|
I always assumed it was one of those folk-wisdom old wives' tales, like keeping a balance on a credit card 'to build credit', because soundbites you learn from your parents are easier to digest than the information available from your bank.
|
#
?
Aug 24, 2017 08:23
|
|
so I could say that I finally figured out what this god damned cube is doing. Get well Lowtax.
|
|
| # ? May 14, 2024 09:56 |
|
|
Subjunctive posted:Just me, or is $300/mo a lot for car insurance? When I was a wee lad of 19 I tried to buy a cheap new car. I could afford the payments, but my insurance would have been about $200 a month. I had to settle for a vehicle as old as myself and basic coverage. So yeah, $300 a month is about right for a 20 year old man and a new car. Zo posted:lmao You'd think merchants could find someone who speaks English to proof their text, but there's still so many blatant misspellings they must be doing it on purpose. Like cheap electronics described in broken English means you're getting a good deal. The Chinese restaurant down the street from me has an electronic sign with the word delicious misspelled. It's been that way for months, so you know it's authentic food. They also have all kinds of culinary awards and trophies that were obviously bought.
|
|
#
?
Aug 24, 2017 13:26
|
|
|
Krispy Kareem posted:When I was a wee lad of 19 I tried to buy a cheap new car. I could afford the payments, but my insurance would have been about $200 a month. I had to settle for a vehicle as old as myself and basic coverage. Rumor is scammers want misspellings, in their scams because they want to attract dumb people. Smart people don't fall for it in the end and waste the scammers resources, having a higher success rate is more important to them than having more bites at the apple.
|
|
#
?
Aug 24, 2017 13:48
|
|
|
Motronic posted:That hasn't been a thing in a long time. Like since actuarial calculations made their way into Lotus 1-2-3 long time. I got the anecdotal evidence from... like everyone I ever talked to about this, who claimed it happened to them, but yeah it makes more sense that it's just some continuous calculation done by computers now and doesn't follow any weird rule of thumb about this, oh well.
|
|
#
?
Aug 24, 2017 13:49
|
|
|
Foma posted:Rumor is scammers want misspellings, in their scams because they want to attract dumb people. Smart people don't fall for it in the end and waste the scammers resources, having a higher success rate is more important to them than having more bites at the apple. That's not a rumor, it's based on a bunch of research that found that the "market" for scams naturally settles into that because it causes idiots to self-select and therefore is the most efficient method: https://www.microsoft.com/en-us/research/publication/why-do-nigerian-scammers-say-they-are-from-nigeria/
|
|
#
?
Aug 24, 2017 13:51
|
|
|
Hoodwinker posted:Kids, man. gently caress. When I was a kid and wanted a 50k car, it was a Dodge Viper and not a pickup truck...
|
|
#
?
Aug 24, 2017 13:52
|
|
|
Elysium posted:When I was a kid and wanted a 50k car, it was a Dodge Viper and not a pickup truck... Clearly you don't live in the south, where "big truck" wins the rock paper scissors dick measuring game against "cool sportscar"
|
|
#
?
Aug 24, 2017 13:55
|
|
|
I knew a kid who was like 22 and absolutely loved his Honda fit. So much so that he probably dropped at least 10k in aftermarket parts into an ~17k car. Probably BWM, but I guess all hobbies are...
|
|
#
?
Aug 24, 2017 14:00
|
|
|
ate all the Oreos posted:I got the anecdotal evidence from... like everyone I ever talked to about this, who claimed it happened to them, but yeah it makes more sense that it's just some continuous calculation done by computers now and doesn't follow any weird rule of thumb about this, oh well. Everything I've ever seen (and experienced) says your insurance goes down after age 25. Your insurance also goes down if you get married. So apparently it's single men who are the problem. Which brings me to my BWM sister-in-law who just asked for a $5k loan to pay the deductible for her 18 year old's totaled car. For those keeping score this is the same sister-in-law who asked my wife to co-sign her kid's student loan just a couple of weeks ago. Both her and her husband have massive trucks. But only one boat.
|
|
#
?
Aug 24, 2017 14:25
|
|
|
Krispy Kareem posted:Everything I've ever seen (and experienced) says your insurance goes down after age 25. Your insurance also goes down if you get married. So apparently it's single men who are the problem. Which brings me to my BWM sister-in-law who just asked for a $5k loan to pay the deductible for her 18 year old's totaled car.
|
|
#
?
Aug 24, 2017 14:34
|
|
|
A coworker of mine moved his 401k to the cash fund a week or so before the election where I recently found out it still resides. He doesn't want to move it back into regular funds because he is trying to time the market and right now it's too high! He's had 100k+ just sitting there for a year now. His spending also expands hilariously out to his income as he gets promotions and raises. He never has money for capital improvements to his house but fancy new gadgets and a high end sports car? No problem!
|
|
#
?
Aug 24, 2017 14:36
|
|
|
I bet he was elated for the first couple days, then a bit less-so.
|
|
#
?
Aug 24, 2017 14:45
|
|
|
John Smith posted:And how did you tell her no? Why does she persist in asking you after so many rejections? I'm not the one she asks, which means my wife is in the middle. And she's gotten money from us before. I don't want to get too deep into personal talk in BWM because that gets me probated, but I have succeeded because my solution is for the whole family to sit down and work out a way to help her together. She doesn't want that because it's embarrassing and much easier to ask individual family members secretly so no one else knows just how much she's borrowed. That's worked. So far. And that's all I'll say about that. I just figured 'cars, boats, 18 year totaled car, begging for money' made good BWM fodder.
|
|
#
?
Aug 24, 2017 14:53
|
|
|
Krispy Kareem posted:I'm not the one she asks, which means my wife is in the middle. And she's gotten money from us before. Although I suppose you can consider it nonetheless. If you make it so humiliating and embarrassing for your SIL, that she never dares to darken your doorstep again.
|
|
#
?
Aug 24, 2017 15:39
|
|
|
Remember that ad in the Bay Area offering minimum wage for a personal Well, this family wants someone similar (but for kids instead of dogs/themselves): https://www.childcare.co.uk/profile/2398492 and they're offering a yearly salary of 100k pounds, meals cooked by a Michelin-starred chef, and multiple luxury cars available to drive while running errands, and since this ad has turned out to be very popular, they'd like to emphasize that all the requirements are mandatory and please don't apply if you don't fit the qualifications. (I don't think there's actually anything particularly BWM about this ad, I just think it's a funny contrast.)
|
|
#
?
Aug 24, 2017 16:33
|
|
|
The thing that makes me skeptical about that is that if you are able to offer someone $100,000 to look after your kids, and have your own personal chefs (and presumably staff to look after your four houses), surely you have a rich-person employment/placement agency that would be better to find someone than posting on the british equivalent of care.com?
|
|
#
?
Aug 24, 2017 16:50
|
|
|
Gonna drive my employer's porche on my errands.
|
|
#
?
Aug 24, 2017 18:35
|
|
|
ate all the Oreos posted:Clearly you don't live in the south, where "big truck" wins the rock paper scissors dick measuring game against "cool sportscar" That's true in the north as well, I live someplace that usually gets one or two significant snowstorms a year, and people want to buy trucks and SUVs because "they do better in the snow."
|
|
#
?
Aug 24, 2017 19:25
|
|
|
Colin Mockery posted:Remember that ad in the Bay Area offering minimum wage for a personal 78 hours a week and mandatory international travel. 15 years of experience and a very specific degree required, plus you're expected to be some sort of quasi-body guard. If anything, 100k is on the low side.
|
|
#
?
Aug 24, 2017 20:49
|
|
|
Krispy Kareem posted:The Chinese restaurant down the street from me has an electronic sign with the word delicious misspelled. It's been that way for months, so you know it's authentic food. They also have all kinds of culinary awards and trophies that were obviously bought. The restaurants down my way don't seem to realize that you don't put a apostrophe between the word and the s at the end of said word to indicate multiples. Hence, "Seafood Combo's" and "Experienced Chef's". The worst I've seen, however, would be a short lived place that had "OPENNIG SOON" proudly written on their front window.
|
|
#
?
Aug 24, 2017 20:56
|
|
|
Sic Semper Goon posted:The restaurants down my way don't seem to realize that you don't put a apostrophe between the word and the s at the end of said word to indicate multiples. At least those places aren't run by big boards with lots of money. https://www.chla.org/press-release/children-s-hospital-los-angeles-celebrates-110-year-legacy-launch-new-look-new-message http://www.imdb.com/title/tt1325113/
|
|
#
?
Aug 24, 2017 21:19
|
|
|
Vox Nihili posted:78 hours a week and mandatory international travel. 15 years of experience and a very specific degree required, plus you're expected to be some sort of quasi-body guard. If anything, 100k is on the low side. If this was a few years ago, when the pound was still like 1.5 dollars, I would say it's close to appropriate. With today's rate I would say that is def too low. Add like $25-50K on that. Burnout rate is going to be high though with that many hours.
|
|
#
?
Aug 24, 2017 21:27
|
|
|
Vox Nihili posted:78 hours a week and mandatory international travel. 15 years of experience and a very specific degree required, plus you're expected to be some sort of quasi-body guard. If anything, 100k is on the low side. quote:We are looking for a highly qualified nanny who has a degree in child psychology, no children of their own and a minimum of 15 years of nannying experience. Ideally our nanny will be trained in self-defence, however if the right candidate doesn’t already have this training we will provide and pay for it. This is non-negotiable. I don;t think they realise that  Was a fictional character.
|
|
#
?
Aug 24, 2017 22:15
|
|
|
£100K in the UK is way, way more than $100k in the US because socialism.
|
|
#
?
Aug 24, 2017 22:19
|
|
|
Aren't UK job listing also advertising fully post-income-tax salaries while US positions advertise gross? Depending on state, it can take a pretty drat high salary to net the $150k that would be worth in USD.
|
|
#
?
Aug 24, 2017 22:24
|
|
|
Twerk from Home posted:Aren't UK job listing also advertising fully post-income-tax salaries while US positions advertise gross? Depending on state, it can take a pretty drat high salary to net the $150k that would be worth in USD. Nah, UK jobs are advertised as gross.
|
|
#
?
Aug 24, 2017 22:26
|
|
|
Fil5000 posted:Nah, UK jobs are advertised as gross. But why would anyone apply to a job that's advertised as being gross?? 
|
|
#
?
Aug 24, 2017 23:16
|
|
|
Sic Semper Goon posted:The restaurants down my way don't seem to realize that you don't put a apostrophe between the word and the s at the end of said word to indicate multiples. There's a store in Tsim Tsa Tsui in Hong Kong. It has a big flashy sign that says "Rispensady" just feet away from another store which has a correctly spelled sign: dispensary. Not only was the translater lovely, they were dyslexic too.
|
|
#
?
Aug 24, 2017 23:39
|
|
|
baquerd posted:£100K in the UK is way, way more than $100k in the US because socialism. Are you sure? I’m probably not reading this right, but income tax on 100k in England is 40% whereas it’s 25% in the US, but the marginal American rate is only 17%. A quick Google didn’t tell me if British taxes are marginal or not. And I have no idea what local or sales taxes work out to. This nanny at least doesn’t have to worry about property taxes or rent. Healthcare would cost the American more, but that’s only if her employer doesn’t offer some kind of subsidy or benefit. If they do then I think the American is making a little more at their criminally underpaid position that you know is going to involve a gimp suit at some point.
|
|
#
?
Aug 25, 2017 00:39
|
|
|
ate all the Oreos posted:Clearly you don't live in the south, where "big truck" wins the rock paper scissors dick measuring game against "cool sportscar"  I've driven the same boring-rear end sedan for a decade and would get bugged about not having a Man's Car. Good way to stop the chirping is to say you're undercompensating for your gigantic dick and turn their own bullshit hypermasculinity against them.
|
|
#
?
Aug 25, 2017 01:10
|
|
|
Krispy Kareem posted:Are you sure? I’m probably not reading this right, but income tax on 100k in England is 40% whereas it’s 25% in the US, but the marginal American rate is only 17%. A quick Google didn’t tell me if British taxes are marginal or not. And I have no idea what local or sales taxes work out to. This nanny at least doesn’t have to worry about property taxes or rent. Suffice to say that in real purchasing power terms $100k USD gross is slightly more than £100k gross after taxes and COL, the exception being the highest COL cities in the US. Of course cost of living is an odd variable in this case with a live in nanny situation. It is certainly a lot of money and valuable benefits in exchange for a hard job.
|
|
#
?
Aug 25, 2017 01:32
|
|
|
Krispy Kareem posted:Are you sure? I’m probably not reading this right, but income tax on 100k in England is 40% whereas it’s 25% in the US, but the marginal American rate is only 17%. A quick Google didn’t tell me if British taxes are marginal or not. And I have no idea what local or sales taxes work out to. This nanny at least doesn’t have to worry about property taxes or rent. Have you taken into account social security, medicare, and potential self-employment taxes? Compared VAT and sales tax? Don't forget the base exchange rate, which makes 100k GBP 130k USD. Healthcare is only comparable if you don't actually need it. Same with education and a lot of other social safety nets (hence socialism). Ultimately, what I see is that the average software developer in the UK is getting paid much less than the average one in the US, and I'm generalizing heavily. I could certainly be wrong overall.
|
|
#
?
Aug 25, 2017 01:41
|
|
|
Granted it's been a decade since I looked into it, but yeah I flirted with the idea of trying to move to England and the engineering salaries were pathetic compared to what one would expect in the States. And this was way back when the exchange rate was much steeper.
|
|
#
?
Aug 25, 2017 02:24
|
|
|
Looks like noveau riche are trying to re-invent servants. And/or Brock Samson.
|
|
#
?
Aug 25, 2017 08:46
|
|
|
Krispy Kareem posted:Are you sure? I’m probably not reading this right, but income tax on 100k in England is 40% whereas it’s 25% in the US, but the marginal American rate is only 17%. A quick Google didn’t tell me if British taxes are marginal or not. And I have no idea what local or sales taxes work out to. This nanny at least doesn’t have to worry about property taxes or rent. In the UK your first 10k or so (I forget the exact figure) is tax free, then it's 20% tax on everything up to 30k-ish and then 40% from 30ish to 150kish. I threw 100k into a take home pay calculator and it works out around 28% overall tax and about 5% national insurance contributions.
|
|
#
?
Aug 25, 2017 08:53
|
|
|
Fil5000 posted:In the UK your first 10k or so (I forget the exact figure) is tax free, then it's 20% tax on everything up to 30k-ish and then 40% from 30ish to 150kish. I threw 100k into a take home pay calculator and it works out around 28% overall tax and about 5% national insurance contributions. drat, that 40% kicks in fast.
|
|
#
?
Aug 25, 2017 08:58
|
|
|
Vox Nihili posted:drat, that 40% kicks in fast. Average salary here is around 28k so it's not terribly placed. Of course then you throw on top how much we tax fuel and the fact we've got a 20% sales tax on most goods and services and its less good.
|
|
#
?
Aug 25, 2017 09:06
|
|
|
These days it's 40% from 45k to 150k, and 45% above 150k. There's also this weird thing where you start losing your tax free allowance after you hit about 100k, which means anything above that is technically attracting a 60% marginal rate. And our equivalent of sales tax would be VAT, which at the moment is a flat 20% applied to pretty much everything. To be honest though, as stated above the average wage in the UK is around 27-28k. It's rare to see anything above 50k that isn't senior management or based in London. I'd say 60-70k in London is about the going rate for a reasonably decent techy. Still more than enough to live on generally. The OECD stats are interesting, if you want to take a look at them: http://www.oecdbetterlifeindex.org/topics/income/. UK is 17/38 countries for average income, while the US number 1. It's 27k vs 41k in adjusted dollars. You guys are 33/38 for social inequality though. RockyB fucked around with this message at 10:31 on Aug 25, 2017 |
|
#
?
Aug 25, 2017 10:29
|
|
|
RockyB posted:These days it's 40% from 45k to 150k, and 45% above 150k. There's also this weird thing where you start losing your tax free allowance after you hit about 100k, which means anything above that is technically attracting a 60% marginal rate. And our equivalent of sales tax would be VAT, which at the moment is a flat 20% applied to pretty much everything. Oh! Hadn't seen that change. I just switched jobs at the end of the last tax year from just under the 30k to significantly over, but evidently I timed it perfectly to avoid the higher rate.
|
|
#
?
Aug 25, 2017 14:49
|
|
|
|
| # ? May 14, 2024 09:56 |
|
|
Fil5000 posted:Oh! Hadn't seen that change. I just switched jobs at the end of the last tax year from just under the 30k to significantly over, but evidently I timed it perfectly to avoid the higher rate. Congratulations
|
|
#
?
Aug 25, 2017 15:05
|
|
