234", "body": "It's such a great movie that I'm finding it hard to choose one scene I'd call my favorite. I'm going to go with Quint's monologue about the USS Indianapolis. To this day, I still consider it one of the most genuinely riveting and chilling pieces of screenwriting ever. The way that Shaw says those lines in that rough, gravelly voice adds to the drama.", "replies": [ { "author": "nomadofwaves", "body": "Yea. That's definitely up there in all time movie scenes.", "replies": [ { "author": "tomob234", "body": "I remember one of the ideas they had tossed around for Jaws 2 was a movie centering around the Indianapolis story but they turned it down because it wouldn't resemble Jaws enough. Shame really, I think it's a fantastic idea for a movie.", "replies": [], "score": 1, "timestamp": "2014-04-09 14:02:46" } ], "score": 1, "timestamp": "2014-04-09 02:01:18" } ], "score": 1, "timestamp": "2014-04-08 23:23:07" } ], "score": 2, "timestamp": "2014-04-08 01:38:41" }, { "author": "Smoke_eater", "body": "Vineyarder here. I was an extra in Jaws. They shot it in the spring and it was very cold on the beach.", "replies": [ { "author": "tomob234", "body": "I've always wondered, how did they convince you guys to go in the water if it was so freezing cold? I remember David Brown (one of the producers) in the making of documentary on the DVD saying that the waters were exceedingly cold at the time of the filming. This is cool, I've never talked to a person involved with a classic movie before!", "replies": [ { "author": "Smoke_eater", "body": "We were in and out of the water very quickly. Vineyard water is actually fairly warm year round. The air was cold though. \n\nIt was kind of fun doing it with my friends. Brody's son Michael was my cousin. So that was really cool too.\n\nI honestly didn't realize was a big deal it was going to be.", "replies": [ { "author": "tomob234", "body": "Thats awesome. Jaws has always been my all-time favourite movie and one of the things on my bucket list is to visit Martha's Vineyard and see the locations for myself. I was just wondering though if Vineyarders ever get tired of visitors talking about Jaws all the time? It's just that I'd be afraid of coming off as obnoxious if and when I visit for myself. ", "replies": [ { "author": "Smoke_eater", "body": "Not really. There aren't very many actual natives left. It's pretty much Long Island East now. But it was a very cool place back in the day and a great place to grow up.", "replies": [ { "author": "tomob234", "body": "I see. When I visit I plan on swimming at the beaches while trying NOT to think of the movie XD. Who knows, I may even rent a boat and pretend to be Quint :) This is cool, it's interesting to get a chance to talk to (even over the internet) someone involved with my all-time favorite movie. ", "replies": [], "score": 1, "timestamp": "2014-04-11 14:53:28" } ], "score": 1, "timestamp": "2014-04-10 23:18:32" } ], "score": 1, "timestamp": "2014-04-10 17:37:15" } ], "score": 2, "timestamp": "2014-04-10 01:15:53" } ], "score": 2, "timestamp": "2014-04-09 14:01:57" } ], "score": 2, "timestamp": "2014-04-09 01:53:37" }, { "author": "thedankknight90", "body": "I believe the torch has been passed. Yes, for the time it came out and all the hardships of over-budgeting and technical difficulties that have become infamous with the legend that is the JAWS production, it was a huge box office and culture phenomenon. However, given with a lot of advances in both practical and CGI effects over the past 20 years, I believe that the 'original summer blockbuster' simply paved a wide plot of land for a foundation that has been filled and improved upon many times over. It has been 39 years and I would hate to think that despite all of its accomplishments and cultural significance, as well as Spielberg's talents, have yet to be met or exceeded. ", "replies": [ { "author": "tomob234", "body": "Indeed. It seems to me as if the majority of all mainstream Hollywood summer movies tend to be cliched action flicks or new instalments in an existing franchise. It really is a shame that the advent of CGI technology has made the use of practical special effects a rapidly dying art, because I know for a fact that if Jaws had been made in the 21st century, it would have been only half as effective.", "replies": [], "score": 1, "timestamp": "2014-04-07 19:30:31" } ], "score": 1, "timestamp": "2014-04-07 19:21:58" }, { "author": "georgieramone", "body": "To me Terminator 2 was the ultimate summer flick. That might just be because it was the big summer movie of my generation and to see that in theaters was incredible. T2 influenced almost every blockbuster movie to come out after it because of its groundbreaking special effects and amazing action sequences.", "replies": [ { "author": "tomob234", "body": "I love T2 and for me it's still one of the only movies I have ever seen to use CGI the right way and pull it off effortlessly. I mean, nearly 20 years later it still looks good, which is a testament to the ingenuity and sheer talent of those who worked on it. I can't stand T3, but I thought Salvation (aka T4) was fairly decent if you approached it as a stand-alone action movie rather than a Terminator sequel.", "replies": [], "score": 2, "timestamp": "2014-04-07 19:34:12" } ], "score": -1, "timestamp": "2014-04-07 19:15:17" } ]

movies

Art_Output_500posts.json

Titanic II - Disrespectful on every level

tomob234

https://www.reddit.com/r/history/comments/1ri8wv/titanic_ii_disrespectful_on_every_level/

1

8

It is no secret that the sinking of the Titanic is perhaps the most well-known sea tragedy of all time. Ever since the discovery of her wreck in 1985, many have proposed the fantastical ideas of either raising the wreck or rebuilding the Titanic using surviving blueprints of her identical sister ship, Olympic. Ever since Clive Palmer, the Australian billionaire, announced his plans to resurrect the ship in the form of a working replica, complete with improved safety features and lifeboat numbers, I have been approaching his plans with an equal mixture of excitement and disdain. Some say that rebuilding such a universally famous ship of the past would give people a rare chance to relive history and that the Titanic story is more than famous enough to recapture, whereas some say that to do this would be very disrespectful to all those who perished in the icy waters of the North Atlantic during the Titanic's sinking and that the wreck should be left undisturbed, to rest in peace. My own opinion is of the latter; leave the story of the Titanic and the ship itself to rest in peace, allow its legend to live on and to respectfully acknowledge the loss of life involved. What do you guys think? Rebuild the Titanic or leave her story to rest in peace?

2013-11-26T17:22:40

[ { "author": "NegativeGhostwriter", "body": "I don't think it's disrespectful- not so much as that stupid movie anyway. \n\nI do wonder how they'll compromise between authenticity and modern amenities. \n\n", "replies": [ { "author": "tomob234", "body": "I agree that the James Cameron movie was overblown. I heard that they'll be replacing all the technology with modern machinery, they'll be adding an extra deck to house lifeboats and that the hull will be strengthened, for obvious reasons. ", "replies": [], "score": 2, "timestamp": "2013-11-26 22:47:59" } ], "score": 3, "timestamp": "2013-11-26 17:51:55" }, { "author": null, "body": "I'm on the fence with this one. I personally love the legend. But I do agree let the legend and her memories live one respectfully so. Even though, I don't believe this idea is half as bad or as silly as the many movies and shows that they've made about this topic. Also, I am curious to see what the replica will have on it since there is a century difference as well as other accommodations.", "replies": [ { "author": "tomob234", "body": "I'm not exactly opposed to the idea, I just can't see this happening, simply due to the fact that many will find it distasteful, especially those who had relatives that perished in the sinking. If this does go ahead, then I sincerely hope that they treat it as a solemn, living testament to an awful disaster and not just an overblown cash-in on global interest in the Titanic disaster. ", "replies": [], "score": 1, "timestamp": "2013-11-26 22:50:09" } ], "score": 1, "timestamp": "2013-11-26 20:52:27" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "tomob234", "body": "Exactly. Instead of trying to resurrect such an overly grandiose design of the past, leave its story to remain at peace and live on in legend.", "replies": [], "score": 1, "timestamp": "2013-11-28 16:12:22" } ], "score": 1, "timestamp": "2013-11-28 10:39:33" }, { "author": "corcleps", "body": "> very disrespectful to all those who perished in the icy waters of the North Atlantic\n\nthey're dead and their children are dead and who even cares", "replies": [ { "author": "tomob234", "body": "Well, I care, because if Titanic had never sunk, we wouldn't have all the maritime safety laws that we have in place today, the International Ice Patrol would never have been established and society would never have learnt to put too much faith into modern technology, because any human design is fallible. ", "replies": [], "score": 0, "timestamp": "2013-11-28 16:14:21" } ], "score": 1, "timestamp": "2013-11-28 11:39:46" } ]

movies

Art_Output_500posts.json

The Wheel of Time series has already cured so much that was wrong with my mind.

Rockin_freakapotamus

https://www.reddit.com/r/books/comments/nw84a7/the_wheel_of_time_series_has_already_cured_so/

1,136

337

I have never been an avid reader. I presume that I may have undiagnosed ADHD based on my inability to focus on anything for an extended period of time. I use SparkNotes through high school and college. The last novel I completed before this year was over 5 years ago and no more than 300 pages. Then I came across The Eye of the World. Following the disappointing ending to Game of Thrones, I decided I had no interest in reading the Song of Ice and Fire series, so I tried (based on Reddit recommendations) the Malazan Book of the Fallen by Steven Erikson and couldn't get past 50 pages. I gave up for awhile on reading for fun. I have a career that requires a lot of reading, and it is hard to get motivated to read for fun. Recently, I decided to give it another try with the Wheel of Time series. I came in with low expectations on my ability to tackle such a lengthy series, but I read good things about the writing style and story telling, so I gave it a try. I finished the first book (over 600 pages) in less than two weeks. The writing does such a great job of slowly introducing potential danger only to jump out at you with immediate danger. The characters are likeable and relatable. For the first time ever, I find myself unable to put a book down. I tell myself I will read 10 pages or one chapter at night, then finally go to bed after 100 pages or more. I actually woke up this morning wanting to watch the next episode of this story, only to have to remind myself that it was not a show, but a book that I was able to picture mentally as vividly as if on screen. I am 200 pages into the second book (The Great Hunt) and cannot adequately express how enjoyable these books are. This may be a turning point for me with reading for leisure, and I can't give enough thanks to Robert Jordan, the author of the series. I know the later books were written by another offer due to Jordan's death, but if the rest are near as good as what I have read so far, I will read this whole series.

2021-06-09T22:26:19

[ { "author": "EndlessPiece", "body": "Good news, OP. (Or bad news depending on how it turns out). It is being adapting it a TV Show for Amazon(?).", "replies": [ { "author": "Rockin_freakapotamus", "body": "I’m avoiding it until I finish reading the whole series. I have already imagined the characters in my head and seeing them differently on screen may ruin my interpretation.", "replies": [ { "author": "twatfantesticles", "body": "Good call. HP was ruined for me after seeing the movies.", "replies": [], "score": 10, "timestamp": "2021-06-10 06:19:00" }, { "author": "killslayer", "body": "i think this is the best idea since based on what i've read they plan on introducing elements from multiple books in the first season", "replies": [ { "author": null, "body": "Only book 1 and some of book 2 from what I heard.\n\nThe first couple of seasons should stick to the books as much as possible imo and the last books too.\n\nThe so called slog can def be quickened and those books(8-10?) can be incorporated into one season.", "replies": [], "score": 5, "timestamp": "2021-06-10 09:14:30" } ], "score": 5, "timestamp": "2021-06-10 04:14:28" } ], "score": 61, "timestamp": "2021-06-09 22:49:40" } ], "score": 60, "timestamp": "2021-06-09 22:48:05" }, { "author": null, "body": "[deleted]", "replies": [ { "author": "sojywojum", "body": "Sanderson definitely pulled it off. Some characters are written less well, and other characters are written AMAZINGLY better.", "replies": [ { "author": null, "body": "[removed]", "replies": [ { "author": "Rockin_freakapotamus", "body": "Please, no spoilers", "replies": [ { "author": null, "body": "I am not sure if you read the Chapter where Rand speaks to the Amyrlin seat. Thats was one of the best chapters IMO. I almost loved al'Lan at the end of the first book. That chapter made Lan my favorite character honestly. Also a chapter called \"the watchers\" is amazing too. The third book has much better pacing than the second one. Second has a lot of amazing moments. The last chapters are goosebumps galore.", "replies": [], "score": 1, "timestamp": "2021-06-10 01:55:28" }, { "author": null, "body": "[removed]", "replies": [ { "author": null, "body": "[removed]", "replies": [], "score": 2, "timestamp": "2021-06-10 01:03:01" }, { "author": "CrazyCatLady108", "body": "No plain text spoilers allowed. Please use the format below and reply to this comment, to have your comment reinstated.\n\nPlace >! !< around the text you wish to hide. You will need to do this for each new paragraph. Like this:\n\n >!The Wolf ate Grandma!<\n\nClick to reveal spoiler.\n\n>!The Wolf ate Grandma!<", "replies": [], "score": 1, "timestamp": "2021-06-10 01:29:08" } ], "score": 0, "timestamp": "2021-06-10 01:00:07" } ], "score": 10, "timestamp": "2021-06-10 00:46:56" } ], "score": 1, "timestamp": "2021-06-10 00:44:21" } ], "score": 20, "timestamp": "2021-06-09 23:38:52" } ], "score": 29, "timestamp": "2021-06-09 22:44:00" }, { "author": "Paolo94", "body": "I want to read this series, but I’m always intimidated by the length and amount of books. 14 books seems like such a huge undertaking, and with how slow I read, it would take me *well* over a year to finish this series. Also, hearing people talk about the slog is a little discouraging. I just don’t know if I have enough stamina to read this series at the moment.", "replies": [ { "author": "Rockin_freakapotamus", "body": "Take my story as motivation. This is the first time I have ever read a series of books, and I’m loving it. Read the first and feel free to DM me for discussion. I’m hooked.", "replies": [], "score": 8, "timestamp": "2021-06-10 00:38:55" } ], "score": 5, "timestamp": "2021-06-10 00:26:31" }, { "author": null, "body": "I honestly didn’t really like the characters, or how everytime it switched to Perrin’s POV Jordan reminded the reader he had to move slowly because he was strong lol", "replies": [ { "author": "Rockin_freakapotamus", "body": "I loved how you didn’t get a POV aside from Rand until halfway through book one. It as jarring.", "replies": [ { "author": null, "body": "And then barely having any in book 3. I enjoyed them for sure but yeah the characters really blew it for me", "replies": [ { "author": "BadSanna", "body": "Gotta disagree with you on this one. Jordan's characters are some of the best in literary history.", "replies": [], "score": 6, "timestamp": "2021-06-10 02:59:47" } ], "score": -2, "timestamp": "2021-06-10 00:52:49" } ], "score": 2, "timestamp": "2021-06-10 00:39:48" } ], "score": 1, "timestamp": "2021-06-10 00:30:54" }, { "author": "Kayyam", "body": "Which book you started with?", "replies": [ { "author": "Rockin_freakapotamus", "body": "Eye of the World", "replies": [], "score": 2, "timestamp": "2021-06-10 00:39:06" } ], "score": 1, "timestamp": "2021-06-10 00:30:28" } ]

books

Art_Output_500posts.json

Good games for restricted audio environment?

zackmophobes

https://www.reddit.com/r/gaming/comments/1j5gyyj/good_games_for_restricted_audio_environment/

0

42

I have a remote job answering phones and need to respect the audio waves so that I don't have background noise. I want some good game recommendations where the audio is not needed for a good experience. I know I can just mute the game but I can't play any story driven games with good voice acting as I would feel like I am missing out, I will play those when I'm not working. I'm looking for pauseable engaging games that I can play on mute without losing much of the experience. I play all kinds of games, too many to list but recently been playing 7days to die (hard to play at work, I need to hear those zombies), FTL, Into the Breach, binding of Isaac (love this one), Hades, Slay the Spire, OSRS, good ol AoE2. I'm thinking Doom Eternal would be a good choice, I can pause it and there should be subtitles for the small bits of voice acting. What do y'all think would be fun and pauseable and able to play muted? 🎮

2025-03-07T06:13:14

[ { "author": "balugabe", "body": "Civilization. Honestly though most strategy games, real time or turn based", "replies": [ { "author": "zackmophobes", "body": "I don't know why but I just cannot get into Civ. I tried on many versions and it's just not for me. \n\nI enjoy games like Fire Emblem or Final Fantasy Tactics and Age of Empires but the diplomacy games don't do it for me.", "replies": [ { "author": "balugabe", "body": "Maybe Xcom? You mentioned Doom eternal, but that's a game you need to be locked in to play", "replies": [], "score": 5, "timestamp": "2025-03-07 06:28:00" }, { "author": "ConfusedAdmin53", "body": "Diplomacy in Civ is conducted at the tip of a sword.", "replies": [], "score": 2, "timestamp": "2025-03-07 13:54:48" } ], "score": 2, "timestamp": "2025-03-07 06:23:58" } ], "score": 12, "timestamp": "2025-03-07 06:20:59" }, { "author": "IcyColdFyre", "body": "Balatro", "replies": [ { "author": "zackmophobes", "body": "Ooh good call", "replies": [], "score": 3, "timestamp": "2025-03-07 06:19:09" } ], "score": 12, "timestamp": "2025-03-07 06:17:10" }, { "author": "bobthemutant", "body": "Terraria. No story, no voice acting, and only a few enemies and other things with sound cues, but nothing so important that gameplay will be seriously impacted. The modding scene is amazing and several mods are worth doing an entire separate playthrough of if you finish vanilla and want more.\n\nBug Fables. I'll never not take an opportunity to simp for this game. It's a spiritual successor to the classic Paper Mario RPGs. It is a story focused game, but there's no voice acting so all dialogue is text. It has charming music and sound effects, but playability isn't impacted by playing mute.\n\nRisk of Rain 2. I haven't played it since Gearbox took it over, but it's a satisfying roguelike that wants you to break it. Lots of character and build variety, no story or voice acting, good OST you might miss out on but otherwise no majorly important sound cues.\n\nVampire Survivor. Personally haven't played this, but most of my friends have and it was their top pick for 'brain off and chill out' games to play while watching a movie or doing something else. There are loads of 'vampire survivor-likes' that flooded steam after its success if you're looking for something similar with different themes.\n\nValheim. Easily my favorite 3d action/survival/craft game since Minecraft. Like Terraria its progression is structured around defeating bosses. Unlike Terraria it's much more about the classic survival elements of exploring, gathering, and crafting. \n\nIf you enjoy building you can spend hundreds of hours making elaborate bases. There's a decent modding community, though the mods aren't nearly as extensive as Minecraft or Terraria.\n\nCore Keeper. A charming top-down perspective Terraria-adjacent survival/craft/exploration game that's more heavily weighted towards exploration and resource gathering. It's a great deal simpler than Terraria, but follows a similar style of progression. No voice acting, good OST, only a handful of gameplay related sound cues.\n\nDungeon Defenders. I feel old saying it, but by now this is a classic. It's an RPG-lite Tower defense game with a variety of character classes and diablo-esque loot drops to increase your character's stats. Story is a throwaway excuse for the setting/themes and doesn't matter in the slightest. \n\nIt's not a pure tower defense game in that you'll be actively participating in the fighting and managing your defenses after a build phase. To this day is still regularly getting new updates. It has extensive end-game content, but is still great fun to play through even if you don't chase the hardest difficulties and challenge maps.", "replies": [ { "author": "zackmophobes", "body": "Yo these are some solid recs thanks. I have hundreds of hours in Valheim and Terraria and getting on up there in Vampire Survivors. Def gonna check the others out tyvm.", "replies": [], "score": 3, "timestamp": "2025-03-07 08:03:57" } ], "score": 5, "timestamp": "2025-03-07 08:01:17" }, { "author": "ZehTorres", "body": "How about Vassal? Vassal is a free program to play boardgames. They have a good catalogue of solo games", "replies": [ { "author": "zackmophobes", "body": "I'll give it a look, I also have tabletop simulator which has some great auto setup options and single player board games too. \n\nOn first glance Vassal seems like a great tool especially for my tabletop game group and we are about to start a new campaign. Thank you for the recommendation!", "replies": [], "score": 1, "timestamp": "2025-03-07 06:21:26" } ], "score": 3, "timestamp": "2025-03-07 06:19:00" }, { "author": "Mynsare", "body": "Kenshi.", "replies": [ { "author": "zackmophobes", "body": "Doesn't that one have an amazing soundtrack? I'd feel kinda bad playing it on mute.", "replies": [], "score": 1, "timestamp": "2025-03-07 08:05:12" } ], "score": 2, "timestamp": "2025-03-07 08:02:27" }, { "author": "BosPaladinSix", "body": "I am so confused, if Doom Eternal is on the table then it would seem like everything else could be too?", "replies": [ { "author": "zackmophobes", "body": "I might have messed up listing that as an example I haven't played it yet and don't know how much the voice lines and story matter. RDR2 is off the table for example because I want to enjoy the voice acting and music.\nIf Killing floor two or Vermintide were pauseable I'd play those a bunch. Love the action and voice lines don't matter, but they are not. I did play Doom 2016 and had a great time with that. There were subtitles for the sparse story lines and the rest of the audio didn't matter much, I assumed Eternal was similar IDK.", "replies": [ { "author": "BosPaladinSix", "body": "Huh, alrighty then. Enter The Gungeon or Broforce might interest you? They don't have super deep stories but they're a lot of fun and very easy to pick up/put down.", "replies": [ { "author": "zackmophobes", "body": "Enter the Gungeon is on my wishlist, will def look up broforce. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 08:20:17" } ], "score": 2, "timestamp": "2025-03-07 08:18:30" } ], "score": 2, "timestamp": "2025-03-07 08:14:59" } ], "score": 2, "timestamp": "2025-03-07 08:09:32" }, { "author": "OGMemecenterDweller", "body": "Risk of Rain 2", "replies": [ { "author": "zackmophobes", "body": "Ooh interesting art style. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 09:55:46" } ], "score": 2, "timestamp": "2025-03-07 09:32:19" }, { "author": "QueenSketti", "body": "How about you dont game while working like wtf", "replies": [ { "author": "zackmophobes", "body": "🤣", "replies": [], "score": 1, "timestamp": "2025-03-07 06:39:43" } ], "score": 5, "timestamp": "2025-03-07 06:37:20" }, { "author": "potkoorook", "body": "Play whatever you like. \nPress 'pause' when you need to deal with a client. \nHow is this hard?", "replies": [ { "author": "zackmophobes", "body": "I do. It's not. \nYou are rude.", "replies": [ { "author": "potkoorook", "body": "Why are you asking this question, then? You already know the answer.", "replies": [ { "author": "zackmophobes", "body": "You ever get bored playing the games you do? I want new ones that I hadnt thought of. The circumstance of not being able to listen to the game is annoying to me and its hard to know which ones the audio doesn't matter at all, so I reached out to the community to see. Simple as. Do any come to mind?", "replies": [ { "author": "potkoorook", "body": "I'm sorry for being 'rude'. \nIf you can't stop playing your game when you are dealing with a client, I feel sorry for your employer. \nPersonally I would sack you. I would copy this thread and forward it to any employer who asked me for a reference.", "replies": [ { "author": "zackmophobes", "body": "Yeah that scans. I take my job very seriously and I do really welll, my boss is a huge gamer too. Not sure how you came to the conclusion that I cant stop playing when duty calls, pausing is a very important part of my request here for that exact reason. Sucks that you have nothing of value to add. I hope your life is better than your outlook.", "replies": [ { "author": "potkoorook", "body": "I also take my business seriously. That's why I don't allow employees to play games on company time. \nYou have already told us that you can't concentrate on your work and play games in your post. Did you actually read it?", "replies": [ { "author": "zackmophobes", "body": "At no point did I say I can't concentrate. My job is remote and overnight and there is a lot of empty time waiting between things. I said that I need to respect the audio waves and that I need to be able to pause (to deal with work). Not sure what you are trying to prove or why I'm even engaging with you here when you clearly have nothing to add. \nI will also say that if you think your employees aren't playing games or on their phone or socializing during down time you are naive stupid or both.", "replies": [], "score": 3, "timestamp": "2025-03-07 10:15:10" } ], "score": 4, "timestamp": "2025-03-07 10:07:07" } ], "score": 3, "timestamp": "2025-03-07 09:38:08" } ], "score": 3, "timestamp": "2025-03-07 09:23:18" } ], "score": 2, "timestamp": "2025-03-07 09:01:10" } ], "score": 0, "timestamp": "2025-03-07 08:52:36" } ], "score": 1, "timestamp": "2025-03-07 08:06:16" } ], "score": 3, "timestamp": "2025-03-07 07:55:27" } ]

gaming

Art_Output_500posts.json

Asking for friend who needs some advice: car motor got fried by an oil change company, what is the financial next step.

zackmophobes

https://www.reddit.com/r/personalfinance/comments/1cmgv5y/asking_for_friend_who_needs_some_advice_car_motor/

0

15

Asking for my buddy who recently had some bad luck with his vehicle. It's a fairly new Ford escape and had zero issues before he got an oil change. The place he did it apparently didn't put oil in after draining it or didn't replace the plug correctly and upon driving it to work it stopped working. He took it to a mechanic who stated that the motor needs to be replaced. Vehicle is about 22k and financed. He is still paying on it and probably has paid off about 8k so far. The motor replacement will be about 10k. Insurance is declining to assist even though he had full coverage. I am asking for the financial advice in this situation. I welcome insights on how to handle this situation if anyone has had similar experiences but I do understand that is probably best asked to r/legaladvice and I will as well. But my question is: should he stop paying on this vehicle at this point? What makes financial sense.

2024-05-07T17:02:32

[ { "author": "Careful-Rent5779", "body": "Lawyer up. Oil change company is not going to eat this without a fight.\n\nShould have already taken a picture of the oil pan to document if the plug was in place or not. Get a statement/date/name and whatever else from the second mechanic ASAP. Keep all the records, you definitely need the oil change companies receipt (having only driven 20 miles before the failure will work in your favor). Owner should continue payments, its not the lienholders responsibility and even if the car was respossed the debt is still owed.\n\nHow long did your friend drive around with the oil light on? Just ask'n", "replies": [ { "author": "zackmophobes", "body": "Afaik it stopped working on the way to work from the oil place (20 min drive)", "replies": [ { "author": "After-Jellyfish5094", "body": "We don't need this information. Tell your buddy to do the above.", "replies": [ { "author": "zackmophobes", "body": "I was just answering the guy who was asking me 🤷‍♂️", "replies": [], "score": 1, "timestamp": "2024-05-07 19:23:20" } ], "score": -7, "timestamp": "2024-05-07 19:13:55" } ], "score": 1, "timestamp": "2024-05-07 17:36:49" } ], "score": 12, "timestamp": "2024-05-07 17:23:04" }, { "author": "froggertwenty", "body": "I have some doubts about this story. There is a reason they pull the dipstick and check your oil pressure with you before you pull away. Not to mention the car will absolutely tell you if you don't have oil pressure. Did he just continue driving through that? \n\nBut yes, he still owes that money. Doubtful a lawsuit with the oil change company goes anywhere because they will just point to the procedures I outlined above which is their cover their ass for this exact scenario. If they didnt reinstall the drain plug they would have not only seen the car draining oil as you pulled forward but the guy in the pit would have been getting an oil shower.", "replies": [ { "author": "zackmophobes", "body": "Yeah it's odd for sure I think I would have noticed mechanical issues developing while driving but this is what he swears happened and stated that the guy did the dipstick check. Thanks for the answer.", "replies": [ { "author": "froggertwenty", "body": "Very likely that this is the same case as it usually is when someone gets something down to their car, something fails and they blame it on the work done. \n\nMy favorite when I did mechanic work was someone swearing and suing us because we changed their air filter and their wheel bearing went the next day.....yep definitely the air filter change we did....\n\nIf the dipstick was correct when they checked with him, it has oil and wasn't draining on the guy in the pit. So the oil was added and the plug was in place.", "replies": [], "score": 1, "timestamp": "2024-05-07 18:13:39" } ], "score": 2, "timestamp": "2024-05-07 18:10:23" } ], "score": 1, "timestamp": "2024-05-07 18:05:52" } ]

entrepreneur

Art_Output_500posts.json

Is it better for credit score to have high usage or low usage monthly?

zackmophobes

https://www.reddit.com/r/personalfinance/comments/1az6aa9/is_it_better_for_credit_score_to_have_high_usage/

0

13

Title, but basically lets say there is a credit line of 1000 available monthly and the goal is to build credit score in a healthy way. Is it better to have one reccurring $20 charge montly on it (super low usage) or just put all spending on it up to near the limit monthly (super high usage)? Repayment is not an issue and would be done in full monthly for both situations. Thank you for your time. Edit: solved, thank you for the answers.

2024-02-24T21:43:01

[ { "author": "ahj3939", "body": "The lower the reported usage the higher your credit scores will be. This will allow you to be approved for higher credit limits when you ask as well as new accounts.\n\nRemember that most banks only report your statement balance once a month.", "replies": [ { "author": "zackmophobes", "body": "So wait it does have some bearing? Now I'm confused.", "replies": [ { "author": "t-poke", "body": "Read this, it answers your questions and then some:\n\nhttps://old.reddit.com/r/personalfinance/comments/11jzhcz/im_teaching_financial_literacy_and_the_basics_of/jb51g23/", "replies": [ { "author": "zackmophobes", "body": "thank you I will do that now", "replies": [], "score": 1, "timestamp": "2024-02-24 22:22:37" } ], "score": 2, "timestamp": "2024-02-24 22:07:25" } ], "score": 1, "timestamp": "2024-02-24 22:02:35" } ], "score": 2, "timestamp": "2024-02-24 22:01:02" }, { "author": "MarcableFluke", "body": "You're overthinking it. Credit usage has no memory when it comes to your credit score.", "replies": [ { "author": "zackmophobes", "body": "ok cool thanks. so as long as full balance is paid monthly that doesnt matter?", "replies": [ { "author": "MarcableFluke", "body": "Correct", "replies": [ { "author": "zackmophobes", "body": "much appreciated cheers", "replies": [], "score": 1, "timestamp": "2024-02-24 21:47:57" } ], "score": 2, "timestamp": "2024-02-24 21:47:05" } ], "score": 1, "timestamp": "2024-02-24 21:46:28" } ], "score": 1, "timestamp": "2024-02-24 21:45:01" } ]

entrepreneur

Art_Output_500posts.json

Good games for restricted audio environment?

zackmophobes

https://www.reddit.com/r/gaming/comments/1j5gyyj/good_games_for_restricted_audio_environment/

0

42

I have a remote job answering phones and need to respect the audio waves so that I don't have background noise. I want some good game recommendations where the audio is not needed for a good experience. I know I can just mute the game but I can't play any story driven games with good voice acting as I would feel like I am missing out, I will play those when I'm not working. I'm looking for pauseable engaging games that I can play on mute without losing much of the experience. I play all kinds of games, too many to list but recently been playing 7days to die (hard to play at work, I need to hear those zombies), FTL, Into the Breach, binding of Isaac (love this one), Hades, Slay the Spire, OSRS, good ol AoE2. I'm thinking Doom Eternal would be a good choice, I can pause it and there should be subtitles for the small bits of voice acting. What do y'all think would be fun and pauseable and able to play muted? 🎮

2025-03-07T06:13:14

[ { "author": "balugabe", "body": "Civilization. Honestly though most strategy games, real time or turn based", "replies": [ { "author": "zackmophobes", "body": "I don't know why but I just cannot get into Civ. I tried on many versions and it's just not for me. \n\nI enjoy games like Fire Emblem or Final Fantasy Tactics and Age of Empires but the diplomacy games don't do it for me.", "replies": [ { "author": "balugabe", "body": "Maybe Xcom? You mentioned Doom eternal, but that's a game you need to be locked in to play", "replies": [], "score": 6, "timestamp": "2025-03-07 06:28:00" }, { "author": "ConfusedAdmin53", "body": "Diplomacy in Civ is conducted at the tip of a sword.", "replies": [], "score": 2, "timestamp": "2025-03-07 13:54:48" } ], "score": 2, "timestamp": "2025-03-07 06:23:58" } ], "score": 12, "timestamp": "2025-03-07 06:20:59" }, { "author": "IcyColdFyre", "body": "Balatro", "replies": [ { "author": "zackmophobes", "body": "Ooh good call", "replies": [], "score": 3, "timestamp": "2025-03-07 06:19:09" } ], "score": 12, "timestamp": "2025-03-07 06:17:10" }, { "author": "bobthemutant", "body": "Terraria. No story, no voice acting, and only a few enemies and other things with sound cues, but nothing so important that gameplay will be seriously impacted. The modding scene is amazing and several mods are worth doing an entire separate playthrough of if you finish vanilla and want more.\n\nBug Fables. I'll never not take an opportunity to simp for this game. It's a spiritual successor to the classic Paper Mario RPGs. It is a story focused game, but there's no voice acting so all dialogue is text. It has charming music and sound effects, but playability isn't impacted by playing mute.\n\nRisk of Rain 2. I haven't played it since Gearbox took it over, but it's a satisfying roguelike that wants you to break it. Lots of character and build variety, no story or voice acting, good OST you might miss out on but otherwise no majorly important sound cues.\n\nVampire Survivor. Personally haven't played this, but most of my friends have and it was their top pick for 'brain off and chill out' games to play while watching a movie or doing something else. There are loads of 'vampire survivor-likes' that flooded steam after its success if you're looking for something similar with different themes.\n\nValheim. Easily my favorite 3d action/survival/craft game since Minecraft. Like Terraria its progression is structured around defeating bosses. Unlike Terraria it's much more about the classic survival elements of exploring, gathering, and crafting. \n\nIf you enjoy building you can spend hundreds of hours making elaborate bases. There's a decent modding community, though the mods aren't nearly as extensive as Minecraft or Terraria.\n\nCore Keeper. A charming top-down perspective Terraria-adjacent survival/craft/exploration game that's more heavily weighted towards exploration and resource gathering. It's a great deal simpler than Terraria, but follows a similar style of progression. No voice acting, good OST, only a handful of gameplay related sound cues.\n\nDungeon Defenders. I feel old saying it, but by now this is a classic. It's an RPG-lite Tower defense game with a variety of character classes and diablo-esque loot drops to increase your character's stats. Story is a throwaway excuse for the setting/themes and doesn't matter in the slightest. \n\nIt's not a pure tower defense game in that you'll be actively participating in the fighting and managing your defenses after a build phase. To this day is still regularly getting new updates. It has extensive end-game content, but is still great fun to play through even if you don't chase the hardest difficulties and challenge maps.", "replies": [ { "author": "zackmophobes", "body": "Yo these are some solid recs thanks. I have hundreds of hours in Valheim and Terraria and getting on up there in Vampire Survivors. Def gonna check the others out tyvm.", "replies": [], "score": 3, "timestamp": "2025-03-07 08:03:57" } ], "score": 4, "timestamp": "2025-03-07 08:01:17" }, { "author": "ZehTorres", "body": "How about Vassal? Vassal is a free program to play boardgames. They have a good catalogue of solo games", "replies": [ { "author": "zackmophobes", "body": "I'll give it a look, I also have tabletop simulator which has some great auto setup options and single player board games too. \n\nOn first glance Vassal seems like a great tool especially for my tabletop game group and we are about to start a new campaign. Thank you for the recommendation!", "replies": [], "score": 1, "timestamp": "2025-03-07 06:21:26" } ], "score": 3, "timestamp": "2025-03-07 06:19:00" }, { "author": "Mynsare", "body": "Kenshi.", "replies": [ { "author": "zackmophobes", "body": "Doesn't that one have an amazing soundtrack? I'd feel kinda bad playing it on mute.", "replies": [], "score": 1, "timestamp": "2025-03-07 08:05:12" } ], "score": 2, "timestamp": "2025-03-07 08:02:27" }, { "author": "BosPaladinSix", "body": "I am so confused, if Doom Eternal is on the table then it would seem like everything else could be too?", "replies": [ { "author": "zackmophobes", "body": "I might have messed up listing that as an example I haven't played it yet and don't know how much the voice lines and story matter. RDR2 is off the table for example because I want to enjoy the voice acting and music.\nIf Killing floor two or Vermintide were pauseable I'd play those a bunch. Love the action and voice lines don't matter, but they are not. I did play Doom 2016 and had a great time with that. There were subtitles for the sparse story lines and the rest of the audio didn't matter much, I assumed Eternal was similar IDK.", "replies": [ { "author": "BosPaladinSix", "body": "Huh, alrighty then. Enter The Gungeon or Broforce might interest you? They don't have super deep stories but they're a lot of fun and very easy to pick up/put down.", "replies": [ { "author": "zackmophobes", "body": "Enter the Gungeon is on my wishlist, will def look up broforce. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 08:20:17" } ], "score": 2, "timestamp": "2025-03-07 08:18:30" } ], "score": 2, "timestamp": "2025-03-07 08:14:59" } ], "score": 2, "timestamp": "2025-03-07 08:09:32" }, { "author": "OGMemecenterDweller", "body": "Risk of Rain 2", "replies": [ { "author": "zackmophobes", "body": "Ooh interesting art style. Thanks!", "replies": [], "score": 2, "timestamp": "2025-03-07 09:55:46" } ], "score": 2, "timestamp": "2025-03-07 09:32:19" }, { "author": "QueenSketti", "body": "How about you dont game while working like wtf", "replies": [ { "author": "zackmophobes", "body": "🤣", "replies": [], "score": 1, "timestamp": "2025-03-07 06:39:43" } ], "score": 5, "timestamp": "2025-03-07 06:37:20" }, { "author": "potkoorook", "body": "Play whatever you like. \nPress 'pause' when you need to deal with a client. \nHow is this hard?", "replies": [ { "author": "zackmophobes", "body": "I do. It's not. \nYou are rude.", "replies": [ { "author": "potkoorook", "body": "Why are you asking this question, then? You already know the answer.", "replies": [ { "author": "zackmophobes", "body": "You ever get bored playing the games you do? I want new ones that I hadnt thought of. The circumstance of not being able to listen to the game is annoying to me and its hard to know which ones the audio doesn't matter at all, so I reached out to the community to see. Simple as. Do any come to mind?", "replies": [ { "author": "potkoorook", "body": "I'm sorry for being 'rude'. \nIf you can't stop playing your game when you are dealing with a client, I feel sorry for your employer. \nPersonally I would sack you. I would copy this thread and forward it to any employer who asked me for a reference.", "replies": [ { "author": "zackmophobes", "body": "Yeah that scans. I take my job very seriously and I do really welll, my boss is a huge gamer too. Not sure how you came to the conclusion that I cant stop playing when duty calls, pausing is a very important part of my request here for that exact reason. Sucks that you have nothing of value to add. I hope your life is better than your outlook.", "replies": [ { "author": "potkoorook", "body": "I also take my business seriously. That's why I don't allow employees to play games on company time. \nYou have already told us that you can't concentrate on your work and play games in your post. Did you actually read it?", "replies": [ { "author": "zackmophobes", "body": "At no point did I say I can't concentrate. My job is remote and overnight and there is a lot of empty time waiting between things. I said that I need to respect the audio waves and that I need to be able to pause (to deal with work). Not sure what you are trying to prove or why I'm even engaging with you here when you clearly have nothing to add. \nI will also say that if you think your employees aren't playing games or on their phone or socializing during down time you are naive stupid or both.", "replies": [], "score": 3, "timestamp": "2025-03-07 10:15:10" } ], "score": 3, "timestamp": "2025-03-07 10:07:07" } ], "score": 3, "timestamp": "2025-03-07 09:38:08" } ], "score": 2, "timestamp": "2025-03-07 09:23:18" } ], "score": 5, "timestamp": "2025-03-07 09:01:10" } ], "score": 1, "timestamp": "2025-03-07 08:52:36" } ], "score": -1, "timestamp": "2025-03-07 08:06:16" } ], "score": 3, "timestamp": "2025-03-07 07:55:27" } ]

movies

movies_Output_500posts.json

Asking for friend who needs some advice: car motor got fried by an oil change company, what is the financial next step.

zackmophobes

https://www.reddit.com/r/personalfinance/comments/1cmgv5y/asking_for_friend_who_needs_some_advice_car_motor/

0

15

Asking for my buddy who recently had some bad luck with his vehicle. It's a fairly new Ford escape and had zero issues before he got an oil change. The place he did it apparently didn't put oil in after draining it or didn't replace the plug correctly and upon driving it to work it stopped working. He took it to a mechanic who stated that the motor needs to be replaced. Vehicle is about 22k and financed. He is still paying on it and probably has paid off about 8k so far. The motor replacement will be about 10k. Insurance is declining to assist even though he had full coverage. I am asking for the financial advice in this situation. I welcome insights on how to handle this situation if anyone has had similar experiences but I do understand that is probably best asked to r/legaladvice and I will as well. But my question is: should he stop paying on this vehicle at this point? What makes financial sense.

2024-05-07T17:02:32

[ { "author": "Careful-Rent5779", "body": "Lawyer up. Oil change company is not going to eat this without a fight.\n\nShould have already taken a picture of the oil pan to document if the plug was in place or not. Get a statement/date/name and whatever else from the second mechanic ASAP. Keep all the records, you definitely need the oil change companies receipt (having only driven 20 miles before the failure will work in your favor). Owner should continue payments, its not the lienholders responsibility and even if the car was respossed the debt is still owed.\n\nHow long did your friend drive around with the oil light on? Just ask'n", "replies": [ { "author": "zackmophobes", "body": "Afaik it stopped working on the way to work from the oil place (20 min drive)", "replies": [ { "author": "After-Jellyfish5094", "body": "We don't need this information. Tell your buddy to do the above.", "replies": [ { "author": "zackmophobes", "body": "I was just answering the guy who was asking me 🤷‍♂️", "replies": [], "score": 1, "timestamp": "2024-05-07 19:23:20" } ], "score": -7, "timestamp": "2024-05-07 19:13:55" } ], "score": 1, "timestamp": "2024-05-07 17:36:49" } ], "score": 11, "timestamp": "2024-05-07 17:23:04" }, { "author": "froggertwenty", "body": "I have some doubts about this story. There is a reason they pull the dipstick and check your oil pressure with you before you pull away. Not to mention the car will absolutely tell you if you don't have oil pressure. Did he just continue driving through that? \n\nBut yes, he still owes that money. Doubtful a lawsuit with the oil change company goes anywhere because they will just point to the procedures I outlined above which is their cover their ass for this exact scenario. If they didnt reinstall the drain plug they would have not only seen the car draining oil as you pulled forward but the guy in the pit would have been getting an oil shower.", "replies": [ { "author": "zackmophobes", "body": "Yeah it's odd for sure I think I would have noticed mechanical issues developing while driving but this is what he swears happened and stated that the guy did the dipstick check. Thanks for the answer.", "replies": [ { "author": "froggertwenty", "body": "Very likely that this is the same case as it usually is when someone gets something down to their car, something fails and they blame it on the work done. \n\nMy favorite when I did mechanic work was someone swearing and suing us because we changed their air filter and their wheel bearing went the next day.....yep definitely the air filter change we did....\n\nIf the dipstick was correct when they checked with him, it has oil and wasn't draining on the guy in the pit. So the oil was added and the plug was in place.", "replies": [], "score": 1, "timestamp": "2024-05-07 18:13:39" } ], "score": 2, "timestamp": "2024-05-07 18:10:23" } ], "score": 1, "timestamp": "2024-05-07 18:05:52" } ]

movies

movies_Output_500posts.json

Is it better for credit score to have high usage or low usage monthly?

zackmophobes

https://www.reddit.com/r/personalfinance/comments/1az6aa9/is_it_better_for_credit_score_to_have_high_usage/

0

13

Title, but basically lets say there is a credit line of 1000 available monthly and the goal is to build credit score in a healthy way. Is it better to have one reccurring $20 charge montly on it (super low usage) or just put all spending on it up to near the limit monthly (super high usage)? Repayment is not an issue and would be done in full monthly for both situations. Thank you for your time. Edit: solved, thank you for the answers.

2024-02-24T21:43:01

[ { "author": "ahj3939", "body": "The lower the reported usage the higher your credit scores will be. This will allow you to be approved for higher credit limits when you ask as well as new accounts.\n\nRemember that most banks only report your statement balance once a month.", "replies": [ { "author": "zackmophobes", "body": "So wait it does have some bearing? Now I'm confused.", "replies": [ { "author": "t-poke", "body": "Read this, it answers your questions and then some:\n\nhttps://old.reddit.com/r/personalfinance/comments/11jzhcz/im_teaching_financial_literacy_and_the_basics_of/jb51g23/", "replies": [ { "author": "zackmophobes", "body": "thank you I will do that now", "replies": [], "score": 1, "timestamp": "2024-02-24 22:22:37" } ], "score": 2, "timestamp": "2024-02-24 22:07:25" } ], "score": 1, "timestamp": "2024-02-24 22:02:35" } ], "score": 2, "timestamp": "2024-02-24 22:01:02" }, { "author": "MarcableFluke", "body": "You're overthinking it. Credit usage has no memory when it comes to your credit score.", "replies": [ { "author": "zackmophobes", "body": "ok cool thanks. so as long as full balance is paid monthly that doesnt matter?", "replies": [ { "author": "MarcableFluke", "body": "Correct", "replies": [ { "author": "zackmophobes", "body": "much appreciated cheers", "replies": [], "score": 1, "timestamp": "2024-02-24 21:47:57" } ], "score": 2, "timestamp": "2024-02-24 21:47:05" } ], "score": 1, "timestamp": "2024-02-24 21:46:28" } ], "score": 1, "timestamp": "2024-02-24 21:45:01" } ]

movies

movies_Output_500posts.json

Wondering if someone else is in a position similar to my own...

360walkaway

https://www.reddit.com/r/personalfinance/comments/adyjjf/wondering_if_someone_else_is_in_a_position/

2

6

So my wife and I are thinking of buying a house, but there are a lot of obstacles in the way - we live in California, so the mortgage would be at least $4000/month most likely - my wife is teacher, which means 2/3 of the income comes from my pay - I have end-stage kidney disease, which means when/if I get a kidney transplant I'll have to pay roughly $1000/month for medications for the rest of my life - property tax is typically over $10000/year I know what the obvious choice is: move to a different state. But the thing is that I love where I work and they've been really good to me, and I doubt I'll be in a position like this again. I keep hoping that they'll open up a satellite in a lower-cost state (Nevada would be ideal) but that's just hoping at this point. Any suggestions?

2019-01-08T20:26:59

[ { "author": null, "body": "[deleted]", "replies": [ { "author": "360walkaway", "body": "Too bad I don't make $500k/year", "replies": [], "score": -1, "timestamp": "2019-01-08 21:05:43" } ], "score": 4, "timestamp": "2019-01-08 20:40:26" }, { "author": "cpa-grind", "body": "Why do you need to buy? Are you renting now? Does it make financial sense to buy?", "replies": [ { "author": "360walkaway", "body": "Yea I'm renting now obviously, but it's just throwing money down the toilet every month. My current rent is $2100/month for a 1br/1ba, and that's considered a steal. I'd like to build equity instead of just living in some guy's apartment all our life.\n\nThe sad part is that a LOT of my family members own a lot of rental properties, know how hard it is to buy a house right now, know my current situation, and still don't try to help. They just shrug their shoulders and go \"oh it's tough to buy a house right now\". This one uncle of mine has at least a dozen rental properties on his own.", "replies": [], "score": -2, "timestamp": "2019-01-08 21:06:36" } ], "score": 1, "timestamp": "2019-01-08 20:36:30" } ]

entrepreneur

Art_Output_500posts.json

Started exercising (jogging and weights). Why am I gaining weight?

360walkaway

https://www.reddit.com/r/Fitness/comments/4rs8sr/started_exercising_jogging_and_weights_why_am_i/

0

21

At least three times a week, I go jogging and do a little bit of weight training on my arms and legs. The whole routine takes about 45 minutes, and I'm usually out of breath most of the time so I know I'm not half-assing it. But my weight is starting to go up instead of down. Shouldn't mainly cardio and weights (lots of reps, not maxing) result in weight loss little by little? Edit: Diet... Breakfast - eggs or cereal Lunch - half a turkey sandwich (turkey, mayo, onions, sriracha) Dinner - usually a salad or white meat/vegetables, and water Snack - yogurt once a day, maybe a bit of fruit... typically around 2PM Water throughout the day

2016-07-08T01:53:20

[ { "author": "hey___fuck_you", "body": "Because you're eating too much. ", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [ { "author": "hey___fuck_you", "body": "Okay. You're eating too much ", "replies": [ { "author": "360walkaway", "body": "What do you suggest then?", "replies": [ { "author": "hey___fuck_you", "body": "Eat less", "replies": [ { "author": null, "body": "This comment chain is glorious.", "replies": [], "score": 1, "timestamp": "2016-07-08 06:50:06" } ], "score": 4, "timestamp": "2016-07-08 02:59:01" } ], "score": 1, "timestamp": "2016-07-08 02:55:48" } ], "score": 7, "timestamp": "2016-07-08 02:54:59" } ], "score": 1, "timestamp": "2016-07-08 02:51:33" } ], "score": 10, "timestamp": "2016-07-08 01:54:28" }, { "author": null, "body": "You can't out run a shitty diet. Eat less. ", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [], "score": 1, "timestamp": "2016-07-08 02:51:37" } ], "score": 2, "timestamp": "2016-07-08 01:55:20" }, { "author": null, "body": "Post details about your diet and then we'll see.", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [ { "author": null, "body": "But how much of each? The total calories is the key. If you're putting on weight, it's because your body is storing excess calories that you're not using day to day. It's that simple. ", "replies": [], "score": 1, "timestamp": "2016-07-10 05:53:21" } ], "score": 1, "timestamp": "2016-07-08 02:51:39" } ], "score": 2, "timestamp": "2016-07-08 02:24:47" }, { "author": "LieutenantLoge", "body": "Count calories. Eat less. Read the wiki.", "replies": [ { "author": "360walkaway", "body": "Updated description.", "replies": [ { "author": "LieutenantLoge", "body": "But you still aren't counting calories. That's what counts. Calories in, calories out.", "replies": [ { "author": "360walkaway", "body": "I have a pedometer on my phone that approximates my calories out. It's been about 2300 calories/day on average.", "replies": [ { "author": "LieutenantLoge", "body": "That is extremely inaccurate. Calculate your TDEE (look it up), and then subtract 500 calories from your maintenance. There is no way you burn 2300 a day off of exercise alone. ", "replies": [ { "author": "360walkaway", "body": "No, that's counting inactive calories as well. Active calories are around 650.", "replies": [ { "author": "LieutenantLoge", "body": "So count calories, and eat 500 calories less than that.", "replies": [], "score": 1, "timestamp": "2016-07-08 03:13:25" }, { "author": "Galivis", "body": "Count your calories, ignore the calories burned from our pedometer as it is not accurate, and eat 500 calories less than what you calculate from a TDEE calculator. If you are still gaining weight after 2-3 weeks, reduce your calories further.", "replies": [], "score": 1, "timestamp": "2016-07-08 10:10:57" } ], "score": -1, "timestamp": "2016-07-08 03:05:26" } ], "score": 1, "timestamp": "2016-07-08 02:57:10" } ], "score": 1, "timestamp": "2016-07-08 02:54:46" } ], "score": 2, "timestamp": "2016-07-08 02:53:36" } ], "score": 1, "timestamp": "2016-07-08 02:51:43" } ], "score": 1, "timestamp": "2016-07-08 02:26:16" } ]

science

Art_Output_500posts.json

Have to lose some weight for an upcoming surgery... trying out a "starvation diet". Need tips.

360walkaway

https://www.reddit.com/r/Fitness/comments/434p6d/have_to_lose_some_weight_for_an_upcoming_surgery/

0

14

I have PKD (renal failure) and will have to have a catheter installed in my stomach soon... within two months most likely. My nephrologist said that it'd be best to lose more weight to make installation of the catheter easier. As a way to help facilitate this, I'm going to try a starvation diet. No, I'm not going to literally starve myself. Just very minimal food intake: Breakfast: - one egg sunnyside up with fresh ground pepper - sourdough toast - cereal with almond milk Lunch - naked turkey sandwich (turkey, one slice of cheese, mustard) - one can of ginger ale Dinner - small chicken or fish filet with vegetables Lots of water throughout the day. Next week I'm to start going to a nearby running track where I'll walk laps as well as run bleacher stairs. Any additional tips/help that you guys can give would be appreciated.

2016-01-28T18:51:53

[ { "author": "H-bizzle", "body": "Run it by your doc. Renal failure can mess with a lot of different systems and starving yourself may not be the best approach.", "replies": [ { "author": "360walkaway", "body": "My doctor put me on a low potassium/calcium diet already, so I know what to avoid eating.", "replies": [], "score": 1, "timestamp": "2016-01-28 21:09:40" } ], "score": 3, "timestamp": "2016-01-28 18:53:19" }, { "author": "insurrecto", "body": "This comment has been overwritten by an open source script to protect this user's privacy. \n\n If you would like to do the same, add the browser extension [GreaseMonkey](https://addons.mozilla.org/en-us/firefox/addon/greasemonkey/) to Firefox and add [this open source script](https://greasyfork.org/en/scripts/10380-reddit-overwrite). \n\n Then simply click on your username on Reddit, go to the comments tab, and hit the new OVERWRITE button at the top.", "replies": [ { "author": "360walkaway", "body": "Doctor already put me on a low potassium/calcium diet.", "replies": [ { "author": "insurrecto", "body": "This comment has been overwritten by an open source script to protect this user's privacy. \n\n If you would like to do the same, add the browser extension [GreaseMonkey](https://addons.mozilla.org/en-us/firefox/addon/greasemonkey/) to Firefox and add [this open source script](https://greasyfork.org/en/scripts/10380-reddit-overwrite). \n\n Then simply click on your username on Reddit, go to the comments tab, and hit the new OVERWRITE button at the top.", "replies": [ { "author": "360walkaway", "body": "I've already run it by them. They said it's okay to do this, but I was looking for more detailed info here.", "replies": [], "score": 1, "timestamp": "2016-01-28 21:10:04" } ], "score": 1, "timestamp": "2016-01-28 21:05:02" } ], "score": 1, "timestamp": "2016-01-28 20:57:41" } ], "score": 3, "timestamp": "2016-01-28 19:16:16" }, { "author": "Fitztastical", "body": "[Read the FAQs](http://www.reddit.com/r/Fitness/wiki/getting_started#wiki_fixing_your_diet). They cover this.\n\nDon't eat further than 1k calories below your TDEE. If you don't understand what I just told you - read the FAQs.", "replies": [ { "author": "360walkaway", "body": "Thanks for this.", "replies": [], "score": 1, "timestamp": "2016-01-28 21:01:16" } ], "score": 2, "timestamp": "2016-01-28 18:53:45" }, { "author": "darthball-z", "body": "What is your height, weight, age and activity level? ", "replies": [ { "author": "360walkaway", "body": "6'2\", 245, moderate.", "replies": [], "score": 1, "timestamp": "2016-01-28 20:58:14" } ], "score": 2, "timestamp": "2016-01-28 19:08:43" } ]

technology

Art_Output_500posts.json

Probably have plantar fasciitis (found out the hard way)... any suggestions for exercising without getting body-crushing pain for days?

360walkaway

https://www.reddit.com/r/Fitness/comments/3q81q0/probably_have_plantar_fasciitis_found_out_the/

9

24

I recently started walking at a local track every day after work, as well as running some bleacher steps. After a couple of days, it hurt to even do basic walking at work. I researched it and something called "plantar fasciitis" is the most likely culprit. For those who don't know: http://www.mayoclinic.org/diseases-conditions/plantar-fasciitis/basics/definition/con-20025664 What's weird is that this is a recent development. I played basketball and ran some track throughout high school and never felt any problems like this, and the pains aren't normal muscle soreness (I know that feeling all too well). Any suggestions for a kind of cardio-style exercise that isn't tough on the ankles and heels? I'm trying to set up an appointment with a doctor to check this out, but I don't want to rest too long and lose any momentum I'd gained from the walking/steps recently.

2015-10-26T01:34:51

[ { "author": null, "body": "The reason you got plantarfasciitis is almost certainly because you're climbing those bleacher steps on the balls of your feet. When you climb steps, make sure your whole foot lands on the step and your heel touches the step for a moment each time you plant your foot. I bet you climb steps mostly on the balls of your feet and this just creates constant tension in that plantarfascia which irritates it and leads to inflammation. Also you recently experienced a significant increase in volume on that part of your body, which contributes to acute pain", "replies": [ { "author": "360walkaway", "body": "When I'm climbing steps, met feet are usually shaped like I'm walking on my tip-toes. Maybe there's too much strain on the heel because of that...? I dunno.", "replies": [ { "author": null, "body": "That's exactly what I said. Balls of feet are analogous to the knuckles of your feet. Take 4 or 5 days off stair climbing and then begin climbing stairs properly, with a heel strike rather than on your toes", "replies": [], "score": 3, "timestamp": "2015-10-26 02:57:24" } ], "score": 2, "timestamp": "2015-10-26 02:43:18" } ], "score": 4, "timestamp": "2015-10-26 02:27:33" }, { "author": "adraffy", "body": "Foot pain is very opaque because there's like a zillion different things all that result in \"my foot hurts.\" And while seeing a podiatrist is a good first step, they are very limited in the care they can provide.\n\nI would consider experimenting with the following:\n\n* Tie your shoes at various levels of tightness\n* Tie your shoes with different weave patterns\n* Try different shoes and socks (thicknesses)\n\nCan you describe the source of the pain? And what parts of your feet hurt when running? Or when touched with your hand?", "replies": [ { "author": "360walkaway", "body": "The balls of my feet ache when I put weight on them. It feels like stabbing sensation kind of... it's gone down a little because I haven't done any heavy cardio since Wednesday.", "replies": [ { "author": "adraffy", "body": "I had foot pain earlier in the year. I thought it was plantar fasciitis. I saw a podiatrist a few times, got X-rays, did some stride/step analysis, got custom orthotics molded, spent a lot of money (even with insurance), and was very disappointed with the result. They felt strange while riding my bike. I couldn't wear them in my soccer cleats. They weighed too much relative to my running shoes (so they were very noticeable.) And it didn't alleviate the problem. \n\nThe solution? I greatly loosened my how tight I tie my shoes to where I can slip them on/off without adjusting the laces. A better lacing pattern, which would reduce compression over the top of my foot, would of probably worked too. Apparently, my feet splay when I land and the tightness along the side was transferring significant pain to my arch/toes/heel, and causing a lot of discomfort.\n\nIt would be strange if you had the same issue, but when I was in pain, it never crossed my mind to try looser lacing or different lacing patterns. ", "replies": [], "score": 1, "timestamp": "2015-10-26 07:26:32" } ], "score": 2, "timestamp": "2015-10-26 05:53:07" } ], "score": 1, "timestamp": "2015-10-26 04:52:41" } ]

science

Art_Output_500posts.json

'Hamilton' Cast Makes Direct Plea to Mike Pence in Audience

PM_ME_YER_MUDFLAPS

http://www.nbcnews.com/politics/2016-election/hamilton-cast-makes-direct-plea-mike-pence-audience-n686116

179

19

2016-11-19T15:03:24

[ { "author": null, "body": "Civil liberties? Give me a break. You let Obama re-up the Patriot Act without one meaningful reform and watched as he droned American citizens overseas. You stood silent when Obama approved the sale of $1 billion worth of weapons to a regime that executes people for being gay. Where was the cast when those things were happening?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Pence cares for anyone who isn't white, straight, Protestant, or most importantly -rich.", "replies": [ { "author": null, "body": "That's not what I said. I didn't mention Pence. You didn't try to refute any of what I said by the way but thanks for the downvote!", "replies": [ { "author": "rawrandrauk", "body": "Considering this is an article about pence... stop deflecting.", "replies": [ { "author": null, "body": "I was responding to what the cast said in the article. That they were worried about their \"inalienable rights\". If they were so worried they should have spoken to our current president.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Flynn will have any issues droning folks in far away lands? I know the Obama administration was shitty about drone strikes and whistle blowers but when you think John Bolton is a good guy to pick for peace in the world? Like Sessions who couldn't get confirmed under Reagan is a shining example to hold up civil rights? And you dare call the actor a hypocrite? How do you know his position on drone strikes?", "replies": [], "score": 7, "timestamp": "2016-11-19 15:34:13" } ], "score": 0, "timestamp": "2016-11-19 15:29:00" } ], "score": 16, "timestamp": "2016-11-19 15:25:27" } ], "score": -6, "timestamp": "2016-11-19 15:23:46" }, { "author": null, "body": "[removed]", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "troll them how? He just showed up expecting to be just part of the crowd but since he is (shudder) the VP Elect he hoped to get positive results? This really isn't making any sense. Maybe you could educate me and the 50% folks who didn't vote for the Cheetoh Of The United States.", "replies": [], "score": 1, "timestamp": "2016-11-20 05:43:01" } ], "score": -1, "timestamp": "2016-11-19 15:32:17" } ], "score": 21, "timestamp": "2016-11-19 15:22:03" } ], "score": -14, "timestamp": "2016-11-19 15:19:54" } ]

politics

Art_Output_500posts.json

Congratulations America! You've just elected a conspiracy mongering scientific ignoramus as President

PM_ME_YER_MUDFLAPS

http://scienceblogs.com/insolence/2016/11/10/congratulations-america-youve-just-elected-a-conspiracy-mongering-scientific-ignoramus-as-president/

76

61

2016-11-13T22:41:22

[ { "author": "mybosssdirtylaundry", "body": "Well to be fair most of us actually did not.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "True- in terms of popular vote I think he lost.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:36" }, { "author": null, "body": "Most of us didn't vote for a corruption-ridden corporate shill either. \n\nPlurality =/= Majority ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Which corporate shill did you vote for? I at least voted for the one who wasn't misogynist/racist/islamaphobic/anti-science.\n\nHillary was bringing the 400 block of Wall Street while trump is trolling down in the 600 block of Wall Street. If I am going to get screwed by special interests I would rather it come with a left handed stroke.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:03:03" } ], "score": 0, "timestamp": "2016-11-13 23:06:54" } ], "score": 25, "timestamp": "2016-11-13 22:44:50" }, { "author": "MolestedConservative", "body": "Trump will be the first president to confirm the existence of extraterrestrials. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Living in his sigmoid process no less.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:00" } ], "score": 5, "timestamp": "2016-11-13 22:51:27" }, { "author": "Feignfame", "body": "While true this article is not only a rambling rant of rage but also a obese oboe of obvious. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "What can I say, Orac is loquacious.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:55:11" } ], "score": 5, "timestamp": "2016-11-13 22:54:14" }, { "author": null, "body": "How much longer must I hear about this election. Hellppppppppppp meeeeeee", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "About another four years.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:06:28" } ], "score": 1, "timestamp": "2016-11-13 23:27:34" } ]

politics

Art_Output_500posts.json

League Of The South Hails Trump, Wants ‘No Mercy’ Towards ‘Jews, Minorities And Anti-White Whites’

PM_ME_YER_MUDFLAPS

http://www.rightwingwatch.org/post/league-of-the-south-hails-trump-wants-no-mercy-towards-jews-minorities-and-anti-white-whites/

950

300

2016-11-11T19:07:15

[ { "author": null, "body": "[deleted]", "replies": [ { "author": "gAlienLifeform", "body": "/r/CornbreadLiberals", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Cool.", "replies": [], "score": 3, "timestamp": "2016-11-11 19:45:52" } ], "score": 14, "timestamp": "2016-11-11 19:42:54" } ], "score": 50, "timestamp": "2016-11-11 19:23:05" }, { "author": "NoIWillNotYield", "body": "The scapegoating of Jews begins.", "replies": [ { "author": "Ecanonmics", "body": "But what about Palestine?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I think that Israel should stop building in the West Bank but I also would also fight a Kristallnacht. Unfortunately Israel isn't immune to the type of insanity that brought us Trump either.", "replies": [ { "author": "NoIWillNotYield", "body": "If you wait for a kristalnacht to fight it's gonna be **way** too late.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah - there doesn't seem to be one brewing in my neighborhood at the moment here in Plano but according to the Nazi's view my area has less of a Jew problem than it does a brown person problem.", "replies": [], "score": 5, "timestamp": "2016-11-11 20:59:00" } ], "score": 15, "timestamp": "2016-11-11 20:44:58" } ], "score": 18, "timestamp": "2016-11-11 20:14:48" } ], "score": 3, "timestamp": "2016-11-11 19:41:35" } ], "score": 132, "timestamp": "2016-11-11 19:10:40" }, { "author": "ozabelle", "body": "MAGA - to the tune of dixie too! whodathunkit? ", "replies": [ { "author": "Themostunderdisturb", "body": "Always find it weird that liberals are always the ones helping to spread the message of these crazy people.\n\nMakes you wonder...", "replies": [ { "author": "ozabelle", "body": "well yeah if we pretend they don't exist then they won't. like global warming? ", "replies": [ { "author": "Themostunderdisturb", "body": "So instead you choose to broadcast their message to an even larger audience than the few people who actually follow them and care what they say?", "replies": [ { "author": "ozabelle", "body": "i never understood sirens, either. i mean what for? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Magnets, how do they work?", "replies": [ { "author": null, "body": "[https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif](https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif)", "replies": [], "score": 3, "timestamp": "2016-11-11 19:27:19" }, { "author": "Cold417", "body": "MAGAnets.", "replies": [], "score": 1, "timestamp": "2016-11-11 20:04:58" } ], "score": 8, "timestamp": "2016-11-11 19:25:07" } ], "score": 25, "timestamp": "2016-11-11 19:18:57" } ], "score": -13, "timestamp": "2016-11-11 19:17:46" } ], "score": 42, "timestamp": "2016-11-11 19:15:43" }, { "author": null, "body": "It's called warning people.", "replies": [ { "author": "Themostunderdisturb", "body": "Sure it is, sure it is.", "replies": [ { "author": null, "body": "You can ignore it if you like. ", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah I tend to ignore racists.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah keep trying those failed regressives tactics of calling everyone a racists, it worked so well to elect Hillary Clinton!", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)\n\nDid you vote for trump?", "replies": [ { "author": "Themostunderdisturb", "body": "Johnson", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Great- Trump lite.", "replies": [], "score": 1, "timestamp": "2016-11-11 22:47:34" } ], "score": 1, "timestamp": "2016-11-11 22:25:58" } ], "score": 6, "timestamp": "2016-11-11 19:38:53" } ], "score": -6, "timestamp": "2016-11-11 19:37:58" } ], "score": 9, "timestamp": "2016-11-11 19:26:04" } ], "score": -1, "timestamp": "2016-11-11 19:22:18" } ], "score": 17, "timestamp": "2016-11-11 19:18:12" } ], "score": -19, "timestamp": "2016-11-11 19:16:10" } ], "score": 25, "timestamp": "2016-11-11 19:12:46" } ], "score": -30, "timestamp": "2016-11-11 19:12:09" } ], "score": 25, "timestamp": "2016-11-11 19:09:12" }, { "author": "inmemorieswetrust", "body": "Trump has no control over who supports him. He's already disavowed racists like this, he wants nothing to do with them.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Shasta-Daisies", "body": "Thanks for that link. It was a great explanation of what I've been trying to express.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, Scalzi is pretty good. I am debating trying to post that one in r/politics but it might skirt a little too far from the political.", "replies": [ { "author": "Shasta-Daisies", "body": "Well it is ok I think for the rules. Def far better than beardy duck commander type vlogs instructing people to just go on with their lives.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Giving it a shot- hopefully it sticks and gets a bit of traction. Nobody likes being called racist but when we look the other way we just encourage the problem to continue and fester and effectively encourage racism.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:52:53" } ], "score": 1, "timestamp": "2016-11-11 19:47:25" } ], "score": 5, "timestamp": "2016-11-11 19:36:08" } ], "score": 7, "timestamp": "2016-11-11 19:31:00" } ], "score": 8, "timestamp": "2016-11-11 19:19:51" } ], "score": -6, "timestamp": "2016-11-11 19:12:33" } ]

politics

Art_Output_500posts.json

Anti-LGBT groups are absolutely giddy about a Trump presidency

PM_ME_YER_MUDFLAPS

https://thinkprogress.org/trump-lgbt-brexit-effect-f4e62442e237#.wk9lxhixd

17

14

2016-11-11T18:07:12

[ { "author": "fridActs", "body": ">Social conservatives are excited for a Trump presidency (and Pence vice presidency), and they are already bragging about all of their plans to roll back LGBT equality. \n\nBe careful what your wish for. \n\nI don't get this legislating what folks do behind closed doors - but whatever.\n\nI \"hope\" those anti-LGBT people succeed. \n\nSee, I want that precedent. Then I can use it to ban irrational thinking - like believing in a deity. \n\nIt's a wonderful slippery slope for people like me who wants kooks who believe in some sky being that watches and see if they are naughty or nice - like Santa Claus. \n\nTheir laws will allow my ilk to ban their lifestyles - like believing in such nonsense as God.. \n\nHey, freedom of religion is OK, but eating of dead flesh - whether literal or metaphorically is illegal. \nAnd how about this marriage before sex. That should be made illegal. \n\nAnd let's regulate the bedroom some more shall we?\n\nTo prevent homosexuality, everyone will be forced to have sex with a same sex partner, videod, and examined to make sure they are not gay.\n\nVideos will be examined by our peers - yes please! \n\nLet's prevent all social deviance by spying on people. Shall we? \n\n", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Sighs, I was about to snark about trans-vaginal ultrasounds becoming mandatory for everyone as a religious more without any exceptions for current non-vagina owners since our new medical program would be installing them into them as part of our religious tenets and then I shuddered and realized that I was sounding like a centipede/4channer and stopped myself.\n\n", "replies": [ { "author": "fridActs", "body": "OK. That looked like you were making a point - and making one to me. \n\nBut it went over my head.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, it is like a vertical waffle, it doesn't know which side to come down on. ", "replies": [ { "author": "fridActs", "body": "Alright ... let continue - out of my curiosity. \n\nSay whaaat? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I am a bit frustrated with the election results and while I I want to lash out at what just happened I am also reflective enough to see how it changes my reactions. Kind of a Nietzsche abyss thing.\n\nAt the end of the day I am very [disappointed] (https://m.youtube.com/watch?v=84zY33QZO5o) in that portion of my fellow Americans who voted for Trump.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:02:55" } ], "score": 1, "timestamp": "2016-11-11 18:57:01" } ], "score": 1, "timestamp": "2016-11-11 18:52:04" } ], "score": 1, "timestamp": "2016-11-11 18:39:40" } ], "score": 1, "timestamp": "2016-11-11 18:36:10" } ], "score": 1, "timestamp": "2016-11-11 18:21:29" } ]

politics

Art_Output_500posts.json

Automation, the hitch in Trump and Clinton's plans to bring back manufacturing?

PM_ME_YER_MUDFLAPS

http://www.mcall.com/news/local/elections/mc-pa-jobs-economy-manufacturing-clinton-trump-2-20161022-story.html

41

99

2016-11-10T05:34:23

[ { "author": null, "body": "Trump's \"plan\" to bring back manufacturing was stupid and ill-informed to begin with. It's never going to happen. These jobs didn't \"leave\", they're not being stored somewhere that we can go retrieve them. The jobs don't exist anymore.\n\nThis is structural unemployment.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yep, that is the point. I wonder how happy his voters will be come June of 2017 when it starts becoming apparent that those job's ain't coming back.", "replies": [ { "author": "trolls_brigade", "body": "He will blame the congress and the Washington gridlock. He will ask for another 4 years to make it right. He will get a new mandate.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I am expecting his bread and circuses to run out somewhere around the end of his first year", "replies": [], "score": 1, "timestamp": "2016-11-10 13:07:55" } ], "score": 1, "timestamp": "2016-11-10 11:55:14" } ], "score": 6, "timestamp": "2016-11-10 05:44:37" }, { "author": "Plut0nian", "body": "Trump's plan is to end nafta. So if they build in mexico they are subject to import taxes and tariffs. That will keep manufacturing in the US.\n\nNafta is the reason they can so easily move the manufacturing to mexico.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "So they are going to move the robots from MX to the US?", "replies": [ { "author": "Plut0nian", "body": "No one movies equipment like that. Companies move when it is time to replace all their equipment with new stuff.\n\nWhen they move to mexico, they build state of the art factories in mexico. If they moved back, it will be when it is time to upgrade again.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "thank you for making my point.\n\nand how many years do you think it takes to depreciate a manufacturing robot? If I remember my accounting courses it will take about 20 years. If they are halfway through the accounting process it will be 10 years on average.\n\nYou willing to wait that long for a decent job? (assuming you have the training to maintain industrial robots?)(and that your training is still relevant in ten years?)", "replies": [ { "author": "Plut0nian", "body": "LOL, you are making my point.\n\n10 years is not that long. That is the most it will take to get someone to move back.\n\nBut in the mean time, it stops any new company from moving to mexico and ones that have already been there for years will be moving back next time they update equipment.\n\nYou seem slow. You don't seem to comprehend that companies have all moved there at different times and that more companies are still moving there, the second we boot mexico from nafta, is the second companies stop moving there. And since we slap tariffs on the ones that did move, they don't get any kind of advantage for being there. Creating fair competition.", "replies": [ { "author": "sandersbernana", "body": "...but, what stops them from moving to a place rather than Mexico that is cheaper to do business at? ", "replies": [ { "author": "Plut0nian", "body": "Do you not know what nafta is? Nafta made it so a factory in mexico is taxed the same as a factory in the US. That we can't put tariffs, import taxes, or anything else on imports from mexico.\n\nSo there are no tax penalties for building product in mexico and shipping to the US. Then because it is physically connected to the US, goods can be shipped cheaply by rail and semitrucks. It also doesn't take that long to ship.\n\nCompanies that move there get to pay workers peanuts and still have about the same shipping costs. So they make more profit.\n\nThey won't move anywhere else because if they moved anywhere else product has to be shipped by boat across an ocean, products are subject to import taxes and any tariffs. They would need new suppliers, factories in mexico can have other US based suppliers shipping via rail to the factory.\n\nTaxes and tariffs are designed to negate any wage savings so the company doesn't benefit from making a product over seas.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "You are still missing the point - manufacturing jobs will never be at the point they were - the bots do the work now. Unless you have the skills to maintain the bot you are still jobless.", "replies": [ { "author": "Plut0nian", "body": "You keep changing the subject.\n\nYou keep acting like automation means there are no factory jobs. Again, a single highly automated tesla plant has 40k jobs associated with it. Why would you want that moving to mexico?", "replies": [], "score": 1, "timestamp": "2016-11-10 15:52:28" } ], "score": 2, "timestamp": "2016-11-10 12:59:23" } ], "score": 1, "timestamp": "2016-11-10 07:32:29" } ], "score": 1, "timestamp": "2016-11-10 07:04:55" } ], "score": 1, "timestamp": "2016-11-10 06:53:23" } ], "score": 2, "timestamp": "2016-11-10 06:46:00" } ], "score": 1, "timestamp": "2016-11-10 06:38:08" } ], "score": 7, "timestamp": "2016-11-10 06:34:17" } ], "score": -1, "timestamp": "2016-11-10 06:32:34" } ], "score": 19, "timestamp": "2016-11-10 05:42:47" }, { "author": "ravupadh", "body": "Manufacturing is either automated as this article states or in China/Mexico. It's never going to be at the same level it was before. What we really need is investment in the hi-tech sector and a green jobs revolution. But that'll never happen unfortunately.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yep - the centipedes helped burn down the house without deciding to evacuate first.", "replies": [], "score": 7, "timestamp": "2016-11-10 05:48:43" }, { "author": null, "body": "Even Chinese labor is starting to get too expensive as evidenced by Foxconn automating and laying off [60,000 workers] (http://www.bbc.com/news/technology-36376966).", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Foxconn is automating as well - it isn't that their workers got cheaper than US workers - their robots got cheaper.", "replies": [], "score": 5, "timestamp": "2016-11-10 06:47:11" } ], "score": 4, "timestamp": "2016-11-10 06:34:25" } ], "score": 8, "timestamp": "2016-11-10 05:45:38" }, { "author": "PM_ME_YER_MUDFLAPS", "body": "This is a question for the centipedes - do they really think Trump can fix the issue in the article? I understand the demographics that voted for him so this article should be close to their hearts/aorta's. But even if we reverse the free trade agreements are we going to retrain all those people to have critical thinking skills and undergrad/grad degrees? We aren't gong to have new factories with regular laborers in them. \n\nI would have loved to have been an auto body man myself but even those jobs aren't what they used to be. You don't professionally bondo anymore, nor do you use a sliding hammer much, you unbolt a fender. The economy seems to be moving to only value physical labor as artistry, not as a machine of production any longer.\n", "replies": [ { "author": null, "body": "Nope. I literally only helped shitpost Trump to the white house to break down the DNC.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "So what next? Where is the new prosperity we were promised by our new COTUS?", "replies": [], "score": 5, "timestamp": "2016-11-10 05:59:05" } ], "score": 1, "timestamp": "2016-11-10 05:45:12" }, { "author": null, "body": "Absolutely not. The only thing he can do is incentivize remaining manufacturers to stay here, while fostering an environment where the new manufacturers have a bit tougher of a decision to make before shipping the jobs somewhere else, even if they're automated production lines. \n\nMostly we voted for him cause we don't like foreigners, and we want lower taxes, and we wanted to make sure the supreme court was stacked for 30 years or so.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "At least you are honest you fellow Klucker you! :)\n\n", "replies": [ { "author": null, "body": "I had to look that up LOL. I was being sort of sarcastic. We all know it's true though. WHERE MY COUNTRY GONE!?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Back to Tom Lehrers \"I Wanna Go Back to Dixie\"\n\nI get to say that because I was raised in Memphis/Byhalia in the 70's.\n\nMemphis is famous for two things - Elvis and the assassination of MLK. \n\nOkay, and we have Corky's and Top's but that sure as shit wasn't given to us by COTUS.", "replies": [], "score": 1, "timestamp": "2016-11-10 06:08:32" } ], "score": 0, "timestamp": "2016-11-10 06:02:49" } ], "score": 1, "timestamp": "2016-11-10 05:58:36" } ], "score": 1, "timestamp": "2016-11-10 05:54:45" } ], "score": 10, "timestamp": "2016-11-10 05:40:00" }, { "author": "Scarlettail", "body": "Definitely an underrated issue. Automation makes manufacturing unreliable for a job market. We're already seeing self-driving cars, too, which will take up transportation. How will we replace those jobs?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "yep- self driving cars will replace taxis, a semi delivered beer by itself in CO. There is even talk of AI being able to replace people in finance departments (which is what I personally do by the way) at some point in the next few decades. Eventually it could come down to why do we need CEO's?", "replies": [], "score": 3, "timestamp": "2016-11-10 05:53:29" } ], "score": 3, "timestamp": "2016-11-10 05:48:53" }, { "author": "turbofarts1", "body": "this is what happens when you let novices win the white house.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Which novice? Technically any POTUS in their first term is a novice. Our new COTUS seems a bit more novice than others.\n\nBut, at least we showed the paid for politicians by electing a COTUS who paid for politicians - neh?", "replies": [], "score": 3, "timestamp": "2016-11-10 06:18:54" } ], "score": 3, "timestamp": "2016-11-10 06:15:55" }, { "author": "MakingRedditGreat", "body": "This is why we need a socialist movement to make us start thinking about post-capitalism.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "sighs - tovarisch!", "replies": [], "score": 0, "timestamp": "2016-11-10 06:16:00" } ], "score": 2, "timestamp": "2016-11-10 06:10:02" }, { "author": "Plut0nian", "body": "Automation is the entire reason manufacturing is coming back. Less workers to do the job means you can afford to do the work in the US vs doing it outside the US and shipping the product.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "They aren't going to move those robots back here until they are fully depreciated and are completely outdated for their jobs.\n\nHaven't you thought this through?", "replies": [ { "author": "Plut0nian", "body": "You just took what I said in my other comment and pretended as if it was your thought. WTF?\n\nI am the one who said companies move their factories when it is time to upgrade equipment. If we kill nafta, the next time a company needs to update a factory, it will move back into the US.\n\nThis has been very thought through. The companies that just moved to mexico will have to pay higher taxes and will basically end up saving nothing by moving to mexico. No new company will attempt to move there since nothing will be saved. And when the companies that moved to mexico are ready to update, they will all come back into the US.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "My point isn't where the factory is- it is that the robots will have taken the jobs. There will still be jobs to maintain the robots but there won't be any assembly line jobs coming back.", "replies": [ { "author": "Plut0nian", "body": "Automation is going to eliminate the lowest paying jobs and replace them with fewer, but better, higher paying jobs.\n\nThis cannot be stopped. Automation is basically a completely different issue than nafta and mexico.\n\nAutomation will make the fewer jobs out there more important and makes it more important to stop allowing companies to build in mexico without paying import taxes and tariffs.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I can tell you the companies won't come back until the overhead for building and running that plant become cheaper than their current locations. And fewer higher paying jobs will still have to net less total dollars than they used to. There might be enough dollars in payroll spending to actually help a small town economy but it won't scale to a state or national level. Those fewer higher paying jobs still won't net enough dollars to make a difference in overall employment.\n", "replies": [ { "author": "Plut0nian", "body": "What you just told me is that they will come back.\n\nPlus it prevents more from going. You think competitors from carrier aren't planning to move to mexico? They have no choice if they want to compete on price.\n\nA tariff corrects the price imbalance and puts an immediate stop to anyone moving to mexico. Those already there will all move back eventually.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Some may- but nowhere near the prior levels and nowhere near the old total payroll dollars. By the time they are ready to \"move back\" the need for employees will be even less due to further automation improvements.\n\nEdit: here is what will economically happen- one job will come back at $50K but that one is replacing twenty jobs at $30K. So a net $50K comes back to offset $600K in lost jobs. That is how real life works.", "replies": [ { "author": "Plut0nian", "body": "Again, you seem confused. No business will stay in mexico if a tariff negates the low wages.\n\nThey go to mexico to profit off the back of slave labor. If they can't profit off of the low wage, they will come back to the US where other costs are cheaper.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "There still will be less wages coming back into the US. That is the point- those jobs and wages are long gone and they aren't coming back. For every 100 jobs that went across the US borders trump could barely bring back 5 through tariffs because 95 of them disappeared due to automation. Those five $50k job coming back won't replace the economic loss of those other 95 jobs at $25k.\n\nYou really have no idea how the economy or business run do you? ", "replies": [ { "author": "Plut0nian", "body": "> There still will be less wages coming back into the US.\n\nCute. There are more wages coming back in the US.\n\nIf 1 job comes back, that is 1 job's wage more than we had before.\n\nyour arguments are getting really really stupid.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "It isn't a one for one job return - that is where your dreams turn into yet another monotonous nightmare of stagnation in economic demand. I wish you luck in getting that one in twenty jobs that returns.", "replies": [ { "author": "Plut0nian", "body": "You don't understand how jobs work.\n\nIf you add one job, that is one job you didn't have before.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "And one net job is all your getting - not thousands or hundred of thousands. So no net economic improvement. ", "replies": [ { "author": "Plut0nian", "body": "You really can't admit any kind of fact can you?\n\nYou are falling apart.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I gave you your job. 💋", "replies": [], "score": 1, "timestamp": "2016-11-10 20:01:26" } ], "score": 1, "timestamp": "2016-11-10 19:59:59" } ], "score": 1, "timestamp": "2016-11-10 19:52:41" } ], "score": 1, "timestamp": "2016-11-10 19:16:39" } ], "score": 1, "timestamp": "2016-11-10 19:11:27" } ], "score": 0, "timestamp": "2016-11-10 19:05:49" } ], "score": 1, "timestamp": "2016-11-10 17:35:43" } ], "score": 1, "timestamp": "2016-11-10 17:17:53" } ], "score": 1, "timestamp": "2016-11-10 16:24:12" } ], "score": 1, "timestamp": "2016-11-10 16:18:50" } ], "score": 1, "timestamp": "2016-11-10 16:11:26" } ], "score": 1, "timestamp": "2016-11-10 15:47:38" } ], "score": 1, "timestamp": "2016-11-10 13:03:12" } ], "score": 1, "timestamp": "2016-11-10 06:49:59" } ], "score": 1, "timestamp": "2016-11-10 06:37:07" } ], "score": 2, "timestamp": "2016-11-10 06:30:56" }, { "author": "orngckn42", "body": "So, trade schools for robotics repair technicians, computer systems analysts, materials hopefully produced in USA creating jobs, marketing jobs, etc. This is how we use manufacturing to bring jobs. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "As a finance person I can honestly say that until the foreign robots have been fully depreciated and can no longer perform their function the servicing jobs for those robots isn't coming back either.\n\nIt is a simple business calculation", "replies": [ { "author": "orngckn42", "body": "As a former aircraft mechanic I can say that machines break, it's just what they do. Companies will want people trained in mechanics to fix them.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yea they do but the machines will still will have taken the factory jobs.", "replies": [], "score": 1, "timestamp": "2016-11-10 13:01:14" } ], "score": 1, "timestamp": "2016-11-10 06:49:17" } ], "score": 2, "timestamp": "2016-11-10 06:36:10" } ], "score": 1, "timestamp": "2016-11-10 06:29:20" }, { "author": "RajivFernanDatBribe", "body": "Trump and who? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "The people who were the candidates prior to last night. I think that answer should be simple enough for you.", "replies": [ { "author": "RajivFernanDatBribe", "body": "Jill Stein? She could have been the first female president. I hear that people were putting their I VOTED stickers on Susan B Anthony's grave in her honor. \n\nThere are so many women in this country who deserve the honor of the presidency. Someday. Someday soon. (Warren 2020?)", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Warren would have been an excellent choice. My issue is more why \"we\" as a society elected the COTUS. There isn't a damned thing he can do to actually bring the jobs back, not the jobs that the people who voted for him used to have.\n\nEdited to add that Jill Stein is just about as impressive as Trump when it comes to medical/scientific understanding.", "replies": [ { "author": "RajivFernanDatBribe", "body": "Your comment is hilarious, as Jill Stein has a degree from Harvard Med and taught at Harvard Med and Trump sold Trump Steaks, the healthiest steaks in the country. \n\nMaybe this dismissiveness is why you lost and why Hillary was crying this morning.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "So what, Michael Egnor is a famous neurosurgeon and a creationist. It isn't where you got your degree from it is how you use it. She tends towards the anti-vaccinationist crowd which is enough for this old boy to write her off. (putting that politely - the anti-vax people really should be treated as unwanted immigrants - I can understand not vaccinating for genetic auto-immune issues but muh-mercury?)", "replies": [ { "author": "RajivFernanDatBribe", "body": "Have you considered that you've been lied to about Stein, just like you've been lied to about Hillary?\n\nEither way, it's a moot point, as Hillary Clinton's reign of terror in American politics is over and she can now focus on watering down more AIDS drugs and stealing money from Haitians to give to Chelsea for her wedding. (Thanx Wikileaks!)", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "no - Steins statements did that themselves.\n\nSeriously - I didn't vote for Hillary - I voted against Trump since I have a teenage daughter and his VP was Pence. \n\nAnd there is his EPA transition person who denies basic physics and chemistry. Myron Ebell? Seriously?\n\nAnd Orac is a god by the way: [Jill Stein](http://scienceblogs.com/insolence/2016/08/01/jill-stein-and-left-wing-antivaccine-dog-whistles/)", "replies": [ { "author": "RajivFernanDatBribe", "body": "I agree. Trump is bad. I didn't vote for Trump. I also didn't vote for Clinton. Clinton was bad. Now she is nothing.\n\nTrump is President. Pence is Vice President.\n\nThose who helped Trump must not complain.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I SAS didn't help the trumpets. Clinton wasn't great, but now I am a serious 2nd amendment nut who is scared for his child thanks to the trumpets.\n\nNothing scarier than an educated leftist redneck if you are a centipede.", "replies": [ { "author": "RajivFernanDatBribe", "body": "What is a centipede? Someone called me that and because they are in a bubble thought I'd be hurt by what I'm guessing is an insult.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "The folks over in r/the_donald like to call themselves that.\n\nI am not personally sure of the origins, maybe it has something to do with being slithery and poisonous in general? \n\nI dislike them on principle - while I can understand the frustration of rural america on the job issue I cannot forgive the inherent misogyny/religious bigotry/racism etc from those folks. That is where COTUS and his incoming cabinet have lost any potential good will on my part.", "replies": [], "score": 1, "timestamp": "2016-11-10 06:42:03" } ], "score": 1, "timestamp": "2016-11-10 06:30:34" } ], "score": 1, "timestamp": "2016-11-10 06:28:34" } ], "score": 1, "timestamp": "2016-11-10 06:25:34" } ], "score": 1, "timestamp": "2016-11-10 06:22:14" } ], "score": 0, "timestamp": "2016-11-10 06:18:27" } ], "score": 2, "timestamp": "2016-11-10 06:15:00" } ], "score": 1, "timestamp": "2016-11-10 06:11:01" } ], "score": 1, "timestamp": "2016-11-10 05:56:16" } ], "score": 0, "timestamp": "2016-11-10 05:51:47" } ], "score": 2, "timestamp": "2016-11-10 05:43:22" } ], "score": -1, "timestamp": "2016-11-10 05:35:04" }, { "author": null, "body": "Oh great, here comes the return of the favorite liberal meme on this sub. Automation means we have to take money from the rich and give it to the poor! News flash, new technologies have never replaced anyone's jobs ever. They just create new jobs involved in the upkeep and maintenance of those technologies. So tired of automation being tied to \"universal basic income,\" what a joke.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Nope, I never said we had to take from the rich and give to the poor. Check your reading comprehension. I just was wondering how you think the COTUS will make your life economically satisfactory?\n\nEdited to add: Do you know how to repair an industrial robot truthhurts4444?\n", "replies": [], "score": 4, "timestamp": "2016-11-10 06:01:36" } ], "score": -4, "timestamp": "2016-11-10 05:55:47" } ]

politics

Art_Output_500posts.json

'Hamilton' Cast Makes Direct Plea to Mike Pence in Audience

PM_ME_YER_MUDFLAPS

http://www.nbcnews.com/politics/2016-election/hamilton-cast-makes-direct-plea-mike-pence-audience-n686116

177

19

2016-11-19T15:03:24

[ { "author": null, "body": "Civil liberties? Give me a break. You let Obama re-up the Patriot Act without one meaningful reform and watched as he droned American citizens overseas. You stood silent when Obama approved the sale of $1 billion worth of weapons to a regime that executes people for being gay. Where was the cast when those things were happening?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Pence cares for anyone who isn't white, straight, Protestant, or most importantly -rich.", "replies": [ { "author": null, "body": "That's not what I said. I didn't mention Pence. You didn't try to refute any of what I said by the way but thanks for the downvote!", "replies": [ { "author": "rawrandrauk", "body": "Considering this is an article about pence... stop deflecting.", "replies": [ { "author": null, "body": "I was responding to what the cast said in the article. That they were worried about their \"inalienable rights\". If they were so worried they should have spoken to our current president.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Like Flynn will have any issues droning folks in far away lands? I know the Obama administration was shitty about drone strikes and whistle blowers but when you think John Bolton is a good guy to pick for peace in the world? Like Sessions who couldn't get confirmed under Reagan is a shining example to hold up civil rights? And you dare call the actor a hypocrite? How do you know his position on drone strikes?", "replies": [], "score": 9, "timestamp": "2016-11-19 15:34:13" } ], "score": 0, "timestamp": "2016-11-19 15:29:00" } ], "score": 15, "timestamp": "2016-11-19 15:25:27" } ], "score": -7, "timestamp": "2016-11-19 15:23:46" }, { "author": null, "body": "[removed]", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "troll them how? He just showed up expecting to be just part of the crowd but since he is (shudder) the VP Elect he hoped to get positive results? This really isn't making any sense. Maybe you could educate me and the 50% folks who didn't vote for the Cheetoh Of The United States.", "replies": [], "score": 1, "timestamp": "2016-11-20 05:43:01" } ], "score": -2, "timestamp": "2016-11-19 15:32:17" } ], "score": 21, "timestamp": "2016-11-19 15:22:03" } ], "score": -14, "timestamp": "2016-11-19 15:19:54" } ]

life

food_Output_500posts.json

Congratulations America! You've just elected a conspiracy mongering scientific ignoramus as President

PM_ME_YER_MUDFLAPS

http://scienceblogs.com/insolence/2016/11/10/congratulations-america-youve-just-elected-a-conspiracy-mongering-scientific-ignoramus-as-president/

81

61

2016-11-13T22:41:22

[ { "author": "mybosssdirtylaundry", "body": "Well to be fair most of us actually did not.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "True- in terms of popular vote I think he lost.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:36" }, { "author": null, "body": "Most of us didn't vote for a corruption-ridden corporate shill either. \n\nPlurality =/= Majority ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Which corporate shill did you vote for? I at least voted for the one who wasn't misogynist/racist/islamaphobic/anti-science.\n\nHillary was bringing the 400 block of Wall Street while trump is trolling down in the 600 block of Wall Street. If I am going to get screwed by special interests I would rather it come with a left handed stroke.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:03:03" } ], "score": 0, "timestamp": "2016-11-13 23:06:54" } ], "score": 23, "timestamp": "2016-11-13 22:44:50" }, { "author": "MolestedConservative", "body": "Trump will be the first president to confirm the existence of extraterrestrials. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Living in his sigmoid process no less.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:56:00" } ], "score": 4, "timestamp": "2016-11-13 22:51:27" }, { "author": "Feignfame", "body": "While true this article is not only a rambling rant of rage but also a obese oboe of obvious. ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "What can I say, Orac is loquacious.", "replies": [], "score": 1, "timestamp": "2016-11-13 22:55:11" } ], "score": 4, "timestamp": "2016-11-13 22:54:14" }, { "author": null, "body": "How much longer must I hear about this election. Hellppppppppppp meeeeeee", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "About another four years.", "replies": [], "score": 1, "timestamp": "2016-11-14 01:06:28" } ], "score": 1, "timestamp": "2016-11-13 23:27:34" } ]

life

food_Output_500posts.json

League Of The South Hails Trump, Wants ‘No Mercy’ Towards ‘Jews, Minorities And Anti-White Whites’

PM_ME_YER_MUDFLAPS

http://www.rightwingwatch.org/post/league-of-the-south-hails-trump-wants-no-mercy-towards-jews-minorities-and-anti-white-whites/

952

300

2016-11-11T19:07:15

[ { "author": null, "body": "[deleted]", "replies": [ { "author": "gAlienLifeform", "body": "/r/CornbreadLiberals", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Cool.", "replies": [], "score": 3, "timestamp": "2016-11-11 19:45:52" } ], "score": 12, "timestamp": "2016-11-11 19:42:54" } ], "score": 49, "timestamp": "2016-11-11 19:23:05" }, { "author": "NoIWillNotYield", "body": "The scapegoating of Jews begins.", "replies": [ { "author": "Ecanonmics", "body": "But what about Palestine?", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I think that Israel should stop building in the West Bank but I also would also fight a Kristallnacht. Unfortunately Israel isn't immune to the type of insanity that brought us Trump either.", "replies": [ { "author": "NoIWillNotYield", "body": "If you wait for a kristalnacht to fight it's gonna be **way** too late.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah - there doesn't seem to be one brewing in my neighborhood at the moment here in Plano but according to the Nazi's view my area has less of a Jew problem than it does a brown person problem.", "replies": [], "score": 3, "timestamp": "2016-11-11 20:59:00" } ], "score": 15, "timestamp": "2016-11-11 20:44:58" } ], "score": 18, "timestamp": "2016-11-11 20:14:48" } ], "score": 2, "timestamp": "2016-11-11 19:41:35" } ], "score": 129, "timestamp": "2016-11-11 19:10:40" }, { "author": "ozabelle", "body": "MAGA - to the tune of dixie too! whodathunkit? ", "replies": [ { "author": "Themostunderdisturb", "body": "Always find it weird that liberals are always the ones helping to spread the message of these crazy people.\n\nMakes you wonder...", "replies": [ { "author": "ozabelle", "body": "well yeah if we pretend they don't exist then they won't. like global warming? ", "replies": [ { "author": "Themostunderdisturb", "body": "So instead you choose to broadcast their message to an even larger audience than the few people who actually follow them and care what they say?", "replies": [ { "author": "ozabelle", "body": "i never understood sirens, either. i mean what for? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Magnets, how do they work?", "replies": [ { "author": null, "body": "[https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif](https://67.media.tumblr.com/47f5e0f32018b461ed56eef9031e7eef/tumblr_mywjkb1mv01qg30u6o1_500.gif)", "replies": [], "score": 5, "timestamp": "2016-11-11 19:27:19" }, { "author": "Cold417", "body": "MAGAnets.", "replies": [], "score": 1, "timestamp": "2016-11-11 20:04:58" } ], "score": 9, "timestamp": "2016-11-11 19:25:07" } ], "score": 24, "timestamp": "2016-11-11 19:18:57" } ], "score": -12, "timestamp": "2016-11-11 19:17:46" } ], "score": 45, "timestamp": "2016-11-11 19:15:43" }, { "author": null, "body": "It's called warning people.", "replies": [ { "author": "Themostunderdisturb", "body": "Sure it is, sure it is.", "replies": [ { "author": null, "body": "You can ignore it if you like. ", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah I tend to ignore racists.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Themostunderdisturb", "body": "Yeah keep trying those failed regressives tactics of calling everyone a racists, it worked so well to elect Hillary Clinton!", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)\n\nDid you vote for trump?", "replies": [ { "author": "Themostunderdisturb", "body": "Johnson", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Great- Trump lite.", "replies": [], "score": 1, "timestamp": "2016-11-11 22:47:34" } ], "score": 1, "timestamp": "2016-11-11 22:25:58" } ], "score": 5, "timestamp": "2016-11-11 19:38:53" } ], "score": -4, "timestamp": "2016-11-11 19:37:58" } ], "score": 10, "timestamp": "2016-11-11 19:26:04" } ], "score": -1, "timestamp": "2016-11-11 19:22:18" } ], "score": 18, "timestamp": "2016-11-11 19:18:12" } ], "score": -20, "timestamp": "2016-11-11 19:16:10" } ], "score": 27, "timestamp": "2016-11-11 19:12:46" } ], "score": -28, "timestamp": "2016-11-11 19:12:09" } ], "score": 23, "timestamp": "2016-11-11 19:09:12" }, { "author": "inmemorieswetrust", "body": "Trump has no control over who supports him. He's already disavowed racists like this, he wants nothing to do with them.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "[Cough cough cough](http://whatever.scalzi.com/2016/11/10/the-cinemax-theory-of-racism/)", "replies": [ { "author": "Shasta-Daisies", "body": "Thanks for that link. It was a great explanation of what I've been trying to express.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, Scalzi is pretty good. I am debating trying to post that one in r/politics but it might skirt a little too far from the political.", "replies": [ { "author": "Shasta-Daisies", "body": "Well it is ok I think for the rules. Def far better than beardy duck commander type vlogs instructing people to just go on with their lives.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Giving it a shot- hopefully it sticks and gets a bit of traction. Nobody likes being called racist but when we look the other way we just encourage the problem to continue and fester and effectively encourage racism.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:52:53" } ], "score": 1, "timestamp": "2016-11-11 19:47:25" } ], "score": 3, "timestamp": "2016-11-11 19:36:08" } ], "score": 6, "timestamp": "2016-11-11 19:31:00" } ], "score": 8, "timestamp": "2016-11-11 19:19:51" } ], "score": -8, "timestamp": "2016-11-11 19:12:33" } ]

life

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Anti-LGBT groups are absolutely giddy about a Trump presidency

PM_ME_YER_MUDFLAPS

https://thinkprogress.org/trump-lgbt-brexit-effect-f4e62442e237#.wk9lxhixd

17

14

2016-11-11T18:07:12

[ { "author": "fridActs", "body": ">Social conservatives are excited for a Trump presidency (and Pence vice presidency), and they are already bragging about all of their plans to roll back LGBT equality. \n\nBe careful what your wish for. \n\nI don't get this legislating what folks do behind closed doors - but whatever.\n\nI \"hope\" those anti-LGBT people succeed. \n\nSee, I want that precedent. Then I can use it to ban irrational thinking - like believing in a deity. \n\nIt's a wonderful slippery slope for people like me who wants kooks who believe in some sky being that watches and see if they are naughty or nice - like Santa Claus. \n\nTheir laws will allow my ilk to ban their lifestyles - like believing in such nonsense as God.. \n\nHey, freedom of religion is OK, but eating of dead flesh - whether literal or metaphorically is illegal. \nAnd how about this marriage before sex. That should be made illegal. \n\nAnd let's regulate the bedroom some more shall we?\n\nTo prevent homosexuality, everyone will be forced to have sex with a same sex partner, videod, and examined to make sure they are not gay.\n\nVideos will be examined by our peers - yes please! \n\nLet's prevent all social deviance by spying on people. Shall we? \n\n", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Sighs, I was about to snark about trans-vaginal ultrasounds becoming mandatory for everyone as a religious more without any exceptions for current non-vagina owners since our new medical program would be installing them into them as part of our religious tenets and then I shuddered and realized that I was sounding like a centipede/4channer and stopped myself.\n\n", "replies": [ { "author": "fridActs", "body": "OK. That looked like you were making a point - and making one to me. \n\nBut it went over my head.", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "Yeah, it is like a vertical waffle, it doesn't know which side to come down on. ", "replies": [ { "author": "fridActs", "body": "Alright ... let continue - out of my curiosity. \n\nSay whaaat? ", "replies": [ { "author": "PM_ME_YER_MUDFLAPS", "body": "I am a bit frustrated with the election results and while I I want to lash out at what just happened I am also reflective enough to see how it changes my reactions. Kind of a Nietzsche abyss thing.\n\nAt the end of the day I am very [disappointed] (https://m.youtube.com/watch?v=84zY33QZO5o) in that portion of my fellow Americans who voted for Trump.", "replies": [], "score": 1, "timestamp": "2016-11-11 19:02:55" } ], "score": 1, "timestamp": "2016-11-11 18:57:01" } ], "score": 1, "timestamp": "2016-11-11 18:52:04" } ], "score": 1, "timestamp": "2016-11-11 18:39:40" } ], "score": 1, "timestamp": "2016-11-11 18:36:10" } ], "score": 1, "timestamp": "2016-11-11 18:21:29" } ]

life

food_Output_500posts.json