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No because for each content-less post the ROI decreases for everyone else.
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Nov 4, 2014 00:04
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MrKatharsis posted:No because for each content-less post the ROI decreases for everyone else. gently caress you, post mine.
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Nov 4, 2014 00:13
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There's an archived thread in the Travel forum that I really want to read... but I didn't budget $10 in YNAB 
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Nov 4, 2014 01:19
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Renegret posted:So says the guy who paid $10 to post on the internet... Psssh this subforum and the Coupon subforum has more than re-paid the 10 bucks.
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Nov 4, 2014 02:11
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MJBuddy posted:Psssh this subforum and the Coupon subforum has more than re-paid the 10 bucks. The Zaurg thread alone was worth more than what I paid to see the stupid new Star Wars trilogy back in the day.
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Nov 4, 2014 11:43
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MJBuddy posted:Psssh this subforum and the Coupon subforum has more than re-paid the 10 bucks. I've never gone to the coupon subforum but I know I've saved more than ten bucks from goon discounts in SA Mart.
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Nov 4, 2014 12:33
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Renegret posted:I've never gone to the coupon subforum 
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Nov 4, 2014 14:52
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a worthy uhh posted:Buying Archives is bad with money Having Archives is pretty baller, dudebro.  Sorry about that. I thought the thread was in the Goldmine. It *should* be in the Goldmine.
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Nov 4, 2014 15:55
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I think I got coupons/deals and samart with archives so yeah it was worth it. Seriously my prescription glasses cost like $15 bucks and I bought some goon's sweet 6 month old gaming rig for like $450 bucks. Sephiroth_IRA fucked around with this message at 19:34 on Nov 4, 2014 |
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Nov 4, 2014 19:31
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Renegret posted:I've never gone to the coupon subforum but I know I've saved more than ten bucks from goon discounts in SA Mart. Not going to the coupons subforum = being bad with money
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Nov 4, 2014 21:29
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Sorry I'm sure you have a very nice subforum there and I'm sure I will check it out in the near future please don't be mad at me 
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Nov 4, 2014 21:51
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I saved 10 bucks on my first pizza order after joining! e. also got a great deal on domain hosting I rarely use!
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Nov 4, 2014 23:57
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oopsie rock posted:Not going to the coupons subforum = being bad with money 
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Nov 5, 2014 00:00
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Just signed up for a year of free credit monitoring from Home Depot thanks to the coupon thread and the wonderful Russian hackers! I just had to send an email with my name to some email address and they sent me a promo code. Do they even cross reference their point-of-sale database? Couldn't you just say you are John Smith? Pretty awesome.
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Nov 5, 2014 02:37
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Former employee of mine's brother received a fairly large sum of cash (roughly 350,000) as an inheritance after their father passed away. Neither him nor his girlfriend had a job at the time of the inheritance. Put half down on new vehicles. A GMC Sierra and a Chevy Tahoe. ~45,000 Put a down payment on a 350,000 house. 250,000 Fully furnished the house including an 80 inch television. Spend the rest on who knows what. All in all they spent 350,000 in the course of 6 months. They lost it all within a year because neither of them could keep a job.
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Nov 5, 2014 03:17
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God drat. What did the person you know do with their share?
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Nov 5, 2014 03:24
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ethical_rage posted:Former employee of mine's brother received a fairly large sum of cash (roughly 350,000) as an inheritance after their father passed away. 4% of that is $14,000. They could have drawn $14,000 of that annually almost forever, certainly as long as it would take for at least one of them to get a job to just supplement that. Christ.
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Nov 5, 2014 03:33
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Rick Rickshaw posted:God drat. What did the person you know do with their share? She was intelligent with her money (at least in comparison to her brother). She bought a modest house outright in the 200,000 range and banked the rest. Not sure if that lasted as I no longer have contact with her but she seemed set on saving for the future. Hyped fucked around with this message at 03:47 on Nov 5, 2014 |
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Nov 5, 2014 03:38
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It's a sadly common theme that people who have bad/no financial literacy piss away any sort of windfall in short order. See also: many athletes, pop stars, lottery winners, etc. A 350k inheritance managed intelligently would be a life-changing amount of money for most people. It's obviously not "gently caress you I'm rich" money, but that's a hell of a nest egg to piss away. Granted, 200k on 350k house isn't necessarily a bad move, but it is when you're unemployed and can't pay the 150k mortgage because you bought two brand new SUVs and a bunch of other consumer garbage.
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Nov 5, 2014 04:06
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Get that amount of money in your 20s or 30s and forget about retirement savings forever, just for instance. (Obviously not the BEST use of it if you're getting employer matching on your 401k or some other incentives, but goddamn TWO CHEVYS?)
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Nov 5, 2014 04:24
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pig slut lisa posted:4% of that is $14,000. They could have drawn $14,000 of that annually almost forever, certainly as long as it would take for at least one of them to get a job to just supplement that. Christ. Or they could have bought the $350k house and saved paying rent.
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Nov 5, 2014 04:45
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ethical_rage posted:Former employee of mine's brother received a fairly large sum of cash (roughly 350,000) as an inheritance after their father passed away. How did unemployed people get a mortgage and car loans, that doesn't make sense
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Nov 5, 2014 04:57
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BEHOLD: MY CAPE posted:How did unemployed people get a mortgage and car loans, that doesn't make sense Predatory lending.
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Nov 5, 2014 05:04
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BEHOLD: MY CAPE posted:How did unemployed people get a mortgage and car loans, that doesn't make sense Did you miss the part where they put down half or more down payment for both of those? Anyway that's sad but totally normal for when dumb people gett a windfall.
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Nov 5, 2014 05:06
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Zo posted:Anyway that's sad but totally normal for when dumb people gett a windfall. That's why I enjoy lottery stories so much, well, except for the ones where they lose the money and kill themselves. quote:William “Bud” Post, a 1988 lottery winner, died broke in 2006. What happened to his $16.2 million Pennsylvania lottery winnings? He spent it on houses, cars, boats, an unsuccessful family company and a twin-engine airplane (even though he didn’t have a pilot’s license). Within a year, he was $1 million in debt. His former girlfriend successfully sued him for part of winnings, his brother tried to hire a hit man to kill him. http://www.forbes.com/sites/deborahljacobs/2012/11/28/winning-the-lottery-isnt-always-a-happy-ending/
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Nov 5, 2014 05:12
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Zo posted:Did you miss the part where they put down half or more down payment for both of those? Putting down half on a loan or mortgage does not absolve you of the underwriting requirements to prove that you can pay the other half. Have you ever applied for a mortgage? It's a lot more complicated than writing a downpayment check and telling the bank you're good for the rest. Unless this happened in 2007.
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Nov 5, 2014 05:20
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Holy poo poo I stumbled across this clever way of paying off credit card debt. http://www.ehow.com/how_4532291_pay-off-credit-debts-lottery.html
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Nov 5, 2014 05:22
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quote:Tips & Warnings
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Nov 5, 2014 05:24
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Devian666 posted:Holy poo poo I stumbled across this clever way of paying off credit card debt. gently caress that's what I've been doing wrong this whole time. Not only does it seem like a sure bet (get it???), I don't think that's a way to wind up in more debt, either. It doesn't even seem like an almost certain way to wind up with a gambling addiction.
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Nov 5, 2014 05:28
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BEHOLD: MY CAPE posted:Putting down half on a loan or mortgage does not absolve you of the underwriting requirements to prove that you can pay the other half. Have you ever applied for a mortgage? It's a lot more complicated than writing a downpayment check and telling the bank you're good for the rest. Unless this happened in 2007. I'm pretty sure any bank will give you the okay on a 350k mortgage if you throw down 250k cash. So yes, it is that simple.
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Nov 5, 2014 05:38
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BEHOLD: MY CAPE posted:Putting down half on a loan or mortgage does not absolve you of the underwriting requirements to prove that you can pay the other half. Have you ever applied for a mortgage? It's a lot more complicated than writing a downpayment check and telling the bank you're good for the rest. Unless this happened in 2007. I don't know the details that in depth. Their father ran a successful fabrication/welding shop so it may have been a "family favor" from someone their father banked with. This was in 2009.
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Nov 5, 2014 05:47
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Devian666 posted:Or they could have bought the $350k house and saved paying rent. The really great thing about home ownership is the continual maintenance, utilities, and property taxes that have to be paid even on a paid-off house and that are proportional to the cost of the house, and would be impossible to pay without a job or savings.
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Nov 5, 2014 05:49
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Zo posted:I'm pretty sure any bank will give you the okay on a 350k mortgage if you throw down 250k cash. So yes, it is that simple. You are wrong about that
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Nov 5, 2014 05:50
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Devian666 posted:Holy poo poo I stumbled across this clever way of paying off credit card debt. By Kay Daniels, eHow Contributor Kay Daniels is a freelance writer with more than 10 years of experience writing and editing online. She has a bachelor's degree in psychology from Excelsior College, a certificate in copy editing from University of California, San Diego Extension, and is in her second year of medical school. Excelsior College is an online school. Certificate in copy editing. Medical school. 
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Nov 5, 2014 06:01
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pig slut lisa posted:By Kay Daniels, eHow Contributor There's literally an entire thread in this very subforum discussing how unqualified people make money writing garbage content.
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Nov 5, 2014 06:55
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PCjr sidecar posted:The really great thing about home ownership is the continual maintenance, utilities, and property taxes that have to be paid even on a paid-off house and that are proportional to the cost of the house, and would be impossible to pay without a job or savings. Well maybe they should have bought their lovely vehicles outright and spent the rest on moonshine.
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Nov 5, 2014 06:58
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Zo posted:I'm pretty sure any bank will give you the okay on a 350k mortgage if you throw down 250k cash. So yes, it is that simple. I can't see any lender floating you a 100k loan, regardless of the equity involved in the item or property that the loan is for, without checking your current employment and credit rating unless it's totally dodgy or, like CAPE wrote, it's 2007.
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Nov 5, 2014 07:02
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Dillbag posted:I can't see any lender floating you a 100k loan, regardless of the equity involved in the item or property that the loan is for, without checking your current employment and credit rating unless it's totally dodgy or, like CAPE wrote, it's 2007. I agree. This is a situation where truck equity would not provide the cash flow needed.
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Nov 5, 2014 07:13
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BEHOLD: MY CAPE posted:Putting down half on a loan or mortgage does not absolve you of the underwriting requirements to prove that you can pay the other half. Have you ever applied for a mortgage? It's a lot more complicated than writing a downpayment check and telling the bank you're good for the rest. Unless this happened in 2007. When the LVR is like 35% they won't care because either you pay them, or they take the house and sell it and take the money that way, unless the house's value massively tanks there's no way in which they don't win.
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Nov 5, 2014 07:16
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MJBuddy posted:There's literally an entire thread in this very subforum discussing how unqualified people make money writing garbage content. I'm morbidly curious about this. EDIT: Wait, I figured out which one it is (the legitimate online moneymaking thread)
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Nov 5, 2014 07:30
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