- me: i'm bisexual
- idiot: wait so does that mean u have a crush on me?????
- me: *eyes roll into the back of my skull*
- me: *punches you in the throat*
Twenty-seven-year-old Omaha, Nebraska, resident Erin Duffy has never had — or even wanted — a credit card.
"I’ve been able to get along without it," she says, attributing the choice to ambivalence and a wariness of plastic her parents fostered in her during her formative years. "I’ve liked being able to pay for things as I go, not having to worry about missing a bill."
Duffy’s decision to live without credit cards is more common than you may think. A whopping 63 percent of millennials (ages 18 to 29) don’t have a credit card, according to a survey commissioned by Bankrate and compiled by Princeton Survey Research Associates International.
Comparatively, only 35 percent of adults 30 and over don’t have credit cards.
There are, admittedly, external factors influencing the statistics. An April 2014 Gallup poll found Americans’ reliance on credit cards, in general, has declined steadily since the Great Recession. Moreover, the Credit Card Accountability, Responsibility and Disclosure Act of 2009, or CARD Act, made it harder for anyone under 21 to get a credit card.
There’s also a more straightforward reason why a majority of millennials aren’t carrying the payment method: Many, like Duffy, just don’t want credit cards.
"I don’t really feel like there’s a need for one in the way I live my life," says Melissa Pileiro, a 24-year-old resident of Vineland, New Jersey. "The idea with a credit card is you’re essentially putting money down that you don’t have."
Like many members of her demographic, Pileiro is perfectly content with her debit card, a payment method whose existence has eaten into the credit card’s market share.
Millennials “grew up in a world where the economy was tanking,” says David Pommerehn, senior counsel with the Consumer Bankers Association. “There was great concern about jobs and debts and paying off bills.”
At the same time, college costs — and subsequently student loans — have ballooned. According to the Project for Student Debt, student debt increased an average of 6 percent each year from 2008 to 2012, with college graduates from 2012 having an average student loan debt of $29,400.
Person: I’m a woman and I don’t need feminism
What she’s actually saying:
- My life is perfectly okay and I don’t really care what other women go through
- I think feminists are just whiny and can’t take jokes that perpetuate harmful stereotypes
- I believe that people are just obsessed with political correctness
- I am blind to the fact that there are still problems faced by women
- I have forgotten that feminism gave women rights such as the right to vote
- I have no idea that feminism is an egalitarian movement that fights for everyone’s rights regardless of sex, gender, sexuality, race, religion, nationality, and ethnicity but mostly focuses on women’s rights.
- I am more concerned about semantics rather than human rights
- I can’t distinguish between real feminists and shitty people who call themselves feminists
- I still believe in the false notion that feminism is about hating men
- I actually don’t understand what feminism is
In some pretty awesome and uplifting news, Kentucky State University’s interim president Raymond Burse has given up more than $90,000 of his nearly $350,000 salary to help raise university workers’ minimum wage to $10.25 an hour.
Black male excellence
Because fat jokes are as awesome as rapey vampire jokes.
it’s not a fat joke he’s an actual elephant you idiot
from the show:
srsly, one of the best sight gags they’ve ever done
even if you know nothing about Hinduism, how do you not remember this?
Watch the trailer for M.I.A.’s controversial unreleased documentary before it’s pulled from the internet again. Reblog the shit out of this.
when is the whole documentary coming out cuz I’ve been waiting for forever!
Mendeley is the greatest program ever
I want to weep with joy every time I use it
Just click a button when you pull up an article and it will automatically save it to your library
And cite it for you
And you can use it on your mobile devices
And it’s free
Just download it and you won’t have so many urges to kill everyone in sight while writing a research paper
Thank you so much!