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He didn't even read the post he was responding to, where it is obviously stated that he has no close friends or family which I'm pretty sure includes a spouse and children. But don't worry, be managed to load up on condescension before he posted!
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# ? Aug 26, 2016 13:58 |
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# ? May 30, 2024 14:14 |
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Weatherman posted:what the gently caress just happened GBS is leaking
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# ? Aug 26, 2016 13:58 |
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He told him to kiss his wife's entire rear end.
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# ? Aug 26, 2016 14:07 |
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I got "creep on your sleeping family" out of that, which I guess is not that bad a sentiment in general but i don't know why it's advice in this specific situation
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# ? Aug 26, 2016 14:23 |
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SpelledBackwards posted:He told him to kiss his wife's entire rear end. Don't kink shame.
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# ? Aug 26, 2016 14:25 |
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With like 30 new posts, I expected a conversation about what type of vehicle to use to drive to your horse wedding
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# ? Aug 26, 2016 14:36 |
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I still can't tell if this is the best or worst thread on SA.
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# ? Aug 26, 2016 14:42 |
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Moneyball posted:With like 30 new posts, I expected a conversation about what type of vehicle to use to drive to your horse wedding You obviously ride in a carriage. Pulled by other horses. With your newlywed horses in the carriage.
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# ? Aug 26, 2016 14:44 |
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Residency Evil posted:I still can't tell if this is the best or worst thread on SA. It varies not only by the day, but by the hour. There've been some good stories as recently as yesterday, but it's pretty bad right now
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# ? Aug 26, 2016 14:47 |
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Spermy Smurf posted:You obviously ride in a carriage. Pulled by other horses. With your newlywed horses in the carriage. I always wonder if those horses in downtown areas have more issues now that the average american is like 50 lbs heavier.
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# ? Aug 26, 2016 16:23 |
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acidia posted:I don't know, monopoly got a lot of things right about banks... like how the banker's sole goal in life is to steal every dollar they possibly can from the bank and gloat about it afterwards. You just need enough assets to cover a funeral. If you have the savings for that, then you don't need life insurance.
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# ? Aug 26, 2016 16:59 |
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NancyPants posted:I got "creep on your sleeping family" out of that, which I guess is not that bad a sentiment in general but i don't know why it's advice in this specific situation
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# ? Aug 26, 2016 17:00 |
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New thread title: "loving "lol", kiss my entire rear end"
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# ? Aug 26, 2016 17:09 |
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y'all are giving his irrelevant and insane ramblings too much attention, more stories please!
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# ? Aug 26, 2016 17:19 |
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TLG James posted:I always wonder if those horses in downtown areas have more issues now that the average american is like 50 lbs heavier. True story: I once worked a wedding venue in TX. One bride decided that she needed to pull up to the indoor ceremony outside in a horse-drawn carriage. This particular woman was rather overweight, and it was summer. In Texas. She had to sit in the carriage outside for like half an hour, and I think really regretted that choice. The staff had to keep bringing her cold bottles of water. Bad with wedding expenses.
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# ? Aug 26, 2016 18:26 |
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TLG James posted:I always wonder if those horses in downtown areas have more issues now that the average american is like 50 lbs heavier. Nathan Fielder has solved this problem, his business solutions are GWM. http://www.cc.com/video-clips/xvyhbs/nathan-for-you-horsey-rides-for-the-morbidly-obese
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# ? Aug 26, 2016 18:40 |
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Sic Semper Goon posted:Vendagoat has broken into his supply of amphetamines again. Meth! Meth for sale! Hey! You want some Meth? Meth here! Meth for sale! Yummy, Fresh Meth for sale! METH!
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# ? Aug 26, 2016 18:58 |
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Okay, here's how this works. First, I got pregnant in high school. Then! My baby's daddy decided not to leave his wife but he did stop being my guidance counselor. So none of my transcripts went to college. Now I'm going to take you through the next eight years in eleven seconds. Ready? Meth. Meth. Meth. Biker boyfriend. Dead cop. Technicality. Rehab. Jesus. Pharmacy assistant. MEEEEETH! Checkout clerk. Wave your food over this laser beam and put it in the bag. Do you HAVE any meth? No? Then we'll end on put your food in this bag. That's how this works!
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# ? Aug 26, 2016 19:10 |
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KingSlime posted:y'all are giving his irrelevant and insane ramblings too much attention, more stories please! Today for lunch I'm going to go get a starbucks mocha.
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# ? Aug 26, 2016 19:36 |
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Moneyball posted:Okay, here's how this works. First, I got pregnant in high school. Then! My baby's daddy decided not to leave his wife but he did stop being my guidance counselor. So none of my transcripts went to college. Now I'm going to take you through the next eight years in eleven seconds. Ready? Meth. Meth. Meth. Biker boyfriend. Dead cop. Technicality. Rehab. Jesus. Pharmacy assistant. MEEEEETH! Checkout clerk. Wave your food over this laser beam and put it in the bag. Do you HAVE any meth? No? Then we'll end on put your food in this bag. That's how this works! More horse stories, please.
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# ? Aug 26, 2016 20:37 |
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http://www.nydailynews.com/news/national/georgia-teen-spent-25k-man-money-sentenced-article-1.2145903 This winner 18 year old had $35k accidentally deposited into his account, which was destined for a guy of the same name. The bank contacted him pretty fast asking for the money back, but within 10 days he had already blown $25,000 on a bunch of crap, including a BMW. When the police came knocking he claimed that it was from an "inheritance" but also that he would work it out with the bank. He did not, and went to jail. Bonus: in one of the articles, his mom or some relative says the boy was naturally just "excited" and doing what anyone would do. Then she argues that if anyone is at fault, it's the bank teller, and that she'd do the same thing if she found extra money in her account. My favorite part of these stories is the mad rush to just waste it all in the most pointless way possible. Not, "better stash this somewhere and lay low and see if anyone notices" but "HOT drat!!! If I spend it all, they won't be able to take anything back, will they? " Jesse from Breaking Bad IRL, basically. Thesaurus fucked around with this message at 20:47 on Aug 26, 2016 |
# ? Aug 26, 2016 20:44 |
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H110Hawk posted:Today for lunch I'm going to go get a starbucks mocha. was it 5 or 6 dollars
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# ? Aug 26, 2016 21:21 |
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BWM: Investing any money in this company: http://www.bloomberg.com/news/articles/2016-08-25/plot-thickens-in-sec-case-of-a-35-billion-company-no-one-knows Bloomberg posted:The company said Zubkis asked for the leave due to concern that his continued involvement with Neuromama would embolden short sellers keen to drive down its shares. Zubkis also cited a “crusade to bring his daughter’s murderer to justice” by persuading police to reopen the case, according to the statement.
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# ? Aug 26, 2016 21:42 |
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Thesaurus posted:Bonus: in one of the articles, his mom or some relative says the boy was naturally just "excited" and doing what anyone would do. Then she argues that if anyone is at fault, it's the bank teller, and that she'd do the same thing if she found extra money in her account. This is pretty much what a lot of people think being rich is. Spending a whole heap of money all the time. Brewster's Millions but with $35k.
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# ? Aug 26, 2016 21:46 |
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BraveUlysses posted:was it 5 or 6 dollars it was free from star rewards
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# ? Aug 26, 2016 21:57 |
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Devian666 posted:This is pretty much what a lot of people think being rich is. Spending a whole heap of money all the time. Brewster's Millions but with $35k. For pretty much anyone living hand-to-mouth, "being able to buy something nice" would be miraculous, and "saving money for when you really need it" usually means paying down a loan or some urgent bill and never having anything nice.
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# ? Aug 26, 2016 23:17 |
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H110Hawk posted:Today for lunch I'm going to go get a starbucks mocha. H110Hawk posted:it was free from star rewards Rewards programs, GWM? Thesaurus posted:My favorite part of these stories is the mad rush to just waste it all in the most pointless way possible. Not, "better stash this somewhere and lay low and see if anyone notices" but "HOT drat!!! If I spend it all, they won't be able to take anything back, will they? " Something something poor people learn to love for today something always bills something Also, Jesse spent all of that money as a way to try to find a way to plug the giant hole in his heart, never succeeding, not quite the same thing.
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# ? Aug 26, 2016 23:31 |
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Cocoa Crispies posted:For pretty much anyone living hand-to-mouth, "being able to buy something nice" would be miraculous, and "saving money for when you really need it" usually means paying down a loan or some urgent bill and never having anything nice. Fools! Financial security is literally the nicest thing anyone can have.
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# ? Aug 27, 2016 00:44 |
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Danknificent posted:Fools! Financial security is literally the nicest thing anyone can have. But they'll never have that no matter what they do, that's the point.
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# ? Aug 27, 2016 01:58 |
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What have your parents taught you about money? MilleniumBuc posted:How bankruptcy works. meade18 posted:My dad did really well for himself working in upper management in a family business. He made himself invaluable to them so much so that when he finally left to work for himself, they kept him on as a consultant and he spends 6 weeks a year working for them making what I make in a year at my job. But he is horrible with all the money he made. He has very little retirement savings. His current job (the business he co-owns) pays him a salary, but I don't think it makes much of a profit that he can collect at the end of the year. He says he's building a lot of equity and the business will be worth a bunch when he wants to retire and sell, but it's not really a liquid investment. Even with essentially two salaries, he and his wife spend nearly all of it. He had very little liquid savings. Just a few pieces of real estate. Almost no equity, but they are cash flow positive. I have no idea where all his money goes. There's this guy... sclantw posted:A while ago I got my epiphany when my professor told me her parent started a mutual fund for her and taught her how to invest and save when she was in high school. That made me realize that my parents were financially illiterate. That begged the reply: rufflesinc posted:that would your mom right? he replied with this: sclantw posted:When I am mad at my mom, that's what I call her. LOL donsho posted:Don't recall my parents actually teaching about money so I learned by watching...watching them unabashedly squander every cent they made, and then some. I recall one experiment they ran back in the '70s, to see how many credit cards they could possibly get. You can guess the result. But while I have lived -more or less- a modest lifestyle and saved my money throughout my adult life, they're continually having their last laugh; never having put away a cent, my parents find themselves with more money now than they had during their working lives, largely due to my father's pension from his civil service career. So it's still new cars and restaurant dining every day for them while my wife needles me because we've never taken a cruise... HKnight posted:My father made a lot of money trading stocks in the 80s. A proponent of technical analysis, he believed that he could predict a stock's future movements by looking at a chart of its past movements. He lost a lot of money over the next three decades trading stocks. To this day, he continues to trade and becomes hostile whenever I suggest that his success was due to luck and a bull market. He remains hostile to the idea of benchmarking his performance against an index, and when I finally convinced him to let me track his top 5 current "best" trades a few years ago, when his performance started to lag the index by about 10% over the course of a few months, he stopped telling me about his trading activity. Had it not been for my mother reining him in over the years, I suspect he would have bankrupted the family several times over.
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# ? Aug 27, 2016 02:51 |
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Phone posted:1997 Subaru Legacy Outback - Probably had cruise Hell, the entry-level Jeeps these days don't even have AC as standard.
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# ? Aug 27, 2016 03:42 |
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I forgot the best part if Georgia kid'so wild 10 days. They busted him because he went back to the same bank to withdraw more money.quote:donsho posted: So they were reckless with money and now have more than ever, while their loser son toils and saves but never gets to take a cruise? Also lol @ "needling wife"
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# ? Aug 27, 2016 03:54 |
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I'm not sure if this is GWM or BWM, but I'll let you guys decide. My undergrad degree is in Finance. One year ago I took out a $15,000 refinance loan against my car at 2.75% for 60 months during a period of time that the S&P had JUST taken a hit (September 2015). With that money I paid off a loan on that same car of $10,000. The original loan on that car was for $23,000 at 1.25% for 60 months and about $407 monthly payments. Basically I intentionally committed two financial sins of both extending my period of payment and at a higher rate. This essentially increased my total interest payable by ~$620. It also lowered my monthly payment to $268. On September 14th, 2015 I invested the remaining $5,000 into an index fund calculating that I would need to net an annualized return of 3% to come out ahead (I had actually calculated this prior to taking out the refinance loan). Something I thought I could easily do, particularly given my understanding of the economy at the time. Since that date, my investment has grown by 10.9% and I am currently $75 from the break-even mark. Over the next four years this investment needs to average <.5% in order to break even with the original loan. If it continues to grow at my annualized modest target of 3% I will have covered the full cost of not just the refinance loan, but will have actually turned a tidy profit even with the interest paid on the original car loan factored in. Again, all of this I knew was possible prior to taking out the refinance loan. At the time I had posted this scheme because I wanted a sanity check that I hadn't missed anything. People told me I was really, really stupid to do this but no one could elaborate why. They were pretty adamant though. But since no one could elaborate why, refute my numbers, or provide externalities I hadn't thought of, I did it anyway. So, question. GWM or BWM? Boon fucked around with this message at 04:09 on Aug 27, 2016 |
# ? Aug 27, 2016 04:01 |
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SweetSassyMolassy posted:What have your parents taught you about money? My parents were pretty careful and smart about money so naturally I rebelled against them and racked up $7000 in credit card debt, aw ya fuk u dad
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# ? Aug 27, 2016 04:02 |
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Thesaurus posted:So they were reckless with money and now have more than ever, while their loser son toils and saves but never gets to take a cruise? More like "The American system used to be set up in a way where you didn't have to be very careful for your entire life to have a good retirement and now that seems like a comedic irony/cosmic injustice rather than the way things really should be for everyone"
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# ? Aug 27, 2016 04:07 |
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You gambled and won. You're lucky while being BWM. In my opinion.
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# ? Aug 27, 2016 04:09 |
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VendaGoat posted:You gambled and won. If that's the prevailing opinion, my question would be the following. Would you recommend that people pay down very low interest rate loans or invest for retirement if they're at no default of risk (not a large debt burden compared to income)? Because that's essentially what happened.
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# ? Aug 27, 2016 04:11 |
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Boon posted:I'm not sure if this is GWM or BWM, but I'll let you guys decide. My undergrad degree was in Finance. What if the market goes down? It's dropped by ~50% twice in the past two decades (2000 and 2008.)
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# ? Aug 27, 2016 04:12 |
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Boon posted:If that's the prevailing opinion, my question would be the following. They, being whomsoever reads this, will decide their own risk tolerance. And decide for themselves. You won kid, enjoy it. Many others are not so fortunate. Enjoy the Irony of the actor in this gif.
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# ? Aug 27, 2016 04:14 |
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# ? May 30, 2024 14:14 |
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Took some digging, but here's a pretty famous thread from Bogleheads about a guy who borrowed to invest in the stock market in 2008, continued buying all the way down, and ended up with a negative net worth of ~$200K. It's 29 pages so make some popcorn and pour yourself a beverage or two beforehand.
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# ? Aug 27, 2016 04:21 |