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Companies frequently also do credit checks for employment. It's the same situation as for security clearances - they want to make sure that the employees are less vulnerable to being bribed or stealing money. At my job, I didn't need a credit check to get the job originally, but later on when I needed to get access to money-related systems, the credit check was part of the process.
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Mar 22, 2014 21:56
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SiGmA_X posted:I wonder how much a "lot of debt" is. Could SloMo be in trouble?! Hahaha, could he not be in trouble? I mean, he's not exactly a risk-averse person. *drinks 45 redbulls while studying finance for 20 hours straight and then takes barbiturates at the opera in order to fall asleep with his crazy ex-wife* Ballin'!
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Mar 22, 2014 21:58
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Boris Galerkin posted:I thought the background checks a company does only pulls up police records and verifies that you've lived where you said you lived in the past 10 years. The debt thing for security clearances are completely different. No, a lot of civilian companies will pull credit reports/checks too. edit: beaten.
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Mar 22, 2014 22:17
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tiananman posted:On more than one occasion, I know he's spent a weekend at a hotel near his apartment just because he likes getting room service, ordering pay-per-view and not having to worry about cooking or cleaning... What the gently caress
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Mar 22, 2014 23:19
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corkskroo posted:What the gently caress Yeah, hasn't this dude heard of paper plates and ordering pizza??
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Mar 22, 2014 23:31
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Your Dead Gay Son posted:Yeah, hasn't this dude heard of paper plates and ordering pizza?? You got to throw out the box dude.
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Mar 23, 2014 00:58
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Your Dead Gay Son posted:Yeah, hasn't this dude heard of paper plates and ordering pizza?? Pfft, you tear the box lid to make plates. Now that I think of it, I'm enjoying not being in school anymore.
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Mar 23, 2014 02:49
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TLG James posted:You got to throw out the box dude. The neighbors in my building have a wall of pizza boxes outside their door. It's been there 2 months.
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Mar 23, 2014 03:24
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http://www.hbo.com/documentaries/pa...hSVpgIAXbkXOA== I don't think she's bad with money, though just a bad situation. Though I wouldn't give my kids faygo. TLG James fucked around with this message at 03:55 on Mar 23, 2014 |
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Mar 23, 2014 03:47
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Your Dead Gay Son posted:Yeah, hasn't this dude heard of paper plates and ordering pizza?? Have we learned nothing from zaurg? Paper plates are evil, immoral, and not economical!
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Mar 23, 2014 05:05
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tiananman posted:On more than one occasion, I know he's spent a weekend at a hotel near his apartment just because he likes getting room service, ordering pay-per-view and not having to worry about cooking or cleaning... Honestly? I've done that a few times. Didn't order pay-per-view or room service but yeah, $50 for a Hotwire special at a 4 star hotel makes for a cheap stay-cation.
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Mar 23, 2014 05:28
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BigDave posted:Honestly? I've done that a few times. Didn't order pay-per-view or room service but yeah, $50 for a Hotwire special at a 4 star hotel makes for a cheap stay-cation.
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Mar 23, 2014 05:41
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SiGmA_X posted:I don't get it. What's the appeal? The beds. And the showers. And getting shitfaced with no one watching. EDIT: And the illusion of taking a vacation when you can't afford the real thing.
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Mar 23, 2014 05:43
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SiGmA_X posted:I don't get it. What's the appeal? Yeah I don't get it either. Just go to a campsite or something. At least there's fire.
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Mar 23, 2014 05:50
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It's best not to let the escorts know where you live.
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Mar 23, 2014 06:05
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tuyop posted:Yeah I don't get it either. Just go to a campsite or something. At least there's fire. Most of my friends are 25 year old man-childs who live at home, so getting a hotel room downtown is not much more than a cab ride back to their parent's house. It's not really bad with money, just kind of bad with life.
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Mar 23, 2014 06:22
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Harry posted:It's best not to let the escorts know where you live. This is of course the real reason.
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Mar 23, 2014 09:20
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I imagine staying the weekend in a hotel, if you can get one for the prices BigDave is quoting, can be a nice break from room mates. Just imagine. Someone else cleaning up for once while you're away.
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Mar 23, 2014 10:05
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RommelMcDonald posted:I imagine staying the weekend in a hotel, if you can get one for the prices BigDave is quoting, can be a nice break from room mates. Like a cleaner who would cost significantly less if you spit the bill with your roommates. While living with 3 other guys at University who were even lazier than me, we used to get a lady in twice a week who would do everything from clean the place to do our laundry. It was definitely worth the $50/week each it cost, it seems high, but we never cleaned the place, we never washed dishes and we never did any of our own laundry. She did it for us, some other 4 person household and just cleaned another on the spare day, she was making a cool $1k/week cash money. We were probably terrible with money paying someone to clean up for us because we were lazy slobs, but she definitely had it figured out making that sort of money doing basic household chores for manchildren.
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Mar 23, 2014 11:00
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From /r/personalfinance:quote:When I started my job I filled out my W2 wrong and put an extra dependent. Fast forward to last tax season and my returns show that I owe a little under $400. I still have not taken care of that for various reasons. Yeah, it's totally fine, man, just pay the IRS whenever you get around to it.
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Mar 23, 2014 15:01
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Is putting the wrong number of dependents illegal? I kind of wish my job didn't withhold for me at all...
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Mar 23, 2014 17:32
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Jeffrey posted:Is putting the wrong number of dependents illegal? I kind of wish my job didn't withhold for me at all... No, you can put whatever you want down for withholdings, but if you claim too many you will just end up owing more money at the end of the year.
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Mar 23, 2014 17:39
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Shadowgate posted:No, you can put whatever you want down for withholdings, but if you claim too many you will just end up owing more money at the end of the year. Well yeah, I don't mean as a way to get out of paying, I just want to make money off of it during the year. Maybe doing this on margin is stupid, but I wonder if, assuming a salary rising only with inflation, you'd come out ahead historically doing this every year and buying index funds. You obviously need enough of a buffer to cover the loss if things crash...
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Mar 23, 2014 17:53
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You will be penalized at year end if you weren't withholding enough throughout the year.
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Mar 23, 2014 18:08
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gently caress, beaten. Anyway, there is a threshold, but it's too low to make this worth it even if the market has a really good year.
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Mar 23, 2014 18:11
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But if I can realize gains of $200 and beat the $175 penalty I win right!?
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Mar 23, 2014 18:22
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corkskroo posted:But if I can realize gains of $200 and beat the $175 penalty I win right!? See publication 505 for more details. It's *massively* easier not to mention smarter to just pay as you go. Don't over withhold, but don't pay stupid tax (penalty) because you're trying to gain an absurdly minimal amount of money.
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Mar 23, 2014 18:45
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SiGmA_X posted:One must be in a realllly low tax bracket to make that worth it. So low that one probably doesn't 'save' jack poo poo by doing this because the withholding is minimal anyway... Yeah I looked into it and the penalty is pretty high, and percentage based. It would have made me a bunch of money last year, but it was an atypical year and the penalty is high enough that it doesn't make sense to do in the average year.
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Mar 23, 2014 19:07
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It's pretty hard to get penalized unless you're just really trying to game the system hard.
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Mar 23, 2014 20:14
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Harry posted:It's pretty hard to get penalized unless you're just really trying to game the system hard.
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Mar 23, 2014 20:48
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Harry posted:It's pretty hard to get penalized unless you're just really trying to game the system hard. There's a couple of intricacies, but generally if you under-withheld W2 wages by more than $1000 you pay a (IIRC) 10% penalty.
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Mar 23, 2014 20:58
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More reddit, this time from the comments on a story in the economics subreddit about how many middle class families have no cash savings even though they have other assets:quote:[–]lechoen 45 points 1 day ago quote:[–]Iron-Fist 60 points 23 hours ago quote:[–]BoboLuck 4 points 23 hours ago
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Mar 24, 2014 00:56
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Mr.Radar posted:More reddit, this time from the comments on a story in the economics subreddit about how many middle class families have no cash savings even though they have other assets: I've always wondered why people flip out and sell during a market downturn. Now I don't.
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Mar 24, 2014 01:03
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Mr.Radar posted:More reddit, this time from the comments on a story in the economics subreddit about how many middle class families have no cash savings even though they have other assets: Actually accurate if you have a large amount of money in indexed investments and if an emergency fund portion is less than lets say 2-3% of your total money. Since the emergency fund is very tiny, you can simply sell off a very tiny portion to pay for the next few months, and you would still likely get an OK return on the investments you sold. If you don't fall into said category, however, then not having an emergency fund is indeed stupid.
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Mar 24, 2014 01:11
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What's the cutoff limit for being penalized by the IRS for not withholding enough? According to my numbers I should owe the IRS like less than $100 next year. I hope this doesn't gently caress me over.
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Mar 24, 2014 01:45
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Boris Galerkin posted:What's the cutoff limit for being penalized by the IRS for not withholding enough? According to my numbers I should owe the IRS like less than $100 next year. I hope this doesn't gently caress me over. http://www.irs.gov/taxtopics/tc306.html Relevant quote quote:Generally, most taxpayers will avoid this penalty if they owe less than $1,000 in tax after subtracting their withholdings and credits, or if they paid at least 90% of the tax for the current year, or 100% of the tax shown on the return for the prior year, whichever is smaller. There are special rules for farmers and fishermen, certain household employers and certain higher income taxpayers. Please refer to Publication 505, Tax Withholding and Estimated Tax, for additional information.
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Mar 24, 2014 01:58
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Mr.Radar posted:
 This needs to be the thread title somehow.
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Mar 24, 2014 02:00
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Man I wish I knew where this masturbatory love for index funds came from; yeah generally index funds safely rise year after year, but thinking they always go up is just as dumb as thinking anything will always go up. Markets correct themselves and what do you do if you're regarding an index fund as a savings account and the market decides it's time to correct itself when you're 64?
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Mar 24, 2014 02:08
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pathetic little tramp posted:Man I wish I knew where this masturbatory love for index funds came from; yeah generally index funds safely rise year after year, but thinking they always go up is just as dumb as thinking anything will always go up. Markets correct themselves and what do you do if you're regarding an index fund as a savings account and the market decides it's time to correct itself when you're 64? Not sure if sarcasm but you're correct that a 100% equity portfolio at 64 is not a great idea.
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Mar 24, 2014 02:13
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It's not like have to cash out on your 65th birthday either, you just take out what you need that year and then ride it back up as you age. Anyone who was 64 in 2008 is sitting pretty now if they didn't cash everything out.
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Mar 24, 2014 02:15
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