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END ME SCOOB posted:
CITED BABY!!!1!
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Feb 4, 2019 14:01
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This is good for bitcoin because:
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Feb 4, 2019 18:21
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The number of wildly successful scams just shows how excited the public is about cryptocurrency!!!
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Feb 4, 2019 18:25
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Can I interest any of you good fellows in Y2K insurance?
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Feb 4, 2019 18:32
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Bitcoin is great because it's like all of the Eve Online drama except this time it's real money these idiots are losing, and thus even more entertaining.
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Feb 4, 2019 18:32
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I would be quite happy to lose my Coinbase login so i could officially give up on those doodoo coins going back up in value one day
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Feb 4, 2019 18:36
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GoGoGadgetChris posted:I would be quite happy to lose my Coinbase login so i could officially give up on those doodoo coins going back up in value one day oh man you're still hodling? All my sold coins are being taxed as income because I got out while the getting was still good, but if I'd waited I would have lost more than the taxes cost me so, 
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Feb 4, 2019 19:03
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moana posted:Does a direct request from a mod contravene a self-post car-post? Who knows, but here are some pictures of my new miata: Noice, it's that bridge in LA that every LA driver interviewed on Petrolicious drives over.
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Feb 4, 2019 19:57
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I don’t know if it was this thread or the ‘companies circling the drain’ thread, but someone recommended Bad Blood about the Theranos scam and it’s so good. I’m a little amazed only two people are definitely going to jail over this. Hopefully a bunch of others (including the famous law firm that Theranos used to bully witnesses) are sued until it hurts. But it’s all BWM hubris straight to my veins.
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Feb 4, 2019 20:17
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Been meaning to write one about my former neighbour. I rent a condo and they rented another condo a couple of houses down She’s a nice lady and a nice married couple. Their kid likely has some ADHD or something, but he makes a good playmate for my step daughter. I like them both, but holy gently caress they are the absolute worst with money. Her husband makes pretty good income at like $80-90 grand per year. It’s a heavy lifting/trucking job and he’s on the road like 6 days a week. She’s on disability. Personally, I think she’s milking the system because I’ve seen her move around and stuff, but I’m not medical expert. I first got a hint at how bad they had it when we were walking around a park with their kids and she casually dropped that in her old condo, she had a 40 year mortgage on the place. On a condo. I never got what the interest rate on that thing was, but it must have been ridiculous. In this Condo, they also refused to pay condo fees because they kept raising their rates (which the legislation pretty much lets them do) and she refused to pay. Lawsuit ensured, she had to pay ten thousand dollars plus pay the boards legal fees. So they got kicked out. They also sold the condo at a loss, since the market in Alberta crashed. They have two dogs. One of them croaked six months ago, so they spent $600 on a beagle puppy. This dog is not well trained and pisses everywhere and chews everything, damaging a ton of property. They recently leased a new van, though I can't remember the exact type. They lease new cars often. She also admits that she spends way too much on Christmas. She bought her kid dozens of gifts for Christmas. Their basement was just stocked full of toys. She also bought an electric fireplace thing from costco “since it was such a good deal” I think they paid like $400 for it. They got kicked out of the Condo since since was some noise complaints. I think the complaints were bullshit as them and their immediate neighbour( who was on the condo board) really didn’t get along. In January, they began renting a home that costs $100 more than the old place, but that's fine because it has a two car garage and an unfinished basement! Unfortunately, the owner didn't clean it out properly so they had to spend two weeks cleaning it and are now attempting to get the landlord to pay for outlets in the basement. It's abundantly clear that they cannot afford this stuff/lifestyle. About a month ago my girlfriend asked if she wanted to go to mcdonalds together. s figured that they could hang out while the kids played. Neighbour advised her that they had no money and wouldn’t get paid until the end of the week. They have no savings, the husband is in his mid forties and works a physically demanding job. He’s already starting to complain about his back. Given what his job is and the fact that he often sleeps in his truck while on his shifts I can see why. I don’t know how much longer they can keep it up before they're completely hosed. I smell a bankruptcy in the near future. Monaghan fucked around with this message at 20:44 on Feb 4, 2019 |
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Feb 4, 2019 20:37
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Monaghan posted:She’s on disability. Personally, I think she’s milking the system because I’ve seen her move around and stuff, but I’m not medical expert. Please don’t. There are lots of kinds of disabilities, and most don’t totally immobilize you.
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Feb 4, 2019 20:42
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Does her disability get their household income over $100k? That determines if the story is Tragedy or Comedy EAT FASTER!!!!!! posted:oh man you're still hodling? I bought such a tiny amount that I'd rather let it ride to zero with a 0.0001% chance of breaking even one day. Plus so many people warned me that Coinbase will literally never let you withdraw money that I don't want to give them a chance of being right!
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Feb 4, 2019 20:43
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Monaghan posted:. This is Oilfield.txt in Alberta. My favorite article from the oil crash was a guy in his 40s making $140,000 a year losing his job and being hosed on mortgage, 2 vehicle loans, and a couple personal loans for snowmobiles and trailers and poo poo. Dude was *super pissed* and it's like ok, where's your savings account? You were making a boatload, for years. Years! edit: Found it! https://www.cbc.ca/news/canada/edmonton/downturn-pushes-debt-burdened-to-seek-help-with-financial-woes-1.3042860 Antioch fucked around with this message at 21:02 on Feb 4, 2019 |
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Feb 4, 2019 20:46
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Subjunctive posted:Please don’t. There are lots of kinds of disabilities, and most don’t totally immobilize you. You're right, which is why I added the disclaimer. She could be hosed for all I know. GoGoGadgetChris posted:Does her disability get their household income over $100k? Yeah, definitely. If I were to guess it's around $100-105 K.
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Feb 4, 2019 20:46
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Krispy Wafer posted:I’m a little amazed only two people are definitely going to jail over this. For the unrich the consequences of an unwise business plan can be slightly more severe. https://twitter.com/EastBayTimes/status/1092408495087996928 quote:Guerrero State police said in a statement on Saturday that the survivors reported armed men showing up at a “cannabis greenhouse” and targeting Galton. The attorney’s office, which confirmed that Galton had been killed, said in a statement on Sunday that it had found a marijuana laboratory on the premises, including white lights and gas tanks. No suspects had been announced, and a motive for the murder remained unknown. Well done white-dreads, you're a self-made man at last.
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Feb 4, 2019 20:51
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Krispy Wafer posted:I don’t know if it was this thread or the ‘companies circling the drain’ thread, but someone recommended Bad Blood about the Theranos scam and it’s so good. It might have been me, I recommend that book to everyone. I love business gently caress-up books and Bad Blood is top tier. If you like that, many of the Michael Lewis books are good, as are Enemy at the Gates (RJR/Nabisco), The Smartest Guys in the Room (Enron) and When Genius Failed (Long-Term Capital Management).
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Feb 4, 2019 21:01
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I love When Genius Failed so much.
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Feb 4, 2019 21:02
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Subjunctive posted:I love When Genius Failed so much. It's probably the best of the whole bunch and I had the misfortune of reading it first.
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Feb 4, 2019 21:05
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BonerGhost posted:I was thinking of USAF, where you need like 3 years in service before you can promote even if you enlist at e-3. It's 28 months if you enlist at E-3. Also, you can get BTZ, and get it at 22 months. So if you enlisted at 18, it's doable. I enlisted at 19, and I was a SrA at 21. If I would have gotten BTZ, I would have totally got it at 20. Too bad I was competing against a female 
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Feb 4, 2019 21:19
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I took a BWM picture for TFR. I bought this car because of the AI / BFC thread recommendations. Fix bayonets?  Knife, fork, broom, brachiasurus, shotgun, V8
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Feb 4, 2019 21:25
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Now that's what I call a street sweeper!!
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Feb 4, 2019 21:29
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EAT FASTER!!!!!! posted:It might have been me, I recommend that book to everyone. I love business gently caress-up books and Bad Blood is top tier. If you like that, many of the Michael Lewis books are good, as are Enemy at the Gates (RJR/Nabisco), The Smartest Guys in the Room (Enron) and When Genius Failed (Long-Term Capital Management). I’ve listened to Smartest Guys in the Room and yes, it was great. Another good one is There Must be a Pony in Here Somewhere about the AOL/Time Warner merger. I’ve still got The Big Short to get through. Just added When Genius Failed to my wish list.
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Feb 4, 2019 21:35
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CannonFodder posted:I took a BWM picture for TFR. I bought this car because of the AI / BFC thread recommendations. B-Movie James Bond
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Feb 4, 2019 21:53
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Subjunctive posted:Please don’t. There are lots of kinds of disabilities, and most don’t totally immobilize you. Amen. You beat me to posting that. (I’m the TFR guy with bad legs)
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Feb 4, 2019 22:55
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I eagerly await when this train pull into GiP because I imagine they have some stories
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Feb 4, 2019 23:40
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Doc Hawkins posted:For the unrich the consequences of an unwise business plan can be slightly more severe. Hmm, they don't gently caress around in Mexico, who knew? 
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Feb 4, 2019 23:41
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One of the SNL writes must read this thread. https://www.youtube.com/watch?v=Sld27PfAF3M&t=200s "have your horses attend public school"
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Feb 5, 2019 00:06
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George H.W. oval office posted:I eagerly await when this train pull into GiP because I imagine they have some stories I use this thread as my go-to reading material if I know I'm going to be a while somewhere. It's an unending list of fuckups. We all joke about the ford raptors and mustangs and such, but I have to imagine that there's an endless fractal of BWM variants we'd hear about.
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Feb 5, 2019 00:06
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George H.W. oval office posted:I eagerly await when this train pull into GiP because I imagine they have some stories This should get the juices flowing in the meantime  The Betrayer posted:Had a signal guy at Fort Belvoir who was a real winner.
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Feb 5, 2019 00:12
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EAT FASTER!!!!!! posted:It might have been me, I recommend that book to everyone. I love business gently caress-up books and Bad Blood is top tier. If you like that, many of the Michael Lewis books are good, as are Enemy at the Gates (RJR/Nabisco), The Smartest Guys in the Room (Enron) and When Genius Failed (Long-Term Capital Management). Ty for this, gonna add these to my list.
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Feb 5, 2019 00:23
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Guest2553 posted:B: Got re-married to a woman he found on AdultFriendFinder Wait I thought that site was entirely a scam with no actual humans on the other end?
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Feb 5, 2019 01:22
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H110Hawk posted:Wait I thought that site was entirely a scam with no actual humans on the other end? There were some but it was like 100:1 men/women, hence the bots.
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Feb 5, 2019 02:04
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Gun safes: GWM, right? But what if you drop it on your friend's foot, who is helping you move? And said friend has a $3k deductible on his health insurance? Ouch. I'm not sure if they tried the home-owner's insurance route or not.
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Feb 5, 2019 03:26
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H110Hawk posted:Wait I thought that site was entirely a scam with no actual humans on the other end? That was Ashley Madison. You could absolutely find someone on Adult Friend Finder. As a coworker who picked up women on there would say, “the odds are good but the goods are odd.” He was not very discerning.
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Feb 5, 2019 03:33
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Cacafuego posted:Ty for this, gonna add these to my list. The RJR Nabisco one is Barbarians at the Gate, btw
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Feb 5, 2019 05:09
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Monaghan posted:I first got a hint at how bad they had it when we were walking around a park with their kids and she casually dropped that in her old condo, she had a 40 year mortgage on the place. On a condo. I never got what the interest rate on that thing was, but it must have been ridiculous. How long until 40 year mortgages are as common as 30 year mortgages? Tie it up with a less than one percent down payment and you can really tell those struggling apartment dwellers that they no longer have to be throwing their money away on rent while their bougie friends and relatives are getting on the real estate ladder.
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Feb 5, 2019 05:31
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I work for an auto finance company and we're getting pressure from dealers to accept more 84 month term loans. That's 7 years. There is no way any new vehicle is going to hold it's value well enough for that loan to make sense, but the "non-prime" demand is there so we're accepting more and more of them.
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Feb 5, 2019 05:47
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Antioch posted:Dude was *super pissed* and it's like ok, where's your savings account? You were making a boatload, for years. Years! How the gently caress is he supposed to confirm it's a boatload without buying a boat to put it in? Checkmate, atheists. 
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Feb 5, 2019 06:09
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SpartanIvy posted:I work for an auto finance company and we're getting pressure from dealers to accept more 84 month term loans. That's 7 years. There is no way any new vehicle is going to hold it's value well enough for that loan to make sense, but the "non-prime" demand is there so we're accepting more and more of them. Isn't the majority of a vehicle's depreciation towards the beginning of the life of the loan and over time the depreciation rate becomes less noticeable on the car's diminishing value? I don't think it's actually that dumb of a move, but it would depend a lot on the vehicle and the market's affect on the depreciation rate.
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Feb 5, 2019 07:23
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Crazy Mike posted:How long until 40 year mortgages are as common as 30 year mortgages? Tie it up with a less than one percent down payment and you can really tell those struggling apartment dwellers that they no longer have to be throwing their money away on rent while their bougie friends and relatives are getting on the real estate ladder. Typically a 40 year loan has a higher interest rate and does not get the payment that much lower than a 30 year. When I worked on ther sales for our mortgage records generally recommended against them because they felt the lower payment wasn't low enough to justify the increase in rate and higher overall cost of borrowing over the life of the loan. Even if the rate is the same, for a 200k loan you are talking about around $100/mo difference.
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