Wow… I feel like “substance over form” contradicts a core sovcit belief: That there are specific magic phrases and processes that must be executed precisely to be valid. The systems in place intentionally hide, obscuring, and otherwise make it as difficult as possible for the sovcit to perform the rituals correctly. But if they do, they will “win”.

Of course, leave it to a sovcit to find another contradictory concept to shove into the rest of their contradictory beliefs.

Hello, 30-years-ago me. My sister and I had a similar age gap. We had an amazing relationship/friendship throughout our childhood and it was really hard when she left for college. The good news is that we still have an amazing relationship and she is still the best sister I could ever ask for.

It’s a funny thing that when we are young, everything feels so permanent when in reality, your life is changing incredibly quickly. When you get hit by something like this, it’s uncomfortable as fuck to see that reality. Change is hard, but it also leads to and comes along with growth… and growth is good.

I don’t say this to be dismissive of what you are going through, only to say that change happens. It is a part of life that we learn to deal with because it can’t be avoided. What is happening in your life probably hurts. It’s probably scary. The uncertainty sucks. All those feelings are valid.

She will be farther away. You will see her less. She is going to be incredibly busy at times. But she is also there for you and you two will still have each other and have time together.

Of course, I have no guarantees — your life isn’t mine. But for me, it wasn’t nearly as bad as it seemed (it’s easy to imagine the worst). Just like it was awesome having an older sister as your friend while at home, it’s really awesome to have an older sister in college to talk to and visit get to experience bits of that life with.

Close up

The OPCA document is fabulous. It drips with disdain for all of these wonky sovcit arguments while thoroughly dismantling them.

Wow. I just want to say thank you for such a thoughtful, informed, detailed response. You are an amazing person!

From the article:

There are some important things to keep in mind here, like the fact that 15 of the 17 studies were case-control studies. This kind of research cannot prove cause and effect, and it often does not look at things that might have affected both the exposure and the outcome.

A number of the studies that were looked at were of low quality, which is something that the authors also highlight.

Findings were inconsistent across studies, but those of higher quality suggested that associations in unadjusted models might have been due to factors that could have influenced the results.

Oh hell yeah. I want to see a Dendy reboot.

I did the math for the interest rate since they didn’t bother to in the article. The article says she had paid $1400/mo for 3 years and had only paid 10,000 toward principal. Assuming that’s 36 months of payments, the interest rate would be around 15.5%. The payment term would have been 10 years and total payments would end up being $168k.

Predatory lenders and financial illiteracy; a perfect match made in hell.

I typed in the url and… yeah, that was A LOT of boobs and butts.

Came back here to see that I mistyped the url. Doubling the “O” results in many boobs and butts.

Are you logged in? It appears you can go to the privacy settings page and set some (not all) settings without being logged in.

Thanks. I just went and disabled it. I also found that they had “products and services notifications” turned on. I know I attempted to disable all advertising and monitoring stuff shortly after I signed up, but I can’t say for sure whether I had missed this section at that time or if they kindly turned it on for me between then and now.

Even accepting the premise that this inheritance is indivisible, their jobs are far from the most important factor.