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John Smith posted:Bit of a derail, but you are not subjected to American law while on-board the cruise ship if the ship isn't flagged in America. From my understanding, which may be wrong, it is also a bit of a hassle if it is not the case that both the victim and the criminal is American. You're subject to the laws of the flag state and the captain really doesn't have that much leeway (the cruise line has strict procedures). America has some weird laws that give their enforcement agencies extra territorial powers in some cases, and everybody lets them do what they want so they might get involved... But yeah at the end of the day you're in a foreign country so expect foreign laws. There's surprisingly little crime on cruise ships (spent six months on one, we had a single incident that I can recall, someone helping themselves to someone's stuff I think). It's just that whenever something happen the media and lawyers get all over it. Now if the ship were to start sinking... That's another story.
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Sep 20, 2015 13:07
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Pompous Rhombus posted:Would you go so far as to say bakers tend to be... unsavoury? If you wanted to spell it wrong, maybe. 
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Sep 20, 2015 13:18
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CelestialScribe posted:Nothing wrong with a cruise, but it's all about balance. I've spent the last three vacations with my wife jam packed with travel and seeking out little great things to see. I could do with a week on a deck chair and a book. I've thought about maybe going on a cruise at some point, possibly this new Star Trek themed cruise that's just starting up. I'm mostly curious about how good the poker players tend to be in cruise ship casinos. If they're casual enough, then cruises could be Good With Money for anyone capable of grasping general poker strategy (I have a basic understanding of what constitutes a hand worth playing, but no real talent for hand reading).
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Sep 20, 2015 16:02
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Do cruise ships have regular poker table? All I can remember was some sort of "Caribbean poker" that had terrible odds, but then that was ten years ago and hey didn't encourage crew members to hang around the casino. It's mostly slots and some blackjack down there, from what I've seen.
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Sep 20, 2015 18:43
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Not all cruise ships have real poker in the casino, and even on those that do you will be unable to find enough action to make real money.
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Sep 20, 2015 21:31
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SlapActionJackson posted:That would be Casey Serin (https://en.wikipedia.org/wiki/Casey_Serin) of IAmFacingForeclosure.com fame. These Aussies are literally Casey x3. Wow. He was just throwing crap at the wall and hoping something would stick, wasn't he? quote:After staying offline for a few months, Serin resurfaced as a contract blogger doing work on ForeclosureHelpBook.com. This freelance work ended in October 2007. Casey resurfaced with a new blog, EscapeMyHouse.com, which was taken offline in November 2007. As of January 29, 2008 he had started and then stopped a blog based on his information on gold stocks, most specifically GoldSpring (GSPG) called MillionaireByChristmas.com. melon cat fucked around with this message at 22:14 on Sep 20, 2015 |
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Sep 20, 2015 21:57
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Judging by that wikipedia entry, he's probably better at flipping domains than houses.
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Sep 20, 2015 22:05
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Cockmaster posted:I've thought about maybe going on a cruise at some point, possibly this new Star Trek themed cruise that's just starting up. I'm mostly curious about how good the poker players tend to be in cruise ship casinos. If they're casual enough, then cruises could be Good With Money for anyone capable of grasping general poker strategy (I have a basic understanding of what constitutes a hand worth playing, but no real talent for hand reading). They're terrible, but what matters is the rake -- on cruise ships it's often uncapped which makes a cash game really drat hard to beat. The tournament structures will be crapshoots and probably also have an insanely high rake. Reading a poker book will put you miles ahead of anyone at that table but won't put you anywhere near making money. And if you actually are decent at poker then any land casino is going to be a better use of your time even if the players there aren't nearly as poo poo. Also there will be like ten people on the whole boat who will put $100 towards trying that poker thing and then realizing it's not as fun as it looks on tv and going back to blackjack. fisting by many fucked around with this message at 22:19 on Sep 20, 2015 |
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Sep 20, 2015 22:17
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There was one poker table on a Carinval cruise I went on six years ago, and the level of players made it a "V.Good With Money" option.
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Sep 20, 2015 23:09
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melon cat posted:Wow. He was just throwing crap at the wall and hoping something would stick, wasn't he? They are both get rich quick schemes afterall.
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Sep 21, 2015 00:32
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https://www.reddit.com/r/personalfinance/comments/3lsthg/bulk_precious_metals/ posted:I'm curious if any of you buy metals to keep for yourself. I can buy these on the stock market but I don't actually hold the metal. Anyone do this? Any advice? I'm looking to diversify my assets. One of OPs replies: "Gold has held value since the beginning of civilization. This isn't a RoI type of thing, more of a peace of mind/bartering tool if our currency has a huge collapse."
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Sep 21, 2015 15:22
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If I thought society was going to collapse, I'd hoard toilet paper. Lots of people have thought of hoarding bullets, gold, and canned food, but TP is going to be king once people realize they're running out of it.
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Sep 21, 2015 15:47
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Just found out today that one of my coworkers is BWM. It's a long story, but the short version is that his kid got diagnosed with autism and he and his wife decided to go on an anti-vaccine rampage... by suing the government. Over the past year they've spent an obscene amount in legal fees, and I overheard the other day that they sold their house in Arizona to be able to keep paying the legal expenses in the case.  I don't have numbers unfortunately, but I imagine suing the government must be expensive.
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Sep 21, 2015 16:53
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Haifisch posted:If I thought society was going to collapse, I'd hoard toilet paper. Lots of people have thought of hoarding bullets, gold, and canned food, but TP is going to be king once people realize they're running out of it. I don't think people are going to be killing for it, though, as long as leaves exist. enraged_camel posted:I don't have numbers unfortunately, but I imagine suing the government must be expensive. The therapy that autistic children require is also expensive.... wonder if they are skimping on that to sue the government.
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Sep 21, 2015 17:01
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enraged_camel posted:Just found out today that one of my coworkers is BWM. It's a long story, but the short version is that his kid got diagnosed with autism and he and his wife decided to go on an anti-vaccine rampage... by suing the government. Over the past year they've spent an obscene amount in legal fees, and I overheard the other day that they sold their house in Arizona to be able to keep paying the legal expenses in the case. This is terrible and I feel absolutely awful for that poor kid.
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Sep 21, 2015 17:20
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And now for an example of rental properties going bad. https://www.reddit.com/r/ottawa/comments/3ltek0/my_friend_got_screwed_by_buying_in_ottawa_now_he/ My favorite part is this though: quote:He went to that stupid "I make millions buying and renting condos! So can you!!!" seminar they have all the time.. The one where the guy tells you he is making too much money so he needs you to help him.. sigh.. TL;DR Guy buys two Condo's, lives in one, rents the other. Runs into vacancy problems, goes bankrupt, and loses both.
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Sep 21, 2015 19:01
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enraged_camel posted:Just found out today that one of my coworkers is BWM. It's a long story, but the short version is that his kid got diagnosed with autism and he and his wife decided to go on an anti-vaccine rampage... by suing the government. Over the past year they've spent an obscene amount in legal fees, and I overheard the other day that they sold their house in Arizona to be able to keep paying the legal expenses in the case. Who the hell are they suing? Who can you sue for that anyway? FDA? HHS? CIA?
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Sep 21, 2015 19:20
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BigDave posted:Who the hell are they suing? Who can you sue for that anyway? FDA? HHS? CIA? Obama, obviously.
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Sep 21, 2015 19:49
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BigDave posted:Who the hell are they suing? Who can you sue for that anyway? FDA? HHS? CIA? Whichever branch of the US government is responsible for public immunization policy, I think. If there is such a branch.
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Sep 21, 2015 19:51
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enraged_camel posted:Whichever branch of the US government is responsible for public immunization policy, I think. If there is such a branch. That would be MKULTRA, MAJESTIC-12 and the KGB.
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Sep 21, 2015 19:52
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enraged_camel posted:Whichever branch of the US government is responsible for public immunization policy, I think. If there is such a branch. Is it even a federal thing?
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Sep 21, 2015 19:53
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Subjunctive posted:Is it even a federal thing? I'm wondering the same thing. I don't care enough to go find out though. 
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Sep 21, 2015 20:12
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The FDA maybe? How do you even counter the hundreds of thousands of pages of scientific evidence saying there is no link between vaccines and autism? "Your honor, I'd like to submit this HTML link to a mommy blogger's WordPress site as evidence."
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Sep 21, 2015 20:14
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I'm guessing they're suing to get access to that massive pot of money here: http://www.hrsa.gov/vaccinecompensation/index.html
Radbot fucked around with this message at 22:19 on Sep 21, 2015 |
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Sep 21, 2015 20:31
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Golluk posted:And now for an example of rental properties going bad. Yeah... I'm not sympathetic to that guy. Everyone I've ever known who trumpets real estate as a "guaranteed" investment simply won't listen to anyone else who gives cautionary advice, or any advice advising against real estate. They just roll your eyes, and label you as a dummy for having a well-diversified (and liquid) investments portfolio. Also, for any Americans in this thread who are unfamiliar with Canadian bankruptcy: declaring bankruptcy is much more difficult to do in Canada than it is to do in the U.S. Most people get their bankruptcy applications declined if they ever did so much as contribute to their RSP (Canadian version of a 401K). And if you ARE "successful"in declaring bankruptcy in Canada, you lose everything. So the guy in that Reddit post is definitely not in a good financial position. The Mandingo posted:One of OPs replies: "Gold has held value since the beginning of civilization. This isn't a RoI type of thing, more of a peace of mind/bartering tool if our currency has a huge collapse." melon cat fucked around with this message at 23:58 on Sep 21, 2015 |
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Sep 21, 2015 21:10
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Radbot posted:I'm guessing their suing to get access to that massive pot of money here: http://www.hrsa.gov/vaccinecompensation/index.html So the pile of money that's for legitimate real side effects. Perfect. Years ago there was a goon who got his flu shot in the Navy and had major complications. I think the title of his thread was something like, "I got my flu shot and didn't pee on my own for a year." He probably qualified for compensation.
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Sep 21, 2015 21:13
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CelestialScribe posted:That's Australia for you. Many of my friends in their 20s are paying more than 50% of their income on mortgage repayments. No one bats an eye at this. "Gotta get on the property ladder somehow!" Sweden also has a serious real estate bubble with idiots trying to get onto the "property ladder" by borrowing from their parents , 80 % of Swedes think that the prices will just keep on increasing and right now they're increasing about 20 % per year. We had a bad property bubble in the 90s but somehow people have forgotten all about it because this time "it's different".
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Sep 21, 2015 21:30
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http://elitedaily.com/life/savings-20s-something-wrong/1214445/ - If You Have Savings In Your 20s, You’re Doing Something Wrongquote:I don’t have any savings, but I also don’t have any wants. treat yo self
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Sep 21, 2015 23:18
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When you care about your 401k, your life is just k.
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Sep 21, 2015 23:22
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If that wasn't a deliberate tee-up for a billion other blogs to pile on her (linkbacks and SEO signals ahoy, let alone the well-heeled firms interested in "disproving" her), then I'm going to steal the idea and incorporate it into my next content marketing pitch.
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Sep 21, 2015 23:27
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That article was such a perfect troll that our 401k manager is writing a rebuttal to our company.
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Sep 21, 2015 23:43
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What's the internet law that says the best way to get accurate information is not to ask for it, but to post inaccurate information.
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Sep 21, 2015 23:46
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i'm poor as hell but i'm gonna contribute 4% to my 401k because that's what my employer matches and I'm not about turn down free money
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Sep 21, 2015 23:50
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Because when I'm a 70-year old pensioner who's opening up cans of cat food for dinner, I don't want to find myself thinking, "drat, I wish I took some more taxicab rides back in my 20s!" No ragrats.
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Sep 22, 2015 00:01
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That article smacks of sour grapes.
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Sep 22, 2015 00:09
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Lord Tywin posted:Sweden also has a serious real estate bubble with idiots trying to get onto the "property ladder" by borrowing from their parents , 80 % of Swedes think that the prices will just keep on increasing and right now they're increasing about 20 % per year. We had a bad property bubble in the 90s but somehow people have forgotten all about it because this time "it's different". The problem is it isn't a bubble here. Prices are going to remain high because we have few major cities.
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Sep 22, 2015 01:08
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Breetai posted:Boomeranging after being made redundant due to a reorg, realising that buying a house in Australia on a single salary is generally beyond the reach of sanity, and deciding to swallow my pride and staying put after I quickly found a better job and putting 80% of every single paycheck directly into a bank account and completely forgetting it exists for 5 solid years. My car is literally old enough to vote (1995 Nissan Pulsar Q Hatchback - I swear the fucker's indestructible even though I take the bus to work every day and only really use it on weekends), I only got a smart phone 2 years ago after I accidentally left my Nokia brick in my jeans in the wash (Sony Xperia Sola for $cheap) and only got mobile internet data 2 months ago after a recent raise could justify me increasing my discretionary spending so that I pay $30/mo on mobile rather than $15/mo, and the only real holiday I've been on in this period was a long weekend trip up to visit my best friend after she moved up to Melbourne (paid for by sticking any cash I had of the 20% I allow myself to access every week into a piggy bank until I had enough for tickets and spending money), but on the bright side I've enough money to comfortably buy a house by the end of the year and not only maintain it, but live on something other than ramen noodles for the next 30+ years of my life.
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Sep 22, 2015 01:19
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Suspicious Lump posted:Have you considered putting your money instead in an offset account and only paying 20% deposit? Run the numbers and you might find out it's better idea. If you're saving at such an insane rate then paying off the principle amount should be easy. Definitely considering it - the budget I'm planning has a lot of provisions for putting aside regular amounts of money for ongoing expenses (medical, emergency fund, emergency home repair, 10% of net pay into long term savings) and I may as well have that money working for me at maximum efficiency. I'll crunch the numbers when I'm at the stage of comparing loan options.
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Sep 22, 2015 01:58
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CelestialScribe posted:The problem is it isn't a bubble here. Prices are going to remain high because we have few major cities. edit: whoooaaaaa quote:And there is a near consensus among economists in Sweden that a fundamental problem with the Swedish housing market is the regulated rental market. Rents are set in negotia-tions where central organizations representing landlords and tenants agree on “fair rents” (bruksvärde). Cicero fucked around with this message at 02:11 on Sep 22, 2015 |
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Sep 22, 2015 02:04
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Yeah that's true. It's just hard to accept the idea I may never buy a house. You can't buy a liveable place for a family here for less than 400,000, and I live 35kms from the city.
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Sep 22, 2015 02:05
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