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Devian666 posted:I'm not sure either. Maybe they think their 401k is sorted. Ha ha. Oh God. I think the thing with cars is, it's rarely worth having a sports car or a super nice car. If you can afford it, whatever, but it simply doesn't make sense for most people. My inlaws bought a Polaris Slingshot last year. Fun as gently caress to drive. I would never own one, especially considering they live in the midwest. Hell, if you really have the need for speed, they do those track events where you can drive a Viper or whatever for a couple of laps for 100 bucks. Or just rent a mustang or camero for the weekend.
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Jun 2, 2016 20:40
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I actually know of a person who is DINK and they make around 80,000 yearly and have no cars, yet once or twice a month rent muscle cars to just drive around. I found it weird, but I guess it kinda makes sense.
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Jun 2, 2016 20:52
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My own BWM story: I bought a HTC Vive.
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Jun 2, 2016 21:16
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Vahakyla posted:once or twice a month rent muscle cars to just drive around I did that with the new Jaguar F-Type R last year. I wouldn't do it again, but it was a fun weekend treat. (The owner leased it just to rent it out to losers like me. If he charges enough per rental to cover the lease and insurance and incidentals, is that still BWM?) ChickenOfTomorrow fucked around with this message at 21:19 on Jun 2, 2016 |
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Jun 2, 2016 21:16
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Doubly stupid since you can buy a motorcycle for a few grand that's faster than any car under $100,000. Also your girlfriend will probably hate it so you can save money when you don't have a wedding.
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Jun 2, 2016 21:19
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ChickenOfTomorrow posted:I did that with the new Jaguar F-Type R last year. I wouldn't do it again, but it was a fun weekend treat. depends on if his insurance or your own would cover any incident that happened with the car. what if someone he rented it to had it stolen? recipe for legal disaster.
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Jun 2, 2016 21:30
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MrKatharsis posted:Doubly stupid since you can buy a motorcycle for a few grand that's faster than any car under $100,000. Also your girlfriend will probably hate it so you can save money when you don't have a wedding. Buying life insurance on your superbike owning boyfriend: GWM.
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Jun 2, 2016 21:40
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H110Hawk posted:Buying life insurance on your superbike owning boyfriend: GWM. Superbike lol. You can do wicked acceleration on a NINJA 250 and get killed just as easy and still not spend more than like 1500$ from craigslist.
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Jun 2, 2016 21:59
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Lysandus posted:My own BWM story: I bought a HTC Vive. My own GWM story: I bought two HTC Vives and sold one on ebay for $2200. Got my vive for free.
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Jun 2, 2016 22:01
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My in-laws have a 2015 Mazda whatever they call the Miata now, a 2015 Mazda CX7, a 2016 BMW X5 and now also a 2014 used BMW 3 series sedan of some kind that they just bought. There are two of them, and my mother in law is disabled and doesn't drive. The miata is her "fun car" and the X5 is her car that the housekeepers drive her around in. The CX7 is my father in law's daily driver. The sedan was the result of trading in a 2010ish BMW 3 series convertible that had some issue that was keeping it from passing inspection. It is literally the car he has to drive his dogs around in. His dogs that chew on car interiors and destroy cars. Last week, when my husband said his dad was taking the convertible in to the dealership, I just assumed he was going to sell it to them for whatever since it was actually paid off. No. Coming from poverty, even after having been with my husband since I was 14 (20 years) and married in to this family for 10 years, I still just cannot comprehend this kind of spending. They also still live in a huge six bedroom house (they only ever had 2 kids) that costs thousands of dollars a month in utilities. GIVE ME MONEY TO PAY OFF MY HUSBAND'S STUDENT LOANS FROM LAW SCHOOL YOU PRETENTIOUS JERKS!!!! 
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Jun 2, 2016 22:09
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r0ck0 posted:
That's not a humblebrag Phone posted:I figured out that I can get the bus costs down from $4.50/day to under $2.70 with a pretax benefit from work. This is a humblebrag. No relevance to anything except being a post about CARZ and HORSEZ, no point except for "heh, look at how GWM I, forums goon Phone, am  ", but with a shoehorned-in thread reference to try and hide it. This is a humblebrag.
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Jun 2, 2016 22:25
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Please tell me how having two car payments, paying back student loans (one of which isn't even in my name), and having only a few thousand dollars as a safety net is a humblebrag or good with money. Please, please, please tell me. Or... it could be a continuation of the conversation from yesterday about the abysmal state of public transit in the US and me figuring out that I will actually have access to decent transit in 6 weeks time. Phone fucked around with this message at 23:03 on Jun 2, 2016 |
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Jun 2, 2016 23:00
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Phone posted:Please tell me how having two car payments, paying back student loans (one of which isn't even in my name), and having only a few thousand dollars as a safety net is a humblebrag or good with money. Please, please, please tell me. You're making it worse
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Jun 2, 2016 23:02
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No fair enough, I hosed up writing my post. I meant to write "cool and good" rather than "GWM". I don't know how good with money you are and, judging from your post, I guess you aren't. Sorry for the confusion. My point stands.
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Jun 2, 2016 23:46
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Phone posted:Please tell me how having two car payments, paying back student loans (one of which isn't even in my name), and having only a few thousand dollars as a safety net is a humblebrag or good with money. Please, please, please tell me. You should start a thread 
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Jun 3, 2016 00:13
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Phone posted:I still am going to have 2 cars, a truck, 1/3 of a race car, and a scooter. Phone posted:Please tell me how having two car payments, paying back student loans (one of which isn't even in my name), and having only a few thousand dollars as a safety net is a humblebrag or good with money. Maybe you should sell some of that stupid poo poo you bought.
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Jun 3, 2016 00:16
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FrozenVent posted:You should start a thread
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Jun 3, 2016 00:33
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Inverse Icarus posted:some people my family buy or lease new luxury cars every three years or so and one time they were ribbing me for still driving my 99 Honda Accord. My brother and I both explained that cars are just metal boxes to move you around and nothing else really matters, but they stared at us like we were from another planet. I like how MMM calls cars luxury wheelchairs.
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Jun 3, 2016 00:51
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Nitrox posted:Yeah, totally. Also, don't link it here. Thanks Thread is here. (USER WAS PUT ON PROBATION FOR THIS POST) Somebody fucked around with this message at 04:52 on Jun 3, 2016 |
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Jun 3, 2016 01:01
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Inverse Icarus posted:some people my family buy or lease new luxury cars every three years or so and one time they were ribbing me for still driving my 99 Honda Accord. My brother and I both explained that cars are just metal boxes to move you around and nothing else really matters, but they stared at us like we were from another planet. Yes, much in the same way that a house is just walls and a roof to block rain from falling on your head and hold your belongings, clothing is just material to cover your naked body, food is just calories to allow your cells to continue to respirate, etc etc
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Jun 3, 2016 01:08
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Phone posted:Thread is here. Bad with money: being in debt and then posting a link that violates the rules and should result in a ban.
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Jun 3, 2016 01:18
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Phone posted:Actual public transit exists only in Real Cities in America, places like Chicago, New York, and now Denver. Well, the problem with the Triangle light rail system is that it constitutes a modest incremental convenience compared to current bus routes for people who live on the proposed line between Durham and Chapel Hill, and costs $1.8 billion for everyone else who pays for it, not to mention funding the inevitable chronic operating cost shortfalls. Realizing that it would be insane to spend 3.5x the combined annual budgets for the two cities on a light rail, the budgeting plan is counting on 50% of the construction to be paid for by the federal government and 25% to be paid for by the state government - other words, it only makes sense when spending someone else's money.
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Jun 3, 2016 01:21
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BEHOLD: MY CAPE posted:Well, the problem with the Triangle light rail system is that it constitutes a modest incremental convenience compared to current bus routes for people who live on the proposed line between Durham and Chapel Hill, and costs $1.8 billion for everyone else who pays for it, not to mention funding the inevitable chronic operating cost shortfalls. Realizing that it would be insane to spend 3.5x the combined annual budgets for the two cities on a light rail, the budgeting plan is counting on 50% of the construction to be paid for by the federal government and 25% to be paid for by the state government - other words, it only makes sense when spending someone else's money. People living there don't pay federal or state taxes?
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Jun 3, 2016 01:29
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Zo posted:People living there don't pay federal or state taxes? Of course they do, they pay about I dunno, 0.2% of all state and federal taxes? It'd be great to get $1.4 billion dollars from the government to build a little railroad but the city and county would never for instance, try to issue $1.8 billion in bonds to fund it.
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Jun 3, 2016 01:48
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Droo posted:Bad with money: being in debt and then posting a link that violates the rules and should result in a ban. Yeah that link is pretty unfunny. It should result in a ban because it doesn't actually work. You're supposed to link to 
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Jun 3, 2016 03:08
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TLG James posted:Hell, if you really have the need for speed, they do those track events where you can drive a Viper or whatever for a couple of laps for 100 bucks. Or just rent a mustang or camero for the weekend. When I was in Vegas last year, there are places where you can basically rent a couple of highend sports cars on a scenic road. It was a couple hundred bucks and if I had time I probably would have talked myself into it. Its not like I'm ever going to own a Ferrari.
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Jun 3, 2016 05:02
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Devian666 posted:Yeah that link is pretty unfunny. It should result in a ban because it doesn't actually work. You're supposed to link to 
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Jun 3, 2016 09:06
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What was the link? The whole point is that nobody should be going to his lovely thread, so I never clicked.
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Jun 3, 2016 12:41
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He tried to link to the logout page, but since each logout link is personalized now, it didn't even work.
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Jun 3, 2016 12:43
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Nitrox posted:What was the link? The whole point is that nobody should be going to his lovely thread, so I never clicked. It just linked to the SA logout button. e: welp that'll teach me not to refresh
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Jun 3, 2016 12:46
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TLG James posted:I think the thing with cars is, it's rarely worth having a sports car or a super nice car. If you can afford it, whatever, but it simply doesn't make sense for most people. I still think a super nice car is worth it, if only to show off. But you have to be able to afford that super nice car. And the statistics show most people can't. The average US car loan is 68 months, with almost a third of all US car loans lasting between 73-84 months. If you have to take a +60 month loan to buy that BMW, you can't afford the BMW.
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Jun 4, 2016 00:21
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Although if the apr is less than 2% I'd probably take the longest terms they would allow me.
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Jun 4, 2016 03:47
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Carbon Copy posted:Although if the apr is less than 2% I'd probably take the longest terms they would allow me. For every one responsible person that gets a <1-2% auto loan and could actually afford to pay cash and is instead just using the time value of money to their advantage, you just know for sure there are at least ten Americans that are using a long-term loan to stretch their budget far more than they should.
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Jun 4, 2016 05:48
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golden bubble posted:I still think a super nice car is worth it, if only to show off. But you have to be able to afford that super nice car. And the statistics show most people can't. The average US car loan is 68 months, with almost a third of all US car loans lasting between 73-84 months. If you have to take a +60 month loan to buy that BMW, you can't afford the BMW. That's a terrible reason, is that sarcasm? Most of the cars for showing off your wealth depreciate the fastest. I wonder what the brand, model and apr breakdown are from that experian report. I'm betting shitloads of expensive trucks.
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Jun 4, 2016 05:58
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BraveUlysses posted:That's a terrible reason, is that sarcasm? Most of the cars for showing off your wealth depreciate the fastest. And if you can afford it, what is wrong? That is the whole point behind showing off, isn't it? That you can eat the depreciation and afford a fancy car.
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Jun 4, 2016 07:53
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Fancy Ford and GM trucks don't depreciate nearly as fast as European/American luxury cars. Unfortunately.
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Jun 4, 2016 08:37
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http://ask.metafilter.com/296586/quitting-job-to-day-trade-for-a-living-Need-Advice posted:male, 43 yrs old, married with two kids (7 and 2), the only wage earner in the family. i know this step is incredibly risky and probably selfish too, but i am tired of my job and don't see a future even assuming i finally climb to the top of my career track. figure this is probably my last chance to do sth i would remember on my death bed. details below The responses are about what you'd expect, but I liked this follow-up from the OP: quote:why does day trading get such a bad rap? after diving in various traders forums, i do believe there are people living off trading, but they are such mythic creatures, i really can't pull one out of my pocket to show you.
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Jun 4, 2016 13:09
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That loving idiot needs to make 6% a month just to cover his expenses. I don't think I'm going out on a limb here to say someone with such unrealistic expectations is probably not trader material.
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Jun 4, 2016 13:37
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That same idiot on Metafilter posted:hi, guys and gals, i am reading every post. thanks a lot for straight talks, maybe i am indeed going through a manic depressive episode right this moment lol
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Jun 4, 2016 13:44
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Guy really just wants to be single again with no kids, without giving up half of his stuff. (Can't divide 0 in half)
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Jun 4, 2016 14:17
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