|
Subjunctive posted:If I hadn't been moving to a different country, I would definitely have tried to make that happen.  https://www.reddit.com/r/personalfinance/comments/6t27vo/im_trying_to_buy_an_expensive_house_in_the_city/ posted:Young professional looking for some insight to buying an expensive house. yo "fam" this "lit" house is only 8x my gross income can I swing it?
|
#
?
Aug 11, 2017 18:32
|
|
|
|
| # ? May 15, 2024 10:34 |
|
|
quote:With how the stock market is doing, I feel that a 401k WITHDRAWAL for my first principal home would be a better option than taking assistance from my parents. The reason I opt towards a withdrawal versus a loan is because it would be financially beneficial to just repay my parents Wait so he doesn't want to take money from his parents, but he wants to withdraw and not borrow from his 401k to repay his parents for money he's not taking from them? I know what's underneath this obfuscation is BWM but gently caress if I know exactly how.
|
|
#
?
Aug 11, 2017 18:35
|
|
|
I could understand if he wanted to borrow from his 401k and pay back with like 3% interest or something. I wouldn't agree, but I could understand the idea that the market may collapse and he'd be better off.
|
|
#
?
Aug 11, 2017 18:39
|
|
|
I don't believe his numbers. I'm looking at them, and between his take-home pay and his savings amounts, something doesn't add up in my head. He either has remarkably generous assistance somewhere (probably does if he can get a parental loan for a house down payment) or he's lying somewhere.
|
|
#
?
Aug 11, 2017 18:44
|
|
|
No Butt Stuff posted:I could understand if he wanted to borrow from his 401k and pay back with like 3% interest or something. I wouldn't agree, but I could understand the idea that the market may collapse and he'd be better off. I mean, I may end up taking a small bit from my 401k to supplement my house down payment in a few years (even though it's a bad idea, it'd be less than 10% of my 401k and as I don't want to wait forever to buy and housing is expensive here, it's better than just never putting that money in a 401k to begin with) so I can understand the logic there. But why is taking a withdrawal - which he's very clear about versus a loan - and paying back his parents his idea? I have no idea what's going on there at all.
|
|
#
?
Aug 11, 2017 18:49
|
|
|
Hoodwinker posted:I don't believe his numbers. I'm looking at them, and between his take-home pay and his savings amounts, something doesn't add up in my head. He either has remarkably generous assistance somewhere (probably does if he can get a parental loan for a house down payment) or he's lying somewhere. Assuming he started with that salary at 22, he may be saving 1k a month, and if he's living with mom and dad, that could be real. Why would you not just save a while longer? Kids are dumb.
|
|
#
?
Aug 11, 2017 18:52
|
|
|
No Butt Stuff posted:Assuming he started with that salary at 22, he may be saving 1k a month, and if he's living with mom and dad, that could be real.
|
|
#
?
Aug 11, 2017 19:02
|
|
|
Why would you not just live in a cardboard box under the bridge for $0? It's empirically the cheapest option, and you can catch fish in the river with your bare hands for a reduction in food costs!
|
|
#
?
Aug 11, 2017 19:03
|
|
|
Volmarias posted:Why would you not just live in a cardboard box under the bridge for $0? It's empirically the cheapest option, and you can catch fish in the river with your bare hands for a reduction in food costs!
|
|
#
?
Aug 11, 2017 19:06
|
|
|
No Butt Stuff posted:Why would you not just save a while longer? Kids are dumb. It seems like a lot of BWM stories could be resolved by shaking someone by the shoulders and screaming "JUST WAIT!" repeatedly.
|
|
#
?
Aug 11, 2017 19:36
|
|
|
Weddings: Still BWM My fiancee left me at the altar. She's refusing to return the engagement ring and pointblank ignored my questions about the shower gifts and the money donated to our honeyfund. quote:Two weeks ago my ex-fiancee left me standing at the alter. I'll spare everyone the squishier details, but after not hearing a word from her since our wedding day, she has been texting me. I asked for the engagement ring back and she said no, saying she wanted to "cherish the memory". I then asked her about the wedding shower gifts and the money that was donated to our honeyfund (an online registry where guests buy you honeymoon experiences as a wedding gift) and she flat out ignored the question.
|
|
#
?
Aug 11, 2017 20:12
|
|
|
Hoodwinker posted:If he did, he's been maxing/near-maxing his 401k every year with a decent match. For an engineer it's definitely doable, but I don't know. Something about the whole thing feels just slightly like a stretch.
|
|
#
?
Aug 11, 2017 20:12
|
|
|
Enfys posted:Weddings: Still BWM At least he can cut his losses early on. Granted, we only heard one side of it.
|
|
#
?
Aug 11, 2017 20:21
|
|
|
LLCoolJD posted:At least he can cut his losses early on. Granted, we only heard one side of it. There is a chance he could sue her and obtain it all if she indeed was the one that called it quits. There is judicial precedence for such cases. HFX fucked around with this message at 20:27 on Aug 11, 2017 |
|
#
?
Aug 11, 2017 20:24
|
|
|
Yeah, the ring is his. Contract and all. Hopefully her parents were paying for the wedding.
|
|
#
?
Aug 11, 2017 20:31
|
|
|
Enfys posted:Weddings: Still BWM Just think honey, after we're married we'll never have to hear from your insipid girl friends again! Wait where are you going come back
|
|
#
?
Aug 11, 2017 21:46
|
|
|
Wanna see the tape of that ceremony Do you Susan take Greg to be your husband "Nah lmbo that dude sucks this was a bet and I just won"
|
|
#
?
Aug 11, 2017 21:55
|
|
|
LLCoolJD posted:At least he can cut his losses early on. Granted, we only heard one side of it. Their relationships post was removed but went into more detail that she not only didn't show up at the ceremony but was removing all of her stuff from their shared living space at the time. Plus she was shaking down guests for more gifts. Here's the link to his other thread: https://www.reddit.com/r/relationships/comments/6swww3/my_29m_fiancee_27f_left_me_standing_at_the_alter/
|
|
#
?
Aug 11, 2017 22:47
|
|
|
I read stories and think how in the world does that even happen. If I ever get into one myself I'll report back I guess
|
|
#
?
Aug 11, 2017 22:58
|
|
|
ate all the Oreos posted:Just think honey, after we're married we'll never have to hear from your insipid girl friends again! Wait where are you going come back yeah man, no husband ever hates some of his wife's friends.
|
|
#
?
Aug 11, 2017 23:28
|
|
|
No Butt Stuff posted:yeah man, no husband ever hates some of his wife's friends. Actually the worst is when you hate the husbands of your wife's friends. They can talk for hours but now I gotta be polite to this dweeb the whole time
|
|
#
?
Aug 11, 2017 23:37
|
|
|
canyoneer posted:Actually the worst is when you hate the husbands of your wife's friends. They can talk for hours but now I gotta be polite to this dweeb the whole time Yeah that suuuucks. Luckily when we moved here she made a couple friends with decent husbands that I actually hang out with willingly.
|
|
#
?
Aug 11, 2017 23:39
|
|
|
A old co-worker once told me that he didn't know what to do because he was thousands in debt (didn't give me an exact number) and that he had maxed out 4 credit cards. He wanted to open another one to use since he couldn't do anything with the 4 he already had. I told him that I thought it was a bad idea and that if he didn't change anything, he would just max that one too and be in an even worse spot. We talked for an hour about budgeting, how taxes work (he didn't understand marginal tax brackets), and starting to pay down his debts. A couple days later when we worked together again, he let me know that he just went ahead opened up another card. I stopped talking to him about finances after that. I know it's not the worst thing in the world, but goddam I was annoyed that I wasted a decent amount of time talking to him.
|
|
#
?
Aug 13, 2017 16:34
|
|
|
Pipistrelle posted:A old co-worker once told me that he didn't know what to do because he was thousands in debt (didn't give me an exact number) and that he had maxed out 4 credit cards. He wanted to open another one to use since he couldn't do anything with the 4 he already had. I told him that I thought it was a bad idea and that if he didn't change anything, he would just max that one too and be in an even worse spot. We talked for an hour about budgeting, how taxes work (he didn't understand marginal tax brackets), and starting to pay down his debts. I tried to talk to someone once about budgeting, and we concluded that he was spending $500/month on weed He had no transportation and wanted to buy a car from a friend for $500 My advice to him: "quit weed for a month and you get a car!" The next week I asked if he quit - "no, but I started selling weed!" It's a hopeless cycle
|
|
#
?
Aug 13, 2017 17:11
|
|
|
EugeneJ posted:I tried to talk to someone once about budgeting, and we concluded that he was spending $500/month on weed How often does he smoke that he can go through $500 of weed I don't think I could smoke that much if you paid me $500 to do it
|
|
#
?
Aug 13, 2017 17:37
|
|
|
Not a Children posted:How often does he smoke that he can go through $500 of weed Vaporizers
|
|
#
?
Aug 13, 2017 18:33
|
|
|
The price varies depending on where you are. Someone in a Mumble server was talking about their prices in NJ (I think) once, it was more than twice what some old friends I still have on facebook were advertising it for. Odds that dumb guy ends up pulling a Smokey?
|
|
#
?
Aug 13, 2017 18:37
|
|
|
22 Eargesplitten posted:The price varies depending on where you are. Someone in a Mumble server was talking about their prices in NJ (I think) once, it was more than twice what some old friends I still have on facebook were advertising it for. Please tell me they were advertising weed on Facebook.
|
|
#
?
Aug 13, 2017 18:51
|
|
|
therobit posted:Please tell me they were advertising weed on Facebook. They were advertising weed on Facebook. And not even a dispensary, unlicensed.
|
|
#
?
Aug 13, 2017 18:54
|
|
|
22 Eargesplitten posted:They were advertising weed on Facebook. And not even a dispensary, unlicensed. Bad with money, bad with freedom. Also, they must be really bad at selling drugs if they have to advertise on Facebook.
|
|
#
?
Aug 13, 2017 21:11
|
|
|
EugeneJ posted:I tried to talk to someone once about budgeting, and we concluded that he was spending $500/month on weed Potentially GWM.
|
|
#
?
Aug 13, 2017 21:47
|
|
|
ahahah a friend on facebook commented on this person's wall post. She sells DOTERRA ESSENTIAL OILS http://www.oilsforeveryfamily.com/joes-books/ quote:A Day Without Oils Just wait til we're
|
|
#
?
Aug 14, 2017 01:37
|
|
|
Talked to someone today with $20,000 in a basic savings account. Not a bad thing per se, but also has 4 or 5 credit cards maxed out being charged interest at probably 3x the rate at least. Money is in savings for IVF when Mr Right appears from Plenty Of Fish.
|
|
#
?
Aug 14, 2017 02:00
|
|
|
Dillbag posted:Vaporizers No loving way. Dude's doing dabs or something. Vaporizers maximize what you can wring out of weed. I get stoned as gently caress three times off one trench in my pax. I'm high daily because I'm a degenerate and my weed costs are so low that it's practically a rounding error in my monthly budget.
|
|
#
?
Aug 14, 2017 02:34
|
|
|
I know multiple people who easily vaporize an ounce a week (more maybe?) in their volcanos. I also know multiple people who can polish off a handle alone in 48 hours. Drugs are a hell of a drug.
|
|
#
?
Aug 14, 2017 02:56
|
|
|
Yeah, I know a guy who can smoke an eighth a night out of his vaporizer, that's why he stopped using it.
|
|
#
?
Aug 14, 2017 02:59
|
|
|
AreWeDrunkYet posted:Potentially GWM. No. Dudes who smoke that much and start selling just end up smoking more for the same cost. Probably smoke up their custies too and are dumb as hell so soon get invaded and lose all their poo poo.
|
|
#
?
Aug 14, 2017 09:20
|
|
|
https://np.reddit.com/r/legaladvice/comments/6tmeq3/my_friends_tax_avoidance_probably_evasion_scheme/ My friend's tax avoidance (probably evasion) scheme (US). (self.legaladvice) submitted 7 hours ago * by TollsATollRollsARoll US - Georgia quote:I like to think that I am pretty up to date with the latest ways that people try to legally and illegally get out of income taxes, but a friend of a friend recently told me about a tax scheme that I had never heard of before. Guessing he didn't come up with this scheme on his own, I started googling it hoping to find some message board posts or something. So far I have found nothing. The IRS is going to joinder him right in the rear admiralty
|
|
#
?
Aug 14, 2017 21:57
|
|
|
canyoneer posted:The IRS is going to joinder him right in the rear admiralty
|
|
#
?
Aug 14, 2017 22:02
|
|
|
|
| # ? May 15, 2024 10:34 |
|
|
Dude is going to be yelling "I do not consent" a ton.
|
|
#
?
Aug 14, 2017 22:04
|
|
