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drat Bananas posted:BWM: My family friend is redoing her house to sell in the crazy housing market, but when remodeling her kitchen ($$$$$) she decided that it doesn't need a place for a refrigerator! drat Bananas posted:Okay, here is my lovely mspaint depiction.. The countertops are something like this although I don't know the actual material. Cabinets are black, SS appliances/vent hood, and floors are vaguely this color. Now when you say "decided that it doesn't need a place for a refrigerator" was this an actual conscious decision? Or did they just completely overlook the fact that kitchens need a fridge and try to justify their fuckup afterward? I honestly can't even begin to comprehend the train of thought that leads someone to think that a desk should be included in a kitchen remodel over a fridge. Your mspaint skills are brilliant btw. e: seriously, I can't get over this. Not including a fridge in your kitchen remodel is as stupid to me as deciding to build an 8x8 free-standing drywall room to illegally sublet in your wannabe student apartment slum. e2: if for whatever reason you missed it, do yourself a favor and read through the Educated Idiots and inevitable homlessness thread from not that long ago. Teeter fucked around with this message at 23:57 on Aug 8, 2016 |
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Aug 8, 2016 23:44
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But it's okay, there's a space in the garage for one. She also removed all upper cabinets so there's just 2 big blank white beadboard walls, and only 2 standard sized cabinets under the kitchen sink. But everything is top of the line stone counter tops, stainless steel, etc of course. I believe she also got rid of a bedroom so it now only has 2. She's worked her rear end off and everything is aesthetically pleasing but poo poo, people need places to put their crap. I hope the market is nuts enough for some idiot to offer near what she's asking.
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drat Bananas posted:Okay, here is my lovely mspaint depiction.. The countertops are something like this although I don't know the actual material. Cabinets are black, SS appliances/vent hood, and floors are vaguely this color. That is so stupid. They're breaking the rules!  https://en.wikipedia.org/wiki/Kitchen_work_triangle
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Aug 8, 2016 23:45
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Mom: Honey, can you get the milk from the fridge? Dad: AGAIN? drat THIS ACCURSED HOUSE AND ITS LACK OF CONVENIENT COLD BEVERAGES *goes to fridge* *starts car* *closes garage door*
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Aug 9, 2016 00:25
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Solice Kirsk posted:So I may be BWM depending on what I decide to do. I left my old firm and joined a new one and inherited my old HSA. My new company doesn't use HSAs so I hvae nothing to transfer the old one into and the "management" fee for my HSA is $50 a...year (could be month, but I doubt it), which isn't terrible, but there is very little I am going to use it for besides the random $10 co-pay or deductible for my new insurance. I know I can just pull everything out of it and eat the 20% penalty and pay income on it and I'm actually thinking of doing it since this money is just going to sit there, doing nothing, forever until either the fees or ~$60 a year I'll be spending out of it kills the thing. A lot of places waive the fees if you have more than a grand in it. Do the research. Also, HSAs cover many things that health insurance usually doesn't. Like dental and LASIK.
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Aug 9, 2016 00:40
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The one time a kitchen reno previous to selling would be strongly suggested would be if the kitchen didn't have a fridge and instead had a desk built-in.
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Aug 9, 2016 01:13
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Dik Hz posted:Your HSA is portable, and you can take it anywhere. Do some research and find a good administrator that meets your needs. If you're young and healthy, you can put it with an administrator that lets you put it in mutual funds and treat it like a bonus IRA. It auto converts to a traditional IRA when you turn 65 anyway. Or put it in a low risk account and use it as part of your emergency fund. A frightening majority of things that necessitate using your emergency fund have a health component. Didn't even think of the LASIK angle. That would avoid the 20% penalty as well wouldn't it? gently caress, that's a great idea.
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Aug 9, 2016 02:01
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Guru says to live paycheque to paycheque, live for the now! http://www.zerohedge.com/news/2016-08-08/millennial-guru-urges-millennials-living-paycheck-paycheck-spend-now-save-later
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Aug 9, 2016 03:28
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Devian666 posted:Guru says to live paycheque to paycheque, live for the now! Just fyi this link browser-jacked my phone, so open with care.
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Aug 9, 2016 04:50
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paperchaseguy posted:Mom: Honey, can you get the milk from the fridge? Joke's on the trendy, fashion-forward home buyer who purchased a home with a garage fridge and of course only drives all-electric.
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Aug 9, 2016 08:27
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H110Hawk posted:The previous owners of our home remodeled the kitchen when they moved in and removed the dishwasher. Yeah, I think this is a lot more situation dependent than those articles let on. Take a bathroom addition for an example. You're going to get a whole lot less return on adding a fourth bathroom than adding a second.
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Aug 9, 2016 12:50
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We then had to move things around, add it back in, and it actually added countertop in the kitchen and made the whole thing feel larger.
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Solice Kirsk posted:So I may be BWM depending on what I decide to do. I left my old firm and joined a new one and inherited my old HSA. My new company doesn't use HSAs so I hvae nothing to transfer the old one into and the "management" fee for my HSA is $50 a...year (could be month, but I doubt it), which isn't terrible, but there is very little I am going to use it for besides the random $10 co-pay or deductible for my new insurance. I know I can just pull everything out of it and eat the 20% penalty and pay income on it and I'm actually thinking of doing it since this money is just going to sit there, doing nothing, forever until either the fees or ~$60 a year I'll be spending out of it kills the thing. start your own thread Posting "It's me, I'm BWM" in this thread (note to pedants: not literally) should be banishable.
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Aug 9, 2016 12:55
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I didn't feel a $4k HSA deserved its own thread. Plus I'm looking into LASIK now and thinking about getting "meaty-er" calf implants. Just really make those bad boys pop, you know?
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Aug 9, 2016 13:31
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The white makes the tan pop, the tan makes the white pop. Grobin loves for his ladies to pop.
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Aug 9, 2016 14:31
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Solice Kirsk posted:I didn't feel a $4k HSA deserved its own thread. Just open up your own HSA and rollover your old one, you don't need to be in an HSA-eligible plan to rollover or use your old HSA for medical expenses, you only need that for contributing to an HSA. Protip: your HSA can also be used for medical expenses of immediate family, regardless of their insurance, as long as they're not double-dipping on reimbursement.
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Aug 9, 2016 18:23
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https://twitter.com/EWErickson/status/763042933658513408?ref_src=twsrc%5Etfw
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Aug 10, 2016 04:18
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Aug 10, 2016 04:38
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You know that ship is sinking when Erick, son of Erick, is openly mocking you on Twitter.
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Aug 10, 2016 04:48
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2016 is boring in BFC. I miss the Forums User Who Shall Not Be Named.
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Aug 10, 2016 05:07
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Big surprise, we scared off all the bwm people seeking help and now it's just wealthy patricians discussing 401k allocations.
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Aug 10, 2016 05:21
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Jeffrey of YOSPOS posted:Big surprise, we scared off all the bwm people seeking help and now it's just wealthy patricians discussing 401k allocations. I just spent 10k on Kenny Loggins albums.
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Aug 10, 2016 05:27
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VendaGoat posted:I just spent 10k on Kenny Loggins albums.
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Aug 10, 2016 05:43
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GoGoGadgetChris posted:You can find your own HSA administrator, even if it's unrelated to your employer. I switched my old HSA to them. They charge $45 a year.
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Aug 10, 2016 05:48
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Jeffrey of YOSPOS posted:Big surprise, we scared off all the bwm people seeking help and now it's just wealthy patricians discussing 401k allocations. overdrafting my checking account is the only credit i qualify for
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Aug 10, 2016 05:53
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MrKatharsis posted:I switched my old HSA to them. They charge $45 a year. And a 0.25% custodial fee to top it off, yowch.
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Aug 10, 2016 05:56
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If you use an HSA for medical expenses regularly or otherwise don't intend to have lots of money around in it to invest meaningfully, you can find nearly free HSAs that will pay you savings account level interest.
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Aug 10, 2016 06:02
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Devian666 posted:Guru says to live paycheque to paycheque, live for the now! I don't see where it was actually said anything at all about living paycheck-to-paycheck. Yeah, the ticker says that, but the first guy just points out that lofty financial goals are within reach of younger generations if they save early. The "guru's" is talking about the popularity of FIRE in our current generation and the impact that the job-hopping culture is having on this generation; where (wealthy tech) people are entrepreneurial and hard working at a young age so they can "retire" and do what they love later in life. This is just ZeroHedge writing a click-baity article on a video they didn't bother to watch of a show whose producers are just milking the "lazy millennials" rhetoric that their target audience can't get enough of. Next week on Power Lunch: Millennial Lifestyle: Garage-Fridge
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Aug 10, 2016 06:12
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zero hedge is pretty much a buzzfeed-tier tabloid I mean looking at the page, who wouldn't want to read things like: - The Chilling Thing Twitter Just Said about San Francisco’s Office Bubble - Conversation With A Gold Veteran - Australia Customs Department Confirms BullionStar’s Analysis On Gold Export To China.
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Aug 10, 2016 07:48
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The Chilling Thing Twitter Just Said about Mr Freeze, the ice-themed supervillain from Batman And Robin.
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Aug 10, 2016 07:50
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The Chilling Thing About Being Pounded In The Butt By Dick Pound's Fiscal Icicle, the next bestseller from Chuck Tingle
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Aug 10, 2016 14:27
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That "cash out your 401k for bitcoin" ad has started to show up here. e: and it redirects here 
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Aug 10, 2016 14:40
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Good / Bad News for me. I have more personal BWM stories to share. My extended family is bafflingly bad with money. The only way I am kept safe from being constantly hit up for money is that I save about 40% of my paycheck, drive a shitbox, and live with roommates so they all think that I am poor. One of my Aunts told me that she knows it is hard out there because I have had the same car for 4 years. - My younger cousin is 28. He just got finished his first semester at a private art college that he "didn't have to pay anything for" to study automotive art (Ed Note: I have no idea what automotive art is). He is not going back for another semester and it turns out that he didn't have to pay for it because the financial office at the school "took care of it" for him. This means that he got a $3000 "scholarship" that he doesn't have to repay if he graduates and the school gave him a loan of 38k. He is now 41k in debt and his parents are hitting up the rest of the family to pay his student loans. He isn't paying his student loans because he needs to keep up payments on his leased 2016 Mustang.  - My Aunt works with a girl who sells "wraps" that are somehow supposed to make you lose weight. Not only are there wraps, but there are also wrap accessories. I have no idea what the logic is behind fabric making you lose weight, but apparently, my Aunt has been spending about $140 a month for almost a year on these. She has not lost any weight but keeps buying them. - My brother is an idiot and a heroin addict. He works part-time for a local business moving mattresses in the warehouse. He complains that the police profile him because he has tons of drug and "Piggy want a Donut?" anti-cop bumper stickers, so he has stopped driving his car. His boss lives about a mile from him and he has accepted a deal with his boss to get paid $2 less per hour in order to have his boss pick him up and drop him off. He still pays all the expenses for his car and will not remove the stickers because they cost money. Also still buying heroin. - My other cousin got a bank loan for an unknown amount and about $12k from family members to start her own brewing business. She didn't realize that you needed a license to sell it commercially, so she decided to practice without a license and sell it to her friends first. It has been about 5 months and she has just ended up giving away most of the beer to her friends and doesn't want to get a license to actually be able to distribute her beer because "it is bullshit to have to do that" and it "costs too much". No idea what is going to happen with her loan or the five figures worth of brewing and bottling equipment she bought. Leon Trotsky 2012 fucked around with this message at 15:11 on Aug 10, 2016 |
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Aug 10, 2016 15:09
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Leon Trotsky 2012 posted:- My Aunt works with a girl who sells "wraps" that are somehow supposed to make you lose weight. Not only are there wraps, but there are also wrap accessories. I have no idea what the logic is behind fabric making you lose weight, but apparently, my Aunt has been spending about $140 a month for almost a year on these. She has not lost any weight but keeps buying them. I've seen this before. It's a fabric thing you wrap around your torso, and supposedly "draws out toxins" to help you lose weight. Really, it just makes you sweat a bit so you'll lose a few pounds of water weight temporarily.
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Aug 10, 2016 15:29
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Super Dan posted:I've seen this before. It's a fabric thing you wrap around your torso, and supposedly "draws out toxins" to help you lose weight. Really, it just makes you sweat a bit so you'll lose a few pounds of water weight temporarily. It's also one of those scams where they measure you as fatter than you really are before you start and then skinnier than you really are when you finish your wrap. "Wow, you dropped three inches!" How those places have managed to stay relevant for 20+ years I have no idea. Leon Trotsky 2012 posted:- My younger cousin is 28. He just got finished his first semester at a private art college that he "didn't have to pay anything for" to study automotive art (Ed Note: I have no idea what automotive art is). He is not going back for another semester and it turns out that he didn't have to pay for it because the financial office at the school "took care of it" for him. This means that he got a $3000 "scholarship" that he doesn't have to repay if he graduates and the school gave him a loan of 38k. He is now 41k in debt and his parents are hitting up the rest of the family to pay his student loans. Could be worse. He could have stayed in school and had a degree in automotive art and $160k in debt. And I think that's automotive design, which is exactly what it sounds like. You design automobile exteriors and interiors. Which sounds pretty awesome, except it's kind of a niche field that probably has a lot of people already working in it.
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Aug 10, 2016 15:40
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Krispy Kareem posted:Could be worse. He could have stayed in school and had a degree in automotive art and $160k in debt. I prefer to imagine it as bespoke artisanal oil changing because that's funnier 
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Aug 10, 2016 15:43
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Super Dan posted:I've seen this before. It's a fabric thing you wrap around your torso, and supposedly "draws out toxins" to help you lose weight. Really, it just makes you sweat a bit so you'll lose a few pounds of water weight temporarily. Why would you need to buy accessories for them or keep buying new ones to the tune of $140 a month? It is incomprehensible to me.
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Aug 10, 2016 15:45
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Krispy Kareem posted:Could be worse. He could have stayed in school and had a degree in automotive art and $160k in debt. I think the entire auto design industry is probably staffed with real industrial designers, not "automotive art" degree holders. But yeah, very few people end up getting to work in that market. Maybe automotive art degree holders do stuff like CarHenge: 
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Aug 10, 2016 15:53
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Leon Trotsky 2012 posted:- My brother is an idiot and a heroin addict. He works part-time for a local business moving mattresses in the warehouse. He complains that the police profile him because he has tons of drug and "Piggy want a Donut?" anti-cop bumper stickers, so he has stopped driving his car. His boss lives about a mile from him and he has accepted a deal with his boss to get paid $2 less per hour in order to have his boss pick him up and drop him off. He still pays all the expenses for his car and will not remove the stickers because they cost money. Also still buying heroin. This is pretty incredible. I can't imagine moving mattresses in a warehouse part time is paying six figures so he has to be giving up a pretty sizable portion of his pay just to get back and forth to work. When he has a perfectly functional vehicle. Drugs are bad mmkay
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Aug 10, 2016 16:13
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Leon Trotsky 2012 posted:Why would you need to buy accessories for them or keep buying new ones to the tune of $140 a month? It is incomprehensible to me. It's one of those MLM schemes. https://www.myitworks.com/ Bonus: Personal testimonies from those who sucker the BWM http://www.myitworks.com/crazywrap/stories/
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Aug 10, 2016 16:14
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Barry posted:This is pretty incredible. I can't imagine moving mattresses in a warehouse part time is paying six figures so he has to be giving up a pretty sizable portion of his pay just to get back and forth to work. When he has a perfectly functional vehicle. Drugs are bad mmkay Driving a vehicle also costs a lot more than the cost of gas though so it really depends on whether these are 2 or 6 hour shifts. Either way it sounds like a very sad existence overall.
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Aug 10, 2016 16:19
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Barry posted:This is pretty incredible. I can't imagine moving mattresses in a warehouse part time is paying six figures so he has to be giving up a pretty sizable portion of his pay just to get back and forth to work. When he has a perfectly functional vehicle. Drugs are bad mmkay He could also remove the bumper stickers from the car, but clearly he's a man of principle.
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Aug 10, 2016 16:21
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