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Devian666 posted:It's a kind of torture to see that. I guess personal loans can be so expensive these days that they compete with credit card rates. They're both unsecured loans, so it shouldn't be that surprising that the interest rates are close. Heck, some banks don't even do personal loans anymore, they've just moved that business to their credit card division or subprime affiliates.
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Jul 22, 2015 05:20
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Reading this thread reminded me of something my dad did a couple years back. Our washing machine broke, so we went to Sears to buy a new one. When we get there, he decides to get the set - the washer and the dryer. He wasn't prompted by a salesman. We basically walked into the store, looked at the machines, hailed someone down, and bought the pair. I kept trying him to convince him how stupid it would be to buy a new dryer when the old one worked perfectly well, but he kept saying, "They have to match." In retrospect, his obsession with having a matching set mades sense when I think about how much some minor aesthetic flaw would annoy him. He'd get angry if the sink wasn't spotless. Getting annoyed by dirty dishes is relatively normal, but he freak out if there was a single thing in the sink. Sometimes, after I finished eating, I would wash everything but my fork. JuanGoat fucked around with this message at 09:07 on Jul 22, 2015 |
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Jul 22, 2015 09:03
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Nail Rat posted:When you face the yolo, you have to accept the consequences, whatever they might be." Ugh,I wanted to read this but he deleted it
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Jul 22, 2015 11:21
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SpelledBackwards posted:I'm assuming (hoping) the new card gave some sort of travel-related signup bonus, and that its sole purpose was not just to finance the trip. Please tell me that's the case. Nah the sole purpose was to finance the trip. They just got back from Cabo like 2 months ago yeesh. I'm not sure what they're thinking. Devian666 posted:You'd hope there's some card churning for air miles so the whole trip is free. However I doubt that's what happened. No. I was told she got that card "because it had a good rate". 
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Jul 22, 2015 17:06
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Announcing to everyone that you are leaving the house empty for a week or two: bad with security.
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Jul 22, 2015 18:17
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CannonFodder posted:Announcing to everyone that you are leaving the house empty for a week or two: bad with security. When Facebook first came out, someone wrote a script that trolled public profiles that had a home address listed and the owner was checked in somewhere else, like a restaurant or holiday, and posted the profile to a website called breakintomyhouse.com or something like that.
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Jul 22, 2015 18:21
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But then if you have Theft insurance, you can use the pay out to pay off the trip debt.
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Jul 22, 2015 18:25
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Potential bad with money: My neighbors inherited a timeshare and they don't want it. Instead of selling it they want to give it to me, provided I handle the $450 yearly maintenance fee. I am mildly interested in the property itself, but it's part of the RCI network and I can go anywhere in the world for an extra $200 transfer fee. Is this a good idea? I would avoid the $7000 buy-in and could potentially sell it later (but I wouldn't immediately because that would be a dick move to my neighbors). what am i doing BFC i'm about to own a timeshare help
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Jul 22, 2015 18:43
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Eh buying one is terrible but if it's $450 maintenance to have it for a week every year, or $650 for a week to go somewhere else, that's not so bad if you're not paying a big upfront purchase price. It's hard to get a deal like that on even VRBO or AirBnB for desirable locations.
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Jul 22, 2015 18:46
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There's other upfront cost though, you gotta pay for airfare to get there, and it has a week's opportunity cost since maybe you want to spend your vacation time doing something else. Honestly the opportunity cost of using vacation time is the limiting factor on my travel, which is kinda sad but it's true. If it's a place that sounds interesting enough to visit every year (...for me there's no such place), and/or you know of other locations that you'd want to travel to every year, it might be okay. For what it's worth, my prediction will be you go somewhere the first two or three years, let it sit and pay the fee without going two out of the next three years, and will sell it after that.
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Jul 22, 2015 18:58
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I was offered the exact same deal a couple weeks ago: free, just take over the maintenance fee. I said thanks but no thanks. What if we want to go somewhere else that year? What if we can't take vacation at the same time? What about when we want to get rid of it? What if one of us sprains our ankle and can't have any fun? It's a white elephant. Timeshares are for suckers. cue 20 people jumping me
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Jul 22, 2015 21:16
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My husband and I will be in the same position whenever his parents pass, and it's RCI too. Apparently it's in the will that he gets the timeshare, and we're not dreading it at all (well, other than the whole death part). It's a beautiful resort in Cayman, I could easily see myself staying there once a year indefinitely, especially now that we live right next to an airport that has nonstop flights there. And since they've been timeshare owners for so many years they constantly get free weeks or other benefits. It seems pretty cool, but I'm getting all of this second hand from someone who has drank the koolaid. It's possible there are fees or other negatives involved that will make me say no way when it comes down to it. But until then I will daydream!
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Jul 22, 2015 21:51
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It's not a timeshare it's FRACTIONAL OWNERSHIP. Don't you want to be a HOME OWNER????? 
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Jul 22, 2015 21:57
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My wife used to work collections for a timeshare group based in Mexico. The maintenance fee is always going to be there whether you use it or not. You also have to pay to a booking fee for when you do use it, and it tends to be at a bare minimum the cost of the maintenance fee or more. Popular weeks tend to be blacked out and unavailable except to premium timeshare account holders. Might be different with a cheap timeshare that isn't really in a desireable location. E: top of the line maintenance fees were over $1500 BloodBag fucked around with this message at 22:17 on Jul 22, 2015 |
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Jul 22, 2015 22:10
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My in-laws own not just one, but two timeshares at the Ritz Carlton on St. Thomas. The maintenance fees are $10,000+ per year. They use the poo poo out of them though (2 weeks in summer and 2 in winter). Besides their regular weeks they get extra weeks on the cheap. Priceless: being able to go on vacation with my in laws and stay in a completely different unit. We used to stay in the same unit, but my MIL is pretty crazy. RheaConfused fucked around with this message at 23:34 on Jul 22, 2015 |
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Jul 22, 2015 23:15
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NancyPants posted:I don't know if it's different in the UK but in the US, you pay that fee whether you pay it on time or not. You write the check for $435 and get $400 cash or something close. You don't get a refund for paying it back sooner; as soon as cash changes hands, they've "earned" that fee. Yeah you pay about that much if you pay it off on time. But the APR shows as like, 5000% or whatever, but you're not ever actually meant to pay back 5000% of the loan because you would never (in theory) have a payday loan over an annual period. Just like you're not generally meant to get a black cab from London to Edinburgh, it's the wrong service and it would be ridiculously expensive. The problem happens because sometimes people do have payday loans that long, and then they're totally hosed. But listing an APR of one billion percent or whatever is still pointless as it isn't going to put most of those people off as they have no idea what it means. jaymeekae fucked around with this message at 03:03 on Jul 23, 2015 |
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Jul 23, 2015 02:50
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jaymeekae posted:Yeah you pay about that much if you pay it off on time. I understand what you're saying but that doesn't make it pointless to post APR for something that is only supposed to go 2 weeks. Just because stupid and desperate people will disregard it doesn't mean the terms should be obfuscated; APR lets you compare two products as apples to apples. The point is you CAN drag out one of those loans for a drat long time, and if you do, that's what you're paying. If you take out one of those loans every payday, that's what you're paying.
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Jul 23, 2015 04:10
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Spiffness posted:https://www.reddit.com/r/wallstreetbets/comments/3e42hc/well_fuck/
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Jul 23, 2015 04:10
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Suspicious Lump posted:It's all jibberish now. Anyone quote or screenshot? The gist was that he was going to take his last $10K and flee the country, with no plan beyond: go to airport -> get on plane.
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Jul 23, 2015 06:06
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I work for a language school and we were having an issue with one of our freelance trainers missing some classes, so someone in our HR department contacted him. With the prompt of "I understand you're ill today, but I wanted to set up a time to talk this week if you're up for it" the trainer goes into this amazing BWM spiel:quote:I understand why you want to meet. However, I would like to just cut to the chase and let you know what has been going on the last couple of weeks. Basically, due to the Greece situation and the crash in Chinese shares, my investment in Apple has gone for a wild ride. I invested at the lows of 2013 and have followed it all the way up. Yesterday, earnings came out and they were very strong. However, as I expected the stock sold off. It's off 5% as I type this. I have to make a decision to hold or sell. I don't know which I will choose. 
Total Confusion fucked around with this message at 09:16 on Jul 23, 2015 |
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Jul 23, 2015 09:13
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Gold and a Pager posted:I work for a language school and we were having an issue with one of our freelance trainers missing some classes, so someone in our HR department contacted him. With the prompt of "I understand you're ill today, but I wanted to set up a time to talk this week if you're up for it" the trainer goes into this amazing BWM spiel:  I think I would take a lot of pleasure in responding to that email with "Let me remove one of your burdens then. You're fired."
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Jul 23, 2015 10:23
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NancyPants posted:I understand what you're saying but that doesn't make it pointless to post APR for something that is only supposed to go 2 weeks. Just because stupid and desperate people will disregard it doesn't mean the terms should be obfuscated; APR lets you compare two products as apples to apples. Yeah sorry I don't mean the terms should be obfuscated, I mean something else should be *added* to make it clearer why it is a problem.
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Jul 23, 2015 11:09
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What kind of priveliged life do you have to lead to think that 35 hours a week is backbreaking? JFC
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Jul 23, 2015 11:19
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BloodBag posted:What kind of priveliged life do you have to lead to think that 35 hours a week is backbreaking? JFC Not saying it's the case, but if you're teaching and have to do prep (unpaid, most certainly) for many of those 35 hours, it could get pretty ridiculous.
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Jul 23, 2015 11:31
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BloodBag posted:What kind of priveliged life do you have to lead to think that 35 hours a week is backbreaking? JFC Maybe he's referring to the nature of the work and not the quantity. 35 hours a week of non-stop ditch digging would qualify as back breaking, for example.
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Jul 23, 2015 11:31
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Magic Underwear posted:Maybe he's referring to the nature of the work and not the quantity. 35 hours a week of non-stop ditch digging would qualify as back breaking, for example. But he's a teacher... In any case it honestly sounds like that person is having some kind of breakdown.
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Jul 23, 2015 12:32
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Well now that he's fired (he WAS fired for that right?) he'll have the time to be the stock market guru he knows he can be 
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Jul 23, 2015 14:03
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Alaska card is worth it for the yearly companion fair if you travel in their flight areas. We grabbed a card specifically for a hawaiian vacation once. - edit - man that was a long time ago. I shouldn't leave SA open on my laptop for a week and forget about it.
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Jul 23, 2015 14:52
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I don't want to know what kind of ridiculous psychological burden you take on when you begin to associate "missed stock opportunities" with "money lost."
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Jul 23, 2015 16:07
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It always pleases me when people when people talk about individual stock prices and company properties as if they can somehow divine the future price, especially without doing any statistical analysis on it. That guy would probably be just as emotional over and make up just as many metrics to predict the future of a random number generator he watched, he's just named his AAPL.
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Jul 23, 2015 16:13
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Not a Children posted:I don't want to know what kind of ridiculous psychological burden you take on when you begin to associate "missed stock opportunities" with "money lost." There's an infinite amount of money on the table RIGHT NOW waiting for you to make it!
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Jul 23, 2015 16:15
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I don't know, thinking about opportunity costs is something people should do more often, not less. Of course that guy is reading tea leaves and backward rationalizing, but it's not always that. Most people would be better off if they did think about the money they'd make in index funds instead as part of the "price" of a new car.
Jeffrey of YOSPOS fucked around with this message at 16:26 on Jul 23, 2015 |
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Jul 23, 2015 16:24
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Tigntink posted:Alaska card is worth it for the yearly companion fair if you travel in their flight areas. We grabbed a card specifically for a hawaiian vacation once. Alaska card is worth it if you pick up four in a year, get four $100 credits to offset four $75 fees, and use the miles for a first class airfare on Emirates to Asia 
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Jul 23, 2015 17:16
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Jeffrey of YOSPOS posted:That guy would probably be just as emotional over and make up just as many metrics to predict the future of a random number generator he watched, he's just named his AAPL. Welcome to the world of people who think that they have a system to predict lottery numbers.
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Jul 23, 2015 17:22
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Craptacular posted:Welcome to the world of people who think that they have a system to predict lottery numbers. I guess randomly picking stocks is a better thing to do with your money than playing the lottery or roulette, maybe that guy dodged a bullet.
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Jul 23, 2015 17:33
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It's true, the odds are probably better than craps, but confirmation bias is going to get the better of him. Picking one great stock early on in an investing career probably predisposes one to some hubris. If you're gaining and losing a month's wages on one stock in a single day, and that bothers you to the point where you can't do your job correctly, maybe you shouldn't be in the market
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Jul 23, 2015 18:09
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Gold and a Pager posted:I work for a language school and we were having an issue with one of our freelance trainers missing some classes, so someone in our HR department contacted him. With the prompt of "I understand you're ill today, but I wanted to set up a time to talk this week if you're up for it" the trainer goes into this amazing BWM spiel: Now this is what I read this thread for.
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Jul 23, 2015 18:55
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I'm not exactly sure why Apple stock would go down because of Greece. 
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Jul 23, 2015 18:57
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Randler posted:I'm not exactly sure why Apple stock would go down because of Greece. Neither does this guy, he's just convinced that it has SOMETHING to do with it No way a company can underperform on its own, there's got to be something else going on!
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Jul 23, 2015 19:01
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Not a Children posted:It's true, the odds are probably better than craps, but confirmation bias is going to get the better of him. Picking one great stock early on in an investing career probably predisposes one to some hubris.
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Jul 23, 2015 19:02
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