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Idiot US Consumer For Dummies
Take the previous post (average American = dumb as bag of hammers) add one USA-style credit card with an "accordion feature" ceiling, and you get this...
Source: theoatmeal.com, h/t Nolsgrad
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so true
buy it now, so you work the rest of your LIFE paying the minimum payment on our cards.
SO WE CAN OWN YOU.........BITCHEZ
About two months ago I was at our local vet. Three of the women that worked there were standing around the front desk. I'm sure none of them makes very much money. The youngest was nice but didn't strike me as the sharpest knife in the butcher block. The oldest of the three, probably in her late 20s, was talking to the younger one about credit cards. She was telling her not to use them and wait until she had money to pay for things.
I was very impressed. Unfotunately, that is a rare occurrence. I am appalled at how many people I know in their late 40s and 50s that have nothing. They were counting on their houses to be their retirement and that isn't working so well. I guess they thought they could rip a few shingles off the roof and pay the electric bill.
I see that former presidential candidate Fred Thompson is now shilling for reverse mortgages. Way to go Fred. I guess he was qualified to be presidentl.
Again...http://www.hulu.com/watch/1389/saturday-night-live-dont-buy-stuff
great stuff tek,
LOL
almost as good as MR BILL, and THE BASS-O-MATIC 1000
REMEMBER THIS:
Lending Tree Commercial: I'm in debt up to my eyeballs...
www.youtube.com/watch?v=r0HX4a5P8eE
family guy on debt
http://www.youtube.com/watch?v=Vrdmw9Aac5Y&feature=related
Awesome video. I was showing that to everybody at work about 3 years ago. I think a few co-workers didn't understand why I was laughing. They, too, have no idea where that "saved" money can be found.
I knew the level of intelligence I would be dealing with in this nation by the time I was 21, they elected Raygun twice, what more needs to be said about the quality of education in America? And you can chart the downward course of quality till it fell off the cliff with the election of BushCo in 2004 (2000 did not count since he was appointed by a GOP majority of the SCOTUS judges that time).
The results of "political correctness", equal treatment of idiots (democracy), and lack of natural selection before breeding age in our modern society.
minor quibble: Busch won all counts. It was the fault of the Florida Courts that the SCOTUS had to intervene in the process.
George W 2000; "i can't find my keys"
Dicky C 2004; " I just diddled your kid and there's not a damn thing you can do about it"
Barry O 2008; " Oh shit"
Ricky Reagan 2012; "Whooooopeeeeee"
and the world churns
priceless.
That commercial is too complicated for the average credit slave
look - if we want to ride with the windows down and the air conditioner on cause it feels good, we'll damn well do it!! It's about feeling good now, and the next minutes and the next.. if we ever go broke and no more credit we can always blow someone for meth
hmm, i think i can afford riding around with the air conditioner on and the windows rolled down...
United Sates Of Amphetamine, United States Of Amphetamine.......ah, er sorry u s a, u s a
Give me Librium or give me meth...
what the american people don't know, is what makes them the american people...
used the line before, but it is epic...
It's sad that people are now being forced to use credit cards just to survive. Flat to no wages, increasing cost of living and now a record number of people living in poverty. Consumerism is dying a slow death and survivalism is reemerging
Evidently no one here is old enough to remember "Queen for a Day", that ultimate mid-1950s monument to live TV and American Consumerism. Several careworn, middle-aged ladies come out and are one-by-one interviewed about their disasterous lives - "my huband deserted me, kid run over by a train, recently diasgnosed w cancer" etc. - and the (live) audience APPLAUDS each godawful story and, as measured by an APPLAUSE METER a winner is declared. She then gets all sorts of good stuff, fur coat, washing machine, diamond earrings, etc.
I barely remember I must have been about 6 or 7 years old when I saw it, I was born mid-fifties so maybe they repeated it. I didn't remember how they won, just that the poor old lady got a bunch of shit housewives wanted back then, as you said, washers, dead animal skins, diamonds. Weird stuff that.
I remember the title, "Queen for a Day". I just didn't have time to watch the boob tube. Didn't that have something to do with homosexuality?
paying?
keep studying grasshopper.
Too funny...
Exactly.run up the debt, go bankrupt. Get it discharged, rinse and repeat.
System still needs to sell shit on credit and will always lower the standards.
You mean like this:
http://patrick.net/forum/?p=25968
The Amerikan way
Pfffff...dude doesn't own any houses.
Or stocks.
or PM's
or guns
.
neither do most "homeowners"
Many of the people I know are owned by their houses. And they are all dying for me to join their club. I have been in that club. I don't miss it. When we move away from this city I am sure I will be able to rent a house for less than what it would cost to own. Plus, I will be able to tell the landlord to fix the fucking dishwasher when it breaks. Sweet.
Keep this up and you'll have to change your last name.
and whats stopping him from just ripping the dishwasher out and saying, what fucking dishwasher?? your wife?
And as a renter I say, "fuck you" and move on. I am not a slave. I am a renter. You don't like me as a tenant somebody else will. We are the tenants every landlord wants.
If you complain about a broken dishwasher, or even a fucking light bulb, your not.
On the other hand, that's what property managers are for...
Who would try to fix a dishwasher as a renter? That is silly. We keep our place spotless. We treat the place like we own it. But I'm not fixing the fucking appliances. Oh yeah, and we have never, not even once, been late with rent.
Good renter then...
Renters a dime dozen now and have to fight it out for my properties. Listed one just last month and had 12 people call in the first two hours it was listed. I don't do slum though all my rentals are upscale (SS appliances etc.) and not in rent controlled areas. Bad thing for you though village is you'll still be paying rent to someone else rest of your life. Renter's rent pay my property taxes and utilites so I live free on their 9 to 5 lives. I can pack up and move when ever I want to, I wouldn't want or need to sell my house it would just be another rental.
You must enjoy moving. Personally I'd rather have a root canal than have to move.
He said he was LEAVING NY...
To my knowledge no one in the US owns their home. They may not have a mortgage but they pay their rent for the land to the local despot (Gov) or the home is taken. If you have to make payments from here to eternity or someone comes and takes possession of something, then you don't own it.
sort of a de facto serfdom
When my wife wants to get this message across to me she uses my testicles to illustrate her point. It is a very poignant lesson.
Sort of?
+ a 44.68 ratio ;-)
There are a rare few lifetime allodial titles in Nevada, there may be others.
But even those are only for the life of the owner, and not eternal. IIRC there were some ranches in AZ that have grandfathered allodial titles when AZ was part of mexico.
So virtually no one owns their home, but there's a tiny, tiny segment that do.
I agree. I usually say it is a "lease with the option to sell". Once I sell this anchor in five years, renting will be my preferred option.
'Cept Nevada and Texas have Alloidial Title, not sure how it works in TX, but you pay a fee in NV (that's pretty reasonable) and there are no taxes on the prop until the last continuous dwelling/owning person on the title dies...
I have been saying this for years, and people look at me like I'm stupid. Amazing how much we have given up. Hunting season coming up shortly, and I have to pay a government agency for the privilege of killing bambi on my own property. I keep telling my family, we are not much better off than the serfs of the middle ages in Europe.
Shameful, I believe the first $75,000 in home valuation in Louisiana is tax exempt. So if your home is less then that then no taxes.
Precisely. Traffricant said it and went to aoil on racketeering charges for it.
Did he come out brainwashed? Or still fiesty?
ORI
Trafficante and Pike Said it
wow i just laughed my ass off, sad but this is true....i knew a family of 3 drivers that had 5 cars. yes 5 car payments a month, but the poor kids werent allowed to have their computers on past 9pm to save money on electricity. fucking sad......
Was mom allowed to use "the tooth chipper" after 9 pm?
lol whats a tooth chipper?
an enforcer type, or a really bad blow job
could be either in this context
Hey, I was just reading that book, Consumerism for Dummies!
Here comes the repo man.
But, everyone is fancy, successful small business owners in the banking commercials....
LOL... so true.
How many fucking cupcake shops does the world need? Seriously. Every third block now there is either a cupcake store or a cupcake truck. And I think they all have the new Chase Sapphire credit card.
i have been bitching about this for a while now...i wish i could short cupcakes
How about edible arrangements? Who would want to receive that.
day old fruit ....my favorite
hope they were wearing rubber gloves when they made it
And how many cupcake shows can they have on Food Network? "Cupcake Wars". Give me a fucking break. I want to see "Cleaver Wars". I want to see Paula Dean and Rachel Ray hacking fucking body parts off of each other. Then Bobby Flay can come in and slice Guy Fieri, and his hipster bullshit, into fillets and chops and throw him on the grill. Now that would be entertaining. Cupcake Wars? Fuck off. What a stupid country. We watch shows about people making cupcakes.
Classic. "We watch shows about people making cupcakes" Purty much sums it up for us here.
But... But...But...these are designer cupcakes.
As you said, Fuck Off to you and your designer cupcakes, and go hang out with the fat asses in line for Krispy Kremes and Cinna-Buns.
it's like the house flipping shows before the housing bust...we're in a cheap food bubble methinks
my favorites are the "lets see how much we can fuckin eat" shows
I love that job title, professional eater.
WTF?
They interview them and ask them how they have "trained" for the event and everything.
Congrats on being the biggest fucking glutton in the county. Hey, did you ever see the movie "7"?
pods
"What a stupid country. We watch shows about people making cupcakes."
I don't own a TV, hence have never heard of this cupcake thing... A WIN WIN for me- save money by NOT subjecting myself to this [TV] shit! :-)
Yeah. What's a fucking cupcake? I have no idea.
like the 'kim kaption' contest the other day
i had to read every fucking post to figure out who the hell she was
thought she was that shitty rapper ben affleck was boffing a few years back
jennifer lopez...wouldnt know who she was either if i didnt watch south park on occasion...on netflix
I'd settle for 'Cleavage Wars'. Who gives a shit what the theme is.
But WVI out of interest are you talking regular cupcakes or those cute mini sized, one bite little beauties?
funny bastard!
what's next, muffin tops...oh, that one's already been taken too...
Muffin bottoms? Oh, yeah, that's what the people have who eat all the tops...and the cupcakes...and the cakes...ad nauseaum...
Someone here has that back boob avatar. Scary. Keep thinking "Where are the nipples?"
pods
I'd watch any show with exposed muffs.. the variety is staggering and could run for seasons upon seasons. I'd pass on muffins.
And manicure/pedicure shops. I've seen them two in the same stip mall. Convinced they are money laundering fronts.
Beat me to it.
Cupcakes? But you can't eat ... oh, wait. Go Long cupcakes!!
I don't know whether to laugh or cry... X'D
Are you directly supporting one of these credit junkies? If not, then you can laugh.
It is frightening how many responsible people I know that continue to enable their kids to live this sort of life. I know of several people directly that will have their retirements either ruined, or delayed, because they can't cut off their dipshit offspring. I have no sympathy.
my neighbor has a 4 and a 7 year old....each with a smartphone...with apps
fucking why?
when i asked he was dumbfounded, like what a stupid question...of course a child needs a hundred buck a month phone
when i was seven i couldnt even reach the wall mounted rotary phone ...so i went outside
Uncle Willard made his point very well.
Hey, Missy. I sure hope the level of intellectual endeavor in the past 2 articles is not a precursor of the direction ZH is going. Is it just me, or is it stupid in here.
Relax, my faithful friends. I suspect the Tys are just shaking things up a little bit. You know you love it.
Jeez, almost as creepy as Sexual Harassment Panda.
Take a little test....from PEW Research. Not that I think any of you Hedgers would fail, but the overall results are a little scary.
Perhaps we need to bring back voter eligibility tests.
Test your news IQ - Pew Research Center
I only got 8, but not too bad for a Canadian I suppose...
I missed the one on coal. Other than that, I'm a brainiac.
You scored better than 79% of the public. And I'm not an American.
Edit: mouse self double-clicked. Bitch.
Um, IQ is completely mis-stated. It should read "knowledge of current events". My score ...
The 11 questions were very, very easy *if* you pay attention to current events/politics/economy. Here was the curve (typed it up real quick):
So, I take this to mean that 50% of the public doesn't have a basic clue what is going on around them given the questions were so basic.
Pretty much sums up why we are in this shit pot to begin with!
Regards,
Cooter
No one likes a smart arse..........
I got eleven also.
I got 11 also, though I used the process of elimination on the facebook question.
Got 'em all right excepot for interest on the national debt vs. medicare. I chose interest on the debt.
In keysian economics, we are all dead in the long run, so there is a limit to how much money could be spent to keep any and all of us alive.
But as Einstien pointed out compound interest is the most powerful force int he universe, and the ammortizatized interest on the debt of the US government is incalcuable.
Maybe thats why Einstien said the hardest thing in the world to figure out is the personal income tax. I would love to see keynes and Einstien have a discussion, on anything.
Same result here; I think we're just a little bit ahead of reality, but I doubt it's very far ahead!
Freud an Einstein once had a discussion on "why war?". Puerile.
It says, "test your NEWS IQ". That should have been a dead giveaway. Sorry about your low SAT score ;)
I got three questions at the end wrong, my age, sex, and education. I keep forgetting stuff. I got all the other ones right.
10
Edit: Is it too late for me to change my score? ;-)
11..., their counter thingy must be broken.
I think I answered incorrectly on the Hillary! question...I still don't want to believe it ;-)
Me too.
I don't remember which one exactly...it was a passing flight of fancy here, maybe coal instead of nuclear.
But to think, Hillary! is meeting with heads of state...discussing/participating in/making foreign policy should send shudders down everyones spine...except foreigners of course ;-)
That quiz was fun but a little messed up. I did like the question about unemployment where they had to state, "as reported by the government".
Some of the questions were trick questions. First off, Gadaffi, is not a leader. Second off there was no "cunt" as a possible answer for what Hillary Clinton is. And for the Wisconsin question there was no answer that stated, "whining like a bunch of bitches because the government was trying to take away the shit they rightfully got by bribing politicians".
I changed my answer on two questions and those were the 2 I got wrong. Fucking fat Americans and Medicare patients cost me a perfect score.
I suppose anyone who new that Gadhafi was no longer in charge of Libya missed one, but should have gotten extra credit.
Yeah.....
The fat question got me too.
11...but the first question was:
moammar gadhafi is leader of which of these countries?
libya
egypt
saudi arabia
china
so i'm calling foulWe were smart enough to give them the answer we figured they wanted to hear.
Politicians don't lead countries. Bankers and the corporations they fund do.
3.... but I'm an obese unemployed Republican
LOL!!!...change party's, talk to DOE and go into solar panels...it won't do anything for your waistline, but what the hell ;-)
11. Ironic that the hardest question asked (according to the correct response percentages) was: On which of these activities does the U.S. government currently spend the most money?
I guessed that one correctly, because the Repubs keep complaining about entitlement spending.
11/11. I admit, I took an educated guess on a few.
"-6" WTF? ooooh, DWTS is on! (11)
I got all 11, but WTF the first question is who is the leader of Libya and the correct answer is Gaddafi?? Glad to see Pew keeps up with current events too.
Was there an answer for whoever is head of the rebels new central bank?
pods
or who were the "local traders" who bought the $1.6 B worth of gold from the moQ?
11/11, a couple I paused and considered.
Only 2% of respondents, or, per Pew, "the public" could answer all 11 correctly? REALLY? Lord, help us all. Even the dumb ones.
Question 6 is a trick question. Should read 25% are MORBIDLY obese.
Here's Your Score: You correctly answered 11 out of the 11 possible questions, which means you did better on the quiz than 98% of the general public.
What do I win?
i used my chase credit card to buy more silver. is that to much?
That kinda like "hope and change"?
When the invoice hits settlements, they'll collateralize it and credit it against their short position at COMEX.
Now if Uncle Willard had bought pm's, on those credit cards;)
Can someone please put this Tyler to bed for the night? Thank you.
A Go-Get guy in my area code expanded his restaurant, pub and club empire on finance, bought his house on mortgage and financed all his purchases (fast cars and boats etc) on credit (debt). He was recently foreclosed on by the banks/creditors when 'The Credit Crunch' hit.
Not surprisingly his name is not worth much in my parts anymore as people close ranks against bankrupts... but in my view this Go-Getter guy was the absolute 'Poster Child' of the very lifestyle the Banks (and politicians) themselves wanted to promote for everyone in society. When the (banks own) shit hit the fan suddenly we are to make their own human robot creations into the enemy, but not the Banks who created this wonderland of debt slaves, credit card zombies and credit-stretched businessmen
The bankers are now worthy of taxpayer funding to prop up their rotten bankrupt over-leveraged (hysterical) business models but somehow businessmen and consumers are not. Politicians have taken sides and the bankers who have created this mess are getting their sympathy while everyone else has to pull their fingers out and prop-up these bwanksters ...charming!
My how we invert and pervert the truth and turn in on our own rather than at the core of the problem ....it's about time the banksters went fuking bust in my book. It couldn't happen to a nicer bunch of lying greedy thieves ...and sooo blameless too for this international bloodbath of society
But...it wasn't apparent to that person that they were living beyond their means? That is like saying someone with 17 credit cards doesn't get it either. Same result just different avenues.
I realize they were "allowed" to do it but their own motivations drove them to do it.
I'm not saying an over-stretched businessman or consumer is blameless ...just that they are the poster children of the Debt-Slave Theme Park the bwanksters and politicos wanted to create for society
And I also find it somewhat ironic we turn in on ourselves as a society... this Go-Getter had a chain in another country that went bankrupt. He paid all his bills to suppliers and staff, the only outstanding debts were to the local and national Govt in unpaid taxes and insurance etc. Made me chuckle that. But the Press turned on him in good establishment stylee like he was some charlatan when in fact he was the Poster Child of the real charlatans, the bankers and politicians
He could still be in business today doing a very good job of serving happy customers were it not for the bankers own House of Credit Cards collapsing around their arses
Our politicians "updated" the Bankruptcy laws right before the credit bubble blew up.
Yes indeed, yet more irony... because this Go Getter is now banned from Directorships in a certain foriegn country while the bankers have been bailed out in said foreign country with not a single one of their arses banned in any capacity
So it is fact that leaving a five-six figure unpaid tax bill to the State is cause for legislative wrath and Judicial vengence while pissing billions down a toilet as a national bwankster is a blameless event worthy of political sympathy and propping up your bankrupt bank
Meanwhile in the UK the FSC has made all bwanksters blameless for a £Trillion of debts with 'surprise surprise' not a single bwankster taken to court or banned as Directors ....great stuff this isn't it? ...really I doubt anyone could write fiction as idiotiic as this shit if they tried!
My fellow Americans (not all, but a large percentage) are the most arrogant (i should say narcissistic, becuase it's ungrounded arrogance), disrespectful, misinformed, and decedant people on the planet. Not only that, they're dumb and sick. There will be hell to pay here.
While we may be arrogant, disrespectful narcissists, I am relatively sure that the large majority of Americans are alive.
Ha! No one is even junking you because they can't figure out that you are a spelling/grammar nazi. Well played!
Er, decedent...
The only way to insult people is to make them work to figure it out. I didn't even mention how his usage of "my fellow Americans" implies that the OP is a member of the very same group he chastises.
Yes you snooty pompous ass... I exactly meant to imply that i am of the same group. It's called self deprecation, dipshit. Not something i suspect you've tried much.
Pretty fucking fat as well.
Hard to imagine laying your life down to defend this place.
Hard to imagine laying down your life to defend some of the worthless people in this place.
Fixed it...first time is free ;-)
The dumb, misinformed Americans are just owning Raymond Reason in this thread.
I'm an underdog sentimentalist...I really can't help myself ;-)
"Hard to imagine laying your life down to defend this place."
When has anyone done that?
No he'll to pay. The arbiter of divine justice used to work at goldman.
Still better than being a PIIG.
Funny rofl Tyler