Kay Jewelers endorses the concept of ThoughtCrime

So the guy in this ad is clearly having a crappy day, getting burned out on the whole husband/father thing, feeling overwhelmed by not getting a moment's peace from his noisy, needy family.  He can't even eat a piece of toast and drink his morning coffee without having his personal space invaded by the insatiable demands of these people who live in his house and share his last name.

All he really wants is a few seconds to himself to reflect and recharge- but instead, he's assaulted from behind by his wife, who forces him to look at the Wall of Reminders that his life is NOT his own- he's got a wife, he's got kids, he's got responsibilities.  So stop moping, buddy- you aren't entitled to mope.  You aren't entitled to one freaking eye blink of solitude, because your wife sees you having quiet time as a threat to her existence as the freaking Center of Your Universe.  Besides, she assumes that you aren't just trying to gather yourself, but instead are contemplating how much easier- and fun- your life was before you Bought In and Sold Out.  And how long it's been since you've been out with any of your male friends to the sports bar or to play cards.  Or how cute and nice and almost-worshipful that last babysitter was.

Here's what has to happen now, at least as far as your wife is concerned:  You have to Make Amends for the wandering thoughts you dared to have without so much as a By Your Leave from your significant other.  Go out and get a mid-range piece of jewelry as a way of asking forgiveness for acting like a sovereign Human Being who actually owns the space between his ears.  And don't you ever show even the hint of fatigue, frustration, or bewilderment again or it's right back to Kay for you.

The Holidays are all about good food, good friends, and talking tax refunds

1.  Who the hell has a conversation about their tax return- let alone the AMOUNT of their tax refund- during a holiday dinner get-together?

2.  It gets even more cringy as the guests begin to push one of their own to tell them exactly how much he got - $3,000?  $4,000?- and he responds not with a very well-earned "this is really none of anyone's business and I seriously can't believe we are having this conversation" but with a grin and a "mmm hmmm" that suddenly makes me wonder if someone slipped something into his drink.  I mean, seriously, he sounds like he's falling asleep if not simply drowning in his own self-satisfied smarm.

3. "That's more than you got!"  Um, excuse me?  Do all the people at this table work in the same office, at the same salary?  Do they have the same number of dependents and did they make the same decisions over the course of the year?  I mean, two people making $50,000 each sitting at cubicles across from each other could have wildly different tax refunds due to a hundred different factors.  This is especially stupid even in what is already a very, very stupid commercial.

4.  "But I bet it took weeks (to get that refund,) right?"  This makes no sense.  The IRS does not mail out refunds based on amount being dispersed.  Is this guy suggesting that for such a big refund, his smarmy stoned friend must have hired a shady tax wizard who uses so many little-known tricks that the IRS goes through it with a fine-tooth comb before cutting the check?

5.  "Actually, I got it the same day" replies our favorite weird, semi-conscious lump of smarm (seriously, what is wrong with this guy?  Did he collapse into a coma five seconds after the commercial ended?)  And now we get the punchline- Mr. Valium used a "Rapid Refund" service to get his money- in other words, he surrendered a significant percentage of that refund in order to get his hands on the money a little faster.  Which makes me wonder about his finances, and convinces me that no one at that table should admire him.

Oh, one more thing  If you get a big tax refund every year, you are doing the whole payroll thing wrong.  You are giving the United States an interest-free loan with every paycheck.  A big tax refund is nothing to brag about; it's an admission that you haven't gotten your act together when it comes to properly managing deductions.  Do better in 2020, people.  And stop talking about tax refunds at the dinner table.  To borrow a phrase from the 19th century, it's downright Uncouth.

Range Rover, Mikaela Shiffrin, and a big middle finger to the rest of us

I guess that when you are a World Champion Skier you can't let things like road conditions- and nature- get in your way now, can you?  And if you aren't going to pay attention to road conditions, nature, property rights, etc., well, who the hell are police to tell you where you can and cannot go in your Range Rover?

The IMPORTANT thing is that Mikaela Shiffrin get to the top of that mountain so that she can ski some more.  Heck, it's not even the most important thing- it's the ONLY thing. 

Here's my question, though- she parks her Range Rover at the top of a mountain that she was only able to reach because she was equipped with a Range Rover and an overbearing sense of Entitlement.  Now she's going to ski down that mountain.  How does she plan to get back to her Range Rover when she reaches the bottom?

WeFixMoney Presents: The worst use of GoAnimate I've ever seen

For three years, GoAnimate For Schools was one of my favorite hobbies.  Every other week or so, I'd devote two or three hours to making a 3 or 4 minute video which I would then share with my class and on Facebook, just for fun.  Then GoAnimate changed it's name to Vyond, got super greedy, and got rid of GoAnimate For Schools and it's awesome $79-per-year subscription, replacing it with a virtually identical service with a $299 per year price tag.  Oh well, it was a fun hobby while it lasted- but I don't have $299 burning a hole in MY pocket.

Here's an awful use of the old GoAnimate software:  A GetPoorQuick instant loan "service" which promises to "match you up" with any number of stratosphere-high-interest cash advances to pay for car repairs, mortgage, whatever when your credit is in the toilet and you have no friends or family to lean on in a pinch.  Need $500?  $1000?  More?  No matter- the nice people at WeFixMoney will get that cash into your account quick, and all it will cost you is a monthly payment including interest rates approaching 2000%.  But don't worry about that- just make the minimum required monthly payment.   Forever.

How could such cutesy, friendly-looking GoAnimate characters steer you wrong?  Well, the ones I put into motion never did, and never could.  These, however, are setting up a trap for the Stupid and Desperate.  If GoAnimate was still affordable, I'd love to create an animated response to garbage like this.  Instead, I'll have to reply from my $10-per-year blog.  Better than nothing, I guess.

Not much to say about this Wayfair Ad....

...except that the little girl this guy married is truly insane.  I mean, just look at how she acted as the UPS guy kept showing up with crap from Wayfair, delivering packages by the freaking metric ton.  She looks like she's experiencing an LSD trip as she opens boxes, dancing around the tree and literally draping decorations around her neck.  What. The Actual. F--k.  Is wrong with this woman?

Whatever it is, it's apparently just fine with her husband.  Either that, he's in for a serious shock when the VISA bill arrives in January.  But I'm guessing he intentionally married a stunted child who looked fertile and just accepts the shopaholic behavior as just part of the package.  To each his own, buddy.

WeatherTec: When you're completely dead inside

How do you know that the best years of your life are far, far behind you and every trace of your youth has been vanquished by age and the grind of routine?

Well, an excellent clue will be when you find yourself with visions of cupholders, weatherproof floor mats, and Smartphone dashboard accessories dancing in your head so insistently that you spend a ridiculous amount of time working to convince your Significant Other that all you want for Christmas is stuff that any normal person would just buy over the course of the year, as needed.  When that happens- yes, you're dead.  Just arrange the funeral already.

That being said-- what a contrast these people are to the Lexus, Audi and Buick Couples handing each other actual luxury cars for the holidays.  This guy doesn't want a new car- he wants some stuff to keep his old car looking better.  Almost makes me feel bad to snark on him, considering that he's being quite reasonable in his gift requests.  I'm assuming he doesn't live on the same block as that kid who got a $50,000 car by blackmailing Santa with an unflattering photograph or the woman whose hubby "delighted" her with a Peloton bike.  In other words, this is almost relatable.  I wonder if this guy's wife wants something equally practical?

The enduring "power" of Copper

Or "here's another product which plays off the weirdly durable myth that copper has magical pain-relieving qualities, brought to us from the finest minds of pre-Renaissance Europe!"

Seriously, in a nation where millions of people rub on, breathe in or actually consume "essential oils" when they aren't guzzling "skinny tea" in an attempt to "detox" as if they don't already have kidneys and a liver, maybe I shouldn't be surprised that Magic Healing Copper is still a thing.  I mean, the phony-as-it-gets Holistic Wellness Industry- be it the "nutrition" aisle at your local grocery store, the GNC brick and mortar cave at the local mall, or that non-friend you barely remember from High School attempting to "enlist" you to her Arbonne, Younique or Young Living downline through random, emoji-encrusted Facebook messages- brings in tens of billions of dollars to a very tiny group of people at the top of what sure looks like a pyramid every single year.  Copper socks?  What's so astonishing about that?

Still- this isn't the 9th century.  The Earth isn't flat, leeches aren't intentionally being used to suck "excessive blood," there are a  lot more than four elements, and no amount of boiling and mixing will turn base metals into gold.  So why does anyone buy the concept of copper as a pain reliever?  Especially when we already have prayer, chants, and crystals that, when placed properly, take care of that problem already in combination with plenty of water, rest, a proper diet and two Aleve tablets every four hours?

(Oh, but these are "improved"- in that, they are easier to put on than "normal" compression socks.  They don't even have 10 percent more copper healing power, what a ripoff!)