lost-ark-discussions

[loud vortex]

u put money into it first, then pay

[pine imp]

idk what my credit score was

like 800 or something

idk i g2 check my fico nonsense

[cyan fog]

you cant put moni into credit card hello

[queen grail]

an Ok key but man 3 blackjumps are ass

[slow saddle]

if you treat it like a debit card, you do not let your credit score build fully to 850

[loud vortex]

You can

[queen grail]

where is gold!

[loud vortex]

unless ur bank has some problem

[slow saddle]

because the credit bureaus report your balances and utilization upon each cycle

[pine imp]

you can ur credit card be - money

[slow saddle]

if you pay off your card prior to when it gets reported, it shows 0 utilization of your card

[loud vortex]

bruh

[slow saddle]

which eventually means you dont gain more credit score and some cards will close down

[cyan fog]

yea but you need to baseline spent from the cc to be able to put money in it

[mystic sphinx]

you can

[slow saddle]

thats why people cant hit a perfect 850 score, they end up with 750-800

[loud vortex]

I dunno about credit score

[sand marsh]

my fico score is like 790

[slow saddle]

you cant...

[loud vortex]

like

[mystic sphinx]

you can

[sand marsh]

but my credit history isnt long

[mystic sphinx]

thats how i bought my pc

my limit wasnt enough

i added money on my credit card

[loud vortex]

99% ppl in china don't have credit card

[cyan fog]

one offs and small amounts are permitted

[pine imp]

yea they don't have a credit card they have credit life

[slow saddle]

no major credit card company, at least in the US, works in a way where you put money onto a credit card

You're not understanding how it works

The reason you're able to do that is because you dont have an unsecured line of credit

thats called a secured credit card

you're paying THEM because they think you dont have means to pay

[loud vortex]

[slow saddle]

so you need to put a deposit on the card

to allow u to spend more on the card

it means your credit isnt established nor trusted

thats why

[mystic sphinx]

not how it works here

[loud vortex]

but why i need to spend more on that card?

[slow saddle]

what we're talking about is an unsecured credit card
not a secured one

[mystic sphinx]

you can always add money onto your credit card

[slow saddle]

you can add money for a secured CC

its not ideal

[mystic sphinx]

and if you spend the added money u dont get debt

[swift magnet]

someone has jail paranoia in hm

[cyan fog]

ye but you dont go above 0 balance without potentially running into issues

thats not how credit cards work

[loud vortex]

as long as the remaining money on card is more than the money I'm going to pay

Then credit limit is useless

[slow saddle]

credit cards are designed to be in a way to give you a buffer and give you rewards alongside build more trust to gain more loans

the mentality is flopped

[pine imp]

I mean u always go higher CP anyways since if something goes wrong u can continue with 2

[slow saddle]

if that was the case, u just use a debit card....?

[cyan fog]

credit score mental is the same

[slow saddle]

[loud vortex]

debit card can't auto pay some stuff

like steam

[cyan fog]

u cant have a good credit score in the UK without first requiring some debts

[slow saddle]

it can if your debit card is treated like a credit card

steam doesnt know if its a debit or credit card

its a card

its your bank that will block charges

[loud vortex]

[slow saddle]

which you use your debit card to access

[pine imp]

I mean why are we comparing diff countries banking systems

[slow saddle]

idk, good question

sounds like they're more restricted than the US

[cyan fog]

its general financial practice country shouldnt matter too much

[slow saddle]

but in the end, its just basics of credit 101

[loud vortex]

just diff lifestyle

[slow saddle]

you build credit to have more leverage for trust and investments

no one is saying you cant just live according to your means

thats just not realistic in this world anymore

[loud vortex]

I do never use loan or borrow money, so... credit? what is that?

[cyan fog]

idk but if i stick a grand into my CC when its at 0 you can bet im getting contacted very soon

[loud vortex]

[slow saddle]

you dont straight up buy a house or car with cash unless you're balling

or cheap

or willing to wait till old age to enjoy life

[mystic sphinx]

i told my bank i dont want a credit card when they first gave me one

2 years later im in 3k usd debt and i will probably go to jail for not paying

[slow saddle]

the rich get richer because they can take out loans/investments to make more money and write things off as business expenses

[pine imp]

I mean it doesn't matter what u have as long as you don't go into negatives

nothing happens

all these companies

[cyan fog]

a credit card is exactly that, a loan from the bank in good faith

[pine imp]

make money off of ppl who are lazy and forget

[cyan fog]

the bank is saying here, have our money because we trust that you can pay it back

[pine imp]

thats how they make money

[slow saddle]

even if u go into negatives, you dont get thrown in jail

[loud vortex]

I just need the credit card for easy autopay

[pine imp]

they don't make money off of ppl who just pay off their shet and they can't collect fees or interest

[golden slate]

Crypto bros barely go to jail for stealing 250m

[mystic sphinx]

idk they sent my home a paper with all my debt

idk whats gonna happen next

i didnt read

[slow saddle]

and you never thought about you now

[golden slate]

Debt collectors calling u

[slow saddle]

reading?

[cyan fog]

you shoulda closed the account immediately

[slow saddle]

doing research?

[mystic sphinx]

i dont care

[slow saddle]

ofc you dont

[cyan fog]

its also illegal to give people cc's here without permission

[pine imp]

debt collectors

hang up on them

[slow saddle]

so why comment about how the credit system works if you have 0 clue

[mystic sphinx]

someone in my family will pay it

[slow saddle]

this mfer thinks going into debt means theyll get locked up, so they dont want a CC

[golden slate]

L take

[mystic sphinx]

i only spend

[slow saddle]

[cyan fog]

i wish i had that luxury

[slow saddle]

same

[mystic sphinx]

because i know how it works

[slow saddle]

you're pampered

is all im hearing

[mystic sphinx]

youre the one comparing countries

not me

[golden slate]

I’m pampered

[loud vortex]

The problem is, that doordash, ubereats, panda and some other stuff only charges credit card

[slow saddle]

the day you want to work towards a house, family, car, etc, thats where credit becomes important

[loud vortex]

U can't even use debit card

[sand marsh]

Just open up a bunch of credit cards, max them out. Then file bankruptcy. Infinite money glitch! Easy way for anyone to whale in Lost Ark.

[slow saddle]

LOL

[golden slate]

Thank you I like “infinite money glitches”

[loud vortex]

not cars

[cyan fog]

????

[loud vortex]

who tf borrow money for a car? unless it's some luxury like Rolls-Royce

[cyan fog]

in what backwards water do you live in kekw

[pine imp]

I mean

there are 100k+ cars

[sand marsh]

Your joking right?........

[pine imp]

I had to for my 100k+ one

[loud vortex]

ye that's different

[slow saddle]

mostly everyone does in the US if you want a nice car

[sand marsh]

95% of people pay off cars each month via a loan.....

[slow saddle]

you can buy a cheap $5k-$10k car with cash

or save up

no problem

[loud vortex]

I payed my car upfront with cash

[cyan fog]

it means you are fortunate

or the car was cheap

[pine imp]

I mean yea all depends on the car

[cyan fog]

i for sure didnt pay for mine with cash

[slow saddle]

but you're not at a loss if you can get a nice car, pay it monthly, with no interest or low interest

[loud vortex]

I save money first, then buy

[sand marsh]

That's like saying "who tf borrows money for a house, just pay it all off at a single time"

[pine imp]

u can pay off a used car that is $3k

[loud vortex]

that's it

[pine imp]

[sand marsh]

Most people in the country pay off a car each month

[loud vortex]

bruh

[sand marsh]

Not pay it off in one lump sum

do you live in the US? xdd

[loud vortex]

completely different lifestyle then

[slow saddle]

you mean we get to enjoy something sooner and not be at a loss?!

[pine imp]

I mean lifestyle diff

[slow saddle]

yeah our lifestyle is enjoying life and its luxuries

[sand marsh]

It's not a "lifestyle". You just don't know how these things work man....

[cyan fog]

my friend actually tried to buy houses and was getting outbid by people offering full cash price

[worldly hawk]

correction : a very large amount of people pay of things every month, that's how banks make their money

it's not just cars it's literally everything

[slow saddle]

im not gonna frown upon people who want to save money and buy things in full, great that you can do that

Realistically, most people dont if you want nice things

If you have lower standards, thats also fine

[pine imp]

its everything u can't afford on day 1

[sand marsh]

Well there's nothing wrong with doing this. He makes it sound like if you don't drop an entire 10-20k on a car immediately, your doing it wrong

[pine imp]

[sand marsh]

No one is out here dropping 300k on a home and paying it off at a single time

[slow saddle]

but realistically, people dont get the means to even save a lot to hit that point

[worldly hawk]

we depending on how you finance it yes

[sand marsh]

You borrow... and pay....

[loud vortex]

Why enjoy something if you cannot even afford?

[sand marsh]

on a 10-year term

20-year term

etc

[slow saddle]

imagine you're 18 and need a car to travel for work, what you going to do?

[worldly hawk]

and pay 2-3x what the car is worth

[slow saddle]

not work?

[cyan fog]

maybe i need to travel for work and i need a car

[slow saddle]

[sand marsh]

Nah your crazy as hell

[cyan fog]

but i cant afford to drop 20k on one

[pine imp]

thats the whole pt u can enjoy everything and suffer later

[sand marsh]

if everyone followed this logic no one would be a homeowner

[mystic sphinx]

being able to save and buy it in one go is wealth tbh

[sand marsh]

pls stop

[slow saddle]

it isnt tho, please stop LMAO

[sand marsh]

"you dont have 300k to pay off a home immediately, that means you cant afford it!"

[mystic sphinx]

it is

[loud vortex]

live near workplace, ofc

[slow saddle]

thats a giga luxury to even be able to save towards something without needing it

[loud vortex]

[slow saddle]

yeah, jobs are everywhere

get whatevr u want

[pine imp]

I mean when u get older u can prob do that

[slow saddle]

surely thats how life works

[mystic sphinx]

why worry about paying debt every month if you can save up to buy it in one go

[loud vortex]

Then that's basically what family comes to play

[pine imp]

but not when u like in ur 20s

[slow saddle]

its called an investment, not debt

[cyan fog]

because thats not how life works

[mystic sphinx]

im not native

[cyan fog]

you should know that with 3k usd in debt

[mystic sphinx]

idk the words bro

[slow saddle]

serious question zyla, what responsibilities do you have? is there anything you pay for?

[sand marsh]

Incase you don't know how homes work.... look up the word Equity

then thank me later

[pine imp]

I mean we don't know how it works in CN

i wouldn't just jump the gun on zyla

[mystic sphinx]

mom's financial stability depends on me

[pine imp]

[mystic sphinx]

?

[cyan fog]

zyla is not china

zyra is china

[slow saddle]

i dont either, so im asking

[cyan fog]

get it right nerds

[loud vortex]

what I said, it is the main lifestyle of 90% Chinese

[pine imp]

also living conditions and stuff is heaps diff

[loud vortex]

even Korean and Japanese

[pine imp]

culture diff

[slow saddle]

im trying to understand what type of situation allows for such a diff lifestyle

[loud vortex]

we save first, then we pay

we don't borrow

[sand marsh]

I promise you that 90% of asians are not saving up an entire 500k+ to pay off a home in one go.

[mystic sphinx]

same

[pine imp]

kinda hard to explain everything

[sand marsh]

that sounds fucking stupid

[pine imp]

prob best to watch asian culture documentary

[cyan fog]

i promise you 90% of asians are not doing this in asia- American male

[charred void]

[mystic sphinx]

if i can save and buy it in one payment, i wont borrow anything from anyone and worry about that every month payment

[loud vortex]

It's a cultural thing

[slow saddle]

we have to borrow a lot in the US because things arent cheap and we dont really have generational wealth to sit on

When u dont have a house handed to you or jobs lined up or someone taking care of you, its a lot harder to 'start' life

[loud vortex]

no kidding

[sand marsh]

Never met an asian person who does this and I know a lot of asians

[pine imp]

I mean asian in NA?

or asian in EAST asia?

[sand marsh]

no

[pine imp]

[slow saddle]

i wonder if thats why asian cultures also seek wealthy spouses LOL

you want to marry? give me your resume

of your riches

[cyan fog]

it depends on way too many circumstances

[pine imp]

also depends on what bracket you are just like in NA

[loud vortex]

yes

like

[cyan fog]

what zyra says is in fact the ideal situation

save up then buy something straight up

[loud vortex]

it's a disaster now

[cyan fog]

but thats not realistic

[pine imp]

if you talk about wealthy asian ppl they live almost like NA over there

so thats not even a comparison

[worldly hawk]

*for most people

[sand marsh]

It is not ideal to save up hundreds and thousands of dollars to pay off the entirety of a mortgage in one go before buying a home.

[slow saddle]

yeah that i agree with

I wasnt bashing them over it, i was trying to understand it in comparison to how it is for the west

[sand marsh]

Not even rich people do this

[cyan fog]

rich people just buy the house wdym

[pine imp]

idk go look up CN house prices

do they even live in houses or aparts?

[sand marsh]

No. They let the debt pay it off themselves

[slow saddle]

but the thing is, its what deathboi said

even rich folks dont do that, because its better to have a collateral

[charred void]

wish i had some 🛢️ barrels so i could attract hot asian women near my area

[pine imp]

whats more common

[worldly hawk]

no they don't

[loud vortex]

Usually we have a thing called ''family bond'' like a real bond

[worldly hawk]

they buy the house and refinance it to buy more

[loud vortex]

so parents will buy the house for children

[pine imp]

legit the entire azn culture is live with family

until u ded

[sand marsh]

tax loop holes as well with this

[cyan fog]

so they...buy the house

[pine imp]

doesnt matter

[sand marsh]

its called Section something. I forgot

[loud vortex]

and children shall be very nice and grateful to parents

and we do this every generation

[cyan fog]

in india they live with 20 other people in the same box home

[loud vortex]

hard to explain

[cyan fog]

you talk across walls that cannot be passed tbh

[slow saddle]

debts get paid off or written off on their own when a situation gets bad, thats why its better to put things into a business, on a loan, etc

Its the same as the difference between buying with cash vs credit

If you buy with cash and something goes wrong, gl
if you buy with credit, you're protected and have your backup cash

[pine imp]

not really hard to explain

ur parents are ur gods

[loud vortex]

but like a heirloom-like thingy

[pine imp]

thats just what it is

[slow saddle]

thats how it is for my household too

but its not realistic

sadly

[mystic sphinx]

idk how zyra lives, but i live with my mom and most of the time when my brothers are pieces of dogshits i take care of the house needs, giving her money, paying bills when she cant etc, when i want to buy something i dont borrow i buy it after i have the money idk how this lifestyle of saving to pay in full causes such arguments

[loud vortex]

And we will do this to our children

[pine imp]

not realistic

it is real over there

[loud vortex]

and pass it to every further generation

[cyan fog]

and what would you do if you desperately needed x y z and didnt have the cash to buy it straight up ?

[slow saddle]

i have immigrant parents where im a first born child in the US

They dont have established riches or wealth to pass onto me, despite working towards it

my father could pass away at any time, theres not much he can give back

i know when i have my kids, ill be able to give them more to start our generational wealth

[pine imp]

I don't think anything is a need that would even go that high

[mystic sphinx]

desperately needed a what, theres nothing im gonna need that severely

[slow saddle]

but to breed them in a way of gratefulness and building culture, not to be deadbeats and suck off of generational wealth like bums

[loud vortex]

It is collapsing

[cyan fog]

surgery, a new home, a new car, w/e it may be

[loud vortex]

but we don't have house in city or town

[slow saddle]

emergencies and life just hits you

[loud vortex]

only rural area

[cyan fog]

oh shit i dont have 100k to blow on an apartment guess i just go without

[slow saddle]

thats why cash is king and savings is important

[mystic sphinx]

there are so little situations where i would take a loan or borrow from people

[pine imp]

100k apartment

[slow saddle]

we dont get to just save up and buy a house, you dont wait while homeless

[mystic sphinx]

which is to no-ones surprise would be payments related to health issues

[pine imp]

I mean asians all live with established homes already

[loud vortex]

our parents buy the apartment and car for us, and we obey them

[cyan fog]

thats around the range im looking at atm ngl

[pine imp]

there isn't a need to go out and buy a home

just to do it

[loud vortex]

that's how asian culture is like

[pine imp]

I think thats the pt u guys dont get

living with parents till u are dead isn't a weird thing

over there

so home isn't an issue

[cyan fog]

its starting to get less and less weird over here

[pine imp]

car?

[cyan fog]

with house prices

[pine imp]

what car u need 10 cars?

[slow saddle]

it isnt here either unless you're from a certain race

Its a culture thing for sure

[ebon snow]

Yeah its our broken culture that makes families separate

[slow saddle]

like here, we dont leave the nest until you're married

[loud vortex]

and I will save up for my children in the future, and buy same things for them, and they need to follow me

[slow saddle]

at least in my household

[loud vortex]

or my future husband

[slow saddle]

and even then after marriage, we look for family homes and so on

[pine imp]

like NA has 0 respect vs asian cultures who build respect

[cyan fog]

thats kinda crazy that your parents just buy your house for you

[slow saddle]

its only western culture that ive seen people get kicked out at 18 or you're left to fend on your own

[pine imp]

granted I can't speak for anything else tbh

[cyan fog]

thats some shit

[pine imp]

thats like a normal thing for asian cultures

[slow saddle]

yeah it is

[pine imp]

but ur life is forfeit to them

[loud vortex]

but that's how our culture works

[pine imp]

so doesn't matter

[cyan fog]

most families in the west do NOT have that kinda cash lying around

ngl

[mystic sphinx]

just get A+ in math

[slow saddle]

pros and cons to it

[cyan fog]

i got an A and an A+ in both my maths

[slow saddle]

some folks dont like that culture because you arent a slave to your parents

[mystic sphinx]

A is trash

[slow saddle]

love isnt supposed to be transactional

[loud vortex]

''u get A-? I'll smack ur ass!''

[pine imp]

I mean pick and choose what you like

[mystic sphinx]

A+ is the deal

[pine imp]

[loud vortex]

[pine imp]

also asian parents hold all the money hostage

[mystic sphinx]

you aim for the peak of yourself lah

[pine imp]

so when u leave u are left with absolutely nothing

so GL

[slow saddle]

i know a lot of kids thatll want to get out of their household cus their parents are too controlling

[loud vortex]

ye

[cyan fog]

thats also very prevalent in the west

[slow saddle]

get yelled at when you're older, controlling when you can and cant do things, what job you should get, who you can be with, etc

[cyan fog]

but thats freedummmms culture diff

[slow saddle]

money, etc

yeah

welcome to freedom

[cyan fog]

i was the exact same

[loud vortex]

those are pretty normal in asian families

[cyan fog]

then i went back to live with my parents at 25 keko

[slow saddle]

we have a hybrid dynamic when it comes to freedom but holding our traditions here

[mystic sphinx]

its understandable that parents want their kids to live how they want them to, but again we arent in 1923 let me live my fucking life myself

[slow saddle]

like i still live with my parents, i recently got married earlier this year, working on getting my wife a larger house where we can 'all' live

dad and I handle all the bills

we chip in together

makes life easy

gave me an opportunity to save, grow, etc

[cyan fog]

thats kinda the kicker

[charred void]

big yacht it is

[loud vortex]

we are just too traditional

[slow saddle]

i dont have to worry about things like food, mom cooks daily

[loud vortex]

[cyan fog]

if you leave the house early you have very little opportunity to save enough

[pine imp]

nah

[cyan fog]

unless you're ballin

[sand marsh]

I'd love to live by myself but I have a mom that acts like a teenager and I have to take care of her

[pine imp]

I don't wanna live with parents

[slow saddle]

yeah

[pine imp]

that would subtract years of my life

[slow saddle]

you do what you can is all it is

take advantage when you have the flexibility to grow

[cyan fog]

and what is within your means kinda

[mystic sphinx]

its slowly becoming life advice chat

[slow saddle]

the day you have to take on your own family, place of living, etc, is when life gets really tough

[cyan fog]

but thats why western culture of how they raise their kids is dogshit

[sand marsh]

She is doing everything I did as a teenager. Smokes weed, wants to go to concerts and stuff, etc.
She didn't do any to this when I was a teenager. But now the roles are reversed

[pine imp]

idk all over credit line

[slow saddle]

i agree

100%

[sand marsh]

Very ironic

[pine imp]

and your spending in LA

[sand marsh]

[cyan fog]

if they taught you about actual life stuff instead of like

"go to bed at x" or "dont stay too late" or w/e

it would be pog

[mystic sphinx]

EAT YOUR GREENS

[pine imp]

I mean at the end of the day everyone is in the same boat when it comes to live within society

[slow saddle]

my mom did all her housewife duties when she was taking care of my little brother and I

Now she's older and has more freedom but still loves doing stuff for everyone, but gets her own time and so on

[cyan fog]

some people's boats are lamborghini yachts while some are little dingies

it is not quite the same

[pine imp]

I mean some can go without yachts

not like u live on it

[slow saddle]

i been through a shit ton growing up so i kinda saw all of it

being from a poor family to being established

ups and downs

gotta do what u can and not be wasteful at life

[cyan fog]

imagine if your parents paid your university fees holy fuck

get me an asian sugardaddy right meow

[pine imp]

why have parents pay

have govt pay

[loud vortex]

[loud vortex]

wdym

[slow saddle]

i wish my parents couldve done that

i skipped college cus there was no money

[cyan fog]

if you come to study in a top UK university for 4 years as a foreign student you are paying obscene price

[loud vortex]

that's basically the responsibility of asian parents

[cyan fog]

like 150-200k

[loud vortex]

[pine imp]

why even go to school

just be smart 4head

[slow saddle]

had to work before taking on studies and even then, i skipped over it to pursue certs/experience after working

[queen grail]

[loud vortex]

if they don't pay ur tuition fee if u get a good offer, other relatives will curse them

[slow saddle]

its not realistic when kids are going into giga debt these days for school

[loud vortex]

[slow saddle]

puts u in the gutter even after u land a career after school

[long laurel]

just america

[cyan fog]

america university fees are like disgusting tho ye

[loud vortex]

ah tru

[slow saddle]

take a while to even rebuild or get a house or start a family/etc

[loud vortex]

expensive af

[cyan fog]

real countries dont put their 20 year olds in 300k debt fresh out of school

[queen grail]

Just don't have kids

[cyan fog]

and thats on god

[slow saddle]

its fine if you go to in-state college and do 2 years of community college

if you plan your education properly in the US, its like $40k for 4 years and a lot of that is taken care of by govt grants and support

[mystic sphinx]

why dont your parents pay your school tho, i thought they wanted you to study in the best place ever

[slow saddle]

because our parents arent rich to do that

[cyan fog]

my parents couldnt afford it

gg i guess

[sand marsh]

I wouldnt want to hand off my student loan debt to my parents

[mystic sphinx]

are they not paying ANYTHING or are they helping in bits?

[slow saddle]

its not that they dont want to do that, its not easy is all

[sand marsh]

they already paid a massive amount of money for me simply existing all the way up to that point

[loud vortex]

basically because us university tuition fee are high af

[slow saddle]

if your parents are already paying for your food, clothes, shelter, etc, even if school was cheap, it doesnt mean they have the means to pay for your school

[cyan fog]

they didnt pay anything towards it besides letting me live at home for free which is plenty

[loud vortex]

more than 10x of some decent asian universities

[slow saddle]

and its not like parents DONT want to help, its that they CANT

[queen grail]

That's just part of becoming a Parent tho, when you decide to have a Kid you give up the "you" in your life, It's not your life anymore, It's you and your kids life

[cyan fog]

also i was 25 when i went back to uni though

my mom was like "yea stupidass go pay yourself now that youre old"

[loud vortex]

yep, exactly

[cyan fog]

[mystic sphinx]

ah so its just so expensive they cant do it

[slow saddle]

and if we're being realistic, culture impacts who is working and who doesnt...

[loud vortex]

It's like taking a huge responsibility

[slow saddle]

esp asian cultures

[mystic sphinx]

here parents adjust their own life to help their kids instead

[cyan fog]

my parents are in enough debt without having to pay 40k for my university ty

[slow saddle]

you can only do so much adjusting before you're homeless

[cyan fog]

i wouldnt really want that either

[mystic sphinx]

paying school or finding a house if school is outside the living place

[loud vortex]

just, don't do credit card thingy in loa

if u don't have gold to buy grudge, go to raid and earn gold

[queen grail]

My dad visited me one day when I was younger and saw a big bill from a school that I haden't paid yet, he just took it, paid, said nothing, 10 year's later he mentioned it in passing, I was like, ohh, that's where It vanished.

[mystic sphinx]

GSFP wont buy themselves

[slow saddle]

there were times growing up when my dad made sacrifices to even buy clothes for my little brother and I for school, or even letting us eat out every once in a while

[mystic sphinx]

also i just hit 10k

[queen grail]

[slow saddle]

so much sacrifices that i didnt get to see until i was older

it made me sad

[loud vortex]

u have 3 sets already

[mystic sphinx]

halfway there

[loud vortex]

[pine imp]

ive already seen everything I want in life

[cyan fog]

anime titties

[long laurel]

so what now

[cyan fog]

🧠

[mystic sphinx]

not enough

[pine imp]

just degen gaming like I have been doing past 15 years

[mystic sphinx]

also 2

[long laurel]

😭

[slow saddle]

same

[long laurel]

but i feel you

[slow saddle]

[queen grail]

Not me, my life long goal is to travel a lot, I've been to around 15-20 countries so far Goal is 60+

[slow saddle]

in my 20s, my eyes were a lot bigger than they were now

times changed

[cyan fog]

america culture tho

[loud vortex]

[cyan fog]

then you get slapped down and your soul sucked out

[slow saddle]

i have a family i need to focus on and a simpler lifestyle

[pine imp]

I mean most of them are mostly the same and honestly being harrassed sometimes made travelling such a drag

[queen grail]

[pine imp]

scamming etc is such a pain in the ass tbh

[slow saddle]

i even gave up my car a few years ago, dont need it and need think of something more family friendly and so on

[pine imp]

ive been to places where I freeze to death

[mystic sphinx]

be a small and happy human

[pine imp]

where I was on a toilet for days

[queen grail]

Being harrassed? What's that? I traveled for a month accross Europe and only meet nice people,

[pine imp]

and places where I couldn't stop itching myself

[cyan fog]

give up your 12gs and you can buy new car gg

[pine imp]

[cyan fog]

[slow saddle]

ill ask the wife

[loud vortex]

good parent mirra

[pine imp]

depends on where u go mostly like heavy tourist places are pretty garbo

but friends wanna go so w/e

[long laurel]

would you give up ur lost ark account to spend more time with em 🤔

[sand marsh]

oh yeah for sure, but if i was going to college i'd want to be responsible for that. not my parents

i just have a different outlook on things i guess.

[queen grail]

I mean, I was in Paris, a place everyone complained about, and manwhile I just had a blast, everyone was helpful and tried to give direction or communicate in English when my French was pepega.

[slow saddle]

ofc

[cyan fog]

you also shouldnt be expected to give up the "you" in your life forever

like bro why u paying for your adult ass kid when youre pushing 55-60

[loud vortex]

culture diff is huge among east and west

[cyan fog]

somethings wrong there

[pine imp]

I was in paris when i was like 12

[slow saddle]

video games is just a chill distraction until more responsibilities kick in

it doesnt mean i need to curb my hobbies, it just means moderation

[pine imp]

so prob can't compare to what it is now

[mystic sphinx]

oh theyre handing out free reskin tickets to Valk players

if you ask

[long laurel]

moderation my ass i saw ur roster

[slow saddle]

yeah but i have the means

[mystic sphinx]

instead of fixing the issue

lmao

[slow saddle]

theres a difference

[sand marsh]

video games can become your responsibility. just become a streamer and perform tax write offs for all the swiping

you got this mirra

[slow saddle]

LOL

[loud vortex]

what issue

[queen grail]

Moderation, from the guy with 500k Prestig?

[mystic sphinx]

voice

[slow saddle]

yeah my moderation is different than others

idk what to say

[pine imp]

think why i don't wanna travel anymore is cos my < 21 years were in EU + asia and > 21 years in NA

[slow saddle]

[loud vortex]

oof

[pine imp]

so ive been like everywhere

[cyan fog]

but even if i change voice its still gonna be dogshit

[sand marsh]

His swiping is probably less than 5% of his net income

just a diff reality he lives in vs most lol

[queen grail]

If 500k Prestige is moderation I wonder what you mean when you say a Modest car, a Lamborghini?

[cyan fog]

he also did say hes living with parents

[long laurel]

and what place you like the most ?

[loud vortex]

I only wanted to go Japan once, but don't have chance

[cyan fog]

there are certain benefits that come with that

[loud vortex]

[pine imp]

my facking master bedroom house

[cyan fog]

i.e. you can swipe more on lost ark

[pine imp]

[cyan fog]

[queen grail]

Ye, why would you live with Parents if you're in essence a millionair Maybe it's just different there than here.

[slow saddle]

i was going to buy a lotus emira last year but i stopped myself cus marriage was coming up

[sand marsh]

considering his income, he is probably taking care of his parents

[slow saddle]

and my wife is fine with having like 3-4 kids

plus im taking care of my parents

so i know my boundaries for things like that

[worldly hawk]

having kids in this economy

[sand marsh]

I would hope anyone who is that financially well off, would allow there parents to stop working and you take care of them.

[worldly hawk]

[slow saddle]

i know whats luxury vs what isnt

[sand marsh]

I do that currently and I'm far from the top class.

[cyan fog]

i mean

[pine imp]

I prob want to eventually go to a country side forest greeny area when I retire and be away from society

[covert remnant]

adopt me mirra, i can run your dailies for u

[cyan fog]

if youre on 500k salary a year surely you buy a home immediately

[pine imp]

either in EU or in NA

raise chikons

[cyan fog]

taking care of parents can be done without living there

[queen grail]

Brotherman, as I said It might be cultural, but If my kid well into his 20's/30's was living still at home and then buying a car for 200k$ I might kick him in the butt

[loud vortex]

what is chikon?

[sand marsh]

people actually pay for that. i know 2 high-end players who pay ppl to do there dailies

[cyan fog]

idk that seems fucked imo

[slow saddle]

right now, my mom doesnt have to work at all, nor does my little brother

my little brother has a*tism and fully diagnosed, i dont want him to deal with life without having a buffer to depend on

[long laurel]

same

[mystic sphinx]

whats an ideal cp for 1805 ilvl

[loud vortex]

8k ofc

[slow saddle]

my dad is 61, he has to retire soon but i cant stop him unfortuntely

[sand marsh]

yeah as i suspected, while you live with your parents, you are taking care of them.

[covert remnant]

7k

[mystic sphinx]

8k?

rat detected

[sand marsh]

any reasonable person would do that imo

[slow saddle]

best i can do is keep focusing on studies, more certs, and work towards a family home where everyone is close OR buy another home thats nearby

im not fond of being away from the people who helped me and they need my help

[cyan fog]

if you have the means to do that more power to you fella

[slow saddle]

id be ungrately as shit knowing how my parents raised me and took care of me, didnt kick me out, and i took as much advantage to build myself up

[queen grail]

Might be cultural as I've said, but I'd venture a bit out on a limb and say most reasonable people here that was well off and married with plans of a family would buy their own place while still taking care of parents in what way they could

At some points the chick gotta fly the coop

[long laurel]

thats not normal in america it looks like

[slow saddle]

and yes i still butt heads with my dad and argue like a teenager but all of that is nothing compared to the big picture things

[long laurel]

you from NA right ?

[sand marsh]

well not everyone wants to get married and have kids. even if they are well off

[slow saddle]

yeah because we're part asian but livein the US

[long laurel]

ok asian is diffrent

[slow saddle]

we dont throw out our culture

we assimilate it

[queen grail]

He is already married

[pine imp]

nah no kids for me

[long laurel]

they dont let you leave till you married

[pine imp]

[cyan fog]

i wouldnt think it's the norm for people to want to live with their parents at 35-40+ tho

[loud vortex]

wait u asian too?

[sand marsh]

Not if you are taking care of them

[slow saddle]

im half

[cyan fog]

if they have the means to live somewhere with a wife and kids then your parents house is probs not the place to do it

[mystic sphinx]

ive met ppl that judged me because i help my mother after my father's pass

[slow saddle]

the other half is caribbean

[cyan fog]

taking care physically or financially tho

[queen grail]

You can do that, from the house down the street,

[cyan fog]

financially can be done from anywhere

[slow saddle]

dw i still get judged

i get hit with the

"why do you still live with your parents?"

[sand marsh]

why have them buy another home. thats un-necessary spending

[queen grail]

Unless they need help getting out of bed and he's a caretaker too, maybe he is.

[queen grail]

[slow saddle]

its my house that they live in? i help be a caretaker for my brother, i help take care of mom and my dad works, we both chip in

so i never care what other ppl say

[mystic sphinx]

i said the same thing you did, "my mother raised and took care of me, its time i return the favor back"
but nah im not supposed to do anything for her apparently

[slow saddle]

about living with parents

[sand marsh]

yeah

a lot of ppl frown on it and idk why tbh

[loud vortex]

cultural diff hits

[cyan fog]

did you buy the house and they live with you or?

[slow saddle]

i bought it

its in my name

i rennovated it

[cyan fog]

then that is completely different

[slow saddle]

i cut our bills from what my dad used to pay in an apartment

[cyan fog]

your parents live with you, by choice

its not you living with your parents

those are different things keko

[slow saddle]

its their choice but i also will never kick them out

[cyan fog]

of course

[loud vortex]

time to pick flowers agian

[slow saddle]

i rather move than say "this is my house"

[sand marsh]

Yeah same situation as me except I didn't renovate it. It came renovated, to a degree. I wasn't gonna leave my mom behind to stay in a shitty apartment

[loud vortex]

[slow saddle]

like i said, i recently got married, i have my wife coming soon, and this place is a bit small considering future kids as well

So either I get a large place or separate

and my dad is getting old

he wants to be around grandkids

so he wants to chip in

i have no issues with that

houses in the US is giga expensive

[long laurel]

just buy the house next door

[slow saddle]

you can find large family homes with separate living quarters

it works out fine

anyways to circle back, i think theres nothing wrong culturally

[mystic sphinx]

will your kids be dedicated to your loa alts to do dailies for u

[slow saddle]

theyll be dedicated to studies and doing something substantial for the world before LA

[long laurel]

and who is getting ur account when you to old to raid

[mystic sphinx]

1 kid for each gunslinger

[cyan fog]

there is still a very important distinction between "i live with my parents i.e. in the house they bought" vs "i live with my parents in a house I bought" hihi

[long laurel]

🤔

[mystic sphinx]

youd have how many

30 kids

[slow saddle]

get that sorted out first then idc what they do for hobbies

[mystic sphinx]

om

[sand marsh]

both situations are not wrong

[cyan fog]

if youre pushing 40 it gets a bit weird on the former ngl

[slow saddle]

it is different but i dont think it ever matters in the context of having good parents imo

[cyan fog]

thats just my opinion

[loud vortex]

that's tru

[slow saddle]

i know cultures where you can be old and still be around your parents but its also diff if married and so on

it is weird if you're 40+, still single, still with parents

but it also depends on context of what you're doing in life

if you're a deadbeat, shit, id find that problematic

thats those basement dweller memes

[mystic sphinx]

my 50 yo bro lives with mom

[obtuse oyster]

context matters on that

could be out of a job and move back till you're back on you're feet, etc etc

[cyan fog]

thats not really what hes talking about tho

[slow saddle]

my uncle still lives my grandma

my grandma has depression and no one is around her except for my uncle, and he has some mental issues, so its mutual that they're around each other

[queen grail]

" i recently got married, i have my wife coming soon" Huh?

What do you mean she's coming soon?

[slow saddle]

visa

we got married in a diff country

[cyan fog]

he got fucking green card baited

[queen grail]

[cyan fog]

[long laurel]

he got her from asian per express

[queen grail]

Arranged marriage?

[obtuse oyster]

that's racist

[long laurel]

?

[slow saddle]

[long laurel]

[queen grail]

[slow saddle]

snagged me a conservative one

[queen grail]

So, you meet here while you were travlling?

[long laurel]

how did you meet ur wife

[cyan fog]

hes probably a more traditional gentleman

i feel like its hard to find a trad wife in the US rn

[slow saddle]

travelling yeah

and then parents met and so on

[sand marsh]

I don't think that is weird in my opinion. With how the housing market is, it makes more logical sense to do this.

[queen grail]

[slow saddle]

i used to do relief missions for the last 2 non-profits i was with, for field work

[queen grail]

Wait, so travel, or did your parents go "This is a cutie, say hi"

[slow saddle]

both

it started from me

[queen grail]

[cyan fog]

was it by chance in thailand

[slow saddle]

LOL

no

[loud vortex]

extremely hard imo

[slow saddle]

very hard yeah

trad matters a lot to me

[queen grail]

I've never seen marriage as something so important I'd jump into it fast, but that's just me.

[slow saddle]

culture differences

[queen grail]

[cyan fog]

giga westernised women are in fact the worst

[sand marsh]

Marriage is just a tax write-off and a piece of paper/a ring

[loud vortex]

ye tradition is a kinda heirloom to me

[sand marsh]

Nothing crazy

[long laurel]

i think its stupid tbh

[slow saddle]

we dont really do the whole dating for years just to figure out if thats the right person

Western culture kinda cooked tho so i can understand why

[long laurel]

you dont need to be married to have kids and be with someone for the rest of ur life

[queen grail]

true, if my wife don't cook my food and pop out kids I don't want it (This is a joke for context, I make my own dinner's )

[long laurel]

¯_(ツ)_/¯

[sand marsh]

yeah not to mention getting divorced costs quite a bit of money.

[long laurel]

50/50

🫡

[sand marsh]

i've never perceived marriage as a logical choice unless it's for tax write-off purposes

[slow saddle]

i can do everything myself, and im sure most people can too

but if u had an option or 50/50, i dont see why not

[long laurel]

idk about the stuff you had before the marriage

[mystic sphinx]

religion difference

[cyan fog]

US shenanigans again kekw

[long laurel]

do they count as 50/50 no right ?

[queen grail]

I mean, that's debatable, there's a lot of horrible stories from both sides of the sea when it comes to relationships and the societal outcomes.

[slow saddle]

i agree

im not generalizing it fully

[cyan fog]

it also depends on what kinda time you have

[slow saddle]

theres no 'right' answer

[cyan fog]

if youre 35 you cant really afford to date for years

[sand marsh]

if you truly love each other, you don't need to prove that with marriage. just my stance on it. if it's a want on both parties, knock yourself out. but if a divorce occurs, regret may happen

[cyan fog]

because you look at it from a only logical perspective

[sand marsh]

yeah im not an emotional person.

fair point

[slow saddle]

everyone has their own reasons

theres a lot of layers for me personally, but thats culture and religion

[queen grail]

Not to mention, there's a reason that divorce spikes after women's rights get more solidified and just.

[cyan fog]

get them back in the kitchen thats what im sayin

[sand marsh]

It's mostly due to finances. And people rushing into it.

[cyan fog]

✋

[slow saddle]

LOL

[long laurel]

how does asian marriage look like do they have a high divorce rate 🤔

[sand marsh]

Pretty low from my knowledge.

[potent dagger]

https://tenor.com/view/willsmith-fresh-prince-gif-5207996

[slow saddle]

very low

lowest actually iirc

[long laurel]

yeah i think its way diffrent than EU/NA

[queen grail]

And why do you think that?

[cyan fog]

he has asian friends

(in NA)

[queen grail]

Let's use our critial thinking cap now

[sand marsh]

Probably because they know how finances work and don't rush things.

[zenith canyon]

[slow saddle]

black > two or more races > white > hispanic > asian in terms of highest to lowest rates

[sand marsh]

Lot of stupid people on the planet

[loud vortex]

almost 0?

[cyan fog]

they teach their kids better about finances and shit

[slow saddle]

a lot of culture is baked in which leads to lower rates

[sand marsh]

Yep. Meanwhile western parents don't even know how fractions and percentages work

[queen grail]

Social pressure, social expectations, shame, dishonour, low protection towards one part of the marriage, etc etc,

[sand marsh]

Or what interest means

[long laurel]

i think if they unhappy they still stay married no ?

alot of em

i heard it but idk if its true or not

[slow saddle]

thats part of it but not the full picture

[cyan fog]

just cheat with permission

[slow saddle]

its like that convo earlier about kids

[cyan fog]

but come home and do the work

[loud vortex]

some of them

[sand marsh]

This logic doesn't extend to just asians.

[slow saddle]

you can be unhappy with your spouse but still have love for your kids to keep things together

theres no single answer

[queen grail]

Whats the point of a marriage then.

[tawny lion]

Dw Asia is catching up in divorce rate . Also it’s normalized to pay for services while married in a big portion of the cultures https://www.cnn.com/2024/09/19/business/china-divorce-business-benefit-intl-hnk

[sand marsh]

Even western society, people still stay married if unhappy sometimes, due to guilt on the childs end or because it makes more financial sense.

[tawny lion]

Appearance and family

[sand marsh]

Key word is sometimes. Not all the time.

[slow saddle]

the reasons for being unhappy likely also varies from culture to culture

[queen grail]

And then we are back to the dark side of "why" Social pressure and face.

[neon cedar]

[loud vortex]

child is the strongest bond in marriages

[slow saddle]

we were fine for 2 hours, go back to hiding!

[sand marsh]

game ded, we shifting to philosophical and culture discussions now

[long laurel]

this is important for the future of lost ark

[slow saddle]

https://giphy.com/gifs/martin-nAvSNP8Y3F94hq9Rga

[cyan fog]

i love CNN

very factual and real and true and based

[slow saddle]

YEAH

[queen grail]

"strongest enabler to stay in bad marriages while you should lave for the sake of both you and child"

I fixed it for you

[slow saddle]

how we gonna keep the divorce rates low for our classes in game? stop rerolling classes to a new meta

time to divorce the gs and embrace arcana

[queen grail]

I'm in an Asian relationship with my Wardancer, I'll never leave even if It's hard I'm loyal to the end of EOS fr fr on god.

[neon cedar]

Nah, it might be time to move along from these subjects

[sand marsh]

fair point. people who class swap due to meta-maxxing, probably do this irl with spouses

[cyan fog]

you can lie to us but you cant lie to yourself

[sand marsh]

true & real

[tawny lion]

Arcana will never be severely nerfed cuz kr arcana’s have no hands

[queen grail]

[sand marsh]

[sharp rock]

https://cdn.discordapp.com/attachments/852619895119020033/1398219739024724088/image0.gif

[queen grail]

ANOTHER BLACK JUMP

[long laurel]

arcana pumping hard that shit aint right ☝️

[loud vortex]

phuck arcana

[slow saddle]

this is the "its not so much you, as it is me" type situation

[cyan fog]

shit mods are here

[loud vortex]

It's not a class for bad players like me

[cyan fog]

everyone break

make a run for it

[loud vortex]

[cyan fog]

[potent dagger]

from top for bottom

[neon cedar]

https://tenor.com/view/punch-punch-kun-punchie-bye-byebye-gif-11712930297673076175

[slow saddle]

[cyan fog]

the weather is looking nice in...elnead today... (?)

[tawny lion]

The old days this would’ve gotten you a 1 day suspension

[queen grail]

To be fair, @wintry depot Yapp's off topic all the time Shes a bad rolemodel.

[sand marsh]

oh god

[long laurel]

i wonder if this is true i would love to see kr logs

[queen grail]

My E is starting to not work.

It's joover.

13+ year's of this keyboard.

[sand marsh]

you don't need too. just look at the history of KR players

[loud vortex]

still better than me

I can only do 400M in serca g2 on a 3500cp arcana

[neon cedar]

Here, something loa related. Go claim a free reskin ticket

[covert remnant]

pog

[cyan fog]

[covert remnant]

snatched for low

[loud vortex]

but my drizzle can do 600m-ish

[wintry depot]

Fuck you

[sand marsh]

Matt has a kind of way of saying "stop pinging me you filthy losers"

[queen grail]

can you get ticket's even if you didn't get wrong voice?

[queen grail]

WHAT THE FUCK!? ITS TRUE THO

[tawny lion]

Wild soul is free dps also

[neon cedar]

The burdens of being the only person left

[cyan fog]

hello?

[sand marsh]

thats why im convinced the game is ran by AI now

[cyan fog]

they take away the cute voice and dont bring it back ?

[slow saddle]

NAW you wont believe what i said the other day

I found out elnead had clouds and i noticed it when afk standing and the ground was moving LMAO, it was clouds....

[wintry depot]

Leave me work in peace

[neon cedar]

hell if I know. What employees do they have to verify it?

[cyan fog]

[potent dagger]

pizzle

[queen grail]

Why are you on discord if work.

[wintry depot]

W pinging, it worked

[tawny lion]

Free reskin is nice. I’ll use it another character (not valk)

[wintry depot]

Im thirsty

[loud vortex]

my summy did 650m in g1, but only 640m in g2

[sand marsh]

Then ping him a million times of fixing the game

if that works so much

[potent dagger]

its called arbeitszeitbetrug

[slow saddle]

want a can of monster?

[loud vortex]

because all teammates phucked up jg in rumble

[slow saddle]

[queen grail]

For drama? Go read further up

[queen grail]

Jokes on you, I understand 15% German

[wintry depot]

Actually never drank that

[potent dagger]

weird %

[wintry depot]

I dont need more hyperactivity tbh

[loud vortex]

isn't monser a femboy drink?

[slow saddle]

we've gone sugar free

[loud vortex]

or only the white cans

[queen grail]

I'm Norwegian, so I get some of it.

[wintry depot]

Theres a reason why i dont drink coffee

Im already hyper af

[zenith canyon]

ur just reddited to brainrot

[cyan fog]

yo this guy's discord background is his fucking gunslinger

is that nitro only or

[potent dagger]

german in weird

[slow saddle]

you can apply CSS to your client

[long laurel]

https://tenor.com/view/nub-nub-cat-silly-nub-cat-dr-pepper-guy-white-monster-gif-17863872088107451370

[slow saddle]

you can do it natively too

[cyan fog]

will it let me keep tenor after it gets headshot

[slow saddle]

i think theres a tenor plugin

but it doesnt matter cus the API will be dead

[queen grail]

Germanic languages understands partial other Germanic languages

[slow saddle]

unless we somehow build our own API

[queen grail]

@slow saddle Is a Femboy tho

He didn't tell you?

[loud vortex]

[queen grail]

[potent dagger]

had to do some translations on our website. Your language too. Confused the hell out of me soem weirds words looked so german

[slow saddle]

[long laurel]

book price going back up 🫡

[cyan fog]

yo how do i request a fucking reskin ticket tho

their support side is u s e l e s s

[queen grail]

https://tenor.com/view/meme-discord-mod-guy-turning-into-a-girl-gif-11203815163707399532

[vagrant cradle]

no i want my voice back not a reskin ticket

the voice just isnt there so that won't help me

[slow saddle]

https://giphy.com/gifs/howling-wolf-girl-5mxEUJoL3E8PqelSjO

[slender sky]

reported to the authorities

[wintry depot]

I love them

[queen grail]

https://giphy.com/gifs/anime-animation-girl-t9igJ3odrXBixqXtgf

[wintry depot]

I got my 800rc back

After paekes trolled me

[slow saddle]

https://giphy.com/gifs/primevideo-charlie-hazbin-hotel-vaggie-UZHVghduc7Y6h7hJX3

[wintry depot]

W support

[neon cedar]

https://tenor.com/view/did-you-read-it-calvin-jordan-kingdom-business-s1e4-have-you-tried-reading-it-gif-27463266

[queen grail]

You?? You don't have a VAlk

[wintry depot]

I do

[slow saddle]

[slender sky]

youll take the ticket and youll be happy, did u hear little bitch

[wintry depot]

But it was because i got my 800rc back

[queen grail]

You do?

[vagrant cradle]

no fuck you

[cyan fog]

this doesnt help me