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So you drunklenly gave your credit card to a stripper and are surprised at the outcome? https://www.reddit.com/r/personalfinance/comments/6dp57u/card_dispute_and_possible_collections_attempt_help/ quote:First of all, I apologize if this is the best sub to post this in, so if there is a better one to post this in please let me know. Second, for the sake of discussion let's concede that what follows is a result of naivety and alcohol-fueled stupidity.
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May 27, 2017 20:57
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gently caress that sanctimonious rear end in a top hat and I hope he loses more money somehow
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May 27, 2017 21:09
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Noctone posted:gently caress that sanctimonious rear end in a top hat and I hope he loses more money somehow I'm sure he was acting like a prince, blind drunk and thrown out of a strip club.
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May 27, 2017 21:18
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lol this took place in NOLA? He's lucky they didn't just stomp him the gently caress out when he started bitching.
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May 27, 2017 21:20
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https://twitter.com/NewYorker/status/868587697098588160
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May 27, 2017 23:04
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People who spend more than 10 minutes at ATMs, what are you doing?quote:trying to decide exactly how much i take out. my bank charges me 5$ a withdrawal (ridiculous) so i always start doubting what i should actually take out. i owe a lot of medical debts to my state, and im just paranoid theyll discover my bank account one day, if they havent already looked for it (i always do "free" ER and give old information) so as soon as i get paid, i pay my bills and then withdraw everything else. also all my bills are due on days i have money but more important things need payed or bought. my finances are pretty simple to me, but they annoy the heck out of all my utilities and bills and stuff. i know i can pay all my bills 1 month late so im pretty crafty about when i pay my bills, and theres never been an issue, other then their systems try to auto collect my money before i want them to have it.
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May 28, 2017 01:09
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hahaha what the hell, that's one of the most insane things I've heard of in quite a while
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May 28, 2017 01:13
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Now I want to hear about his foolproof poker/blackjack system.
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May 28, 2017 01:22
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SpelledBackwards posted:Now I want to hear about his foolproof poker/blackjack system. Did you creep his post history? 1 day old account, first post: quote:I stopped getting carded at the casino. Just dawned on me after the last few times I went. Like clockwork, I always reach for my wallet for years now....but now the security just opens the door for me, without even a second glance at me. I assume it's all a joke? I hope?
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May 28, 2017 04:10
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It's probably a joke but you know there are people that dumb out there
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May 28, 2017 04:57
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quote:He started telling his colleagues that he was going to retire soon. “They’d say, ‘That’s pretty neat. But I have three kids.’ Or: ‘I like horses.’ ” Heh.
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May 28, 2017 13:00
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Of course they like horses but they really like consumerism.quote:His co-workers continued to borrow money, to buy road bikes, granite countertops, and enormous TVs. I keep seeing this in P2P lending. People have a house, they decide to borrow $40k to do work on their house and buy more stuff for the new space. That's a pretty typical comment in the loan market all for a low interest rate of 13%-15% over 5 years. Including people saying they deserve a holiday, or they need to take the kids on a holiday for $25k with 5 year repayments. The gently caress kind of holiday are they going on for that sort of money when they need to borrow? This is a debt consolidation comment. quote:This loan will allow us to pay off some debt and have a lower repayment amount and interest than we are currently paying and also allow us to install a fire place for the winter. Yeah for debt consolidation let's get that interest rate to 13.25% and borrow more to install a fire place. Amount required: $58k.
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May 29, 2017 01:01
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quote:He started telling his colleagues that he was going to retire soon. “They’d say, ‘That’s pretty neat. But I have three kids.’ Or: ‘I like horses.’ ” Well, what does he expect them to do when they already have three kids? I'm pretty sure most cultures frown upon giving kids up for adoption just so you can retire in your '40s. As for horses, that's actually the big criticism many people have with his blog. Speaking out against wanton consumerism is good. Implicitly defining "wanton consumerism" to include any hobby more expensive than yours (even if one can easily afford it) is bad.
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May 29, 2017 02:08
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Whenever someone in my life mentions MMM, this is the article I link them. http://www.mrmoneymustache.com/2014/06/23/how-to-carry-major-appliances-on-your-bike/
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May 29, 2017 02:14
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Cockmaster posted:defining "wanton consumerism" to include any hobby more expensive than yours (even if one can easily afford it) this is half the posts in this thread  for real though I love this thread especially the half which is not that
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May 29, 2017 02:16
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Cockmaster posted:Well, what does he expect them to do when they already have three kids? I'm pretty sure most cultures frown upon giving kids up for adoption just so you can retire in your '40s. Yeah and he has some advantages that aren't universal, like living in a location/climate that allows him to live car-free relatively easily. His advice would be "just move," which is both not cheap and structurally impossible once you hit tragedy-of-the-commons adoption rates. And then of course there's the ablebodiedness to be able to bike everywhere, and the good luck to have a healthy family that doesn't need expensive medical care. And he makes like 400k a year, so doing well financially is actually not that much of a feat. Frugality can become an obsession like anything else and it has the unfortunate side effect of turning people into assholes. I've had a lot of fun nights out ruined by friends circling the block waiting for a free spot to open up instead of just paying a few bucks for parking and getting on with enjoying life. Money is a tool for obtaining security and pleasure, and after a certain point saving becomes hoarding.
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May 29, 2017 02:18
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Blinkman987 posted:Whenever someone in my life mentions MMM, this is the article I link them. How do you want to spend your retirement? Riding around on my bike with a trailer attached and an oven on it. FREEDOM! Tiny Brontosaurus posted:Frugality can become an obsession like anything else and it has the unfortunate side effect of turning people into assholes. I've had a lot of fun nights out ruined by friends circling the block waiting for a free spot to open up instead of just paying a few bucks for parking and getting on with enjoying life. Money is a tool for obtaining security and pleasure, and after a certain point saving becomes hoarding. I have a family member who is still being frugal at 88. I've encouraged him to liquidate some assets and enjoy the money. When you are uncertain of how many years you have left why not enjoy them rather than just having a hoard of millions in assets? Devian666 fucked around with this message at 02:41 on May 29, 2017 |
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May 29, 2017 02:35
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Tiny Brontosaurus posted:Yeah and he has some advantages that aren't universal, like living in a location/climate that allows him to live car-free relatively easily. I never read any of his stuff. Apparently he lives in Longmont, Colorado? He must either be a masochist, reckless, or really, really, really unhealthily obsessed with saving money to ride a bike everywhere in Colorado winter. It's not Minnesota, but it still gets cold and slick. Or does he live a five minute walk from work? Actually I guess at this point his job is online, huh? Yeah, I could live carless too if I never had to go to work, lived a short bike ride away from a grocery store, and never wanted to visit anyone living in another city.
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May 29, 2017 02:43
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Devian666 posted:How do you want to spend your retirement? Riding around on my bike with a trailer attached and an oven on it. FREEDOM! At that point they stop saving for a comfortable retirement and start saving for their heirs. So essentially they're serial-savers and nothing you can say will change them.
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May 29, 2017 02:51
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Wasn't MMM the one who refused to get his kid braces because they cost too much money? Kicking medical issues down the road so rather than costing a decent amount of money they cost a ton, but it's no longer your financial responsibility: GWM. Braces prevent further problems, right? They aren't just cosmetic?
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May 29, 2017 03:06
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Krispy Kareem posted:At that point they stop saving for a comfortable retirement and start saving for their heirs. So essentially they're serial-savers and nothing you can say will change them. I've been working on him for a few years. He wants to buy a new RV, he was already thinking of selling one of his many houses to pay off a mortgage for his son. There's plenty left over for his kids. He brought up the topic and I gave him an ok because there's lots of benefits with no downside (except his heirs might be down 3-4% at some later date).
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May 29, 2017 03:19
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22 Eargesplitten posted:Braces prevent further problems, right? They aren't just cosmetic? Most orthodontics are just cosmetic.
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May 29, 2017 03:27
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22 Eargesplitten posted:Wasn't MMM the one who refused to get his kid braces because they cost too much money? Kicking medical issues down the road so rather than costing a decent amount of money they cost a ton, but it's no longer your financial responsibility: GWM. Depends where you get them. A friend of mine with TMJ got braces to fix it and his ortho said most of his clients were 35 year old women who got braces for teeth that looked right as a teenager, but were actually causing jaw misalignment that led to later problems. If you go to a good ortho, good. If you go to a toddlers in tiaras ortho, bad.
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May 29, 2017 03:37
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22 Eargesplitten posted:Braces prevent further problems, right? They aren't just cosmetic? They prevent speculative future problems but in most cases are overwhelmingly cosmetic only. The "problem" they prevent is crooked teeth, that being an actual problem is debatable and up to the individual. They are not a standard part of childhood in many western countries.
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May 29, 2017 03:37
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also, medically necessary braces are often covered by insurance, especially for children it's just that, as has been mentioned, it's purely cosmetic and entirely unnecessary in the overwhelming majority of cases
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May 29, 2017 03:43
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Ah, okay. I was under the impression they were used for things being hosed up to the point they would cause damage or pain down the line, like why you get your wisdom teeth pulled.
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May 29, 2017 03:46
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Tiny Brontosaurus posted:Yeah and he has some advantages that aren't universal, like living in a location/climate that allows him to live car-free relatively easily. His advice would be "just move," which is both not cheap and structurally impossible once you hit tragedy-of-the-commons adoption rates. Duh, just hit your parents up for a interest-free loan, or embezzle the money from your financial executive job, with the good old boy club pretending not to notice until you replace the funds you took a few years down the line. 
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May 29, 2017 03:51
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22 Eargesplitten posted:Ah, okay. I was under the impression they were used for things being hosed up to the point they would cause damage or pain down the line, like why you get your wisdom teeth pulled. Funny story: that's also unnecessary until they cause actual problems. Plenty of adults walking around with wisdom teeth. It's just easier to remove them in youth, but that's still for speculative reasons.
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May 29, 2017 03:52
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Considering the social stigma with bad teeth in America, braces might be the best investment a parent can make in their child's future. After hitting a point in earnings, paying for parking / valet / toll roads / etc... is also extremely GWM on many occasions, especially on dates and such when there are other people to consider other than one's self. Basically, any time you can trade a small amount of money to buy time-- especially when the ceiling on amount of time is unknown-- is best with money.
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May 29, 2017 07:30
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Given what a complete bitch the removal process seems to be for a lot of people I'm always a little puzzled why people go in on it and get them all taken out without any actual problems. I don't think its standard in most of the world, it seems to be a very American thing (hence the jokes about British teeth - in Britain it was much more typical to only address things like alignment if they are actual problems, not for purely comestic reasons).
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May 29, 2017 15:00
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Scudworth posted:They prevent speculative future problems but in most cases are overwhelmingly cosmetic only. Yeah, I'm pretty sure I had heard somewhere that that's what spawned the stereotype of British people having bad teeth - only using orthodontics where they're likely to be medically necessary.
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May 29, 2017 15:22
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I've heard British teeth are due to non-fluorinated water, so I'm not entirely sure it's just a lack of braces. I didn't do braces for my kids, although they both had retainers/head gear to fix overbites and underbites. Putting my oldest in head gear was expensive, but at least it looked funny.
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May 29, 2017 15:55
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Krispy Kareem posted:I've heard British teeth are due to non-fluorinated water, so I'm not entirely sure it's just a lack of braces. Crazy paranoid towns that remove fluoridation pf water supply: BWM but mostly evil because it mostly affects the poor and gives them one more barrier to overcome.
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May 29, 2017 16:06
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British people actually have less cavities and missing teeth than Americans and other affluent countries but far fewer cosmetic procedures than Americans. It's sort of a hard question to evaluate however because dental health in general is improving and there is a lot of cultural and socioeconomic variability in how often people go to the dentist etc.
BEHOLD: MY CAPE fucked around with this message at 16:13 on May 29, 2017 |
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May 29, 2017 16:10
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I have a couple teeth that are farther apart than the rest so there is a bigger gap between them - floss doesn't "pop" in like it does with the rest of my teeth. Food tends to get stuck in there more often, if I go too long without flossing that's the first spot where my gums get sensitive, and that area has had more cavities than the rest of my mouth. So I would think that if you have bad teeth alignment but forego braces, you will have more areas like that in your mouth and you will generally have more problems with your teeth and gums because of all those areas.
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May 29, 2017 16:29
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BEHOLD: MY CAPE posted:British people actually have less cavities and missing teeth than Americans and other affluent countries but far fewer cosmetic procedures than Americans. It's sort of a hard question to evaluate however because dental health in general is improving and there is a lot of cultural and socioeconomic variability in how often people go to the dentist etc.
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May 29, 2017 16:32
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cowofwar posted:I imagine the inequality distribution is greater in the US than UK and that oral health measures reflect that quite drastically given that Doctors Without Borders pulls a lot of teeth in have-not US regions. It's something like this: http://www.npr.org/sections/thesalt/2013/09/12/221845853/mountain-dew-mouth-is-destroying-appalachias-teeth I suspect that Appalachia skews a lot of public health numbers for the country as a whole.
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May 29, 2017 17:21
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Droo posted:I have a couple teeth that are farther apart than the rest so there is a bigger gap between them - floss doesn't "pop" in like it does with the rest of my teeth. Food tends to get stuck in there more often, if I go too long without flossing that's the first spot where my gums get sensitive, and that area has had more cavities than the rest of my mouth. Use soft picks if you are too lazy to floss. I can go through my entire month in 30 seconds and I do it twice a day. You should still floss daily because cavities = BWM. https://www.amazon.com/GUM-632-Gum-Soft-Picks/dp/B001F0OMPS?th=1
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May 29, 2017 17:28
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Blinkman987 posted:Considering the social stigma with bad teeth in America, braces might be the best investment a parent can make in their child's future. Given that society is getting more and more shallow, with looks outranking all other attributes, I'd be willing to bet that the numbers show that the cost of getting your teeth straightened as a child results in a ROI of at least 1,000% over your lifetime, given the higher earning potential.
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May 29, 2017 18:18
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Scudworth posted:Funny story: that's also unnecessary until they cause actual problems. Plenty of adults walking around with wisdom teeth. It's just easier to remove them in youth, but that's still for speculative reasons. This is why people don't trust doctors  I was told they were going to start impacting around age 21, so I got them out. Two weren't going to yet, but the doctor said they would in a few years and I might as well get them out at the same time.
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May 30, 2017 01:26
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