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Sic Semper Goon posted:Does he always use "1" as an upper case "i"? I assume the 1's are just abbreviations denoting 'one'...it makes the advice giver sound more financially astute. 'If 1 does not fail at times, then 1 has not challenged himself...' Now shut up and buy a house!
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Apr 12, 2016 10:09
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Rudager posted:I'm trying to figure out what "Computer" is a code word for. Bitcoin machine
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Apr 12, 2016 15:22
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Rudager posted:I'm trying to figure out what "Computer" is a code word for. Alienware Meth
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Apr 12, 2016 15:36
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What do Realdolls cost? I think it's that.
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Apr 12, 2016 16:00
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Here's one to watch: YOLO $350K in Small Chinese Gaming Company $CYOU (from r/wallstreetbets) e: This one's a little farther along: 27k student + private loan to get rich or die trying quote:Got 27k loan, most student loans, 8k prosper loan. I lost 16k from options
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Apr 12, 2016 18:22
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pig slut lisa posted:e: This one's a little farther along: 27k student + private loan to get rich or die trying Top comment is "Put some money aside for a gun."  Gotta love that little "Cheers fags" he throws in at the end there.
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Apr 12, 2016 18:29
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I think he might lose money.
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Apr 12, 2016 19:33
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Moneyball posted:I think he might lose money. Perfect username/post/av/thread combination.
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Apr 12, 2016 19:42
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CelestialScribe posted:The response of an Australian when I said having 60% of your pay going to a house, (on a salary of $100,000) is loving stupid: If say the extremely low mortgage rates doubled at some point in the future then he only has to pay 120% of his net income. I see no problems there.
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Apr 12, 2016 20:05
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CelestialScribe posted:The response of an Australian when I said having 60% of your pay going to a house, (on a salary of $100,000) is loving stupid: The craziest thing about this is that living on 40% of your income is very GWM and sets you up to be financially independent in ~13 years, if (and that's a big huge loving if, I guess) you just invest in a boring collection of index funds. But if you're gambling on houses, that number could be anything from 5 years to never.
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Apr 12, 2016 20:39
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pig slut lisa posted:The craziest thing about this is that living on 40% of your income is very GWM and sets you up to be financially independent in ~13 years, if (and that's a big huge loving if, I guess) you just invest in a boring collection of index funds. But if you're gambling on houses, that number could be anything from 5 years to never. Good job he doesn't need to eat or doing anything be exist inside his house.
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Apr 12, 2016 22:30
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Sic Semper Goon posted:Does he always use "1" as an upper case "i"? There can be a housing armageddon and prices in Southern California, San Francisco, Seattle, Denver, and Austin will still continue to rise. =/ VVVVVVVVVVV -- I'd love to meet this person who has the 20% saved but chooses not to put it down. Outside of that person, the word "can't" to describe someone who doesn't have the 20% down is pretty accurate. Blinkman987 fucked around with this message at 00:59 on Apr 13, 2016 |
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Apr 12, 2016 22:35
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More property fun! Explaining why driving two hours to work each way in order to get to work and afford a house is stupid. But nah, I'm just a lazy gen-y! quote:ME: Oh, and also: quote:Adapt, make a sacrifice here and there (change locations, change states, change jobs, whatever) Just change careers to afford a house guys! CelestialScribe fucked around with this message at 00:42 on Apr 13, 2016 |
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Apr 13, 2016 00:19
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Commuting two hours so you can own a house: Compromise. Forgoing ownership so you can have a sane commute: Clearly not a compromise on anything. The power of justifying your past decisions is strong in this one.
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Apr 13, 2016 00:43
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Some excellent wisdom on interest-only loans. Which are a good idea, I swear! [quote[But just to add onto it, it's not a bad option if you're a home occupier either: IO repayments + offset account is probably the best set up you could go for judging by your situation. It sounds like you're good at saving money, which is in harmony with a IO/Offset setup, mainly because every dollar you save and put into the offset it lowers your interest only repayments. Example with numbers so you get a clearer picture: You have a 400k loan. You have 100k savings. You put 100k into your offset, your IO repayments would be calculated (daily) off 300k and you have the security and convenience of cashflow and access of your 100k. Only "downside" is that you can't get interest on your offset account, which is fine because you'd be taxed on interest, and you're already saving mega buxx on your repayments.[/quote]
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Apr 13, 2016 00:47
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A $300k-$400k loan and they can only pay interest only?  It seems weird to me to want to buy a house and then rent it forever.
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Apr 13, 2016 01:15
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Today I overheard a wonderful conversation in the office elevator. It started with: "The Raptors season tickets aren't too expensive. It's about $3000 for next year. And I don't want to cheap out and have to sit next to bunch of poor people." Followed by this tidbit from the same person: "I was planning on a trip to South America, but I'm not sure if I can afford the airfare. And, oh- are we doing the lottery pool, this week??" Doesn't want to sit next to the poors at the basketball game, has to cancel their vacation due to being broke, and plays the lotto. Totally not a poor person, though. 
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Apr 13, 2016 05:50
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melon cat posted:Today I overheard a wonderful conversation in the office elevator. It started with: AFAIK, Raptors tickets are very expensive. And I do know $3,000 isn't that much for season tickets. I paid about that much for mine with a different team and that was midlevel. The real kicker is that the poor person is too stupid to figure out that his $3,000 tickets are probably more like $4500+ tickets because who goes to all the regular season games and then skips the playoffs? Though, I guess with the Raptors history he might be buying maybe 3 postseason games at most. =O
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Apr 13, 2016 05:57
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I choose to believe it was a tongue in cheek poors comment. It's like when I scoop ice out of the freezer instead of getting it from a dispenser and I whine that scooping is for poors. Ice trays are on par with some WWII rationing.
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Apr 13, 2016 06:03
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melon cat posted:Followed by this tidbit from the same person: "I was planning on a trip to South America, but I'm not sure if I can afford the airfare. And, oh- are we doing the lottery pool, this week??" I maintain that contributing to the office pool is about the best use of those two dollars because it ensures that, should a very unlikely event happen, you won't be stuck being the last bastard to show up on Monday when they are all off busy being millionaires.
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Apr 13, 2016 17:54
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Antifreeze Head posted:I maintain that contributing to the office pool is about the best use of those two dollars because it ensures that, should a very unlikely event happen, you won't be stuck being the last bastard to show up on Monday when they are all off busy being millionaires. My office used to make us all sign guarantees that everyone in the pool wouldn't quit at the same time and we would quit in shifts over 1 month. I always laughed at that thing because there's nothing at all legal about it and gently caress them if they thought I would show up to work if I was immediately independently wealthy.
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Apr 13, 2016 18:20
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We just ban office pools of all sorts.  We don't even have a NCAA March Madness office bracket.
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Apr 13, 2016 18:27
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Sundae posted:We don't even have a NCAA March Madness office bracket. Are you hiring?
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Apr 13, 2016 18:32
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 Oh hey look, aggregate BWM
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Apr 13, 2016 18:35
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I would assume that anyone who was the office pool custodian would say that the ticket that won was a personal one that they don't have to share and then drama happens. Edit: At least that's my reasoning, my office doesn't do one
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Apr 13, 2016 22:24
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crazypeltast52 posted:I would assume that anyone who was the office pool custodian would say that the ticket that won was a personal one that they don't have to share and then drama happens.
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Apr 13, 2016 22:40
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I had a friend in Penssylvania at a volunteer fire station where I was who got a surprise inheritance of around two million bucks. She was working as the lone officer of some loving bumfuck small town deep in the boonies of Pennsultucky and she kept working for many months so that her town could hire another cop and get the dude trained. It really made me admire her, she felt like she was a really bad public servant if she just went "gently caress all ya'll" and went home home to sip Margaritas. ...she didn't even like working there. Cop thread here had awesome suggestions during power ball. Park a cruiser with lights on in the middle of an intersection, radio the dispatch about it and say you are gonna walk home. Lighting it on fire would also be cool, but noted as criminal act. Vahakyla fucked around with this message at 01:28 on Apr 14, 2016 |
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Apr 14, 2016 01:24
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I read this earlier and thought of you guys: http://www.slate.com/articles/business/the_bills/2016/04/ask_the_bills_i_inherited_a_fortune_should_i_pay_off_my_fiance_s_student.html URL sums it up pretty well. It's BWM bingo. If it were a BWM drinking game, I'd be hospitalized for alcohol poisoning. And leaving the cruiser in the intersection would be hilarious.
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Apr 14, 2016 07:00
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El Mero Mero posted:
I'm glad nurses are paid more than nerdses at least.
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Apr 14, 2016 11:39
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Subjunctive posted:I'm glad nurses are paid more than nerdses at least. Unregistered nurses are bit cheaper and work a little faster but you can't use more than one of them per room.
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Apr 14, 2016 15:26
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Subjunctive posted:I'm glad nurses are paid more than nerdses at least. Man, I knew that "don't call yourself a computer programmer" was good advice but it's still super weird to see "Programmer" get like 20k less than "Developer".
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Apr 14, 2016 23:01
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Coca Koala posted:Man, I knew that "don't call yourself a computer programmer" was good advice but it's still super weird to see "Programmer" get like 20k less than "Developer". I wouldn't be surprised if they're counting IT people as programmers
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Apr 14, 2016 23:03
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Jmcrofts posted:I wouldn't be surprised if they're counting IT people as programmers I'm not a programmer I'm an app experience artist
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Apr 14, 2016 23:44
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I'm not a contractor, I'm a Tech Support Ronin
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Apr 15, 2016 02:42
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I'm not an elementary school teacher, I'm a juvenile ninja wrangler.
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Apr 15, 2016 03:53
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I'm not a slave, I'm an intern
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Apr 15, 2016 08:10
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PCjr sidecar posted:Unregistered nurses are bit cheaper and work a little faster but you can't use more than one of them per room. 
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Apr 15, 2016 12:49
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crazypeltast52 posted:I would assume that anyone who was the office pool custodian would say that the ticket that won was a personal one that they don't have to share and then drama happens. No jokes this happened in Australia. I'm on mobile so I won't link now, but the story goes an office had a lotto pool, the guy bought the ticket and two personal tickets, then mysteriously disappeared from work a few weeks later. His colleagues took him to court to force him to divulge if he won lotto (because, well, he quit his job and they noticed a boat outside his house -what is it about people and boats??) and to compel him to cough up their share. Anyway the colleagues lost because the guy somehow proved the winning ticket was bought with personal money for himself.
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Apr 16, 2016 05:13
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BWM: Falling for an obvious scam. First, a valid question. quote:Fiancee calls needing me to transfer $500 to her bank account, legally can't tell me why. WTF? Most replies suggest some sort of scam either by or on the fiancee. A few suggest contacting the authorities and some even try to offer valid reasons for this request. quote:This sounds like she got caught stealing from her employer and was told if she pays it back immediately, the employer will not call the police. So he gives her the money and then posts this update: quote:I'd like to thank everyone for their responses to my question earlier. I think it would be very GWM to dump that fiancee.
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Apr 16, 2016 16:52
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He gave her the money??? He's just as dumb as she is and you can't even deny that
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Apr 16, 2016 17:49
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