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Yeah average is going to be skewed by the crazy high ones that are orders of magnitude beyond typical. Median/percentiles are the right statistics to use.
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Oct 14, 2015 15:08
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really all non-normal distributions should include a measure of skewness and kurtosis 
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Oct 14, 2015 15:12
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It's not like the wedding industry has an incentive to convince the public that everyone is spending a year's gross income worth on their weddings.
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Oct 14, 2015 22:57
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Yeah I mean the markup when the vendor learns it's for a wedding can't be a hint, can it? I have a rule. People who want to dictate how things in my life should be done are invited to pay the bill. Wallets and mouths stay shut that way.
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Oct 14, 2015 23:07
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Jeffrey of YOSPOS posted:Yeah average is going to be skewed by the crazy high ones that are orders of magnitude beyond typical. Median/percentiles are the right statistics to use. yep, mastershakeman is bad with statistics
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Oct 15, 2015 00:41
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NancyPants posted:Yeah I mean the markup when the vendor learns it's for a wedding can't be a hint, can it? Part of that is that dealing with weddings can be... Trying. There's two photographers in my family, they have a general hourly rate, and a wedding rate which is basically $nope. Because they'd rather not work than deal with a wedding, but everyone has a price.
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Oct 15, 2015 01:39
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enraged_camel posted:
I was shopping for a house in the $150k range circa 2005 and my broker said I was approved for an $800k 5 yr ARM since rates are at a historic low and my wife and I (with cheap house down payment savings) have decent income from our (just out of college) jobs. When I said I was more interested in a 30r fixed since that seemed insane, we had the following conversation:
My response: then over 50% of purchasers are crazy since a historic rate low means I can only get screwed by them going up and if they stay the same, then I've locked in awesome or lost out on marginal savings. OGDanDogg fucked around with this message at 02:29 on Oct 15, 2015 |
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Oct 15, 2015 02:27
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quote:
I ran into one of those shadier brokers in a bar once and while I assume many of them were malicious, the one I met was a complete buffoon who had never previously seen any professional financial success so he wasn't even trying to trick people into bad mortgages. He genuinely thought they were a good idea. Hell, he even had one. >_>
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Oct 15, 2015 02:39
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mastershakeman posted:Then again I also know these people:
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Oct 15, 2015 04:35
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mastershakeman posted:50k is a reasonable wedding amount these days for most people, just FYI. I make $200k a year. I'm going to propose to my girlfriend in a few months. I'm not buying her an engagement ring, the rings we do eventually get will be under $1k each, and I refuse to spend more than $10k on the wedding. Ceremony in a college chapel, and party later with booze bought myself and bartenders hired independently. My money is better spent on property, experiences, investments, etc. Weddings are about love, not appearances, and I would never marry someone who disagreed.
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Oct 15, 2015 04:37
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_areaman posted:My money is better spent on property, experiences, investments, etc. Weddings are about love, not appearances, and I would never marry someone who disagreed. For some people their wedding is an experience, much more so than any vacation. They don't choose to have elaborate decorations or food or clothing in order to impress others, but to have the experience they want to associate with getting married. I wouldn't stoop to marry a poor like yourself, and paid cash for my (modest) wedding at 22, mind you. I just don't think you can denigrate wedding expenses in favor of "experiences" quite so simply.
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Oct 15, 2015 05:19
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Not attempting to re-open the KG thread by any means, I think it's good that it's closed for a bit. All that said, the last few posts  .
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Oct 15, 2015 07:26
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_areaman posted:I make $200k a year. I'm going to propose to my girlfriend in a few months. I'm not buying her an engagement ring, the rings we do eventually get will be under $1k each, and I refuse to spend more than $10k on the wedding. Ceremony in a college chapel, and party later with booze bought myself and bartenders hired independently. My money is better spent on property, experiences, investments, etc. Weddings are about love, not appearances, and I would never marry someone who disagreed.
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Oct 15, 2015 12:15
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cowofwar posted:Good luck with that. Ps nice humble brag. Nothing brings the drive-by humblebrags to the BWM thread quite like wedding chat. Even I'm guilty of it. How Bad With Money is joining the Air Force reserves when it looks like the company you're working for is starting to go down the shitter? How soon after going to basic do you start getting paid?
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Oct 15, 2015 13:17
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cowofwar posted:Good luck with that. Ps nice humble brag. But you see, he makes 200k a year. So when his wife divorces him they'll be plenty of community property and she can spend her half on a real wedding with big gaudy SuperBowl style rings.
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Oct 15, 2015 13:17
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Wedding chat shouldn't be allowed here. At least, no one should be able to talk about their own. How many times has this exact discussion happened this year?
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Oct 15, 2015 13:19
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McDonalds up charges an extra dollar for orange juice, but I always get it because it's pretty good. Seriously though what the gently caress, a small OJ ain't a dollar better than a small Coke.
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Oct 15, 2015 13:36
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Weddingchat is my bad guys I posted a wedding BWM without thinking about the ramifications. Earning $100k living hand to mouth quote:I'm not 100% sure how to organize this in my bank app. But looking at the last 2 weeks (since my last paycheck, Sept 24th, here have been my expenses: Can I invest in Marijuana? My husband spent $45,000 on a Chevy without telling me quote:We went out on to the street, as he said, and he said this is the suprise, a ChevY Corvette, he said he spent $45,000 on it, said hed taken out a loan to pay for it, also used some of our family finances. He said it was a surprise for both of us.
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Oct 15, 2015 13:49
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quote:He said it was a surprise for both of us. Well that's definitely true.
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Oct 15, 2015 14:29
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Investing in marijuana businesses sounds good with money to me. Where's the weed ETF?
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Oct 15, 2015 14:32
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Jeffrey of YOSPOS posted:Investing in marijuana businesses sounds good with money to me. Where's the weed ETF? Yeah no kidding. I know that Crazy Calvin's Cannabis Cafe isn't exactly listed on NASDAQ but places like that are basically printing money at this point.
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Oct 15, 2015 14:35
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n8r posted:Not attempting to re-open the KG thread by any means, I think it's good that it's closed for a bit. All that said, the last few posts Thanks for letting me know about this. I stopped following the thread and just checked up on it periodically, but  that was crazy. He is in a bad place emotionally and needs to get his head on straight. Janus Owl is a saint for sticking by him.
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Oct 15, 2015 16:01
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I know bitcoin mining requires ASIC's on an industrial scale and even then isn't profitable. What I wonder is- could I farm out my cpu/gpu to some ignorant bitcoiner to use for bitcoin mining, accepting my pay in cold hard fiat? I could compute electrical+wear+tear and lease it out for say 130% of that, payable in dollars no bitcoins thanks. So, like, they'd pay me 15$ a day in order to mine .000000001 of a bitcoin, at current exchange rates worth .00000001$. That'd be a pretty sweet deal. For me. With how ignorant and greedy bitcoiners are maybe I could find a taker. vvvvv Make it 2$ an hour and we're good to go. I don't care how many bitcoins you get, not my problem Uncle Enzo fucked around with this message at 17:01 on Oct 15, 2015 |
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Oct 15, 2015 16:24
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Uncle Enzo posted:I know bitcoin mining requires ASIC's on an industrial scale and even then isn't profitable. What I wonder is- could I farm out my cpu/gpu to some ignorant bitcoiner to use for bitcoin mining, accepting my pay in cold hard fiat? I could compute electrical+wear+tear and lease it out for say 130% of that, payable in dollars no bitcoins thanks. So, like, they'd pay me 15$ a day in order to mine .000000001 of a bitcoin, at current exchange rates worth .00000001$. That'd be a pretty sweet deal. For me. With how ignorant and greedy bitcoiners are maybe I could find a taker. Sold! I'll give you $2 for every bitcoin I mine.
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Oct 15, 2015 16:42
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Nail Rat posted:Wedding chat shouldn't be allowed here. At least, no one should be able to talk about their own. How many times has this exact discussion happened this year? One of my ex-friends wives wanted a perfect wedding. They conned about 15-20k from my no-longer-friend's parents. Everything was *perfect* as far as bride was concerned. We all wished they spent more, and had less fat friends. No AC during a hot August, no open bar... No Bueno!
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Oct 15, 2015 18:51
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Uncle Enzo posted:I know bitcoin mining requires ASIC's on an industrial scale and even then isn't profitable. What I wonder is- could I farm out my cpu/gpu to some ignorant bitcoiner to use for bitcoin mining, accepting my pay in cold hard fiat? I could compute electrical+wear+tear and lease it out for say 130% of that, payable in dollars no bitcoins thanks. So, like, they'd pay me 15$ a day in order to mine .000000001 of a bitcoin, at current exchange rates worth .00000001$. That'd be a pretty sweet deal. For me. With how ignorant and greedy bitcoiners are maybe I could find a taker. https://www.humankode.com/security/how-a-bug-in-visual-studio-2015-exposed-my-source-code-on-github-and-cost-me-6500-in-a-few-hours
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Oct 15, 2015 20:09
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Phone posted:https://www.humankode.com/security/how-a-bug-in-visual-studio-2015-exposed-my-source-code-on-github-and-cost-me-6500-in-a-few-hours It's true that a bunch of greedy crooks aren't the best clients. I guess better I could just set up a website with fake mining pictures, posing as a mining pool, and sell shares of bitcoins that I actually just bought, pocketing the difference between what they cost to mine (which I charge in full) vs what they cost to buy (much less). It's not uncommon for people to pay tens of thousands of dollars for rigs that generate pennies a day worth of bitcoin. I'd only take payment in cold fiat of course
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Oct 15, 2015 20:50
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I think your plan is awesome and fool proof. You should do it and tell us about it.
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Oct 15, 2015 21:00
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Quarantine this man to the gbs kickstarter thread.
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Oct 15, 2015 22:22
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I don't know which is more bad with money. The person looking for this loan, or the anyone who actually tries to lend them it. But I'm going to guess the person that actually thinks this would be a good person to loan to. Sounds like a great way to clear 20k of debt, and have some property for a few months while it goes to court. http://www.kijiji.ca/v-financial-legal/mississauga-peel-region/70k-loan-needed/1110455120?enableSearchNavigationFlag=true
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Oct 15, 2015 23:27
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Golluk posted:I don't know which is more bad with money. The person looking for this loan, or the anyone who actually tries to lend them it. But I'm going to guess the person that actually thinks this would be a good person to loan to. Sounds like a great way to clear 20k of debt, and have some property for a few months while it goes to court.
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Oct 15, 2015 23:43
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Golluk posted:I don't know which is more bad with money. The person looking for this loan, or the anyone who actually tries to lend them it. But I'm going to guess the person that actually thinks this would be a good person to loan to. Sounds like a great way to clear 20k of debt, and have some property for a few months while it goes to court. quote:I am in need of the above amount to close debt ($20k), pay for closing costs ($20k) and use as downpayment ($30K). I am willing 
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Oct 16, 2015 00:03
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NancyPants posted:Yeah I mean the markup when the vendor learns it's for a wedding can't be a hint, can it? In one of Dave Barry's recent books, he talked about his experience booking a hotel for a wedding. He asked about renting a projector and screen to show off some romantic photos, and the hotel wanted $1500 - when one could walk into Best Buy and buy a decent LCD projector for less than half that. The hotel told him about their union contract which would require two people to do the setup, presumably trying to cover up their "gouge the newlyweds" policy. OGDanDogg posted:I was shopping for a house in the $150k range circa 2005 and my broker said I was approved for an $800k 5 yr ARM since rates are at a historic low and my wife and I (with cheap house down payment savings) have decent income from our (just out of college) jobs. He sounds just like the drug dealers from 1980's PSAs whose primary selling point was "Everybody's doin' it!".
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Oct 16, 2015 00:04
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I spent $15k buying my own engagement ring. It's a pink argyle diamond so it's not big or impressive so I get no social recognition for it. But let's bring back some bankruptcy horse chat! quote:One of my clients told me yesterday that she is thinking about filing bankruptcy, and it got me thinking: what usually happens to horses in bankruptcy cases? I know sometimes you have to sell your pricier assets, but what about just the basic backyard pony that isn't worth very much at all right now? I mean this lady's horses would probably fetch $50 run through an auction, maybe $500 if she were actually able to find a home for them (FWIW, she's been looking). Lol at worrying about the selling price, because if you're filing bankruptcy you can certainly afford the ~$12,000/year in upkeep. quote:She should be able to keep her pets even if she does declare bankruptcy. Horses used for pleasure and not business are considered like pet dogs and pet cats. Bankruptcy is a method to get out of debt and to start over and the court does not require you to wear sackcloth and ashes and go about whipping yourself. Not owning a horse you can't afford is wearing sackcloth and ashes whilst whipping yourself. Old thread but good chat about what happens to the horses in bankruptcy. http://www.chronofhorse.com/forum/showthread.php?196412-horses-and-bankruptcy quote:I know a local trainer who put all her warmbloods in the name of her BO before she filed Ch. 7 BK and sold them at auction under the name of the BO. The trainer kept the cash in her casa but alas, it got stolen by her internet boyfriend... could not call the police because of the situation. Switchback fucked around with this message at 00:56 on Oct 16, 2015 |
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Oct 16, 2015 00:08
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Jeffrey of YOSPOS posted:Investing in marijuana businesses sounds good with money to me. Where's the weed ETF? I had a few hundred in a weed company that promptly doubled, then got shitcanned off the exchanges by the SEC for insider trading last year.
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Oct 16, 2015 00:24
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Subjunctive posted:For some people their wedding is an experience, much more so than any vacation. They don't choose to have elaborate decorations or food or clothing in order to impress others, but to have the experience they want to associate with getting married. That's interesting. Didn't your wife divorce you? Aren't you spending thousands of dollars on "magnet therapy" to cure your depression? Didn't you spend $50+ on TaskRabbit for someone to recycle some cardboard? Also to get some milk because you thought your daughter might get raped or something in your $3k+ SF apartment if you left for 5 minutes? Lmao.
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Oct 16, 2015 01:04
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fits my needs posted:That's interesting. Didn't your wife divorce you? Aren't you spending thousands of dollars on "magnet therapy" to cure your depression? Didn't you spend $50+ on TaskRabbit for someone to recycle some cardboard? Also to get some milk because you thought your daughter might get raped or something in your $3k+ SF apartment if you left for 5 minutes? Lmao. Whoa whoa whoa. Gonna need come citations. You can't drop all those bombs and just bounce like that. I need to feel secure in my laughter lest I leave myself open to feeling foolish for believing such a crazy potentially fabricated story.
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Oct 16, 2015 02:00
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 Duolingo - perpetuating horse equity. BWM.
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Oct 16, 2015 02:10
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quote:I was shopping for a house in the $150k range circa 2005 and my broker said I was approved for an $800k 5 yr ARM since rates are at a historic low and my wife and I (with cheap house down payment savings) have decent income from our (just out of college) jobs. Turns out it wasn't a historic low, rates dropped like 2.5% between then and now. Hindsight 20/20 and all but taking a 5/1 ARM in 2005 was pretty GWM
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Oct 16, 2015 04:04
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Blinkman987 posted:Whoa whoa whoa. Gonna need come citations. You can't drop all those bombs and just bounce like that. I need to feel secure in my laughter lest I leave myself open to feeling foolish for believing such a crazy potentially fabricated story. Totally. Spill it girl, spill it
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Oct 16, 2015 05:09
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