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BeastOfExmoor
Aug 19, 2003

I will be gone, but not forever.

Saeku posted:

A bad plan from /r/pf

BWM: Not knowing that public libraries exist.

Also, s/he what MLM people dream about at night.

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Shame Boy
Mar 2, 2010

Haifisch posted:

Sounds like dude has a big problem with other people telling him what to do. I'm sure that'll work out swimmingly for his "become a bookkeeper->read a bunch of I Became Really Rich And You Can Too! books->??????->profit" plan.

It's adorable how hard he's bought into the american dream that he thinks he can just read books to become rich because he's a special snowflake who don't need no college professor tellin' him what to do :allears:

Switchback
Jul 23, 2001

I recently bought a bar in NYC and renovated it without getting the proper permits. A yelp reviewer noticed. If he reports me, what will happen?

quote:

A yelp reviewer made a particularly bad review of my establishment, and said that I needed permits for renovation, is this true?
This guy has put over $200k of renovation work into a bar in NYC without pulling any permits. He is angry he got a bad review on Yelp, saying his decor was cheap and gaudy and that there were no permits. The yelp reviewer shows up in the thread:

quote:

I was the poster of the review on Yelp. I'm actually uncertain as to whether or not the work done at this bar needed a permit, but the fact that the window was boarded up during the time that I heard power tools being utilized raised my suspicions. I'm not fully aware of the laws as such, so perhaps I was too forward in my review, but I do know that NYC is very strict when it comes to renovations, and this particular bar changed a lot of infrastructure with no permit.
When I went to the new bar, I noticed the renovations and thought the work was subpar. I also thought the decor was ugly. But I am afraid of being sued, hence deleting my review, since when things post to reddit, they become more public. Someone (most likely from reddit) messaged me on Yelp and directed me to this post, as did someone associated with the bar, thus I got scared and deleted my review and other posts regarding the bar. I also deleted my Yelp account, because when I saw posts regarding a potential lawsuit for defamation (though it seems like it couldn't happen), I wanted to distance myself. Since I'm a redditor, I decided to make a new throwaway and come here and explain my side. I don't know if the actual owner made this post, or someone who read my review wanted to have fun.
I do know that my neighborhood has a lot of local pubs, and the regulars venture to all of them. It's a tight knit community. So there is absolutely a chance that one of them is just having a good time with this. T, if this is you, I'm buying you a shot, because it's still hilarious.
I also know that yes, this bar has gaudy decor, is overpriced, and may have overlooked getting permits in order to open early. I was threatened via private message on yelp though, and am quite frankly afraid of reporting anything.
Feel free to ask any questions.

In another thread, OP gets mad at the Yelp review being full of lies:

OP posted:

Is this review defamation? Is there anything I can do to this jerk?
No, the truth is an absolute defense against defamation.
How is any of this the truth? My place is upscale and classy!
I don't see anything in it that is factually untrue. Seems like a lot of opinion and a few facts about the reasons behind permits and what not without going into specifics that would make it factually untrue
For starters, the gold couch in the back is classy, not gaudy! And the bar isn't made out of cheap wood!

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.

Switchback posted:

I recently bought a bar in NYC and renovated it without getting the proper permits. A yelp reviewer noticed. If he reports me, what will happen?

This guy has put over $200k of renovation work into a bar in NYC without pulling any permits. He is angry he got a bad review on Yelp, saying his decor was cheap and gaudy and that there were no permits. The yelp reviewer shows up in the thread:


In another thread, OP gets mad at the Yelp review being full of lies:

Bad With Money - For starters, the gold couch in the back is classy, not gaudy!

silvergoose posted:

Hey I found it on imdb

"L'homme qui murmurait à l'oreille des chevaux"

Much appreciated, but I think I prefer "One who speaks softly into the ears of horses"

monster on a stick
Apr 29, 2013

Moneyball posted:

Bad With Money - For starters, the gold couch in the back is classy, not gaudy!

Apparently this is a picture of the couch in question (confirmed by the person who posted the original Yelp review)

pig slut lisa
Mar 5, 2012

irl is good


Bad With Money - The gold couch in the back is classy, not gaudy!

e: whoops

silvergoose
Mar 18, 2006

IT IS SAID THE TEARS OF THE BWEENIX CAN HEAL ALL WOUNDS




Moneyball posted:

Bad With Money - For starters, the gold couch in the back is classy, not gaudy!


Much appreciated, but I think I prefer "One who speaks softly into the ears of horses"

Well right, I simply found the original French.

The english is much better as a title.

Subjunctive
Sep 12, 2006

✨sparkle and shine✨

ate all the Oreos posted:

It's adorable how hard he's bought into the american dream that he thinks he can just read books to become rich because he's a special snowflake who don't need no college professor tellin' him what to do :allears:

I got into finance without a post-secondary degree, but it took 20 years of career.

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.

ate all the Oreos posted:

It's adorable how hard he's bought into the american dream that he thinks he can just read books to become rich because he's a special snowflake who don't need no college professor tellin' him what to do :allears:

He reminds me of a dumber version of me when I was around 24ish. No degree (yet) and the idea that I could somehow hack my situation in to investing in real estate. It's a little hazy now, but I remember at least never considering any MLM/get rich quick seminars.

I didn't have the lovely negative attitude towards college though. I just thought I was a terrible student. I think that guy believes he has an inner Will Hunting waiting to come out.

BonerGhost
Mar 9, 2007

It doesn't sound like Granny is funding this little venture 100% and his family might not be monied enough to make it an inconsequential expenditure. Maybe it is better if he waits until he's a little older and pulls his head out of his rear end a bit.

Tars Tarkas
Apr 13, 2003

Rock the Mok



A nasty woman, I think you should try is, Jess.


Moneyball posted:

He reminds me of a dumber version of me when I was around 24ish. No degree (yet) and the idea that I could somehow hack my situation in to investing in real estate. It's a little hazy now, but I remember at least never considering any MLM/get rich quick seminars.

I was in college during the first dotcom boom and took the easy A finance class that had as one of the assignments to use the Yahoo stock picking game to pick stocks and then write about what you made/lost at the end of the semester, because of said boom I ended up making a ton of fake money in a short amount of time and thought stocks were easy ways for rich people to make tons of money, until i looked at it closer over the next year. Had I actually had a bunch of money to blow I might have gotten a swole enough head to dump it all into Flooz or Pets.com or some other boondoggle. This class did not mention index funds at all, and spent 3 days explaining compound interest and most of the class still had no idea how it worked. I got the A and never even took the plastic off of my book, which i sold back to the bookstore at a loss, so I guess I was still BWM.

MrKatharsis
Nov 29, 2003

feel the bern

monster on a stick posted:

Apparently this is a picture of the couch in question (confirmed by the person who posted the original Yelp review)



lol that is Slow Motion AF

Youth Decay
Aug 18, 2015

In which zaurg's wife is reincarnated as a horse trainer:
http://www.chronofhorse.com/forum/showthread.php?503874-trainer-running-business-out-of-barn-and-other-issues-experience-needed

quote:

Hi everyone. I am a longtime reader but first time poster but I am in need of outside perspective and advice for my situation. I am sorry if this is long. I really need perspective from people who might have more knowledge about similar situations. Thank you in advance.

Situation is I have been riding with a trainer who I like and respect very much. He is an outstanding rider and a good instructor but hasn't developed a name or reputation yet and is basically starting out and trying to develop a clientele after training under other trainers for years. Not too long ago he was asked to leave the barn he had been training out of and where I and a few other clients had been boarding and taking lessons/training. In our area finding a place to go to is very difficult and most of the barns are either owned or leased longterm by trainers who will not allow another trainer to come in and have their own program. This trainer does not want to be a part of another program anyhow and is adamant about having his own program and control over clients horses, etc.

A situation came up where I was able to find a barn and talk the property owner into allowing me to lease it. Us boarders could have found facilities to go board but not any that would allow him to come in and teach us let alone "manage" the clients horses. Anyhow, I took a huge leap of faith and leased this barn and invested quite a bit of money in it and making it look beautiful inside and out, put new footing and lights in ring, hired the best help, purchased all the equipment to make barn run smoothly. In short we invested a lot of money in this place and are taking a lot financial risk.
Here is my question what should the financial responsibility be for the trainer in this situation? There should be something correct? He has no overhead here at all and wants to pay nothing to the barn and keep lesson horses there for free. He does not have many clients, there are maybe 6-8 total and only 3 board with us as the others do not own horses to board. We had hoped this would allow him to expand his program and we would get more boarders to help offset expenses and see some benefit to us.. Unfortunately, his prices are so high it is hard to drum up new clients because of the expense. However, it is only the barn really suffering financially because he rides these horses most every day and packs 2-3 days a week with lessons at those prices, has 2 lesson horses that he pays us zero for and makes pure profit from all of it with zero overhead (we've done the math of approximately what he has coming in and I can promise its more then most make)

We have gone out on a limb to provide a place for him to be able to run his business out of, if we hadn't he would have had no place to go. We have bent over backwards to get it up and running and to provide the things that he wants but it seems like every single day I get a new list of wants these can range from items costing $10 to thousands of dollars. I am now at a point having done this is making it so I can no longer afford to lesson or show my own horse which is very frustrating, we are sitting out lessons and shows right now.

He wants to manage the feeding program for the barn horses and nixed the cheaper feed (but still good stuff, just more moderately priced) we had hoped to feed for the most expensive feed you can buy and we go through a ton of it, also feeding horses huge quantities of hay and is now asking that we provide supplements for certain horses as well as various supplies. He is unavailable for the most part to be there for vet or farrier and therefore I or my partner are having to take time off of work to do this. If anything is needed for the barn he refuses to help such as one day a boarder needed a specific bag feed that we didn't have on hand and although the feed store was 10 minutes from the barn he refused to get it and I had to leave work and drive 30 minutes to pick it up. That is one of many instances like this. Just not willing to do the simplest task in order to be helpful. He also uses others tack and supplies for his lesson horses/students and seems to refuse to purchase anything for himself, wants everything supplied...

We have attempted multiple times to sit down and meet about this and trainer makes sure he is never available to sit down and talk. Is very, very rarely ever there on weekends as he takes lots of trips. We recently had a very quick conversation in passing about providing some benefit to us who have taken on this barn and all of the expense but the answer was that he doesnt believe he should provide any money to the barn at all and that all the trainers he has spoken to say that asking for the barn to see some sort of financial benefit from the trainer is not reasonable and that its not how it usually works. He has actually suggested that he be paid by us. The trainers I know well enough to ask opinions of have told me that this situation is not fair to us at all and that trainers do usually contribute to the barn whether is is via a portion of lesson/training fees, a flat fee, or some sort of benefit to the barn owners. Im just getting worn out with this. I would appreciate advice and experience from anyone who has dealt with having a trainer run a business out of your barn or who knows someone who has and how it was handled. I really want to be fair to the trainer but I also have to stay afloat here and would like to be able to show again myself. Thank you.

quote:

Thank you all and I so appreciate the advice and experience!! I have always owned my own private barn, then became a boarder later but I have never been someone who has boarded horses for others. Not smart to not have a contract, sadly I trusted this person and had a lot of respect for him too. I do believe this was a probable reason the last barn asked him to leave (quite sternly). Since I had only dealt with him as a trainer and as his client this was a new experience. There seems to be a huge issue with entitlement that we are seeing. He wants the best of the best of everything but wants it provided to him and if he does purchase something. Even if its for his own lesson horses he wants us to give him credit for providing it.
Yes, it is costing us about $8,500 to run the barn monthly. We have a substantial lease fee for the property as well as our hired barn workers which is one full time and two part time on weekends. His overseeing the feeding program has become a huge expense. While we strive to provide outstanding care it has gotten out of hands. We have some horses getting fed 1.5 bales of hay per day , all horses are eating 3 large meals except for the one very easy keeper. The feed was changed to a very expensive feed and most horses are eating large quantities and now we are being asked to supply supplements to the hard keepers, also supplies from very expensive meds, to fly spray, hoof conditioners, grooming supplies, saddle care and conditioners, thrush treatments, fungal treatments etc. He wants it all supplied by the barn and says it should be more then covered by our board, its not. So the monthly bill for feed/hay/shavings and barn supplies is over 3k.
Fortunately it seems the OP has seen the light and is finally giving ztrainer the boot.

TLG James
Jun 5, 2000

Questing ain't easy
What a bunch of pussies. The second time the dude blew me off, he would have been back on the streets.

So they rented a barn on their dime. And they let the dude run his training sessions out of it for free, including "lesson horses?" Now he's asking them to pay for horse supplements :lol:

Dude is GWM.

BonerGhost
Mar 9, 2007

xposted to the crappy construction thread:

guy sold his wife's daily driver to buy and convert a (evidently nonrunning) 1967 Econoline into a camper:

http://imgur.com/gallery/sg9FF

e poo poo I'm sorry, gnarly burns in the middle here :nms:

BonerGhost fucked around with this message at 04:23 on Nov 20, 2016

Dillbag
Mar 4, 2007

Click here to join Lem Lee in the Hell Of Being Cut To Pieces
Nap Ghost

NancyPants posted:

xposted to the crappy construction thread:

guy sold his wife's daily driver to buy and convert a (evidently nonrunning) 1967 Econoline into a camper:

http://imgur.com/gallery/sg9FF

:nms: for that radiator burn jfc

monster on a stick
Apr 29, 2013

NancyPants posted:

xposted to the crappy construction thread:

guy sold his wife's daily driver to buy and convert a (evidently nonrunning) 1967 Econoline into a camper:

http://imgur.com/gallery/sg9FF

BLACK CANVAS

The chicken wire adds class though, you have to admit

I wonder if he sleeps in that bed every night now.

Literally Elvis
Oct 21, 2013

Twerk from Home posted:

Prop taxes are about $1k/mo on an average house in Austin, TX for example. $1k/mo certainly doesn't feel extreme.

It's not even that bad. Austin's average home price is ~$250k, IIRC, and the cumulative property tax rate is ~2.2% (with homestead exemption), so the average household pays ~$5,500 in property tax.

Liquid Communism
Mar 9, 2004

коммунизм хранится в яичках

Renegret posted:

It bred me into the gambler I am today. The kind where I walk into a casino with a pre-determined amount of money that I am willing to and can afford to lose because I know drat well I'll never see it again, and my only goal is to make it last as long as possible.

Treating casinos like arcades, ie as places where you spend money for entertainment, is GWM. :)

HelloIAmYourHeart
Dec 29, 2008
Fallen Rib
Ask Reddit thread about the saddest return you ever processed while working in retail (mostly people returning baby stuff after a stillbirth)

quote:

A guy came in to a jewelry store and wanted help to find his wife something nice. Throughout the process he told me that they were having problems and he thought they were going to split up. He was lovely, but slightly weird for whatever reason. Anyhow, he bought her a diamond ring and left. Exactly two days later he returned, sad and asked if he could have a refund as she had split up with him. Turned out their problems were about how much money he was spending and so she wasn't exactly thrilled he had gone and bought her diamonds.

Guest2553
Aug 3, 2012


Mil-spec palletized horses on planes for when you need a horse in a hurry, or something.

Uncle Enzo
Apr 28, 2008

I always wanted to be a Wizard

Saeku posted:

A bad plan from /r/pf


I like how nothing on his reading list is anything like an organized learning program. "Learn Java in 90 Days" or "Everything you need to become a CPA" or somesuch. Nope, just books that talk about how all you need is the right mindset and bam! Those books aren't even trying to teach you anything useful, which is a shame because there are many many such books. Like, has this dude heard of Khan Academy? Learn some math, some programming, learn how to use some computer programs, practice for the LSAT, something. Read a textbook on Mesoamerican pottery. Even a misguided attempt might still result in learning something useful or at least interesting, even if not directly employable.

"How to start a business in <state>" <-- conspicuously absent from list

Maed
Aug 23, 2006



Don't worry, I talked to them when I saw the pony the other day and they're tourists from Minnesota.

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.
Well that's a horse of a different color.

Maed
Aug 23, 2006


Moneyball posted:

Well that's a horse of a different color.

Its mane was half dyed pink and it had bedazzled horse slippers on. Bad with fashion if nothing else.

Shame Boy
Mar 2, 2010

Did they take a plane? Did they bring their horse on the plane? Did the horse get its own seat? How do you fasten it's seatbelt for landing?

I have so many questions

BonerGhost
Mar 9, 2007

They're stealing my idea

Light Fields
May 8, 2008
Stumbled across this on Wikipedia and thought of you guys, and your love of horses and boats.

https://en.wikipedia.org/wiki/Horseboating_Society

BigDave
Jul 14, 2009

Taste the High Country

Light Fields posted:

Stumbled across this on Wikipedia and thought of you guys, and your love of horses and boats.

https://en.wikipedia.org/wiki/Horseboating_Society

Horseboating? Wow, that's gotta be the personal finance equivalent of a speedball.

Electrical Fire
Mar 29, 2010

BigDave posted:

Horseboating? Wow, that's gotta be the personal finance equivalent of a speedball.

I've got a great idea for a horseboating company where you pay to become a horseboating specialist and then you can sell licenses to your family and friends! Anyone want to co-sign a loan for me so I can get started?

canyoneer
Sep 13, 2005


I only have canyoneyes for you
Sorta bad with life choices but here goes:

Have a family member who makes bad choices. She is working part time at a restaurant, and has some sort of weird, uhh, thing on her finger due to an ingrown nail or something. It's huge, red, and swollen. Possibly infected. Probably an abscess.

She has insurance (through her parents) and called and asked how much it would cost if she went to the emergency room for it. It's pretty good insurance, but those visits are never cheap. Realizing that it would be actually expensive, she decides that she's going to instead look up a youtube video on how to lance it and drain it herself. Home surgery, great idea!

We advised that she call and talk to a normal doctor to get it treated, because it's probably beyond the realm of home treatment now and a regular doctor's visit will cost a fraction of what an ER visit would cost. She says she can't get an appointment, because whenever she calls to ask about it the offices are always closed.
Maybe if she rolled out of bed more than an hour before her 11 AM shift starts, she'd have more success reaching one on the phone but :effort:

She also wants to go the home surgery route too because she has been late/absent so much at work that she doesn't think she'll be believed if she has to take a morning off for a doctor's appointment. We told her she'll probably also get fired for handling people's food at Olive Garden with a giant, creepy pus-filled abscess on her finger but :shrug:
We also informed her that if it is infected and she doesn't treat it right, she could literally die.

This post brought to you by many failures of personal responsibility.

blackmet
Aug 5, 2006

I believe there is a universal Truth to the process of doing things right (Not that I have any idea what that actually means).
Something like that sounds made for the middle ground of Urgent Care. Cheaper than the ER, more responsive than the family practice

Volmarias
Dec 31, 2002

EMAIL... THE INTERNET... SEARCH ENGINES...

blackmet posted:

Something like that sounds made for the middle ground of Urgent Care. Cheaper than the ER, more responsive than the family practice

Pretty much this, something gross and painful but not life threatening like that is their bread and butter and the waits are typically not long.

Of course it sounds like she'll just ignore the after care and get it infected anyway, so really your sister is doomed, sorry.

BEHOLD: MY CAPE
Jan 11, 2004
Sounds like something called a felon or a paronychia, she should have it drained

Krispy Wafer
Jul 26, 2002

I shouted out "Free the exposed 67"
But they stood on my hair and told me I was fat

Grimey Drawer

blackmet posted:

Something like that sounds made for the middle ground of Urgent Care. Cheaper than the ER, more responsive than the family practice

Holy poo poo this. My wife works for a health insurer and Urgent Care is what their accountants masturbate to at 3am. The only good thing about high deductible consumer driven health care plans is that it's pushing people away from expensive ER visits.

CannonFodder
Jan 26, 2001

Passion’s Wrench

Electrical Fire posted:

I've got a great idea for a horseboating company where you pay to become a horseboating specialist and then you can sell licenses to your family and friends! Anyone want to co-sign a loan for me so I can get started?

I'm cashing out my 401k to get you going. My reverse mortgage will keep me afloat until the horseboat money starts raining down.


Edit: You should lease your first marina/barn and dump thousands of dollars on renovations that the property owner should have done in the first place.

CannonFodder fucked around with this message at 18:13 on Nov 22, 2016

pig slut lisa
Mar 5, 2012

irl is good


Was discussing holiday gift giving with a friend who grew up in a household that struggled with money and he shared this story:

"I remember one year when I was a teenager, money was really tight and I told my parents please don't get me anything, just save the money and I'll feel better, and instead they bought a ridiculously big stereo system for me that I never would have bought or asked for because it's way too big to use in our neighborhood, and then the power got cut off because they blew all the loving money on the stereo system, and then they had to pawn it a month later for like 5% of what they paid originally."

Guinness
Sep 15, 2004

Aw man, as BWM as that is it just makes me sad. :smith:

EAT FASTER!!!!!!
Sep 21, 2002

Legendary.


:hampants::hampants::hampants:

pig slut lisa posted:

Was discussing holiday gift giving with a friend who grew up in a household that struggled with money and he shared this story:

"I remember one year when I was a teenager, money was really tight and I told my parents please don't get me anything, just save the money and I'll feel better, and instead they bought a ridiculously big stereo system for me that I never would have bought or asked for because it's way too big to use in our neighborhood, and then the power got cut off because they blew all the loving money on the stereo system, and then they had to pawn it a month later for like 5% of what they paid originally."

Yeah but I bet he's GWM now.

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CitizenKain
May 27, 2001

That was Gary Cooper, asshole.

Nap Ghost
Internet of (Horse) things:
https://www.kickstarter.com/projects/903997910/the-connected-body-suit-that-watches-over-your-hor

Although talking to a friend to cares for a horse, she is super excited about this.

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