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quote:To be fair the question posed in the post isn't "Why am I broke?" but "Should I dip into my previous jobs 401(k) in order to begin repairing my currently poor financial situation?"  .If he did that, he'd be in the same position again in a few years because neither he nor his GF will have actually fixed their habits. But we all know that already.
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May 11, 2015 01:34
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Is cable like stupidly expensive in other parts of the country? I pay $80/month for 80mbps cable internet that comes with free basic cable and I only even have that much because I'm a turbonerd and host stuff and need fast internet for work etc. Then again I don't live in one of the Comcast wasteland states...
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May 11, 2015 02:03
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Parallel Paraplegic posted:Is cable like stupidly expensive in other parts of the country? I pay $80/month for 80mbps cable internet that comes with free basic cable and I only even have that much because I'm a turbonerd and host stuff and need fast internet for work etc. Try living in Canada where in 95% of the country that $80 will get you 20mbps down/2 mbps up with a 250GB cap and that's it. No cable.
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May 11, 2015 02:09
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He's also paying $400/month on gas! 
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May 11, 2015 02:10
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Dillbag posted:Try living in Canada where in 95% of the country that $80 will get you 20mbps down/2 mbps up with a 250GB cap and that's it. No cable. If I paid $25 more I could get 300mbps down and like 20 up and the little kid in me who grew up with poo poo dialup and then poo poo DSL really wants it but the 80 is already more than I normally use and I'm trying to be a responsible adult which is no fun 
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May 11, 2015 02:13
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Parallel Paraplegic posted:If I paid $25 more I could get 300mbps down and like 20 up and the little kid in me who grew up with poo poo dialup and then poo poo DSL really wants it but the 80 is already more than I normally use and I'm trying to be a responsible adult which is no fun it's me I did this I succumbed to the kid with dialup inside me
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May 11, 2015 02:33
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Dillbag posted:Try living in Canada where in 95% of the country that $80 will get you 20mbps down/2 mbps up with a 250GB cap and that's it. No cable. This is no joke one of the top 3 reasons why im reluctant to move back to canada (which incidentally speaks to how awesome canada is otherwise). The situation is so depressing.
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May 11, 2015 02:38
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Parallel Paraplegic posted:Is cable like stupidly expensive in other parts of the country? I pay $80/month for 80mbps cable internet that comes with free basic cable and I only even have that much because I'm a turbonerd and host stuff and need fast internet for work etc. I pay around that much for a quarter of the speed, and the fasted plan available is maybe double my current speed for double the price (or more, can't remember). That's just for internet service, mind you. I live just south of Charlotte, NC, for reference (in SC, though, so Google Fiber will not be an option once it's installed). However, I think AT&T is burying lines for their U-Verse service, so maybe there will be a viable alternative by the end of the year (on Time-Warner currently).
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May 11, 2015 03:26
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Yeah here (Central Florida) there's actual competition and I even know a guy personally who started a local ISP that's now spread across the state and the cable company (Bright House) just decided to double everyone's speed without increasing prices one day, and even before that happened I was actually getting more than the advertised speeds which I think is against the laws of physics or something. From what I've heard of Comcast and Time Warner saturated areas, they've already built out the infrastructure to run faster and if some competition like FiOS or U-Verse moves in magically oh that network we said we couldn't squeeze any more than 40mbps out of can now handle 100+mbps overnight 
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May 11, 2015 03:59
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Yup, as soon Google announced they'd be liberating Austin, Time Warner and AT&T suddenly upped their speeds because they're such nice people.
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May 11, 2015 04:28
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Parallel Paraplegic posted:From what I've heard of Comcast and Time Warner saturated areas, they've already built out the infrastructure to run faster and if some competition like FiOS or U-Verse moves in magically oh that network we said we couldn't squeeze any more than 40mbps out of can now handle 100+mbps overnight I think they actually are installing new fiber; I drive by half a dozen or more AT&T crews laying new cable every day. To illustrate how lovely my connection is, I ran a speed test a couple of hours ago and it was down to less than 5 Mbps - I'm assuming due to peak load (everyone streaming GoT). It's back where it should be now, though that's not saying much  .
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May 11, 2015 04:59
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SpelledBackwards posted:Yup, as soon Google announced they'd be liberating Austin, Time Warner and AT&T suddenly upped their speeds because they're such nice people. When FIOS moved in to my parent's neighborhood, their speed was magically tripled for free because Time Warner is so nice and greatly values them as customers! Parallel Paraplegic posted:From what I've heard of Comcast and Time Warner saturated areas, they've already built out the infrastructure to run faster and if some competition like FiOS or U-Verse moves in magically oh that network we said we couldn't squeeze any more than 40mbps out of can now handle 100+mbps overnight Though to be fair, the technology used for this stuff is being developed at a rapid pace and we can do things now that we couldn't do 2-3 years ago. Of course, they're all still greedy companies and the reason the technology is advancing so quickly is because of all the competition. It's not cheap to constantly be upgrading so it has to be deployed in an intelligent manner.
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May 11, 2015 12:26
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Ornamented Death posted:I live just south of Charlotte, NC, for reference (in SC, though, so Google Fiber will not be an option once it's installed). Rock Hill or Fort Mill? I cannot WAIT for Google Fiber to finish laying lines on the north side of town. If Huntersville gets done first, I'm moving there sooner.
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May 11, 2015 15:07
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Cox did the same when at&t moved into New Orleans suburbs.
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May 11, 2015 15:08
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Ornamented Death posted:However, I think AT&T is burying lines for their U-Verse service, so maybe there will be a viable alternative by the end of the year (on Time-Warner currently). I like U-Verse, but I seriously doubt you'll find it faster than cable. I'm supposed to have something like 20mb down, but our Netflix performance feels like I'm running regular DSL. At this point I stay because every time I try to leave they lower my bill by 20%.
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May 11, 2015 16:06
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I've got a local telecom that has fiber running through most of the city. I could get a 1 Gbps connection (down AND up) if I wanted (I decided to opt for the 25 Mbps instead (again, down AND up.)) And being fiber, it's not a shared connection. I run speed test and always get over 20 Mbps. I pay a lot for my TV+internet (about $180/month) but most of that is the TV. I've got a sports package, HBO, and HD DVR. If I wanted just internet it'd be ~$70 (and their website says $55 if you sign a 12-month commitment.) The gigabit connection is like $200/month ($150 for a commitment.)
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May 11, 2015 17:06
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I pay $12.75/month for 50MBPS down, land line phone, and a single cable box with all channels including premium movie channels. Good with money: Working for the cable company. Bad at life: Working for the cable company.
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May 11, 2015 17:32
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Krispy Kareem posted:I like U-Verse, but I seriously doubt you'll find it faster than cable. I'm supposed to have something like 20mb down, but our Netflix performance feels like I'm running regular DSL. At this point I stay because every time I try to leave they lower my bill by 20%. When I signed up for U-Verse I was told I was getting 30mb down, but after the installed it and I checked my bill for the first time I had been adjusted to 18mb down. When I called they said "that's the fastest they could offer me", but they gave me a 6 month bill credit as "compensation". Other than that I've been fairly happy with U-Verse. Just kinda sad that it's 2015 and the fastest internet I can get is 18mb down.
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May 11, 2015 17:44
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Bugamol posted:When I signed up for U-Verse I was told I was getting 30mb down, but after the installed it and I checked my bill for the first time I had been adjusted to 18mb down. When I called they said "that's the fastest they could offer me", but they gave me a 6 month bill credit as "compensation". pretty good trade imo
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May 11, 2015 17:54
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Nocheez posted:Rock Hill or Fort Mill? York, actually.
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May 11, 2015 17:57
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It was nice of that man to dig holes in his garden to ease the financial burden of horse ownership that his neighbours had imposed on themselves.
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May 11, 2015 18:17
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Buying a puppy for $1100 is bad with money. Getting an extra $300 tacked on is even worse with money. And buying from a meth addict backyard breeder is just bad with life.http://np.reddit.com/r/personalfinance/comments/35lyq8/puppy_breeder_overcharged_us_for_a_dog_what_is/ posted:I will try to make a long story short. We found a puppy that we wanted to buy last week so my wife called and asked if she was still available. The breeder told us someone had paid a deposit on her but had just backed out so we could put a deposit down if wanted to. We asked how much the puppy costs (website says $1400) she says normally $1400 but we really need to find her a home so we will give her to you for $1100. Great so we send a $200 deposit and agree to pick up the puppy in a week.
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May 11, 2015 18:43
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Ugh, further perpetuating the puppy mill problem and still too stupid not to back out after things got fishy even before they made it to the seller's house.
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May 11, 2015 18:54
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They should have called the police and told them they were selling meth, then bought the now-sheltered puppies on the cheap.
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May 11, 2015 19:15
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My Bro-in-law hosted Mother's Day this weekend, so we all went to his apartment for the first time. He just found a place with this girl he's been dating for about 10 months. Anyway the bad with money comes in here: he recently went back to school, so he has a line of credit to help pay for that. His girlfriend is the only one with a job, and she was telling us how she is working two part time jobs, juggling them both to work 25-27 days a month. They started off with two lizards of some type, then got two fish tanks. A kitten. When we showed up they also just got a rabbit. They're breeding all sorts of crickets and worms for their lizards, they're pretty sure they can sell them for big money. Hopefully they're right, cause I feel bad for this poor girl having to work almost non-stop because the guy isn't doing anything. Oh they were also showing off their new Apple Watch knockoffs (Samsung Gear Fit?)
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May 11, 2015 19:21
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I think these people are not blessed with an abundance of planning capability.
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May 11, 2015 19:21
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triplexpac posted:Oh they were also showing off their new Apple Watch knockoffs (Samsung Gear Fit?) Your brother may be BWM but the Samsung Gear line was released 18 months before the Apple Watch and can be had much cheaper than the barest entry level $349 Apple Watch BEHOLD: MY CAPE fucked around with this message at 20:44 on May 11, 2015 |
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May 11, 2015 20:41
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BEHOLD: MY CAPE posted:Your brother may be BWM but the Samsung Gear line was released 18 months before the Apple Watch and can be had much cheaper than the barest entry level $349 Apple Watch Haha yeah I didn't expect these things to be big ticket items or anything, I think they said they were $100 each? But still, if you're stretched so thin that one partner has to work two jobs and doesn't have any time off, maybe you should forgo the fancy pedometers.
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May 11, 2015 21:29
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The latest p2p loan I looked at that was rather sad was for debt consolidation. They spent $23k on their wedding entirely on credit cards. So they went to p2p lending so that they could pay 20.5% instead of 22-24% interest on credit cards.
Devian666 fucked around with this message at 02:55 on May 12, 2015 |
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May 11, 2015 22:57
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Devian666 posted:The latest p2p loan I looked at that was rather sad was for debt consolidation. The spend $23k on their wedding entirely on credit cards. So they went to p2p lending so that they could pay 20.5% instead of 22-24% interest on credit cards. Buffoons Getting Ahead: Incremental Improvements Edition
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May 12, 2015 01:47
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Jeffrey of YOSPOS posted:They should have called the police and told them they were selling meth, then bought the now-sheltered puppies on the cheap. If the police raided a suspected "meth house" I'm positive no dogs would have left that property alive, caged or not.
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May 12, 2015 02:07
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Street Horrrsing posted:If the police raided a suspected "meth house" I'm positive no dogs would have left that property alive, caged or not.
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May 12, 2015 02:46
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Why would you pay that much for a dog and why would you drive that loving far for it? That's ~4 hour drive for a loving dog.
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May 12, 2015 05:02
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Suspicious Lump posted:Why would you pay that much for a dog and why would you drive that loving far for it? That's ~4 hour drive for a loving dog. My mother paid that much to adopt, transport and fly (first class apparently) a middle-aged dog from rear end in a top hat Texas to Hartford. It had some spine problem and had to be put down less than 3 years later. I also know a guy that paid $3,000 - as in Three Thousand American United States George Washington Greenback Dollars - for a cat. A purebreed Abyssinian admittedly, and holy poo poo is that a beautiful cat, but my cat cost $75 in adoption fees at the shelter and she's cooler than that weird thing. 
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May 12, 2015 05:16
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My dad's a real-estate agent and when doing leases, he'll have people drop $450 non-refundable deposits per pet on nine-month terms. Maybe one a month or so, he'll always point them out to me and we'll roll our eyes. edit: I know a guy who has a somewhat impressive facebook presence as an artist. He used that as leverage to set up a successful kickstarter for $1900 for emergency cat surgery. Smart on him for being bad with other people's money. i say swears online fucked around with this message at 05:32 on May 12, 2015 |
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May 12, 2015 05:28
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How is it a "deposit" if it's "non-refundable?" Isn't that just a fee?
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May 12, 2015 05:47
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Suspicious Lump posted:Why would you pay that much for a dog and why would you drive that loving far for it? That's ~4 hour drive for a loving dog. That's not unusual for a dog at a respectable breeder with a known lineage (to prevent puppy farming / lovely genetics). And to a lot of people a dog is more than "a loving dog." MAKE NO BABBYS posted:How is it a "deposit" if it's "non-refundable?" Isn't that just a fee? Generally non-refundable just means you can't back out of the deal without forfeiting the deposit. If it does mean "you give me money and never see it again" then that's super sketchy / fraudulent.
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May 12, 2015 05:53
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berzerker posted:That's not unusual for a dog at a respectable breeder with a known lineage (to prevent puppy farming / lovely genetics). And to a lot of people a dog is more than "a loving dog." Don't fall in love with an expensive dog. Do fall in love with someone richer than you though.
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May 12, 2015 06:40
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MAKE NO BABBYS posted:How is it a "deposit" if it's "non-refundable?" Isn't that just a fee? Non-refundable deposits are pretty common thing, like when you buy a car, usually have to put a few hundred down as a non-refundable deposit while you get the rest of money in order to cover their costs if you walk away. It's a deposit because it comes off the price, a fee would go on top of it.
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May 12, 2015 06:53
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berzerker posted:That's not unusual for a dog at a respectable breeder with a known lineage (to prevent puppy farming / lovely genetics). If you want a dog with good genetics, get the mutt with the most undiscernable lineage at the local humane society.
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May 12, 2015 06:55
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