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lavaca
Jun 11, 2010

Leon Trotsky 2012 posted:

On OP's post history he has posts about :
- How he is deaf, but spends about $4,000 a year on vinyl records
- Asking if he still has to pay his credit card if it expires with a balance on it, and
- Questions about how much it costs to buy sex in Seattle and if he should tell his girlfriend about his sex addiction

I've got a good feeling that he is going to make the right choice on this one, though. He's due!

This reminded me of the story of the mute, autistic man in Seattle who spends many hours a week in neighborhood record stores and apparently had so many records (and boots) in his subsidized apartment that the landlord evicted him for being a hoarder. Someone set up a GoFundMe page that managed to raise almost $20,000 in a week. It turns out that this is bad with money if you are receiving significant benefits from the state because the windfall would've made his income too high to qualify for many of those benefits.

(The happy ending is that he was eventually able to find support from a neighborhood housing group.)

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Hyrax Attack!
Jan 13, 2009

We demand to be taken seriously

I'm eating lunch and coworkers at neighboring table are loudly discussing slot machine strategy for the weekend. Bored boomers breaking down machine strategy, reward programs, and pondering if Indian casinos are regulated.

Hyrax Attack! fucked around with this message at 21:48 on Feb 17, 2017

big trivia FAIL
May 9, 2003

"Jorge wants to be hardcore,
but his mom won't let him"

Leon Trotsky 2012 posted:

What other caller ID stories do people have?

I don't answer unknown numbers and apparently a $50 charge from my final bill from AT&T when I cancelled a year ago has gone to collections because I never got it because I moved, even though I changed my address on their website and filed a change of address with the post office! Also when you cancel the account, it unlinks from your profile so you can't see/pay your bill when you log in, so I had no idea I owed them anything! Whoops!

Leon Trotsky 2012
Aug 27, 2009

YOU CAN TRUST ME!*


*Israeli Government-affiliated poster
What do people think about those caller ID's that read aloud the name of the person calling?

I don't have any good caller ID related anecdotes about them, but maybe other people have content?

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.

Leon Trotsky 2012 posted:

What do people think about those caller ID's that read aloud the name of the person calling?

If you have that activated in an office setting, I wish for your painful death every time someone calls you.

Zamujasa
Oct 27, 2010



Bread Liar

big trivia FAIL posted:

I don't answer unknown numbers and apparently a $50 charge from my final bill from AT&T when I cancelled a year ago has gone to collections because I never got it because I moved, even though I changed my address on their website and filed a change of address with the post office! Also when you cancel the account, it unlinks from your profile so you can't see/pay your bill when you log in, so I had no idea I owed them anything! Whoops!

This happened with the internet provider when I moved. It was the second time I'd done so, and I did the same thing I did before; here's the new address, come set everything up, switch the account over. I always paid the bill when it hit my inbox (I don't use autopay), but it wasn't showing up and I didn't think much of it since I was so busy. Two months later I started getting automated phone calls saying "Please log into (provider dot com) for important account information". Nothing else. Logging in didn't show any news, a bill of $0, etc...

Turns out that they didn't actually move my account properly, so I had new service set up outside of my actual account, that wasn't sending any physical or email bills, and was 3 months late. :argh:

I had to go to a physical store and complain until they took off the late fees and set it up properly.

Weatherman
Jul 30, 2003

WARBLEKLONK
cool story bro

Pryor on Fire
May 14, 2013

they don't know all alien abduction experiences can be explained by people thinking saving private ryan was a documentary

BFC posts ain't always the most exciting. Sorry boys, it just comes with the territory.

Let's shake things up, who wants to eat mushrooms and then try to do their taxes?

Proteus Jones
Feb 28, 2013



big trivia FAIL posted:

I don't answer unknown numbers and apparently a $50 charge from my final bill from AT&T when I cancelled a year ago has gone to collections because I never got it because I moved, even though I changed my address on their website and filed a change of address with the post office! Also when you cancel the account, it unlinks from your profile so you can't see/pay your bill when you log in, so I had no idea I owed them anything! Whoops!

Really? You should be able to use your email. I just moved to T-Mobile last night, and while they unlinked my account from the number (as they should have since I ported the number), I was still able to access my account to make sure they didn't nail me with any more charges.

Proposition Castle
Aug 9, 2004
Witty message goes here.

Pryor on Fire posted:

BFC posts ain't always the most exciting. Sorry boys, it just comes with the territory.

Let's shake things up, who wants to eat mushrooms and then try to do their taxes?

Drugs and Bureaucracy would be an interesting reality show. Watch next week when Dave takes acid and goes to the DMV!

OBAMNA PHONE
Aug 7, 2002
Call it the Slow-Mo Show

edit: that was drugs at the opera, right?

lavaca
Jun 11, 2010
BWM: Buying a stupid couch as a metaphor for life, or something.

quote:

This is why, a few weeks after moving in with my partner, Kevin, we decided to buy a couch from West Elm. The couch would be the most prominent piece of furniture in our small apartment and our first big purchase together — a gigantic spongy representation of our shared style sensibility. We chose a West Elm design called the “Peggy” in a deep rusty orange color. We would each put a fat $600 towards the couch, and that money would be an investment into our new life together. It was more than we were used to paying for a piece of furniture, but the price seemed to be proof of enduring quality. I looked at the image on the West Elm website and saw an entire montage of us laughing on the couch with friends, reading the Sunday paper on the couch, drinking obscure liqueurs on the couch (would this be the couch on which we would discover that we loved Cynar or Chartreuse?), moving the couch into a larger apartment, covering the couch with tarps while we painted the walls around it a daring color, giving birth on the couch, dying on the couch.

This is the moment when I need to warn you of something vitally important. No matter what Apple commercials and jewelry ads tell you, you should never, ever view an object as a metaphor for your relationship. Engagement rings are the biggest racket in history, and even if you love each other, one of you will lose your ring. If you buy a couch together, either the couch or the relationship will break, and the two things will have no correlation.

Reading the article on a 15-year-old IKEA sofa, I particularly appreciated the attitude displayed by the employees:

quote:

Both store employees told me that between one and three years was normal for a couch with light use.

(West Elm was a lot cheaper back in the day. Somewhere along the line they realized that selling the same furniture at a higher price would lead to customers subconsciously comparing it to Crate & Barrel rather than IKEA.)

canyoneer
Sep 13, 2005


I only have canyoneyes for you
Bad with money: Being liable for up to $10k in fines from Customs and Border Protection due to smuggling in 13 pounds of horse genitals

http://www.abc2news.com/news/state/13-pounds-of-horse-genitals-concealed-in-womans-luggage-claimed-it-was-for-medicinal-purposes

Dr. Eldarion
Mar 21, 2001

Deal Dispatcher

canyoneer posted:

Bad with money: Being liable for up to $10k in fines from Customs and Border Protection due to smuggling in 13 pounds of horse genitals

http://www.abc2news.com/news/state/13-pounds-of-horse-genitals-concealed-in-womans-luggage-claimed-it-was-for-medicinal-purposes



pssssssst, you lookin' to score horse wang? i got some...

Zero One
Dec 30, 2004

HAIL TO THE VICTORS!
Related, I recently found out this is a thing: http://horseandrider.com/article/cleaning-horse-sheath-18021

Unsurprisingly you can pay large sums of money to have someone else clean your horse's sheath.

BonerGhost
Mar 9, 2007

Zero One posted:

Related, I recently found out this is a thing: http://horseandrider.com/article/cleaning-horse-sheath-18021

Unsurprisingly you can pay large sums of money to have someone else clean your horse's sheath.

BWM. You need to find a horse lover to pay you to clean your horse's sheath.

cowofwar
Jul 30, 2002

by Athanatos
Kenneth Pinyan (Mr Hands) will clean your horse's dick thr good old fashioned way.

pig slut lisa
Mar 5, 2012

irl is good


Zero One posted:

Related, I recently found out this is a thing: http://horseandrider.com/article/cleaning-horse-sheath-18021

Unsurprisingly you can pay large sums of money to have someone else clean your horse's sheath.

This is the worst thing I've read in a long time

GoutPatrol
Oct 17, 2009

*Stupid Babby*

Zero One posted:

Related, I recently found out this is a thing: http://horseandrider.com/article/cleaning-horse-sheath-18021

Unsurprisingly you can pay large sums of money to have someone else clean your horse's sheath.

This should have a loving NFSW tag on it

Facebook Aunt
Oct 4, 2008

wiggle wiggle




pig slut lisa posted:

This is the worst thing I've read in a long time

C'mon, how bad could it be?

"In this case, you'll need to go in up to your elbow, so wear a long disposable glove to avoid getting the greasy, smelly smegma on your arm and sleeve."

:stonklol:

"Some horses really resent this procedure."

I bet they do.

BonerGhost
Mar 9, 2007

As near as I can tell, getting the bean out of the urethra requires squeezing it out. For as frank as they are in describing cleaning the sheath, these folks seem awfully shy to describe how to clear the urethra.

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.

lavaca posted:

BWM: Buying a stupid couch as a metaphor for life, or something.

Reading the article on a 15-year-old IKEA sofa, I particularly appreciated the attitude displayed by the employees:

(West Elm was a lot cheaper back in the day. Somewhere along the line they realized that selling the same furniture at a higher price would lead to customers subconsciously comparing it to Crate & Barrel rather than IKEA.)

Store employees will make up the dumbest poo poo on the durability of their product. I had a guy had best buy tell me I should get the extended warranty, because 30% of their laptop were returned every year.

My reaction was well, you sell lovely laptops so I'm going to go buy it elsewhere. He changed his tune.

Blinkman987
Jul 10, 2008

Gender roles guilt me into being fat.

FrozenVent posted:

Store employees will make up the dumbest poo poo on the durability of their product. I had a guy had best buy tell me I should get the extended warranty, because 30% of their laptop were returned every year.

My reaction was well, you sell lovely laptops so I'm going to go buy it elsewhere. He changed his tune.

When I worked at Best Buy, only two things were true

1 - At least 30% of the guys working there were weirdo sexual predators trying to pick up on the 17-year-old cashiers
2 - You can't sell a cheap laptop without an extended warranty unless you want to get scolded by your manager

The cheap laptops were loss leaders and the company only wanted to sell them with service plans and $50 ink cartridges.

GoutPatrol
Oct 17, 2009

*Stupid Babby*

NancyPants posted:

As near as I can tell, getting the bean out of the urethra requires squeezing it out. For as frank as they are in describing cleaning the sheath, these folks seem awfully shy to describe how to clear the urethra.

Is this "bean referring" to dry horse precum or is there something even worse than horses have coming out of there?

pig slut lisa
Mar 5, 2012

irl is good


CHANGING TOPICS RAPIDLY:

Here is a short video entitled Bankrupt By Beanies, described as "A short documentary about my family's sordid past with Beanie Babies."

monster on a stick
Apr 29, 2013
Reddit Roundup...

https://www.reddit.com/r/personalfinance/comments/5uqmct/in_the_us_over_50_have_over_200k_in_student_loans/ posted:

In the US, over 50, have over 200k in student loans due to interest rates/low income Help? (self.personalfinance)

Well, the subject pretty much says it all. I earn less than 20k, am over 50, and interest rates have skyrocketed my 2 degrees (BA, MFA) to an ungodly 200k. I have been on IBR for 8 years, and degrees in the performing arts mean exactly squat in this day and age. Ageism makes it difficult for me to pursue anything else, employers want young recent college graduates, not middle aged workers. No assets, no savings. Live paycheck to paycheck, because 20k does not go far.

Thoughts? (besides the suggestion from a friend I should get a new identity)

Racking up loans to get a degree in MFA is shockingly not GWM.

https://www.reddit.com/r/personalfinance/comments/5uo99n/10130816_in_debt_i_have_no_idea_what_to_do/ posted:

$101,308.16 in debt. I have no idea what to do. (self.personalfinance)

I will just cut to the chase and make it easier for everyone. I got married in 2015, our combined debt was around $77K (student loans, a used car, 20 VW cars and parts). Now, we owe $101K+ and I haven't a clue on how to sort this out.

SO was handling finances as most of the bills were coming out of his account anyway. I knew what the monthly bills were, but I didn't know how much we were spending on his credit card or how much he was paying off each month. We recently bought and paid off a $25K house that we are currently completely remodelling, this is where most of the expenses come from.

Here is a rundown of our checks and expenses:

Our monthly takehome - $4,276.88
Our taxes - $1,193.74
Our insurance costs - $516.36
Our 401K - $673.08
Utilities - $247.36 to $457.36
Amazon Prime & Starz - $16.24
Gym - $52
Entertainment - $37.97
Car 1 - $168.98
Student Loans - $685
Car Fuel - $238 average
Cars Insurance - $174
Motorcycle - $110.45

Our Debts:
Used Cars - $10,366.06
Motorcycle - $1,500
My credit card - $427.85
His credit card - $12,230
Student Loans - $55,584.25
Medical Debt - $700
His personal loans - $20,500

SO had the idea to get 2 personal loans and try to pay off some things like our house, his motorcycle, his student loans, cars, and the credit card. The loans have a 3.5% interest rate and costs us $192 a month. However, $20K hardly seemed to put a dent in anything as our debt keeps increasing.

He has a major spending problem regarding cars, crafts, and tools for working on our house. The 2016 summary on the credit card showed us spending $26K+. We use the card for anything we can, though.

We've been making payments on time for all of the bills and some months we even pay twice on the credit card, averaging $1,800 each time we pay, however it feels like I'm still drowning in this debt. We got a super cheap and crappy house because it was supposed to save us money versus buying a traditional house, but it instead triggered a spending spree by my SO that shows no signs of abating.

Here is what we have done so far to keep expenses limited:

Limit going out to eat
Limit alcohol and pop
Reign in grocery shopping
We never go out to clubs, shopping, theme parks, etc. Stay inside pretty much all the time.
He will be selling his 2 cars and motorcycle as well

What more can we do to get this under control? The gym and the entertainment expenses, like Netflix, are all we have budgeted for fun things and I'm not likely to get rid of the few things we have that's fun. However, we do go on friend adventures to movies and the like that I am ready to tone down.

He has a major spending problem regarding cars, like having 20 of them:

quote:

The 20 cars are old, old, 60s Beetles and Buses that he's hoping to restore amd sell one day. The whole thing cost him $10K and if he fixes them up one bus will pay him back.

Chances of that happening = 0%

Dillbag
Mar 4, 2007

Click here to join Lem Lee in the Hell Of Being Cut To Pieces
Nap Ghost
"Stop buying candles."

"No."

Star War Sex Parrot
Oct 2, 2003

quote:

We recently bought and paid off a $25K house

His personal loans - $20,500

SO had the idea to get 2 personal loans and try to pay off some things like our house, his motorcycle, his student loans, cars, and the credit card.
You don't get to say "bought and paid off a house" if you just used a different loan to pay off the mortgage.

Weatherman
Jul 30, 2003

WARBLEKLONK
What sort of house do you get for 25 thousand?? :stonk:

Porfiriato
Jan 4, 2016


Apparently one where the neighbors don't care if you have twenty VWs in various stages of disrepair laying around the yard.

edit: Alternatively, one where the neighbors are operating meth labs out of the twenty VWs in various stages of disrepair laying around the yard.

Porfiriato fucked around with this message at 10:54 on Feb 18, 2017

Shame Boy
Mar 2, 2010

Solice Kirsk posted:

All of those important things would leave a message.

Lol no they wouldn't, as evidenced by the numerous different important calls I missed from various organizations (such as my bank) because I was expecting important calls to leave a message

Jeffrey of YOSPOS posted:

Do you really get enough spam calls that, upon seeing an unknown number, it's more likely to be a spam call than someone you know calling from a different number?

Pretty sure for me it's at least like, 3 times out of 4 that it's a friend if not more.

I get a spam call once or twice per day, and the other times I get called it's someone who thinks I'm the guy who used to have this phone number before I got it.

A year and a half ago.

BEHOLD: MY CAPE
Jan 11, 2004

Weatherman posted:

What sort of house do you get for 25 thousand?? :stonk:

Had to be a trailer or used manufactured home

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

Legendary.


:hampants::hampants::hampants:
Ugghhh my wife is trying to buy a dog this morning that is 14 years old and has Cushing's disease with drug costs totalling $160 a month.

We could literally board a horse for less than that around here.

monster on a stick
Apr 29, 2013

EAT FASTER!!!!!! posted:

Ugghhh my wife is trying to buy a dog this morning that is 14 years old and has Cushing's disease with drug costs totalling $160 a month.

We could literally board a horse for less than that around here.

I had a dog with Cushing's growing up, that dog was miserable. Maybe the drugs are better but it's hard watching a sick animal be a "pet."

cowofwar
Jul 30, 2002

by Athanatos

EAT FASTER!!!!!! posted:

Ugghhh my wife is trying to buy a dog this morning that is 14 years old and has Cushing's disease with drug costs totalling $160 a month.

We could literally board a horse for less than that around here.

There are x healthy dogs euthanized per year. If you adopt a sick one then an otherwise healthy dog will die instead. It's zero sum, don't adopt sick old dogs.

epenthesis
Jan 12, 2008

I'M TAKIN' YOU PUNKS DOWN!

Weatherman posted:

What sort of house do you get for 25 thousand?? :stonk:

Wasn't that house with the chamber pot in the kitchen 50K or so?

BloodBag
Sep 20, 2008

WITNESS ME!



EAT FASTER!!!!!! posted:

Ugghhh my wife is trying to buy a dog this morning that is 14 years old and has Cushing's disease with drug costs totalling $160 a month.

We could literally board a horse for less than that around here.

Watch the horse get Cushing's too.

FrozenVent
May 1, 2009

The Boeing 737-200QC is the undisputed workhorse of the skies.

BloodBag posted:

Watch the horse get think about getting Cushing's too and dying.

Fixed.

Leviathan Song
Sep 8, 2010

Weatherman posted:

What sort of house do you get for 25 thousand?? :stonk:

I bought a house for exactly that about 6 months ago. It's missing 60% of the floors, most of the plumbing, has no AC or heat, the foundation is in bad shape, and up until I fixed it one of the walls was falling off of the house and taking the roof with it. So...a house that is about 50% intact, optimistically.

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

Legendary.


:hampants::hampants::hampants:

Leviathan Song posted:

I bought a house for exactly that about 6 months ago. It's missing 60% of the floors, most of the plumbing, has no AC or heat, the foundation is in bad shape, and up until I fixed it one of the walls was falling off of the house and taking the roof with it. So...a house that is about 50% intact, optimistically.

Good luck with your renovations!

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