|
It's already been mentioned, but Costco is the bomb for dog food. 40lbs of good quality (meat first two ingredients) kibble for under $30. I probably save my membership dues in just the difference over grocery store dog food. Just think of the humble brags you'd have after catering your dog's wedding with Kirkland kibble.
|
#
?
Jun 22, 2016 20:36
|
|
|
|
| # ? Jun 5, 2024 05:21 |
|
|
Somewhere online there's an article that lists the best and worst buys at Costco. Not worth finding on my phone but if I remember correctly: meat is good, razors and tampons and paper towels are bad.
|
|
#
?
Jun 22, 2016 21:00
|
|
|
If you buy Kirkland, paper towels are still a good buy. Baby Formula is an insanely good buy. Diapers are cheaper on Amazon subscribe. You've just got to compare. It'll take a couple trips there and to other stores in the area, but you get an idea of what is worth buying there and what isn't. I bought an awesome garden hose for 21 bucks the other day that would've cost me 50 or 60 at Lowes.
|
|
#
?
Jun 22, 2016 21:04
|
|
|
No Butt Stuff posted:Diapers are cheaper on Amazon subscribe. What brands are you comparing?
|
|
#
?
Jun 22, 2016 21:10
|
|
|
Huggies, straight up. Huggies on amazon are cheaper than kirkland even, at least in sizes 2 and 3.
|
|
#
?
Jun 22, 2016 23:45
|
|
|
No Butt Stuff posted:If you buy Kirkland, paper towels are still a good buy. Baby Formula is an insanely good buy. Diapers are cheaper on Amazon subscribe. Those garden hoses suck but you can return them once you figure it out years later. USA rubber ftw. E: some people do like them, though. To each their own. SiGmA_X fucked around with this message at 01:27 on Jun 23, 2016 |
|
#
?
Jun 23, 2016 00:18
|
|
|
From reddit: https://www.reddit.com/r/tifu/comments/4pbffj/tifu_by_finishing_my_phd/ quote:TL;DR If you are doing a PhD, don't finish it. If you finish it, apply for another one. The only time you will be in Academia is if you are a student. quote:Oh man that sucks. What is your doctorate in? quote:Lit. in Spanish, which lets me teach Spanish 101.  BWM and BWLife
|
|
#
?
Jun 23, 2016 04:05
|
|
|
No Butt Stuff posted:Huggies, straight up. Huggies on amazon are cheaper than kirkland even, at least in sizes 2 and 3. But then you have to buy extra paper towels and wipes to clean up when they leak. Huggies are garbage.
|
|
#
?
Jun 23, 2016 04:20
|
|
|
My sister gets her mail delivered to my parents' house because she can never consistently stay in one place. Among the many notices she receives, yesterday a Fingerhut catalog showed up. I can only imagine how much she's spent so far
|
|
#
?
Jun 23, 2016 11:32
|
|
|
VideoTapir posted:But then you have to buy extra paper towels and wipes to clean up when they leak. We do have to buy different night time Diapers for the boys. But that was the same with huggies, pampers and Kirkland. Not sure what else we would buy. Hopefully only another year of diapers. They're on the last can of formula I will ever buy, so at least that cost is going away.
|
|
#
?
Jun 23, 2016 13:27
|
|
|
I work for the government and they just completely redid our 457(b) accounts and announced our raise amount for the next fiscal year (1% womp womp). It was a coworker's birthday, so we went out to lunch and got to discussing these updates. Most people in my office are in their late 40's or early 50's. Some of the quotes over about an hour: - "Why bother with opening a 457(b)? Seems like a lot of hassle and we have a pension. I don't know how much you get from a pension, but the fact that it is a pension means you get more than your current salary because you don't pay taxes. I've been here 20 years and never bothered to open a 457 and I'm doing fine." - "Don't put any money in a 457(b). There is no match and you need that money for a house before prices get too high to afford one. They never go down, but rent always goes up." - One of my coworkers was talking about how they have "a guy" at the BMW dealership. He went in to get his 2012 vehicle serviced and ended up leaving with a 2016 model for the same monthly payment. Free upgrade! - "Having roommates is a terrible idea for someone your age (30). You get a distorted view of how much housing costs and never go out into property ownership because it is easy to just stay where you are. Also, you need to get used to paying for a house and utilities by yourself if you ever want to get married and have kids." - "If your insurance company is letting you pay less than $100 a month to insure your car, then you should not be driving that car." - "The stock market is just a casino you can go to online. Keep your money in property, gold, and cars. Stuff you can touch and always have access to." 
|
|
#
?
Jun 23, 2016 13:52
|
|
|
Leon Trotsky 2012 posted:- "Having roommates is a terrible idea for someone your age (30). You get a distorted view of how much housing costs and never go out into property ownership because it is easy to just stay where you are. Also, you need to get used to paying for a house and utilities by yourself if you ever want to get married and have kids." So close to enlightenment, and yet, so far.
|
|
#
?
Jun 23, 2016 13:55
|
|
|
Leon Trotsky 2012 posted:- "Why bother with opening a 457(b)? Seems like a lot of hassle and we have a pension. I don't know how much you get from a pension, but the fact that it is a pension means you get more than your current salary because you don't pay taxes. I've been here 20 years and never bothered to open a 457 and I'm doing fine." I think so few people now have pensions that they've been elevated into some mythical 'Get Out of Paying for Retirement' card. I mean they are great. My mom started saving for retirement late and ended up with only 200k in her 401k. But she has Social Security and a kickass pension so she's okay. But awesome pensions are nothing anyone born in the latter half of the 20th century can count on. And if you do have a pension and happen to be a municipal employee in a city with funding problems...well. That's what the 457(b) is for. Moneyball posted:Among the many notices she receives, yesterday a Fingerhut catalog showed up. I can only imagine how much she's spent so far On the plus side you can buy a throw pillow from Fingerhut in 1997 and still be receiving catalogs.
|
|
#
?
Jun 23, 2016 14:11
|
|
|
Leon Trotsky 2012 posted:- "Don't put any money in a 457(b). There is no match and you need that money for a house before prices get too high to afford one. They never go down, but rent always goes up." This one starts out kind of reasonable until you get to the word never. If there's no match and your expense ratios are bad enough, using a house as a roth equivalent could make a lot of sense. You would pay no interest on most capital gains and a pretty low rate on the rest, lower than a non-roth 457(b) would typically get taxed for someone with a pension and social security income. That plan could accidentally work as long as the real estate market moves about on pace with the stock market.
|
|
#
?
Jun 23, 2016 14:12
|
|
|
Krispy Kareem posted:I think so few people now have pensions that they've been elevated into some mythical 'Get Out of Paying for Retirement' card. Pensions are great until the pension fund goes bankrupt, see: Central States. Social security is great until the social security trust fund goes bankrupt, see: social security
|
|
#
?
Jun 23, 2016 16:19
|
|
|
I just accepted a job that offers a pension. I've never had one before so it's been kinda fun reading up on what it offers.
|
|
#
?
Jun 23, 2016 16:51
|
|
|
A get-out-of-taxes membership card, apparently. Better check if yours is a state and federal exemption only or if it also covers property and sales tax too. e. See if it covers lottery winnings as well. If so, you know what you must do 
|
|
#
?
Jun 23, 2016 16:59
|
|
|
Krispy Kareem posted:I think so few people now have pensions that they've been elevated into some mythical 'Get Out of Paying for Retirement' card. It is a nice supplement, though. I really wish I had one. My dad's company stopped offering pensions like 15 years ago, but he has a defined benefit of $1k a month after he retires. He says "that's nothing" but it's on top of probably max possible social security and several hundred grand in his 401k. He'll be alright if he can stop financing three vehicles.
|
|
#
?
Jun 23, 2016 17:21
|
|
|
When you retire and have a paid off car, house, vehicle and no kids then $1,000 goes a long way. If you retire and still spend like you're at peak career then that's just idiotic.
|
|
#
?
Jun 23, 2016 17:26
|
|
|
Nail Rat posted:It is a nice supplement, though. I really wish I had one. My dad's company stopped offering pensions like 15 years ago, but he has a defined benefit of $1k a month after he retires. He says "that's nothing" but it's on top of probably max possible social security and several hundred grand in his 401k. He'll be alright if he can stop financing three vehicles. Those three vehicles are tangible though so are worth waaaaaaay more than some stupid "equity." Your car isn't going to depreciate to $0, and will, in fact, gain value the older it gets because it will become a classic.
|
|
#
?
Jun 23, 2016 17:39
|
|
|
SpelledBackwards posted:Take the shopping cart home with you: free downhill buggy! Catching up on the thread at the moment, but this was quite the thing in North Vancouver
|
|
#
?
Jun 23, 2016 17:58
|
|
|
My dad had a pretty solid pension and then that got mostly snatched by my mother in their divorce, so that's another thing that can put it at risk. Guess someone's going to find out how much vodka 1200 a month can buy.
|
|
#
?
Jun 23, 2016 18:04
|
|
|
Oxxidation posted:My dad had a pretty solid pension and then that got mostly snatched by my mother in their divorce, so that's another thing that can put it at risk. enough to melt your liver for sure, but there are more pleasant ways to off yourself i would think.
|
|
#
?
Jun 23, 2016 18:07
|
|
|
I'd like to drink 1200 worth of vodka at some point soon, 'cause my savings are basically gone now.
|
|
|
#
?
Jun 23, 2016 18:11
|
|
|
Leon Trotsky 2012 posted:- "Don't put any money in a 457(b). There is no match and you need that money for a house before prices get too high to afford one. They never go down, but rent always goes up." It's been a while since I saw a SAFE AS HOUSES post
|
|
#
?
Jun 23, 2016 21:02
|
|
|
Today is going to be a good day to read the stock trading thread I think
|
|
#
?
Jun 24, 2016 13:36
|
|
|
There ought to be some GTAT-level freakouts today. Let the search commence
|
|
#
?
Jun 24, 2016 14:19
|
|
|
Not even close. GTAT was an "all eggs in one basket" situation where the basket got launched into the sun. Today's "crash" is just overall markets going down by like 5-10%. It will recover. If it doesn't recover you will have more urgent problems than retirement to worry about.
|
|
#
?
Jun 24, 2016 14:27
|
|
|
Yeah, it's a big deal, but not THAT big a deal. It might even help the U.S. in that London isn't going to be as attractive a financial center as it was. It just creates uncertainty and the stock market hates uncertainty. Now if today was the day you absolutely had to liquidate assets. Well that's going to suck.
|
|
#
?
Jun 24, 2016 14:42
|
|
|
My parents just converted a few thousand US dollars into pounds two days ago for an upcoming trip this weekend. Oops!
|
|
#
?
Jun 24, 2016 15:34
|
|
|
Zo posted:Not even close. GTAT was an "all eggs in one basket" situation where the basket got launched into the sun. Today's "crash" is just overall markets going down by like 5-10%. It will recover. If it doesn't recover you will have more urgent problems than retirement to worry about. True at a macro level, but I guarantee if you look, you'll find someone that managed to hold a position that is leveraged to the moon and back and also utterly depends on BRemain, bankrupting themselves, their parents, their neighbors, and the other dogs Fido plays with at the park.
|
|
#
?
Jun 24, 2016 15:44
|
|
|
OneTruePecos posted:True at a macro level, but I guarantee if you look, you'll find someone that managed to hold a position that is leveraged to the moon and back and also utterly depends on BRemain, bankrupting themselves, their parents, their neighbors, and the other dogs Fido plays with at the park. The best part is, because oddmakers overwhelmingly predicted a BRemain, that hypothetical-but-probably-real person was gambling everything to win a very small return. Somebody. Find this person.
|
|
#
?
Jun 24, 2016 16:02
|
|
|
Enos Cabell posted:My parents just converted a few thousand US dollars into pounds two days ago for an upcoming trip this weekend. Oops! I just got back from a two weeks in the UK. It's like when you buy something at the store and then see a coupon in the paper the next day. BWM On the upside, I turned in all my receipts for this work trip before the crash, so I still get reimbursed at the better exchange rate. GWM.
|
|
#
?
Jun 24, 2016 16:25
|
|
|
Krispy Kareem posted:The best part is, because oddmakers overwhelmingly predicted a BRemain, that hypothetical-but-probably-real person was gambling everything to win a very small return. Somebody. Find this person. https://www.predictit.org/Contract/784/Will-the-UK-vote-to-leave-the-EU-by-year-end-2016#data
|
|
#
?
Jun 24, 2016 16:34
|
|
|
Sepherothic posted:I just got back from a two weeks in the UK. It's like when you buy something at the store and then see a coupon in the paper the next day. BWM Uh, I thought it was fairly common to get the exchange rate for the day of the receipt, so you explicitly can't get hosed like this.
|
|
#
?
Jun 24, 2016 18:57
|
|
|
TLG James posted:Uh, I thought it was fairly common to get the exchange rate for the day of the receipt, so you explicitly can't get hosed like this. I don't know my companies policy, and it may well be that they do this, but I just generally assume it's "gently caress first, ask questions later."
|
|
#
?
Jun 24, 2016 19:17
|
|
|
Sepherothic posted:I don't know my companies policy, and it may well be that they do this, but I just generally assume it's "gently caress first, ask questions later." It's an accounting nightmare to do it any other way, really, especially since it's how their corporate cards will work.
|
|
#
?
Jun 24, 2016 19:29
|
|
|
If your company holds any pounds they may wish to pay you out in those though, in which case you get screwed.
|
|
#
?
Jun 24, 2016 19:44
|
|
|
Jeffrey of YOSPOS posted:If your company holds any pounds they may wish to pay you out in those though, in which case you get screwed. In my experience you always claim receipts in your contract currency and you are always paid in contract currency. It's too difficult otherwise and your company is probably not holding vast reserves of foreign currency.
|
|
#
?
Jun 24, 2016 21:05
|
|
|
|
| # ? Jun 5, 2024 05:21 |
|
|
Jeffrey of YOSPOS posted:If your company holds any pounds they may wish to pay you out in those though, in which case you get screwed. This is insanely paranoid and no competent business would invest the energy necessary to screw its own employees in this manner. (Unless they actively want to get rid of you and want you to quit so they don't have to pay severance)
|
|
#
?
Jun 24, 2016 21:12
|
|