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Hello BWM fam, Just a reminder to limit the self-posts please. Hello, and welcome to the Bad With Money Thread 2.0! (The previous thread can be found here) This thread is BFC's home for poking fun at the wide world of Bad With Money (BWM): six figure earners who live paycheck to paycheck, poetry majors with $120K in student loan debt, Silicon Valley venture capital flops, and everything in between. Well...almost everything. Having solicited feedback from the previous thread, I heard from over two dozen posters about what they'd like this thread to be. It is not my intention to squelch this thread under the weight of a thousand complex rules, but I think providing some basic guidelines offers clarity on how I will moderate this thread. Therefore, without further ado, here are the BWM thread guidelines: Things that could get you probated This list includes actions that could get you probated. I say could because, as always, funny/informative/interesting posts are always welcome in BFC. However, the following types of posts usually don't add enough value relative to the trouble they cause:
Other guidelines
The Derail Bird Resource Center http://i.imgur.com/g68X651.gifv http://i.imgur.com/f8bq31k.gifv Old thread titles: My main man I've got three words for you: time-share horse https://forums.somethingawful.com/showthread.php?threadid=3819120&pagenumber=323&perpage=40#post481271507 cleaning my guns with essential oils https://forums.somethingawful.com/showthread.php?threadid=3819120&userid=0&perpage=40&pagenumber=345#post481779049 100% of our AR-15s beat their 5-year Lipper average https://forums.somethingawful.com/showthread.php?threadid=3819120&userid=0&perpage=40&pagenumber=351#post481989645 saw the word Horse today https://forums.somethingawful.com/showthread.php?threadid=3819120&userid=0&perpage=40&pagenumber=367#post482543597 100k bridesmaids dresses = mass murder/suicide. if IRA is so effective then why aren't everybody rich? holy loving poo poo only paid in crypto In Des Moines chat, I 420 co-sign an auto loan erryday (page 420) Should I keep trying to get a job or get a truck? My parents have a Money Guy that I can work with, if that helps there was some kind of disagreement in this loving supply chain Asking for a friend, what could nipple lumps be? Gourd With Money 2018: We'll make the loan payments using the money from the loan #BatWithMoney: 40% Off: Animal Reiki Practitioner Certification #BatWithMoney: Someday robots will be able to buy horses they can't afford. #BatWithMoney: My only option I had was to pursue a YouTube career. I pay $250 in BTC every 3 months to mod in BFC Mal avec de l'argent 2018: Le petit mortgage Somebody fucked around with this message at 04:07 on Dec 24, 2018 |
# ? May 2, 2017 05:00 |
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# ? May 15, 2024 03:08 |
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Here's an It Came From Reddit that made me break out into a cold sweat: Unable to match after med school, 260k in debt a dead man posted:I graduated from a medical school in the Caribbean last year, and was unable to match into a residency. As you might know, you are unable to practice medicine if you can't get into a residency. So my degree is completely useless. That's all my fault Over a quarter million dollars on a degree he can't use. Serious question, is there anything he can do besides, like, fake his own death?
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# ? May 2, 2017 05:15 |
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More importantly how terrible do you have to be to not get a match with any program? And yes I know the stigma of Caribbean grads is those who got rejected in the states
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# ? May 2, 2017 05:17 |
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Virtue posted:More importantly how terrible do you have to be to not get a match with any program? And yes I know the stigma of Caribbean grads is those who got rejected in the states I don't know much about med school - is it common to not match? Does he get a second chance?
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# ? May 2, 2017 05:20 |
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Tiny Brontosaurus posted:I don't know much about med school - is it common to not match? Does he get a second chance? And even if you are a Canadian who trained in the Caribbean who matched in the UK or something you will face many expensive and trying challenges trying to move your practice back to your home country. Should've been a nurse and made bank with overtime domestically. cowofwar fucked around with this message at 05:37 on May 2, 2017 |
# ? May 2, 2017 05:34 |
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Edit: Ignore this post. Didn't realize the guy was from Canada
Virtue fucked around with this message at 05:41 on May 2, 2017 |
# ? May 2, 2017 05:38 |
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Where the gently caress is the rule about Hawaiian Shirt Fridays
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# ? May 2, 2017 05:43 |
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GoGoGadgetChris posted:Where the gently caress is the rule about Hawaiian Shirt Fridays
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# ? May 2, 2017 05:58 |
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Surely the guy with the medical degree from the University of American Samoa (go Landcrabs!) can get a job as a researcher or something.
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# ? May 2, 2017 06:04 |
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Why aren't there any Caribbean residencies? Don't they have hospitals?
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# ? May 2, 2017 06:09 |
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Tiny Brontosaurus posted:Why aren't there any Caribbean residencies? Don't they have hospitals? Because their entire industry is built around fleecing Americans who didn't get into med school in the US. e: From 2013-2014: https://www.washingtonpost.com/news...m=.723627898b49 xsf421 fucked around with this message at 06:18 on May 2, 2017 |
# ? May 2, 2017 06:16 |
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Tiny Brontosaurus posted:Why aren't there any Caribbean residencies? Don't they have hospitals? That's not what these schools are for and you can't practice in the US or Canada without training there. According to this article from February, 94% of US med school graduates match while 54% of Caribbean med school graduates match. They're everything bad about those for-profit technical schools times ten: they take students American schools reject, charge them out the rear end, and dump them with a degree they can't use.
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# ? May 2, 2017 06:23 |
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Luigi Thirty posted:That's not what these schools are for and you can't practice in the US or Canada without training there. According to this article from February, 94% of US med school graduates match while 54% of Caribbean med school graduates match. They're everything bad about those for-profit technical schools times ten: they take students American schools reject, charge them out the rear end, and dump them with a degree they can't use. xsf421 posted:Because their entire industry is built around fleecing Americans who didn't get into med school in the US. Thanks to you both! What do Caribbean locals who want to be local doctors do though?
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# ? May 2, 2017 06:26 |
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Tiny Brontosaurus posted:Thanks to you both! What do Caribbean locals who want to be local doctors do though? Cuba has free medical schools that will gladly teach motivated poor people from around the Caribbean and send them back to their home towns ready to be a family doctor. These schools are entirely to scam dumb Americans.
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# ? May 2, 2017 06:31 |
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I'm glad there's a new thread because the last one broke Amazon's brain
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# ? May 2, 2017 07:05 |
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Luigi Thirty posted:That's not what these schools are for and you can't practice in the US or Canada without training there. According to this article from February, 94% of US med school graduates match while 54% of Caribbean med school graduates match. They're everything bad about those for-profit technical schools times ten: they take students American schools reject, charge them out the rear end, and dump them with a degree they can't use. I'm legitimately surprised the number is as high as 54% and honestly for terrible life decisions you could do worse than a coin flip.
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# ? May 2, 2017 07:10 |
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I dated a girl who did the Caribbean but for nursing (lol how bad does that transcript have to be) but I guess nurses are needed so badly that she got a job here in LA at a real hospital in West Hollywood.
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# ? May 2, 2017 07:39 |
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Soma Water is bad with money. linking to the comments because the guys site is down due to high load https://www.reddit.com/r/dataisbeautiful/comments/68lkhq/soma_water_filters_are_worthless_how_i_used_r_to/ tldr: guy does a blinded test and shows Soma Waters are doing poo poo all. Tursn out they're astroturfing the poo poo out of amazon reviews: http://fakespot.com/product/soma-sustainable-pitcher-and-plant-based-water-filter quote:Our engine has profiled the reviewer patterns and has determined that there is high deception involved. $30 for a water bottle, lol.
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# ? May 2, 2017 08:37 |
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Hello thread I'm going to use this opportunity to repost my favorite reddit thread of all time: https://www.reddit.com/r/legaladvice/comments/3l77wy/ny_got_a_job_at_a_pizzeria_only_paid_in_gift/ "[NY posted:Got a job at a pizzeria, only paid in gift certificates for the pizzeria. Is this legal?"] And another of my favorites: https://forums.somethingawful.com/showthread.php?threadid=3792330&userid=0&perpage=40&pagenumber=115#post466191293 HORSE TIME SHARE "My [24F posted:just had to stand up financially to my [30F] sister and my [56F] mom."]
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# ? May 2, 2017 11:58 |
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On that note, let me post three of the four best BWM-related SA threads of all time. 4. Scammed by dealership, and I'm taking it to the news, wherein a dumbass teenager hotfoots it to his local Nissan dealership and signs a contract he neither read nor understands and that he trusted the dealer to explain to him. 3. Decreasing credit lines, increasing interest rates, and bankruptcy., wherein a dumbass alcoholic college student explains why bankruptcy is the most appropriate course of action and why won't you mean goons stop telling me I'm a drunk? 2. YEAR, n. A period of three hundred and sixty-five disappointments (zaurg's first thread). Seriously, you have to just spend a weekend reading through it. 1. The Zaurg story: you really are revolting (zaurg's second thread). It was such a "goon in a well" scenario come to life that the mods took pity on the readership and gassed it. If you don't hate humanity enough after reading his first thread, read this one over another weekend. Make sure to put all weapons out of reach beforehand. Those with high blood pressure should not read this thread. Honourable mention: The Cornholio Thraed, wherein a BWM goon sees the light and makes a full conversion to GWM status and forum legend. edit: Thanks to Scudworth for linking me to the missing zaurg threads. Also, I didn't put Slow Motion in here because I bailed out of reading that one after 10 pages or so and TBH have no idea what went down. Weatherman fucked around with this message at 03:22 on May 3, 2017 |
# ? May 2, 2017 12:12 |
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Praise be to the promiscuous porcine woman for putting together the new thread rules. Also for introducing me to this.
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# ? May 2, 2017 13:03 |
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Some 2013 history and we have forsaken it. Oh god, no!
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# ? May 2, 2017 13:19 |
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Weatherman posted:On that note, let me post three of the four best BWM-related SA threads of all time. I haven't read the "Scammed by dealership" thread in forever! All of these are fantastic.
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# ? May 2, 2017 13:44 |
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I don't know if I can link to it without an upgrade, but if we're memorizing peak BWM on the first page of the new thread, Slow Motion deserves a mention. E: Like a Train Wreck in Slow Motion (AKA tripping balls at the opera) (Thanks Nail Rat) antiga fucked around with this message at 18:21 on May 2, 2017 |
# ? May 2, 2017 14:44 |
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I remember reworking the text scroll from the Butcher quest-giver in Diablo to fit the "scammed by the dealership" complaint. Sadly, the image from the original thread has been lost to time.
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# ? May 2, 2017 14:47 |
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A coworker was bragging to me about how he'd just been in the Caribbean, how beautiful it was down there, etc. Then he mentioned that he was there to visit his daughter in vet school... I'd heard that there were reject med schools down there, but vet schools?
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# ? May 2, 2017 14:59 |
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https://www.reddit.com/r/personalfinance/comments/68swpl/just_leased_a_cpo_15_lexus_gs350_two_months_ago/quote:So when me and my ex split I had to trade in her car which I co-signed on. Negative equity was like 9k.. and I didn't have the cash available (tax season) so I traded my paid off '14 Charger as well to absorb the hit. Dumbass impulsively leases an expensive Lexus that he doesn't like and now his grand plan to get out of it is to roll it into a $61k @ 7% loan on a Charger, for which he'll be paying ~$1200/month. Cars.
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# ? May 2, 2017 15:10 |
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Edit: Beaten ^^^^^^^^^
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# ? May 2, 2017 15:25 |
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I have been reviewing that Cornholio thread and now this it just literally makes me want to grab people by the shoulders and shake them while I scream "CARS!" in their face, over and over again.
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# ? May 2, 2017 15:29 |
If you're going to pay that much for a Charger, why not just go ahead and get a Challenger?
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# ? May 2, 2017 15:30 |
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Fitzy Fitz posted:A coworker was bragging to me about how he'd just been in the Caribbean, how beautiful it was down there, etc. Then he mentioned that he was there to visit his daughter in vet school... Yup. Slightly better situation than med school in that you don't need to match afterward in order to use your very expensive degree (internships/residencies are not required for veterinarians unless you want to be a specialist). Still pretty BWM though--on average, debt loads are much higher coming out of the Caribbean (though this map shows that cost of attendance everywhere is incredibly high for a profession where starting salaries are about $65k), and there is definitely a stigma about the students being not as good to begin with, and the schools being less than amazing as well. Numbers for vet school in general: Average student debt is roughly $150K, $170K if you only look at those graduating with debt (ie exclude those fortunates who don't have any), and for the Caribbean, probably 1.5-2X that, but it's very difficult to get the Caribbean data other than scattered anecdotes about people screwed by their $400K debt loads.
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# ? May 2, 2017 15:44 |
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Weatherman posted:On that note, let me post three of the four best BWM-related SA threads of all time. The totally legit goon-run BoxMystery is also a classic BWM thread.
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# ? May 2, 2017 15:58 |
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Weatherman posted:On that note, let me post three of the four best BWM-related SA threads of all time. Where's Slow Motion's thread? edit: I'm beaten, but at least I can answer my own question. Like a Train Wreck in Slow Motion (AKA tripping balls at the opera) Nail Rat fucked around with this message at 16:07 on May 2, 2017 |
# ? May 2, 2017 16:03 |
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I’m Renting a Dog?quote:After her family’s shiba inu died of cancer, Dawn Sabins decided to surprise her 7-year-old son with a new puppy. In March 2015, she dropped into a San Diego-area pet store looking for an English bulldog. She walked out with a golden retriever. quote:The Sabins had bought their new dog, Tucker, with financing offered at the pet store through a company called Wags Lending, which assigned the contract to an Oceanside, California-based firm that collects on consumer debt. quote:“I asked them: ‘How in the heck can I owe $5,800 when I bought the dog for $2,400?’ They told me, ‘You’re not financing the dog, you’re leasing.’ ‘You mean to tell me I’m renting a dog?’ And they were like, ‘Yeah.’ ” quote:One cat lover described buying a Bengal kitten from a breeder in Jacksonville, Florida, at a sticker price of $1,700—then learning they were on the hook for 32 monthly payments of $129, or about $4,100. “They explained to me that not only was this not a loan but a lease in which I would either have to continue making these payments or return the animal,” the customer wrote in a November 2015 complaint. “Also this cat is ruining my credit score.” quote:Wunderlich dreamed up Wags Lending in 2013, then used the pet-leasing business to launch an improbable collection of financing vehicles—writing leases against furniture, wedding dresses, hearing aids, and custom auto rims.... In another idea that never reached the market, he explored lease financing for funerals. (https://www.bloomberg.com/news/features/2017-03-01/i-m-renting-a-dog)
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# ? May 2, 2017 16:12 |
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The Something Awful Forums > Discussion > Ask / Tell > Business, Finance, and Careers > Also this cat is ruining my credit score.
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# ? May 2, 2017 16:20 |
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Holy poo poo. Everything about that is the worst. Those selected passages are just the tip of the iceberg.
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# ? May 2, 2017 16:25 |
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Do any of you guys remember the thread where a guy bought a Toyota FJ for some ungodly sum? That was my favorite dealership story. Good times. And didn't Wags Lending just go out of business? The only thing that would've made that business model more evil would be a provision explicitly offering no guarantee the dog wouldn't be put down at the end of the lease or upon default. Preferably in bold print and highlighted on each month's statement. Really motivate the borrower to pay. Krispy Wafer fucked around with this message at 16:30 on May 2, 2017 |
# ? May 2, 2017 16:26 |
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Hyrax Attack! posted:I’m Renting a Dog? Old and also RIP Wags Lending: https://www.inforuptcy.com/filings/nvbke_362954-3-17-bk-50480-wags-lending-llc
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# ? May 2, 2017 16:30 |
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monster on a stick posted:The totally legit goon-run BoxMystery is also a classic BWM thread. Keep in mind these mystery boxes cost $30: quote:Yea I got completely ripped off as well. Here is the entirety of my box:
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# ? May 2, 2017 16:40 |
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# ? May 15, 2024 03:08 |
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If you are falling for this in 2017 you are bad with life.quote:I'm seeking information on how to go about seeking legal actions. My wife saw a craigslist ads for a 2008 Toyota RAV 4 for 2,000 dollars. It was to good to be true. Long story short, they told my wife a story about how her husband died and she was trying to get rid of the vehicle. She said she lived in Montana. she told us she was using Amazon to sell her car. Instructions were sent to purchase amazon gift cards in order to purchase the vehicle. A few days later the lady emailed my wife saying she would need another 1000 dollars as insurance deposit. And that the car would be shipped Monday. We even received what we thought were order confirmations from Amazon but when we called amazon to confirm all this they had no record. They also mentioned they had been receiving phone calls about the same situation. They also said there was nothing they can do about getting our money back. Please reddit if you could steer me in the right direction. If you need any more info don't hesitate to ask. Thanks guys.
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# ? May 2, 2017 16:53 |