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CheesyDog
Jul 4, 2007

by FactsAreUseless
Ironically most poverty is caused by the staggering expense of weekly B12 vitamin shots

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Tiny Brontosaurus
Aug 1, 2013

by Lowtax

Leon Trotsky 2012 posted:

This is not even remotely close to true. There are systemic reasons why significant weight loss is difficult for lots of people, but the laws of thermodynamics come into play for everyone.

It is ridiculously bad for your health and money to be fatalistic about your weight and to tell yourself that it is physically impossible to become healthy.

and this is the one hand-wringers just reflexively reject, no matter how many studies reach the same conclusion, because it conflicts with puritanical values

Bonus points for working in "thermodynamics," the talismanic phrase for the entire "ME BRAIN SIMPLE WHY NOT WORLD SIMPLE?" crowd. Metabolism is not a wood-fired stove, dimmo. Things are complicated whether you like it or not.


"Thermodynamics" is to weight loss as "Household finance" is to the federal budget. It sounds refreshingly logical as long as no one in the conversation has any idea what they're talking about.

Pryor on Fire posted:

"being frail and weak" as if that's just a thing you "be" when you get old. Ever notice how there are two types of old people around you, the miserable perpetually sick fucks and the people who ran their whole life?

The ultimate bad with money: diabetes and heart disease.

This is a ways back but incidentally, holy poo poo this is horrifically ignorant and ableist. You're moralizing about aging. Have you heard of cancer? Childbirth? Lifelong ramifications of childhood starvation? Bad rolls of the dice? Grueling work schedules that don't allow for a daily jog? Human decency?

Tiny Brontosaurus fucked around with this message at 21:26 on Jun 28, 2017

Leon Trotsky 2012
Aug 27, 2009

YOU CAN TRUST ME!*


*Israeli Government-affiliated poster

Tiny Brontosaurus posted:

Metabolism is not a wood-fired stove, dimmo. Things are complicated whether you like it or not.

Unless you are in the sub-1% of the population that has an extreme thyroid disorder or one of a couple chromosomal disorders, then there is no metabolism that will prevent you from losing weight.

Metabolism fluctuations for more than 98% of the population are within 100-180 calories at rest at the highest levels.

No doctor would give the advice you are giving to a medically obese patient.

Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!
Jesus christ this whole thread is ableist against people who can't control their spending

Nail Rat fucked around with this message at 21:28 on Jun 28, 2017

Tiny Brontosaurus
Aug 1, 2013

by Lowtax

Leon Trotsky 2012 posted:

Unless you are in the sub-1% of the population that has an extreme thyroid disorder or one of a couple chromosomal disorders, then there is no metabolism that will prevent you from losing weight.

Metabolism fluctuations for more than 98% of the population are within 100-180 calories at rest at the highest levels.

No doctor would give the advice you are giving to a medically obese patient.

Things are complicated whether you like it or not. It's extremely telling that you think I'm talking about "slow metabolism" and not the fact that formerly-fat bodies are not the same as never-fat bodies. But you're a loving idiot literally every chance you get so why be surprised. Looking forward to you comparing national infrastructure spending to your grocery bill.

What "advice" am I giving, incidentally? The only thing I ever tell people to do in here is not be godawful hateful sacks of poo poo. Do you think that's advice you might ever try following?

Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!

Tiny Brontosaurus posted:

What "advice" am I giving, incidentally? The only thing I ever tell people to do in here is not be godawful hateful sacks of poo poo. Do you think that's advice you might ever try following?

No one's said a single thing saying that fat people are bad people or that it's not incredibly difficult to make lifestyle changes. You are projecting imaginary assertions onto the people you're attacking.

All your posts add up to saying that a fat person should not try to lose excess weight that adds to health risks and costs, because you're arguing with people who have literally said NOTHING besides that.

Also you're once again the only person who is calling people stupid and launching expletives at them. How are you not the hateful one?

Hoodwinker
Nov 7, 2005

pig slut lisa posted:

I wish I hadn't just changed the thread title cause I love this too
Feel free to keep it in your hat for later.

Tiny Brontosaurus
Aug 1, 2013

by Lowtax

Nail Rat posted:

No one's said a single thing saying that fat people are bad people or that it's not incredibly difficult to make lifestyle changes. You are projecting imaginary assertions onto the people you're attacking.

If you're going to tell bullshit lies in here why not tell a fun one like how I'm a billionaire jewess who murders homeless people?

Nail Rat posted:

All your posts add up to saying that a fat person should not try to lose excess weight that adds to health risks and costs, because you're arguing with people who have literally said NOTHING besides that.

Good lord you edit your posts a lot. "Literally NOTHING" I have said has been anything close to that. I'm saying don't judge people you loving horrible, pathologically-judgmental bullies, because you don't know people's lives and solutions to problems don't magically become simple just because you don't feel like thinking about them very hard.

My entire point in the beginning was someone very easily could be following the "just lose 5%" advice and you would have no way to tell, so you'd be judging someone who's behaving exactly like you think they should.

Just quit being loving horrific people, it is really not that hard. This thread doesn't have to be the cesspool of hate it always is.

Tiny Brontosaurus fucked around with this message at 21:36 on Jun 28, 2017

Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!

Tiny Brontosaurus posted:

If you're going to tell bullshit lies in here why not tell a fun one like how I'm a billionaire jewess who murders homeless people?

Show me where one person said fat people are bad people on the last two pages or that it's easy to lose weight.

Jeffrey of YOSPOS
Dec 22, 2005

GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Leon Trotsky 2012 posted:

This is not even remotely close to true. There are systemic reasons why significant weight loss is difficult for lots of people, but the laws of thermodynamics come into play for everyone.

It is ridiculously bad for your health and money to be fatalistic about your weight and to tell yourself that it is physically impossible to become healthy. Every doctor in the world would tell you that giving people that advice is actively harming them.
It is statistically true - for most folks eating a modern diet, weight gain is permanent, and it should generally be modeled as such. As a society, for whatever reason, we decided that huge portions of the country gaining weight all at once was a collective failure of personal responsibility, and not, you know, an ongoing systemic problem with our understanding of nutrition and a failure to instill correct values. (Or perhaps, successfully instilling incorrect values.) All sorts of things could explain the causes here but one thing is pretty clear - generalizing from the outlier example of a person who has lost a lot of weight blinds us from attempting to figure out the actual cause in lieu of fruitlessly banging the personal responsibility hammer.

I mean, they have done twin studies where they carefully regulate the amount of activity and food people eat in a closed environment. Each pair of twins tends to gain or lose the same amount, but the variance between pairs is large. Ignoring genetic variance here is foolishness. Combine that with the ongoing, uh, "mental load" of poverty and it's not really hard to see why, by and large, the amount of people who successfully lose a lot of weight is tiny.

Ghostnuke
Sep 21, 2005

Throw this in a pot, add some broth, a potato? Baby you got a stew going!


Tiny Brontosaurus posted:

If you're going to tell bullshit lies in here why not tell a fun one like how I'm a billionaire jewess who murders homeless people?

Here's one: TB is a great poster and I enjoy every one of her posts

Tiny Brontosaurus
Aug 1, 2013

by Lowtax

Nail Rat posted:

Show me where one person said fat people are bad people on the last two pages or that it's easy to lose weight.

You've got eyes, use them.

pig slut lisa
Mar 5, 2012

irl is good


pig slut lisa posted:



Please post about people being bad with money in the Bad With Money thread

canyoneer
Sep 13, 2005


I only have canyoneyes for you
https://www.reddit.com/r/personalfinance/comments/6k2dap/us_tx_dad_53_is_about_to_do_something_that_might/
Insurance(US TX) Dad (53) is about to do something that might get him killed, told me to look into life insurance "just in case" (self.personalfinance)
submitted 2 hours ago by Marin993

quote:

My dad is about to do some crazy kayaking trip down the coast and he's like "maybe I should look into a life insurance policy first..." He wants to go in July. Are there any options? I told him it was probably too late to get anything legitimate.

In all the years of life insurance being sold, surely this has never come up before and the insurance providers do not have a plan for it!

https://www.reddit.com/r/personalfinance/comments/6k19mj/former_heroin_addict_now_with_85k_i_want_to_start/
Former Heroin Addict now with $85K. I want to start flipping (self.personalfinance)
submitted 5 hours ago * by gchbsf

quote:

I'm a 29m, no kids, divorced, former heroin addict & 3 years sober. Went through a divorce with high school/college sweet heart, fell into suicidal depression, was fired from a $55K salary 9-5, went from happy hour to heroin. Got arrested and charges dropped on technicality but woke up and wanted to get straight. I reside in FL(of course).
Three years ago I had $800 and "friend 1" loaned me $3500 for 30ft travel trailer which resides on "friend 2's" uncles 15 acre property. Its been a very nice way to live, escape, and save money but I look forward to buying a house in next year.
As of 06/28/17:
Assets: $85,000 in cash, $3,500 in trailer, $4,000 in undeveloped land 2 hrs away, $5,000 in a 401K, $3,000 in HSA, $14 lab mix(probably should be a liability), $2000 lovely 2007 toyota(will be replaced by 2019 with used car), and $2000 in outdoor gear(at used prices).
Expenses: Monthly Expenses: $50 gym, 100 rent, and $90 car insurance.
Equity: I have zero credit and just applied for my first credit card.
Income: 9-5 is $50K (2017 Goal w/ performance bonus: $70K), employment will pay for grad school. Side hustle: marketing consulting $7k yr and did weekend landscaping for a year and half to stay busy.
"Friend 1" & "Friend 2" both own successful (but small) construction companies (interior build out and roofing) and want to start an LLC for flipping in between jobs. They can provide labor and materials at cost and split profits equally by money invested. They have cash but don't want to sink a ton of working capital in as they have big jobs coming up with slow paying obligees.
My questions are: What is the target profit per sq ft and target profit % for flipping a house? Any ways to avoid/ minimize capital gains? Cheap single family homes vs multifamily ROI for flipping and renting out?
I expect housing inventory will meet demand in 2-3yrs in FL and price will stabilize or go down. As of today I would like to flip homes for two years and then wait for prices to drop and buy multi-families as rentals. Is this feasible given current market and capital gains?
What are blind spots I should be aware of?

Hmm, taking $85k of cash into real estate flipping with two friends that definitely aren't just trying to offload risk, what could go wrong?

Bhodi
Dec 9, 2007

Oh, it's just a cat.
Pillbug

CheesyDog posted:

Ironically most poverty is caused by the staggering expense of weekly B12 vitamin shots

That story is the most ridiculous thing because my friend is B12 deficient, like his intestines don't absorb it properly or something, and he got tired of going to the doctors at $40 a pop so he instead ordered a bottle from canada for $8/1000mg. It's not a controlled or restricted substance in any way, it's a vitamin, so it's not illegal or shady to import. And it's a muscle shot so you can just buy insulin needles at the pharmacy and give yourself injections once a month and I think it works out to around $3 a shot

Bhodi fucked around with this message at 21:54 on Jun 28, 2017

Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!
I'm not sure why exactly his divorce years ago/heroin tailspin also years ago is material to the flipper's question :confused:

monster on a stick
Apr 29, 2013

https://www.reddit.com/r/personalfinance/comments/6jyk9e/lent_money_to_a_friendnow_what/ posted:

Lent Money to a Friend...now what?

A friend of mine recently became unemployed and asked for some money until he found another job. He said his prospects were good, and he had a lot of interviews over the next two weeks. He also said he was still going to get another paycheck from his last company, so he would be able to pay me back by x date. So I went ahead and gave him an interest free $2400 loan.

Now, almost one month past x date, he admits to me that he lost all the money gambling at a casino.
He also says he still hasn't gotten paid, and he has not heard back from any of his interviews yet (and I know he actually went to these interviews). What can I do if he doesn't pay me back? I have nothing in writing, but I do know who his former employer is, and they are weeks late paying him what he's owed on his last paycheck (assuming that's true). Is there any way I can recoup this money legally, or at the very least report this as a loss on my taxes to the IRS?

Leon Trotsky 2012
Aug 27, 2009

YOU CAN TRUST ME!*


*Israeli Government-affiliated poster

Nail Rat posted:

I'm not sure why exactly his divorce years ago/heroin tailspin also years ago is material to the flipper's question :confused:

It's a cry for help to let us know that flipping houses with his two friends is not the first time he has tried to destroy his finances.

Hoodwinker
Nov 7, 2005

Nail Rat posted:

I'm not sure why exactly his divorce years ago/heroin tailspin also years ago is material to the flipper's question :confused:
From what I've seen in PF threads it's that people with a storied past tend to get more advice. Makes them seem like an underdog.

Chadzok
Apr 25, 2002

Bhodi posted:

That story is the most ridiculous thing because my friend is B12 deficient, like his intestines don't absorb it properly or something, and he got tired of going to the doctors at $40 a pop so he instead ordered a bottle from canada for $8/1000mg. It's not a controlled or restricted substance in any way, it's a vitamin, so it's not illegal or shady to import. And it's a muscle shot so you can just buy insulin needles at the pharmacy and give yourself injections once a month and I think it works out to around $3 a shot

GWM

canyoneer
Sep 13, 2005


I only have canyoneyes for you

Bhodi posted:

That story is the most ridiculous thing because my friend is B12 deficient, like his intestines don't absorb it properly or something, and he got tired of going to the doctors at $40 a pop so he instead ordered a bottle from canada for $8/1000mg. It's not a controlled or restricted substance in any way, it's a vitamin, so it's not illegal or shady to import. And it's a muscle shot so you can just buy insulin needles at the pharmacy and give yourself injections once a month and I think it works out to around $3 a shot

I'm in the US. 6 years ago before my family had decent health insurance, it was cheaper to get birth control through a Canadian online pharmacy with an uninsured cash price than it was to buy it from our local pharmacy.
I think it was about $45/month instead of $160/month.

Kinda a weird gray market process, because you had to fax/scan your scrip from your local doctor to a pharmacy in Canada, and a pharmacist up there would fill it and drop it in the mail.
They of course didn't do painkillers or the sorts of drugs that have potential for abuse.
It's not legal to reimport drugs, but I think they figure that law enforcement resources in the US were probably more interested in going after people in the opiates or meth trade instead.

RheaConfused
Jan 22, 2004

I feel the need.
The need... for
:sparkles: :sparkles:
I have the same b12 absorption issue and my insurance covers it.

Although when I was getting a refill from a new doctor, he rolled his eyes and said, "just take oral b12!" And then I reminded him of the actual medical issue.

In Austin, during music festivals, people set up carts and sell b12 shots at like $25 each to "treat your hangover!" They pull in money hand over fist.

Guest2553
Aug 3, 2012


Solice Kirsk posted:

So serious question here. How many people would be interested in doing a sort of BWM themed "Advice" book where we all take a specific chapter (investing, day trading, mortgages, etc) and write just the worst ideas we have about them and try to get it published by a reputable publisher under a pen name?

I'd want to get in on this faster than a luxury train car towed by bridal horses

Solice Kirsk
Jun 1, 2004

.

Guest2553 posted:

I'd want to get in on this faster than a luxury train car towed by bridal horses

Sounds like we have our first chapter title.

Haifisch
Nov 13, 2010

Objection! I object! That was... objectionable!



Taco Defender
Chapter 2: Getting your train car & horses on a boat so you can ship them to a nice man in Nigeria in exchange for some bitcoins.

monster on a stick
Apr 29, 2013
Chapter 3: Own the number of horses you think a rich person would own

22 Eargesplitten
Oct 10, 2010



RheaConfused posted:

I have the same b12 absorption issue and my insurance covers it.

Although when I was getting a refill from a new doctor, he rolled his eyes and said, "just take oral b12!" And then I reminded him of the actual medical issue.

In Austin, during music festivals, people set up carts and sell b12 shots at like $25 each to "treat your hangover!" They pull in money hand over fist.

There was someone at Costco selling this B12 drink as more powerful than a cup of coffee. I smiled and nodded. Just like the person who claimed the coconut oil popcorn was low in saturated fat.

I think the B12 drink came out to like $3 for 16 ounces, for the BWM side of things.

22 Eargesplitten fucked around with this message at 01:04 on Jun 29, 2017

Hoodwinker
Nov 7, 2005

monster on a stick posted:

Chapter 3: Own the number of horses you think a rich person would own

This one is my favorite.

curufinor
Apr 4, 2016

by Smythe

Jeffrey of YOSPOS posted:

It is statistically true - for most folks eating a modern diet, weight gain is permanent, and it should generally be modeled as such. As a society, for whatever reason, we decided that huge portions of the country gaining weight all at once was a collective failure of personal responsibility, and not, you know, an ongoing systemic problem with our understanding of nutrition and a failure to instill correct values. (Or perhaps, successfully instilling incorrect values.) All sorts of things could explain the causes here but one thing is pretty clear - generalizing from the outlier example of a person who has lost a lot of weight blinds us from attempting to figure out the actual cause in lieu of fruitlessly banging the personal responsibility hammer.

I mean, they have done twin studies where they carefully regulate the amount of activity and food people eat in a closed environment. Each pair of twins tends to gain or lose the same amount, but the variance between pairs is large. Ignoring genetic variance here is foolishness. Combine that with the ongoing, uh, "mental load" of poverty and it's not really hard to see why, by and large, the amount of people who successfully lose a lot of weight is tiny.

I mean, there is a grand and manipulable important variable, which is basically "what society you live in". Immigrants to los estados unidos reliably and systematically gain a fuckton of weight: immigrants to the Netherlands or Japan from way fatter countries reliably and systematically lose some weight. Koreans vs Korean Americans is 4% obesity vs 25% obesity by American standards, in a drat homogeneous gene pool

So you could still have a drat manipulable fatness variable without personal responsibility

(USER WAS PUT ON PROBATION FOR THIS POST)

Hotel Kpro
Feb 24, 2011

owls don't go to school
Dinosaur Gum
https://www.reddit.com/r/personalfinance/comments/6fy4pr/parents_have_been_charging_me_rent_555_for_over/

This one sadly got removed but I found it cached

quote:

In Feb for 2014, both me (24 at the time) and my brother (26 at the time) had to start paying my parents rent. I think it's bullshit that they gave him 2 more years free than they gave me, but they just say, "Well, life's not fair." But that's beside the point.

$555 is what I'm supposed to be paying per month. I pay my own phone bill ($40), food, car ($230) every month. I make about $300 a week. I go to school part time and work part time. Recently, they added up everything I've paid them and realized that I'm $4440 short. My parents are in no way poor. I don't have $4440 lying around. I feel like they're holding me back, and my girlfriend and I are trying to find a place together to live.

It's gotten to the point where I've started to resent them because of the two years my brother got free on me and because if they started charging me two years after charging him, I'd actually have much more money saved than I do. I put $800 back in the past couple months into the cryptocurrency Ethereum, and that's grown to a total of about $8200 at the time of typing this. If I pull out half now and the price rises as it's expected to, that $4400 I pull out would be worth much, much more in the coming months. But if they hadn't started charging me rent until two years after my brother, I would have had the money to had invested more into it back when I did. They've lost me hundreds of thousands of dollars by not waiting to the two years to charge me.

My parents keep talking about how I don't spend enough time with them and they don't feel close to me. We're supposed to take a family vacation to Colorado in mid-July. They said, "I really think you should go too. We wanna spend time with you while we have it." But with them hanging the rent over my head as well, I cannot afford to take a week off of work for the trip.

I'm going off topic and ranting a bit, but I've been absolutely stressed.

brugroffil
Nov 30, 2015


canyoneer posted:

https://www.reddit.com/r/personalfinance/comments/6k2dap/us_tx_dad_53_is_about_to_do_something_that_might/
Insurance(US TX) Dad (53) is about to do something that might get him killed, told me to look into life insurance "just in case" (self.personalfinance)
submitted 2 hours ago by Marin993


In all the years of life insurance being sold, surely this has never come up before and the insurance providers do not have a plan for it!

https://www.reddit.com/r/personalfinance/comments/6k19mj/former_heroin_addict_now_with_85k_i_want_to_start/
Former Heroin Addict now with $85K. I want to start flipping (self.personalfinance)
submitted 5 hours ago * by gchbsf


Hmm, taking $85k of cash into real estate flipping with two friends that definitely aren't just trying to offload risk, what could go wrong?

This guy actually seems to be doing pretty drat good for a divorced 29 year old recovering heroin addict

Tiny Brontosaurus
Aug 1, 2013

by Lowtax

Literally groaned "oh NO" out loud when I got to the etherium part. But I don't know what he should do regarding his parents demanding rent. It's easy to get scornful about adult children living at home but gently caress, he's only making 300 a week. If he's in school he probably can't get a full-time job, if one's even available to him. gently caress. I hope the guy didn't lose his life savings in the etherium crash.

BWM IRL: I just got back from a coffee shop where two men, one middle aged and one young, were openly colluding on some kind of sports gambling scheme involving bitcoin and IP blockers and making numerous ten dollar bets to hide something from the bookies. If anybody knows more about gambling I'd love to hear speculation about what the hell they were trying to pull.

yoloer420
May 19, 2006

Doc Hawkins posted:

I know people who regularly go on backhaul cruises to get work done, especially writing. That's when the cruise ships are just getting moved between ports. Backhauls aren't advertised as cruises: there are no stops, way fewer activities, and frequently the crew are all trainees. But the companies sell tickets to defray their costs. If you're interested in puttering across the ocean for a week or two with all your meals for $60 a day...well, it seems better-with-money than some resorts.

As somebody who writes and enjoys boats this sounds ideal. Where are these fares advertised?

Motronic
Nov 6, 2009

yoloer420 posted:

As somebody who writes and enjoys boats this sounds ideal. Where are these fares advertised?

You can find them pretty easily by searching for the correct term. They are called "repositioning cruises."

Solice Kirsk
Jun 1, 2004

.

Motronic posted:

You can find them pretty easily by searching for the correct term. They are called "repositioning cruises."

Hello life hack. Are you allowed to bring your own booze on the boat? If so then two pairs of jammy pants, two sleeveless t-shirts, a pair of swim trunks, my kindle, and four bottles of Blackwell's rum are in my future.

pig slut lisa
Mar 5, 2012

irl is good


I'd like to invite you all to take a step back in time with me and participate in Ye Olde Bad With Money Tournamente

silence_kit
Jul 14, 2011

by the sex ghost

Solice Kirsk posted:

Are you allowed to bring your own booze on the boat?

I've never been on a cruise, but I suspect that's like asking if you are allowed to bring your own popcorn and snacks to the movie theatre.

Krispy Wafer
Jul 26, 2002

I shouted out "Free the exposed 67"
But they stood on my hair and told me I was fat

Grimey Drawer
No, cruises won't allow you to bring your own booze. Like, they search your bags for bottles of Scope mouthwash with the cap already opened and the contents replaced with vodka. There's a whole market in fake bottles to slip past gate agents and even those get caught regularly according to a friend who has tried it multiple times.

You can buy a bladder that goes down your leg and hide all your booze in there. That's pretty GWM and your toddies come out warm and toasty.

Doc Hawkins
Jun 15, 2010

Dashing? But I'm not even moving!


Motronic posted:

You can find them pretty easily by searching for the correct term. They are called "repositioning cruises."

I can believe that. :shobon:

The only site I know off the top of my head is https://cruisesheet.com/

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Solice Kirsk
Jun 1, 2004

.
Sounds like the market is ripe for the invention of an alcohol in solid form, that becomes liquid in the presence of ice and Diet Coke, that can be formed into the shape of a deflated beach ball. Why has no one thought of this before?

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