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Do you happen to know where your HR staff got their degree from?
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Jan 13, 2017 21:38
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Hyrax Attack! posted:We also have education discounts. You can get 5% off at Western Governors University, which looks to be a legitimate school not set up to scam the GI Bill. You can also get 10% off at University of Phoenix, Capella, and Kaplan. This was egregious enough I complained to our HR dept about these being scam schools under investigation and it was horrible to nudge employees into an abyss of debt for a worthless degree. They forwarded me a site that appeared to have been made with Geocities affirming that these were in fact, excellent schools.
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Jan 13, 2017 23:02
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Krispy Kareem posted:The Tesla broke Consumer Report's rating system. As in they had to put a disclaimer on there because it scored so well. Consumer Report's doesn't take money from automakers. They did come back later and slam Tesla for reliability, though only the Model X is still rated super badly, with the Model S having improved to average. Teslas are good cars with their own strengths and weaknesses and are a good buy if you're rich enough to afford one. They just also have the tech bubble hype machine talking about them as the perfect vehicle designed and built single handedly by the second coming of Jesus and the requisite backlash saying they're the worst car since the Pontiac Aztek that will definitely kill you if you get with 300 meters of one so its impossible to have a sane conversation about them. quote:Um...it's the best iPhone. It regularly drives me nuts when I'll borrow my wife's SE near the end of the day and she'll have the screen brightness turned all the way up with bluetooth, location services, cell, and wifi all turned on and still have 85% battery left while I literally keep my Nexus 5x with cellular off and battery saver mode on 100% of the time in order to not run out of juice. Really miss having a 4inch screen, though the thing does feel tiny to me now. At least being forced to switch to Google Fi and using wifi constantly means my phone bill is cheap as hell now. (I guess that makes this on-topic cause I just realized this is the BWM thread and not the tech bubble one)
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Jan 13, 2017 23:11
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pr0zac posted:It regularly drives me nuts when I'll borrow my wife's SE near the end of the day and she'll have the screen brightness turned all the way up with bluetooth, location services, cell, and wifi all turned on and still have 85% battery left while I literally keep my Nexus 5x with cellular off and battery saver mode on 100% of the time in order to not run out of juice. Really miss having a 4inch screen, though the thing does feel tiny to me now. At least being forced to switch to Google Fi and using wifi constantly means my phone bill is cheap as hell now. (I guess that makes this on-topic cause I just realized this is the BWM thread and not the tech bubble one) Google Fi is indeed cheap and cool.
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Jan 13, 2017 23:28
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DACK FAYDEN posted:It's actually fairly popular over in SH/SC as the recommended source of online-only bachelor's and master's degrees in computer science and related fields. Not something I'm in the market for myself, but if a geek with no degree and a helpdesk job or something happens to be reading this, based on what feedback I've read, you could do a hell of a lot worse than WGU. You're right, sorry I didn't phrase that well. I meant that it was odd that WGU is listed next to those other places, as it would be a good use of time/money.
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Jan 13, 2017 23:34
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Leon Trotsky 2012 posted:Oh no... I'm way back on this thread working my way back, so apologies if someone has already dredged this one up to revisit. Just wanted to share this while it was still fresh in my mind. Obviously there's almost no way to make money on something like this with the CC interest taken into account, but assuming he had bought a biotech ETF in early October (original post was Oct 10), he would have been staring down about a 15% loss by the beginning of November, watching it drop every day after he'd bought it. With that stunning level of investing experience and financial acumen, I'd bet the odds are pretty good he would have lost his nerve and bailed near a low pre-election (did you ever get a followup from him Leon?), making this incredibly stupid idea even worse. If he was brave/stubborn+stupid and is still holding today, he would be less badly off then an earlier panic sell, currently looking at a 3.5% paper loss. But say he bought $10k worth, is currently incurring ~$150 in interest every month. So at that theoretical $10k, $800 loss if sold today (not counting fees), $1500 loss if panic sold near a low earlier. The only winning move in this case was not to play at all.  edit: oh wait I forgot (cause I don't fuckin' use em) CC cash advances have even higher interest rates then regular purchases, so it's even worse than that. Lordy. The Butcher fucked around with this message at 01:27 on Jan 14, 2017 |
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Jan 14, 2017 01:11
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https://www.reddit.com/r/personalfinance/comments/5nsypm/can_i_quit_my_job_and_use_a_hardship_distribution/ posted:Can I quit my job and use a "hardship distribution" to cash out my 401k? (self.personalfinance) https://www.reddit.com/r/personalfinance/comments/5nrh0p/i_am_a_22_year_old_who_is_attending_college_and/ posted:I am a 22 year old who is attending college and would like to get involved in real estate. Is it feasible? (self.personalfinance)
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Jan 14, 2017 01:37
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monster on a stick posted:Can I quit my job and use a "hardship distribution" to cash out my 401k? (self.personalfinance)
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Jan 14, 2017 01:40
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Haifisch posted:Why does it never occur to these people that they can look for a new job while employed in their current, lovely one? And that they should, since it's a lot easier to get a job while you're still employed. Work suxx and I wanna leave right goddamn now yeah gently caress u boss
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Jan 14, 2017 04:25
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BWM: whatever this is.
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Jan 14, 2017 06:22
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Haifisch posted:Why does it never occur to these people that they can look for a new job while employed in their current, lovely one? And that they should, since it's a lot easier to get a job while you're still employed. It's a terrible idea to quit on a limb and I'm glad I never did but man I completely agree that some jobs can be literal torture mentally and physically. I was interviewing for my current job while 100% burned out on my last one from being on call 24/7 every single day for a year. People asked how I managed to drive 30 hours from coast to coast for a new job, the answer is "with a smile."
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Jan 14, 2017 08:02
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canyoneer posted:Google Fi is indeed cheap and cool. My BWM thought today was that I could get a second, data-only sim from Google Fi, and a $700 Pixel C (tablet) to put it in. But you see, this would be smart, because it could replace my laptop! Kinda. Maybe.
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Jan 14, 2017 10:53
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A tale of Bitcoin used in compulsive gambling: https://www.reddit.com/r/personalfinance/comments/5niza2/80000_in_debt_no_savings_dont_know_what_to_do_next/ Some Reddit Dope posted:The title pretty much sums up my situation. Sic Semper Goon fucked around with this message at 11:51 on Jan 14, 2017 |
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Jan 14, 2017 11:47
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Ah: gambling addiction, day trading and bitcoin. A BWM holy trinity. The nerdy middle management guy version of the house flipping, horse owning MLM-mom we've all come to know and love
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Jan 14, 2017 12:17
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Krispy Kareem posted:Back on topic. Remember this guy? Little slow out the gate: going through the derail where that guy got banned... Yeah, I posted about that guy a few weeks back. He didn't stay in. If you check that guy's post history on reddit, he sold within a month or so.  He bought mid August and when the stuff tanked in September, I bet he sold because he talks about selling "for a small profit" sometime in September/October.
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Jan 14, 2017 15:08
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New job, new bad with money coworkers! So I have a coworker who moved halfway across the country and did so without most of her family's furniture, on the theory that it would be cheaper to replace than move. This would have been a good idea, had she not gone to Nebraska Furniture Mart and purchased a super nice and expensive dining room table and chairs set for Thanksgiving with a store credit card. She has been paying it off for 5 months and still owes $2500. Her husband does not know about this card. Ok, not the worst story ever but now her son is going to college and will need student loans, so she is going to have a credit report pulled that will show all open credit cards...and her husband will discover that not only does she have this card, but that she put him down as a co-signer. Her plan is to borrow money from her mom to pay off and close the card before the credit report gets pulled.
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Jan 14, 2017 16:58
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https://www.reddit.com/r/personalfinance/comments/5nxxo3/selling_my_535_ct_natural_round_diamond/?st=ixxg8dyp&sh=f3000900 Someone wants to sell the 5 ct diamond. BWM buying it, BWM trying to sell it. quote:it's funny yes cause a 5 ct diamond in the marketplace means 120 thousand dollars at least but jewelry stores want to buy it from me for 30 thousands dollars ,,what a crap ,,and want to sell to other for 150 ..what i have to do ?! i really want it to sell it
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Jan 14, 2017 17:32
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quote:i wonder why they sell diamonds to us if they will not buy it when we need to sell it ! literally the dumbest loving thing to do with $75k.
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Jan 14, 2017 17:53
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Rolo posted:It's a terrible idea to quit on a limb and I'm glad I never did but man I completely agree that some jobs can be literal torture mentally and physically. I was interviewing for my current job while 100% burned out on my last one from being on call 24/7 every single day for a year. People asked how I managed to drive 30 hours from coast to coast for a new job, the answer is "with a smile." Remember those stories about the poor Wells Fargo bankers when the scandal first broke? Like having panic attacks at work and drinking hand sanitizer? It wasn't quite that bad for me but I was seriously considering quitting and going unemployed if I couldn't find a new job. I even considered joining the military or going back to a private trade school that would cost $100,000 for a new career that would pay $15,000. Luckily a great company hired me and I didn't have to do anything like that. But not everyone is as lucky.
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Jan 14, 2017 18:04
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Can't you buy a bucket of artificial diamonds at wal mart for like $5 nowadays? How on earth is the loving diamond market of all things still a thing?
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Jan 14, 2017 18:48
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HelloIAmYourHeart posted:New job, new bad with money coworkers! It isn't possible to just put someone down as a cosigner even if you have their SSN, unless she also forged his signature, which would be fraud. Did she add him as an authorized user instead? Either way still poo poo to open a credit card without telling your spouse. Compelling argument for domestic violence.
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Jan 14, 2017 18:48
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Pryor on Fire posted:Can't you buy a bucket of artificial diamonds at wal mart for like $5 nowadays? How on earth is the loving diamond market of all things still a thing? Marketing saying natural diamonds are worth more, stockpiling to create artificial scarcity, and a cartel to set the pricing.
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Jan 14, 2017 18:49
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Pryor on Fire posted:Can't you buy a bucket of artificial diamonds at wal mart for like $5 nowadays? How on earth is the loving diamond market of all things still a thing? You can get cubic zirconia for very cheap, but cultured diamonds are nowhere near that price.
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Jan 14, 2017 19:05
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It's hyperbole, that's what the price will be tomorrow. Just seems silly to spend any amount on diamonds with that reality.
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Jan 14, 2017 19:29
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I've been waiting for lab grown diamonds to undercut the market for years and it still isn't happening for some reason. They can even make colourless ones now but nope.
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Jan 14, 2017 19:41
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GWM joining the diamond racket with your artificially created rock
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Jan 14, 2017 21:18
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The radio commercials by jewelry stores near me that sell only natural stones claim that lab stones can't be resold or pawned for as much, which seems pretty bold given the discount regular diamonds get in those situations.
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Jan 14, 2017 21:29
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NancyPants posted:It isn't possible to just put someone down as a cosigner even if you have their SSN, unless she also forged his signature, which would be fraud. UHHHHHHHHHHH I'm going to assume that was a joke that fell flat there at the end. I don't understand how these masterminds think they can get away with this. You live in the same house and get the same mail, all it takes is him idly leafing through the bills and the jig is up. Separate, mingled, whatever you do with your money as a couple just tell each other you blew 50,000 on a horse ranch using a credit card. They're going to find out anyway so at least you get the divorce over quick.
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Jan 14, 2017 21:36
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Small synthetic occluded diamonds are cheap and easy to make. Large synthetic perfect diamonds are really loving hard to make and take a long time to grow so they are actually more expensive because it turns out it's cheaper to pay a poor African with a shovel than a gas plasma lab, the chemists, the presses and the poo poo ton of power.
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Jan 14, 2017 22:01
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Also, didn't the husband notice the new furniture? Did he think it was free? Willful ignorance is real.
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Jan 14, 2017 22:06
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Tiny Deer posted:UHHHHHHHHHHH I'm going to assume that was a joke that fell flat there at the end. Something Awful Forums>Bad With Money
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Jan 14, 2017 22:23
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NancyPants posted:It isn't possible to just put someone down as a cosigner even if you have their SSN, unless she also forged his signature, which would be fraud. She specifically said "cosigner" but who really knows?  and as far as I could tell, the husband thinks the table was paid in full.
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Jan 15, 2017 00:20
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HelloIAmYourHeart posted:She specifically said "cosigner" but who really knows? Nothing like a little identity theft between spouses.
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Jan 15, 2017 00:37
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Droo posted:You can get cubic zirconia for very cheap, but cultured diamonds are nowhere near that price. What I find hilarious is that when you judge them by the criteria of being a piece of jewellery, cubic zirconia and diamonds are equal. Except one costs a lot more. You can't even say that diamonds are intrinsically better from an value viewpoint : they may indeed cost a lot, but they are a lousy investment and you'd do better to buy CZ and put the money you saved in a sock under the bed. Even buying an expensive, thoroughbred racehorse is better than buying a cheap nag as at least the extra money buys a horse that does horse stuff better.
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Jan 15, 2017 01:03
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spog posted:What I find hilarious is that when you judge them by the criteria of being a piece of jewellery, cubic zirconia and diamonds are equal. Except one costs a lot more. What about investing directly into the diamond industry? *googles DeBeers stock*
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Jan 15, 2017 01:09
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I thought CZ wasn't nearly as resilient as diamond.
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Jan 15, 2017 01:16
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I know this isn't a popular opinion, but that last derail was loving awesome. Almost like having a window seat in a restaurant while the SWAT/CIA/FBI (mods/admins/Lowtax) execute a raid right across the street. My GWM (humble brag) story for the day: Buying second hand equipment for $95, use it for 2 years, sell it for $100 to the next second-hand buyer. Edit: GWM: Befriending the campus cat, so I can always pet a cat when I go take a walk but I don't have to deal with a cat in my home. theHUNGERian fucked around with this message at 03:15 on Jan 15, 2017 |
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Jan 15, 2017 03:03
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cowofwar posted:Small synthetic occluded diamonds are cheap and easy to make. Large synthetic perfect diamonds are really loving hard to make and take a long time to grow so they are actually more expensive because it turns out it's cheaper to pay a poor African with a shovel than a gas plasma lab, the chemists, the presses and the poo poo ton of power. On the other hand, the poor African can't make diamonds out of your dead relatives You could have a ring on each hand with a different aunt or uncle stone!
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Jan 15, 2017 03:22
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Randler posted:What about investing directly into the diamond industry? *googles DeBeers stock* Someone's beaten you to it: http://www.diamondportfolio.com.au/aw/welcome/smsf.php?c=ADPDN&p=financialmanagement-smsf&gclid=CIjyoKOPw9ECFYKVvAodJ54JPg
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Jan 15, 2017 03:39
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monster on a stick posted:Sub 26 year old with 24k I in retirement savings I guess there's no position so good that it can't be hosed up. This person is 6 years younger than me with substantially more in retirement accounts. Not for long though I guess!
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Jan 15, 2017 04:14
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