For me:

• Cutting through an ice block with a stream of running water

• Going outside and it's the perfect temperature, or it's just a bit warmer but a breeze brings you back down to where you want to be.

• The satisfaction of completing a project.

For those who are unfamiliar, Subway Takes is a popular short form internet talk show "in which the interviewees present and defend a unique or controversial opinion, called a 'take'" Takes are usually halfbaked and/or tongue-in-cheek. Some popular examples include:

There are too many states in America

Everybody in New York has rich parents or is selling drugs

Spirit Airlines does not deserve the hate

Italians became white after 9/11

So what's your take?

Hello. I usually talk about trains, except today, I just want to vent on my finances and my wishes for a less expensive world.

I have found myself in financial straits,as I had amassed debt last year, lost work for months and amassed more debt. It’s in the low tens of thousands. of course I also lost my healthcare because I live in a rich country run by morally destitute anti-intellectuals.

On paper, I will pay off the debt in 18-24 months, if god allows. I have work now.

This city’s transit system has been hobbled in bad faith and will be destroyed come January….Fares have already risen, service cut. My train to work will be cut because the state refuses to provide services for its most productive citizens. It is twice as long by bus, suicide by bicycle on roads built for tanks, so I will have to sacrifice time or life.

It seems the price of electricity has increased. I would generate my own, but it is impractical.

Sadly my possessions are breaking too. This is the way of things, it’s just miserable timing, and each discovery of a failing mechanism or dilapidated object piles onto the defeat. The window frame has rotted and the glass fallen -- the house is frozen. Not a single plant survives. (The landlord will fix it, but not hurriedly…..) Bulbs burnt out, rooms dark. My bicycle needs new brakes, a new chain, my helmet has been destroyed and should be replaced, but for now I have been riding without. The computer has broken after 14 years, admittedly about time…. An expensive thing to replace, so now I only have my phone, whose battery has degraded quite a lot and will not be usable for too much longer, and a small laptop on death’s door too. I had worn my single pair of walking shoes for 5 years until, yesterday, the sole fell off. (Thankfully, I have one more, but it is formal and uncomfortable) A new pair is more costly than I remember… I know a cheap one will disintegrate in a season and do nothing for the snow, and a quality one is beyond financial prudence. My jacket is worn and torn by years and embers, beyond my ability to sew, and I must darn and darn and darn all the socks and gloves with holes, which I hate to do, and i am not good at. The denim jeans are ripped, in a place difficult to patch, and the pockets torn. I cannot bear the cold the same anymore, so I also need an overcoat, which I cannot afford. The fitted sheets are inexplicably torn by some punitive act of god, probably irreparably. The pillows are compressed, worthless, and causing me pain. Even the tent, which I might use to regain some sanity in the woods, has had its elastic poles dried solid and is basically unusable. At least I have a few books.

My lifestyle is structurally cheap. Affordable city, relatively low rent, multiple housemates, no car, only occasional commute, no dog, no wife, no children. Not too much to pay for. I eat simply. I am content with it.

Yet somehow I find myself with hundreds of dollars of credit card purchases this month, more than an entire paycheck, and last was also more. Qualifying for a healthcare plan has reduced my medical costs, but the difference is withheld, and I’m realizing that often it costs more than it would cost out of pocket, so at best it makes no difference. The dental and vision are exorbitant, so I just hope I don’t get a cavity.

I suspect I need glasses, or will soon. I can tell my eyesight is beginning to worsen. But it’ll have to wait a couple years.

The fear of a worse medical emergency persists. The deductible is rather high for a plan that offers no HSA and the co-pay is unremarkable, the coverage limited. Perhaps the least useful healthcare plan I’ve ever had.

I do not gamble. I like to drink beer but have abstained recently. My hobbies are inspecting train and street infrastructure, studying the Holy Bible, moralizing on the internet and persuading the government to institute a better society. I lapse sometimes and make impulsive purchases, but not frequently. I have not even gone to see a game in two years.

It’s a great pain to review your statements and recognize that almost none of the purchases were wasteful, only a few technically unnecessary. There were just too many overall.

What upsets me most is the social distance I have gained from my condition of functional poverty. the agony of refusing visits, trips, games, concerts, shows, dinners, coffees, drinks grinds on me daily. Yes it is still nice to say hello, it is just not the same. The pity, or disgust, the symbolic offers of charity received. Mostly the confusion—the awkwardness, the unsolicited advice (which I don’t normally mind, but it gets old). I prefer to socialize with bourgeois progressives, academics and professionals who care about engineering and mathematics and government policy and theory. It’s what I care about. I do not really resent them, but everything they do costs more money than I possess, so it is difficult to see friends and I cannot hope to keep up with colleagues after work.

I don’t object to work but I resent the fact that I must pay for my own healthcare. I also resent that my government neglects my transportation and my safety. I resent the pollution of the air, the NIMBYism driving up rents and leaving the addicted even more hopeless. I acknowledge the mistakes I’ve made that have led me here. I can’t undo the past, but Congress could socialize all medicine in the next budget if it wanted to…. repeatedly chooses not to.

That’s all. I just wanted to complain. You can give me advice if you want. I’m relatively financially literate, just poor and human.

With a few exceptions, I have a remarkably bad memory (probably in part due to ADHD). When I have a fight or heated argument I usually remember the tone and gravity of the situation but the actual words that were said are completely forgotten in a short period. With time the entire content of the discussion fades away.

I have the impression this makes it easier for me to forgive people and forget bad events. The negative impressions don't have a lot memory to hold onto. Is the inverse also true? Does a good memory make it harder to forgive?

A wizard has cursed you with billions of dollars! Why is that a curse? Because unless you spend it immediately* on something ridiculous** you'll become like the worst, asshole-iest billionaire you can think of. (Fill in your own blank).

Saving the world is out, philanthropy is out (unless it's utterly ridiculous), clever tricks to make the world better by finding a loophole and trying to outwit the wizard's curse are out.

If you try something that could be started with an "um actually" 🤓☝️you end up naming all your children and companies with the same letter before the end of the day, got it? Spirit of the rules!
I'm watching you. ತ⁠_⁠ʖ⁠ತ

*A project might take time but you're going all in on it, cash up front
** The point is that it's pointless. It might be accidentally useful but it's pointless.

ETA: I have been unjustly rate limited and will be replying when I can. Please take this opportunity to reconsider your charitable works and other attempts at public good and get back to airships and Animorphs movies. Ty

It's spooky month again! I've asked in the past for people to share scary, creepy and unexplained stories in October. But I figure the community doesn't grow enough to guarantee new people with new stories every year. So this year I'll mix it up:

What are some of the creepiest, spookiest and scariest places you've been?

Can be genuinely scary with a personal story attached. Can just be a spooky haunted house exhibit. Can be a place you just found really creepy for no specific reason. It could be as big as a historic mansion with a macabre background, as simple as abandoned buildings, could be that weird attic room with a lock on the outside of the door...

So share away!

We all have words we dislike for one reason or another. I am specifically talking about words that are non-problematic, so slurs and politically incorrect words are out of the scope of this post. I am talking about words that you find inane, dense, overly broad, vague, imprecise, pedantic, confusing, or inadequate for any reason. Maybe you just don't like how they sound.

As long as it is not a slur or politcally incorrect, for the purposes of this post, anything goes! Any language too!

Everyone knows about the big stuff we're good at, which are sometimes linked to our personal projects and professional activities. That is not what this post is about.

Here, I am asking about the little things that distinguish you. Your quirky superpower that impresses no one (or maybe just a few). Maybe this is something odd you never really made any effort to learn.

Some people just have this ability to whistle really loudly, or make the largest bubble gum bubbles.

What is your silly talent?

Physically, mentally, spiritually, your beliefs, your habits, your outlook, etc.

The changes you highlight can be positive, negative, neutral, or mixed. They can be bigtime things or small little details.

How have you changed, developed, and/or grown?

Also, apologies in advance for potentially causing some aging-related crises in people, but a reminder that 10 years ago was 2015.

What is something that's been eating at you that you haven't found the right place to share yet?

Long rants, short grumblings, and everything in between is welcome. Topics can be serious or silly.

Please specify if you do not want responses and prefer to use this as a venue to scream into the void.

You were ahead of the curve, or most people thought otherwise, or somebody vehemently opposed you, etc.

But it turns out you were right.

This is your chance to share your vindication.

As always, the question is open to all answers: simple or complex; funny or serious; tiny or significant.

Recently I was approached by someone who begged me to financially help them for a personal problem I could sympathize with. I was just approached on the street. There were several reasons why I did eventually give them part of what they asked for. Partly since they seemed sincere and partly because they have shown me some papers and an id card. Also since they turned down a smaller sum and offered to repay it which I refused. Some people can well damn seem as what they want to seem, papers can be printed and reused and id can be fake or they can just count on relatively small sums and lack of evidence to dissuade legal action and honestly I don't even know if it would count as crime justice system would pursue.

For context what I gave them was about third to half of a cheap month's rent so not truly substantial but also not trivial.

If they did something constructive with it then that is well. If they did something not so good then now I unknowingly funded that and if they just tallied it as good day's work then what I did is simply stupid. I would like to live in a society where this was just not a thing as in anyone not actually malicious would not be in a position to need to do anything like that but where we live it is statistically likely that I am just an idiot.

In retrospect the halfway I went about it also strikes me. If I believed them and they were genuine I could have given them what they wanted as it would not be all that much more financially impactful. If I didn't and they weren't I should have just walked away as all the other people did and in not doing so I enabled someone at something.

What is truly stupid of me regardless of anything else is at the end when I just didn't know I effectively flipped a coin, as in looked whether the time on my phone was odd or even to decide, though I did flip it a few times.

Share some digital clutter from one of your hard drives -- something from a LONG time ago. For example: a to-do list, poetry, a script you wrote, a PowerPoint presentation, etc.

Give us the date the file was created/modified.

And, if you so choose, give us context on the file (but if you'd rather let it speak for itself, feel free!).