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Staryberry posted:When I entered law school, there was an orientation seminar about minimizing your student loan debt. The speaker suggested that we shouldn't go to the grocery store, because we'd be too busy studying and our groceries would just go bad. Instead, we should just eat out or order in for lunch and dinner. I don't remember anything else she told us, because that was the stupidest thing I'd ever heard. This is layered bullshit. That person was not actually giving advice. She was, in fact, bragging about how hard she wants you to think she works. At the same time, she is convincing herself that they money she's spending to be lazy is worth it. She probably highlights every drat word in her casebook. She'll be padding her hours soon enough. Content: I know a family who bought annual passes to Disney. This wasn't a bad decision per se, because they were there often enough that the annual passes were the better deal. I'd say about 4 or 5 trips each year, with at least one week long vacation. Here's the bad with money part: they live more than a day's (~24h) drive from Disney. Also, I'm pretty sure they get one of the pricier meal plans. I have a co-worker who's the same way. All I hear him talking about over the walls of our cube farm is his last Disney trip or his next one What is it with Disney? I know my kid wants to go, and I've taken him once. I'll probably even do it a couple more times. So I know Disney has a hook in me because they've marketed it so well that, as a parent, I feel that this is one of those experiences I should provide for my kids or they'll feel left out. But I don't understand the attitude of shoving more hooks in your mouth while telling yourself the bait tastes delicious. Edit: Don't change from a singular subject to a plural subject after you make the post. You'll keep missing verbs and sound like an idiot. Folly fucked around with this message at 15:04 on Apr 22, 2014 |
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Apr 22, 2014 14:36
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Some of the rides are fun and there are some interesting attractions. It's also not trashed out like most of the amusement parks near me. I wouldn't think it's worth going to more than twice though.
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Apr 22, 2014 14:55
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Harry posted:Some of the rides are fun and there are some interesting attractions. It's also not trashed out like most of the amusement parks near me. I wouldn't think it's worth going to more than twice though. I've been three times, and yeah the second time is way too loving much.
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Apr 22, 2014 14:59
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I never went as a kid, but I always looked forward to our near annual great America trips. I don't feel as if I missed anything by never going.
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Apr 22, 2014 15:07
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My parents took me to Disney World once when I was eight and while it was fun I don't remember ever asking to go back.
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Apr 22, 2014 15:37
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We've had another kid since we went the first time. I can't take one kid and not the other. So I'll be back at least one more time. With these other families, I do get the feeling that the parents are driving the hype and the kids are just along for the ride.
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Apr 22, 2014 15:39
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Looking back, I think there are plenty of places I would rather have gone when a kid than Disney World.
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Apr 22, 2014 15:51
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Nail Rat posted:Looking back, I think there are plenty of places I would rather have gone when a kid than Disney World. I thought Universal Studios was wayyyy better.
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Apr 22, 2014 16:04
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Went once, was happy to do so, enjoyed Parc Asterix in France way the gently caress better.
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Apr 22, 2014 17:29
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Sudden Infant Def Syndrome posted:I thought Universal Studios was wayyyy better. Yeah going to Nickelodeon Studios at Universal was a childhood highlight for me.
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Apr 22, 2014 17:30
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I have an annual pass but I also live twenty minutes away so I can stop by for an hour without it being ridiculous.
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Apr 22, 2014 17:57
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Folly posted:This is layered bullshit. That person was not actually giving advice. She was, in fact, bragging about how hard she wants you to think she works. At the same time, she is convincing herself that they money she's spending to be lazy is worth it. She probably highlights every drat word in her casebook. She'll be padding her hours soon enough. This is not "bad with money" so much as "people spending money in ways I don't think they should be". Some people really like Disney, unless you can show that they are missing mortgage payments to pay for those passes you really have no place to talk.
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Apr 22, 2014 18:19
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Magic Underwear posted:This is not "bad with money" so much as "people spending money in ways I don't think they should be". Some people really like Disney, unless you can show that they are missing mortgage payments to pay for those passes you really have no place to talk. Well, he was maxing out his student loans at the time. Is that good enough? But really, you don't think that somewhere around $5-10k a year at Disney (my estimate based on travel and lodging) is excessive enough to be bad? Edit: Woops, my drive time estimate is off. It's more like 16 hours from where he lived. That's a big difference. Sorry, I was remembering my last drive to Miami and adding a couple of hours to that to deal with kids. Folly fucked around with this message at 18:29 on Apr 22, 2014 |
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Apr 22, 2014 18:24
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If people can afford the vacations I don't have a problem with them taking as many as they want or what they pay. It's the part where they just go to Disney every year that I don't get. I had a childhood friend whose family did that. If you're gonna drop a few G's on a vacation at least branch out a little bit.
nickutz fucked around with this message at 18:31 on Apr 22, 2014 |
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Apr 22, 2014 18:28
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It's weird and probably myopic but I wouldn't say it's necessarily bad with money. That said I guess it still makes for an entertaining story in this thread
waffle fucked around with this message at 19:12 on Apr 22, 2014 |
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Apr 22, 2014 18:35
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Folly posted:Well, he was maxing out his student loans at the time. Is that good enough? It's still really small-minded and petty. It's just people who aren't you spending their money in ways that you wouldn't. It isn't a problem with them (they're saving money with the annual pass for god's sake). The fact that other people's value judgements can be valid is something you'll have to learn eventually. For real "bad with money", just look back in this thread for the guy with 10 maxed out credit cards, a bunch of poo poo from a rent to own store at 300% cost, and a fixed income. That's the real poo poo, that's what makes this thread good.
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Apr 22, 2014 18:38
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There's a lot of that in this thread. For every funny story about a real idiot with their money, there's someone else(who is probably buying sixty dollar videogames) taken aback about the way someone else spends actual disposable income. The reddit dude from the previous page, that's what this thread should be.
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Apr 22, 2014 18:40
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If you consider pphoe (price per hour of entertainment), video games are actually a very good investment.
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Apr 22, 2014 18:50
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Nail Rat posted:The reddit dude from the previous page, that's what this thread should be. Yes, like this one: reddit posted:Hello PF, I'm not quite sure if this is the appropriate location to submit such a question, but everyone on here seems to be quite knowledgeable about many things related to finance. I am 19 and not sure how to proceed. She makes the right choice in the comments, thank God.
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Apr 22, 2014 19:10
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gigawhite posted:If you consider pphoe (price per hour of entertainment), video games are actually a very good investment. Not when compared to a library book.
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Apr 22, 2014 19:11
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Bloody Queef posted:Not when compared to a library book. But it's comparable to buying a book. I don't really get books out of the library any more because I'm terrible about returning them and I'm pretty choosy with what I read so usually want to keep most books I read.
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Apr 22, 2014 19:23
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pathetic little tramp posted:Yes, like this one: Holy poo poo. The "I only make minimum wage at a movie theater" caught me off guard but I guess those are the people these schemes prey on because most people know better than that.
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Apr 22, 2014 19:24
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both are ripoffs compared to pirating books if we're really going down this road
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Apr 22, 2014 19:27
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Jeffrey posted:both are ripoffs compared to pirating books if we're really going down this road The library is free, I ride my bike there
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Apr 22, 2014 19:28
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spwrozek posted:The library is free, I ride my bike there That energy you're burning pedaling the bike cost money you imbecile. Stop moving so much and save money
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Apr 22, 2014 19:29
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gigawhite posted:If you consider pphoe (price per hour of entertainment), video games are actually a very good investment. You could make that argument about a 2 week vacation that costs $2000. In other words, the only valid vice is my vice.
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Apr 22, 2014 19:30
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I was just trying to point out that borrowing things for free is an unfair comparison when the thing in question is bang-for-your buck comparison of entertainment. Buying books, movies, and video games all have similar "hours of entertainment per dollar" values.
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Apr 22, 2014 19:32
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Jeffrey posted:both are ripoffs compared to pirating books if we're really going down this road I just use my imagination, and entertain myself for hours My sister mentioned the other day about how she put a Disneyland trip on credit cards a few years ago when her husband was unemployed (to be fair, he was unemployed a lot). Her kids probably don't even remember it, and she realized that by the time they'll have paid it off, with the amount she spent she could have done the trip in one of the $300/night hotel rooms.  People can vacation however they want, but I know a few people who just MUST take their annual family Disneyland trip, regardless of whether or not they can afford it that year. Also bad with money? Boat owners who don't live right next to a body of water or have a ton of money to burn. Owning a ski boat is a rich person's game.
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Apr 22, 2014 19:32
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Smart rich people rent their boats (possibly for the season) and leave the hassle to someone else.
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Apr 22, 2014 19:40
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Boats are insane. If I remember correctly my dad paid 1k/month dock slip and 6k/year dry docking for winter (can't remember the exact numbers, those could be wrong). Not to mention all the hours he spent on the weekend waxing it and doing general maintenance. Luckily he bought it used. Well maintained used boats seem to hold their value (at least back then) so he pretty much sold it for just a little under what he originally paid.
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Apr 22, 2014 19:43
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gigawhite posted:That energy you're burning pedaling the bike cost money you imbecile. Stop moving so much and save money Let's start a firm that profits off of others' opportunity costs. We'll make millions on interest alone.
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Apr 22, 2014 19:51
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Bloody Queef posted:Not when compared to a library book. Or compared to the satisfaction that comes from a job well done.
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Apr 22, 2014 19:57
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Magic Underwear posted:It's still really small-minded and petty. It's just people who aren't you spending their money in ways that you wouldn't. It isn't a problem with them (they're saving money with the annual pass for god's sake). The fact that other people's value judgements can be valid is something you'll have to learn eventually. Ah. I guess I edited out the line where I expressly mentioned that most of those trips were long weekends. We're talking about $1000 of driving and 30 hours in the car to get probably less than 30 hours in the park. And it was at least partially funded by student loans and/or credit card debt. But Disney wasn't the waste, the excessive travel by car was. Disney was just the slightly creepy hook. I dunno if that makes a difference to you, but most of it who watched it happen were a little dumbfounded.
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Apr 22, 2014 20:20
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It is crazy to me how much people justify driving over other forms of transportation because there's no up-front cost.
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Apr 22, 2014 20:34
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I'm also continually amazed at how little people value their own time. Combine that with ignoring actual cost of owning/maintaining/driving a personal motor vehicle and you get some really bizarre uneconomical behavior. Like people who will go out of their way to avoid a $3 toll bridge, but to do so takes them an extra 30+ minutes of time and driving an extra 5-10 miles in heavy traffic. I get it that tolls are obnoxious and I don't like them either, but jeez that's less than the Starbucks drink that you just know they're slugging down while they avoid the toll.
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Apr 22, 2014 20:51
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Guinness posted:I'm also continually amazed at how little people value their own time. Combine that with ignoring actual cost of owning/maintaining/driving a personal motor vehicle and you get some really bizarre uneconomical behavior. People are broken, I've seen that behaviour the most with gas prices. I can't count the number of times I've been told "Dude, why are you going here, it's 10 cents cheaper a gallon the next town over. I can't beleive you are wasting soooooo much money!!!" Yeah, I'm wasting the $1.40, by not driving 10-15 minutes out of my way.
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Apr 22, 2014 21:41
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canyoneer posted:Owning a ski boat is a rich person's game. My uncle once told me if I wanted to experience what it's like to own a sail boat I should just stand in an ice cold shower and tear up hundred dollar bills.
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Apr 22, 2014 21:53
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My landlord owns a full-service (detailing, maintenance, etc.) boat housing place in Sacramento. I think his facility houses 200 boats right now. Getting rich off people who can't maintain their own boats is definitely the way of not being bad with money.
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Apr 22, 2014 21:53
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Bobert51 posted:My uncle once told me if I wanted to experience what it's like to own a sail boat I should just stand in an ice cold shower and tear up hundred dollar bills. Oh. I want to own a sailboat. Except as a house. 
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Apr 22, 2014 22:04
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Jeffrey posted:Smart rich people rent their boats (possibly for the season) and leave the hassle to someone else. If it flies, floats or fucks: rent it.
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Apr 22, 2014 22:04
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