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There's a big ol' broken down Harley in the garage at my work. It has gathered at least 8 months worth of dust and the battery is sitting on the ground next to it. The tabs expired a year ago. If it were running it would be worth at least 8 grand but it's just going to poo poo. At least it will be a miracle find for the shade tree mechanic who eventually scoops it up.
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Jan 13, 2015 04:37
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Some funny things turn up when you search. I have found a law firm that specialises in RV and boat debt forgiveness. If that's the entire focus of the law firm that really says something about the debts people are clocking up. http://www.mccarthylawyer.com/types-of-debt/rv-and-boat-debt/ When your RV and boat are underwater I guess they can convert it to truck equity.
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Jan 13, 2015 04:53
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Devian666 posted:Some funny things turn up when you search. I have found a law firm that specialises in RV and boat debt forgiveness. If that's the entire focus of the law firm that really says something about the debts people are clocking up. quote:Fast forward to today, where many people are now stuck with dream RVs or Boats they can’t afford. What happened? Well, at least they're not wrong!
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Jan 13, 2015 04:59
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ohgodwhat posted:What is a smart way to deal with this, anyway? Anything better than an MBA?  ): Certificates or added skills, and jobs to match.
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Jan 13, 2015 05:23
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Devian666 posted:Some funny things turn up when you search. I have found a law firm that specialises in RV and boat debt forgiveness. If that's the entire focus of the law firm that really says something about the debts people are clocking up. I just did the analysis for an RV and Marine portfolio that was just purchased. It's surprising how high some of the interest rates are, and how low the default rate is.
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Jan 13, 2015 06:28
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ohgodwhat posted:What is a smart way to deal with this, anyway? Anything better than an MBA? Management route - go into project management I guess. Or the ever-so-trendy way of starting your own company doing something internetty.
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Jan 13, 2015 13:04
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tentish klown posted:Management route - go into project management I guess. This and pretty much anything consulting-y. Methodology coaching, Senior Analysis, Team Leading, etc. All the architects I know basically lucked into it.
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Jan 13, 2015 14:28
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ohgodwhat posted:What is a smart way to deal with this, anyway? Anything better than an MBA? Hell if I know, I can tell you that law school sure as hell isn't the answer. Actually, I do probably know somethingat this point. It's a pity I didn't back then. But here's what I'd advise based on my IT career: First, apply to other companies.IT promotions and raises don't come from your current employer as much as the come from the next one. (As mentioned, certifications help a lot with this.) Edit: And if you have a specific career in mind, smaller companies usually give you more free rein to lead, after which you can come back to the larger company with experience. Second, start thinking like a business. IT people notoriously consider the business aspects of their jobs to be boring. Trying to figure out how you could freelance is an excellent way to do this, even if you ultimately don't do it. But this will tell you how to answer interviews and how to appear valuable to the people who make promotion decisions. Third or alternatively, find a sideline. In most fields, and IT specifically, your actual career will progress more slowly than you feel ready. Find another way to progress so you stay ambitious. Folly fucked around with this message at 14:35 on Jan 13, 2015 |
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Jan 13, 2015 14:31
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ohgodwhat posted:What is a smart way to deal with this, anyway? Anything better than an MBA? I started doing the systems design work first, and the architect title got stuck to me after, but that's as much environmental opportunity as any hustling on my part. Working at a consultancy where we designed and built systems for clients definitely helped because the demands on time of the architects on staff exceeded our capacity. At an inert product shop or an internal IT department I honestly don't see how I could have gotten the same opportunity.
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Jan 13, 2015 15:15
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If you're at a largeish organization I find that they're usually willing to train you into a role if you work with a team on a project and express interest in moving into that field. I had someone from the NOC offer me a position flat out based on my skills in a completely seperate area and an expired certification from 2007. At least in my organization they completely overvalue familiarity with the environment and knowing you as a worker/employee. I had to turn it down because I was waiting for HR to make my current title official, but it happens. I'm 28 and unless I want to move into management (of people, not things, I work on the support side of things and it sucks) I've basically capped my career here. I hate being involved in the support chain (though thank god I don't do tickets anymore) and once your foot is in the door take on extra projects, volunteer to test new things, try and fail to automate/script stuff, etc. Just make it clear you're hungry to learn. This has always worked for me. I could make way more money in the private sector of course too but deep down I hate working and would prefer to work P/T xie fucked around with this message at 16:03 on Jan 13, 2015 |
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Jan 13, 2015 15:59
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I did basically this. I started in IT right out of school, and moved into a business unit when it felt like I wasn't progressing fast enough. In retorspect, it was one of the best decisions of my life.
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Jan 13, 2015 16:04
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ohgodwhat posted:What is a smart way to deal with this, anyway? Anything better than an MBA? I went back to school for a teaching degree. What's more recession proof than teaching? Oh, there's a housing market crash? Oh, schools make most of their money from property taxes on now rapidly depreciating homes? Oh, I live in a red state county that actually lowered property taxes rather than increase them to keep district budgets from cratering. Well, at least I still had my IT job. What, what? Oh, 3 years of unemployment followed. So yeah, not sure what's better than a MBA, but it's not a Masters in Early Education.
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Jan 13, 2015 16:27
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SiGmA_X posted:I am not in IT but my good friends are, so take this for what it is worth (nothing Nah; if you're at quote:the big bottleneck the architect level. more certs/skills aren't really useful (in most cases.)
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Jan 13, 2015 17:11
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xie posted:If you're at a largeish organization I find that they're usually willing to train you into a role if you work with a team on a project and express interest in moving into that field. This is true in many, many companies and not just in IT. Frankly, knowing for a fact that an entry-to-mid level employee shows up on time, learns quickly, and doesn't rub people the wrong way is difficult to overvalue. e: For instance, I was hired from the machine shop to engineering more or less based on these qualities and one line item at the bottom of my resume related to 3D modeling. Eugene V. Dubstep fucked around with this message at 18:15 on Jan 13, 2015 |
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Jan 13, 2015 18:10
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Dwight Eisenhower posted:I started doing the systems design work first, and the architect title got stuck to me after, but that's as much environmental opportunity as any hustling on my part. I was an app support team lead, but the architecture lead on our account needed some help due to resource constraints on his team. I had tangential knowledge of the product they were working with (and by tangential I mean I knew it was a competitor to another product I'm well versed in, I had never actually touched it) and got sucked into a project. After that project he offered me the opportunity to transfer to that team and have been there for ~ three years. Now I am trying to move into project management, which is surprisingly difficult to do when actually trying to do it. No opportunities at my employer have come up (and I've looked/asked around.. the PMO just went though several waves of RIFs), and everywhere else seems to want a PMP and years of experience, or is so entry level it would literally be a > 60% pay cut to work there and definitely Bad With Money. I don't have the PM hours required for a PMP, but am considering doing a bootcamp or online training just to put it on my resume that I'm working towards it.
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Jan 14, 2015 15:39
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It came from /r/bitcoin:
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Jan 14, 2015 20:16
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Guinness posted:It came from /r/bitcoin: Jesus tapdancing christ, how does anyone this dumb still exist?
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Jan 14, 2015 20:24
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What the gently caress is up with those fees
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Jan 14, 2015 20:26
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Cultural Imperial posted:What the gently caress is up with those fees Hey, at least someone is smart and making money off all this bitcoin bullshit. There ain't no Vanguard for bitcoin. Edit: And notice how those fees are charged in USD, not BTC. Like I said, someone smart is making money but it ain't the bitcoin "investors". Guinness fucked around with this message at 20:33 on Jan 14, 2015 |
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Jan 14, 2015 20:27
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Cultural Imperial posted:What the gently caress is up with those fees Paying 1% upfront is a small price to pay, your worthless fiat money will lose five times as much value in a month thanks to the fed's runaway money printing. Bitcoin is the future of money, stop paying fees to your bank and start paying it to
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Jan 14, 2015 20:29
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Hmmm yes let me store my assets, uninsured, in an unregulated, unbacked medium that can be hacked There is no way this could go wrong.
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Jan 14, 2015 20:44
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Not a Children posted:Jesus tapdancing christ, how does anyone this dumb still exist? And has $42,000~ cash to throw away.
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Jan 14, 2015 21:06
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Not a Children posted:Jesus tapdancing christ, how does anyone this dumb still exist? r/bitcoin They are the dumbest motherfuckers on the planet. They think every price drop is the time to buy in before bitcoin reaches $1m each. They seem blind to the repeated scams, ponzi schemes and failed unsecured exchanges that lose their money and bitcoins. So of course buying something with no intrinsic value is a great idea.
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Jan 14, 2015 21:32
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Not a Children posted:Hmmm yes let me store my assets, uninsured, in an unregulated, unbacked medium that can be hacked Reminds me of one of my favorite lines about bitcoin that I read after one of the many security breaches on the various exchanges: "It's like, one by one, bitcoiners are learning why the financial industry is regulated, audited, and insured." Also I love how bitcoiners rail against the fiat currencies of the world, completing missing the irony. Bitcoin isn't "backed" by anything except an algorithm and some imaginary numbers in a distributed database, and the only real "value" it has is that which is ascribed to it. The blockchain is a neat technology that will probably be made into other useful things, but Bitcoin itself is dumb as gently caress.
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Jan 14, 2015 22:00
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Guinness posted:The blockchain is a neat technology It actually isn't.
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Jan 14, 2015 22:20
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Guinness posted:It came from /r/bitcoin:  He's down $5200 in 6 hours.
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Jan 14, 2015 22:33
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Spermy Smurf posted:
So you're saying this is a great time to do another buy!
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Jan 14, 2015 22:44
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This is my favorite reply in that thread, to someone saying that until you cash out you should consider all $ spent on Bitcoins as lost:quote:If you already lost everything, you can only win from that point on.
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Jan 14, 2015 22:48
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xie posted:This is my favorite reply in that thread, to someone saying that until you cash out you should consider all $ spent on Bitcoins as lost: It's a roundabout way of saying bitcoins have no value. Guinness posted:"It's like, one by one, bitcoiners are learning why the financial industry is regulated, audited, and insured." From my perspective bitcoiners are going through all financial history in the span of a few years. The first bubbles to mtgox running a ponzi scheme to create a bubble (which reminds me of what John Law did to France). http://en.wikipedia.org/wiki/John_Law_(economist) Devian666 fucked around with this message at 00:09 on Jan 15, 2015 |
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Jan 14, 2015 23:27
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Bitcoiners aren't blind to Ponzi schemes. They seek them out. I'm not even joking. These are people who consider ponzis a good investment opportunity, as long as you're smart enough to pull out in time.
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Jan 14, 2015 23:40
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FrozenVent posted:Bitcoiners aren't blind to Ponzi schemes. Ah yes, the pull out method, effective for birth control and investing. 
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Jan 14, 2015 23:46
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Guinness posted:Ah yes, the pull out method, effective for birth control and investing. 
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Jan 15, 2015 00:12
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Last year I've made horrible, horrible financial decisions, one after another. I applied for social security disability income two years ago. I was well off for a while, living within my means while I go to college and live with my parents. I was very responsible, always paying my credit cards on time and in the fullest amount, I always paid off any debt I owned to the full amount as well. It wasn't until I dropped a class course during the summer semester one day too late after the drop a class deadline expired. I ended up with a $1700 I could not pay off, I waited and waited and waited until the college threaten to send a debt collector after me. My former friend at the time offered to help me, he paid the bill for me and I'd pay him off little by little, taking my time without fear of consequences. At the very same time, he and I planned a west coast travel for one month. I didn't have enough money for foods and other commodities. We agreed I'd paid him whatever I owned him once we returned home. Over the course of the trip, we got into many heated arguments to the point where I had enough of him and left to go home. Of course I agreed to pay him off, but then the circumstances had chanced, I no longer wanted to be his friend and there was a deadline to pay him back for the certain amount per month. We agreed after some arguments ensued. I was to pay him back $1400 back , $300 per month. Fine. At this same time my father had cancer and was under rehabilitation care after nearly getting killed by incorrect dosages during chemo therapy. He needed to learn how to walk again, and at this point all responsibilities was on my mother and I. She and I discussed about getting a car for me, because I could no longer depend on them for driving their car. She and I looked around until I selected a 2014 Honda Civic. My focus was on saving on gas and good car performance, not having to shell out more money for maintenance and repairs. The price was fair, my mother and I co-signed a 3 years lease payment, she would put down a down payment and I'd pay the lease bill and car insurance on my own. I figured I'd have enough money for myself. Except it was a horrible decision. I get only $500 from SSI because apparently this one time out of my 14 years of unemployment, I made $200 and that was enough to deduct the differences. poo poo, so I had to pay back my former friend, pay off car bill and insurances! I ended up borrowing money from my parents which only made me feel very lovely about the whole situation and of myself. Then of course I also had to pay another $1000 for college tuition bill that financial aids wouldn't cover. Eventually I got a lovely part time job as a high school coach assistant wrestler, the pay is absolute poo poo $400-$500 for the four months working there. Whatever, I had $350 from the check to pay off whatever I could pay off and wait for the remaining check to come in later in March this year. I blame myself for agreeing to this terrible, awful stressful financial decision. I will never rely on my parents when it comes to finance decision. I will never ask anyone for money. From now on I make the decisions. I was happy with the $500 a month, sure I can do better, but at least I wasnt struggling to buy foods or be stressed over bills. I still pay all the bills on time and pay off the debt to my former friend with nothing left for foods. It is such a terrible situation to be in and I will never get myself into again. I can only learn from this.
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Jan 15, 2015 00:25
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Sell your car, jesus christ.
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Jan 15, 2015 00:54
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moana posted:Sell your car, jesus christ. Yup, this is the answer until you can find more profitable employment. You appear to be a good candidate for your own thread in BFC if you need more assistance.
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Jan 15, 2015 01:13
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It's a lease. He has an income problem.
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Jan 15, 2015 01:18
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moana posted:Sell your car, jesus christ. Returning the car before the lease is up cost more, a LOT more. I am better off keeping the car until the lease is up. In the meantime I am taking time off from college so I can go look for a job that allows me to put real foods on the drat table.
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Jan 15, 2015 01:26
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Hingehead posted:Returning the car before the lease is up cost more, a LOT more. I am better off keeping the car until the lease is up. In the meantime I am taking time off from college so I can go look for a job that allows me to put real foods on the drat table. I also agree with IllegallySober- head on over to BFC, create your own thread, and provide the sub-forum with a detailed breakdown of your income and liabilities. At this point, a fresh perspective on your finances would be helpful. melon cat fucked around with this message at 02:53 on Jan 15, 2015 |
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Jan 15, 2015 01:49
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melon cat posted:I also agree with IllegallySober- head on over to BFC, create your own thread, and provide the sub-forum with a detailed breakdown of your income and liabilities. At thsi point, a fresh perspective on your finances would be helpful. That and we need a new thread to focus energy on - Dog is fine, KG is buckling down so there's not much to do until he can throw up some encouraging numbers, and SloMo is just trolling at this point. As an aside, Hingehead - I can understand making the drop/add mistake. It was dumb, but a lot of college kids mess this up. I can even understand borrowing from a friend (especially willing), although (as you now know) money and friendship don't mix. But why in the living gently caress did you decide to go on a one-month vacation with the friend who you owed a lot of money to? The end of the friendship was inevitable at that point, because no matter what the friend said they were bound to be resentful that they had just bailed you out because you were broke, then had to watch you face no consequences by living it up on vacation, and doing it with their money.
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Jan 15, 2015 02:00
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melon cat posted:I hope you don't mind me asking, but what's the severity of your disability? I'm only asking because maybe there's a line of work that you could be involved in that could be making you more money. And for what it's worth, you at least seem to have the right idea about the (painful) lesson learned. Some people keep screwing up financially, and never learn from it. I was born deaf ( Hard of hearing to be precise). I hear fairly well for the most of the time and I am oral dominant ( with some pronunciation issues, but it is not a major obstacle) with fluency in ASL. The problem however is the fact that it takes a lot of mental efforts to hear AND understand the spoken information and at the same time respond to the speaker appropriately. There are times where I just cannot seem to make out a word someone is saying no matter how much they repeat it, it just doesn't registers in my head. Because of this, I get anxiety and have a low self esteem despite that I am a fairly intellectual, handsome person.
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Jan 15, 2015 02:58
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