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I was gonna say loan sharks and bookies. Brainwave.
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Jul 11, 2016 02:55
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Cash only car wash owners?
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Jul 11, 2016 02:56
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Virigoth posted:Cash only car wash owners? http://www.snopes.com/photos/animals/carwash.asp You're just asking to get robbed by birds
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Jul 11, 2016 03:26
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Zo posted:Yeah but at least some asian countries have high household saving rates, which puts them way ahead of the curve even if they suck rear end at actually investing (which basically everybody is). Yeah, the Japanese response to low interest rates is to put even more money in postal savings accounts with interest rates currently around .001 percent.
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Jul 11, 2016 04:59
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Powerlurker posted:Yeah, the Japanese response to low interest rates is to put even more money in postal savings accounts with interest rates currently around .001 percent. It's not completely outrageous to effectively have cash savings in Japan though, since their average inflation rate over the last decade is like -0.1%.
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Jul 11, 2016 05:08
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Dustoph posted:Is there a profession or field that is resoundingly GWM?
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Jul 11, 2016 05:30
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moana posted:I forget where I read it, might have been The Millionaire Next Door, but teachers are generally quite GWM in the sense that they don't spend themselves into debt and contribute more to their retirement plans than most other professions. Of course, they also chose a field where they aren't going to get paid very much, but you can't win em all! That's funny because while I haven't read anything about it, teachers were the first thing to pop into my mind. Unless you work during summer school, the average teacher gets paid 9-10 months out of the year here, and is by nature forced to budget that across 12 months. I imagine that many a young teacher hosed up and had a really rough summer, but probably learned from it.
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Jul 11, 2016 07:46
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Dustoph posted:That's funny because while I haven't read anything about it, teachers were the first thing to pop into my mind. Unless you work during summer school, the average teacher gets paid 9-10 months out of the year here, and is by nature forced to budget that across 12 months. I imagine that many a young teacher hosed up and had a really rough summer, but probably learned from it. Well, it depends; it's not uncommon to be able opt to receive your (reduced) salary spread out over the full 12 months.
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Jul 11, 2016 08:54
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Dustoph posted:That's funny because while I haven't read anything about it, teachers were the first thing to pop into my mind. Unless you work during summer school, the average teacher gets paid 9-10 months out of the year here, and is by nature forced to budget that across 12 months. I imagine that many a young teacher hosed up and had a really rough summer, but probably learned from it. If they don't pay you during the summer months I think you can collect unemployment as a seasonal employee, although that is getting cracked down on. I was substituting after getting laid off from my IT job and they managed to pull my unemployment after they retroactively reclassified me as an 'education employee' even though I was only working like 8 hours a week and wasn't even an employee of the school district (independent contractor status). But yeah, teachers do seem marginally better at handling money. Maybe it's those once-a-month paychecks. Although isn't the military paid once a month? So we can now definitely rule out once-a-month paychecks as a reason.
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Jul 11, 2016 14:15
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No, military is paid twice a month.
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Jul 11, 2016 15:13
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Remember guy with 320k in student debt? His girlfriend broke up with him. Girlfriend's post: https://www.reddit.com/r/BreakUps/comments/4s92y7/ex_making_me_feel_guilty_and_terrible_over/ Also in his comment history he said that maybe she's the gold digger for not wanting to support his rear end. This is before she broke up with him. What a guy.
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Jul 11, 2016 16:08
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Coworker. "Hey you know that Left Right Center game, where you start with three dollars, roll 4-sided dice for each dollar, send them randomly left, right, keep, or into the final pot for whoever ends up with money left? I was thinking...you could spice it up by doing it with $1 scratch tickets instead! Ooooor $2 scratch tickets!" I decided to tell him it sounds like an unplayable game from a design perspective, instead of BWM + BWM from a money perspective.
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Jul 11, 2016 16:10
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Inept posted:Remember guy with 320k in student debt? His girlfriend broke up with him. Girlfriend's post: https://www.reddit.com/r/BreakUps/comments/4s92y7/ex_making_me_feel_guilty_and_terrible_over/
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Jul 11, 2016 16:24
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That girl dodged a massive bullet, holy poo poo.
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Jul 11, 2016 17:55
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quote:If she chose to leave me over money, then probably she would choose to leave me if I became incapacitated as well. And someone that shallow is not someone I'd want to be in a relationship with anyway. Thank God that poor woman got out!
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Jul 11, 2016 18:17
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lol he removed the post and locked the thread
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Jul 11, 2016 18:24
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Good for her, better to rip that band aid off quick
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Jul 11, 2016 18:34
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Zanthia posted:The next generation will probably be more afraid of AI. They'd be right to; 14 INCH would decimate 'em.
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Jul 11, 2016 18:39
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Inept posted:Remember guy with 320k in student debt? His girlfriend broke up with him. Girlfriend's post: https://www.reddit.com/r/BreakUps/comments/4s92y7/ex_making_me_feel_guilty_and_terrible_over/ Also she didn't dump him, she told him that he had to get his act together before their relationship proceeded. Sounds like she was willing to try to make it work IF he pulled his head out of his rear end. He proceeded to dump her and start vindictively playing up a relationship with some other woman less important in his life. Total bullet dodge!
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Jul 11, 2016 18:50
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silvergoose posted:Coworker. LCR is pretty much a game to play when you're just sitting around drinking. It's really common at bonspiels, where whoever scoops the pot buys a round of drinks. (So if you play and lose, you got a drink for $3, and if you win you... might get some change back if some people like cheap drinks or if you're able to get pitchers of beer or something instead of individual drinks.) It's Bad With Money, Good With Curling.
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Jul 11, 2016 19:37
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We play LRC at my girlfriends family gatherings and I always seem to win as the total outsider. What is suppose to be a fun little game for everyone turns into some serious tempers flying and getting $$ for eyes. Good Wtih Money Bad With Family
George H.W. Cunt fucked around with this message at 21:48 on Jul 11, 2016 |
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Jul 11, 2016 21:46
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Inept posted:Remember guy with 320k in student debt? His girlfriend broke up with him. Girlfriend's post: https://www.reddit.com/r/BreakUps/comments/4s92y7/ex_making_me_feel_guilty_and_terrible_over/ Lol. He's the kind of person who runs up $320,000 in debt and thinks it's other people's fault, and she's the kind of person who pukes and "cries for days" and misses work at the thought of other people's debt. They were not made to go the distance.
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Jul 12, 2016 23:16
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I think it's more the idea that she wasted years of her life on what seemed to be a viable long term relationship until very recently.
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Jul 12, 2016 23:25
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This is why I have men bring their most recent tax returns and statements to our first date 
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Jul 12, 2016 23:30
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Mocking Bird posted:This is why I have men bring their most recent tax returns and statements to our first date And STI test results.
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Jul 12, 2016 23:50
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NancyPants posted:And STI test results. I misread the new homebuying thread as "horse" and thought it was the Bad With Money thread. Mods, please make this happen.
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Jul 12, 2016 23:57
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Mocking Bird posted:This is why I have men bring their most recent tax returns and statements to our first date A former co-worker of mine "joked" about having pulled former girlfriend's credit histories back in the day.
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Jul 13, 2016 02:44
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Dwight Eisenhower posted:Also she didn't dump him, she told him that he had to get his act together before their relationship proceeded. Sounds like she was willing to try to make it work IF he pulled his head out of his rear end. She did dodge a bullet, he's a complete piece of poo poo. He spent a lot of time lying to her and calling her a gold digger on reddit. If he didn't think the debt was that bad then he would have never concealed it from her.
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Jul 13, 2016 03:17
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When does salary usually come up in talks? The last two I dated brought it up pretty early-- within 3 months-- but both had jobs where one would assume that someone was in the 80-140K range. So, them bringing up an actual number wasn't actually revealing that much other than confirmation of "Yeah, I'm doing great." I think I brought up my debt, or lack thereof, within 6 months and they had a general idea of my salary, though I never shared specifics on salary until I'm planning to move in with someone. Edit: I've also found that this is a very recent mid-30s thing, the bringing up of salary/debt. Before that age, I guess nobody cared and we thought we'd live forever. Blinkman987 fucked around with this message at 07:03 on Jul 13, 2016 |
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Jul 13, 2016 06:58
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Makes me wonder what I should do. I make less than my I don't have 320k in student loans and live like I expect my income to go up 50%, but I think I'll wait.  I'm 32, so I should be making some decent money now.As long as I don't wind up doing anything worthy of posting here or r/personalfinance, I should be alright. Moneyball fucked around with this message at 13:50 on Jul 13, 2016 |
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Jul 13, 2016 13:43
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Blinkman987 posted:When does salary usually come up in talks? The last two I dated brought it up pretty early-- within 3 months-- but both had jobs where one would assume that someone was in the 80-140K range. So, them bringing up an actual number wasn't actually revealing that much other than confirmation of "Yeah, I'm doing great." I think I brought up my debt, or lack thereof, within 6 months and they had a general idea of my salary, though I never shared specifics on salary until I'm planning to move in with someone. My only rule is "definitely before we live together." Other than that, it tends to come out naturally as you talk about your lives and goals.
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Jul 13, 2016 15:10
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Blinkman987 posted:When does salary usually come up in talks? The last two I dated brought it up pretty early-- within 3 months-- but both had jobs where one would assume that someone was in the 80-140K range. So, them bringing up an actual number wasn't actually revealing that much other than confirmation of "Yeah, I'm doing great." I think I brought up my debt, or lack thereof, within 6 months and they had a general idea of my salary, though I never shared specifics on salary until I'm planning to move in with someone. I'm probably just more open than most but it comes up naturally within a few weeks of me seriously seeing someone. That also may be because right now I'm not making 100K a year though 
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Jul 13, 2016 16:36
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IllegallySober posted:I'm probably just more open than most but it comes up naturally within a few weeks of me seriously seeing someone. That also may be because right now I'm not making 100K a year though Same here. Being able to talk about money with someone I might live with or marry was too important not to bring up early. I think I talked to my husband about it within a couple weeks but we got engaged after about 6 months sooooo I'd expect to hear about it within a month or so for normal people?
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Jul 13, 2016 17:07
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I would imagine it varies based on the age you both are when you meet. My wife and I started going out in undergrad and I can't recall ever talking about money with her then. I have to imagine it would be different if I were doing the dating scene now, though.
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Jul 13, 2016 17:34
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I usually mention it on the second or third date, whenever the conversation rolls around to talking about careers. It never hurts to casually mention "I'm not burdened by crippling amounts of undischargable debt", particularly because I have a graduate degree and that might give girls the wrong impression. Nothing specific, and it is also worth mentioning because their response tells me something about how they deal with money.
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Jul 13, 2016 18:01
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It came up exactly once and that was when I got engaged. Every other relationship I've had it has never come up and I doubt it will until I get engaged or move in with someone again. I'd say right before moving in would be when it has to come up. You'd think opening a joint checking account would be another time, but my old roommate didn't think that one warranted it. Their breakup was a hilarious dumpster fire.
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Jul 13, 2016 18:04
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I only found out about the car loan my wife co-signed for an ex-boyfriend after we got married. That was fantastic. I hope he enjoyed driving that car as much as I enjoyed paying it off.
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Jul 13, 2016 18:56
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Sepherothic posted:It never hurts to casually mention "I'm not burdened by crippling amounts of undischargable debt"
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Jul 13, 2016 18:59
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Star War Sex Parrot posted:That'll get her wet. People underestimate how attractive it is to be in your late-20's early-30's and have your poo poo together. You know, all together in a little pile with a sign sticking in it that says "I don't have any baggage". Putting it out there is just saying you're free to go have fun and contribute equally to a relationship. After all, nobody wants to date someone that has a noose around their neck.
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Jul 13, 2016 19:47
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In the land of the indebted the broke man is king
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Jul 13, 2016 20:04
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