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melon cat posted:On average, people spend more time planning their vacation than they spend planning their retirement. Ain't life grand? Well if you know what you're doing, planning for retirement doesn't take much time at all, just money and discipline (max out 401k (3 fund, rebalance every year), max out IRA (target retirement fund), you're pretty much good to go)
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# ? Feb 19, 2016 15:31 |
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# ? May 16, 2024 04:39 |
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Craptacular posted:Women are covered either way, but men aren't. This means they hate women? Hate is different from lack of respect.
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# ? Feb 19, 2016 15:38 |
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Krispy Kareem posted:It's paternalistic because it assumes women need insurance, but men are covered because what man depends on his wife for coverage? You're assuming an awful lot.
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# ? Feb 19, 2016 16:09 |
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Barry posted:You're assuming an awful lot. I only assumed pay inequality (which I just looked up and it ranks slightly below the U.S.). Everything else she already confirmed. Barry posted:Yeah but you were saying the company hated women and was misogynistic or whatever it was based upon a tiny snippet of information. Not that it's potentially untrue, but that's a reach. Fantastic derail. I never said hate. I said paternalistic and probably misogynistic. Craptacular thought the fact women were covered either way was a positive. I countered it's paternalistic because in this company's world, no male spouse of an employed female is unemployed, underemployed, or house-husband. It could be a HR omission, but since they cover gay couples it'd be a pretty odd one. And if it isn't an omission, then I wouldn't be surprised if there are other policies there that favor men over women. Krispy Wafer fucked around with this message at 17:58 on Feb 19, 2016 |
# ? Feb 19, 2016 16:30 |
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silvergoose posted:Because english is poo poo, and people mostly expect bimonthly to mean twice a month for paychecks. And they also expect biweekly to mean twice a month for paychecks. Twice a month is not the same as every two weeks; biweekly means either twice a week or every two weeks, not ever twice a month, so biweekly and bimonthly are always unambiguously different. In a payroll context, I think the meaning of biweekly and bimonthly are clear. Of course, if anything, bimonthly is the bogus term, which ought really to only mean every two months. Twice monthly is semimonthly. I sort of enjoyed getting paid biweekly, since I budgeted on a monthly basis. Two months a year, I'd get bonus money!
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# ? Feb 19, 2016 17:02 |
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Wedding planning is expensive. So when an internet startup offers free $10k for your dream nuptials, you'd be foolish not to count on receiving that money. But how could a business afford to give away $10k to any couple that asked? Well, if you got divorced they would get their $10k back with interest. And with the US divorce rate at 50% or so, there are no flaws with this business plan. Their CEO described it as "a casino for marriages." Somehow the concept of "Swanluv" didn't collapse instantly but got as far as getting on the Valentine's Day episode of the Today Show, and received requests for over $2 billion in applications. One of the oddest parts is that it doesn't seem to have been a scam, just BWM all around. If this plan were functional then there would be hundreds of couples marrying for the free money then hopping state lines to keep the gravy train rolling. And how the heck was Swanluv going to get their money back from divorcing couples? It doesn't seem like couples that budgeted around free internet money could be counted on to have $10k on hand to give back. I'm imagining a dystopian Swanluv future where couples are locked into dysfunctional marriages and can't break up without Swanluv goons putting them through the wringer. To date Swanluv has paid out zero dollars, and made the abrupt switch to a crowdfunding platform. quote:When Seattle-based startup SwanLuv launched last fall, promising to loan engaged couples $10,000 for their weddings, hundreds of thousands of users signed up on the company’s waitlist. The company’s business strategy, CEO Scott Avy told news outlets, was simple: any couple could qualify for a $10,000 loan. All they had to do was stay married. Divorce, and they would owe back the $10,000, with interest. If they stay married, the $10,000 is theirs to keep. quote:Avy described SwanLuv as “a casino for marriages.” It’s a fair comparison, except for the fact no one actually won anything. On Valentine’s Day, the day SwanLuv was scheduled to launch and begin accepting applications, users were greeted by an error page in place of the company’s website. quote:On Monday, fresh off a Valentine’s Day-themed "Today" show plug, SwanLuv announced that, actually, no — it would not pay for a single ceremony. Instead, it would let your friends and relatives pay for it, providing a crowdfunding platform similar to GoFundMe (except that, upon divorce, users would have to return the web donations). Washington Post: https://www.washingtonpost.com/news/wonk/wp/2016/02/17/a-website-offered-to-pay-for-weddings-then-it-came-time-to-write-the-check/ Yahoo Finance: http://finance.yahoo.com/news/swanluv-10-000-wedding-funding-lie-193749250.html
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# ? Feb 19, 2016 17:11 |
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Krispy Kareem posted:I only assumed pay inequality (which I just looked up and it ranks slightly below the U.S.). Everything else she already confirmed. Yeah but you were saying the company hated women and was misogynistic or whatever it was based upon a tiny snippet of information. Not that it's potentially untrue, but that's a reach.
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# ? Feb 19, 2016 17:34 |
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SwanLuv is one of the most fantastic and absurd ideas ever, and I wish I had thought of it. The fundamental, ruinous problem is that you incur your liabilities and recognize your revenue backwards.
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# ? Feb 19, 2016 17:43 |
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jaymeekae posted:https://www.reddit.com/r/personalfinance/comments/46k3tg/i_found_out_i_have_a_six_year_old_son_i_want_to/ KYOON GRIFFEY JR posted:SwanLuv is one of the most fantastic and absurd ideas ever, and I wish I had thought of it.
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# ? Feb 19, 2016 18:30 |
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KYOON GRIFFEY JR posted:SwanLuv is one of the most fantastic and absurd ideas ever, and I wish I had thought of it. Not to mention that financial issues are one of the leading causes for divorce, right? You are over-selecting people who are bad with money to pay you back!
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# ? Feb 19, 2016 18:33 |
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Haifisch posted:If $685 rent is too expensive, the Chicago area is the last place he should be moving. Pretty much nothing will be cheaper over here than by Indianapolis. No, its okay he's going to buy a house so he doesn't have to pay rent
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# ? Feb 19, 2016 18:56 |
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Ughhhh one of my coworkers just dug his heels in on the belief that carrying a balance on your credit card is a good thing. Just emailed him about 5 different write ups on it. Hopefully that will convince him.
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# ? Feb 19, 2016 19:08 |
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Tigntink posted:Ughhhh one of my coworkers just dug his heels in on the belief that carrying a balance on your credit card is a good thing. Funny thing is that many types of people when presented with solid objective evidence to the contrary of their beliefs just double-down on their wrongheadedness rather than incorporating new information and possibly changing their mind. Humans are pretty dumb like that.
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# ? Feb 19, 2016 20:18 |
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KYOON GRIFFEY JR posted:SwanLuv is one of the most fantastic and absurd ideas ever, and I wish I had thought of it. Well, and no-one is going to pay you. Most of the people who would have divorced will just separate instead if it means keeping $10k (you could try and prevent this in the contract, but hiring a bunch of PIs to check up on whether married couples are really living together or whatever just makes the proposition worse), so you're going to have to get a lot out of the minority of couples that pay you back to make a profit, and so they'll be even less likely to actually pay you, &c
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# ? Feb 19, 2016 20:55 |
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Tigntink posted:Ughhhh one of my coworkers just dug his heels in on the belief that carrying a balance on your credit card is a good thing.
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# ? Feb 19, 2016 21:08 |
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Open up your hearts and wallets https://www.gofundme.com/kanyesmedicis
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# ? Feb 19, 2016 21:19 |
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Jeb Bush 2012 posted:Well, and no-one is going to pay you. Most of the people who would have divorced will just separate instead if it means keeping $10k (you could try and prevent this in the contract, but hiring a bunch of PIs to check up on whether married couples are really living together or whatever just makes the proposition worse), so you're going to have to get a lot out of the minority of couples that pay you back to make a profit, and so they'll be even less likely to actually pay you, &c
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# ? Feb 19, 2016 21:24 |
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Jeffrey of YOSPOS posted:Divorces often have a lot more than 10k at stake and still occur. Both parties being willing to collude for mutual benefit does not seem particularly likely among divorcees to me. Usually at least one party stands to benefit from the divorce going through in those cases, though. And a) most divorces are not that acrimonious b) people will put aside a lot of acrimony for 5k each!
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# ? Feb 19, 2016 21:53 |
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SwanLuv was media clickbait. Kind of like that Yelp for People app. Something that was never going to happen, but generated a lot of press. I'm not sure who benefited though. The founders of SwanLuv and Peeble can't really use their experience to get a job or funding for another project. Unless the job involves getting lots of free advertising.
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# ? Feb 19, 2016 21:57 |
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DACK FAYDEN posted:"Credit score" argument or something even worse? A few of us were giving our 23 year old coworker some "how to handle your credit card" advice and I was giving him the age old "just buy your groceries on it and pay it off in full every month for a few years" and then my coworker popped in with the "leave 10% on at all time!" and I was just like "dude don't give him myths like that"
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# ? Feb 19, 2016 22:04 |
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Jeb Bush 2012 posted:hiring a bunch of PIs to check up on whether married couples are really living together or whatever just makes the proposition worse) Offer profit-sharing to anybody that rats them out.
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# ? Feb 20, 2016 01:08 |
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Tomfoolery posted:Open up your hearts and wallets They already passed the 0.1% of their goal mark. This gofundme is going places.
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# ? Feb 20, 2016 01:50 |
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Krispy Kareem posted:City and state government pensions have been a time bomb for a couple of decades now. I guess I can't entirely blame people for assuming the city council or governor would just jack up taxes when the time came, but at the same time the people getting ready to retire have known about these risks for up to half their working lives. Or maybe they didn't. Which just goes to prove that stat about spending more time planning vacations than retirements.
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# ? Feb 20, 2016 01:55 |
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Steve French posted:Twice a month is not the same as every two weeks; biweekly means either twice a week or every two weeks, not ever twice a month, so biweekly and bimonthly are always unambiguously different. In a payroll context, I think the meaning of biweekly and bimonthly are clear. Of course, if anything, bimonthly is the bogus term, which ought really to only mean every two months. Twice monthly is semimonthly. That aside, bimonthly usually only refers exclusively to salaried people, and you get your money at the end of the pay period you earn it. Biweekly is usually for hourly people, and it means that after 2 weeks, they run payroll and pay you at the end of the next week. So you get your money on a one-week delay. My company moved all the bimonthly salaried people to the biweekly plan to bring everyone on the same payroll scheme after a merger. I find it darkly humorous that the bimonthly salaried folk who make a lot more money than plant workers were up in arms about the change. Also, FrozenVent frequently takes offense to my posts in this subforum, so it's kinda funny that he was trying to call me out for using words correctly.
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# ? Feb 20, 2016 02:52 |
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Bimonthly and biweekly mean the same thing in the same way that people use the words literally and figuratively to mean the same thing.
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# ? Feb 20, 2016 03:51 |
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Dik Hz posted:TBH, I used bimonthly and biweekly in the same sentence because I think it's a funny quirk of the English language that they are within 10% of meaning the same thing. I've always called the first pay system (24 paychecks per year) "semi-monthly" and the latter (26 paychecks per year) "biweekly".
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# ? Feb 20, 2016 03:58 |
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People are advertising on that Kanye GoFundMe with $5 "donations" and pleas to check out there more deserving GoFundMes. People are the worst
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# ? Feb 20, 2016 04:52 |
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One of these days I want a giant gimmick gofundme to get funded and watch a bunch of teenagers lose hundreds.
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# ? Feb 20, 2016 04:57 |
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People will spend a lot of time and money trying to get easy, free money
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# ? Feb 20, 2016 05:00 |
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I've finally made it to the end after several weeks. Man, what a ride. Now I can finally share my own BWM story. For a few months now, I've been planning to get my wife a Nexus 5X as an early birthday present to replace her broken phone and get her on Google Fi, with the intent of ending our $115/month we pay to T-Mobile. So we ordered the phone and service, she got on Fi, and I switched my T-Mobile plan. So now we're paying about half as much for our separate bills combined as we were on T-Mobile together ($30 for Fi + $30 for T-Mobile prepaid). Hooray! Today I got my bi-weekly paycheck and it's when I do all the budgeting and bill-paying. So I checked my bank account and... I saw three mysterious purchases for $19.99 each via GOOGLE.COM for "Bethesda Games". I immediately suspected something was up because my wife had downloaded that Fallout Shelter game a few weeks ago and was playing it a lot. After looking at her Google Play account history, I discovered she spent over $200 in items and perks for that game over the past two weeks. I wouldn't have even known about this, but yesterday her old debit card expired and stopped working on Google Play. So any purchases made after that were done with the next payment method - my debit card, which was what we used on her account to buy the phone and start Fi service. And the fact that she didn't realize her card expired means she isn't paying attention to her purchases at all (or she flat-out doesn't care). So, uhh, I think we're going to have a talk later.
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# ? Feb 20, 2016 05:16 |
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I got my shelter to 100 without spending a dime in about a week. And then it got really boring, because everything after that just repeats itself. What the hell do you spend money on in that game?
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# ? Feb 20, 2016 06:11 |
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Nitrox posted:I got my shelter to 100 without spending a dime in about a week. And then it got really boring, because everything after that just repeats itself. What the hell do you spend money on in that game? Apparently you can buy Lunchboxes and Mr. Handys in the store, because that's what on the Google Play transaction history. I don't really know what they do.
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# ? Feb 20, 2016 06:18 |
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My wife discovered Family Feud on her iPhone. $100 dollars in one month. Then my daughter got hooked on it also and somehow lost another $80 in game coins. Not 'played lost', but reset the game lost. I'm pretty sure I can restore her purchases, but they finally burnt out trying to guess what 100 people surveyed said and I don't want to start that all over again. This is itty bitty small potatoes compared to real addiction and it still drives me batshit insane.
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# ? Feb 20, 2016 06:27 |
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Wow and here I am refusing to spend $7 on a plants vs zombies plant. Welp, now I don't feel so bad spending 4 bucks every couple months.
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# ? Feb 20, 2016 10:19 |
NancyPants posted:Wow and here I am refusing to spend $7 on a plants vs zombies plant. Welp, now I don't feel so bad spending 4 bucks every couple months. My boyfriend got AUD$100 in Google Play credit for his birthday/Christmas a while back. He still hasn't used it because he claims he 'just doesn't have anything to spend it on'. He will quite happily fork out $10 for a pint on a night out, but won't spend even $5 of the gift voucher his sister gave him on software that he uses all the time because ??? Perhaps it just hasn't occurred to him to get paid for versions of his free to play games so he doesn't have ads anymore?
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# ? Feb 20, 2016 12:06 |
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There was another $19.99 charge for Fallout Shelter on my debit card this morning. That's $80 so far. I confronted my wife about it and she said she had no idea she was buying items with real money. She put a password on her account so it'll force her to know when she's about to use real money in a game. I just hope I can dispute these charges. Geez. I can understand being completely out of touch with technology and not realizing you're spending money, but she's no stranger to in-app purchases.
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# ? Feb 20, 2016 12:53 |
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It's quite clear in shelter that in app purchases are with real money. I doubt you'll be able to dispute these charges. You cannot do so with Bethesda support. Maybe GP or iTunes.
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# ? Feb 20, 2016 13:02 |
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DizzyBum posted:There was another $19.99 charge for Fallout Shelter on my debit card this morning. That's $80 so far. On the bright side, it only cost you $200 to find out that your wife has problems with compulsive spending and is willing to lie to you about it, so there's that.
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# ? Feb 20, 2016 13:07 |
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BEHOLD: MY CAPE posted:On the bright side, it only cost you $200 to find out that your wife has problems with compulsive spending and is willing to lie to you about it, so there's that. That game is great, but those lunchboxes are loving useless.
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# ? Feb 20, 2016 14:07 |
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# ? May 16, 2024 04:39 |
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This is amazing you guysquote:An Open Letter To My CEO https://medium.com/@taliajane/an-open-letter-to-my-ceo-fb73df021e7a#.cr3agenea People living as slaves in SV is sort of sad but also kind of hilarious. You could work at a McDonalds in a decently fun midwestern, say Des Moines and have a waaaaay better quality of life. But this delicate flower, like millions of others like her, are drawn to the big dreams of a place like San Fran like moths to a flame.
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# ? Feb 20, 2016 15:40 |