|
Devian666 posted:Did I read the quitclaim one correctly? It appears that he sold the property for 27,000 payments of $10 and she missed the first month's payment. Isn't that 2250 years until it's paid for? I'm assuming it was set up to be easily mistaken for 10 payments of $27k. He was going to prison and may have been trying to shield assets or something.
|
#
?
Apr 7, 2017 03:13
|
|
|
|
| # ? May 31, 2024 12:11 |
|
|
I've recently cut some costs by sharing my girlfriends toothbrush. I normally use just the lovely $1 off-brand types that you end up dropping in the toilet all the time but she's got a nice ultrasonic one and man, it cleans teeth great! I haven't told her that I use her toothbrush though. I usually run the shower while I brush so she can't hear it, and that serves double purpose because free water and soap/shampoo!
|
|
#
?
Apr 7, 2017 03:14
|
|
|
Jesus Christ posted:I've recently cut some costs by sharing my girlfriends toothbrush. I normally use just the lovely $1 off-brand types that you end up dropping in the toilet all the time but she's got a nice ultrasonic one and man, it cleans teeth great! Running the shower to cover up a vibrating sound is a good idea, she'll never find out
|
|
#
?
Apr 7, 2017 03:20
|
|
|
ChickenOfTomorrow posted:the solution to affordable housing is not easy and cannot be left up to the market (because the market doesn't optimize for what's best, just what's most profitable) but in California, proposition 13 probably has something to do with it. Beyond that I throw up my hands, leave it to the experts on the Left, and wait impatiently for my fully automated luxury government commune. Prop 13 hate is entirely rational. It preverts property taxation and ia horrible misallocation of tax burdens.
|
|
#
?
Apr 7, 2017 03:20
|
|
|
Seems like the solution would be to nationalize all housing and assign properties based on need with rent based on ability to pay.
|
|
#
?
Apr 7, 2017 03:23
|
|
|
BWM: Paying $10 for access to a forum so you can backhandedly gloat about your high income for 4 pages instead of posting BWM content.
|
|
#
?
Apr 7, 2017 04:13
|
|
|
Leon Trotsky 2012 posted:BWM: Paying $10 for access to a forum so you can backhandedly gloat about your high income for 4 pages instead of posting BWM content. No loving kidding
|
|
#
?
Apr 7, 2017 04:17
|
|
|
Leon Trotsky 2012 posted:BWM: Paying $10 for access to a forum so you can backhandedly gloat about your high income for 4 pages instead of posting BWM content. Droo posted:No loving kidding  H110Hawk posted:What about fancy birds? We bought this $2k pet then had to get rid of him a few years later: pig slut lisa posted:this is the derail bird. i'm going to post him and his judgey face whenever a derail gets bad.
|
|
#
?
Apr 7, 2017 04:55
|
|
|
sparkmaster posted:Seems like the solution would be to nationalize all housing and assign properties based on need with rent based on ability to pay. Or a Georgist land tax encouraging the development of land to its highest and best use instead of advantaging historical uses amd tenure.
|
|
#
?
Apr 7, 2017 05:04
|
|
|
 Happy Easter. Let's get back on topic.
|
|
#
?
Apr 7, 2017 05:45
|
|
|
Academician Nomad posted:A claim that "many liberals deny economics" is absurd. As a historian of science, I also rankle at the idea of a "ranking" of sciences, though some are more useful for particular things than others. Climate science is also pretty damned solid and well-founded over the course of many decades of data gathering and analysis by large numbers of teams of people making accurate predictions. ... We can maybe all agree though that cities should place ordinances that require developers to build more affordable housing in meaningful quantities as a precondition of making more luxury units? Certainly not, I do not agree. Let the free market run. The notion that freely adding 80 million units of housing (of the luxury and price as determined by the free market) to the SF area will have no positive impact on the housing crisis is pretty silly. ChickenOfTomorrow posted:PS if economics is a science then the field's refusal to give any time to alternative economic models when discussing the crises of capitalism is that field's version of climate change denial. Edit: For content. My colleague quitted her job to go on a 8 months honeymoon for a trip of a lifetime. Now, she is back and the company apparently no longer has a position available for her. Local economy isn't doing that great right at this moment either. Jesus. How many people actually do this trip of a lifetime bullshit? John Smith fucked around with this message at 06:55 on Apr 7, 2017 |
|
#
?
Apr 7, 2017 06:50
|
|
|
Leon Trotsky 2012 posted:BWM: Paying $10 for access to a forum so you can backhandedly gloat about your high income for 4 pages instead of posting BWM content. I assume this is a jab at me since I started it all. I have too much of a forum crush on you to even attempt a witty retort, so I'll just go back to lurking and keep my curiosities to myself.
|
|
#
?
Apr 7, 2017 07:27
|
|
|
Leon Trotsky 2012 posted:BWM: Paying $10 for access to a forum so you can backhandedly gloat about your high income for 4 pages instead of posting BWM content. 33% gross but don't despair, i recently fixed the situation by quitting my job which means i now use negative infinity of my paycheck on housing. If i live on the street and don't have an income, do i then technically spend 0% to own the world? GWM
|
|
#
?
Apr 7, 2017 12:45
|
|
|
Leon Trotsky 2012 posted:BWM: Paying $10 for access to a forum so you can backhandedly gloat about your high income for 4 pages instead of posting BWM content. At this point, you've paid less than 0.3 cents per post for almost 5,000 posts. It's not even your 2 cents worth anymore! You've made great use of your $10 investment.
|
|
#
?
Apr 7, 2017 13:49
|
|
|
ChickenOfTomorrow posted:PS if economics is a science then the field's refusal to give any time to alternative economic models when discussing the crises of capitalism is that field's version of climate change denial. But like real science is only concerned with one dimension, man. The problem with other economic models is that in practice they don't listen to economists. China has a Communist/Capitalist hybrid and cooks their books. Venezuela had a chief economist who said printing billions of extra bolivars didn't cause inflation. There are plenty of economists who talk positively about quasi-Socialist policies in Europe. But that's still mostly capitalism because capitalism is largely a product of freedom. Anything with excessive government control isn't going to listen to scientists, economic or otherwise (see how Global Warming is approached in authoritarian regimes).
|
|
#
?
Apr 7, 2017 14:06
|
|
|
I am at 9% of gross for my half of rent, if you include my gf's salary our total rent is 14% of gross. BWM I might have to pay double rent next month since we're moving.
|
|
#
?
Apr 7, 2017 14:21
|
|
|
I've noticed that there are three things that lead young men to make terrible BWM decisions. 1) Drugs 2) Women 3) Unironic use of the word "hella" This guy has them all. *Notes: His primary "job" was drug dealing and his girlfriend that told him to stop was unemployed. So, she was good with morals, but probably BWM. He also "never agreed on" the exact rent his roommate would pay and is too scared to talk to him, so he just lives there for free now. quote:[21yo] College Student, REALLY messed up BAD... Not sure what to do and need to vent/help https://www.reddit.com/r/personalfinance/comments/632kuy/21yo_college_student_really_messed_up_bad_not/
|
|
#
?
Apr 7, 2017 14:26
|
|
|
I hope you're kidding and derail bird isn't actually homeless 
|
|
#
?
Apr 7, 2017 14:44
|
|
|
That guy doesn't actually seem to be in too bad of shape assuming he can get his poo poo together with regard to spending. Like, he has vastly less debt than the average graduating senior, and while he has some CC debt, his expenses are near 0 because of his prepaid rent. Assuming he can get his guns sold, he should be able to make it out of this with some cool stories and hopefully not too much long term damage done. I wonder what his employment prospects are following the end of his degree?
|
|
#
?
Apr 7, 2017 14:50
|
|
|
EAT FASTER!!!!!! posted:That guy doesn't actually seem to be in too bad of shape assuming he can get his poo poo together with regard to spending. Like, he has vastly less debt than the average graduating senior, and while he has some CC debt, his expenses are near 0 because of his prepaid rent. Yeah, if anything, the lesson of the story is that drug-dealing in college is GWM if you never get caught. He's be very screwed otherwise.
|
|
#
?
Apr 7, 2017 14:56
|
|
|
Leon Trotsky 2012 posted:Yeah, if anything, the lesson of the story is that drug-dealing in college is GWM if you never get caught. He's be very screwed otherwise. My roommate in college started dealing pot to pay his $400 underage drinking ticket
|
|
#
?
Apr 7, 2017 15:28
|
|
|
A pox upon whoever it was that asked goons about their housing costs. Glad that inspired like 4 pages of people rushing to post about how amazing they are. https://www.reddit.com/r/personalfinance/comments/63x0jz/need_help_ripped_off_by_car_dealership/ quote:So this was my first car purchase from a dealership. I found something for $13,100. I had a down payment of $4000, I also had a cosigner with excellent credit (800+) I agreed to the $13,100 with the sales rep, he then has to take it to the finance guy to get everything figured out. I wait nearly two hours to finally be rushed into a room with a man that says great I managed to get you a 5% interest rate and a bumper to bumper warranty! So I'm thinking awesome this is great, by now its closing time and he throws a stack of paperwork at me and makes me sign tons of papers probably 10+ and explains nothing. So in my mind I'm thinking the car was listed at 13,100 plus tax and fees probably 14,500 or something plus my down payment would knock it down to 10,500...well I get home and read the pile of paperwork, turns out I paid $3000 for that warranty plus $500 for GAP insurance plus $600 for wheel and tire protection, and I am now finacing $14,500! with a total cost of $18,500! I immediately called him back and asked him why the hell I paid all this extra no one told me about. He tells me well without it your interest rate would of been much higher I think he said 9% so he says he saved me money lowering my interest rate. He says this is due to banks being more willing to loan knowing their investment is protected. So I do some calculating and it just is not adding up. If I didn't buy all these warranties I should of only financed $10,500 maybe $11,000 at most and even with a 20% interest rate I would still pay way less than what I am paying now. So any advice on how to approach this he tells me he can switch it but it would make my payments go from $239/mo to $280/mo. Which doesn't make sense on a $10,500 loan with 9% interest for 6 years why I would pay $280 a month. Please any advice I am stuck here and don't have a clue what to do! Thanks! BWM: Not reading what you're signing. It also seems likely that the co-signer was his wife's grandmother and he rushed through signing everything because he didn't want to keep her waiting. Woops.
|
|
#
?
Apr 7, 2017 15:31
|
|
|
Best part of that one was they said something like "Well it would have taken me an hour to read it all, not the 15 minutes you said." First reply: $5000 per hour is a pretty good wage.
|
|
#
?
Apr 7, 2017 15:38
|
|
|
When I got my car MY GIRLFRIEND was with me and getting progressively sicker as the day went on cuz she had caught the flu but didn't start getting sick until we were already at the dealer. I still carefully read all the tons of documents and made sure I understood everything as fully as I could while she found a quiet place in the back to lay down and try not to throw up I'm such a good guy 
|
|
#
?
Apr 7, 2017 16:01
|
|
|
ate all the Oreos posted:I hope you're kidding and derail bird isn't actually homeless He isn't homeless but he doesn't live with us anymore. Over time, he became increasingly aggressive toward anyone who wasn't me. When I got pregnant, I knew that I wouldn't be able to give him enough attention while also needing to protect my newborn baby from his attacks. We found him a new home with a bird crazy lady who was so in love with her toucans, she was currently adding a sunroom to her home, just to have a nicer place for their cages. I get the occasional update from her. He's still a cantankerous little beast, but I think he is in a much happier place.
|
|
#
?
Apr 7, 2017 16:14
|
|
|
haha that guy got loving turbo owned by every lame rear end car dealer trick in the book
|
|
#
?
Apr 7, 2017 16:16
|
|
|
Am I wrong that he got screwed on that interest rate in addition to all the overselling? What is the average car loan rate now? My credit union only goes about 5% if you are buying a used car and your credit is under 550, and I am guessing they aren't the most competitive.
|
|
#
?
Apr 7, 2017 16:30
|
|
|
Ashcans posted:Am I wrong that he got screwed on that interest rate in addition to all the overselling? What is the average car loan rate now? My credit union only goes about 5% if you are buying a used car and your credit is under 550, and I am guessing they aren't the most competitive. If you've got good credit, you should never pay more than 2% on a car loan right now: https://www.penfed.org/Auto-Loans-Overview/#tabs-2 Manufacturers usually beat this with .9% offers, or you can take the cash rebate and just run with that 1.5% APR from penfed.
|
|
#
?
Apr 7, 2017 16:32
|
|
|
Worst loan you can get from my CU is 8% but the car's gotta be older than 2007 or have more than 115k miles.
|
|
#
?
Apr 7, 2017 16:33
|
|
|
Ashcans posted:Am I wrong that he got screwed on that interest rate in addition to all the overselling? What is the average car loan rate now? My credit union only goes about 5% if you are buying a used car and your credit is under 550, and I am guessing they aren't the most competitive. The interest rate is a bit higher than it should be (tough to tell without a lot more information, though), but keep in mind used auto loan rates go way, way up on anything older than five years.
|
|
#
?
Apr 7, 2017 16:35
|
|
|
KYOON GRIFFEY JR posted:haha that guy got loving turbo owned by every lame rear end car dealer trick in the book I wonder what it was like in the dealership breakroom after that one. I'm not exactly in the corner of rear end in a top hat car dealerships by any means but I am definitely in the corner of tasty schadenfreude.
|
|
#
?
Apr 7, 2017 16:51
|
|
|
Barry posted:A pox upon whoever it was that asked goons about their housing costs. Glad that inspired like 4 pages of people rushing to post about how amazing they are. Totes was me, I didn't realize what I was doing until it was already done. Leon Trotsky 2012 posted:I've noticed that there are three things that lead young men to make terrible BWM decisions. Not the best material you've brought in. This is less BWM and more "naivety of poor but unavoidable life decisions." This person double majored, paid off major debt, narrowly avoided prison, and now they have poo poo that everyone deals with in life. Since they're no longer living as a criminal, but got a good taste of the rich benefits of criminality-- now they suddenly think they're poor and BWM.
|
|
#
?
Apr 7, 2017 18:10
|
|
|
Barry posted:I wonder what it was like in the dealership breakroom after that one. I'm not exactly in the corner of rear end in a top hat car dealerships by any means but I am definitely in the corner of tasty schadenfreude. Probably the same maniacal laughing that occurs in the oval office behind closed doors.
|
|
#
?
Apr 7, 2017 18:16
|
|
|
Yeah considering his rent is paid up for another ten months and he paid off 32k of student loans, I really thought he could have done worse. Maybe stopping was BWM, but it probably will be good for life. The 10k vacations and 4k boat are silly but they were well within his means when he got them. Hard to call him dumb for helping out his family. His worst thing is probably not telling his roommate to pay rent.
|
|
#
?
Apr 7, 2017 18:17
|
|
|
John Smith posted:Edit: For content. My colleague quitted her job to go on a 8 months honeymoon for a trip of a lifetime. Now, she is back and the company apparently no longer has a position available for her. Local economy isn't doing that great right at this moment either. Jesus. How many people actually do this trip of a lifetime bullshit? I poo poo you not, I have a colleague who worked for this company for 7 years. He quit a couple weeks ago to travel for a year. We were all "why don't you just take a sabbatical?" Nope. Just up and quit. Sold most of his stuff, is currently living in Virginia in a commune thing until his passport comes in so he can travel the world. I wish him only the best. I really thought this poo poo only happened in movies. Goddamn young people.
|
|
#
?
Apr 7, 2017 18:21
|
|
|
CmdrRiker posted:Totes was me, I didn't realize what I was doing until it was already done. CmdrRiker, I demand that you declare me winner by virtue of technical knockout. topenga posted:Goddamn young people. John Smith fucked around with this message at 18:29 on Apr 7, 2017 |
|
#
?
Apr 7, 2017 18:25
|
|
|
topenga posted:I poo poo you not, I have a colleague who worked for this company for 7 years. He quit a couple weeks ago to travel for a year. We were all "why don't you just take a sabbatical?" Nope. Just up and quit. Sold most of his stuff, is currently living in Virginia in a commune thing until his passport comes in so he can travel the world. I wish him only the best. I really thought this poo poo only happened in movies. He's probably going to come back a vastly different person, so it kinda makes sense in a "start your life over and figure out what makes you happy" sort of way. I wish I had the (audacity*?) to do that. I just get bogged down by the "sense of duty and obligation" and the, y'know, lack of way to pay for it. John Smith posted:I think I was cheated of my victory. Subjunctive, EAT FASTER!!!!!! and Fuzzy Mammal were the only posters who came in lower than me. But Subjunctive and EAT FASTER!!!!!! fully paid off their mortgages while Fuzzy Mammal had a long note. Thus, their payments were nowhere near their imputed rent, whereas my figures were for rental at free-market rates. DONE. CmdrRiker fucked around with this message at 18:30 on Apr 7, 2017 |
|
#
?
Apr 7, 2017 18:26
|
|
|
topenga posted:Sold most of his stuff, is currently living in Virginia in a commune thing until his passport comes in so he can travel the world. He's not living in Yogaville is he?
|
|
#
?
Apr 7, 2017 19:17
|
|
|
CmdrRiker posted:He's probably going to come back a vastly different person, so it kinda makes sense in a "start your life over and figure out what makes you happy" sort of way. I wish I had the (audacity*?) to do that. I just get bogged down by the "sense of duty and obligation" and the, y'know, lack of way to pay for it. Oh yeah, he probably will. This was his first job out of college (I think). So yeah, dude, go forth and explore. All us old people with mortgages and poo poo are jealous as hell.  monster on a stick posted:
I have no idea. Is Yogaville bad?
|
|
#
?
Apr 7, 2017 19:24
|
|
|
|
| # ? May 31, 2024 12:11 |
|
|
I know nothing about it except the name but I can already tell you with 100% certainty that yes, "yogaville" is bad.
|
|
#
?
Apr 7, 2017 19:31
|
|