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tuyop posted:We would never live in a house by ourselves ToeShoes posted:I just want to buy a house with 5 bedrooms and fill it with cats and stuff. Because that makes sense. Roommates are not a real option. e. Are you guys just basically trolling us now or what. Leperflesh fucked around with this message at 06:54 on Aug 2, 2013 |
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Aug 2, 2013 06:51
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Leperflesh posted:e. Are you guys just basically trolling us now or what. Yes? For fucks sake, she's obviously joking. She is making fun of you folks because you're all wound up. And she's right. 
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Aug 2, 2013 07:24
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tuyop posted:The main advantages seem to be: Care to elaborate? As a carpenter myself, I'd love some of this free extra income.
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Aug 2, 2013 07:59
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Wasn't there a planned roommate situation a while back that fell through, or was that another thread?
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Aug 2, 2013 08:59
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Engineer Lenk posted:Wasn't there a planned roommate situation a while back that fell through, or was that another thread? I think that was in another city, but no one has yet charted Tuyop's crazy rear end travels to a map+timeline so I can't be sure.
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Aug 2, 2013 10:21
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Engineer Lenk posted:Wasn't there a planned roommate situation a while back that fell through, or was that another thread? Yeah, in our last place in Ontario we tried to get a roommate but had to stop. The apartment was the back half of a large bungalow with its own well and septic. The front half of the bungalow had like 13 people living in it in some sort of Korean sweatshop so the septic tank was at its max capacity and couldn't handle another person.
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Aug 2, 2013 13:08
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If only you'd bought that book, you could have just shat in a bucket.
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Aug 2, 2013 13:11
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Reggie Died posted:Care to elaborate? As a carpenter myself, I'd love some of this free extra income. This has already come up. http://forums.somethingawful.com/showthread.php?threadid=3427699&pagenumber=61&perpage=40#post410422483
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Aug 2, 2013 14:22
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FrozenVent posted:If only you'd bought that book, you could have just shat in a bucket. Yeah, is the poo poo harvesting sill in the mix? How's that going to square with roommates?
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Aug 2, 2013 14:33
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 July Update  Holy poo poo, the savings!  A note about the savings, I'm not sure how to count this because our savings are all divided to poo poo by categories but sitting in an ING Direct account in one pile. $15080 of it is strictly designated just-in-case money of some sort, with the rest savings for things like wedding and tires and Christmas that could be used just-in-case as well.  Got some bonuses, more on the way. Higher-than-average spending on things like:  Home and auto. The uncategorized is cash withdrawals which are captured by YNAB.  This is outflows, so savings aren't represented but are just equal to Income-Spending. Same as mint's net income graph.  This is a good thing, right? This is assuming that my car is worth 10k.
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Aug 2, 2013 15:22
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tuyop posted:This is a good thing, right? This is assuming that my car is worth 10k. Yeah it's good that mint shows a positive net worth, but don't get cocky, kid. And to throw your Rich Dad, Poor Dad business back at you, is your car an asset or a liability?
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Aug 2, 2013 16:03
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bam thwok posted:Yeah it's good that mint shows a positive net worth, but don't get cocky, kid. And to throw your Rich Dad, Poor Dad business back at you, is your car an asset or a liability? My car, or a car?  Because I think I could turn a gold-making GBS threads pigeon into a liability. But the correct answer is liability. HipGnosis posted:Yeah, is the poo poo harvesting sill in the mix? How's that going to square with roommates? Pff you're the one flushing good compost down the drain! tuyop fucked around with this message at 17:01 on Aug 2, 2013 |
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Aug 2, 2013 16:13
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ToeShoes posted:I just want to buy a house with 5 bedrooms and fill it with cats and stuff. Because that makes sense. Roommates are not a real option.
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Aug 2, 2013 16:58
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Eden posted:What the gently caress are you even trolling about? I never said don't get roommates, hell, I think it's a good idea. I don't give a poo poo what either of you guys do, just pick a goal and stick with it for gently caress sake. You know, like normal (read: sane) people do. This is your 4th post about roommates and the size of their apartment. Usually people who don't give a poo poo about something don't bother posting 4 times about it and tell the world they don't give a poo poo about it. Buying is bad in their situation but if $1,300 gets them into a place that isn't ghetto, doesn't reek of weed and isn't a yurt, I'm not sure why this matters to you.
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Aug 2, 2013 18:08
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Wait so were you guys just trolling about "we're gonna buy a house," too? It's annoying trying to give serious advice to people when you can't tell if they're actually asking for serious advice, or just loving with you. It seems clear to me now that since Tuyop is in net-positive territory, he feels like he doesn't actually need help any more, and it's more fun to just drop into the thread and post some dumb idea or another deliberately to try and draw the outrage. If that's all this thread is for now, Tuyop, just close it and go away.
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Aug 2, 2013 18:57
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Leperflesh posted:Wait so were you guys just trolling about "we're gonna buy a house," too? Not at all actually. I'm really glad you guys yelled at us for the house thing because it really sounds like a good idea if you ask pretty much anyone but the thread. The reasons not to buy make a lot of sense right now though. We still haven't accomplished the primary, three-year goal of this thread, which is getting debt free. There's still 31k of debt. Though it sounds like we should just pay off the student loan, since I'll be able to unlock that student line of credit for use again in September (should I even do this? I have a 15k LOC from my normal bank as well). That would save us 55/month in interest alone, and 150 in payments.
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Aug 2, 2013 19:11
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tuyop posted:Not at all actually. I'm really glad you guys yelled at us for the house thing because it really sounds like a good idea if you ask pretty much anyone but the thread. The reasons not to buy make a lot of sense right now though. We still haven't accomplished the primary, three-year goal of this thread, which is getting debt free. There's still 31k of debt. That's true. The real estate brokers' associations and mortgage broker's association and all those guys have done a tremendous job convincing everyone that renting is throwing money away, and that NOW is the time to buy. It's permeated the collective consciousness, and obviously everyone will tell you a house is a great investment! But it's not. If you look at it rationally, it's a terrible investment. People who have bought houses don't want to admit that to themselves, so the fallacy becomes self-maintaining. Remember that a lot of the people you'd go to for professional advice with regards to house buying - Mortgage people and real estate agents - have a marked interest in selling people houses. tuyop posted:Though it sounds like we should just pay off the student loan, since I'll be able to unlock that student line of credit for use again in September (should I even do this? I have a 15k LOC from my normal bank as well). That would save us 55/month in interest alone, and 150 in payments. It won't save you poo poo if you go right back into debt in September. You should absolutely pay it off, especially if it's your highest rate loan. Are you sitll upside down on the car?
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Aug 2, 2013 19:42
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FrozenVent posted:It won't save you poo poo if you go right back into debt in September. I have a meeting on Tuesday with the disability folks regarding tuition reimbursement. I still don't trust that I'm going to get disability. But, if I get the disability and tuition, there should be no reason for me to go into debt for school. The reason we have the savings is in case none of those benefits materialize. FrozenVent posted:You should absolutely pay it off, especially if it's your highest rate loan. Are you sitll upside down on the car? It's my highest interest loan. My car loan is still at 17k, but probably worth less than 10k, so yes.
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Aug 2, 2013 19:51
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tuyop posted:I don't know, places like this can be dirt cheap for rent, give us spaces to build things and garden. If we can work with the 1.5 bath, this one saves on toeshoes' commute and could be as little as ~500/month if we have two other parties splitting rent. Keep in mind that your utilities are going to be higher renting a house, whereas they are typically part of the cost in an apartment. Also, just because you rent a house doesn't mean you can do whatever you want with it, you still need approval from whoever you are renting it from. You are also on the hook if one of your roommates can't pay, they have friends over that wreck something, they move out, etc etc. This is compounded the more people you have living in one place. For that matter why are you looking at places on opposite sides of the city? If Toeshoes is at the base NE of the city, you do NOT want to be commuting from the south side across the river. It's a god drat nightmare.
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Aug 2, 2013 20:58
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http://rentedmonton.com/Detail.aspx?prop=f3c7db30-9ac0-4418-96f1-649ebace4504&AspxAutoDetectCookieSupport=1 This house? With six bedrooms and no photos? Near the university? What the leasing agent really posted is 'lovely dump for dumb college kids who need a place to stay that's been converted into a ton of tiny bedrooms', not whatever it is you read.
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Aug 2, 2013 21:02
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asmallrabbit posted:For that matter why are you looking at places on opposite sides of the city? If Toeshoes is at the base NE of the city, you do NOT want to be commuting from the south side across the river. It's a god drat nightmare. Forget the problems with rooommates. If someone asked me to pay 400-1000 a month to avoid the possibility of having my couch burned or my TV stolen, or to avoid being possibly woken up by loud sex I'd say they were being ridiculous. We've lived with roommates, it doesn't worry us. We both have to commute to different ends of the city. Me to U of Alberta, her to the base. Right now we live roughly in the middle, but I think living in the Northeast would be perfect for both of us. She can carpool because most of her work buddies live there, and I could take the LRT. The houses I linked were just examples and probably won't be available in September or October when we're looking.
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Aug 2, 2013 22:11
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When people give you the financial advice to buy a home, do you ask to see their complete financial picture including debts/liabilities/retirement/savings? Because my guess is the people giving you this advice may be outwardly fine, and even THINK they're doing great -- but the reality is much different.
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Aug 2, 2013 23:51
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Start scouting for a nicer rental. I don't mean break your lease, but figure out stuff like neighborhoods now. A two bedroom townhouse in a decent neighborhood would be a big step up and I think it would satisfy your more space jones for awhile. The largest square footage place I've ever lived in my life was a two bedroom townhouse. And, many townhouses have yard space for gardening or you can do balcony gardening. Also, if your stove "barely works", bug the landlord. That's why you have a landlord.
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Aug 3, 2013 14:22
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Delta-Wye posted:Yes? For fucks sake, she's obviously joking. She is making fun of you folks because you're all wound up. Tell me about it. I didn't check on this topic for a few days and saw it had a huge boost in posts. My only thought wasn't "Oh what did tuyop do again?" It was "Oh, what are those posters getting loving pedantic about now" E: BTW, you guys do have that benefit package with the military I will acknowledge and confirm this. You have also acknowledged that it is by no mean a guarantee which impresses me quite a bit that you're thinking about these things. I just want to say, "well done" for that little bit. Renting a home and subletting to roommates is a good idea if it improves your quality of life and give you the necessary freedom you're looking for. quaint bucket fucked around with this message at 16:08 on Aug 3, 2013 |
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Aug 3, 2013 16:03
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Having lived in Edmonton for several years, my advice would be to spend the winter where you are before making any decisions that would either complicate your commute, tie you down, or potentially increase your heating costs. Get a new apartment or suite if yours sucks, by all means, but getting a better sense of winter in the city may drastically change your priorities when it comes to housing.
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Aug 3, 2013 16:14
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Giant Goats posted:Having lived in Edmonton for several years, my advice would be to spend the winter where you are before making any decisions that would either complicate your commute, tie you down, or potentially increase your heating costs. Get a new apartment or suite if yours sucks, by all means, but getting a better sense of winter in the city may drastically change your priorities when it comes to housing. Yea, this is a very good point. Winter can really screw stuff up here when to traffic and commutes. Not to mention heating and how often your area might get plowed or not.
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Aug 4, 2013 15:37
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I met with the insurance people this morning. They're paying for my teaching degree, including books, internet, and general stationery. I also have the final number for my net income for the next two years including allowances: 2801.80 per month. I'll believe it when I see it, but this is still positive news!
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Aug 6, 2013 18:30
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Congratulations. Did you get it in writing? v Awesome! v quaint bucket fucked around with this message at 20:45 on Aug 6, 2013 |
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Aug 6, 2013 20:33
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quaint bucket posted:Congratulations. Did you get it in writing? Why yes I did! Their secretary was on vacation so I won't get my "sponsorship letter" until next week, that's the thing that actually pays for the university. I still don't trust any of this. 
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Aug 6, 2013 20:35
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tuyop posted:Why yes I did! Their secretary was on vacation so I won't get my "sponsorship letter" until next week, that's the thing that actually pays for the university. And I wish my spine injury had been caused by the Canadian military. Yours is worse than mine it sounds like, but mine caused me to pay for my re-education and everything else. Fuckin' American insurance!
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Aug 6, 2013 20:49
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Tuyop, you're doing great. I want you to know that what I am about to say is not intended to hurt your feelings, and from what I've said in the past, I'm pretty sure you don't listen to me, but I have some advice for you. Stop rejecting people's advice based on "oh, you're not me, woe is me, blah blah I had to suck thirty two dicks today to live in my tent and poo poo in my bucket." or any other type of argument; sometimes just having an outside perspective is better than having one from within (as a simplified (and sort of terrible example, financial advisers are usually better financial advisers than people who have no money). It's petty and childish, although considering you might be teaching high school students, make you king of high school. Another issue I would like to address is the joking and fun-having that I see you and toeshoes doing. Stop trying to troll the people helping you, if you don't see why this is wrong, try looking up the moral of The Boy who Cried Wolf. Jokes are for fun time, not for "oh poo poo, my back is hosed up, I have a lot of debt, and my spouse is currently eating pizza and buying lamps while I'm sitting on my poo poo bucket that doesn't have baby wipes and chocolate covered laptops" time. Do not reply with "well, show me how I recently did 'x'" (where 'x' = a criticism), because I'm not calling you out on anything, I'm trying to make you aware of behaviors that only screw you over. This is advice, I'm not calling you a piece of poo poo, I'm telling you how to act like an adult. Yes, I might crack the occasional joke, but that's because I'm not in the position where I am asking for help. I'm not mad at you, I'm just trying to improve your behavior so once you are debt free, you don't simply get right back on the basil covered poo poo haplesscardsharp fucked around with this message at 23:06 on Aug 12, 2013 |
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Aug 9, 2013 20:15
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haplesscardsharp posted:Tuyop, you're doing great. I want you to know that what I am about to say is not intended to hurt your feelings, and from what I've said in the past, I'm pretty sure you don't listen to me, but I have some advice for you. Thanks Dad. But seriously, we do appreciate the advice people give us, not this advice though.
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Aug 10, 2013 23:01
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ToeShoes posted:Thanks Dad. Thank you for proving my point. Although, technically, you aren't tuyop, so I can't be mad at your response. However, I can be incredibly disappointed in you.
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Aug 11, 2013 03:13
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haplesscardsharp posted:Thank you for proving my point. Although, technically, you aren't tuyop, so I can't be mad at your response. However, I can be incredibly disappointed in you. What would the ideal response be?
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Aug 11, 2013 04:36
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tuyop posted:What would the ideal response be? How about, "I appreciate your concern and will take your opinion into consideration in future posts"? Since it seems toeshoes (and perhaps you) don't care for and may not follow his/her suggestion, you could use this polite response to show a little respect while not making promises to change your behavior.
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Aug 11, 2013 05:20
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One may think one would follow those logical suggestions on the interweb. A lot of time has been wasted in this thread with some of the crazy banter. I mean really, a poo poo bucket? I find it entertaining, but how some of it goes down.... Not so entertaining. It's hard to pick up on inflection and sarcasm via text sometimes/frequently...
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Aug 11, 2013 06:00
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SiGmA_X posted:One may think one would follow those logical suggestions on the interweb. A lot of time has been wasted in this thread with some of the crazy banter. I mean really, a poo poo bucket? I find it entertaining, but how some of it goes down.... Not so entertaining. It's hard to pick up on inflection and sarcasm via text sometimes/frequently... Hey, composting your own waste is a goddamn excellent idea!  And I follow the financial advice of the thread pretty closely, as far as I know (ie. "don't buy a house", "minimize your cell phone bills", "don't sell your car"). The story here is pretty much, goon advice + significant cash windfalls = financial improvement. Sometimes someone in the thread just gets into some weird superior bullshit where they think this is like our whole lives, captured by a thread. Or some people don't like jokes about rooms full of cats or something. I mean, really, haplesscardsharp didn't really say anything except "C'mon now, let's be serious here you two!" and a couple of jokes mixed in there and some bullshit about how I'm going back to teach high school because I can't handle the Big Bad Adult World or something. "Logical suggestion" is right. I guess I'm sorry that we made jokes about the house and our living room lighting. Though the part about the increase in discretionary spending was true!
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Aug 11, 2013 14:25
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tuyop posted:I guess I'm sorry that we made jokes about the house and our living room lighting. Though the part about the increase in discretionary spending was true! Have fun in this thread all you like; this is still SA after all. But if you want to spin an elaborate yarn then laugh at the people who were taken in, well that only really works if the troll was ridiculous enough that they ought to have known better. Realposting about [sleeping in your car/making GBS threads in a bucket/building a glorified shed then living in it] then fakeposting about leaving the lights off is doing it wrong.
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Aug 11, 2013 15:45
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Edit: In simple terms consider the advice you are given. There, no fluff, no crude terms, no philosophic concepts, just straight up what I meant. haplesscardsharp fucked around with this message at 17:03 on Aug 12, 2013 |
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Aug 11, 2013 17:17
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haplesscardsharp posted:The normal format text above would have been fine; I crossed out the immature sarcasm, and if you were to really go the extra mile, I added (in italicizes) what would have been a good response to advice that was sincere, but what either of you felt wasn't really going to work for you two. Also, I added more rear end kissing to the thread, because they really have been helping you. Holy poo poo that might have been the most entitled thing I've seen on SA, ever. You're a dick. Anybody who's giving advice in one of these threads is doing it voluntarily, and if you do it expecting something in return - even just a lovely post of thanks-, you're doing it for the wrong reasons. If it happens, sweet, but good lord, what's wrong with you?
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Aug 11, 2013 18:30
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