- Jul 22, 2012
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I thought I registered at Reddit before, but none of my passwords seem to work. I googled for "reddit spungo" to see if the posts were mine or someone else, and what I found was interesting. The Reddit user with my name has posts that are very similar to what I would write. The grammar is similar, the words used are similar, and they talk about financial things. It's almost creepy.
https://www.reddit.com/user/spungo
There are so many little details in that post that look like things I would write. The grammar, the words, the length of the sentences, etc.
I'm so fascinated with this person. Even their sense of humor is the same.
Has anyone else experienced this before? Maybe they don't have the same username, but have you ever found someone online who has the same job as you, the same political opinions, the same life philosophy, shops at the same stores for the same reasons, plays the same games, and appears to be an exact copy of you?
https://www.reddit.com/user/spungo
clone Spungo on Japan and NIRP said:[]spungo 1 point 27 days ago
The Fed tried this with "Quantitative Easing", i.e., printing billions in the hope that people would start spending and it would cause the economy to flourish. All this did in reality was inflate the stock market. Regular people didn't buy into it as they're already swimming in debt, and still extremely dubious about where the world economy is headed. In Canada, our interest rates are near- zero for the same reason. Doesn't work, as no one has faith in the overall economy. Anyone who has money to spend / invest in leaving it in cash, doing nothing.
There are so many little details in that post that look like things I would write. The grammar, the words, the length of the sentences, etc.
I'm very certain I've said this exact thing on this forum. Then time to cash out is decided by the market - you cash out whenever the market is high. It's not decided by your own personal retirement schedule.clone spungo on mutual funds said:[]spungo 1 point 1 month ago
No one can answer that question for you. Mutual funds go up, and come down. That's what they do, and three years or so isn't really that long of a time horizon. If you choose to go with mutual funds, remember that the point at which you should redeem them will not be decided by you -- you will be at the mercy of the markets.
My clone even buys used clothing from thrift shops. I've been doing that for years.clone spungo on saving money said:[]spungo 8 points 1 month ago
1) Take lunch to work
2) Get clothes second-hand (mostly)
3) Don't buy stuff I don't need.
This is probably the only thing that jumps out as not being like me. I carry as little cash as possible for the exact reason she mentioned. Credit cards are insured.clone spung on cash said:[]spungo 1 point 1 month ago
I agree wholeheartedly. Cash is King. Mostly, it's 'cos I'm concerned about identity fraud and such like. I know, one can usually get insured against this sort of thing, but I really do not want the hassle of all that. Furthermore, cash is real -- you feel like you're paying actual money when you buy something, and I'm pretty sure that's why I don't spend as much as I could.
I'm certain I've mentioned this before. I argued that this is the reason the Fed and other central banks will never normalize interest rates. Doing so would implode the economy.clone spungo on debt to income ratio said:[]spungo 1 point 1 month ago
The difference is that the mortgage is backed by the asset, i.e., the house / condo. Credit card debt tends not to have anything behind it. The real problem with a high debt-to-income ratio is when interest rates start to rise -- suddenly people will struggle to make their mortgage payments, etc., and the country will be in a heap of trouble.
I'm so fascinated with this person. Even their sense of humor is the same.
clone spungo on McDonalds said:[]spungo 1 point 2 months ago
Easy: not buying crap I don't need.
Hard: avoiding delicious, disgusting, greasy, gorgeous, revolting junk food. Sometimes you just gotta buy that big mac, and try not to moan with pleasure as you bite into it in the middle of the restaurant.
Has anyone else experienced this before? Maybe they don't have the same username, but have you ever found someone online who has the same job as you, the same political opinions, the same life philosophy, shops at the same stores for the same reasons, plays the same games, and appears to be an exact copy of you?