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SquirrelFace posted:Not surprisingly, he is a huge trump fan... I'm kinda legitimately curious as to how he'll feel about trump after he's totally underwater in all those mortgages in a few years when the economy naturally fluctuates down and trump's policies can't deal / make it worse. I mean I assume it's just going to be blamed on obama or something somehow since people are incapable of self-reflection 
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Jul 18, 2017 22:38
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potatoducks posted:What do seasonal employees do during the offseason? Work a different job with a different season? Ski instructor- mtb/hillwalking guide- ski instructor isn't uncommon and would easily fill a year assuming you stay in the same country. You can always travel to the opposite hemisphere and offer your services, Australia and NZ both have decent slopes, South America can be an option too. Spring to autumn could easily be filled with agriculture too, lambing, fruit picking etc. A lot of these jobs involve being in the right place at the right time though. Then there are the various landscaping/gardening jobs that pick up in this period too, I could easily see a ski instructor also being an arborist. Many of these jobs don't appeal to students as they'd rather be doing an internship and/or not doing manual labour.
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Jul 19, 2017 00:26
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Remember when McDonalds published a sample budget for employees? Just pay $600 in rent, EASY
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Jul 19, 2017 00:50
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I'm the $20 you're spending on health insurance.
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Jul 19, 2017 00:54
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[quote="“canyoneer”" post="“474495856”"] Remember when McDonalds published a sample budget for employees? Just pay $600 in rent, EASY [/quote] I had roommates until I got married and never paid more than $500 for rent. McDonalds has never been a job where you could afford an apartment by yourself. A trailer maybe. The 1st job/2nd job seems worse. I guess no one is going to hire unskilled labor full time anymore because of health insurance.
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Jul 19, 2017 00:56
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I was going to be the zero dollar heating bill but then decided to be the conspicuously absent food budget instead. Also I don't want to pay a notary who performed a service for me, I kinda figured she'd do it for free since my family hires her for other stuff. Title of this one says it all: Thinking about not paying credit cards any longer.
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Jul 19, 2017 01:10
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Krispy Kareem posted:I had roommates until I got married and never paid more than $500 for rent. McDonalds has never been a job where you could afford an apartment by yourself. A trailer maybe. I'm the idea that unskilled labor got 40 a week before healthcare reform
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Jul 19, 2017 01:31
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Looks like I missed the mushroom discussion. This isn't so much BWM but more like bad money. If you ever need to identify the correct type of blue mushrooms you just check them against the ones on the back of the $50 note in New Zealand.
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Jul 19, 2017 01:43
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Derail bird looking good there
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Jul 19, 2017 01:45
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Every country's money is cooler than the US.
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Jul 19, 2017 01:56
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I know I could google this but I'm lazy. Did mcdonalds pre populate those fields? Some of them seem wonky
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Jul 19, 2017 01:57
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Guest2553 posted:Also I don't want to pay a notary who performed a service for me, I kinda figured she'd do it for free since my family hires her for other stuff. I find it funny that he came to a forum full of lawyers to ask if he could stiff somebody on legal advice, and the one lawyer that defended him is from a province where notaries don't provide legal advice.
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Jul 19, 2017 01:59
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Virtue posted:I know I could google this but I'm lazy. Did mcdonalds pre populate those fields? Some of them seem wonky Yes. http://www.nasdaq.com/article/mcdonalds-sample-budget-sheet-is-laughable-but-its-implications-are-not-cm261920
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Jul 19, 2017 02:20
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Whoever mentioned the financial independence subreddit found a goldminehttps://www.reddit.com/r/financialindependence/comments/6o53iq/so_many_mistakes_25_yo_seeking_redemption_hope/ posted:So many mistakes. 25 y/o seeking redemption, hope, steps towards FIER The top-voted response is "lol"
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Jul 19, 2017 02:52
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monster on a stick posted:Whoever mentioned the financial independence subreddit found a goldmine Dear Reddit, I'm a big fat loser pity meeeee
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Jul 19, 2017 03:01
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FI has some material sometimes but most of the gravy is in the daily threads between the posts about podcasts you'll never listen to, situations you'll never find yourself in, people asking for advice about real estate or managing tenants, and somebody asking if they make too much to use a Roth IRA.
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Jul 19, 2017 03:04
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Youth Decay posted:Dear Reddit, I'm a big fat loser pity meeeee I wonder which goon it was
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Jul 19, 2017 03:08
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monster on a stick posted:I wonder which goon it was Don't doxx me, plz.
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Jul 19, 2017 03:32
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I'm the average 25 year old with 80k in savings
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Jul 19, 2017 03:49
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monster on a stick posted:Whoever mentioned the financial independence subreddit found a goldmine One of the comments: quote:Clean up your resume and find a new office job. There's going to be so many places out there that are interested in your skills and background with both soc and art. When I think of in demand careers my mind immediately goes to "sociology + art".
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Jul 19, 2017 03:56
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OctaviusBeaver posted:When I think of in demand careers my mind immediately goes to "sociology + art". I just happen to be laying the groundwork for a Bay Area startup that is totally going to shake up the way we draw metaphors for social mores!
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Jul 19, 2017 05:14
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John Smith posted:And this is why I am far superior to TB. I may be an extremist, but at least I have the self-awareness that I am one. Whereas TB is simply a crazy person. Unironically, I would pay good money to have drinks with both of you, while playing CAH.
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Jul 19, 2017 05:20
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Solice Kirsk posted:I just happen to be laying the groundwork for a Bay Area startup that is totally going to shake up the way we draw metaphors for social mores! Old school buddy tried to do that as an art project The vc's were like, "why don't you get that out of your system and come back to us" He didn't
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Jul 19, 2017 05:23
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monster on a stick posted:Whoever mentioned the financial independence subreddit found a goldmine Why do people who went into large amounts of debt for useless degrees consider going into more debt for even more degrees? The lesson should be staring them right in the face.
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Jul 19, 2017 06:08
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oRenj9 posted:Why do people who went into large amounts of debt for useless degrees consider going into more debt for even more degrees? The lesson should be staring them right in the face. Pay for a PhD? 
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Jul 19, 2017 06:16
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The sunk cost fallacy is a hell of a thing.
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Jul 19, 2017 06:39
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So I was on vacation last week and this thread got LITTTT!
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Jul 19, 2017 08:22
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theHUNGERian posted:Unironically, I would pay good money to have drinks with both of you, while playing CAH.
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Jul 19, 2017 12:22
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Wells Fargo: Keeping Banks Classyquote:Wells Fargo has a long history of using arbitration to evade legal scrutiny. In fact, for the past six years, Wells has tried to use arbitration to block a class-action suit that every other major bank in America long ago settled. This has not only delayed restitution for regular customers, but revealed exactly why Elizabeth Warren's brainchild Consumer Financial Protection Bureau (CFPB) moved to eliminate class-action bans through arbitration clauses earlier this month: It hands big banks a license to steal with impunity. quote:If the bank does prevail in moving the case to arbitration, people who got screwed and charged extra fees would have to pursue overdraft complaints by themselves. They would be at a major disadvantage: A recent study by the non-profit Level Playing field found that Wells Fargo customers have won only seven arbitration cases in the past eight years, out of just 48 that actually got to a final hearing. And just to pursue the case, consumers would have to spend heavily on legal representation and hearings. As federal judge Richard Posner of the Seventh Circuit Court of Appeals once wrote in a ruling, "The realistic alternative to a class action is not 17 million individual suits, but zero individual suits, as only a lunatic or a fanatic sues for $30."
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Jul 19, 2017 12:55
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When I was in banking we justified reordering because the largest check is almost always the most important (rent, car payment) and therefore the one you can least afford to bounce. But no one pays their rent or car note with a debit card so I guess Wells Fargo dropped even that weak pretense. Also, if you’re not going to bounce a transaction there’s no good reason to reorder.
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Jul 19, 2017 13:34
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theHUNGERian posted:Unironically, I would pay good money to have drinks with both of you, while playing CAH. If you are looking for opposites, you can just turn up at any left&right-wing riots. Heard that many universities are hosting nowadays. Bring your own combat helmet, baseball bat not provided.
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Jul 19, 2017 14:31
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SquirrelFace posted:he is a huge trump fan... 
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Jul 19, 2017 14:35
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Half the fun of Cards Against Humanity is watching someone's weird libertarian acquaintance get pissy when their extremely literal answers get passed over
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Jul 19, 2017 14:55
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CheesyDog posted:Half the fun of Cards Against Humanity is watching someone's weird libertarian acquaintance get pissy when their extremely literal answers get passed over
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Jul 19, 2017 15:09
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Krispy Kareem posted:When I was in banking we justified reordering because the largest check is almost always the most important (rent, car payment) and therefore the one you can least afford to bounce. That is some lovely, lovely logic that is nothing but a weaselly excuse to gently caress your customers. The only objective way to order the transactions is in the exact sequence that they were received. And I don't mean "lol our system just happens to receive big transactions first heh heh". Those loving banks can measure microseconds when they want to charge interest—they can well handle marking time stamps from POS terminals. tl;dr: gently caress that noise and gently caress banks
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Jul 19, 2017 15:10
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Krispy Kareem posted:But no one pays their rent or car note with a debit card so I guess Wells Fargo dropped even that weak pretense. Also, if you’re not going to bounce a transaction there’s no good reason to reorder. Eh, no, you can set up your rent and car payments to use automatic bill pay (which is a debit transaction if set up through your bank) and I've heard a lot of landlords are now taking credit cards (which means debit cards as well), judging from the people I know who don't seem to recall the last time they used a check. I also wonder if that Vice article looked into how much the participants in the class action suit actually received once the legal fees were deducted. Unless you are lead plaintiff you usually get squat. They may be better off suing in small claims court.
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Jul 19, 2017 15:18
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BWM: buying a house in Canada
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Jul 19, 2017 15:21
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Weatherman posted:That is some lovely, lovely logic that is nothing but a weaselly excuse to gently caress your customers. The only objective way to order the transactions is in the exact sequence that they were received. And I don't mean "lol our system just happens to receive big transactions first heh heh". Those loving banks can measure microseconds when they want to charge interest—they can well handle marking time stamps from POS terminals. Transaction timestamp works great in theory but "the big check is probably the most important" makes sense. If your bank processed someone's ATM transaction at a "massage parlor" first and bounced the rent check that came in 5 milliseconds later, you would be sued.
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Jul 19, 2017 15:21
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monster on a stick posted:Eh, no, you can set up your rent and car payments to use automatic bill pay (which is a debit transaction if set up through your bank) and I've heard a lot of landlords are now taking credit cards (which means debit cards as well), judging from the people I know who don't seem to recall the last time they used a check. It's not about the money, it's the deterrent effect on the defendant. Class action lawsuits can cause actual financial damages and make a company think twice, because the $30 damage is now multiplied by a million, which will (hopefully) cost them more than their bad behaviour. This isn't always how it works out (my favorite being Sony giving their customers $0.50 coupons in exchange for intentionally installing malware on their customers computers) but it's the intent. As the vice article mentions, no one except a crazy person or a very angry person will sue over $30. Requiring forced arbitration all but removes the ability of the aggrieved party to do anything about it.
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Jul 19, 2017 15:28
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Just add user-specified priority to checks and use that + timestamp to order things.
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Jul 19, 2017 15:29
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