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Poor gal. Everyone knows renting a cat is a waste of money. I like how she knows her answer before she even asks, though. Higgy fucked around with this message at 17:26 on Jun 7, 2017 |
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Jun 7, 2017 16:30
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BWM: rent-to-own cats
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Jun 7, 2017 16:36
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Barry posted:Remember when we started this new thread, all young and full of life, with the expectation that it would be a BWM only posting utopia? Moderation would be judicious, people wouldn't be dumbasses, life would be good. I miss those days. Her post history also indicates that: - She paid for nutritional advice and was convinced that she was only eating 900-1,000 calories a day, but she was gaining weight (she was 5 foot 4 and 250 pounds, but even the skinniest person is not going to gain weight on 900 calories. Also, it is not a good idea to only eat 900 calories.) - She was asking reddit for career advice on how to break into the anime/manga writing industry as a 35-year old woman with no experience, but a lot of exposure to the product. - Doesn't want to move back with her mom, because she is an atheist and her mom is religious. - 70k in student loan debt, with no degree, for a private art school for video game graphic design - Uses Uber Eats for food because going to the grocery store gives her too much anxiety. - Doesn't like the idea of using medication or therapy for mental illness. - Says she "needs" cable and a landline + cellphone. I think she needs to get her mental health issues sorted and stop trying to argue atheism with her mom first and then worry about the rest. It would be bad if she was 25, but 36 is really late to deal with all this stuff.
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Jun 7, 2017 16:39
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https://www.reddit.com/r/personalfinance/comments/6fsb9b/dad_has_almost_a_quarter_million_in_stocks_is/quote:My dad ran a succesful business and sold it when he was 40. The past few years he's been investing his money in a brokers account, mainly because he wanted his money to make himself money, and because he enjoyed following the markets and reading about markets. Guy loses $85,000 in a bull market. Shorts the S&P 500 with 2x leverage. lol
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Jun 7, 2017 16:43
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I love how people trot out "but it's my dream car!!" to use as an excuse to buy some $25k Miata convertible or whatever. Aim a little higher, people.
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Jun 7, 2017 16:46
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OctaviusBeaver posted:https://www.reddit.com/r/personalfinance/comments/6fsb9b/dad_has_almost_a_quarter_million_in_stocks_is/ Shorted the S&P 500 and the rest of his individual stocks are all in gold/silver/mining. His dad is probably subscribed to Infowars and the Ron Paul Newsletter.
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Jun 7, 2017 16:48
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Barry posted:I love how people trot out "but it's my dream car!!" to use as an excuse to buy some $25k Miata convertible or whatever. Aim a little higher, people. Is there ever honestly a situation where it doesn't make more sense for someone trying to get a handle on spending and really, really has their heart set on keeping some sports car isn't better off selling it, and buying the same model year used if/when their finances stabilize? It's almost never some rare or collectible car, just let someone else eat the depreciation while you can't afford it.
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Jun 7, 2017 17:47
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Barry posted:I love how people trot out "but it's my dream car!!" to use as an excuse to buy some $25k Miata convertible or whatever. Aim a little higher, people. I know someone who bought her dream car. It was a Mercury Mountaineer. A discontinued Ford Explorer variant. 
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Jun 7, 2017 17:55
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OctaviusBeaver posted:https://www.reddit.com/r/personalfinance/comments/6fsb9b/dad_has_almost_a_quarter_million_in_stocks_is/ He seems to be doing otherwise ok: quote:Alright, I'm not 100% on this, but if memory serves this is what he's worth: Sounds like the kind of guy who should just stick to what he knows (which isn't the stock market.) Not sure why you'd buy Cameco right now even though it's dirt cheap.
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Jun 7, 2017 17:57
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Barry posted:I love how people trot out "but it's my dream car!!" to use as an excuse to buy some $25k Miata convertible or whatever. Aim a little higher, people. I'd say it's a good thing for someone's dreams to be relatively affordable, though.
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Jun 7, 2017 18:08
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I just want to be able to afford that avocado on toast. 
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Jun 7, 2017 18:19
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Leon Trotsky 2012 posted:Her post history also indicates that: Wow, you actually went really deep into their post history. I'm pretty numb to the idea of buying a car that is way out of a reasonable budget proportional to a person's net income. At this point it's even weirder when someone doesn't do that.
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Jun 7, 2017 18:21
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22 Eargesplitten posted:I'd say it's a good thing for someone's dreams to be relatively affordable, though. Sure, but when it's used as an excuse to overextend their budget it has the opposite effect.
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Jun 7, 2017 18:38
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CmdrRiker posted:Wow, you actually went really deep into their post history. I'm numb to stupid car spending as well, but getting a car that is 120+% of your gross income (when you already have a paid off car) is still pretty impressively bad.
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Jun 7, 2017 18:39
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https://www.reddit.com/r/personalfinance/comments/6fuvg2/truck_rental/quote:Monthly truck payments = $1200
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Jun 7, 2017 18:39
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This it the part where that cretin comes in and creeps through all your recent posts to tell us about the kind of car you bought for your wife, so be careful posting about cars!
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Jun 7, 2017 18:44
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Not really anything good enough to post, but there have been 3 posts on /r/personalfinance in the last week that had people asking for advice about their 30-year fixed rate mortgage with interest rates between 4.8% and 5.3%. How is it even possible to get an interest rate that bad? And why would you lock yourself in to a 5.3% mortgage?!?
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Jun 7, 2017 18:46
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2017 F250 Diesel, the perfect road trip vehicle.
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Jun 7, 2017 18:49
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monster on a stick posted:He seems to be doing otherwise ok: Probably because it's dirt cheap. People see it's under $10 and think they can get a 600% return if it bounces back up to it's all time highs.
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Jun 7, 2017 18:53
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Leon Trotsky 2012 posted:Not really anything good enough to post, but there have been 3 posts on /r/personalfinance in the last week that had people asking for advice about their 30-year fixed rate mortgage with interest rates between 4.8% and 5.3%. Are these for refis or new mortgages? Late 2000's, early 2010's, that would have been a reasonable rate depending on when you got it. If it's for a new mortgage, they're getting boned.
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Jun 7, 2017 19:30
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Barry posted:Are these for refis or new mortgages? Late 2000's, early 2010's, that would have been a reasonable rate depending on when you got it. New. First time home-buyers. I know they are getting boned, but it is baffling that anyone would end up with a 5.3% mortgage. Even just a cursory google will tell you that it is out of the norm. Let alone 3 different people getting it and none of them bothered to ask if that was okay until AFTER they got their mortgage.
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Jun 7, 2017 19:37
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Leon Trotsky 2012 posted:New. First time home-buyers. Are they standard loans or jumbo? I've got a jumbo loan that's right at 4% but I'm re-financing later this year to get that poo poo down into the low 3s (unless the fed goes hog wild).
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Jun 7, 2017 19:39
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Dick Nipples posted:Are they standard loans or jumbo? Standard. 2 of the 3 were for between 175k and 210k.
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Jun 7, 2017 19:46
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Leon Trotsky 2012 posted:Standard. Wow. drat. Rates have only gone up like... 0.25 in the first quarter? Maybe less. I can't remember. Prior to that, pretty stagnant.
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Jun 7, 2017 19:48
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quote:I thought he was doing fine because he told me he sold stocks that were making him a profit and kept the ones that were doing bad Lol
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Jun 7, 2017 21:37
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Me, reading that sentence: 
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Jun 7, 2017 22:10
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It's all paper losses. <panic sells everything, now has fewer slips of paper>
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Jun 7, 2017 22:12
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John Smith posted:I would love to see a photoshop of a horse tow truck! What would that be like? A big rear end draft horse pulling along a tiny pony??? This with a horse trailer rather than an rv? 
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Jun 7, 2017 22:39
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Of course there's an American flag on it.
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Jun 7, 2017 22:43
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Leon Trotsky 2012 posted:New. First time home-buyers. I mean quite honestly you should stop being so surprised at financial illiteracy. If you stopped people on the street and quizzed them on current interest rates what do you think you'd hear?
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Jun 7, 2017 23:48
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Hoodwinker posted:Of course there's an American flag on it. Honestly, I was expecting a rebel flag...
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Jun 7, 2017 23:52
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Staryberry posted:This with a horse trailer rather than an rv? I can only assume the cauldron(?) hanging from the bottom is below the turlit in the rv.
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Jun 7, 2017 23:53
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KingSlime posted:that's a great story but poor, naive girl I always love stories that involve someone mouthing off to the judge. That person basically threw away 2 grand because they were a greedy idiot with a naive friend.
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Jun 7, 2017 23:57
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Staryberry posted:This with a horse trailer rather than an rv? Is this bad or good with money? On one hand, great gas mileage, on the other...horses AND and RV. I'm torn. I wish that was all towing a boat, that might tip the scales a little.
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Jun 8, 2017 01:29
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Higgy posted:Is this bad or good with money? On one hand, great gas mileage, on the other...horses AND and RV. I'm torn. I wish that was all towing a boat, that might tip the scales a little. I think you'd be hard, hard pressed to operate a horse at a cheaper cost per mile than a reasonable car even under the best of circumstances.
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Jun 8, 2017 01:31
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AreWeDrunkYet posted:I think you'd be hard, hard pressed to operate a horse at a cheaper cost per mile than a reasonable car even under the best of circumstances.  Another reddit gem but at least he's asking before jumping: quote:Hi all, I am from Vancouver, Canada; currently on a $35,000 salary and have roughly $80,000 saved away in my bank account if I cash in my TFSA TD mutual funds. No student loans or any loans to speak of. Makes $35K, $80K in the bank and wants to go to law school. He can totally fund his tuition but he doesn't want to come out of it with nothing so he'll invest in real estate, take out a mortgage, and take on $80K in student loans for a total of $100K in debt (presumably). Then go to law school while working a job and being a landlord I guess? I mean yeah, it could work but it just seems like a lot of work for not much gain to me.
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Jun 8, 2017 01:47
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Higgy posted:Is this bad or good with money? On one hand, great gas mileage, on the other...horses AND and RV. I'm torn. I wish that was all towing a boat, that might tip the scales a little. That's the most Amish thing I've seen in a long time. Car is likely not an option, and with the lifestyle, life skills and breeds involved those horses most definitely are less expensive than a car if I'm right.
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Jun 8, 2017 01:52
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Think those are mules aren't they? Or was that the joke?
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Jun 8, 2017 01:54
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Higgy posted:Makes $35K, $80K in the bank and wants to go to law school. He can totally fund his tuition but he doesn't want to come out of it with nothing so he'll invest in real estate, take out a mortgage, and take on $80K in student loans for a total of $100K in debt (presumably). Then go to law school while working a job and being a landlord I guess? At the height of a bubble no less....
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Jun 8, 2017 01:57
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Solice Kirsk posted:Think those are mules aren't they? Or was that the joke? They look like standardbred trotters to me, which is part of why I'm suggesting Amish.
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Jun 8, 2017 02:00
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