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Gorman Thomas
Jul 24, 2007
I just calculated that it's going to cost my gf and I about $4500 to attend her sister's wedding in May :negative:. Destination weddings are a crock of poo poo.

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JUST MAKING CHILI
Feb 14, 2008
Send a $1000 check and stay home. They'll appreciate that much more.

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.
Somebody threw a wedding grenade into the thread. Quick, throw it back!

VV alright, somebody talk about millennials or bootstraps or something

Moneyball fucked around with this message at 20:12 on Mar 23, 2016

slap me silly
Nov 1, 2009
Grimey Drawer
Nope, this thread will have to fall on it for us.

SiGmA_X
May 3, 2004
SiGmA_X
LMAO. How does an HR rep (or anyone for that matter) fall for phishing scam emails?

quote:

https://www.reddit.com/r/personalfinance/comments/4bhgz5/its_happened_again_my_hr_rep_fell_victim_to_a/

It's happened again: My HR rep fell victim to a phishing scam and sent all 50 employees' tax info to some fraudster yesterday. Company has yet to notify everyone officially. What should I do?

As the title says, our HR rep (at my company of about 50 people) sent all of our tax info in the form of W-2s to a scammer parading as our company president. I don't know why or how, but he didn't question it or call to confirm before sending.
Regardless of how it happened, what can I and other employees do to protect ourselves? I'm miffed that the higher-ups haven't yet notified us directly (currently my supervisor and all others are in a sales/department meeting, and it better come up). On my request, my supervisor did ask the president about it directly.
Time is of the essence here. The standing IT guy was saying "They'll just sweep it under the rug." He's the type where you can't quite tell if he's joking. I hope to gerbs he was.
I already went ahead and changed my bank passwords and submitted a fraud alert to the credit bureaus. What kind of future am I looking at in terms of preventing future fraud, now that my info is floating around out there? Am I going to have to maintain some kind of fraud alert or monitoring for life?

Not a Children
Oct 9, 2012

Don't need a holster if you never stop shooting.

One of my friends is trying to have a destination bachelor party this summer. He invited 25 friends to do it up in New Orleans, a ~$500 flight per head for most people (he and most of us live in the mid-atlantic). His plan is to have us rent out a wing of a hostel or something, I'm not sure at this point. Between the flights, lodging, booze, and eating out for 3 days, the collective expenditure could probably cover the whole drat wedding.

I understand having a few of your closest buds to Vegas or something, but it just seems like a little much.

Gorman Thomas
Jul 24, 2007
*jumps on grenade*

About a year ago my uncle told me that he keeps a lot of company stock in both his retirement and brokerage accounts because he's in a position that allows him to directly influence the direction of the company. Since he trusts himself above people in similar positions at other companies, why shouldn't he hold bundles of company stock?

My uncle is a VP at a certain pharma company that starts with a V.

SiGmA_X
May 3, 2004
SiGmA_X

Gorman Thomas posted:

*jumps on grenade*

About a year ago my uncle told me that he keeps a lot of company stock in both his retirement and brokerage accounts because he's in a position that allows him to directly influence the direction of the company. Since he trusts himself above people in similar positions at other companies, why shouldn't he hold bundles of company stock?

My uncle is a VP at a certain pharma company that starts with a V.
Depending on the company officer requirements and what level of VP he is, he may also be required to hold a ton of stock. Executives at my small (2-3BN) previously public (just got bought out 2 weeks ago!) company were required to keep many multiples of annual salary in stock.

I still don't think it's a great idea. But they all made out like bandits upon the private sale!

Saros
Dec 29, 2009

Its almost like we're a Bureaucracy, in space!

I set sail for the Planet of Lab Requisitions!!

Gorman Thomas posted:

*jumps on grenade*

About a year ago my uncle told me that he keeps a lot of company stock in both his retirement and brokerage accounts because he's in a position that allows him to directly influence the direction of the company. Since he trusts himself above people in similar positions at other companies, why shouldn't he hold bundles of company stock?

My uncle is a VP at a certain pharma company that starts with a V.

Assuming it's Valeant and he's that high up he totally deserves it.

r0ck0
Sep 12, 2004
r0ck0s p0zt m0d3rn lyf

Gorman Thomas posted:

*jumps on grenade*

About a year ago my uncle told me that he keeps a lot of company stock in both his retirement and brokerage accounts because he's in a position that allows him to directly influence the direction of the company. Since he trusts himself above people in similar positions at other companies, why shouldn't he hold bundles of company stock?

My uncle is a VP at a certain pharma company that starts with a V.

Viagra?

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.

Saros posted:

Assuming it's Valeant and he's that high up he totally deserves it.


Vvvvvturing pharmaceuticals?

Saros
Dec 29, 2009

Its almost like we're a Bureaucracy, in space!

I set sail for the Planet of Lab Requisitions!!

In September Valeant stock was 240 now it's like 30. It's hilarious.

BEHOLD: MY CAPE
Jan 11, 2004

SiGmA_X posted:

Depending on the company officer requirements and what level of VP he is, he may also be required to hold a ton of stock. Executives at my small (2-3BN) previously public (just got bought out 2 weeks ago!) company were required to keep many multiples of annual salary in stock.

I still don't think it's a great idea. But they all made out like bandits upon the private sale!

This, executives usually can't just liquidate their stock holdings in the company they work for

Gorman Thomas
Jul 24, 2007

SiGmA_X posted:

Depending on the company officer requirements and what level of VP he is, he may also be required to hold a ton of stock.

Yeah I don't know what his compensation package is like. I didn't even know what his position in the company was (he always kinda downplayed it as "management") until I googled his name and saw it on a 10-k form. I'm hoping he realized his faulty thesis, and scaled back his exposure, when the stock dropped a bunch back in September.

Hot Dog Day #91
Jun 19, 2003

Subjunctive posted:

I considered a non-ABA school many years ago. ABA accredited schools all require a bachelors, which I don't have, and non-ABA JD holders can sit the bar in California. (I wasn't sure I wanted to practice law, but I wanted to study it.)

Hmmm tell me more about what you wanted to study.

Subjunctive
Sep 12, 2006

✨sparkle and shine✨

Hot Dog Day #91 posted:

Hmmm tell me more about what you wanted to study.

Civ/crim procedure, con, torts, contracts, real property, legal reasoning and writing. Just a general grounding in how law is conducted, I didn't have a specialization in mind.

Mocking Bird
Aug 17, 2011
So why not go to an accredited law school? Or self teach?

Also, person with dumb young cousin, see if her getting a GED circumvents the unaccredited high school. If she has an unaccredited high school diploma it might be a good idea anyway.

Subjunctive
Sep 12, 2006

✨sparkle and shine✨

Mocking Bird posted:

So why not go to an accredited law school? Or self teach?

Because as I said above, ABA-accredited law schools all require a bachelor's degree, and I don't have one.

I think it would be more enjoyable and effective to learn something like law in the company of others, and with the guidance of people who've practiced. Being exposed to different perspectives on the law seems like a pretty essential piece of developing a good understanding of it.

n8r
Jul 3, 2003

I helped Lowtax become a cyborg and all I got was this lousy avatar
I am so GWM we didn't even serve meals/booze at our wedding, instead I purchased CDs for every guest as a sign of my good financial sense.

canyoneer
Sep 13, 2005


I only have canyoneyes for you

n8r posted:

I am so GWM we didn't even serve meals/booze at our wedding, instead I purchased CDs for every guest as a sign of my good financial sense.

Physical media is dying. should have given an iTunes gift card, or better yet, a cash equivalent.

Blinkman987
Jul 10, 2008

Gender roles guilt me into being fat.
I think I've been the target of either financial services sales (at best) and outright scam (at worst) twice now in Orange County, CA.

Six months ago, a random person started up a conversation with me at the dog park. He talks about having found a couple who mentored him and his girlfriend to financial freedom or whatever, and that they were lucky because that couple is very selective about who they worked for. I had a decent read on where this guy wanted the conversation to go, so I politely ended it before we could get to a pitch. That guy wasn't cut out for his chosen line of work. Last weekend, my girlfriend and I were at the hot tub for our apartment complex. A different couple jumps in and starts talking to us about travel. Jobs get brought up, and the guy says he dabbles in asset management. I don't care what anybody really does for a living unless they're an astronaut. He asks for my phone number so we could meet up sometime for dinner. My girlfriend insists that I be more sociable (yeah, who would've guessed I don't like being social) so I begrudgingly accept the second time he offers.

Twenty four hours later, a slew of texts come in. Basically he's trying to prime me for some bullshit sales pitch.





Anybody familiar with this pitch/scam? I really wanted to know what it was, but it wasn't worth a phone call. This seems like it could be a MLM. Anybody familiar with it?

canyoneer
Sep 13, 2005


I only have canyoneyes for you
Gonna bet it's an MLM, possibly one with Primerica selling crappy securities

Krispy Wafer
Jul 26, 2002

I shouted out "Free the exposed 67"
But they stood on my hair and told me I was fat

Grimey Drawer

Mocking Bird posted:

Also, person with dumb young cousin, see if her getting a GED circumvents the unaccredited high school. If she has an unaccredited high school diploma it might be a good idea anyway.

It's accredited, it's just not regionally accredited.

Which is kind of confusing. We had a local district that lost it's regional accreditation, which meant the diplomas were mostly worthless until they fixed their issues. This other school system must get all it's oversight from their state. But for purposes of a free in-state education in my state, they'd need a regional accreditation.

Hot Dog Day #91
Jun 19, 2003

Subjunctive posted:

Civ/crim procedure, con, torts, contracts, real property, legal reasoning and writing. Just a general grounding in how law is conducted, I didn't have a specialization in mind.

Going to law school is bwm. Going to am unacredited law school is so bwm that it's almost inconceivable that people do it. Even on the occasions where it's not a scam it's almost certainly a poorly thought out fantasy. Be glad you didn't go.

You'd be better off elevating your life another way. Now I don't know you really yet, so I'd need to establish a better relationship/trust, but I we can maybe, possibly, open the door to this couple who has coached us the last two years.

Hot Dog Day #91
Jun 19, 2003

Blinkman: you're so anti-social that the only people who approach you for friendship are hot tubbing mlm scammers.

Devian666
Aug 20, 2008

Take some advice Chris.

Fun Shoe

Hot Dog Day #91 posted:

Blinkman: you're so anti-social that the only people who approach you for friendship are hot tubbing mlm scammers.

I was planning on using the hotel hot tub this weekend but I'm not sure that I should now, it's likely to be BWM. More BWM than the time I'll spend in the casino.

Blinkman987
Jul 10, 2008

Gender roles guilt me into being fat.

Hot Dog Day #91 posted:

Blinkman: you're so anti-social that the only people who approach you for friendship are hot tubbing mlm scammers.

:boom: on me

Thank you for that laugh

BonerGhost
Mar 9, 2007

Devian666 posted:

I was planning on using the hotel hot tub this weekend but I'm not sure that I should now, it's likely to be BWM. More BWM than the time I'll spend in the casino.

BWM is the inevitable yeast/staph infection you pick up from that petri dish. Just lick a doorknob and save the hotel fee.

Star War Sex Parrot
Oct 2, 2003

Blinkman987 posted:

Orange County, CA.
Hey man let me know if you ever want to grab a beer or go for a hike.










I've got a great money-making opportunity I'd like to tell you about!

Subjunctive
Sep 12, 2006

✨sparkle and shine✨

Hot Dog Day #91 posted:

Going to law school is bwm. Going to am unacredited law school is so bwm that it's almost inconceivable that people do it. Even on the occasions where it's not a scam it's almost certainly a poorly thought out fantasy. Be glad you didn't go.

You'd be better off elevating your life another way.

I wouldn't be doing it because I wanted to increase my standard of living. I'd be doing it because I wanted to learn about the law for its own sake, like taking classes to learn a language. It's not an investment, it's a hobby or entertainment. Better than buying horses.

Sacrist65
Mar 24, 2007
Frunnkiss


This was unironically posted by a military spouse.

Behold the wonder that is the Y axis.

slap me silly
Nov 1, 2009
Grimey Drawer
Ugh ugh ugh that reminds me of one of my former coworkers who he and his wife got involved in one of these nutrition MLMs and unironically framed their "Diamond" and "Emerald" certificates and hung them on the wall.

He is good at math though so I'm not really sure what's up with that.

cowofwar
Jul 30, 2002

by Athanatos
So 89% of reps make $450 a year and I assume they buy like $2 of poo poo.

slap me silly
Nov 1, 2009
Grimey Drawer

cowofwar posted:

So 89% of reps make $450 a year and I assume they buy like $2000 of poo poo.

Jeffrey of YOSPOS
Dec 22, 2005

GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Sacrist65 posted:



This was unironically posted by a military spouse.

Behold the wonder that is the Y axis.

I'm honestly more impressed by the X axis. Only the top 5.78% get to make $2094/year.

BEHOLD: MY CAPE
Jan 11, 2004

Sacrist65 posted:



This was unironically posted by a military spouse.

Behold the wonder that is the Y axis.

It's a logarithmic axis with unequal grid lines, it's making my head hurt

slap me silly
Nov 1, 2009
Grimey Drawer

Jeffrey of YOSPOS posted:

I'm honestly more impressed by the X axis. Only the top 5.78% get to make $2094/year.

Did you add up the Y values because

E: haha and I mixed up X and Y because who draws a PDF with percent on the Y axis???

slap me silly
Nov 1, 2009
Grimey Drawer


... there we go.

pig slut lisa
Mar 5, 2012

irl is good


Sacrist65 posted:



This was unironically posted by a military spouse.

Behold the wonder that is the Y axis.

This reminds me of the guy in the Republican Primary thread who kept posting intentionally terrible graphs and charts

e:

pig slut lisa fucked around with this message at 05:19 on Mar 24, 2016

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Devian666
Aug 20, 2008

Take some advice Chris.

Fun Shoe

Jeffrey of YOSPOS posted:

I'm honestly more impressed by the X axis. Only the top 5.78% get to make $2094/year.

Yes but the bottom 105.43% make less than the average wage every year. I don't think it's percentage of population but more likely some sort of income or commission percentage.

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