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Dammit you fucks, stop making me laugh so hard in this humor thread.Switchback posted:You're getting your wife a gift intending to ridicule her for it later? Jastiger, abort! There is no true victory here, only Pyrrhic victory. Also, easy cleanup keeps getting cited as a reason to buy something. It's come up in the coffee thing, but this isn't the first time it's been raised. There are very few cleanup tasks I've encountered that can be individually improved enough to notice by using a disposable component. You save like a minute or so per cleaning task, at best. So to really have meaningful improvement to your free-time/quality of life, you have to buy lots of disposable products before the amount of time you free up is even noticeable. In aggregate, this is a lot more expensive and environmentally unsound. I try to avoid considering faster cleaning time as a reason for buying a disposable, single-use product. Not a Children posted:If you ~*really*~ wanna save money, kick your caffeine addiction and forget the coffee Amen. We buy the "nicer" store brand coffee at $5 per 12oz bag. Coffee is roughly 6% of my overall grocery budget for a family of 4, two of whom are small children. That's a pretty hefty for a single line item with no nutritional value that's only consumed by 2 people. Plus, you should kick it for a few months every year anyhow, just to maintain your caffeine sensitivity. Edit: canyoneer and Pompus Rhombus posted:dewdriver  Folly fucked around with this message at 18:32 on Dec 1, 2014 |
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Dec 1, 2014 18:30
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Geizkragen posted:http://www.dailymail.co.uk/news/art...kies-ready.html Working professionals in high quality jobs can't or refuse to understand the widening gap between them and the economic elite because the working professionals believe themselves to be part of the economic elite. Hey, lady: Yeah, your husband is a lawyer. Did you know that some people don't have to work? And sorry that foreign multi-millionaires designated your city as a great place to tuck away their fortunes for various reasons.
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Dec 1, 2014 18:41
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Pompous Rhombus posted:Back when I lived in Japan, there was a Costco about an hour and a half away. We'd normally get 3-4 people in car (1 or two of whom were members) and all do our shopping/get a cheapass lunch at the food court, then drive home, splitting the gas and tolls. For membership-based places like that, I'd think it wouldn't be too hard to convince a car-having friend/neighbour to do the driving if you got them in on your card and paid for the petrol. For sure, that's the way to do it. I rented a car this past weekend, which I used to get a big-rear end load of groceries from Costco. I also referee hockey, which is awesome, because it more than pays for the car while I have it. In fact, I think it paid for the car, gas, and all my groceries. What an efficient, BFC Approved weekend I just had.
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Dec 1, 2014 18:56
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Spermy Smurf posted:
I had one recently. I turned from one semi major street that was marked as a school zone onto another. But the other one didn't have the flashing light or anything stating "yes, this still a school zone," until you hit a sign saying "end school zone." It was too late by then. The officer gave me a ticket for going 39 in a 20. This is normally a 40 MPH zone. It cost $145. If he hadn't decided to cut me a break and not say it was in a school zone, it would've been $290. $300 tickets are very possible.
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Dec 1, 2014 19:15
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In Victoria, Aus, anything over more than...3% over the limit is a shitload of money. I was going 59 in a 50 zone and got a 300 dollar fine. Three demerit points. Nine more within three years and I get my license suspended for three months.
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Dec 1, 2014 19:23
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Authentic You posted:
Look into a Steam Mop. I got one for $50 from Amazon Warehouse and it's basically everything you like about the Swiffer except it runs on water and you don't need to put the "scent disk" they give you in there (or buy more of them) if you prefer. Also you can actually sanitize stuff.
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Dec 1, 2014 19:45
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So does nobody use the generic k-cups or what?
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Dec 1, 2014 19:54
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xie posted:Look into a Steam Mop. I got one for $50 from Amazon Warehouse and it's basically everything you like about the Swiffer except it runs on water and you don't need to put the "scent disk" they give you in there (or buy more of them) if you prefer. Also you can actually sanitize stuff. What sucks is that WetJets work really really well. I've tried using other mops, but my homemade formula streaks and takes too long to dry. I'd almost be okay with the added expense except my WetJets keep snapping at the neck. Charge me out the nose for the chemicals and pads, sure. But at least make the unit sturdy.
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Dec 1, 2014 19:54
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So I'm doing a diy Reno on my bathroom... To code, don't worry. No load bearing drywall. I'm putting in good tile for the first time. Are those steam mops good on printed porcelain? Since we are in the subject. I also hate poo poo with disposable parts. I barely even use paper towels because I bought a Costco pack of bar mops and just wash em.
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Dec 1, 2014 20:12
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Folly posted:Dammit you fucks, stop making me laugh so hard in this humor thread. As long as its a notch in the ole victory column, it doesn't matter if I lose the next one!
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Dec 1, 2014 20:22
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Series DD Funding posted:So does nobody use the generic k-cups or what? Also isn't coffee good for you or something? I thought I read that in moderation it wasn't bad for your body.
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Dec 1, 2014 21:20
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moana posted:Also isn't coffee good for you or something? I thought I read that in moderation it wasn't bad for your body.
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Dec 1, 2014 21:30
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Usually it's not a binary thing, stimulants in general do some good things and some bad things. Improved focus/memory trading off with increased heart rate/vasodilation is a common one. (Looking at just caffeine is easier than looking at coffee as a whole.)
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Dec 1, 2014 21:35
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Halloween Jack posted:unfiltered coffee is bad for your cholesterol  That makes me sad.
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Dec 1, 2014 21:49
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That daily mail article is awesome. quote:Annie forks out £300 a month on weekly massages and fortnightly facials, £150 every two months on having her hair cut and coloured at Toni and Guy and £200 a week on clothes which rarely see the light of day after she has hung them in one of her three giant wardrobes.
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Dec 1, 2014 21:59
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moana posted:aw poo poo I dunno, man, I have bomb rear end cholesterol and blood pressure and I drink like 2-4 cups per day. I'm really active though so ymmv.
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Dec 1, 2014 22:26
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Coffee is good for you in reasonable amounts and eggs are incredibly healthy. People who think you get bad cholesterol from eggs because they contain cholesterol are bad with nutrition. Also eggs are cheap and good with money :]
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Dec 1, 2014 23:19
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Saros posted:Living in London is bad with money. You're basically using up 10 hours of your free time walking (seems like taking the tube would be about 15 minutes?) every month to save £135. That's not too bad considering the exercise but I think I'd prefer to have time in my life back, especially if you can glean more value from your transit pass during nights/weekends.
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Dec 1, 2014 23:41
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NancyPants posted:I dunno, man, I have bomb rear end cholesterol and blood pressure and I drink like 2-4 cups per day. I'm really active though so ymmv. I know people who are healthy as can be and 80yo, and have smoked 1-2pk/day since they were 13, as well as being huge alcoholics. Recommended? No. YMMV.
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Dec 1, 2014 23:55
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SiGmA_X posted:I know people who are healthy as can be and 80yo, and have smoked 1-2pk/day since they were 13, as well as being huge alcoholics. Recommended? No. YMMV. I see what you're getting at, but a few cups of coffee in lieu of pop is not really equivalent to smoking a few packs a day or pickling your liver. Besides, the comment was about coffee and cholesterol, not coffee and overall health.
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Dec 2, 2014 00:21
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fiery_valkyrie posted:Annie forks out £300 a month on weekly massages and fortnightly facials I'ma need a name change to fortnightly facials, por favor
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Dec 2, 2014 07:51
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SiGmA_X posted:I know people who are healthy as can be and 80yo, and have smoked 1-2pk/day since they were 13, as well as being huge alcoholics. Recommended? No. YMMV. Imagine how healthy they would be if they didn't smoke and drink.
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Dec 2, 2014 08:47
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evobatman posted:Imagine how healthy they would be if they didn't smoke and drink. Content: http://www.reddit.com/r/personalfinance/comments/2nym7a/is_there_any_benefit_in_paying_extra_toward/ posted:Is there any benefit in paying extra toward mortgage principle if you plan on selling before it gets paid off?
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Dec 2, 2014 08:56
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SiGmA_X posted:Content: I'm glad Reddit exists and that people who don't understand basic stuff like this can ask and get actual answers.
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Dec 2, 2014 09:10
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Barry posted:You're basically using up 10 hours of your free time walking (seems like taking the tube would be about 15 minutes?) every month to save £135. That's not too bad considering the exercise but I think I'd prefer to have time in my life back, especially if you can glean more value from your transit pass during nights/weekends. Rush hour in Bank station is so loving awful I poo poo you not a good portion of the time walking is faster than taking the tube, plus the gym is about halfway between house-work and I usually make it there after work 2-3 times a week. I really need to get a bike but i'm holding out 2 more months for when my work will pay for one. I should still just get the pass, it is winter after all. Saros fucked around with this message at 14:36 on Dec 2, 2014 |
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Dec 2, 2014 13:31
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Saros posted:Rush hour in Bank station is so loving awful I poo poo you not a good portion of the time walking is faster than taking the tube, plus the gym is about halfway between house-work and I usually make it there after work 2-3 times a week. I really need to get a bike but i'm holding out 2 more months for when my work will pay for one. I don't know about faster but man not putting up with rush hour on the Tube is priceless, gently caress alla that. Good with money, good with time and good with sanity.
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Dec 2, 2014 13:35
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SuccinctAndPunchy posted:I don't know about faster but man not putting up with rush hour on the Tube is priceless, gently caress alla that. Good with money, good with time and good with sanity. Good with time and sanity, not so good with money. Sometimes. Me? I get the Thameslink two stops to work. Pretty drat smug about that. Bad with money: I had like 5 oyster cards sitting at home from various times where I had misplaced/lost/forgotten my normal one. Good with money: I cashed them all in for a fiver + remaining credit each.
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Dec 2, 2014 14:03
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SuccinctAndPunchy posted:I don't know about faster but man not putting up with rush hour on the Tube is priceless, gently caress alla that. Good with money, good with time and good with sanity. 10 mins waiting to get through the ticket barriers, another 10 on the platform while 4 trains go past before the crowd thins out enough to get on. By that point you just think "gently caress I could have walked it by now." 
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Dec 2, 2014 14:43
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SiGmA_X posted:
Doesn't this vary by loan, though? I paid an extra $10k on my mortgage a few years ago, and my monthly payments didn't change at all. I believe I have a simple interest loan with a locked APR.
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Dec 2, 2014 14:45
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Nocheez posted:Doesn't this vary by loan, though? I paid an extra $10k on my mortgage a few years ago, and my monthly payments didn't change at all. I believe I have a simple interest loan with a locked APR. Your monthly payments didn't change in total amount, but each month you paid 10k * monthly interest rate less in interest, which is the same amount of increase in the principle portion of your payment.
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Dec 2, 2014 14:51
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Holy poo pooquote:Credit Score: Under 650
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Dec 2, 2014 15:30
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Saros posted:10 mins waiting to get through the ticket barriers, another 10 on the platform while 4 trains go past before the crowd thins out enough to get on. By that point you just think "gently caress I could have walked it by now." If that's the alternative to walking 30 minutes I'd walk every time.
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Dec 2, 2014 15:51
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Margin Debt: $21,000 @ 3.5% Credit Card Debt: $22,000 @ 2% Soooo....he has a post-tax investment account worth at least $42,000 (or $21,000 after he covers the margin) and he's still carrying credit card debt. I guess those interest rates are low enough that it could make sense. Where did he find a credit card with a 2% interest rate?
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Dec 2, 2014 17:00
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Promo rate for the 2%.
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Dec 2, 2014 17:06
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Saros posted:Promo rate for the 2%. Specifically: "promotional 2% which after a year it jumps to 20%" http://www.reddit.com/r/personalfinance/comments/2ndokt/evaluate_this_guys_situation_sub_650_credit_93k/cmco3yz
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Dec 2, 2014 17:30
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jaymeekae posted:Specifically: Well, I have no idea what series of decisions lead him here, but assuming his margin account fits the standard model then the solution is fairly simple. Liquidate the assets, pay off $42k of his debt. That leaves him $1000 of CC debt and a $50k personal loan at a reasonable rate. I have no idea why he has post-tax stock account while in debt. Maybe he inherited it? (I'm probably giving him too much benefit of the doubt.)
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Dec 2, 2014 17:50
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Halloween Jack posted:I started reading the Mr. Money Moustache blog and I'm a little dismayed at how easy he says it is to cut transportation costs. I live in a small college town with mediocre-at-best public transit, which is set up to benefit cars rather than pedestrians or cyclists, and living close enough to bike to work would sent my rent soaring. That's before considering that my fiancee works two jobs spanning four locations, and both of us have time commitments outside of work. I've owned two cars that cost me less than $3k, and they actually ended up costing a lot more than that. I always get a kick out of those bits of advice because they so do not apply to a lot of places that people live. Or at least where I live (Winnipeg). There is somewhere between 12 and 18 inches of snow in places, including public sidewalks that haven't yet been cleared. And it is -35 with the wind chill. Riding a bike from November until April is pretty much a non-starter. Some people do it, but it is rather dangerous. And you need a decent bike, not a $100 Canadian Tire special if you really want to have a shot at it. Public transportation is so bad that from where I live to where I work would take between 55 and 66 minutes to go 4.4 km. Compare my eight minutes of driving to the fastest trip on the bus which includes 22 minutes of walking 9 of standing around and three different busses. For $5.10 round trip. The walk isn't too bad in the summer, but most of the distance I need to cover is along a major trucking route and breathing in exhaust for 50 minutes isn't a pleasant experience.
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Dec 2, 2014 17:54
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Biking 4.4 km can't be THAT dangerous, that should be super quick. I agree it would suck in the dead of winter, but it sounds pretty awesome for the rest of the year. It would almost certainly be reasonable to do all year with the right winter gear, and even moreso if you have a job that lets you work from home if there's a blizzard outside(when it's not particularly safe to drive either). Not owning a car is the really awesome but it sounds like that's not a place that's set up for it. Jeffrey of YOSPOS fucked around with this message at 18:07 on Dec 2, 2014 |
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Dec 2, 2014 17:59
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Antifreeze Head posted:There is somewhere between 12 and 18 inches of snow in places, including public sidewalks that haven't yet been cleared. And it is -35 with the wind chill. Riding a bike from November until April is pretty much a non-starter. Some people do it, but it is rather dangerous. And you need a decent bike, not a $100 Canadian Tire special if you really want to have a shot at it. People bike during the winter in Yellowknife. My sister lives there. I plan to bike all winter in Halifax, which is probably a bit of a joke compared to Winnipeg, but at least in Winnipeg you know what you're going to get. Here in Halifax the weather changes as often as Howie Mandel changes his underwear, and ice is a huge concern. I'm not saying you're being a wuss, but I think it's probably possible to bike in Winnipeg.
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Dec 2, 2014 18:06
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MMM lives in Denver, so it's not like his advice is coming from Arizona either. I bike all the time in Winter in Boston, which isn't that cold but isn't particularly hospitable. I used to bike to work every day, but my current (sucky) job requires me to move equipment around and report to different offices everyday, often without a place to change or store my stuff. I've gone back to $70/mo Train/Bus pass. There are some places the advice is 100% useless - I grew up on Long Island. You can't bike around LI full time, it's not possible, and unless you happen to be extremely lucky (or plan for it) you really can't take the LIRR to and from work.
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Dec 2, 2014 18:22
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