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Subjunctive posted:You're loving adorable. I know, wishful thinking. ShadowHawk posted:Effects on your driver are not an externality, they're a party of the transaction. Externalities are stuff like pollution and wear and tear on the roads that neither of you are paying for. Yeah, I really mean that maybe some drivers will see that they are not taking all costs into account, and then maybe, just maybe some of them will extend that line of thought into other aspects of their life. Probably not though, because people are stupid.
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Dec 16, 2015 19:30
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pathetic little tramp posted:Nothing like a good clickbait article to gin up the ol' badwithmoney: lol if your local grocery store won't do your shopping and deliver it to you for free.
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Dec 16, 2015 19:39
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pathetic little tramp posted:Nothing like a good clickbait article to gin up the ol' badwithmoney: I think it started out in crazy town. Changing your transmission fluid is hard on some cars but rotating your tires? How is that a professional job? It's just good practice for changing a flat on the road side.
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Dec 16, 2015 19:48
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Leviathan Song posted:I think it started out in crazy town. Changing your transmission fluid is hard on some cars but rotating your tires? How is that a professional job? It's just good practice for changing a flat on the road side. Yeah and their big scary thing is "Putting the wrong oil filter on your car can blow your engine." If you don't know how to locate which oil filter is right for your car, you're going to have a bad time with just about everything in life.
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Dec 16, 2015 19:55
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Has this been covered? I don't think so: http://swanluv.com/ Is this what we've become? swanluv.com posted:How it works
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Dec 16, 2015 20:02
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topenga posted:Has this been covered? I don't think so:
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Dec 16, 2015 20:10
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pathetic little tramp posted:Nothing like a good clickbait article to gin up the ol' badwithmoney: Uuh... I would gladly shell out 10-15 € per hour of free time gained from not having to do household chores. I would spend most of the additional free time on learning a new skill I desperately need for my career, the rest on enjoying my life. The main thing keeping me from it are "transaction costs": Overhead from evaluating and selecting potential services, organising and instructing people to do the work, trusting a stranger in my house, etc. Seriously, this is a "penny wise, pounds foolish" attitude.
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Dec 16, 2015 20:48
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pathetic little tramp posted:Nothing like a good clickbait article to gin up the ol' badwithmoney: Even ignoring the Bad With Life that implies past a certain number of hours worked, it's flat out not feasible for a lot of people. topenga posted:Has this been covered? I don't think so:
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Dec 16, 2015 21:20
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BloodBag posted:Blocking texts from Uber while you're a driver for them seems bad with money... Sounds like they're one of those people who never fucks up and it's always someone else's fault when something goes wrong. As well: quote:I have no debt luckily, but it would have been nice to have something to show for after nearly 2 years of driving. I used my parents car and paid the payments. I started doing so bad after they lowered rates though, so it was taking me forever to pay it off and ultimately I never made it. Now 80k miles on a 2014 car with still $12k owed.
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Dec 16, 2015 22:52
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You see it's not debt because she can break even by selling the car.
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Dec 16, 2015 23:08
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A friend just told me that her relative (the one I recently mentioned had bought a new truck for their husband while still living at home) is asking for cash or Target gift cards for Christmas because they "have the truck payment now and don't need anything else." Anything but cash or gift cards to buy basic goods, I guess  
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Dec 16, 2015 23:09
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Senf posted:A friend just told me that her relative (the one I recently mentioned had bought a new truck for their husband while still living at home) is asking for cash or Target gift cards for Christmas because they "have the truck payment now and don't need anything else." I'm just waiting until something goes wrong with their cash flow and you post the unfolding disaster.
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Dec 17, 2015 01:02
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Haifisch posted:"Just pick up more hours at your job! That's a simple thing that literally everyone can do, right?" Oh man, I can remember having this discussion with a co-worker years ago. It's one of those things that if you just skim over the idea and don't put real thought into it, it makes sense. Of course if I get paid $50 an hour I should contract out menial chores that cost less per hour! It will take the same amount of time and I'll have more money! Except, your life will slowly turn into nothing but work work, and c'mon, deep down everyone knows that's bad. It doesn't pass the smell test unless you're a manchild autist. A rich man will pay thousands of dollars to ride a horse up and down a beach and call it vacation. But if you offered him $5 an hour to do the same task, he'd be insulted. This is because we're people, not computer. That article is such a weird calculator person view of life. Plus you would become more reliant on your job, and less independent. It's actively striving to be dependent on other people to care for you. It's the total opposite of financial independence.
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Dec 17, 2015 06:55
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Haifisch posted:So what's stopping people from just not telling SwanLuv they divorced? Or just waiting until it inevitably goes under, because there's no way "hand out free money to marrying couples, hope a few get divorced, get funds from advertising in the meanwhile" is sustainable. I'm kind of curious why any couple who is already GWM along with other signals for a long and successful marriage shouldn't use SwanLuv. Do they audit and make sure you blow your money on a wedding? What if they used the money for some actual GWM purpose instead of a wedding ceremony?
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Dec 17, 2015 07:14
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SiGmA_X posted:Car debt isn't debt. Got it. What I say to all the smug fucks with a mortgage half my retirement savings, while I rent.
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Dec 17, 2015 07:19
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blugu64 posted:What I say to all the smug fucks with a mortgage half my retirement savings, while I rent. At least it's a loan with a collateral. Could be worse.
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Dec 17, 2015 09:22
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SiGmA_X posted:As well: I think he says that because it says he used his parents' car, and was just making the payments for them, so the debt isn't actually his. But, using someone else's car for uber is also a pretty bad idea.
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Dec 17, 2015 12:33
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*blows smoke from fancy cigar* Yeah, I got a zero carried-interest loan on a half-dozen lightly used Pomeranians back in the boom days, then sold them right before the market crash. Made a killing, then used the cash as a down payment to buy&resell AAA-rated tranches of sub-prime irish setters to pet-pension funds. That's how you make money in the high-stakes Puppy Finance biz *swirls scotch*  (my photo, from an army base town) Uncle Enzo fucked around with this message at 17:24 on Dec 17, 2015 |
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Dec 17, 2015 17:20
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https://www.washingtonpost.com/news/business/wp/2015/12/17/pharma-bro-martin-shkreli-arrested-for-securities-fraud/ One could argue this guy may be bad with money...
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Dec 17, 2015 20:25
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He's a gargantuan rear end in a top hat, but he's filthy loving rich. Securities fraud is apparently good with money if you don't get caught.
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Dec 17, 2015 20:34
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Not a Children posted:He's a gargantuan rear end in a top hat, but he's filthy loving rich. Securities fraud is apparently good with money if you don't get caught. Eh, he seems like he's rich. He's actually just been doing a Ponzi scheme. I was so excited that he was arrested, though.
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Dec 17, 2015 20:38
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He bad with money his companies share price dropped by 50% after his arrest.
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Dec 17, 2015 20:56
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Man, what about that guy who shorted KBIO when it was 2 bucks and got hit for over 100k? If that stock returns to a couple bucks a share, it will be the ultimate twist of the knife...
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Dec 17, 2015 21:15
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SmuglyDismissed posted:Man, what about that guy who shorted KBIO when it was 2 bucks and got hit for over 100k?
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Dec 17, 2015 21:22
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crazysim posted:I'm kind of curious why any couple who is already GWM along with other signals for a long and successful marriage shouldn't use SwanLuv. Do they audit and make sure you blow your money on a wedding? What if they used the money for some actual GWM purpose instead of a wedding ceremony? My coworkers speculated that it's not real money. The couple is given a voucher (not a real live check) for whatever amount that is only good with a list of pre-approved vendors (aka, the people they sold your information to).
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Dec 17, 2015 22:37
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Hi, I'm scuz, and I've been making abhorrent financial decisions for 13 years. Finances were never discussed on any level while I was growing up, so I never considered money to be important or anything with which to concern myself and have subsequently racked up loads and loads of debt and don't know how to manage it. I took a better job that I knew I would loathe in order to make more aggressive payments on my cards, but even that's not enough. My total credit card debt is just north of $13k and I'm completely unsure how to handle it. I transferred as much of a balance from one card to a 0% APR card as I could, but it was absolutely not enough. I've already done all I can with my enormous student loan debt, but I've been thinking about getting a consolidated loan from a bank or something because the interest rates on ~8k of the debt is 23.9%, which is way, way high. I'm having trouble with getting a recommendation from anywhere on how to handle this stuff, so I've turned to goons. Any advice is appreciated short of invent a time machine to go slap some sense into my younger self.
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Dec 17, 2015 22:42
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scuz posted:Hi, I'm scuz, and I've been making abhorrent financial decisions for 13 years. Finances were never discussed on any level while I was growing up, so I never considered money to be important or anything with which to concern myself and have subsequently racked up loads and loads of debt and don't know how to manage it. I took a better job that I knew I would loathe in order to make more aggressive payments on my cards, but even that's not enough. My total credit card debt is just north of $13k and I'm completely unsure how to handle it. I transferred as much of a balance from one card to a 0% APR card as I could, but it was absolutely not enough. I've already done all I can with my enormous student loan debt, but I've been thinking about getting a consolidated loan from a bank or something because the interest rates on ~8k of the debt is 23.9%, which is way, way high. I'm having trouble with getting a recommendation from anywhere on how to handle this stuff, so I've turned to goons. Any advice is appreciated short of invent a time machine to go slap some sense into my younger self. Gonna go with "make a thread."
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Dec 17, 2015 22:45
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Uncle Enzo posted:*blows smoke from fancy cigar* We bought a dog from a local store that does that. They showed me the financing and you ended up paying something like 50% interest. I was like "We'll take that one on sale that I can pay in cash". Dog farts a lot but she's sweet.
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Dec 17, 2015 22:52
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scuz posted:Hi, I'm scuz, and I've been making abhorrent financial decisions for 13 years. Finances were never discussed on any level while I was growing up, so I never considered money to be important or anything with which to concern myself and have subsequently racked up loads and loads of debt and don't know how to manage it. I took a better job that I knew I would loathe in order to make more aggressive payments on my cards, but even that's not enough. My total credit card debt is just north of $13k and I'm completely unsure how to handle it. I transferred as much of a balance from one card to a 0% APR card as I could, but it was absolutely not enough. I've already done all I can with my enormous student loan debt, but I've been thinking about getting a consolidated loan from a bank or something because the interest rates on ~8k of the debt is 23.9%, which is way, way high. I'm having trouble with getting a recommendation from anywhere on how to handle this stuff, so I've turned to goons. Any advice is appreciated short of invent a time machine to go slap some sense into my younger self. Make a thread and make an itemized list of all your debts, APRs, and your income and budget. http://unbury.us/ is good if you have multiple credit cards, it tells you how to pay them off. Also, now that the new star wars is out, if only we could get an update from our favorite goon girl.
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Dec 17, 2015 23:00
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Yeah, make a thread and we can try to help, scuz.
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Dec 17, 2015 23:04
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Thanks guys/gals! Getting all the numbers together and will get something up this evening. I'll try to include everything, even utility bills, cuz I guess that's money too.
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Dec 17, 2015 23:24
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scuz posted:Hi, I'm scuz, and I've been making abhorrent financial decisions for 13 years. Finances were never discussed on any level while I was growing up, so I never considered money to be important or anything with which to concern myself and have subsequently racked up loads and loads of debt and don't know how to manage it. I took a better job that I knew I would loathe in order to make more aggressive payments on my cards, but even that's not enough. My total credit card debt is just north of $13k and I'm completely unsure how to handle it. I transferred as much of a balance from one card to a 0% APR card as I could, but it was absolutely not enough. I've already done all I can with my enormous student loan debt, but I've been thinking about getting a consolidated loan from a bank or something because the interest rates on ~8k of the debt is 23.9%, which is way, way high. I'm having trouble with getting a recommendation from anywhere on how to handle this stuff, so I've turned to goons. Any advice is appreciated short of invent a time machine to go slap some sense into my younger self.
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Dec 17, 2015 23:45
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Mercury Ballistic posted:https://www.washingtonpost.com/news/business/wp/2015/12/17/pharma-bro-martin-shkreli-arrested-for-securities-fraud/ Watching that psychopathic media whore get put in the back of a federal agent's car warmed my heart. Christmas miracles are real.
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Dec 17, 2015 23:45
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hanales posted:We bought a dog from a local store that does that. They showed me the financing and you ended up paying something like 50% interest. Should have adopted instead
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Dec 18, 2015 00:02
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il serpente cosmico posted:Watching that psychopathic media whore get put in the back of a federal agent's car warmed my heart. Christmas miracles are real. No doubt. My only worry is the feds seizing the Wu Tang album (proceeds of crime maybe?), depriving us of the chance to see Bill Murray team up with the Wu for the heist of the century.
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Dec 18, 2015 00:46
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B33rChiller posted:No doubt. My only worry is the feds seizing the Wu Tang album (proceeds of crime maybe?), depriving us of the chance to see Bill Murray team up with the Wu for the heist of the century. Actually that's bums me out, unless Bill Murray and Wu Tang break Pharma Bro out of prison to steal back the album.
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Dec 18, 2015 01:35
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Armacham posted:Should have adopted instead
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Dec 18, 2015 02:12
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My adopted dog was $10 with vaccinations, microchip and spay because it was a Black Friday sale at the county shelter  House trained, crate trained, hilariously friendly. Just happens to be a 75 pound pitbull. Scary dog discount!
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Dec 18, 2015 02:58
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Guys if you are going to talk about dogges you are going to have to post pics.
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Dec 18, 2015 03:05
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Jumpingmanjim posted:Guys if you are going to talk about dogges you are going to have to post pics. Voting we make this a rule
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Dec 18, 2015 05:15
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