u/siddsp

Is taking on risk necessarily trying to buy lottery tickets? The nature of the risk one is taking on matters. As an example, investing in index funds is risky as returns aren't guaranteed, however it's not the same as gambling.

If you have friends from other universities, administration will hire a hitman to kill you.

Unfortunately, regardless of how financially responsible it is, the guy is still expected to pay. That adds up Even for cheaper dates. Even if the girl is financially responsible, and you don't want to pay for a dinner date, she'll move on with other options and just go for someone who will.

Then your net interest rate would be 4.8%. Now you need almost a ~8% nominal market return just to break even.

No, you don't. If your effective cost of borrowing is 4.8%, then you need 4.8% to break even.

Right, but even if it's variable, the interest itself is effectively discounted and therefore partially protected from interest rate spikes. If your marginal tax rate is 40%, and interest rates go up by 4%, your effective cost of borrowing only goes up by 2.4%.

Leverage changes the rate at which your portfolio compounds. It depends on how much you leverage rather than leverage/margin being "too risky".

How? Borrowing to invest can be a perfectly reasonable decision, although it carries risks. I don't agree with investing into sector trends, but a globally diversified index fund makes sense at 3.95% and with tax deductiblity.

I'm not going to lie, that some of the most stupid nonsense I've read in a while lmfao. It's genuinely concerning that there are people setting off in to this world with this level of bizarre delusion...

Not an argument.

No, women aren't suddenly washed up when they turn 30. No, they don't stop making an effort with their appearance. They also aren't broke in their 30's unlike in their early 20's.

I never said this has to do with women in particular. You're choosing to make it gendered. The OP of the original post just happens to be male.

People in general do put on weight as they get older, and generally don't look as good. This isn't really controversial.

Relationship experience is a good thing, not a bad thing. It means they have experience learning how to actually co-exist with another person.

There's a difference between having relationship experience and being jaded from past relationships. I'm not equating the two.

No, the vast majority aren't divorced with kids haha.

I never said that that's the vast majority, but only that it's significantly more common.

The vast majority of women I know hit the gym, dress nice and have decent careers.

Your personal experience isn't representative of the general population.

My guy, I'll be real with you: If you set your standards at a 10, and you're a 4, and you want to chemically castrate yourself because you think you're better than dating someone that looks like you, you probably need some professional help.

This is reaching. Someone wanting to date someone of a certain level of attractiveness isn't the same as them believing they're too good to date someone "on their level". Just because you want to date someone conventionally attractive, it doesn't mean you're full of yourself or look down on someone who is the same level of attractiveness as you.

There is so much more to a person than how they look.

Nobody is arguing that there isn't, but physical attraction is definitely important for lots of people.

Life isn't happening to you, you're an active participant, and it's on you to present yourself in a way that is attractive to other people.

Nobody is saying that you shouldn't work on making yourself more attractive if you want to pursue dating.

It's all well and good talking about the standards you'd hold other people to, but what are the ones you hold yourself to?

This isn't really about me. I'm simply talking about how dating is for people in their 30s.

If you fail repeatedly, maybe some actual self-reflection and change is in order.

It could be, but luck also plays a big role in dating. Much more than people would like to assume. We don't automatically think that all rich and successful people only worked hard, right? The same logic and reasoning should apply to dating. It can be but isn't necessarily a reflection on ones self just because they haven't had success in dating.

You get out what you put in.

Not always true.

Just eat Taco Bell before the class, attach a funnel to your butthole, and attach a tube to the funnel that runs back into your mouth