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JollyPubJerk posted:severance is a big thing that's taken pretty seriously if you have a respectable career Didn't your career use to be announcing Heroes of Newerth games from your grandmother's basement until you got laughed out of that?
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Aug 14, 2016 18:05
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Eldred posted:Didn't your career use to be announcing Heroes of Newerth games from your grandmother's basement until you got laughed out of that? As curious as I am about that, here is an imgur poo poo show: http://imgur.com/gallery/8wytV tl;dr: dude is living with his aunt for ~reasons~ when she seizes all his stuff, including a $5000 PC, and he's taking her to court on Aug 26 with the impression he'll be able to win and/or collect $15k.
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Aug 14, 2016 18:44
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quote:So I went to mommys with a car load of things, and the next morning called GameStop and had them email me my purchase history
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Aug 14, 2016 19:10
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NancyPants posted:As curious as I am about that, here is an imgur poo poo show: The biggest shame of the internet is that we'll never get the full story
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Aug 14, 2016 19:24
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Renegret posted:The biggest shame of the internet is that we'll never get the full story Nah we totally will. "I went to court and the judge was like 'Due your aunt is a oval office' and then she tried to turn her hair into snakes and turn the judge to stone and i chopped her head off with the highlander sword and then an eagle flew in the room and awarded me not just the 15000 dollars but a gold medal for badassery and then everyone stood up and clapped but i had to agree to seal the court records so thanks for following everyone."
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Aug 14, 2016 19:58
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NancyPants posted:As curious as I am about that, here is an imgur poo poo show: There's so much stdh.txt in that post. Yeah, the cop "kicked the door smooth off the hinges and kindly reminded her I'm allowed to come and go as I please to get my things for the next 45 days" pathetic little tramp posted:Nah we totally will. Exactly
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Aug 14, 2016 20:00
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pathetic little tramp posted:Nah we totally will. I'm more referring to his aunt's side of the story where the evil OP was a lazy slob who did nothing but sit at home and played video games all day, stole money out of her wallet, damaged the house, and was six months behind on rent. But your post made me laugh so thank you for that.
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Aug 14, 2016 20:01
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Today is terrible relative day:https://www.reddit.com/r/personalfinance/comments/4xo6jw/mother_in_law_who_doesnt_know_how_to_manage_money/ posted:Mother in law who doesn't know how to manage money and has large amount of debt (self.personalfinance) quote:We pay for her vacations, which are visits to her children. Her other kids are not remotely in a place to help her. We give them some small financial support as well. Too bad "buy a time machine, go back to her 20s, and kick some sense into her while she's still able to learn" is not an option.
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Aug 14, 2016 20:07
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Just something funny I saw in the comments on that post:
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Aug 14, 2016 20:07
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Renegret posted:I'm more referring to his aunt's side of the story where the evil OP was a lazy slob who did nothing but sit at home and played video games all day, stole money out of her wallet, damaged the house, and was six months behind on rent. This is probably the case. It's almost as likely that auntie is of the "I let you sleep under my roof, so I'm entitled to everything you own" persuasion. This is a pretty standard tactic of abusers. See also the, "I work hard so it's ok that I neglect my children to get blackout drunk five nights a week," and "I pay for everything for my kids, it's ok if I open credit cards in their name, they owe me," arguments. Everything about that post screams dysfunctional family.
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Aug 14, 2016 20:10
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lol @ the last several posts
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Aug 14, 2016 22:40
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Haifisch posted:Today is terrible relative day: Divorce might be a cheaper option than bankrolling his wife's family for 20+ years IMO
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Aug 14, 2016 22:45
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BWM In-Laws deliver yet again  I have posted about them before, basically they have close to no understanding of how to manage their money, which they have never had very much of due to 8 kids on a mostly single income. They purchased a rental 'investment' property in the early 00's but went in with so little capital that the rental payments did not cover the mortgage on it, let alone rates/insurance/maintenance etc. We finally persuaded them to sell the place and they got a small but tidy sum of money from it. At the same time, my father in law was made redundant at 70 and retired, getting a modest redundancy compensation sum. My in-laws had no retirement savings and were relying entirely on the very small state pension and my MIL apparently working 20 hours in a supermarket for the rest of her life. You'd think this influx of about $250k should help them sort out their retirement, right? Wrong! So far they've clocked up 1 overpriced tour of Europe down with 2 more planned, $50k of house 'upgrades', and they made the decision to transfer the remainder of the cash into their normal account so it is 'available to use' because they're 'so broke'. They're spending like they won the lottery and have zero comprehension that they're going to be even more hosed when the money is gone. I went back to university so we don't have the cash to bail them out anymore, so now we get to watch them go down in financial flames over the next couple of years. Fun.
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Aug 15, 2016 02:54
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It's sad to read but heaps of people spend a lot of money during retirement. Including a car that is supposed to last their entire retirement and so on. Hopefully they don't end up surviving on dog food in a couple of years.
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Aug 15, 2016 05:36
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On the bright side they are so practiced at being poor they are actually pretty good at surviving off not a lot - my MIL can magic up food out of nothing. But the whole idea of selling the house was that they would get the equivalent $$ per week from interest etc than what they would could have expected from the rental income (less all the associated expenses), so they wouldn't HAVE to live off nothing. I guess it has just proven beyond all doubt that their understanding of cash is limited to a boom/bust cycle of spend what you have when you have it. They have faith that God will handle the rest.
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Aug 15, 2016 06:29
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Haifisch posted:Today is terrible relative day: aww man, my wife could have posted that  (the situation is nearly identical, except we don't give her money, but just save up a budget line-item for the inevitable emergency, while we fret and hand-wring from afar.)
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Aug 15, 2016 07:14
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Tamarillo posted:On the bright side they are so practiced at being poor they are actually pretty good at surviving off not a lot - my MIL can magic up food out of nothing. But the whole idea of selling the house was that they would get the equivalent $$ per week from interest etc than what they would could have expected from the rental income (less all the associated expenses), so they wouldn't HAVE to live off nothing. I guess it has just proven beyond all doubt that their understanding of cash is limited to a boom/bust cycle of spend what you have when you have it. They have faith that God will handle the rest. I read somewhere that living poor for a long time completely changes your mentality in regards to money, and that 'saving it for a rainy day' is one of those things that just won't make the cut if you ever get a windfall because you're locked into the idea that every cent you get must be spent NOW NOW NOW to survive the next day.
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Aug 15, 2016 09:22
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Poor people spend any money they get because that way they get the benefit; otherwise it is simply taken away by bills or whatever. And there are always bills and debts for a poor person so they can't get over that barrier.
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Aug 15, 2016 12:27
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I'm watching Olympic horse dancing. The current rider is dancing the horse to the soundtrack to Rudy. The commentators said she worked as a hairdresser to support the horse (which he had forever) because she had to follow her dream of moving to Europe and becoming a horse dancer. 
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Aug 15, 2016 17:18
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Luigi Thirty posted:I'm watching Olympic horse dancing. The current rider is dancing the horse to the soundtrack to Rudy. The commentators said she worked as a hairdresser to support the horse (which he had forever) because she had to follow her dream of moving to Europe and becoming a horse dancer. I hope next time they have to cut a sport from the Olympics they get rid of wrestling so horse dancing can stay.
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Aug 15, 2016 17:24
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Get rid of wrestling? Blasphemy. Slaughter all horses.
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Aug 15, 2016 19:14
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http://mcmansionhell.tumblr.com/ This whole tumblr is an amazing collection BWM McMansions that will fall apart in a decade. Trashy taste is BWM. Sepherothic fucked around with this message at 19:46 on Aug 15, 2016 |
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Aug 15, 2016 19:40
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Simultaneous gwm and bwm: http://www.cbc.ca/beta/news/business/house-investment-wealth-1.3716641 $1mil between two people retiring in their mid-30s doesn't quite work
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Aug 15, 2016 19:49
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If they can fight lifestyle creep, it could work out.quote:They live on $30,000 to $40,000 a year, money that largely comes from dividend payments generated from their stock portfolio.
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Aug 15, 2016 19:59
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DuckConference posted:Simultaneous gwm and bwm: http://www.cbc.ca/beta/news/business/house-investment-wealth-1.3716641
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Aug 15, 2016 19:58
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I'm very curious what type of studio they have. To me that would be a unfun living situation, but if they like it, good for them!
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Aug 15, 2016 20:21
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moana posted:It does if they're only spending 30-40k a year (which is what they say in the article). The trinity study says a 4% withdrawal rate is fine, not to mention they could always pick up a little extra work if they ever thought they were heading in the wrong direction. e:f;b They mention they are picking up occasional freelance work, and they could pretty much just spend that income freely. They are ultra-GWM.
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Aug 15, 2016 20:37
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We need a spectrum definition for this thread of Ultra-BWM to Ultra-GWM and all the minutia in between.
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Aug 15, 2016 20:39
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VendaGoat posted:We need a spectrum definition for this thread of Ultra-BWM to Ultra-GWM and all the minutia in between. https://en.wikipedia.org/wiki/Autism_spectrum
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Aug 15, 2016 20:46
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quote:They married in 2010 and then took the next step: house hunting.
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Aug 15, 2016 20:46
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Bhodi posted:Doubling? +500k in 4 years?! The article implies it was all from investments but there's just no way Well, considering the S&P 500 is up ~86% in the past 5 years not counting dividends that's not crazy at all. If you had 500k invested and just left it alone it would have nearly doubled in the past 4 years.
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Aug 15, 2016 20:49
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Bad With Money, also Bad With Morality: Abusing your girlfriend while allowing her to manage all the household payments because you can't be bothered, thus making it easy for her to kick your violent rear end to the curb. I also posted this in the Schadenfraude thread. I'm sure this reddit post will be deleted soon so I copied it: https://www.reddit.com/r/legaladvice/comments/4xu0yy/my_girlfriend_elaborately_made_me_homeless/ "My girlfriend elaborately made me homeless" quote:Two years ago my girlfriend and I had a small DV incident where I hit her. It was wrong of me. I completely owned it and apologized. I was incensed about something I found on her phone but that is absolutely not excuse. She left for a few days but didn't call the cops. She eventually came back home. We finished out our lease and things were fine. We even moved to a better apartment earlier this year with the same landlord. My girlfriend insisted on handling the lease and making all the payments on everything, which is fine. I gave her the money for my half of the bills and keep asking her when I needed to sign the lease with her. She said there was no need and that the landlord hadn't required it. His later posts: quote:Is there no recourse for her doing this so elaborately. I would have signed the lease if I had known. She implied my name was on it. quote:I didn't agree to pay any rent is writing. We had an informal agreement we would just split everything, utilities, rent, food, etc. quote:It has been 2 years [since he hit her]. She could have left right after that. Not played me for 2 years and then elaborately left me in a bind. quote:I did it that one time two years ago. I admit to that. But she is jumpy and overreacts a lot. We were having a disagreement [last week] and she panicked and overreacted. The police who came out found no evidence of abuse because I don't abuse her. They just asked me to leave so we could both calm down. I asked her then if she wanted me to leave permanently, she said no. Honestly, there's too many awful ones for me to post. You should just read all his posts here yourself: https://www.reddit.com/user/tumanityaway
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Aug 15, 2016 20:49
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Guinness posted:Well, considering the S&P 500 is up ~86% in the past 5 years not counting dividends that's not crazy at all. If you had 500k invested and just left it alone it would have nearly doubled in the past 4 years.
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Aug 15, 2016 20:51
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God you're just such a jumpy irrational girl, assuming your known abusive boyfriend being abusive means he's abusive!
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Aug 15, 2016 20:55
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Bhodi posted:I must be missing the wave because my investments look nowhere near that, it also said they had a 60/40 split Well, they were clearly saving more money as time went on, probably north of $100k a year. In that light, their investments actually did pretty poorly to only go $500k to $1mm.
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Aug 15, 2016 20:56
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Parallel Paraplegic posted:God you're just such a jumpy irrational girl, assuming your known abusive boyfriend being abusive means he's abusive! I'd like to see the other half of that post, probably in r/relationships, where she details exactly how he acts and the posters there lay out the exact plan she did for maximum safe exit for her/hosed over for him.
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Aug 15, 2016 20:57
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Bhodi posted:I must be missing the wave because my investments look nowhere near that, it also said they had a 60/40 split Well I mean, if 60% of their $500k ($300,000) was in the S&P500 in 2010, it was at ~1,100/share. Currently that's 2,191, so they're up to $600,000 + whatever their bonds were worth. Assuming no bond growth at all, they got to $800,000 without contributing an extra penny. Anything they saved in 2011, 2012, and 2013 would have appreciated by a very large amount as well.
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Aug 15, 2016 21:12
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All my vanguard target funds are shielding me from the glory that is the 25% return per year, I guess. I think the 5 year was listed at 7%? I'm the BWM I guess; my overall since inception is under 4%
Bhodi fucked around with this message at 21:17 on Aug 15, 2016 |
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Aug 15, 2016 21:14
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Bhodi posted:All my vanguard target funds are shielding me from the glory that is the 25% return per year, I guess. I think the 5 year was listed at 7%? The target 2040-2050 funds are all about 36% international, which is poo poo and has been poo poo for the same 5 year time period (only up ~5%). Vanguard 2050 is still up ~50% in the past 5 years, though. Guinness fucked around with this message at 21:20 on Aug 15, 2016 |
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Aug 15, 2016 21:17
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Bhodi posted:All my vanguard target funds are shielding me from the glory that is the 25% return per year, I guess. I think the 5 year was listed at 7%? TR2055 was 19.64 on August 20, 2010, and it's 33.14 on August 12, 2016. That's up 69%, which is about 30% inferior to the S&P500's up 99%. Coincidentally, TR2055 is 30% International Stock! You're still doing really well; you just didn't perform as well as a "Only bought the winner" portfolio because you have a balanced portfolio that should perform better in the long run.
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Aug 15, 2016 21:20
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