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GoGoGadgetChris posted:In conclusion, never give Royal Moore Subaru in Hillsboro, Oregon any of your business, because they are fuckbois Lest I allow the good name of Subaru to go attacked without response (lol), when I bought mine last year I was able to do so without a credit check. The lesson is, ymmv & it's probably different on a dealer by dealer basis.
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Jul 2, 2016 22:17
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/r/personalfinance thread with the title "Bout to buy a car for $16k. I make $40k/year and I've never done this before." https://www.reddit.com/r/personalfinance/comments/4qh1uc/bout_to_buy_a_car_for_16k_i_make_40kyear_and_ive/ posted:So I just landed a job in computer programming, making 40k (yeah!), started about three months ago and I just need some advice. I've never bought a car, never taken out a loan, don't have much credit to speak of, not even sure what my actual monthly expenses are at this point. And why does he want a new car when he has a perfectly good Corolla? quote:To attract women, mainly. I have about a grand or two in the bank, so the most I could afford today would be... repairs on my beater. Doing the math here, you're saying I shouldn't buy anything that costs more than $4k? I could afford $800, the total cost would be about 10% of my pay, and I guess I could do a 4 yr payment plan. quote:The only thing wrong with it is it's ugly. It's undergone some serious body damage, the fenders are different colors, the handles have broken off, and the paint is balding on the top. It's embarrassing picking up girls in that thing. At least this one has a happy ending (?) quote:Yeah I guess I'm having second thoughts, I should probably just do some repairs and get my car looking more presentable, then worry about a newer one later.
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Jul 2, 2016 22:55
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melon cat posted:The one thing I hate about getting a replacement vehicle is dealing with the dealerships. I should be excited about a new car. But the last time we replaced my dying 2000 Civic I had to run the gauntlet with about ~7 scummy car salesmen. And it was funny- the first one told me, "We do an 18-point inspection on your car!" The one afterwards said, "We do a 30-point inspection!" then the one after that said, "We do a 50-point inspection!" I didn't even mention the previous car dealerships, and they went full retard with their sales pitches. When I wrecked my first car, I was in a position where I needed a new car on short notice. I bought my brother's old car, a car I didn't want for more money than I was willing to spend just to avoid having to go to a dealership. I'm going to continue to drive that thing until it dies just to put off having to put up with a dealership. Hopefully by then I'll have enough money saved up to just buy a car in cash to avoid putting up with them. There's a GWM story hidden in there because it had low mileage and my brother took very good care of it so I knew I was getting my money's worth and that it would last me.
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Jul 2, 2016 23:25
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mastershakeman posted:Ha is that what they did? I just got two new cards that were both visa and was going to call and ask. Weird that one got converted over Yeah thanks, that solves the same mystery for me. Wasn't sure why I got two identical Visa cards with different numbers. Hope I cut up the 1.5% one and not the 2% former AmEx!
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Jul 2, 2016 23:54
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The Visa is 2%.
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Jul 3, 2016 00:06
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Renegret posted:I'm going to continue to drive that thing until it dies just to put off having to put up with a dealership. My sister is going to be 30 in November, has had a real job since she finished college, and is still driving the '94 Accord she bought when she was in high school.
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Jul 3, 2016 01:00
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Phone posted:The Visa is 2%.
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Jul 3, 2016 01:37
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THF13 posted:Fidelity at one point offered a 2% cashback Amex and a 1.5% cashback Visa. Everyone with the 2% cashback amex was switched over to a 2% Visa, but the people with the 1.5% Visa were not. I'm well aware. If you have the 1.5% card and get it replaced, it'll be replaced with another 1.5% card, but if you call up CS and request to be switched over, they'll do it.
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Jul 3, 2016 01:43
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Phone I can't tell if you're trolling or really bad at communicating.
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Jul 3, 2016 02:23
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High Lord Elbow posted:Phone I can't tell if you're trolling or really bad at communicating. Phones are generally used for communication.
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Jul 3, 2016 08:27
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THF13 posted:Fidelity at one point offered a 2% cashback Amex and a 1.5% cashback Visa. Everyone with the 2% cashback amex was switched over to a 2% Visa, but the people with the 1.5% Visa were not. Yeah so now I have a 2% visa and a 1.5% visa and can't tell them apart without effort on my part. Fun times. Plus I'm holding off on activating these cards because 1) pin cards suck and 2) I'll have to redo account info on 30 different places. Credit card companies should let old numbers stay active even when you move to a new card/number as long as it's an auto-recurring bill or one you authorize or whatever, it's incredibly annoying to update all this stuff.
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Jul 3, 2016 15:53
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mastershakeman posted:Yeah so now I have a 2% visa and a 1.5% visa and can't tell them apart without effort on my part. Fun times. They have a method for it, but it's on the merchant to set it up (and I assume pay a premium for the honor.) It's how LA Fitness can keep charging my new credit card when I lose my old one. My amex recently had a update to their cardmember agreement to spell out how that feature exists and it is OK by them.
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Jul 3, 2016 16:05
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Factor Mystic posted:Lest I allow the good name of Subaru to go attacked without response (lol), when I bought mine last year I was able to do so without a credit check. The lesson is, ymmv & it's probably different on a dealer by dealer basis.
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Jul 3, 2016 18:33
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Renegret posted:When I wrecked my first car, I was in a position where I needed a new car on short notice. Jeez just do a modicum of research on the car buying process and learn to say no. It's not that difficult.
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Jul 4, 2016 08:05
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Barry posted:Jeez just do a modicum of research on the car buying process and learn to say no. It's not that difficult. Okay The car I was buying had low mileage and my brother took very good care of it so I knew I was getting my money's worth and that it would last me.
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Jul 4, 2016 12:52
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High Lord Elbow posted:Car dealerships are usually wise to this. Last time I tried this, they had a $2k limit for credit cards. AmEx has a car buying service via TrueCar, it'll tell you the limits on it beforehand. Now I feel like a dope for letting Honda check my credit even though I paid in cash. No wonder why I still had to sit through their finance spiel. No, I don't care if it's 0%!
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Jul 4, 2016 20:05
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My roommate was talking about his new job's retirement options and how excited he was to have a retirement plan he can contribute to every year. I asked him if he had a Roth IRA and he told me that he did, but he had already maxed it out when he opened it 6 years ago. Apparently he didn't realize that you can put 5.5k into your Roth IRA EACH year and not in total. So, he has missed out on 6 years of contributions.
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Jul 4, 2016 20:18
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That kid accepted a computer programming job for 40k. This industry is collapsing so fast it's kind of hilarious.
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Jul 4, 2016 20:19
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Leon Trotsky 2012 posted:My roommate was talking about his new job's retirement options and how excited he was to have a retirement plan he can contribute to every year. I asked him if he had a Roth IRA and he told me that he did, but he had already maxed it out when he opened it 6 years ago. Oh man  Has he been saving those six years worth of contributions in a taxable account at least?
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Jul 4, 2016 20:55
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pig slut lisa posted:Oh man Nope, he bought several thousand dollars in woodworking supplies, a motorcycle, and wants to get a house. He makes a lot of money working weird shift hours at a hospital lab, but he keeps it all in cash and tends to make one huge (7k+) purchase a year. At least he doesn't spend it all?
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Jul 4, 2016 21:04
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Snack-sized "it came from reddit":https://www.reddit.com/r/personalfinance/comments/4r8j02/buying_a_home_on_30000year_salary/ posted:Is it possible to buy a home with a salary of $30,000/year? quote:Right now I'm a 27 year old female and living with my parents out in the middle of nowhere, so it's kind of cramping my social life, especially because I'd like to meet someone to seriously date. So I figured getting a little condo now would help with that aspect. pathetic little tramp posted:That kid accepted a computer programming job for 40k. This industry is collapsing so fast it's kind of hilarious.
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Jul 4, 2016 22:18
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Dating advice: buy a house
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Jul 4, 2016 22:51
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Haifisch posted:Snack-sized "it came from reddit": Lol, are you involved in trying to hire devs at all? Believe me, there isn't a glut of competent people at this point, and those coding boot camps aren't going to make more... That's not to say the $200k/year offers to new grads will remain forever, but one dumb kid isn't a bell weather
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Jul 5, 2016 00:52
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Its like any other profession. The idiots get 30k till they have experience, skill, and are no longer idiots. Then they get paid. Same as any other profession. Army grunts that barely finish PT dont get paid the same as Obama.
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Jul 5, 2016 02:01
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Those two posts next to each other. Hah.
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Jul 5, 2016 02:15
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ohgodwhat posted:Lol, are you involved in trying to hire devs at all? Believe me, there isn't a glut of competent people at this point, and those coding boot camps aren't going to make more... That's not to say the $200k/year offers to new grads will remain forever, but one dumb kid isn't a bell weather Seriously, it is REALLY hard to find skilled devs right now.
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Jul 5, 2016 02:37
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Jmcrofts posted:Seriously, it is REALLY hard to find skilled devs right now. Do you mean skilled devs, or do you mean with the specific skill sub sub set you have on your wish list for a particular position?
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Jul 5, 2016 02:50
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Ah, I forgot about that, just like it's easy to hire electrical engineers if you substitute with civil engineers.
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Jul 5, 2016 02:51
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ohgodwhat posted:Lol, are you involved in trying to hire devs at all? Believe me, there isn't a glut of competent people at this point, and those coding boot camps aren't going to make more... That's not to say the $200k/year offers to new grads will remain forever, but one dumb kid isn't a bell weather The company I work for just hired several developers almost directly out of boot camp. They had a very brief period of interning somewhere else, I think. They're all very green, and I can't really tell how much actual programming they learned, but I feel like they're all smart and capable of learning what they need to know to do the job. It's worth noting that they went to boot camp for [language], and we do not use [language] at all in our department. I think the real value of the boot camp might have been in weeding out people who just weren't going to be able to learn the job, and not so much in teaching them to program. It's also worth noting that we got rid of a bunch of devs just before hiring these new folks, and management admitted that budget was part of the reason why. So, I hope Jmcrofts posted:Seriously, it is REALLY hard to find skilled devs right now. is true so I can find work when the new hires get up to speed, and the company fires the one of me who earns as much as two of them.
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Jul 5, 2016 03:50
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Totally agreed that good people can come out of boot camps, but it's not the boot camp that makes them good candidates, at least in my experience.
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Jul 5, 2016 04:03
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Centripetal Horse posted:The company I work for just hired several developers almost directly out of boot camp. They had a very brief period of interning somewhere else, I think. They're all very green, and I can't really tell how much actual programming they learned, but I feel like they're all smart and capable of learning what they need to know to do the job. It's worth noting that they went to boot camp for [language], and we do not use [language] at all in our department. I think the real value of the boot camp might have been in weeding out people who just weren't going to be able to learn the job, and not so much in teaching them to program.
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Jul 5, 2016 12:59
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I've helped with those types bootcamps several times, just getting people who can show up every day for a few weeks is the hardest part. It's amazing, we offer to pay people $20 an hour to teach them super hip technical and biz dev skills which would then lead to a full time salary that is way higher than that after a few weeks, and even then like 1/3 of people would rather fake their own death then show up for eight hours stay relatively sober for that time. We had people who got paid for this training for the first time on a Friday (like 20x40=$800) and would disappear over lunch once they got that check and we'd never see them again. One guy apparently drove straight to the casinos and went on a bender, someone saw him there in the same clothes he was wearing on Friday the following week. People are flakey as hell, working as a hiring manager and helping out with those sorts of camps really makes you lose faith in humanity. I'm not sure how people do HR for decades. I don't really have a point, I guess managing to stretch $800 out across 4+ days at a casino is pretty GWM. Maybe it's just a Colorado thing, there seem to be way more drunks and addicts per capita around here than other places I've lived. Pryor on Fire fucked around with this message at 14:13 on Jul 5, 2016 |
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Jul 5, 2016 14:06
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I would imagine paying people $20/hour for that kind of training is super lowball. To be able to teach coding requires that you be a proficient programmer already, right? poo poo, I made $20/hr being a trainer for Tier 1 help desk call center monkeys. I would hope that teaching people how to code paid at least double that. E: VVV Oh, then you just have bad hiring luck. I will admit that doing training is exhausting though, my new hire training classes lasted 2-3 weeks and I was wiped out by the end of them. WampaLord fucked around with this message at 14:27 on Jul 5, 2016 |
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Jul 5, 2016 14:09
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No this is for entry level training, zero education or experience required. Lots of folks who literally have never worked anything besides food service/construction before, but have demonstrated some level of interest and aptitude in tech.
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Jul 5, 2016 14:19
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WampaLord posted:I would imagine paying people $20/hour for that kind of training is super lowball. To be able to teach coding requires that you be a proficient programmer already, right? They're paying the trainees, AIUI.
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Jul 5, 2016 14:27
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Subjunctive posted:They're paying the trainees, AIUI.  I am an idiot, I just read it the proper way.That makes way more sense. I was thinking of the coding bootcamps that people pay to go to.
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Jul 5, 2016 14:31
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Pryor on Fire posted:I've helped with those types bootcamps several times, just getting people who can show up every day for a few weeks is the hardest part. It's amazing, we offer to pay people $20 an hour to teach them super hip technical and biz dev skills which would then lead to a full time salary that is way higher than that after a few weeks, and even then like 1/3 of people would rather fake their own death then show up for eight hours stay relatively sober for that time. It's because you're selecting for flakes. Bootcamps attract people who are focused almost solely on the short term. At entry level, you're not getting experienced people just trying to add another skill to their resume, you're getting people who may or may not have interest and/or aptitude and are already the type who don't stick with things.
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Jul 5, 2016 14:38
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Wait I don't understand, why are the trainees being paid to go? Where can I get paid to learn technical skills? Normally I'd just assume your current job is paying for the bootcamp but it doesn't sound like that's what happening here. Plus bouncing on the training at that point sounds like a fantastic way to get fired.
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Jul 5, 2016 14:58
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They probably get a cut of your first year's salary or something like that in exchange for it.
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Jul 5, 2016 15:00
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Got any spots open for that paid training?
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Jul 5, 2016 15:15
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