|
Veskit posted:Pig Slut Lisa I know you read this thread so please save your friend Great googly moogly, I'd say it's a BFC honeypot troll but it's in a different forum I plan to cash out my 401k, put it all in Nintendo stock, and use the profits to buy a car *a million misers cry out in agony*
|
#
?
Mar 23, 2015 13:43
|
|
|
|
| # ? May 30, 2024 07:38 |
|
|
quote:(10:30:37 PM) golbez: so on a scale of 1-10 Bad with money: all I know is 8
|
|
#
?
Mar 23, 2015 13:49
|
|
|
That sounds like a plan that could only be concocted by a middle-upper class 11 year old who wasn't cool enough to hang out with the really rich kids that got PS4s and Xbones
|
|
#
?
Mar 23, 2015 13:50
|
|
|
Centripetal Horse posted:That salesman 100% understood why someone would care about the total price rather than the payment. That's why he wouldn't cough up the total price. Yeah, the salesman would get next to nothing on commission for that sort of sale, iirc.
|
|
#
?
Mar 23, 2015 15:01
|
|
|
Someone should tell him he can avoid the massive 401k penalty if he takes it out as a loan. What can go wrong!
|
|
#
?
Mar 23, 2015 15:06
|
|
|
silvergoose posted:Yeah, the salesman would get next to nothing on commission for that sort of sale, iirc. They always claim they don't get commissions on the financing(obviously not true), how I've played it before was acting like a naive sucker about financing but still insisting on separating the negotiation on price from the negotiation on financing. Then I can get a price that sounds good while they rub their hands together ready to screw me on financing, and then I can tell them I'll pay cash.
|
|
#
?
Mar 23, 2015 15:10
|
|
|
District Selectman posted:Great googly moogly, I'd say it's a BFC honeypot troll but it's in a different forum It's worse than that. He's quitting his job to cash out his 401k to invest in Nintendo stock to buy a car. Just  .
|
|
#
?
Mar 23, 2015 15:14
|
|
|
I'm gonna quit my job and short their stock just to spite him.
|
|
#
?
Mar 23, 2015 15:16
|
|
|
FateFree posted:Someone should tell him he can avoid the massive 401k penalty if he takes it out as a loan. What can go wrong! But usually they only let you take out 50% as a loan. Think of the lost gains!
|
|
#
?
Mar 23, 2015 15:17
|
|
|
I love all of these columns: http://business.financialpost.com/2015/03/20/debt-ridden-young-couple-in-vancouver-wants-it-all-bigger-house-kids-early-retirement/
|
|
#
?
Mar 23, 2015 15:39
|
|
|
Investments: Car
|
|
#
?
Mar 23, 2015 16:08
|
|
|
Some of those numbers seem ridiculous. 1000 a month for food? 350k for a 650 foot condo, jesus.
|
|
#
?
Mar 23, 2015 16:15
|
|
|
If you want to live downtown in a big city, that's not that unusual. The alternative is commuting for 20-30 hours a week. Well, in the situation they're in, the REAL alternative would have been to just rent. Nail Rat fucked around with this message at 16:22 on Mar 23, 2015 |
|
#
?
Mar 23, 2015 16:16
|
|
|
TLG James posted:Some of those numbers seem ridiculous. 1000 a month for food? In NYC that would cost >2x that amount.
|
|
#
?
Mar 23, 2015 16:21
|
|
|
Nail Rat posted:If you want to live downtown in a big city, that's not that unusual. The alternative is commuting for 20-30 hours a week. They're spending 400 bucks on gas a month.
|
|
#
?
Mar 23, 2015 16:21
|
|
|
TLG James posted:They're spending 400 bucks on gas a month. Well, gotta make that car "investment" worth it I suppose.
|
|
#
?
Mar 23, 2015 16:22
|
|
|
Yeah I'm not sure I understand how they're spending $1000 on food then another $950 on restaurants? How much would you have to eat to get to that level? I mean yes, I guess I could see $950 in restaurants if all they did was eat at one super expensive place per month, but what about the $1000 in groceries? My husband literally eats 2500 calories a day almost entirely in meat and fresh veggies, and we never break $500 including household supplies. I know Vancouver is more expensive, but this was in Seattle as well!
Rurutia fucked around with this message at 16:33 on Mar 23, 2015 |
|
#
?
Mar 23, 2015 16:28
|
|
|
Rurutia posted:Yeah I'm not sure I understand how they're spending $1000 on food then another $950 on restaurants? How much would you have to eat to get to that level? I mean yes, I guess I could see $950 in restaurants if all they did was eat at one super expensive place per month, but what about the $1000 in groceries? My husband literally eats 2500 calories a day almost entirely in meat and fresh veggies, and we never break $500 including household supplies. I know Vancouver is more expensive, but this was in Seattle as well! I hear stories of people stocking their kitchen and then just letting everything go bad because they're too lazy to cook. I guess my wife does this sometimes. She gets all motivated to eat healthy, buys some food, but then doesn't use it before it goes bad. Not $1000 worth of food though thank god.
|
|
#
?
Mar 23, 2015 17:01
|
|
|
Dude spends ~800/mo eating out while making 1300/month. It's worth diving into the op's comments in this one. Saros fucked around with this message at 17:56 on Mar 23, 2015 |
|
#
?
Mar 23, 2015 17:46
|
|
|
Saros posted:Dude spends ~800/mo eating out while making 1300/month. quote:I have to eat out constantly because, well we've just run into too many bad situations with dishes etc. lol what the gently caress buddy, just wash your dishes
|
|
#
?
Mar 23, 2015 18:13
|
|
|
Maybe the girlfriend's parents are Greek and won't stop breaking plates over his head.
|
|
#
?
Mar 23, 2015 18:15
|
|
|
Guy dropped out of school in the 8th grade, has a kid and is a smoker. Being unable to wash dishes is probably not even in the top 10 of "reasons why his life sucks".
|
|
#
?
Mar 23, 2015 18:27
|
|
|
triplexpac posted:lol what the gently caress buddy, just wash your dishes I totally had interpreted that as him giving them food poisoning. I wonder if the dishes situation is related to the parents kicking him out.
|
|
#
?
Mar 23, 2015 18:44
|
|
|
Saros posted:Dude spends ~800/mo eating out while making 1300/month. Saros posted:I totally had interpreted that as him giving them food poisoning. I wonder if the dishes situation is related to the parents kicking him out. Eg being a filthy dude? I bet yes.
|
|
#
?
Mar 23, 2015 18:46
|
|
|
canyoneer posted:Guy dropped out of school in the 8th grade, has a kid and is a smoker. You forgot the part where his kid is going to be born within in a week and he's also simultaneously moving several hours away for a place that costs twice as much at the same time with no job lined up and zero savings because.... ?
|
|
#
?
Mar 23, 2015 18:48
|
|
|
Thesaurus posted:You forgot the part where his kid is going to be born within in a week and he's also simultaneously moving several hours away for a place that costs twice as much at the same time with no job lined up and zero savings because.... ? Because duh, issues with dishes. And self-esteem. I've read this thread since the beginning, and this is one of the first posts that has made me actively want to yell and curse at my monitor. There are a lot of people who are bad with money, but that level of intentional loving idiocy, with a baby on the way, is drat near unforgivable.
|
|
#
?
Mar 23, 2015 18:53
|
|
|
If I was 24, broke, jobless, and lived with my son's/daughter's-mom's-parents, I might take up smoking too. Though because I'm BFC, I'd import melamine-laced ecigs.
|
|
#
?
Mar 23, 2015 18:54
|
|
|
TLG James posted:Some of those numbers seem ridiculous. 1000 a month for food? I don't think any of my appliances will fit in a condo that's 650'x1'. I might be able to shimmy through it.
|
|
#
?
Mar 23, 2015 19:09
|
|
|
triplexpac posted:I love all of these columns: Some of the comments try to hold their situation up as an example of how expensive things are today. While ignoring that they're wasting a huge amount of money and are paying off an expensive wedding. At 31 how can they be in such a lovely financial situation with both being engineers. I had more net worth than they when I started my own business at that age and I poured all of my savings into the business.
|
|
#
?
Mar 23, 2015 20:26
|
|
|
So like, more than negative? Good job
|
|
#
?
Mar 23, 2015 21:37
|
|
|
BEHOLD: MY CAPE posted:So like, more than negative? Good job They make zero net worth look good.
|
|
#
?
Mar 23, 2015 21:59
|
|
|
Devian666 posted:Some of the comments try to hold their situation up as an example of how expensive things are today. While ignoring that they're wasting a huge amount of money and are paying off an expensive wedding. At 31 how can they be in such a lovely financial situation with both being engineers. Two engineers combined only earning 9500 CAD a month? That sounds pretty low.
|
|
#
?
Mar 23, 2015 22:19
|
|
|
Shipon posted:Two engineers combined only earning 9500 CAD a month? That sounds pretty low. It's probably post-tax, no idea what tax rates are like in Canada but if so it seems pretty reasonable.
|
|
#
?
Mar 23, 2015 22:21
|
|
|
They say the wife makes $98,140 during the pension estimate in the retirement section.
|
|
#
?
Mar 23, 2015 22:32
|
|
|
Jeffrey of YOSPOS posted:It's probably post-tax, no idea what tax rates are like in Canada but if so it seems pretty reasonable. Since there's not a line item for "tax" in "monthly expenses" it's absolutely post-tax. If they're making 200k combined, that would be roughly spot-on in the USA after taxes, healthcare premiums (though I guess they probably don't have those in Canada) etc.
|
|
#
?
Mar 23, 2015 22:37
|
|
|
In BC, basic income taxes on $98,140 are $23,994 (average 24.4%, 38.3% marginal) giving her $6,178/mo take-home assuming no other deductions. He's not making very much though.
|
|
#
?
Mar 23, 2015 23:29
|
|
|
Nail Rat posted:Or you can say no to being in the wedding party. Do you really expect them to pay for airfare and hotel(I assume thats what the 1500 is mostly since a tux rental definitely doesn't cost anywhere near that) Well, the money was spread out over a few months so it's only when you sit down to think about it that you realize how big a hole it is. $200 for the tux, $300 for airfare to fly my sister down to watch the kids, $150 for bachelor's party, $150 for wedding gift, and $700 for the hotel/resort. And I just realized I never got a groomsmen gift. WTF? I could have used a monogrammed flask to drink to forget how much money I just spent.
|
|
#
?
Mar 24, 2015 02:45
|
|
|
Good with money tip: rent houses from AirBnB or VRBO for bachelor parties and wedding weekends. My wife and I did this for a kickass joint bachelor/bachelorette party where we invited 25 friends and shared two big beach houses for way cheaper than hotelling all those bodies would have been. We're doing the same for an upcoming wedding in Fort Lauderdale. Plus you have a kitchen so you don't need to eat every meal at a restaurant 
|
|
#
?
Mar 24, 2015 02:56
|
|
|
Yeah weddings and bachelor parties sneak up on you. I just realized my total is already $1k this year. I'm not even in a wedding party! At least I'm not poor or too popular, I don't know how poor popular people do it. One day future people will be really confused about these $20k parties that we threw so we could promise not to gently caress other people for a few years.
|
|
#
?
Mar 24, 2015 03:06
|
|
|
|
| # ? May 30, 2024 07:38 |
|
|
I have 4 (maybe 5) weddings to attend in the next year and I'm a +1 at all if them.  I'm hoping that at least this will sour my gf on the whole idea of a huge wedding.
|
|
#
?
Mar 24, 2015 03:33
|
|
