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Krispy Kareem posted:More like when you're going to die you go to a hospice or home instead of staying hooked up in a hospital because your family insists on every last effort. Old people do vote so this point can never be brought up in a national debate. Really, though, people should probably accept death and try for better quality of life than longevity. gently caress me if I end up clinging to life at 80.
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Dec 13, 2016 22:14
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Blinkman987 posted:Old people do vote so this point can never be brought up in a national debate. Really, though, people should probably accept death and try for better quality of life than longevity. gently caress me if I end up clinging to life at 80. Somebody post the derail bird but the problem with picking an arbitrary number like this is that it betrays the beauty and complexity of life at all ages. Sure if you're a deconditioned, bed-bound 75 year old you probably don't need a knee replacement... unless your bum knee is what's keeping you from enjoying your glory days, as is often the case in folks as old as 90. I've done knee replacements on 90 year olds who went on to have 5 or 6 John Glenn had one at this age, for instance although I obviously didn't do his surgery good years that they wouldn't have been able to enjoy without that intervention, and to make a sweeping generalization about what we should and shouldn't pay for based on a number that's as variable as life expectancy seems riddled with problems. That said, maybe if you want to get your knee replaced at 90 you should have to contribute more toward the cost of your care but then again, you've paid a lot for that policy in your life so it's a little problematic.
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Dec 13, 2016 22:21
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Removed from Reddit but kinda funquote:Hi everyone, I am currently a medical resident in my 3rd and last year before I start fellowship in Fall 2017. My salary next year will be roughly ~60k and my fiancee's ~90k. I currently have about 210k in student loans with an interest rate of 6.55% and am currently paying on a pay-as-you-earn payment plan about $300 dollars a month but do not think I will qualify for loan forgiveness. On top of all of this, I am getting married next year with an estimated budget of 70k. Once we get married, we are planning on moving into an apartment together or possibly buying a place with estimated monthly payments no more than ~2.2k. Her parents have been generous enough to help out their kids with a gift of 100k after they get married. We had assumed we would take that gift to help with our down payment for a house once I finish fellowship, but they are now offering to give the 100k now to possibly help with the wedding expenses. Our current plan to pay off the wedding expenses include us both saving over the next year, her taking a loan out of her 401k, and cash gifts from wedding attendees. So my question to you all is should we take the 100k now so as to not have to take a loan out of her 401k, or should we tough it out now and take the 100k later for the house?
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Dec 14, 2016 00:18
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Oh that seems reasonabholy poo poo!
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Dec 14, 2016 00:36
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lol stupid kind of money, good for them
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Dec 14, 2016 00:48
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Blinkman987 posted:Old people do vote so this point can never be brought up in a national debate. Really, though, people should probably accept death and try for better quality of life than longevity. gently caress me if I end up clinging to life at 80. Sounds sensible, at least until medical science puts out treatments offering more bang for the buck: https://www.calicolabs.com/
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Dec 14, 2016 03:32
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EAT FASTER!!!!!! posted:Somebody post the derail bird but the problem with picking an arbitrary number like this is that it betrays the beauty and complexity of life at all ages. Sure if you're a deconditioned, bed-bound 75 year old you probably don't need a knee replacement... unless your bum knee is what's keeping you from enjoying your glory days, as is often the case in folks as old as 90. I've done knee replacements on 90 year olds who went on to have 5 or 6 John Glenn had one at this age, for instance although I obviously didn't do his surgery good years that they wouldn't have been able to enjoy without that intervention, and to make a sweeping generalization about what we should and shouldn't pay for based on a number that's as variable as life expectancy seems riddled with problems. So what you're saying is to be fair we should just instate mandatory euthanasia at like 65, Logan's Run style. Bonus points for immediately solving every social security problem and giving everyone much more spendable income due to no longer needing to pay for that or put away for retirement, it'd be the biggest economic stimulus ever
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Dec 14, 2016 05:17
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Cockmaster posted:Sounds sensible, at least until medical science puts out treatments offering more bang for the buck: Also lol if you think immortality research, if successful, will go to benefit anyone but the ultra-wealthy due to astronomical treatment cost and probably intentional secrecy / exclusivity, at least within our lifetimes.
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Dec 14, 2016 05:19
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ate all the Oreos posted:Also lol if you think immortality research, if successful, will go to benefit anyone but the ultra-wealthy due to astronomical treatment cost and probably intentional secrecy / exclusivity, at least within our lifetimes. Not to derail or anything, but Toucans have a lifespan of about 20 years. EDIT: To close the loop, toucan anti aging cream: https://www.toucan.ro/product/unforgettable-anti-aging-cream/ They are about $30 each so probably bad with money
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Dec 14, 2016 05:23
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baquerd posted:Ask yourself who could possibly fight over your stuff or who you really want to try to give certain things you own to. If it's no one, well, I'm not sure what the point of a will is regardless of net worth. No idea about the US situation, but at least in NZ, if you die without a will and with decent assets it's often more expensive to administer your estate compared to dying with one. Also there are rules for who gets your assets that may not be what you'd expect or want (like if you're survived by a spouse and your parents, your spouse gets two-thirds of your estate and your parents get a third). Having a will allows you to appoint who you want as executor as well.
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Dec 14, 2016 08:12
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EAT FASTER!!!!!! posted:I need to make out a will one of these days. Should I wait until we've got a positive net worth? Even if you don't have a positive net worth, it's worth thinking about a living will, power of attorney, etc.
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Dec 14, 2016 08:54
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I've been in an extended estate administration battle over a family estate for nearly 20 years, and it's nothing you want any part of. GET A loving WILL, AND MAKE SURE IT'S AIRTIGHT.
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Dec 14, 2016 10:24
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ate all the Oreos posted:So what you're saying is to be fair we should just instate mandatory euthanasia at like 65, Logan's Run style. Bonus points for immediately solving every social security problem and giving everyone much more spendable income due to no longer needing to pay for that or put away for retirement, it'd be the biggest economic stimulus ever Quality of life skyrockets. People still find a way to make it worse.
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Dec 14, 2016 13:27
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Bastard Tetris posted:I've been in an extended estate administration battle over a family estate for nearly 20 years, and it's nothing you want any part of. GET A loving WILL, AND MAKE SURE IT'S AIRTIGHT. I got out of a messy one earlier this year after ~1.5 years, and that was long enough for me. Can't imagine 20 years 
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Dec 14, 2016 14:09
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https://www.reddit.com/r/personalfinance/comments/5i9wdi/my_5_month_old_house_is_killing_me_how_do_i_get/quote:I've owned my house for less than 5 months and already, its just taken a huge toll on me personally and professionally. I live further away so my commute is longer. I ended up taking in one of my friends as a roommate and it is ruining my life. I pay thousands of dollars every month so far in repairs (as well as supplementing my roommate's discount rent). I find the claim that the house is probably worth 50k-100k more than the OP paid for it fairly doubtful.
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Dec 14, 2016 14:09
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Bastard Tetris posted:I've been in an extended estate administration battle over a family estate for nearly 20 years, and it's nothing you want any part of. GET A loving WILL, AND MAKE SURE IT'S AIRTIGHT. But, the person who should have had the will doesn't have any part of it.
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Dec 14, 2016 14:10
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I want people to fight over my estate 
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Dec 14, 2016 14:15
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ohgodwhat posted:I want people to fight over my estate Off topic but that's a pretty balling user icon you've got there.
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Dec 14, 2016 14:18
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Spiffness posted:Removed from Reddit but kinda fun Did they not think to put that $100k towards the $210k in student loans?
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Dec 14, 2016 14:26
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BloodBag posted:Did they not think Yup
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Dec 14, 2016 14:27
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ate all the Oreos posted:Also lol if you think immortality research, if successful, will go to benefit anyone but the ultra-wealthy due to astronomical treatment cost and probably intentional secrecy / exclusivity, at least within our lifetimes. Given the potential demand, the companies making it would have a strong incentive to make it as affordable as possible - both for economy of scale and to avoid inciting a big-budget sequel to the French Revolution.
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Dec 14, 2016 14:58
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Chocolate Milk posted:No idea about the US situation, but at least in NZ, if you die without a will and with decent assets it's often more expensive to administer your estate compared to dying with one. Also there are rules for who gets your assets that may not be what you'd expect or want (like if you're survived by a spouse and your parents, your spouse gets two-thirds of your estate and your parents get a third). Having a will allows you to appoint who you want as executor as well. Really? I figured everywhere gave the whole estate to your spouse/kids by default. I don't think parents in the U.S. have any claim to their adult child's estate unless there isn't a spouse or kids. Bastard Tetris posted:I've been in an extended estate administration battle over a family estate for nearly 20 years, and it's nothing you want any part of. GET A loving WILL, AND MAKE SURE IT'S AIRTIGHT. Serious question, since it's been untouched for 20 years did the assets appreciate or is everything held in cash and slowly being eaten away by inflation?
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Dec 14, 2016 15:27
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BloodBag posted:Did they not think to put that $100k towards the $210k in student loans? Borrrringgggggg Here's a great one, this guy is so bad with money he made the news "The bank lent me $2m(by accident) so I spent it on strippers and cars" http://www.bbc.co.uk/news/magazine-38308842 quote:Luke Brett Moore, a young Australian, had just lost his job when he discovered his bank was mistakenly allowing him unlimited credit. It was too good an opportunity to miss. As he explains here, in his own words, he started spending and didn't stop - until one day there was a knock on the door.
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Dec 14, 2016 16:11
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^the assets could have been sold and the money is sitting in an account. Just imagine how messy the battle for Prince's estate is
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Dec 14, 2016 16:30
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Prince had no surviving children or a spouse, didn't everything go to his sister?
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Dec 14, 2016 18:09
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JUST MAKING CHILI posted:Prince had no surviving children or a spouse, didn't everything go to his sister? His sister and five half-siblings are the remaining claimants right now, there were more earlier in the process but it has been whittled down as it winds its way through court.
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Dec 14, 2016 18:13
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Bastard Tetris posted:I've been in an extended estate administration battle over a family estate for nearly 20 years, and it's nothing you want any part of. GET A loving WILL, AND MAKE SURE IT'S AIRTIGHT. My parents have been dealing with this over the past few years as my grandparents have been dying off, and my spouse's parents have been doing the same. Now that it's over with, my parents told me their gift to me and my siblings is an airtight will and trust, one of the conditions being that anyone that fights it in court loses all claims. After seeing what they and my in-laws have gone through the past two years, I can honestly say it's one of the nicest gifts I've ever received.
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Dec 14, 2016 19:33
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Chocolate Milk posted:https://www.reddit.com/r/personalfinance/comments/5i9wdi/my_5_month_old_house_is_killing_me_how_do_i_get/ My advice would br for him to hold onto it for another year so that hit sells for $150-$300k more than the buying price. Or maybe five years and rake in a cool million in profit.
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Dec 14, 2016 19:54
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https://www.reddit.com/r/personalfinance/comments/5icsww/188k_in_student_loans_several_questions_about/quote:So my girlfriend (24) of 8 years now went to school, changed majors twice and took 5 yeas to graduate. She received a BA in Illustration and ~$188k in student loan debt.
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Dec 14, 2016 23:09
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Oh, that poor couple. Those private loans ain't ever getting PSLF'd.
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Dec 14, 2016 23:16
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Barry posted:https://www.reddit.com/r/personalfinance/comments/5icsww/188k_in_student_loans_several_questions_about/ Choice response by the OP: quote:Yeah she discovered UpWork a little but ago. She did a children's book called Tercules (turkey + Hercules). Only $400, for what has amounted to about a month+ of work. Seems to be a trend on sites like that, everyone pays like trash. It is definitely good for her portfolio, just the only income in about 3 months. I have a great idea for a children's book for her to illustrate, we'll call it "Just wait till we're diamond"
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Dec 14, 2016 23:19
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A thread that comes up with wacky illustration ideas to submit to those sites would be awesome, and I bet could find sponsors.
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Dec 15, 2016 00:27
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Thanks gig economy, literally everything can be socially commoditized at arm's length with the right startup including illustration of stupid children's books
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Dec 15, 2016 00:28
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Subjunctive posted:A thread that comes up with wacky illustration ideas to submit to those sites would be awesome, and I bet could find sponsors. This except make it Fiverr because you'll get the most hilariously low-effort garbage back
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Dec 15, 2016 00:35
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ate all the Oreos posted:This except make it Fiverr because you'll get the most hilariously low-effort garbage back No, I want a skillful, painterly interpretation of "the Simpsons couch scene, but with the skeletons of birds".
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Dec 15, 2016 00:36
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BEHOLD: MY CAPE posted:Thanks gig economy, literally everything can be socially commoditized at arm's length with the right startup including illustration of stupid children's books It's kinda like those scenes from movies depicting the 1800s where a factory boss would go "OK... I have FIVE JOBS available" and a giant crowd of people would be all "OHOH I'LL DO IT FOR A PENNY" except the apps conceal all the distasteful imagery and it all happens in the background so we can pretend like we have low unemployment.
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Dec 15, 2016 01:26
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Roylicious posted:It's kinda like those scenes from movies depicting the 1800s where a factory boss would go "OK... I have FIVE JOBS available" and a giant crowd of people would be all "OHOH I'LL DO IT FOR A PENNY" except the apps conceal all the distasteful imagery and it all happens in the background so we can pretend like we have low unemployment. it's in Bioshock Infinite too only taken to its conclusion https://www.youtube.com/watch?v=4AVihhOrVUI
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Dec 15, 2016 01:39
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Roylicious posted:It's kinda like those scenes from movies depicting the 1800s where a factory boss would go "OK... I have FIVE JOBS available" and a giant crowd of people would be all "OHOH I'LL DO IT FOR A PENNY" except the apps conceal all the distasteful imagery and it all happens in the background so we can pretend like we have low unemployment. lol it's not even the movies, this is basically how the construction industry operates with day labor. there is undoubtedly a street corner or storefront near you where this occurs with varying degrees legailty and agency middleman involvement. I am surprised there isn't like some kind of loving Tinder for construction foremen to swipe right and left on workers to hire for the day
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Dec 15, 2016 03:40
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BEHOLD: MY CAPE posted:I am surprised there isn't like some kind of loving Tinder for construction foremen to swipe right and left on workers to hire for the day I have been pitched this exact company. "We only need an Android app, because the workers can't really afford iPhones."
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Dec 15, 2016 03:43
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BEHOLD: MY CAPE posted:Thanks gig economy, literally everything can be socially commoditized at arm's length with the right startup including illustration of stupid children's books https://twitter.com/LukewSavage/status/806947315315396612
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Dec 15, 2016 05:12
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