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Ohthehugemanatee posted:Speaking of inheritance, someone in this thread recommended Beyond the Grave for its collection of BWM stories and I wanted to thank them. There aren't really that many stories, but it's well written and seeing people from the perspective of an inheritance attorney is hilarious. The theme of the book is basically that your children are awful, petty monsters. Who's the author? There are a million books named Beyond the Grave, hard to find the right one.
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Aug 3, 2017 21:25
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Sjonkel posted:Who's the author? There are a million books named Beyond the Grave, hard to find the right one. It's literally the first result when I search on Amazon. Condon is the author.
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Aug 3, 2017 21:27
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https://www.reddit.com/r/personalfinance/comments/6rfiyp/i_cosigner_for_my_sister_shes_missed_payments_and/ posted:I cosigner for my sister, she's missed payments and now wants to return her car.
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Aug 3, 2017 22:19
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Bad With Money: I cosigned
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Aug 3, 2017 22:29
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That girl at Roanoke would be paying waaay to much for board. Stables are cheap and plentiful out there and unless she wants ridiculous fancy poo poo she could easily find a full-care place for less than $250 a month. If she actually cares for the horse herself she'd pay maybe $100.Virtue posted:Have we had any crazy horse guy stories yet? Why are the crazy horse people always girls? Remember that Parelli Pyramid I posted a long time ago? Although Parelli is technically suckering other people out of their money and using it for himself/his wife. The BWM horse guys exist (in the rodeo world mostly) but they've mostly been replaced by BWM car guys. crazypeltast52 posted:I assume we selected for individuals that are less apt to survive in the wild. Also I assume feed is less abrasive to teeth than foraging in the wild. True wild horses (Przewalski's Horses) almost went extinct due to human hunting/habitat loss so there's only a few thousand of them alive. They're pony-sized and ponies tend to be healthier and live longer than bigger equines. Even so the Przewalski's, the feral mustangs in the US and brumbies in Australia rarely make it to 10 years old whereas domestic horses/ponies often live into their 30s. Donkeys, both wild and domestic, are generally far healthier and smarter than their more glamorous relatives and have a better sense of self-preservation. A horse will shy at a piece of paper, a donkey will attack and kill a coyote who makes the mistake of wandering into their paddock. There's a reason donkeys and mules are used as pack animals on narrow mountain trails and canyon ledges. An ideal animal for the horse crazy person who doesn't want to burn all of their money at once.
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Aug 3, 2017 22:30
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Looks like I just missed all the harvard woman chat, but the one thing that stuck out for me from that article is it says that by the time she quit her job she was making "mid six figures." Even though her plan seemed to be to retire before she hit 30 and she accomplished that admirably, it seems odd to me to not just work another couple years making 500k and literally double her money. I suppose there's always gonna be that point where you just have to stop working because that's the goal, but drat.
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Aug 3, 2017 22:33
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Barry posted:GWM or BWM? Being an equine dentist is neutral. Not as lucrative as being a farrier (which is actually a fairly in-demand trade requiring just an apprenticeship) but does not normally require vet school and all those loans. Paying for an equine dentist is very GWM since a horse with a sore tooth will starve and/or buck their rider off when the bit bumps the tooth.
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Aug 3, 2017 22:35
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Elysium posted:Looks like I just missed all the harvard woman chat, but the one thing that stuck out for me from that article is it says that by the time she quit her job she was making "mid six figures." Even though her plan seemed to be to retire before she hit 30 and she accomplished that admirably, it seems odd to me to not just work another couple years making 500k and literally double her money. I suppose there's always gonna be that point where you just have to stop working because that's the goal, but drat. some people use mid 6 figures to mean 500k, some people use mid 6 figures to mean 150k I think she meant 150k, which I knew folks who got that right out of school
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Aug 3, 2017 22:36
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curufinor posted:some people use mid 6 figures to mean 500k, some people use mid 6 figures to mean 150k If she was a senior analyst or junior VP at an investment bank it could easily have been $500k after bonus. The math of accumulating $2.25MM after 6-7 working years certainly implies such
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Aug 3, 2017 22:52
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Elysium posted:Looks like I just missed all the harvard woman chat, but the one thing that stuck out for me from that article is it says that by the time she quit her job she was making "mid six figures." Even though her plan seemed to be to retire before she hit 30 and she accomplished that admirably, it seems odd to me to not just work another couple years making 500k and literally double her money. I suppose there's always gonna be that point where you just have to stop working because that's the goal, but drat. The junior analyst/VP career climb is stressful soul sucking work, it's very reasonable to want out of it as soon as financially possible. Also her husband still works.
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Aug 3, 2017 22:54
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Krispy Kareem posted:It's literally the first result when I search on Amazon. Cheers! I was searching on Goodreads, and I only saw ghost stories or fantasy books with that name.
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Aug 3, 2017 23:00
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BEHOLD: MY CAPE posted:The junior analyst/VP career climb is stressful soul sucking work, it's very reasonable to want out of it as soon as financially possible. Also her husband still works. On top of the hectic work environment, she probably would have had to pay about $250k of that income in tax, plus her living expenses in NYC trying to fit in with her peers. She probably could have saved about $200k a year. I do like the fact that the husband still works though, that always cracks me up. I mean maybe he is also in the 1% income range, but it's funnier to imagine him as an average guy who will have to work for a decade to make $500k total.
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Aug 3, 2017 23:12
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BEHOLD: MY CAPE posted:The junior analyst/VP career climb is stressful soul sucking work, it's very reasonable to want out of it as soon as financially possible. Also her husband still works. There's a lot of people getting sick of their jobs and I've found those earning that money tend to get sick of their work pretty drat quickly. Most of the engineers I know are wanting to retire once they've hit their 50's. Yet no one has retired, they just can't afford to. The real BWM, with respect to Harvard woman, is not saving a high percentage of a good professional income. Like in Australia 23% of people do not believe they will retire before 70. Of course there's probably another 23% who don't realise they'll need to. http://www.smh.com.au/business/workplace-relations/too-poor-to-retire-more-australians-than-ever-will-work-past-70-20160408-go1ubf.html
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Aug 3, 2017 23:19
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Devian666 posted:Like in Australia 23% of people do not believe they will retire before 70. Of course there's probably another 23% who don't realise they'll need to. Why would someone need to retire before 70? Are there mandatory retirement ages there?
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Aug 3, 2017 23:21
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Subjunctive posted:Why would someone need to retire before 70? Are there mandatory retirement ages there? I suspect it's more "their bodies are too loving broken to continue doing physical labor"
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Aug 3, 2017 23:24
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Ah, that makes sense in a terrible way.
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Aug 3, 2017 23:25
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Subjunctive posted:Why would someone need to retire before 70? Are there mandatory retirement ages there? State pension payments kick in at 65 onwards, although it's not enough for most to survive these days. As hailthefish said there are a lot of physical workers where their bodies are hosed by 60.
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Aug 3, 2017 23:26
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"I signed something to share the responsibility for payments so that the bank would actually agree to the loan, but now that the exact situation for which they required a cosigner occurs, I would like to renege. " What do people think they're doing when they cosign? Do they even wonder why a bank is suddenly cool with giving someone money once someone else cosigns for it? Do they think it's the bank going, "hey family member, is this person totally cool with money? yes? ok, great, your totally unbiased opinion means a lot to us, here's $50k"
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Aug 4, 2017 00:35
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ohgodwhat posted:"I signed something to share the responsibility for payments so that the bank would actually agree to the loan, but now that the exact situation for which they required a cosigner occurs, I would like to renege. "
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Aug 4, 2017 00:37
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I'm a character witness to this anchor that's ruining my life. She's great. Really. High quality. I mean, I wouldn't lend her money buuuut...
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Aug 4, 2017 00:39
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Virtue posted:Have we had any crazy horse guy stories yet? Why are the crazy horse people always girls?  Does this count
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Aug 4, 2017 00:45
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I should take a picture of this on my way to work, but there is a sign on my commute that uses that exact same font and color scheme. Except that it says: CHEAP TREE CLIMBER! ANY TREE AND 7 DAYS A WEEK! It has no price listed, no contact information, and no description of what you are paying him to climb the tree for.
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Aug 4, 2017 00:47
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Factor Mystic posted:
There's no gender, that could still be a lady 
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Aug 4, 2017 00:49
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that was the thread subtitle a few months ago it could be the thread subtitle again the spirit of horse compels you
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Aug 4, 2017 00:50
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Virtue posted:Have we had any crazy horse guy stories yet? Why are the crazy horse people always girls? 
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Aug 4, 2017 00:56
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Oh hello Mr. Hands.
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Aug 4, 2017 03:41
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Never knew what he looked like, but somehow when I saw the picture...I knew 
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Aug 4, 2017 03:52
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Poor young Lou Reed. Thought of horses and about a hour later died.
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Aug 4, 2017 03:56
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Guest2553 posted:Never knew what he looked like, but somehow when I saw the picture...I knew I never seen a photo of him either it was just instinct like you said, just a generation of watching hosed up videos on kazaa
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Aug 4, 2017 03:57
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Elysium posted:Looks like I just missed all the harvard woman chat, but the one thing that stuck out for me from that article is it says that by the time she quit her job she was making "mid six figures." Even though her plan seemed to be to retire before she hit 30 and she accomplished that admirably, it seems odd to me to not just work another couple years making 500k and literally double her money. I suppose there's always gonna be that point where you just have to stop working because that's the goal, but drat. It's really hard to get off the treadmill when your comp keeps going up and up even as the hours and stress get worse and worse. Congrats to her on actually doing that.
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Aug 4, 2017 04:57
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Devian666 posted:There's a lot of people getting sick of their jobs and I've found those earning that money tend to get sick of their work pretty drat quickly. Most of the engineers I know are wanting to retire once they've hit their 50's. Yet no one has retired, they just can't afford to. The real BWM, with respect to Harvard woman, is not saving a high percentage of a good professional income.
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Aug 4, 2017 06:05
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Factor Mystic posted:
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Aug 4, 2017 06:10
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Suspicious Lump posted:I think I fall within that 23%, even though I'm ~30. The retirement age will continue to go up and up, by the time I am 70, it will probably be 80. I've said it before and I'll say it again, I don't plan to live that long. 
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Aug 4, 2017 06:48
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I assume that I will work until I die. Or, more likely, die shortly after I am no longer capable of working.
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Aug 4, 2017 12:37
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Only need the title for this one: https://www.reddit.com/r/legaladvice/comments/6rhv98/i_gave_my_friend_6000_to_invest_in_stocks_and_now/ quote:I gave my friend $6000 to invest in stocks and now they are not responding to me and blocked me from social media
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Aug 4, 2017 14:55
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My husband and I just moved to a small farm and everyone keeps saying we'll have to get a horse for our daughter when she's older. I just smile and politely tell them that's not an option since I'm allergic. My dad took me riding once as a kid and then dropped me back at my mom's house wheezing with my eyes swelled shut. She was not amused and I ended up having a fun trip to an allergist after that. I grew out of most of my other allergies so I may not be allergic anymore, but I've no desire to find out. A big thing around here is mini horses. All the expense of a horse, none of the utility. Can't even ride them! They're really cute though...
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Aug 4, 2017 15:28
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SquirrelFace posted:A big thing around here is mini horses. All the expense of a horse, none of the utility. Can't even ride them! They're really cute though... As they'd have to be bred specifically for that (read: inbred) I'm sure they actually are even more expensive than regular horses with even more maladies.
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Aug 4, 2017 15:30
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The "my income is bitcoin-based" guy whose landlord cashed all 22 of his rent checks posted an update. It turns out that everyone involved with bitcoin is dumb and shady. Surprise! quote:[UPDATED] NYC: Landlord cashed all my rent checks at once.
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Aug 4, 2017 15:44
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Yep, I'd rather have the drug dealer. Much better chance of actually getting "merchandise".
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Aug 4, 2017 16:44
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Oh, if he's actually the guy that runs the biggest one of those services, then yes he could be making 40x the rent. He's acting directly as a money launderer for foreign nationals.
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Aug 4, 2017 16:52
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