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Lysandus posted:BMW: me? For most cars, buying new works out to be about the same value as buying used as long you plan on driving the vehicle into the ground either way. Some classes of vehicles are clearly better to buy used (like luxury cars), and some are clearly better new (i.e. the Honda Fit). Most other cars fall pretty much in the middle. I haven't looked at the truck market, but it's most likely not as bad of a financial decision as some people might imply. If you're the type of person who has to get a different car every 3-5 years, however, it's better to buy used. The biggest advantage to buying new is needing to replace your car less often.
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Jan 9, 2017 22:14
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WampaLord posted:Not asking and not knowing leads to people getting screwed over in salary negotiations. Another way to keep the working man down. Yeah being ashamed of how much you make or talking openly about money is a really horrible cultural thing that needs to be stamped out and thankfully basically everyone in my generation that I know thinks it's completely bullshit and only serves to reenforce power structures that gently caress you over.
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Jan 9, 2017 22:15
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Nail Rat posted:Business in the US has spent generations building a stigma around sharing salary information because sharing that information helps labor and cuts into the profits of the stakeholders. Many places will fire for it or at least make it sound like you'll get fired for it despite doing so being illegal, because how are you going to prove in court that that's the reason (if you can even afford to bring the case to trial)? My company is nice enough to write down in several places, signed by executives, that you're not allowed to discuss salary with other employees so at the very least I can bring all those documents to the NLRB and go "uh yeah guys look at this bullshit" if it ever comes up.
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Jan 9, 2017 22:17
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Empress Brosephine posted:i wouldnt buy anything before 2016, that was the previous generaiton so it'd be harder /expensive to get replacement parts for it. 2016 was the first year they did a refresh. Those Tacomas were the same for over a decade. You will never not find parts for them. Also older cars tend to have cheaper replacement parts. Not saying you shouldn't buy a new car. Inept fucked around with this message at 22:21 on Jan 9, 2017 |
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Jan 9, 2017 22:17
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Lysandus posted:BMW: me? Can you afford a new Tacoma while still meeting your other financial goals? If so, then go for it!
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Jan 9, 2017 22:30
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Ornamented Death posted:Can you afford a new Tacoma while still meeting your other financial goals? Of course, just look at that low monthly payment!
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Jan 9, 2017 22:33
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I Like Jell-O posted:For most cars, buying new works out to be about the same value as buying used as long you plan on driving the vehicle into the ground either way. Some classes of vehicles are clearly better to buy used (like luxury cars), and some are clearly better new (i.e. the Honda Fit). Most other cars fall pretty much in the middle. I haven't looked at the truck market, but it's most likely not as bad of a financial decision as some people might imply. I ended up buying a new Tacoma in 2014 because it was only marginally cheaper to buy used plus a pain in the rear end to even find one. They don't stay on the lot for very long, and they seem to hold their value pretty well.
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Jan 9, 2017 22:33
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ate all the Oreos posted:My company is nice enough to write down in several places, signed by executives, that you're not allowed to discuss salary with other employees so at the very least I can bring all those documents to the NLRB and go "uh yeah guys look at this bullshit" if it ever comes up. There's no law against telling employees to not discuss salary. In fact, there's no law against telling employees that you'll fire them for discussing their salary. There is a law against actually firing someone for discussing their salary, but good luck proving that you weren't fired for showing up 1 minute late instead. Always discuss your salary with coworkers but only when you're not at work and only when there's no management around.
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Jan 9, 2017 22:34
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I don't know where we landed with Costco chat, but in CA you can buy Alcohol there without a membership card. I think it varies state to state, but if you walk up and tell them you're buying alcohol they'll let you in. I've had a couple of experiences where employees don't know the rules, but it's never been a major hassle. EDIT: Works in the following states: Arizona, California, Connecticut, Delaware, Hawaii, Indiana, Massachusetts, Michigan, Minnesota, New York, Texas and Vermont. Source: https://consumerist.com/2009/01/05/hey-you-can-buy-alcohol-at-costco-and-sams-club-without-a-membership/ Bugamol fucked around with this message at 22:40 on Jan 9, 2017 |
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Jan 9, 2017 22:37
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You should make sure to tell all your coworkers what you make, and find out what they're making. I started a week after another kid at a lumber yard, I was making 10/hr. After a couple weeks he asked me what I was making and from his reaction it was a lot less. Apparently he went to the boss and got on some kind of plan to increase his pay gradually to match what I was at least making. I was super uncomfortable at the time because obviously there was the threat of me being retaliated against, and I was p. sure he wasn't making what I was, but it all worked out. He had the info to get paid more, I kept my job, I later found out what I was doing was protected by law. If you haven't told your coworkers what you make, you're gimping them in salary negotiations.
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Jan 9, 2017 22:49
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Co-workers or people in your field is one thing. Random other people that do something totally different is a very different. It's not like there aren't other ways to determine what you should ask for from your employer.
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Jan 9, 2017 22:53
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Uncle Enzo posted:You should make sure to tell all your coworkers what you make, and find out what they're making. I started a week after another kid at a lumber yard, I was making 10/hr. After a couple weeks he asked me what I was making and from his reaction it was a lot less. Apparently he went to the boss and got on some kind of plan to increase his pay gradually to match what I was at least making. I was super uncomfortable at the time because obviously there was the threat of me being retaliated against, and I was p. sure he wasn't making what I was, but it all worked out. He had the info to get paid more, I kept my job, I later found out what I was doing was protected by law. Same story happened to my coworker. He signed on as an apprentice, and when he was fully hired on they gave him a pay raise, but not much. We got to talking about education because we both had Master's degrees, and that talk turned to salary. I was comfortable with it because of the above discussion, and so was he, and he realized he was getting seriously screwed - when they gave him the pay bump for becoming an employee, they gave him the Bachelor's rate. He contacted payroll and got that fixed, and I think they even started some retroactive payments for the half year that he should have been getting.
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Jan 9, 2017 22:53
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i have a 2016 tacoma it's great and all but yeah high payment hence my posts earlier. that said, i dont like the look of anything pre 2016 but i would probablyu suggest looking into a Chevie Colorado also. Those things are nice and p reliable.
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Jan 9, 2017 22:53
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Exactly. People helped me with my professional development a lot and I don't mind helping those trying to find their footing with powerful info that can help them leverage a fair deal. If you disagree I can't help but think you're a selfish and insecure rear end in a top hat. You don't honestly believe it's in the interests of keeping a positive work place, you're just a turdnugget.
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Jan 9, 2017 22:54
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melon cat posted:The answer is lots, and lots of truck loans. Here in Canada we're seeing what happens when the economy craps itself and poor people with big truck loans lose their jobs: lots of truck loan defaults. I live in Newfoundland and I have been predicting this for years. When the arse fell out of oil/gas and especially with the fire in Fort Mac last fall we have seen a dramatic uptick in personal bankruptcy. Another user posted about needing some serious perspective, and while I agree with them I have somewhat little sympathy for a lot of people in these situations. You work in a volatile industry - some savings would have been appropriate.
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Jan 9, 2017 23:07
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ate all the Oreos posted:Of course, just look at that low monthly payment! I dunno, assuming a $20k* loan at 1.5%** over 60 months, that's $350 a month. Not cheap, but it's also nothing compared to buying a new Tundra or F-150 or similar. *Base model Tacoma retails for about $25k - maybe don't buy a new car if you can't toss down a decent chunk as a down payment. **Definitely don't buy a new car if your credit isn't good enough to get a sub-2% interest rate.
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Jan 9, 2017 23:16
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ate all the Oreos posted:Also I'm a white male from a stable, upper-middle class home who went to good schools and a good college but obviously that has nothing to do with it and it's just my hard work It always amazes me how many people gloss over that aspect of their financial life / careers. I'm a white guy who went to high school in the northeast, had lucky genetics for a sport, and got to go to a great school because they wanted me on the team. I hosed up constantly for five years, had a pretty lovely GPA, and got out with a master's degree in a sexy-sounding field before accidentally tripping over a job in pharma that was basically OH GOD HIRING FREEZE IS COMING, GET ANYONE WITH A PULSE TO FILL THIS CUBICLE. I got so loving lucky it's kinda humiliating to think about. But no, my hard work and 2.97 undergrad GPA are totally why I'm living comfortably now in that fancy-pants six-digit club, not pure loving luck. quote:Yeah being ashamed of how much you make or talking openly about money is a really horrible cultural thing that needs to be stamped out and thankfully basically everyone in my generation that I know thinks it's completely bullshit and only serves to reenforce power structures that gently caress you over. Agreed on this. I am very open with my salary information and will gladly share it with anyone at work who asks. Not many people ask, of course, because of the stigma / HR threats.
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Jan 9, 2017 23:20
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Uncle Enzo posted:You should make sure to tell all your coworkers what you make, and find out what they're making. I started a week after another kid at a lumber yard, I was making 10/hr. After a couple weeks he asked me what I was making and from his reaction it was a lot less. Apparently he went to the boss and got on some kind of plan to increase his pay gradually to match what I was at least making. I was super uncomfortable at the time because obviously there was the threat of me being retaliated against, and I was p. sure he wasn't making what I was, but it all worked out. He had the info to get paid more, I kept my job, I later found out what I was doing was protected by law. I almost started a race riot with something like this. I took a job, asked for $10/hr, but they offered $9 with shift differential so it was $9.90 (it was a decade ago, and I was desperate) I left my opened paycheck at my workstation one night and a co-worker took a look. It was in an envelope so he really shouldn't have. But then again, I don't care who knows. He was only making $8.75 to do the same job, and he's black, I'm white, so he figured that must have something to do with it. He wasn't very happy and started spreading around that they're paying black workers less. Turns out, he asked what they pay instead of asking them to pay him a certain amount. Once he thought that over, he was cool about it. Who knows if he got that raise- I left shortly after Moneyball fucked around with this message at 23:33 on Jan 9, 2017 |
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Jan 9, 2017 23:30
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Moneyball posted:I almost started a race riot with something like this. I took a job, asked for $10/hr, but they offered $9 with shift differential so it was $9.90 (it was a decade ago, and I was desperate) Can you think of any reason why you and he might have approached your salary negotiations differently
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Jan 9, 2017 23:32
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What say you, Tiny Brontosaurus?
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Jan 9, 2017 23:40
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Don't take the bait
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Jan 9, 2017 23:59
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KingSlime posted:Don't take the bait
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Jan 10, 2017 00:00
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KingSlime posted:Don't take the bait It's not bait, christ. There's a pretty good post directly above his he might want to read is all. Are you really so fragile?
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Jan 10, 2017 00:08
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Yes that's exactly it.
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Jan 10, 2017 00:10
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Ayy, not everything is about race.
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Jan 10, 2017 00:21
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Horse Lease Chat! https://www.reddit.com/r/Horses/comments/5ff2sq/leasefree_leasebuy_advice_needed/ quote:Hello horse lovers!
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Jan 10, 2017 00:22
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Tiny Brontosaurus posted:It's not bait, christ. There's a pretty good post directly above his he might want to read is all. Are you really so fragile? Someone is, based on your new (yet surprisingly mild) avatar.
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Jan 10, 2017 00:23
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WampaLord posted:Someone is, based on your new (yet surprisingly mild) avatar. Yeah I heard but I'm not even looking. gently caress it. I have avs off anyway because that poo poo's annoying. An admin doxxed the credit card that bought my account and my IP info and is passing it around on offsites because they're mad at some person I'm not who was apparently getting them salty before I had so much as a facebook account. I get a pm inbox full of rape and death threats and gore but it's not actionable because "you can't prove anything." I'm not putting my own money into this shithole. "Don't take the bait." gently caress all of you.
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Jan 10, 2017 00:31
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Tiny Brontosaurus posted:Yeah I heard but I'm not even looking. gently caress it. I have avs off anyway because that poo poo's annoying. An admin doxxed the credit card that bought my account and my IP info and is passing it around on offsites because they're mad at some person I'm not who was apparently getting them salty before I had so much as a facebook account. I get a pm inbox full of rape and death threats and gore but it's not actionable because "you can't prove anything." I'm not putting my own money into this shithole. It's not even an avatar it's just red text that says STUPID, pretty weak as far as that poo poo goes
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Jan 10, 2017 00:37
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Tiny Brontosaurus posted:Yeah I heard but I'm not even looking. gently caress it. I have avs off anyway because that poo poo's annoying. An admin doxxed the credit card that bought my account and my IP info and is passing it around on offsites because they're mad at some person I'm not who was apparently getting them salty before I had so much as a facebook account. I get a pm inbox full of rape and death threats and gore but it's not actionable because "you can't prove anything." I'm not putting my own money into this shithole. Well I think your comment was perfectly reasonable. This is already a known effect based on gender, so it makes sense to expect that it would apply to race as well.
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Jan 10, 2017 01:06
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Tiny Brontosaurus posted:"Don't take the bait." gently caress all of you. Hah, you thought you could talk about actual race issues on SA, that's funny. News flash, embracing typical urban black culture is bad with money. No lovely biotruths, just cultural differences not conducive to getting ahead in America today, which are very similar to rural white issues. As always, being bwm is relative and coming from the wrong background is hazardous to your finances.
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Jan 10, 2017 01:13
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Regardless of race, people are just raised to not ask for what they want to be paid instead of what they will be given. P lovely that we do that really. The negotiation thread is chock full of people succeeding in breaking from that mold.
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Jan 10, 2017 01:15
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baquerd posted:Hah, you thought you could talk about actual race issues on SA, that's funny. Hoooly poo poo everyone get a look at the post linked from this guy's avatar hahahahaha
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Jan 10, 2017 01:20
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Literally Elvis posted:BWM: Bailing out your father, I guess Brutal. Strictly speaking, though, pretty harsh to label that as BWM.
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Jan 10, 2017 01:20
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Vox Nihili posted:Brutal. Strictly speaking, though, pretty harsh to label that as BWM. Agreed. I put "I guess" as a too-weak-in-hindsight indicator of sarcasm. That's a poo poo situation all around and I can't imagine being anything but livid if I were in that persons shoes.
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Jan 10, 2017 01:32
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baquerd posted:Hah, you thought you could talk about actual race issues on SA, that's funny. Weird how you can be this flagrantly racist yet nobody's building conspiracy theories about you and following you around trying to doxx you and emailing you pictures of what they think is your house. (USER WAS PUT ON PROBATION FOR THIS POST) (USER WAS PUT ON PROBATION FOR THIS POST)
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Jan 10, 2017 01:32
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Please tell me what typical black urban culture is.
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Jan 10, 2017 01:35
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I always take principled stands on TBs side in a sort of racial Pascal's Wager. At best she's right, at worst some white guy has a really really salty meltdown.
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Jan 10, 2017 01:45
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This is the Bad With Money thread, not the TB meltdown thread. Back on topic.
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Jan 10, 2017 01:51
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BWM to keep supporting the secret agents who follow you around, put tracking devices in your cars, and drill radio receivers into your teeth.
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