|
blackmet posted:Oh, and my cousin has decided to be a vet tech. Which is cool and all. But she's going to a for profit school for it. $10,000 per year. Located in an area with no reasonable way to get there except car from where they live now. She doesn't drive yet. My aunt does, but the car is always broken down. This will probably be trouble. Enrolling in a Vet Tech program that costs $10K/year is really bad with money.
|
#
?
Dec 22, 2014 20:54
|
|
|
|
| # ? May 15, 2024 11:01 |
|
|
Pompous Rhombus posted:There is a dude at the end of my parents' street who is literally out on his hands and knees (with a special pad) several times a week weeding or aerating or whatever his lawn. I usually spend 2-3 hours on Sunday mowing (crosshatch obvisouly), weeding and aerating, yeah. It's extremely calming.
|
|
#
?
Dec 22, 2014 21:51
|
|
|
FCKGW posted:I usually spend 2-3 hours on Sunday mowing (crosshatch obvisouly), weeding and aerating, yeah. Cheaper than therapy yet just as productive. Therefore, good with money.
|
|
#
?
Dec 22, 2014 22:01
|
|
|
FCKGW posted:I usually spend 2-3 hours on Sunday mowing (crosshatch obvisouly), weeding and aerating, yeah. This is what middle class adults did before yoga.
|
|
#
?
Dec 22, 2014 22:40
|
|
|
FCKGW posted:I usually spend 2-3 hours on Sunday mowing (crosshatch obvisouly), weeding and aerating, yeah. But having a lawn is BAD WITH MONEY!!(?!)
|
|
#
?
Dec 22, 2014 22:45
|
|
|
http://www.buzzfeed.com/sapna/how-to-run-out-of-cash-while-owning-half-of-american-apparel This guy who was making 800k a year is now couchsurfing. Also he owns half a company worth 200 mil, but he's down to his "last" 100k.
|
|
#
?
Dec 22, 2014 23:56
|
|
|
Anne Whateley posted:I'm more tired of the "cities are bad with money, they don't actually have any jobs there, everyone should live in the boondocks and work in a fantastic call center" from a certain poster. Maybe we could just drop both lines of debate. Here's a simple solution, instead of acting like he just insulted your mother and pissed on your pet, ignore it.
|
|
#
?
Dec 23, 2014 01:11
|
|
|
Dirk Diggler posted:Here's a simple solution, instead of acting like he just insulted your mother and pissed on your pet, ignore it. difficult to do when he does it so much and in such an obnoxious way though.
|
|
#
?
Dec 23, 2014 01:27
|
|
|
Dirk Diggler posted:Here's a simple solution, instead of acting like he just insulted your mother and pissed on your pet, ignore it.
|
|
#
?
Dec 23, 2014 01:30
|
|
i like nice words
|
Cities are pretty great and have lots of great advantages as well as disadvantages. Suburbs are pretty great and have lots of great advantage as well as disadvantages. Rural regions are pretty great and have lots of great advantages as well as disadvantages. It's almost as if...the truth...is in the middle?
|
|
#
?
Dec 23, 2014 01:34
|
|
|
Krispy Kareem posted:
No, they don't. But with my functional car, slightly bigger apartment that's in a slighty better part of town, and vast wardrobe of business casual schlubwear bought at places like Sears and Costco, I must look like it. I know better than to do more than bare minimum rescue. And, no, the dog is not being euthanized. I don't even think it's truly aggressive, just huge, boisterous, and in need of training. Which is now being forced on it by a municipality. Average salary for a vet tech in Denver is 28k a year. That's not good at all. Especially when you pay 30k for the privilege. Maybe I can steer her elsewhere, though apparently this is the only program in the city.
|
|
#
?
Dec 23, 2014 01:36
|
|
|
Renegret posted:Cities are pretty great and have lots of great advantages as well as disadvantages. No, you're wrong about everything and bad with money.
|
|
#
?
Dec 23, 2014 01:53
|
|
|
disheveled posted:No, you're wrong about everything and bad with money. noooooooooooo Maybe I should post my own thread and become the new Slowmo
|
|
#
?
Dec 23, 2014 01:58
|
|
|
blackmet posted:I know better than to do more than bare minimum rescue. From experience? If so, dish!
|
|
#
?
Dec 23, 2014 02:27
|
|
|
blackmet posted:
|
|
#
?
Dec 23, 2014 02:39
|
|
|
egoslicer posted:http://www.buzzfeed.com/sapna/how-to-run-out-of-cash-while-owning-half-of-american-apparel The AA guy is notoriously scummy. Most famously jacked off several times in front of a reporter during interviews and has multiple sexual harassment cases against him. No wonder they won't let him near the money anymore.
|
|
#
?
Dec 23, 2014 02:46
|
|
|
Aristotle Animes posted:Plus, as a vet tech I think you are required to have a stupid amount of pets on that salary as well. Two dogs and a reptile at the min I think. My vet tech friend works 70+ hours a week at a couple of bucks above minimum wage, and shares her one bedroom with two cats, a dog and half a litter of puppies that she's been trying to adopt out for the past two years. Also commutes about an hour each way (by bus) to work every day.
|
|
#
?
Dec 23, 2014 03:08
|
|
|
Cythereal posted:Or, in cases like mine, the local public transit simply doesn't go anywhere near to where you work. In my field (mechanical engineering), the jobs are largely located in industrial areas well away from any place the general public would regularly go. I would imagine that in many cities, those areas aren't given that high a priority with respect to public transit planning. It may also limit your options if you want to live somewhere where you could walk/bike to work.
|
|
#
?
Dec 23, 2014 03:38
|
|
|
FrozenVent posted:Also commutes about an hour each way (by bus) to work every day. I don't find a 1 hour bus commute both ways that bad at all, especially if it is a direct bus and near a commercial center where I could do after-work shopping. It's basically my "me" time in the morning where I read news and chat on the forums on my phone. It cost me about $5.50 a day in transport when I was doing it. Now I commute 15 mins on my bike for free at my current job, and don't pay for gym memberships or spend time dedicated to exercise. A 1 hour car commute though, that would kill me. And also be bad with money.
|
|
#
?
Dec 23, 2014 03:55
|
|
|
Renegret posted:Cities are pretty great and have lots of great advantages as well as disadvantages. You're right! The small town environment is in the middle, and is the best. Next best is a small city that has subsections that behave like small towns.
|
|
#
?
Dec 23, 2014 04:16
|
|
|
Rick Rickshaw posted:You're right! The small town environment is in the middle, and is the best. Next best is a small city that has subsections that behave like small towns. Ding ding ding! Agreement with me yay. An hour commute to work. That is two hours out if the day you could be making money or relaxing. Ugh that sounds horrible for the vet tech friend. Bad with money : pay down a car until you owe what it's worth then trade it in for the current year model. Payments are the same, man!
|
|
#
?
Dec 23, 2014 04:44
|
|
|
darkwasthenight posted:The AA guy is notoriously scummy. Most famously jacked off several times in front of a reporter during interviews and has multiple sexual harassment cases against him. No wonder they won't let him near the money anymore. I'd say constantly whipping it out is standard with those high power business types. Not letting him near the money probably has more to do with his mania and views on labour issues. He's a pretty interesting character.
|
|
#
?
Dec 23, 2014 07:57
|
|
|
Mantle posted:I don't find a 1 hour bus commute both ways that bad at all, especially if it is a direct bus and near a commercial center where I could do after-work shopping. It's basically my "me" time in the morning where I read news and chat on the forums on my phone. It cost me about $5.50 a day in transport when I was doing it. Now I commute 15 mins on my bike for free at my current job, and don't pay for gym memberships or spend time dedicated to exercise. Yeah, my last two years in Japan I had the option to take public transport, ride my bike, or drive myself. I'd usually prefer to drive so I could sleep in longer, but I'd do the bicycle if the weather was nice, or for the longer commutes (had multiple worksites, and monthly meetings in the capital about 50kms away) I'd take the bus or train if I had some more lesson planning I wanted to get done. Having a long car commute does suck though, podcasts/audiobooks can help, but I'd do anything I could to avoid it.
|
|
#
?
Dec 23, 2014 12:37
|
|
|
An acquaintance of mine recently complained about the following:quote:My stocks are down a combined average of 40%. And people want to know why I spend my money on cars and not invest more. I'll be paying them to retire at this rate... Take a guess as to the investment strategy he's pursued to achieve that rate of return. When pressured about diversification, he states: quote:I do have some other things altho I don't really put any money in it just rolls over. 2 stocks are 3d printing which I think will hit big in the future. 1 is a mining company my brother researched and said was good. It's down 2k now, so it's definitely not good. After that, he admits to not having a 403b from his job as a teacher, or any other retirement accounts. Just a brokerage account with individual stocks from a few companies. This person is in their young 30s and I can safely say that they don't know a drat thing about investing. I especially love the part about how he picked a stock because his brother researched it and said it was good. This is why Americans can't retire comfortably.
|
|
#
?
Dec 23, 2014 13:30
|
|
|
Inverse Icarus posted:From experience? I loaned $1,000 once back when I was in college. It was never paid back. But I was young and dumb, and that money is gone now, so forget it. My great-grandmother should have been a good warning, though. I was raised primarily by her, and she did an admirable job of keeping both of us fed, clothed, sheltered, and entertained on about $1,500 a month. She had a small, 25k nest egg from selling a small, falling apart house by a lake in Nebraska. (Fun fact: Based on what I found on Zillow, the people who bought it gutted it, added on to it, redesigned it inside and out, and flipped it for 5X what they originally paid for it 5 years after buying it. It was worth 300k 2 years ago, but somehow is only worth 200k now.) $1,000 went to my mom to put a down payment on a Nissan 240SX. Which was traded in for a Nissan Maxima that got repo'd while she was visiting some friends in the town the lake house was in. She ended up just moving in with a friend there, getting a job, and staying there for 2 years. When mom came back, she lived on our couch for about 6 weeks until my grandmother gave her the security deposit and first months rent on an apartment. $5,000 went to my aunt to help build an addition on a home her and my uncle owned. The house was an adequate 4 bedroom/2 bathroom 1970's split level. Why they needed to add another bedroom over the garage, nobody really knows. The house was foreclosed on before it was ever finished anyway. The rest just got killed in terrible investments. Oh, and then there was that one Thanksgiving that aunt and uncle were almost split up. Not having money for a dinner of their own, they picked up grandma and I and took us to the Country Buffet, mostly so she could pay for it. She got out her checkbook to do so, and of course, they'd stopped taking checks. So I ended up paying for it on my credit card. My uncle looked miserable, my aunt did a fake happy dance, the two of them ended having a massive argument at the table about her living with their drug dealer...in front of my at the time 12 year old cousin (who's now 24 and in jail after his 6th DUI), and my younger cousin who was maybe 6 or 7 at that time. Worst. Thanksgiving. Ever. She also knew when my grandma's social security check dropped, so there would be a visit on or around the 3rd of each month to get $50, generally when I was in school. My mother did this too, but ALWAYS separate from my aunt and somewhat less frequently. If my grandma said that my aunt or mom visited, my response was always "how much?" Usually $50, always for "youngest cousin's insulin." We explained many times my youngest cousin was on Medicaid, and the state covered it. She still gave the money every time. Ugh. This has now depressed me. But I hope y'all found humor in it.
|
|
#
?
Dec 23, 2014 13:48
|
|
|
blackmet posted:I loaned $1,000 once back when I was in college. It was never paid back. But I was young and dumb, and that money is gone now, so forget it. Sever
|
|
#
?
Dec 23, 2014 13:51
|
|
|
Jesus Christ, man. You did the right thing in only giving 20.
|
|
#
?
Dec 23, 2014 13:52
|
|
|
Cockmaster posted:In my field (mechanical engineering), the jobs are largely located in industrial areas well away from any place the general public would regularly go. I would imagine that in many cities, those areas aren't given that high a priority with respect to public transit planning. It may also limit your options if you want to live somewhere where you could walk/bike to work. I work at a university. The maps of my city's public transit and the university's public transit don't overlap and have a considerable distance between the nearest places I could hop off one and walk to the other.
|
|
#
?
Dec 23, 2014 14:16
|
|
|
a good with money tip: don't lend money to friends or family unless you're prepared for the "loan" to become a gift
|
|
#
?
Dec 23, 2014 15:17
|
|
|
Zeonic Weapon posted:An acquaintance of mine recently complained about the following: Anyone complaining that his stocks are down 40% while the Dow crushes records and the economy is growing 5% isn't probably that well versed in investing. You'd practically have to TRY to do that poorly in this year's market.
|
|
#
?
Dec 23, 2014 16:40
|
|
|
peter banana posted:a good with money tip: don't lend money to friends or family unless you're prepared for the "loan" to become a gift I don't understand how this happens. I had to take some loans from my parents while I was un(der)employed for a couple years in my early 20s. Ate rice and beans and carpooled for months to pay them back as soon as I got a job because I was so paranoid about something like that damaging our relationship. Being able to call and visit your family without awkward unasked questions haunting every interaction with them is worth more than any amount of money.
|
|
#
?
Dec 23, 2014 17:28
|
|
|
Taking care of your children is different, though. Every time I lend family money, it's always said that if it doesn't get paid back, then no more loans until it is. It's worked so far, even with my brother-in-law which took him awhile. Being the starving artist type, we didn't expect him to but he kept his word.
|
|
#
?
Dec 23, 2014 18:07
|
|
|
Renegret posted:Cities are pretty great and have lots of great advantages as well as disadvantages. So what you're saying is we should all go and buy an RV to maximize the advantages of each while still being able to claim residence in each?
|
|
#
?
Dec 23, 2014 18:23
|
|
|
Antifreeze Head posted:So what you're saying is we should all go and buy an RV to maximize the advantages of each while still being able to claim residence in each? if (insurance + gas < rent) then yes else no
|
|
#
?
Dec 23, 2014 18:26
|
|
|
Antifreeze Head posted:So what you're saying is we should all go and buy an RV to maximize the advantages of each while still being able to claim residence in each? http://np.reddit.com/r/vandwellers/
|
|
#
?
Dec 23, 2014 18:34
|
|
|
Renegret posted:if (insurance + gas < rent) Looks like I could get insurance for $1233 a year, gas is $115 a week for a full tank... that is $5980 annual, so $7213 for both or $601.08 monthly. That is way less than what a lot of people are paying for rent. And a motorhome at that price is probably way nicer than the average $600 apartment. Used 2010 Winnebago costs $52,000, assume a 15 year life span is another $290 per month. Brings the total to $891.08 every month. That has to be less than what many people pay in combined rent, car and insurance. So there we go: buy a Winnebago every 15 years, stock it full of beans and rice and live the BFC dream.
|
|
#
?
Dec 23, 2014 18:40
|
|
|
There was a really good article about them in Harper's. I'll try to dig it up if anyone is interested.
|
|
#
?
Dec 23, 2014 19:08
|
|
|
MrKatharsis posted:There was a really good article about them in Harper's. I'll try to dig it up if anyone is interested. I am absolutely interested. An acquaintance of mine used to live in a converted van in a parking lot for about a year down around Dayton. Supposedly he was showering at University facilities and getting adequate nutrition. On brutally cold nights during winter he said he couchsurfed. It's not like the guy was homeless, he had decent money.
|
|
#
?
Dec 23, 2014 20:09
|
|
|
A friend of mine who is bad with money herself bought a vampire in upstate NY for 5k that sleeps 4 & I think the total monthly cost is $300 or less with full electric, water, and waste hookups. The camp people ride around in golf carts drinking and playing par 3 golf all day. I can't say it isn't a little appealing.
|
|
#
?
Dec 23, 2014 20:21
|
|
|
|
| # ? May 15, 2024 11:01 |
|
|
xie posted:A friend of mine who is bad with money herself bought a vampire in upstate NY for 5k It's true, sourcing the blood can be expensive unless you try homeless shelters and orphanages first.
|
|
#
?
Dec 23, 2014 21:24
|
|
