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enraged_camel posted:I absolutely don't understand how people can stay in relationships like that.
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Sep 13, 2015 06:23
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Haifisch posted:But it's Bad with Money because it's a food other than rice and beans. Nurses make plenty, my girlfriend makes $42/hr plus shift differentials. Mind you there are tons of terrible nursing jobs out there though.
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Sep 13, 2015 15:11
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One problem (of many) is that a lot of the better programs in a lot of regions have waiting lists and this person is only in the prerequisite stage. There's a big if in terms of getting into a nursing school in a reasonable timeframe. Better hope they get those A's. I mean, best of luck to them but if they get in they're gonna be stuck doing as much off shift OT as possible if life doesn't keep them from attending school.
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Sep 13, 2015 15:41
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Since Blue Story's thread in E/N is currently closed, I'll share this here: I met a Star Wars Hoarder in real life yesterday. He is the friend of an acquaintance, and he had multiple Star Wars decals on his car and a Darth Vader shirt on, so of course I asked him how excited he was for the new movie. He said he was so excited he could barely breathe, but was disappointed in the selection of the toys that came out. He was visiting his mother when they were released, and she wouldn't let him borrow her car ("it's not like she was using it, either!") so he rented a car to go buy Star Wars toys at midnight at Wal-Mart. Elsewhere in the conversation he mentioned that all his current Star Wars toys are boxed up and that he needs to buy all new shelves to display them on. It's possible he's got the income to support this as a single guy with no kids, but geez.
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Sep 13, 2015 18:14
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HelloIAmYourHeart posted:It's possible he's got the income to support this as a single guy with no kids, but geez. Well it's only BWM if he can't afford it. Weird hobbies aren't themselves BWM.
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Sep 13, 2015 18:32
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enraged_camel posted:I absolutely don't understand how people can stay in relationships like that. Maybe they don't have much to offer, and it is the best they can do? Sometimes a broken relationship is still better than no relationship. Not so much if you are getting your rear end beaten everyday, but more so if it is merely not functioning all that well.
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Sep 13, 2015 19:07
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The foundation of all relationships is trust. If you can't trust someone, you cannot have a meaningful relationship with them. She needs to sever.
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Sep 13, 2015 19:40
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Someone on my friends list liked this post about ferreting away cash for when the world ends. (I knew she wanted to build a house "off grid" but now I'm questioning her sanity.) While the article itself is bizarre, the comments are arguing that you're better off burying gold in your backyard. https://www.facebook.com/SurvivalLife/posts/1002069046511607 One of my favorites: quote:Do my let people bullshit you. Currency can bottom out overnight. Gold and silver will be the base line when SHTF. Then ammo, alcohol, food next. It would quickly go to a barter system. If someone tells you paper money will hold value is either lying or don't understand the money system. And with gold and silver it needs to be hidden weel. During the great depression authority confiscated gold and silver. Don't be fooled.
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Sep 14, 2015 00:19
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quote:alcohol, ammo, food Very telling order of priorities there.
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Sep 14, 2015 00:22
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...Why do so many people think that gold will become the standard currency for when the world goes tits up considering completely useless from a practical standpoint? I think I know the answer to my question, which is "They're all loving idiots". e: personally I'm saving all my bottlecaps.
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Sep 14, 2015 00:25
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I hoard toilet paper because it's the one thing nobody will think about until the last few squares of the last roll.
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Sep 14, 2015 00:35
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Renegret posted:...Why do so many people think that gold will become the standard currency for when the world goes tits up considering completely useless from a practical standpoint? Gold is really the only option for a currency. This article explains why - http://www.npr.org/sections/money/2011/02/15/131430755/a-chemist-explains-why-gold-beat-out-lithium-osmium-einsteinium But I'm wondering what the people who survive the apocalypse will do with the 171,000 tonnes of gold in existence. I guess you could have your horse carry some of it. Not all of it would be accessible. But I do wonder if the huge amounts of gold we have mined recently would change things.
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Sep 14, 2015 00:39
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Renegret posted:...Why do so many people think that gold will become the standard currency for when the world goes tits up considering completely useless from a practical standpoint? The do zero research into what happens in disaster zones and have no idea. Every survival strategy they come up with is from watching zombie movies. Cash is pretty drat handy when power or communications are out (which frequently happens in a disaster).
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Sep 14, 2015 00:43
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I actually sympathize with people who store things like food and supplies, but civilization has to fail a very specific amount for gold to be valuable when fiat money isn't.
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Sep 14, 2015 00:50
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Renegret posted:...Why do so many people think that gold will become the standard currency for when the world goes tits up considering completely useless from a practical standpoint? It's rare, it's shiny, we've got 10,000 years of cultural lust for it. It also has a very standard value (i.e. very valuable) and doesn't rot or rust. What I don't get is what these people plan to do with all their gold. Say you have 1 ounce of old and you are dying of thirst and I have a jug of water. Even if I wanted to sell it for less than an ounce of gold - you can't make change. Your gold just bought one jug of water. You could have just bought 1,000 jugs of water and buried them underground if you were that certain fiat currency was going to collapse. Diversify that poo poo. Get some silver and copper for times when you don't want to pay a 1000x markup on some Deer Park bottled water. Or gently caress, just buy dried food, ammo, and hard copy porn. Because that's what's really going to hurt when the grid collapses and everyone's porn disappears. Copies of Hustler and High Society are going to be worth their weight in precious metals.
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Sep 14, 2015 01:12
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I don't think they think it will be an apocalyptic collapse, but more of a gigantic depression that brings down governments, wherein people finally wise up to the terrors of fiat money. I'd rather have food and water, but let's face it, I'm dead in any type of downfall scenario, so I'll just not plan at all.
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Sep 14, 2015 01:48
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Nocheez posted:The foundation of all relationships is BonerGhost fucked around with this message at 01:56 on Sep 14, 2015 |
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Sep 14, 2015 01:53
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Devian666 posted:The do zero research into what happens in disaster zones and have no idea. Every survival strategy they come up with is from watching zombie movies. Yeah I agree about the zombie movies. Even so, I couldn't help but think of all those Walking Dead episodes where they scavenge for gold. 
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Sep 14, 2015 02:09
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Tea.EarlGrey.Hot. posted:Yeah I agree about the zombie movies. Even so, I couldn't help but think of all those Walking Dead episodes where they scavenge for gold. I guess it's more appealing than the reality of survival like drinking your own piss. I keep thinking of doomsday preppers that are hoarders. They are occasionally good at preparing for their specific scenario that may never happen but they aren't very good at surviving everyday life. A local BWM for extra content. http://www.interest.co.nz/personal-finance/77582/elizabeth-kerr-thinks-selling-cars-repay-debt-sooner-better-keeping-them-and quote:We have two late model cars on 7-year loans at $45k and $20k. We live in our own home which has a $400k mortgage on it, and because we have no equity in it we took out a personal loan for $30k when we did the renovations. Good that they are seeking advice but $95k of personal debt and they're going nowhere with their mortgage is a problem. Devian666 fucked around with this message at 03:40 on Sep 14, 2015 |
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Sep 14, 2015 03:28
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Tea.EarlGrey.Hot. posted:Yeah I agree about the zombie movies. Even so, I couldn't help but think of all those Walking Dead episodes where they scavenge for gold. I'm reminded of that scene in The Road where the Man finds some gold Krugerrands and he's just like, 'eh, oooooh canned beans.'
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Sep 14, 2015 03:53
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Hashtag Banterzone posted:Gold is really the only option for a currency. This article explains why - http://www.npr.org/sections/money/2011/02/15/131430755/a-chemist-explains-why-gold-beat-out-lithium-osmium-einsteinium That's about what you can expect from a mouthpiece of the establishment. Everyone knows that bitcoin is the only option for currency.
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Sep 14, 2015 03:53
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BEHOLD: MY CAPE posted:Nurses make plenty, my girlfriend makes $42/hr plus shift differentials. Mind you there are tons of terrible nursing jobs out there though. What area is this in? Most hospitals in the midwest seem to pay between $23-30/hr. That's a pretty healthy jump.
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Sep 14, 2015 05:23
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Some BWM from a Quora thread on "What is it like making around $120K ~ $130K in the US in Sunnyvale, California as a software engineer?". quote:He's not lying. I'm living his life, except I'm a DINK (double income no kids) and it's still terrible. http://qr.ae/RoRndv
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Sep 14, 2015 11:32
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I love people hemorrhaging over $100k while complaining about not being able to make ends meet. If they had bought two used cars for $30k instead of $65k, and bought a cheaper house they could have the exact same objective lifestyle but be saving plenty of money while paying off their debts.
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Sep 14, 2015 12:28
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cowofwar posted:bought a cheaper house quote:350k house, cheapest we could find that didn't need major repairs
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Sep 14, 2015 13:04
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cowofwar posted:I love people hemorrhaging over $100k while complaining about not being able to make ends meet. If they had bought two used cars for $30k instead of $65k, and bought a cheaper house they could have the exact same objective lifestyle but be saving plenty of money while paying off their debts. I agree about the cars, but housing anywhere in the bay area is a nightmare, and it's just getting worse. They aren't doing that bad in that aspect.
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Sep 14, 2015 13:05
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$3,000 in mortgage payments on a $350k house seems pretty high.. Shouldn't a 30 year be more like $2k even with property tax and PMI?
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Sep 14, 2015 14:14
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Is it really $4k/month to rent a 1 bed apartment in North San Jose?
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Sep 14, 2015 14:22
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Droo posted:$3,000 in mortgage payments on a $350k house seems pretty high.. Shouldn't a 30 year be more like $2k even with property tax and PMI? Depends. If they went FHA, and considering they only had 10% down PMI can be pretty brutal in those programs. Also CA taxes are pretty high in general, NC on property. Could be exaggerated but could easily be 2500. They could also have poor credit, bringing their interest rate up. 4K sounds high for rent, unless they had a 3bed huge place.
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Sep 14, 2015 14:42
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No comment on the housing expenses, butBWM posted:My husband makes six figures as a software engineer. I make 5 figures as a technical writer. We live in Newark, CA and work in Silicon Valley. The commute is 30 minutes no traffic, 1-2 hours heavy traffic. She lives in an insanely high cost of living area and doesn't take home $1600 a month?  She spent $130k and can't out-earn what I was making in the Midwest fresh out of high school.
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Sep 14, 2015 14:46
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That's the craziest part about it. $130k in student loans to barely make enough pay for it. Great "investment."Droo posted:$3,000 in mortgage payments on a $350k house seems pretty high.. Shouldn't a 30 year be more like $2k even with property tax and PMI? That does seem high for just a mortgage, it's probably all in. If they put $0 down and had a lovely interest rate, I can't see their mortgage payment itself being more than about $2k. Add property tax, PMI, etc, there's $3k.
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Sep 14, 2015 14:56
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Droo posted:$3,000 in mortgage payments on a $350k house seems pretty high.. Shouldn't a 30 year be more like $2k even with property tax and PMI? Not looking at the reddit post they have a $320k loan. Servicing the interest + principal on that should be about $1528 at 4%, but given the demonstrated financial literacy they're probably looking at their homeowners insurance and pmi payments as part of that $3k figure. I've never bought PMI or homeowners insurance in the bay area, but both of those shouldn't cost much more than another $600/month combined. Assuming continued financial illiteracy let's think they're rounding sub-3k up to 3k, so like $2800. What kind of interest rate do we need to get to $2200/month on a $320k loan? 7.5%  Coincidentally this was about where a bad mortgage interest rate would end up in 2008/2009. Ask me how I know!
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Sep 14, 2015 14:58
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Gabriel Pope posted:No comment on the housing expenses, but To put that in context, $1,600 a month is about 19k a year take home. Assuming around 35% in taxes and deductions, she'd be making mid-20's - or $11 a hour. With 130k in student loan debt. I mean, that's technically a '5-figure salary', but who works in Silicon Valley for 11 a hour? I'm reasonably sure even menial jobs in the area pay more since employees have to commute extra long to get to work.
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Sep 14, 2015 14:59
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jaymeekae posted:Is it really $4k/month to rent a 1 bed apartment in North San Jose? No, this is ridiculous. It would have to be a really sweet apartment like downtown or something. I'm actually looking at apts in this area right now since my next contract is here and renting is cheaper than a long-term hotel. Probably gonna go in on it with a coworker, we can get a decent 2 bedroom, 1 bath for ~2.5k a month and that's with just sort of looking around. If you haunt craigslist there are actual houses for cheaper than that and you don't have to commute from loving Fremont. If they just stuck to renting in the south bay and not having to finance expensive cars they could be doing much better, but ya know, renting is throwing money away... 
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Sep 14, 2015 15:15
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jaymeekae posted:Is it really $4k/month to rent a 1 bed apartment in North San Jose? That's incredibly high. For that, you're getting an ultra-luxury place. A regular 1BR would be half that, and a 2BR would be another $500 - $1000 on top of the 1BR depending on location, size, and niceness. ... that said, in a few years, $4000 may be the norm. In the past 5 years, our 2BR has gone up in rent by $700/mo, and someone else I know who lives in Mountain View has had theirs go up by $1000/mo. It's ridiculous, but that's what happens when you have a bunch of people in the area getting paid very well and a housing shortage.
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Sep 14, 2015 15:44
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Krispy Kareem posted:who works in Silicon Valley for 11 a hour? In-n-Out pays $10.50/hr at entry level, and has a 401k and paid vacation time.
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Sep 14, 2015 17:05
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I found out yesterday that my father in law who has a master in aeronautics and a masters in teaching, 18 years on the job, head of the math department, makes less money than me, a help desk jockey. Being the vehicle of the future of our children - bad with money.
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Sep 14, 2015 17:13
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Krispy Kareem posted:To put that in context, $1,600 a month is about 19k a year take home. Assuming around 35% in taxes and deductions, she'd be making mid-20's - or $11 a hour. With 130k in student loan debt. I mean, that's technically a '5-figure salary', but who works in Silicon Valley for 11 a hour? I'm reasonably sure even menial jobs in the area pay more since employees have to commute extra long to get to work. Maybe she works part-time? She said they were DINK but didn't explicitly say they both work full-time. Tech writer salaries in Silicon Valley are like $75k-$90k, easily. I'm a tech writer and I was making $56k when I started 11 years ago, straight out of college in the Midwest. 
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Sep 14, 2015 17:46
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The Clowning posted:Maybe she works part-time? She said they were DINK but didn't explicitly say they both work full-time. Tech writer salaries in Silicon Valley are like $75k-$90k, easily. I'm a tech writer and I was making $56k when I started 11 years ago, straight out of college in the Midwest. I'd have assumed that "I make 5 figures as a technical writer" was code for "I have a $130k English degree and do freelance work online", but apparently she has a real commute. Even if she was just part time, who commutes 2 hours for a part time gig? She'd have to be spending more time driving than working.
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Sep 14, 2015 18:16
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"Renting is too expensive!" *Buys a house somewhere that requires owning 2 more cars and adds up to 2 hours/day of commute time*
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Sep 14, 2015 18:43
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