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Higgy posted:Until you crash the school into a lake, that is. Man, I have GOT to get around to reading Tuyop's thread. I had a few friends do exactly what he's suggesting when I was in college in the late 90's. They'd take out the max subsidized loans, which they didn't need, and use the money to buy CDs,back when CDs paid like 5-6%, and staggered them so they would all mature in time for graduation. Free money.
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Apr 3, 2015 14:33
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Folly posted:Man, I have GOT to get around to reading Tuyop's thread. I think that would land you in jail these days.
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Apr 3, 2015 17:20
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You're talking about that guy charged with criminal fraud for using his student loan money to fund a business venture? That's probably not the same animal for numerous reasons. But yes there is probably a line you can cross.
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Apr 3, 2015 18:26
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I know a dude that maxed his student loans and used the excess for a house down payment. He rented 3 rooms and made enough to cover the payment, and the student loan interest. It feels stupid, but also feels really clever in some bravado sense. He also had the option of being gifted a stipend through college, or a '01 Porsche Carrera. You can guess which he chose.
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Apr 3, 2015 19:23
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If you were going to travel for four months in September, what would be the most BFCest way to travel? I'm thinking like bike tour around rural China would be pretty awesome and also frugal.
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Apr 3, 2015 23:00
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You could do some canoe portaging trails in your homeland hahaha http://en.wikipedia.org/wiki/Canadian_canoe_routes
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Apr 3, 2015 23:03
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tuyop posted:If you were going to travel for four months in September, what would be the most BFCest way to travel? Really anywhere in SE Asia. Thailand and Laos are pretty cheap from what I hear. The only expensive item is the plane ticket, but you can get around it with some creative credit card churning.
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Apr 4, 2015 00:31
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tuyop posted:If you were going to travel for four months in September, what would be the most BFCest way to travel? Do not go to rural China. SE Asia is fine for bike touring. I did six months in Mexico, Guatemala and El Salvador and I only felt unsafe when I deliberately did stupid poo poo. Check the bike touring thread in YLLS. I wanted to go to SE Asia, but like the above poster said, plane tickets (especially with a bike) are expensive. Luckily I only live 250 miles from the Rio Grande!
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Apr 4, 2015 00:51
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Aliquid posted:Do not go to rural China. SE Asia is fine for bike touring. I did six months in Mexico, Guatemala and El Salvador and I only felt unsafe when I deliberately did stupid poo poo. Check the bike touring thread in YLLS. Rural China is pretty awesome, but a lack of Chinese will really hamper you. By contrast, SE Asia is a lot easier, and you'll be getting in to the cool (nicer season) over September-January. Thailand/Laos/Cambodia/Vietnam get most of the tourist traffic (not without reason, they're very nice to visit), personally I'd like to go back to Borneo or island-hop across Indonesia. My dream SEA trip is to buy another motorbike in Vietnam and ride it south (Vietnam, Cambodia, Thailand, Malaysia, Indonesia) until it blows up or I run out of time/money. BFC-est might be to do a working holiday, live in a van and make $20/hr picking fruit in Australia, surf on the weekends. Pompous Rhombus fucked around with this message at 01:17 on Apr 4, 2015 |
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Apr 4, 2015 01:14
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Pompous Rhombus posted:Rural China is pretty awesome, but a lack of Chinese will really hamper you. By contrast, SE Asia is a lot easier, and you'll be getting in to the cool (nicer season) over September-January. Yeah woofing is kind of out for me, my back's starting to get a bit worse. Cycling doesn't seem to cause any problems yet though, so I want to get a big bike trip under my belt because I like it so much. Is there camping in the countryside in SE Asia? I heard that it's not possible in China.
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Apr 4, 2015 01:57
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tuyop posted:Yeah woofing is kind of out for me, my back's starting to get a bit worse. Cycling doesn't seem to cause any problems yet though, so I want to get a big bike trip under my belt because I like it so much. China has gotten rather expensive in recent times and if you're in the wrong area things could get a bit stabby or you wake up with some missing organs. SE asia if probably more bang for your buck and not so limiting with language. I went through northern and southern China but my group knows people and had a lot of people who could speak Mandarin and Cantonese. Althought southern China a lot of people don't speak Cantonese these days. The time I went to negotiate a deal in Cantonese they couldn't understand wtf I was saying.
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Apr 4, 2015 02:05
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tuyop posted:Yeah woofing is kind of out for me, my back's starting to get a bit worse. Cycling doesn't seem to cause any problems yet though, so I want to get a big bike trip under my belt because I like it so much. You can do whatever on a WHV visa, so if you've got retail/food service/coffee making/whatever experience, can have a go with that. I am pretty sure you can camp in SEA, but with guesthouses being as cheap as they are very few people bother. The yen is really weak right now, depending on your budget Japan might be another one to consider (due to cold, would probably just do September/October though). There are special hostels called Rider's Houses that are just for motorcyclists/bicycle tourists, as well as plenty of remote areas you can pitch a tent on the sly, and cheap hot spring places to shower at the next day for cheap. You can get a filling meal at a basic restaurant for ~$6-8, less if you don't mind eating out of the (ubiquitous) convenience stores. Super safe country and beautiful, tons of stuff to see.
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Apr 4, 2015 02:19
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Aliquid posted:I wanted to go to SE Asia, but like the above poster said, plane tickets (especially with a bike) are expensive. Luckily I only live 250 miles from the Rio Grande! I would imagine you could buy a bike and gear in SE Asia for cheaper than it costs to fly it transpacific twice, but that's just a guess I suppose.
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Apr 4, 2015 05:17
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I built mine out of old 70's and 80's parts, but yeah, solid road bikes with eyelets for front and back racks are widely available around the world. I bet you could get a Surly LHT in any color you want new off the rack in Bangkok.
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Apr 4, 2015 05:22
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tuyop posted:If you were going to travel for four months in September The only way I know of to travel for four months all within the single month of September is to harness the power of the Time Cube.
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Apr 5, 2015 05:16
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He probably got a used one off craigslist, those things are really good with money if you can find them. My brother traded up and gave me his old timecube, but of course like a true goon, I'm using it to get through my backlog instead of building up a nest egg.
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Apr 5, 2015 20:19
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I just finished compiling and rounding a divisional earnings report and I was part way done with tying it out...and the loving actuaries restated their report for amortization offsets. Goddamnit SloMo!!
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Apr 10, 2015 23:17
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I did a bad thing. When I switched my investment account from the target retirement fund to VTSAX, I wasn't aware that I'd incur capital gains (exchanging isn't the same as selling, I thought  ). Ended up being short term, so I'm out 10% of my gains. 
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Apr 10, 2015 23:51
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I have a disappointment too. Toilet started gargling late night thursday. Called the plumber, who said it sounded like a sewer issue. Sewage specialist came out and ran a camera after cleaning the pipes. Four hundred dollars later, we find Both sloped connections to the main line are broken at the joints and will require excavation for repair. The slippage is causing all tp to catch at the joint. No more tp until we get it fixed, and we're looking at a few grand probably for the repairs. Faaaaahhhhccckkkk. Thank god for that 5k emergency fund. Third time in the last year I've had to eat into it substantially for home repairs.
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Apr 12, 2015 00:41
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Well I suddenly feel better about having to buy a new kitchen faucet last night.
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Apr 12, 2015 02:51
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dreesemonkey posted:Well I suddenly feel better about Seriously though, that sucks.
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Apr 12, 2015 14:36
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Dead Pressed posted:The slippage is causing all tp to catch at the joint. No more tp until we get it fixed, and we're looking at a few grand probably for the repairs. Just get a trash can for the TP, pretend you're in an exciting but less developed country, and keep the $5k.
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Apr 13, 2015 16:07
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I hope it doesn't cost the full $5k. I had about 75' of copper water main run in my last house for about $2k. Sewer line should be much cheaper, the main expense would be digging it up. It's low pressure, do you can put a repair fitting on it without much risk of pushing the problem further down the line. In the end, I bet they just dig it up and slap something like this on it while maintaining its slope (which should be accomplished automatically by rejoining the broken pipes). Edit: IANAP (changed the link to something of appropriate diameter) Folly fucked around with this message at 17:08 on Apr 13, 2015 |
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Apr 13, 2015 17:04
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... and if that all fails, dig a pit latrine in your back yard. Zero water usage, no expensive repairs!
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Apr 13, 2015 18:49
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Thesaurus posted:... and if that all fails, dig a pit latrine in your back yard. Zero water usage, no expensive repairs! It's also free fertilizer for your vegetable garden, and it's a free burglary prevention system. YNAB? More like YNAL.
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Apr 13, 2015 19:57
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Thesaurus posted:Just get a trash can for the TP, pretend you're in an exciting but less developed country, and keep the $5k. That's just kicking the problem down the road.
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Apr 13, 2015 22:57
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Folly posted:I hope it doesn't cost the full $5k. I had about 75' of copper water main run in my last house for about $2k. Sewer line should be much cheaper, the main expense would be digging it up. It's low pressure, do you can put a repair fitting on it without much risk of pushing the problem further down the line. In the end, I bet they just dig it up and slap something like this on it while maintaining its slope (which should be accomplished automatically by rejoining the broken pipes). I hope they actually do not use that flexible pipe connector. Terrible idea underground. You will just end up digging it up again when it fails.
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Apr 14, 2015 00:55
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Thesaurus posted:Just get a trash can for the TP, pretend you're in an exciting but less developed country, and keep the $5k. Composting toilet/humanure toilet. Pooping into clean water is loving barbaric and ridiculous. Your plumbing is basically doing you a favour.
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Apr 14, 2015 01:49
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non-poop chat. I switched my Verizon 5s iphone to Page Plus and it was alright for a few months, but they keep loving me on the data part of my plan... Never seems to reset so the speed is always choked to the point of being non-functional (yes, I am on wifi wherever possible.) I emailed them about it so I'm hoping to get a small refund or credit back, but I'd like to switch to Credo. My screen has been broken three times since the switch and I'm tired of having to replace it. My roommate has it, works great for her and she commutes to a similar area as I do. I was going to buy my new phone outright from them and use their service, but the insurance seemed steep and Im not sure they insure phones you arent leasing from them. Whats a good way to insure an iphone against damage/theft that isn't through your carrier? BFC Note: yes, yes, iPhone is bad with money, blah blah blah. Honestly, it's indispensable to me for work, I must have smart phone capabilities, use certain apps, etc. A few years ago I had various droid phones and it was a pain. I can't switch to metro PCS or a dumb phone.
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Apr 14, 2015 05:32
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tuyop posted:Pooping into clean water is loving barbaric and ridiculous. Your plumbing is basically doing you a favour. I honestly believe this with all my heart, but I cannot fathom the absurd level of purse-clutching that would occur if we started using reclaimed/nonpotable water for waste removal instead of water that could be used for, y'know, living MAKE NO BABBYS posted:non-poop chat. Squaretrade has a pretty decent phone insurance plan, I think. You definitely need to be more careful with your phone though, 3 screen breaks in a few months tends to not be a coincidence. Maybe get an otterbox for it?
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Apr 14, 2015 12:56
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I drop my phone several times a day. I insure against this by putting it in an otterbox. I am a huge clumsy child but then I just put the money I would be paying towards insurance into a pile for a new phone later.
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Apr 14, 2015 13:05
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tuyop posted:Composting toilet/humanure toilet. Pooping into clean water is loving barbaric and ridiculous. Your plumbing is basically doing you a favour. Since it's so barbaric and you're obviously enlightened, how many of your last 10 poops were done in a traditional flush toilet?
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Apr 14, 2015 13:09
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Bloody Queef posted:Since it's so barbaric and you're obviously enlightened, how many of your last 10 poops were done in a traditional flush toilet? Not relevant.
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Apr 14, 2015 13:25
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What criteria should I consider when compare two job offers?
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Apr 16, 2015 14:45
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Lazerbeam posted:What criteria should I consider when compare two job offers? There's a lot to consider. Pay, benefits, hours working/week, company culture, how long the commute is, which job responsibilities you'll enjoy more, etc. A few of these things are easy, but others are entirely up to your preferences. Are you willing to make some more money for a longer commute? How about sacrificing pay for a more relaxed setting? It will probably require some thinking and listing of your priorities.
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Apr 16, 2015 15:06
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To expand on benefits: health care options and cost (HDHP or a traditional plan, HSA option, how much does the company contribute to the HSA, are vision and dental included, are they included at an additional cost, what's the cost of individual vs indifivual+spouse), retirement benefits (does the company offer a 401k, do they have a Roth 401k option, what is their matching amount, do they still offer a pension, how is the payout calculated), corporate dress code, are flexible working hours optional, is working remotely possible, how much vacation do you get per year and how fast does the number of vacation days go up, how many personal days do you get per year, what's the maternity/paternity leave policy, what are the offices like where you will be working, is there travel (mandatory/optional/how far in advance can it be planned). These are all things I would consider before taking a job at a new company.
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Apr 16, 2015 15:21
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Lazerbeam posted:What criteria should I consider when compare two job offers?
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Apr 17, 2015 16:59
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If you had to compare roughly similar* jobs where the biggest difference was contract versus "permanent", what factors would you weigh to consider each? The permanent position is likely to pay 20% less, but I don't have a good picture of the benefits that come with perm at that job? *- I have two offers for PM jobs at large banks. The cultures or bosses could be very different, but at least thus far I haven't found anything to tell me much about the contract one. The "perm" one I've been contract at for the last 18 months and have generally enjoyed it, although the new position would be for a different boss I have not worked much with.
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Apr 18, 2015 22:24
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Thanks all  I received my conditional offer letter (including salary, location etc.) and it's clearly the superior job. The less favorable job still hasn't given me an official written offer so is it best to tell them I'm not interested after my favored job is confirmed?
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Apr 20, 2015 04:59
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Lazerbeam posted:Thanks all Tell them you will do it for 10k more a year.
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Apr 20, 2015 17:04
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