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I wonder why the guy who buys a car once every three or four years did not negotiate a better deal with a team of people who do it dozens of times per week.
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Sep 18, 2016 21:43
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Humphrey Appleby posted:I think it's reasonable to have some sort of grace period. It's easy to make mistakes. OP was in a money crunch yet purchased a $34,000 car. Excuse me, a "$28,000" car with usurious financing. I have no pity. You can get a lot of car for under $20,000 in this country.
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Sep 18, 2016 22:05
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It's hard to sit down and think through long term implications and work out the math when you are standing there talking to a guy invested in you not thinking about this for very long who spends every day convincing people to listen to him. I do math every day, and I still sometimes struggle with a basic calculation for a tip when other people are waiting on me, and that's without someone pressuring me to make a decision. People aren't very good at thinking logically about numbers and money. We know this; there's an entire branch of social psychology devoted to it, but instead of using this knowledge to benefit individuals and offer some small element of protection (such as a grace period), businesses instead use this research to better understand how to exploit people's weaknesses.
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Sep 18, 2016 22:53
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Other people's lovely decisions finance my low interest rates and rewards credit cards. I'm cool with it.
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Sep 18, 2016 22:56
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potatoducks posted:Other people's lovely decisions finance my low interest rates and rewards credit cards. I'm cool with it. I couldn't agree with this more, and I wish we would give up trying to help the incurably stupid people among us. Seatbelts have existed for decades now, does my car really have to beep annoyingly if I don't wear it for 5 seconds because a whole bunch of idiots are still too stupid to put them on when they drive?
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Sep 18, 2016 23:01
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Stupidity is what drives the economy.
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Sep 18, 2016 23:12
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Stupid people deserve to have bad things to them so that smart people (like me) can benefit.
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Sep 18, 2016 23:17
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VendaGoat posted:Stupidity is what drives the economy. It certainly drives a lot of p2p loan applications. People often ask to go on a "well deserved holiday" with an application for $25k for 5 years. Or a woman gets divorced and applies for a p2p loan to get new tits at 20% interest.
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Sep 18, 2016 23:19
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There was a goon in YLLS that had a fitness log about taking DNP. Can't remember who but he was sleeping without sheets and an open window in the middle of winter or whatever. As I recall he went from fit to super shredded on it
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Sep 18, 2016 23:21
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Enfys posted:I do math every day, and I still sometimes struggle with a basic calculation for a tip when other people are waiting on me, and that's without someone pressuring me to make a decision. I just round up to an easy number that I know is greater than 20-25% because the difference is generally a couple bucks tops and waiting tables sucks rear end, I've always thought the people who calculate out an exact tip and leave like $5.27 or something are super weird
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Sep 19, 2016 00:11
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Parallel Paraplegic posted:I just round up to an easy number that I know is greater than 20-25% because the difference is generally a couple bucks tops and waiting tables sucks rear end, I've always thought the people who calculate out an exact tip and leave like $5.27 or something are super weird No no no please don't start this
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Sep 19, 2016 00:13
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You should only ever tip 20% at a horse wedding
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Sep 19, 2016 00:32
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I had a guy only tip me 10% at my horse wedding. I think that was pretty rude, but he said I was lucky to get one at all. People are so entitled.
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Sep 19, 2016 00:35
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Do the card payment machines in the states not have buttons to automatically add 15%, 20% or pick a %?
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Sep 19, 2016 00:41
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FrozenVent posted:Do the card payment machines in the states not have buttons to automatically add 15%, 20% or pick a %? This must be some "chip and pin" madness. We give the card to the waiter/waitress, they run it, they come back with a receipt where there's space to add a tip amount.
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Sep 19, 2016 00:43
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FrozenVent posted:Do the card payment machines in the states not have buttons to automatically add 15%, 20% or pick a %? Very, very rarely, and almost never at sit-down restaurants. I was amazed the last time I went to Canada and it was everywhere.
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Sep 19, 2016 00:49
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FrozenVent posted:Do the card payment machines in the states not have buttons to automatically add 15%, 20% or pick a %? It's becoming more of a thing, but still fairly rare
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Sep 19, 2016 01:31
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FrozenVent posted:Do the card payment machines in the states not have buttons to automatically add 15%, 20% or pick a %? I believe those autotip screens tip on tax. I never, ever tip on tax. BWM.
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Sep 19, 2016 01:51
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laxbro posted:I believe those autotip screens tip on tax. I never, ever tip on tax. BWM. BWM is living in a state where the sales tax is high enough to make a material difference in your tip. Even if you're in a terrible state that taxes like 10% on sales, on a $100 bill that's going to be $2 on a 20% tip.
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Sep 19, 2016 02:30
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I'm going bankrupt because of the machines - turns out I've been tipping ~17% all these years!
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Sep 19, 2016 02:39
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They're pretty much in all the places that have the card readers on tablets or whatever now though.
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Sep 19, 2016 02:39
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PCjr sidecar posted:BWM is living in a state where the sales tax is high enough to make a material difference in your tip. My favorite are the POS machines which have split functionality in the software but print the "easy tip amounts" on the bottom of the split receipt based on the total price. ($100 bill split 2 ways shows $20/20% on the $50 split bill.)
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Sep 19, 2016 03:43
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FrozenVent posted:Do the card payment machines in the states not have buttons to automatically add 15%, 20% or pick a %? I think I've heard that in other places, they bring a machine to the table and you pay that way? In the US, you give your credit card to the server and they run off to charge it, bringing you only a receipt where you have to do math and write in any additional tip. No interaction with any payment machine. Many smaller places now tend to use that Square pay system on a big iPad though, which does include a simple percentage button. You'll rarely see that at sit-down restaurant though, only places with a front counter or checkstand.
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Sep 19, 2016 03:44
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mastershakeman posted:There was a goon in YLLS that had a fitness log about taking DNP. Can't remember who but he was sleeping without sheets and an open window in the middle of winter or whatever. As I recall he went from fit to super shredded on it Jesus. I honestly thought i knew about every fat-burning anabolic but I'd seriously never heard of that. That's goddamned horrible stuff.
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Sep 19, 2016 04:45
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olylifter posted:Jesus. I honestly thought i knew about every fat-burning anabolic but I'd seriously never heard of that. That's goddamned horrible stuff. I've read stories about the stuff where people described it as having 25% as much energy/having to exert 4x more effort to complete the same ordinary tasks everyday. I think once I read a story where a dude took 600mg at once and literally laid in a tub full of ice cold water to prevent from having a heat stroke. I think some kid on Elitefts died from the stuff some time ago, I don't know if I can find the link easily. If you're a BB professional, I understand the appeal if you are knowledgable about its use but for basically everyone else you're playing with fire
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Sep 19, 2016 05:06
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I will tip on tax the day servers declare anywhere near 100% of their tips, and I say this as an ex-waiter and delivery person.
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Sep 19, 2016 07:47
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PCjr sidecar posted:BWM is living in a state where the sales tax is high enough to make a material difference in your tip. Then calculate your tip at a higher percentage while still excluding the tax.
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Sep 19, 2016 11:04
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canyoneer posted:No no no please don't start this
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Sep 19, 2016 13:24
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Stop loving arguing and post more quotes from reddit/your friends/other SA forums Do not talk about what you personally do with money
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Sep 19, 2016 14:40
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I see this ending about as well as any discussion about tipping:quote:Hi there. This is my first time visiting this sub, I was directed here by a friend who said you guys give amazing advice. https://www.reddit.com/r/personalfinance/comments/53eoma/is_buying_a_house_within_the_next_6_months_even/
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Sep 19, 2016 15:06
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Dwight Eisenhower posted:Stop loving arguing and post more quotes from reddit/your friends/other SA forums Unless you have multiple horses.
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Sep 19, 2016 15:07
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Just going to post the title of this because it's all that you really need to know:quote:Girlfriend of 5 years asked if I would sign on as co-owner of an LLC she is creating for her candle business. How would this affect me in terms of taxes and legality issues?
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Sep 19, 2016 15:09
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Dwight Eisenhower posted:Stop loving arguing and post more quotes from reddit/your friends/other SA forums Unless it's unequivocally BWM, then post away
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Sep 19, 2016 15:18
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Am I supposed to tip at a counter service restaurant? I never do, but those things have a HOW MUCH DO YOU WANT TO TIP usually, and I feel judged by the people in line behind me when I hit no tip.
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Sep 19, 2016 15:21
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The Mandingo posted:Am I supposed to tip at a counter service restaurant? I never do, but those things have a HOW MUCH DO YOU WANT TO TIP usually, and I feel judged by the people in line behind me when I hit no tip. I throw them a buck if I feel like it, but nah, you don't have to.
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Sep 19, 2016 15:24
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The Mandingo posted:Am I supposed to tip at a counter service restaurant? I never do, but those things have a HOW MUCH DO YOU WANT TO TIP usually, and I feel judged by the people in line behind me when I hit no tip. No, don't tip at a restaurant where there's no waitstaff. I will stand by this.
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Sep 19, 2016 15:24
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But do you tip a cab driver?  Please advise.
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Sep 19, 2016 15:26
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Enfys posted:I see this ending about as well as any discussion about tipping: I think a lot depends on where they live. In some parts of the country they could find a decent little place in the $50-75k range, which would be fine with that income and down payment. Some credit card debt, but not too out of hand. Her credit score is too low for FHA lending though, probably traditional lenders too I'd imagine.
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Sep 19, 2016 15:29
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This thread right now: https://youtu.be/Z-qV9wVGb38
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Sep 19, 2016 15:32
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| # ? Jun 5, 2024 07:48 |
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Moneyball posted:But do you tip a cab driver? Only if your expenses are reimbursed by your employer. Dat cashback. Please, take a $30 tip. You are a good person.
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Sep 19, 2016 15:34
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