|
Moneyball posted:I know you're kidding, but that is uncalled for. http://mountaindew.wikia.com/wiki/Dewshine quote:When Mountain Dew was first created and was intended to be a whisky mix, it was described as having a flavor similar to that of 7-Up.
|
#
?
Jul 15, 2016 14:10
|
|
|
|
| # ? Jun 4, 2024 23:09 |
|
|
pig slut lisa posted:Is it even legal to ship alcohol to a foreign country workout a license? In the USA it is indeed illegal to ship alcohol without a specific liquor license, often something like "sale for off premises consumption." From there you get into the state-to-state (and muni-to-muni, see "dry counties") laws which all vary. Some states have very sane laws, IL, CA, and NY come to mind. Others require them to be shipped to a local license holder who finalizes the transaction, others it is all run by the state, and some it is flat illegal. Utah is a funny example where it is state liquor and on paper you can have the state liquor store handle the transaction for you, come in, and pickup your hooch while paying the appropriate local taxes. In reality I don't believe it ever works.  Dry counties are funny, because most of the Kentucky Bourbon production happens in dry counties/cities. They are however allowed to have tasting rooms which can give you 1/2 oz pours of up to 3 different spirits. It is tightly regulated, and if you go over it counts as a "bar" and you are risking losing your license. (BWM.) However you the consumer, in a sane state, can import liquor from a place allowed to sell it no problem. Thankfully the United Kingdom is awfully lax about this. If you ever see a 700mL bottle with a weird black circular sticker of startlingly high quality on it it is likely the refund sticker for the UK VAT stamp which is under that black sticker then it's an EU market bottle which has been imported. 750mL is US domestic market, because it's a fifth of a gallon. Take that EU, we get a free 50mL!
|
|
#
?
Jul 15, 2016 15:09
|
|
|
Blinkman987 posted:First potential BWM relationship experience!
|
|
#
?
Jul 15, 2016 16:38
|
|
|
And as many SASS members know or discovered last christmas, shipping booze is a nightmare in the USA but easy as pie in the UK so it's easier and cheaper to just go on amazon.co.uk and drop-ship it.
|
|
#
?
Jul 15, 2016 16:41
|
|
|
Blinkman987 posted:SO works for [gigantic tech company] in a senior position and rebuffs other gigantic tech companies that try to recruit the SO every few months. Literally turns down offers from Google. So, the money isn't a huge pinch and if the SO lost a job, there would be another job within a week. The thing is, if there's an economic downturn that causes your SO to lose their job, it can suddenly be very difficult to find a job everywhere else because they're also laying people off.
|
|
#
?
Jul 15, 2016 17:20
|
|
FateFree posted:Haha I worked at Hertz HQ for 8 years, it sure is a thing! I laughed when my manager told me he interned for a year AFTER college. drat. What is the attraction? What positions do these interns fill, and what valuable skills, connections, or whatever, are they gaining? Maybe I just have the wrong image in my head. I have the idea that working at a Hertz location in any capacity comes with a salary cap in the "not very good" range. I would assume there are some corporate jobs that pay OK, but is that where the interns wind up, or do the lucky ones wind up working 70-hour weeks on the lot for $42,000/year?
|
|
|
#
?
Jul 15, 2016 22:12
|
|
|
Industrial disasters are pretty bad with money. Last year a tension-leg platform was being installed in the Gulf of Mexico. This set up is that you build really really long pipes ("tendons"), jam them in the sea floor, and stick the platform on top. Well they were almost done constructing all the tendons when the loop current picked up. There are buoys on the tendons that keep it floating and they all banged into each other in the strong current and sank.quote:The multibillion-dollar project suffered a setback earlier this year when nine of 16 mile-long steel tubes designed to anchor it in place sank along with their corresponding buoys, which hold the tendons until they can be attached. The project already had been postponed for months because of strong Gulf loop currents, which delayed the towing of the platform to the Walker Ridge area. Billions of dollars wasted because the suits onshore decided to proceed rather than have another delay. The folks on the vessel knew it was a bad idea, they even made Chevron sign a liability waiver. Now they have this platform sitting back in Ingleside waiting until it can be installed, but they have to keep the generators and everything still running. The operating costs to have a platform "on" but non-operational must be a lot. Here is another article about it. It's great-with-money for me, because now they're bringing out the offshore meteorologist. Chevron blames McDermott for the mishap, of course, but everyone I am on the boat with says they knew they shouldn't have been working in the conditions and the call came from Chevron corporate. Switchback fucked around with this message at 05:24 on Jul 16, 2016 |
|
#
?
Jul 16, 2016 04:45
|
|
|
Centripetal Horse posted:drat. What is the attraction? What positions do these interns fill, and what valuable skills, connections, or whatever, are they gaining? Maybe I just have the wrong image in my head. I have the idea that working at a Hertz location in any capacity comes with a salary cap in the "not very good" range. I would assume there are some corporate jobs that pay OK, but is that where the interns wind up, or do the lucky ones wind up working 70-hour weeks on the lot for $42,000/year? My previous boss landed a corporate gig as a project manager, but you have to factor in the fact that he's one year of salary short of everyone else who just didn't intern. I knew one other guy but he was laid off in the outsourcing. The funny thing is right before our previous CEO got fired, he up and moved the entire headquarters from NJ to some random town in Florida (Estero?). He got 20% of the employees to relocate down there and got fired before the building was finished. Then about 4 months after it was finished, IT was outsourced. Before that happened, the work day was increased, spouse benefits were cut, holiday parties were cut, and work from home was cut. I can't stress enough that Hertz is a terrible company. But I think we live in a time where company loyalty is just no longer a thing, because they weren't even trying.
|
|
#
?
Jul 16, 2016 11:52
|
|
|
A friend experiences the joys of family:quote:My mom quit her job because she's been working there for 5 years and hasn't gotten a raise and because she works for a university and the state's budget for schools is getting cut so she won't be getting a raise this year either. 
|
|
#
?
Jul 16, 2016 14:19
|
|
|
gently caress, the "it'll work out" crowd just infuriate me because it often does but then there's that portion of the time they're completely hosed, and they never realize they're just gambling with their loving lives over completely frivolous stuff.
|
|
#
?
Jul 16, 2016 18:33
|
|
|
I was watching HGTV (on the airplane, I don't pay for cable!) and saw a show featuring a couple trying to live abroad in Morocco. The wife was the budgeter, and the husband simply said "I believe in the money fairy."
MrKatharsis fucked around with this message at 20:09 on Jul 16, 2016 |
|
#
?
Jul 16, 2016 20:05
|
|
|
ohgodwhat posted:gently caress, the "it'll work out" crowd just infuriate me because it often does but then there's that portion of the time they're completely hosed, and they never realize they're just gambling with their loving lives over completely frivolous stuff. Same. I had a co-worker who was a disaster. Three specific things I can think of: The Monday or Tues when she was a couple hours late for a shift and no one knew where she was. A call from the manager and a wiring of some funds later, we found out she had gone a few hundred miles away for a concert on Friday or Saturday and been unable to get home because she didn't have money for gas. The time she was telling me how hard it was to afford anything and I understood, because that's how I grew up. And then she got a large dog to live with her, her mother, and her two kids. That wasn't housebroken. In their apartment. Then there was the pickup she bought for $500 that she drove with no license and no insurance that also had a broken shift linkage, so she crawled under it in order to shift it out of park. I have no idea how she put it into park but I assume it involved a parking brake because it certainly involved no wheel chocks. I know she never chocked the wheels because after a few weeks she got run over doing this, and missed a couple weeks of work. Genuinely nice person, kind hearted without just being a pushover (at work at least), lovely circumstances with no really good choices, but still tragically stupid and I swear her daily life was a gamble.
|
|
#
?
Jul 16, 2016 21:21
|
|
|
Buying a house together before getting married? Check. Buying more house than they can comfortably afford? Check. Convoluted financial arrangements involving someone without their poo poo together? Check.https://www.reddit.com/r/personalfinance/comments/4t5p9y/need_help_asap_closing_on_house_on_wednesday_and/ posted:Hello personal finance,
|
|
#
?
Jul 17, 2016 04:26
|
|
|
Isn't the major point of divorce to disentangle your finances? If they're still dependent on each other, why did they pay for a divorce?
|
|
#
?
Jul 17, 2016 16:05
|
|
|
Yeah no kidding, how bad are cancelation fees for leases?
|
|
#
?
Jul 17, 2016 16:16
|
|
|
BraveUlysses posted:Yeah no kidding, how bad are cancelation fees for leases? You can't cancel a car lease. You either finish out the terms (or pay the full amount) or you get someone else to assume the lease. Those are your options.
|
|
#
?
Jul 17, 2016 19:21
|
|
|
Bad with money: panhandling for Cold Stone ice cream. We went to Cold Stone Creamery to use up a gift card. The guy next to us in line asked my husband for $2 because "he was a little short." My husband said no way, this is crazy expensive ice cream, there's a Rite Aid down the street if you want cheap ice cream. When the server comes back, the guy proceeds to order some fancy ice cream with an extra scoop, then asks my husband AGAIN for money when he gets up to the register and is counting out coins like "oh no, I don't have enough". What in the hell? When we refuse to pay for his super brownie sundae waffle thing, he leaves the counter and goes out to the street to beg passersby for money. He was still out there asking after we had finished our ice cream and left. Like, dude, you can get a half gallon of delicious Thrifty's ice cream for $3.50 if you just walk to Rite Aid.
|
|
#
?
Jul 17, 2016 20:02
|
|
|
Someone's watched Zootopia recently.
|
|
#
?
Jul 17, 2016 20:19
|
|
|
moana posted:Bad with money: panhandling for Cold Stone ice cream. Huh, this sort of happened at a Wendy's to me last week only it was a woman asking if I'd buy her a sandwich.
|
|
#
?
Jul 17, 2016 20:51
|
|
|
Blinkman987 posted:First potential BWM relationship experience! Still seems like a bad idea, even with all the caveats.
|
|
#
?
Jul 18, 2016 15:09
|
|
|
H110Hawk posted:However you the consumer, in a sane state, can import liquor from a place allowed to sell it no problem. Thankfully the United Kingdom is awfully lax about this. If you ever see a 700mL bottle with a weird black circular sticker of startlingly high quality on it it is likely the refund sticker for the UK VAT stamp which is under that black sticker then it's an EU market bottle which has been imported. 750mL is US domestic market, because it's a fifth of a gallon. Take that EU, we get a free 50mL! Also you get stronger whisky. Cheap stuff here is 37.5%, good stuff 40%, generally, and the bottom shelf stuff costs the equivalent of about $18 (would have been $16 before we welped our currency with Brexit).
|
|
#
?
Jul 18, 2016 17:08
|
|
|
moana posted:Bad with money: panhandling for Cold Stone ice cream. Actually, it sounds like that guy is pretty good with money. He found a way to get cheaper Cold Stone ice cream, because someone will probably give him the money eventually.
|
|
#
?
Jul 18, 2016 17:11
|
|
|
My Great Aunt died recently and I had never even really met her. My Aunt and Uncle got about $130,000 in inheritance. They told me this weekend that they are spending half of it on new cars, remodeling their kitchen, and a vacation for the family and investing the other half in some kind of precious metals brokerage that their financial advisor friend recommended to them. Apparently this company is really great, because you own the physical gold and silver and not just a certificate.
|
|
#
?
Jul 18, 2016 17:24
|
|
|
Leon Trotsky 2012 posted:My Great Aunt died recently and I had never even really met her. My Aunt and Uncle got about $130,000 in inheritance. If it's just fun money for them I see no problem with this. Not what I'd do with the investment, but at least it's being invested in general and not being spent on lotto tickets or high end flip flops or something.
|
|
#
?
Jul 18, 2016 17:49
|
|
|
Financial advisor "friend"
|
|
#
?
Jul 18, 2016 17:55
|
|
|
You don't happen to know what fund it is they were talking about do you? I'm super interested in it since they "own the physical gold." My brain just can't piece it together. Like do they receive precious metal dust in envelopes or something? Is it a stake in a mining company that pays dividends in metals? Besides it being just some dude selling stones out of a storage unit I don't know how this would be set up. Maybe the physical gold is being held in custodianship at a bank like a security typically would be, but how the hell would that relate to them "owning the physical" gold? Like can they just cash out and instead of getting cash get ounces of gold? Is it just a regular old precious metal mutual fund and they're misunderstanding how the securities are being held? I may be thinking about this too much.
|
|
#
?
Jul 18, 2016 18:48
|
|
|
My dad broke his back at work several years ago, and once all the legal drama was done, he had about $100k in settlement money. He was looking around for some way to invest most of it (GWM!), and apparently a guy at his bank was trying to sell him on some investment with a guaranteed return of at least 9%. Luckily I talked him out of throwing all his money away. I mean, sure, you can luck up and get a return like that, but the minute some jackass utters the world "guaranteed" you need to run screaming the other way.
|
|
#
?
Jul 18, 2016 18:57
|
|
|
Ornamented Death posted:My dad broke his back at work several years ago, and once all the legal drama was done, he had about $100k in settlement money. He was looking around for some way to invest most of it (GWM!), and apparently a guy at his bank was trying to sell him on some investment with a guaranteed return of at least 9%. Luckily I talked him out of throwing all his money away. I mean, sure, you can luck up and get a return like that, but the minute some jackass utters the world "guaranteed" you need to run screaming the other way. Technically an annuity is guaranteed. It's not a great investment because of all the fees, which would explain why the banker was so excited about it. People who had annuities in 2008 were doing pretty good while everyone else's investments tumbled. I'm sure those returns turned to poo poo when compared to even mediocre index funds after the market recovered though. Still, if you're risk adverse to a fault, an annuity is for you.
|
|
#
?
Jul 18, 2016 19:13
|
|
|
Solice Kirsk posted:If it's just fun money for them I see no problem with this. Not what I'd do with the investment, but at least it's being invested in general and not being spent on lotto tickets or high end flip flops or something. Yeah, my Aunt isn't quitting her job over it (she is a teacher's aide for special needs kids and my Uncle was a pipefitter, but has been on worker's comp or disability for the past 4 or 5 years, so this is definitely the most money they've ever had), but I am worried that they will end up overspending or getting scammed. They still have a mortgage that they are not paying off with this money, my cousin went to college for 2 years but got arrested for working on a pot farm in Vermont, dropped out, and lives at home now. I have no idea if his loans are paid off or what they are doing about that. Solice Kirsk posted:You don't happen to know what fund it is they were talking about do you? I'm super interested in it since they "own the physical gold." My brain just can't piece it together. Like do they receive precious metal dust in envelopes or something? Is it a stake in a mining company that pays dividends in metals? Besides it being just some dude selling stones out of a storage unit I don't know how this would be set up. Maybe the physical gold is being held in custodianship at a bank like a security typically would be, but how the hell would that relate to them "owning the physical" gold? Like can they just cash out and instead of getting cash get ounces of gold? Is it just a regular old precious metal mutual fund and they're misunderstanding how the securities are being held? I have no clue. I'll try to get it out of them the next time we talk. All I know is that they were very excited about all this money and their friend is handling all the gold investments. They have no retirement savings, because my uncle has some kind of pension from the pipefitters union and they withdrew the small amount they had in an IRA after the market crashed in 2009. They want to retire fulltime soon, so their friend said they needed a "safe" investment and gold always goes up. They were vey insistent that this was some kind of special deal because they owned the physical gold and the value of gold always rises because there is a limited amount and this was different than just owning a certificate. I've been helping them with lots of things in the past few years. Ever since my Uncle got on disability for his back he has been taking tons of pain meds and been on the internet all day. He is always talking about get rich schemes, investing in gold, and weird conspiracy theories about how the government has a weather control machine called HAARP. I usually talk them out of it, but they already committed to letting their friend take 75k and get them some gold.
|
|
#
?
Jul 18, 2016 19:19
|
|
|
Solice Kirsk posted:You don't happen to know what fund it is they were talking about do you? I'm super interested in it since they "own the physical gold." My brain just can't piece it together. Like do they receive precious metal dust in envelopes or something? Is it a stake in a mining company that pays dividends in metals? Besides it being just some dude selling stones out of a storage unit I don't know how this would be set up. Maybe the physical gold is being held in custodianship at a bank like a security typically would be, but how the hell would that relate to them "owning the physical" gold? Like can they just cash out and instead of getting cash get ounces of gold? Is it just a regular old precious metal mutual fund and they're misunderstanding how the securities are being held? Trying not to be disdainful as I type this is really hard. I know the typical target market and I really dislike the people who prey on their fears. e: yep, seeing "HAARP" in the above post makes me 100% certain they're the exact target market for the crazy goldbug stuff.
|
|
#
?
Jul 18, 2016 19:19
|
|
|
Leon Trotsky 2012 posted:Yeah, my Aunt isn't quitting her job over it (she is a teacher's aide for special needs kids and my Uncle was a pipefitter, but has been on worker's comp or disability for the past 4 or 5 years, so this is definitely the most money they've ever had), but I am worried that they will end up overspending or getting scammed. You should send them this link and tell them to look at the 30 year and tell you that gold "always goes up" http://goldprice.org/gold-price-chart.html
|
|
#
?
Jul 18, 2016 19:25
|
|
|
I once overheard one coworker tell another, who was asking for advice on buying gold, to only buy from places that mine their own. I have no idea why that would make any difference one way or the other (might be cheaper to buy? Better "security" for your "investment"?) but I wasn't going to ask either. This was years ago and at the time I basically did this, but about gold:
|
|
#
?
Jul 18, 2016 19:59
|
|
|
Buy gold if you are interested in it and have some extra money to throw it around. Don't buy gold if that's your secret investing weapon and/or you expect the world to collapse.
|
|
#
?
Jul 18, 2016 20:12
|
|
|
DACK FAYDEN posted:I believe it typically means that you can redeem your shares for physical gold at any point, rather than "owning certificates" - and it's used as an excuse to upcharge goldbugs for all it's worth. They wouldn't have anything other than pieces of paper, but if "the worst happened" they could trade those pieces of paper directly for gold, rather than owning a share of something that has a price based on the market price of gold that they'd only be able to trade in for its monetary value in boring old cash money dollars. OK. Ugh, that sounds terrible. Man, sometimes I wish I didn't have any ethics because there is a killing to be made with poo poo like that and "high potential" yield indexed annuities with like 30% 20 year surrender schedules being sold to retirees. poo poo like this is what finally pushed me to stop being an FA. I couldn't stand seeing clients I cared about and knew for years getting hosed by some fly by night salesman (or worse a relative or family friend) and then have them hide it from me so there is nothing I could do to help them fix the situation because "Jimmy said you'd be mad if we told you since you missed out on the commissions."
|
|
#
?
Jul 18, 2016 20:17
|
|
|
If everyone was GWM the economy would literally falter and stall out.
|
|
#
?
Jul 18, 2016 20:52
|
|
|
Not quite. There are GWM risks to be taken and economic activity is almost always more than the sum of its parts.
|
|
#
?
Jul 18, 2016 21:27
|
|
|
Found this fella on reddit: https://www.reddit.com/r/personalfinance/comments/4tgws9/family_of_3_living_paycheck_to_paycheck_what_can/ quote:I am a 24 year old male living in the northwest suburbs of Chicago in Buffalo Grove, IL in a 2 bed/2 bath apartment. I have graduated high school, and have not completed college. I am currently in my career for the 6th year, I am a dispatcher/forklift operator/accountant/safety/claims consultant/semi driver. I do pretty much everything at the transportation company I work at. I have a unemployed fiance, who is staying home to take care of our 2 year old daughter. We have tried to find her a job, however, her working for 9$ an hour does not justify the high daycare costs in the area. If we are to basically break even between the cost of daycare and her wage then I'd rather have my child be raised by her mother and do all the work. If that makes any sense? Talk about living beyond your means.
|
|
#
?
Jul 18, 2016 21:30
|
|
|
$500 a month at gas stations? And thats on top of $1300 a month in groceries. And he already filed for one bankruptcy. Talk about not learning a loving lesson.
|
|
#
?
Jul 18, 2016 21:45
|
|
|
Solice Kirsk posted:$500 a month at gas stations? And thats on top of $1300 a month in groceries. And he already filed for one bankruptcy. Talk about not learning a loving lesson. He later clarifies in a comment that only $200 is spent on gas. He's spending $300/mo on cigarettes, Red Bull, and Cheetos or god knows what else.
|
|
#
?
Jul 18, 2016 21:55
|
|
|
|
| # ? Jun 4, 2024 23:09 |
|
|
Oh, well that makes sense. I'd say the only things that he could cut out and still have any sort of decent life with his meager $72k income would be his cat and child. Was this presented to him? There's no need for him to not keep buying/using one bottle of cologne a month afterall.
|
|
#
?
Jul 18, 2016 21:58
|
|