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Centripetal Horse posted:This is the lesson I think a lot of modern retailers need to learn. There's a reason I don't buy shoes online, and there are plenty of other items that demand to be held and tried on before you make a purchase. It's odd how so many retailers managed to change and adapt as the box store model began to dominate, but can't seem to go back in the other direction. I think a lot of these places could survive if they were to shrink back down to a couple of knowledgeable employees in a strip mall unit, or a small stand-alone. In relation to Bain? Uh yeah, that's exactly what is profitable.
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Feb 9, 2015 21:57
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Centripetal Horse posted:This is the lesson I think a lot of modern retailers need to learn. There's a reason I don't buy shoes online, and there are plenty of other items that demand to be held and tried on before you make a purchase. It's odd how so many retailers managed to change and adapt as the box store model began to dominate, but can't seem to go back in the other direction. I think a lot of these places could survive if they were to shrink back down to a couple of knowledgeable employees in a strip mall unit, or a small stand-alone. If the world was to lose all of its MBA class it would be a richer and better place.
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Feb 9, 2015 22:03
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Uber puff piece contains this gem:
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Feb 9, 2015 22:04
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The numbers are probably skewed up for effect but owning a car in the most expensive metro in the USA is definitely not cheap. Getting rid of it and using public transit and uber/lyft to fill in the gaps is going to save you plenty of money.
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Feb 9, 2015 22:13
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My Rhythmic Crotch posted:Uber puff piece contains this gem: If these numbers are true, and the tone of the article accurately reflects the author's personality, I'm pretty sure you found the living manifestation of the word "twit" Also  at getting nearly $5k in tickets every year.
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Feb 9, 2015 22:20
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Jesus tap dancing Christ I have a bunch of friends who literally don't care where they park and I don't think their yearly tickets combined would reach $5k. Granted, our tickets are cheaper in some areas.
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Feb 9, 2015 22:24
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Blue_monday posted:Jesus tap dancing Christ I have a bunch of friends who literally don't care where they park and I don't think their yearly tickets combined would reach $5k. Granted, our tickets are cheaper in some areas. If you're budgeting (sort of, her numbers don't add up) for a $500 red light, $172 speeding and droves of parking tickets a month, you'd be drat near coming out ahead hiring a full time car service for that alone.
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Feb 9, 2015 22:43
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In the comments he says he also moved, so he went from a 30 minute commute to a much shorter, unspecified commute distance.
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Feb 9, 2015 22:59
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 30 year old dude spends $1k monthly on fast food, doesn't own a fridge, asks people to make a grocery list for him among other things. https://www.reddit.com/r/EatCheapAndHealthy/comments/2vbf4n/i_was_apparently_not_prepared_to_take_care_of/
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Feb 9, 2015 23:26
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Barry posted:If you're budgeting (sort of, her numbers don't add up) for a $500 red light, $172 speeding and droves of parking tickets a month, you'd be drat near coming out ahead hiring a full time car service for that alone. The speeding and red light tickets are a once-a-year deal. Still, pretty ridiculous. I've been driving nearly a decade and I've never run a red light 
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Feb 9, 2015 23:33
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Lblitzer posted:
I thought I spent too much on food but this guy is in another realm. No fridge is the biggest disaster.
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Feb 9, 2015 23:39
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Not a Children posted:The speeding and red light tickets are a once-a-year deal. Still, pretty ridiculous. I've been driving nearly a decade and I've never run a red light I saw a guy the other day try to beat a yellow before it turned red and as soon as he passed under it, the schadenfreud-iest camera flash I've ever seen went off. Red light tickets in Seattle are, well, not very cheap. Edit: $2700 in eating out per month  I thought my spending $400/month for two peoples' groceries was high. I can't even
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Feb 9, 2015 23:40
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Alt Take: Dumbass driver let's someone else take the wheel. A Good Article. Seriously, I've probably driven close to 100k miles around LA and the SoCal freeways and have never gotten in an accident or received a ticket. Its not that loving hard to obey traffic laws and be mindful of your surrounding drivers.
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Feb 9, 2015 23:47
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It's $2700 over like 3 months.quote:I'm not kidding when I say my cabinets are barren. I've never bought a cooking item in my life. It's hard to believe, but i've always subscribed to idea that it's cheaper for one to just buy a prepared meal at a restaurant then go out and buy $20-$30 for stuff to cook some thing. Yikes.
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Feb 9, 2015 23:50
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Gorman Thomas posted:Alt Take: Dumbass driver let's someone else take the wheel. A Good Article. Not saying you are, but generally California drivers are maniacs. It probably doesn't take much to not get a ticket. My ex from Bakersfield would always get on me for going too slow when I've going 10 over on the freeway, and that seems to be the general driver over there. People give like less than half a second of space on the freeway going 90 mph, CA drivers that are tourists here constantly cut people off, etc. I see it in mine and my wife's family too (NorCal and SoCal). It drives me crazy. Barry posted:It's $2700 over like 3 months. Yeesh that's gross. I've done my fair share of eating out, but nothing to that extent.
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Feb 9, 2015 23:55
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Barry posted:It's $2700 over like 3 months.
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Feb 9, 2015 23:57
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Gorman Thomas posted:Its not that loving hard to obey traffic laws and be mindful of your surrounding drivers.
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Feb 9, 2015 23:59
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http://www.reddit.com/r/personalfinance/comments/2vb71m/i_am_in_the_1_of_student_loans/quote:TL:DR- 130k student loan debt, no hope for better job, kid on the way, going to be single income family, is bankruptcy a viable option? This guy is like the poster child for making terrible financial decisions. One after another after another.
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Feb 10, 2015 00:02
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Barry posted:http://www.reddit.com/r/personalfinance/comments/2vb71m/i_am_in_the_1_of_student_loans/
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Feb 10, 2015 00:10
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HonorableTB posted:I saw a guy the other day try to beat a yellow before it turned red and as soon as he passed under it, the schadenfreud-iest camera flash I've ever seen went off. Red light tickets in Seattle are, well, not very cheap. Roughly how much are the red light tickets in Seattle? The numbers seem backwards to me. I've gotten one speeding ticket and one red light ticket. The speeding ticket was $300 after I plead it down to a lower charge, and the red light was in the range of $50 or so. (Learned my lesson on that speeding ticket, let me tell you that.)
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Feb 10, 2015 00:18
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Knyteguy posted:Not saying you are, but generally California drivers are maniacs. It probably doesn't take much to not get a ticket. My ex from Bakersfield would always get on me for going too slow when I've going 10 over on the freeway, and that seems to be the general driver over there. People give like less than half a second of space on the freeway going 90 mph, CA drivers that are tourists here constantly cut people off, etc. I see it in mine and my wife's family too (NorCal and SoCal). It drives me crazy. Nah its true, we're not nearly as bad as New England drivers though! I'll get up to 80 on my commute and still have motorcycles and trucks passing me on the left. I've seen way too many blue tarps being handled by EMS  . I'm seriously contemplating ditching my car when I eventually move closer to work despite LAs lovely public transportation.
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Feb 10, 2015 00:20
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The first thing I did when I moved to a city with decent public transport and a grocery store in walking range was get ride of the car. Parking would have been $135 a month, so before even gas, I'm saving like $600 a month (payments, insurance, parking). Best decision ever. Of course my rent went up by about $250 
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Feb 10, 2015 00:28
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quote:Having money to pay for a roof over my head, food on the table, and gas in my car is not an issue. This isn't an issue but given that he's got a combined $26k of credit card debt on top of the car he shouldn't have bought and the giant student loan that he didn't seem to be paying I think he's got no idea he can't actually afford those things. In part he was a fool for listening to people saying to follow your dream without knowing that these days it leads to crippling student debt. I actually believe that student loan reform is needed. Scrap private loans (we got rid of those long ago in New Zealand) and just have federal loans with rules to avoid people being in debt for their entire life. Before student loan interest was reduced to 0% a scheme was introduced to write off a proportion of interest so that 50% of your annual compulsory repayments would pay the loan principal. For the money being spent US college students would probably be better off getting their education outside of the US as it would cost less.
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Feb 10, 2015 00:33
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Renegret posted:Roughly how much are the red light tickets in Seattle? Between $120 and $150 a pop. Edit: $124 exactly. Seattle Times posted:
Basically, don't drive like an rear end in Seattle and you'll be fine. HonorableTB fucked around with this message at 00:39 on Feb 10, 2015 |
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Feb 10, 2015 00:34
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Gorman Thomas posted:Nah its true, we're not nearly as bad as New England drivers though! I'll get up to 80 on my commute and still have motorcycles and trucks passing me on the left. I've seen way too many blue tarps being handled by EMS I've lived in both and I think California is worse. New Englanders are angrier and more willing to drive unsafely in bad weather, but don't do the tailgating thing as badly. Californians sort of drift all over the place. In New England you're in one lane and you quickly move between them to keep the "transaction short", while californians seem to take a leisurely stroll across the lane divider to maybe some day be in a single lane. New England also doesn't have lane change orgies like: 
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Feb 10, 2015 00:35
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Jeffrey of YOSPOS posted:I've lived in both and I think California is worse. New Englanders are angrier and more willing to drive unsafely in bad weather, but don't do the tailgating thing as badly. Californians sort of drift all over the place. In New England you're in one lane and you quickly move between them to keep the "transaction short", while californians seem to take a leisurely stroll across the lane divider to maybe some day be in a single lane. Lol I live at that interchange. It's not too dangerous because the poor design means that area always has traffic!  Anyways, bad with money is me, because I live with parents and still spend like 600 a month eating out. This month is going to be even worse, food budget wise, because valentine's day, anniversary and birthdays.
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Feb 10, 2015 01:43
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Stolennosferatu posted:Lol I live at that interchange. It's not too dangerous because the poor design means that area always has traffic! I used to live off the 57 in the Placentia/Yorba Linda/Brea area many years ago (its where I grew up)...so I know that particular clusterfuck of an interchange well. Makes me so glad to not have to travel that any more....instead I get to mess with Seattle traffic. It's a trade off lol
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Feb 10, 2015 01:50
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Barry posted:http://www.reddit.com/r/personalfinance/comments/2vb71m/i_am_in_the_1_of_student_loans/ Remember that scene in Roger & Me, where they're following around the deputy sheriff who's evicting people, and he's in the process of evicting the woman who'd just gotten married? What he says in that scene has always stayed with me: something like "if you're gonna get married, get married to someone with money. You can be poor on your own, you don't need help to be poor". I reckon the same thing could be extended to include having a kid when your combined income is $28 an hour.
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Feb 10, 2015 02:00
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cowofwar posted:First thing that comes to that dude's mind when he thinks of something to cook is meatloaf. Even if he had groceries it doesn't sound like he can cook so why bother? gently caress this, meatloaf is awesome. You take that back.
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Feb 10, 2015 02:32
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Here's the net worth percentile rank calculator. You can enter your age in both boxes and your net worth to discover that you are bad with money. I don't live in the US and recent devaluation of the local currency versus the US has diminished my rank but at least I'm well past 50%. http://www.shnugi.com/networth-percentile-calculator/?min_age=0&max_age=0&networth=0
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Feb 10, 2015 04:19
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Stolennosferatu posted:Lol I live at that interchange. It's not too dangerous because the poor design means that area always has traffic! I got into a major accident going through that intersection at night: 1) When I came in off the 57N I overtook some slow people when the 60E lanes merged on the left. 2) Forgot to merge back onto the 57N before they split again. 3) Didn't realize the 57N had already split and ended up going over the median (big bumps, rough patch) at 65MPH. You can see the median here - at night it just looked like the other side of the freeway  .4) Blew out all 4 tires and my alignment but at least I didn't hit any trees and die  .
Evil Robot fucked around with this message at 04:49 on Feb 10, 2015 |
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Feb 10, 2015 04:43
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Evil Robot posted:4) Blew out all 4 tires and my alignment but at least I didn't hit any trees and die Great move, dying is bad with money.
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Feb 10, 2015 05:25
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I just got a red light ticket. One second too late in a turning lane. 369 bucks. That's Melbourne for you. If you get 12 demerits in a three year period you get your license suspended. Each offense is usually three demerits. Hell, they charge you 300 here for going less than 5k over the limit.
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Feb 10, 2015 05:36
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Sokani posted:Great move, dying is bad with money. Eh, it's a one-time expense.
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Feb 10, 2015 05:47
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Sokani posted:Great move, dying is bad with money. I beg to differ. No cost of living, one time payment for near permanent accommodations (albeit not much of a view). Not to mention potential insurance payouts. Taxes can get a bit tricky though. Death is the one thing everyone can afford!* *Final Sale, no Refunds
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Feb 10, 2015 06:43
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Sokani posted:Great move, dying is bad with money. Hey, gotta discharge those student loans somehow.
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Feb 10, 2015 06:50
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Devian666 posted:Here's the net worth percentile rank calculator. You can enter your age in both boxes and your net worth to discover that you are bad with money. I don't live in the US and recent devaluation of the local currency versus the US has diminished my rank but at least I'm well past 50%. Comparing my results in this to my comparitive results in the BFC net worth survey is kind of jarring
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Feb 10, 2015 13:38
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Not a Children posted:Comparing my results in this to my comparitive results in the BFC net worth survey is kind of jarring Haha yep. [Chant] We are the 99 percen(tile)
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Feb 10, 2015 14:55
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I was talking about fitness costs with a couple last night on a double date since we were joking about how the gyms are quiet now. When we broke down our personal budgets for fitness, I was really surprised how expensive some people go with this. Monthly Fitness Budget for Girlfriend(Student, Part Time) and I (Working Fulltime) Judo - $70 ($35 a person, free summer training from May to Aug as GF is a Black Belt) Shared gym membership $22 a month Supplements (Protein, multi-vitamins) $150 a month Other Couples' Fitness Budget (Both Students, no jobs) CrossFit Gym Membership $600 ($300 per person with a personal trainer) BJJ for the Guy - $120 a month Yoga for the Girl - $200 a month Supplements (Stacks from bodybuilding.com) $450 a month It doesn't surprise me since they go overboard with all their hobbies(anime, cosplay, gothic Lolita), but $1000+ for physical fitness is mind boggling. I guess you can't put a price on mental health recovery if it works for you.
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Feb 10, 2015 15:35
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Devian666 posted:Here's the net worth percentile rank calculator. You can enter your age in both boxes and your net worth to discover that you are bad with money. I don't live in the US and recent devaluation of the local currency versus the US has diminished my rank but at least I'm well past 50%. drat. That makes me scared for other people. Mine isn't even… good.
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