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It kinda makes sense to do a wedding derail of sorts for the sake of seasonality given it's wedding season currently. It's no more or less appropriate than talking about gifts during the last quarter of the year. 
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May 14, 2016 20:50
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Not seeing how wedding chat could possibly be considered a derail in the Bad With Money thread.
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May 14, 2016 20:54
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I have a coworker who absolute seems to think a brand new ring is the most important thing ever. She wanted something super fancy pants and I was like "well why not look at estate jewelry and pay like 70% less?" and she was like NO IT MUST BE NEW. gently caress the wedding industry
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May 14, 2016 21:24
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Hi, I have to pay for two weddings because my bride to be is from literally the other side of the earth. BWL. I want to go cheap here because I couldn't care less about the pageantry, and neither does my family, but I'll go all out for her family if she wants.
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May 14, 2016 21:26
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slap me silly posted:Not seeing how wedding chat could possibly be considered a derail in the Bad With Money thread. Wedding chat itself isn't a derail, it's the humblebraggers.
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May 14, 2016 22:03
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Are the humblebraggers the ones talking about how little they spent or how much they spent or how they spent exactly the correct amount? Is it possible to talk about your wedding without it being a humblebrag? I don't even know anymore. Is this thread full of rich people hating on poor people for spending money they don't have and inevitably relying on social systems? Or is it full of poor people hating on rich people for spending money on frivolous things? Both?
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May 14, 2016 22:27
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wait til you see how little they spent on the divorce!
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May 14, 2016 22:31
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As an aspiring actuary, I vote we go back to talking about how the SOA is loving everyone over. Need to know how much of a mistake I've made in my career choices thus far 
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May 14, 2016 22:35
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potatoducks posted:Are the humblebraggers the ones talking about how little they spent or how much they spent or how they spent exactly the correct amount? Is it possible to talk about your wedding without it being a humblebrag? I don't even know anymore. No, the worst humblebraggers are the ones who talk about how their family "forced them" to spend a huge sum of money on the wedding but they're rich enough that it didn't matter. Here's something completely different (and great!) from reddit. https://np.reddit.com/r/legaladvice/comments/4hwrb8/the_consequences_of_bailing_on_court_date/ quote:Here's the briefest version of my story. I'm 18 at the start, these are my first and only offenses: quote:Except it's not bullshit. Paper specifically says Southlight which is located in downtown Raleigh. I'm not doing 50 hours of drug classes which cost around $700 over a grinder. The cop who gave me the ticket even said they'd probably throw the case out. "I got a slap on the wrist for babby's first drug offense, but I don't want to pay $700 for some drug classes to have it disappear forever! Instead, I'll let it turn into a bigger problem for me as a matter of principle!"
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May 14, 2016 22:41
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froglet posted:Cringing so hard right now, I've entered fuckin' bizarro land. I don't want a wedding but my parents do, so they've suggested some venues, told me to pick one and they'll pay and organise the rest except where my direct input is required (like a dress).i If someone's offering to throw you a free wedding and can't be convinced to give you the cash instead, you might as well enjoy a party with your friends and family. Not really BWM on your part and, assuming your parents can afford it, not really BWM for them either.
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May 14, 2016 23:27
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paperchaseguy posted:wait til you see how little they spent on the divorce! I made a profit on my divorce 
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May 14, 2016 23:41
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I got married in the Wappoo Creek branch of Wells Fargo by the banker, and people took photos of us and then I deposited our marriage gifts to my account. GWM and I'm not kidding.
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May 14, 2016 23:51
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slap me silly posted:Not seeing how wedding chat could possibly be considered a derail in the Bad With Money thread. Vahakyla posted:I got married in the Wappoo Creek branch of Wells Fargo by the banker, and people took photos of us and then I deposited our marriage gifts to my account.
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May 15, 2016 00:20
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B(est)WM: Never getting married.
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May 15, 2016 00:52
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canyoneer posted:Here's something completely different (and great!) from reddit. I must be old andout of touch, because I only knew a grinder to be a sandwich, an actual like meat grinder / spice grinder, that gay-Tinder phone app, or a sweet Judas Priest song. Is this something to grind up marijuana plant parts, or something? I doubt the cops would take his sandwich unless they were particularly heartless... Edit: forgot about the shop tools, e.g. a grinding wheel SpelledBackwards fucked around with this message at 14:07 on May 15, 2016 |
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May 15, 2016 01:12
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SpelledBackwards posted:I must be old andout of touch, because I only knew a grinder to be a sandwich, an actual like meat grinder / spice grinder, that gay-Tinder phone app, or a sweet Judas Priest song. I had to look this up too. Apparently you put weed in it and grind it up finer so that it burns more evenly and fits into a joint better. You pot smokers and your accessories. So BWM.
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May 15, 2016 01:15
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SpelledBackwards posted:something to grind up marijuana plant parts I've seen a number of these, but never owned one. Clearly I surround myself with a certain type of people.
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May 15, 2016 01:15
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https://www.reddit.com/r/personalfinance/comments/4isdfo/had_my_truck_repossessed_with_suspension_kit_i/ posted:Had my truck repossessed with suspension kit I installed, stereo I installed, and tires and wheels I installed. (self.personalfinance) It gets better when they post over in /r/legaladvice: https://www.reddit.com/r/legaladvice/comments/4isfdi/had_my_truck_repossessed_with_suspension_kit_i/ posted:The bills were paid. I ran out of money. Had a ton, bought a house, flipped it, was just waiting for the house to sell. It didn't.
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May 15, 2016 01:27
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potatoducks posted:Is this thread full of rich people hating on poor people for spending money they don't have and inevitably relying on social systems? Or is it full of poor people hating on rich people for spending money on frivolous things? Both? This thread is mostly poor single men who flunked out of college due to a WoW addiction and now work retail, trying to convince themselves that ramen for food, WoW as the sole source of entertainment, and a rusted out Civic are good with money instead of bad with life.
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May 15, 2016 01:27
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Apparently I am more urban and Californian than I thought since I really believed grinders would be as recognizable as weed paraphernalia as a bong would be, even to internet nerds.Haifisch posted:It gets better when they post over in /r/legaladvice: I find this bit of schadenfreude as sweet as it possibly can be. Do never flip a house when you're broke and stupid.
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May 15, 2016 03:08
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High Lord Elbow posted:This thread is mostly poor single men who flunked out of college due to a WoW addiction and now work retail, trying to convince themselves that ramen for food, WoW as the sole source of entertainment, and a rusted out Civic are good with money instead of bad with life. No I think most people in this thread are doing alright. You're thinking of the retail workers thread in this sub forum, which as I've mentioned before is sort of like a petting zoo version of this thread, filled with the kind of people described in your post.
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May 15, 2016 03:38
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High Lord Elbow posted:This thread is mostly poor single men who flunked out of college due to a WoW addiction and now work retail, trying to convince themselves that ramen for food, WoW as the sole source of entertainment, and a rusted out Civic are good with money instead of bad with life. So so close, except IT instead of retail, World of Warships instead of Warcraft, and a very nice rust free '99 Civic thank you very much. I love that people overspend on weddings because going to baller parties is fun. Far better use of money than a sportscar or horse that only one person gets to enjoy.
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May 15, 2016 04:21
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Mocking Bird posted:Apparently I am more urban and Californian than I thought since I really believed grinders would be as recognizable as weed paraphernalia as a bong would be, even to internet nerds. I was a pothead in college so I know all about them, but my mom was a pothead hippie when she was in college in the 60's and she had no idea what they were because they would just shred it by hand
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May 15, 2016 06:05
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My coworker, who bitches every day about his job and complains that he doesn't want to work anymore, has never contributed a cent to his company matched 401k. He's in his mid 30s.
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May 15, 2016 14:01
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Renegret posted:My coworker, who bitches every day about his job and complains that he doesn't want to work anymore" Isn't that everybody, with the exception of workaholic yuppies and the self employed?
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May 15, 2016 14:11
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Sic Semper Goon posted:Isn't that everybody, with the exception of workaholic yuppies and the self employed? Well, yeah But the difference is I contribute to my 401k so I can make that dream a reality some day
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May 15, 2016 14:31
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Renegret posted:My coworker, who bitches every day about his job and complains that he doesn't want to work anymore, has never contributed a cent to his company matched 401k. If work is that bad he really should just start his own business and then work even more. No time for complaining then. Some people I talked to last week have stopped their retirement savings but they have more pressing essential needs for their money such as debt reduction, and putting money away to help their kids. Seems to be a common theme that people's kids are eroding their retirement lifestyle.
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May 15, 2016 20:25
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Devian666 posted:Seems to be a common theme that people's kids are eroding their retirement lifestyle. Have you seen the prices of college lately? Plus little Timmy absolutely needs a very expensive musical instrument at the age of 4 because he'll be the next prodigy. And then the cost of therapy for your poor kid who is overworked and overstressed out about his helicopter parents...
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May 15, 2016 20:28
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daggerdragon posted:Have you seen the prices of college lately? Plus little Timmy absolutely needs a very expensive musical instrument at the age of 4 because he'll be the next prodigy. And then the cost of therapy for your poor kid who is overworked and overstressed out about his helicopter parents... I just picked up a young cousin from a birthday party, and there were retail gift cards inside of it. Apparently this is becoming more and more common as chaperoning parents compete with each other to buy little Timmy some new friends. Also- each of the three kids who lived at that house each have their own iPad. And this family isn't filthy rich, or anything.
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May 15, 2016 20:39
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I didn't have a whole lot when I was a kid as we didn't have a lot of money. Most of the money went on living. It's not so much that parents are necessarily spending more on their kids as a lot of things are cheaper in real terms. Although mobile gadgets didn't exist on the scale or cost that exists today, and it was a lot more difficult to get loans. Parents aren't earning more, they are just spending more.
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May 15, 2016 20:54
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Re: Tesla and tax fraud chat I'm no tax expert, so correct me if I am wrong. But the IRS frowns upon claiming more withholding allowances than you are entitled to. If IRS publication 505 is anything to go by. IRS Publication 505 posted:Penalties I suppose if you truly expect to have all your withholding refunded and indeed had it all refunded last year you should write "Exempt" on line 7 of your W-4. Not write a eyebrow raising number under allowances. BWM: Jail time + fine for "willfully failing to supply information that would increase the amount withheld". For a Tesla no less.
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May 15, 2016 21:22
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Devian666 posted:I didn't have a whole lot when I was a kid as we didn't have a lot of money. Most of the money went on living. It's not so much that parents are necessarily spending more on their kids as a lot of things are cheaper in real terms. Although mobile gadgets didn't exist on the scale or cost that exists today, and it was a lot more difficult to get loans. Yeah I used to think Kids These Days were spoiled by comparison until I remembered that when I was a kid computers cost $3000 each and cell phones were for high-powered business jerks to buy and sell stocks with
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May 15, 2016 22:36
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Parallel Paraplegic posted:Yeah I used to think Kids These Days were spoiled by comparison until I remembered that when I was a kid computers cost $3000 each and cell phones were for high-powered business jerks to buy and sell stocks with My first computer cost $400 (over $1200 in today's money). It had a green screen monitor and a tape deck for storage. Five years later I knew people who got $3000 cell phone bills and decided to cancel. We're all better off for technology and it's a lot cheaper. Now computers or ipads are expected for a lot of schools. Recent stories have parents that are struggling to pay $11.5 a week so their child can have a school provided laptop. Kids are BWM.
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May 15, 2016 23:16
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melon cat posted:Also- each of the three kids who lived at that house each have their own iPad. And this family isn't filthy rich, or anything. On the other hand, the original Macintosh base model cost $2,495 in 1984 dollars or about $5,700 in 2016 dollars. A modest size color television and an original Atari 2600 console cost about $1200 in 1977 or $4700 in 2016 plus games. Technology has gotten so much less expensive and more accessible since you were a child that a family spending $1000 or whatever to give their three children their own retinal display wireless space gizmos to play with is just a slightly obnoxious luxury to you.
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May 15, 2016 23:21
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I encourage anyone who likes kids but is discouraged at the costs to consider fostering a child who needs a loving home 
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May 15, 2016 23:21
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Mocking Bird posted:I encourage anyone who likes kids but is discouraged at the costs to consider fostering a child who needs a loving home Psh why would I want to get a used one though  (Real actual sentiment I've gotten from a lot of people who balk at the idea of adopting or foster-care-ing)
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May 16, 2016 00:22
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Well I'm glad to see it's actually a crime to commit tax fraud. Thank you for posting the irs comment!
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May 16, 2016 00:42
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Parallel Paraplegic posted:Psh why would I want to get a used one though "If I wanted secondhand goods, I'd go to a pawnshop." 
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May 16, 2016 01:59
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Sic Semper Goon posted:"If I wanted secondhand goods, I'd go to a pawnshop." I mean secondhand children (a phrase that pained me to write) really are a thrifty alternative since they can come to you already school aged with no daycare needs, and the state provides a stipend for their care and adoption assistance if you adopt. I just like to remind people that adoption doesn't have to be thousands upon thousands of dollars and I run into people every day who believe that they wouldn't qualify as a foster parent because they are single, male, gay, full time employed, etc. Not true at all! Kids are great and worth the money though. Just don't buy them retina iPads when they are toddlers  My 16 year old just destroyed her hand me down iPhone 5C and I'm always stunned to see her classmates with brand new iPhones gouged and bashed to bits.
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May 16, 2016 02:21
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On that topic, adopt your pets from shelters if possible. My mom has always adopted and they are great doges, however the two she has now look at me like I'm a jerk though when I'm home and sleep in my (their) room/bed. The neighbor across the street just got another puppy from the same breeder as their last dog who needed 2 new ACLs when it was in its teens. It is a beautiful and well behaved golden retriever, but I doubt it was cheap. Shelter dogs, GWM.
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May 16, 2016 02:44
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