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Lowness 72
Jul 19, 2006
BUTTS LOL

Jade Ear Joe
https://www.reddit.com/r/legaladvice/comments/77q7gv/update_2_legality_of_horse_sacrifice_in_california

This is not a BWM thread. But I felt it was topical.

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Slate Slabrock
Sep 12, 2009
Grimey Drawer

Guest2553 posted:

Great news, Canada! You can now indirectly buy bitcoin in your RRSP and TFSA's! (Think 401K/Roth IRA for you yanks). It's on the Swedish stock exchange though so every trade has a 1% commission to buy. With a minimum charge of $195 bucks. Plus exchange fees and forex.

Also to sell. You did it! :canada:



Like this?

Tomfoolery
Oct 8, 2004


Bad With Money: "They found me in a vulnerable moment and helped me but also brainwashed me. I will try to make better friends from now on."

Content:
https://www.sportsbookreview.com/forum/saloon/3044421-what-your-worst-purchase-mistake-all-time.html

gauchojake posted:

My worst purchase ever was actually a leased car. I took over a lease on a BMW 335 from some girl who had unknowingly destroyed the car in the 6 months she had it. I did the deal over the phone and through email with pics. Everything looked good on the car and so I assumed the lease. Little did I know I had zero recourse when the poo poo hit the fan. I went to pick up the car at her work in No Cal and the girl literally couldn't find the keys. My buddy who drove me over there found them lying in the dirt near the car! Just sitting in the parking lot at Apple. She then could not produce the second set of keys.

I started walking around the car and there was obvious body damage to it. She tells me that she was just in an accident but it was cheaper to pay cash for the repairs and she didn't think I'd mind. What?

Rims - scratched to poo poo
Run flat tires - bubbles in the sidewalls - all needed to be replaced
Oil- car had NO OIL IN IT

I was driving it back to LA from San Jose after calling Lease Trader, BMW, and anyone else I could think of to get me out of this mess. All of a sudden lights and buzzers and poo poo start going off. I literally had to stop at some auto parts store and buy oil to put in the car.

She never sent me the other key so I got dinged for that when I returned the car. Paid for the other repairs along the way so I didn't get hosed at the end of the lease. Never again. Fun car to drive (6 speed manual) but man what a nightmare.

quote:

I was about 12 years old. I think it was 1989. My family wanted to purchase a computer for the household. Back then... what was the processor??? All I can remember... the number was extremely low?? Was it a 386? Or a 486? Regardless... me my mom and dad all walked into a Radio Shack. After 30 minutes of walking around the store... and I'm excited as hell getting a computer!!! I look back to this day... and my dad got totally hosed on this deal. Wow...

All we purchased was a Tandy 2500XL computer system. (I don't even know what the hell a Tandy was back then... Radio Shack said it was the best.) And a monitor... oh... and a power strip. So let's get this straight...

1 - Tandy 2500XL computer
1 - Monitor
1 - Power Strip.

All for $2,800

Yes, $2,800. My dad knows he got robbed... but not as bad as I do. I mean... he got rocked. The computer was outdated literally within 2 years.... and I didn't even get a drat printer in the deal.

Worst deal ever. It doesn't get anymore dumber than this.

Cosmetic dental implants guy posted:

My experience was, and still is an absolute nightmare my friend. I had a full set of dental implants. When they tried pulling my teeth out, they couldn't extract them the normal way because the roots of my teeth have grooves on them like a screw, so they had to cut them out. By cutting them out some bone came with it, and my sinuses dropped, so therefore I had to have multiple bone grafts and 2 sinus lift surgeries. If that was not enough, all the implants on the top failed for unknown reasons, but all those on the bottom are perfectly healthy. I then tried again with having all the implants put in on top but with a different brand, as the dental experts felt that possibly my body was rejecting the materials in the implants, so they ended up using the same brand of implants that I have on the bottom, and again they failed. It is unexplainable. I now have a fixed upper denture. Total cost I have shelled out is $78,000 thousand dollars, as insurance does not cover cosmetic.

To make matters worse when I went to the dentist originally I was only going to have a bridge replaced, but was talked into getting implants, so I decided to go all out and have a full set put in, as I was tired of dealing with dental issues, as it is a hereditary problem I have in my family. By the way I had my dental care done in one of the most prestigious dental clinics in the U.S. This process has taken over 3 years.

There are also a couple people who supposedly bought lovely game systems back in the day for $1k.

boop the snoot
Jun 3, 2016
My cousin got the biggest paycheck of his life yesterday so he celebrated by rolling a joint with a $20 bill.

metallicaeg
Nov 28, 2005

Evil Red Wings Owner Wario Lemieux Steals Stanley Cup
I was 3 in 1989 so I don't have personal experience, but from seeing old RadioShack/Best Buy/whoever else ads regarding PCs in the late 80s and into the mid-90s, sure you can look back and say $2800 was loving absurd, but that seems like just what was the going rate back then.

ma i married a tuna
Apr 24, 2005

Numbers add up to nothing
Pillbug

metallicaeg posted:

I was 3 in 1989 so I don't have personal experience, but from seeing old RadioShack/Best Buy/whoever else ads regarding PCs in the late 80s and into the mid-90s, sure you can look back and say $2800 was loving absurd, but that seems like just what was the going rate back then.

I think I paid maybe $2k for my pc in 2000 and it was by no means a monster at the time. Computers used to be real expensive.

Sirotan
Oct 17, 2006

Sirotan is a seal.


The fact that dental implants are considered "cosmetic" is a goddamn crime, but jesus do I feel sorry for that guy. $78k and his mouth is more hosed up than when he started.

And sinus lift surgery? :aaaaa: Gonna go brush my teeth for about 5 minutes straight.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN😬
We joke that it is cheaper to get breast implants than dental implants; hell it is cheaper to get two new boobs than two new teeth (at least the teeth will probably last longer).

My wife had to get some dental implants to replace some extremely lovely bridge work she had done in the past. I'm at a point where I feel like the whole Dental industry is really scammy; Dental insurance (even through employers) still ends up being much more expensive than the equivalent medical coverage. And just because a dental procedure is expensive doesn't mean it will be well done, it seems to vary wildly depending on the dentist/orthodontist/endodontist. It reminds me a lot of barbers/hairstylists where the cost of the service often has little correlation to the quality of the work; some people will give you an amazing haircut for a good price and are worth their weight in gold, while other stylists overcharge out the rear end for very inconsistent results. But at least with hair it grows back and even expensive hair procedures are still sub-$1,000 affairs.

Solice Kirsk
Jun 1, 2004

.
hosed up teeth is a waaaaay bigger social pitfall than small tits. In the US anyways. Having a hosed up smile will torpedo all sorts of stuff. Interviews, dates....the list is endless!

spwrozek
Sep 4, 2006

Sail when it's windy

Panfilo posted:

We joke that it is cheaper to get breast implants than dental implants; hell it is cheaper to get two new boobs than two new teeth (at least the teeth will probably last longer).

My wife had to get some dental implants to replace some extremely lovely bridge work she had done in the past. I'm at a point where I feel like the whole Dental industry is really scammy; Dental insurance (even through employers) still ends up being much more expensive than the equivalent medical coverage. And just because a dental procedure is expensive doesn't mean it will be well done, it seems to vary wildly depending on the dentist/orthodontist/endodontist. It reminds me a lot of barbers/hairstylists where the cost of the service often has little correlation to the quality of the work; some people will give you an amazing haircut for a good price and are worth their weight in gold, while other stylists overcharge out the rear end for very inconsistent results. But at least with hair it grows back and even expensive hair procedures are still sub-$1,000 affairs.

That is because it is not really insurance. Dental insurance is a benefit plan. You pay lower fees for treatment until you hit the cap allowed. My GF (dentist) says the best thing you can do is buy a dental plan direct from a good doctor.

Also there are many practices that don't take insurance. They are called fee for service and don't agree to the insurance negotiated rates. They will bill your insurance for you but if they want to charge $2000 for a crown you will pay $1500 (if insurance covers $500). Where a practice with negotiated rates may only be able to charge $1000 and so you pay $500 OOP.

There is a lot of craziness in dental.

theHUNGERian
Feb 23, 2006

Guinness
Sep 15, 2004

Say what you will about the quality or necessity of a lot of dental stuff, at least when you call most dental offices and ask "what does it cost to do X" they can usually tell you pretty accurately. Same with most eye doctor offices. Incidentally dental and vision insurance tends to be pretty worthless as "insurance" and is mostly just a pre-paid service plan that hardly pays anything for stuff beyond the routine.

Try doing that at a doctor's office or hospital and you'll get nowhere at all. The whole "market based" medical care concept is fundamentally flawed for so many reasons, but if you can't even know what things cost up front then you don't have a market at all.

Guinness fucked around with this message at 19:59 on Oct 21, 2017

crazypeltast52
May 5, 2010



Solice Kirsk posted:

hosed up teeth is a waaaaay bigger social pitfall than small tits. In the US anyways. Having a hosed up smile will torpedo all sorts of stuff. Interviews, dates....the list is endless!

This surprised me when I was studying abroad and was around non-Americans who didn't notice it. Apparently we really care about teeth in the US, we're all bugged to notice crooked teeth because so much of the US had braces or knew people with braces growing up I guess.

baquerd
Jul 2, 2007

by FactsAreUseless

Guinness posted:

Try doing that at a doctor's office or hospital and you'll get nowhere at all. The whole "market based" medical care concept is fundamentally flawed for so many reasons, but if you can't even know what things cost up front then you don't have a market at all.

You don't have a transparent market, but you certainly have a market. It's just one with a critical mass of asymmetrical information.

greazeball
Feb 4, 2003



Guinness posted:

Say what you will about the quality or necessity of a lot of dental stuff, at least when you call most dental offices and ask "what does it cost to do X" they can usually tell you pretty accurately. Same with most eye doctor offices. Incidentally dental and vision insurance tends to be pretty worthless as "insurance" and is mostly just a pre-paid service plan that hardly pays anything for stuff beyond the routine.

Try doing that at a doctor's office or hospital and you'll get nowhere at all. The whole "market based" medical care concept is fundamentally flawed for so many reasons, but if you can't even know what things cost up front then you don't have a market at all.

There's a new project being started to try and gather some kind of data on medical pricing.

https://www.vox.com/policy-and-politics/2017/10/16/16357790/health-care-prices-problem posted:

Americans pay exorbitant prices for all kinds of care. As a health care reporter, I find myself writing about $25,000 MRIs, $629 Band-Aids — even a $39.95 fee just to hold one’s own baby after delivery. People send me these types of bills quite regularly via email.

The health care prices in the United States are, in a word, outlandish. On average, an MRI in the United States costs $1,119. That same scan costs $503 in Switzerland and $215 in Australia.

These are uniquely American stories, and they are the key to understanding our dysfunctional health care system. High prices are hurting American families. Most Americans who get insurance at work now have a deductible over $1,000. High prices are why medical debt remains a leading cause of bankruptcy in the United States, and nowhere else.

As Elodie’s case shows, health care prices in the United States are both high and unpredictable. We rarely know what our bill will be when we enter a doctor’s office, or even when we leave. The prices aren’t listed on the wall or a website as they would be in most other places where consumers spend money.

Today, I am launching a project inspired by these reader emails. My colleagues and I at Vox are asking readers to submit hospital bills through our secure system so we can start getting a nationwide picture of one particular hospital fee, called an emergency facility fee. The reason we’ve selected this fee is because nearly all hospitals charge one for seeking emergency room care, but the price varies enormously and is typically kept secret.

We plan to report back on our findings both here at Vox and in my new podcast, The Impact, a reported series that explores the big challenges in American health care through the lives of people who experience it. If you’d like to participate, there are more details for you here.

As that project launches, I wanted to spell out why these prices are such a problem for the American health care system. Obamacare didn’t tackle America’s high health care prices; neither did the Republican plans to repeal the Affordable Care Act.

Our health care prices explain why reform efforts continue to vex each political party. When you’re paying the highest prices in the world for basic services, for scans and drugs, it will undoubtedly be a struggle to provide all citizens with health care.

This is true for a Republican plan to replace the Affordable Care Act — and a plan backed by 17 Democrats to create a single-payer health care system. The problem is the prices — but right now, there is little political will to fix it.

greazeball fucked around with this message at 21:04 on Oct 21, 2017

Mantle
May 15, 2004

metallicaeg posted:

I was 3 in 1989 so I don't have personal experience, but from seeing old RadioShack/Best Buy/whoever else ads regarding PCs in the late 80s and into the mid-90s, sure you can look back and say $2800 was loving absurd, but that seems like just what was the going rate back then.

My first family computer was an XT clone in 1985 and my dad said it was $5000. $2800 in 1989 is a lot of money but no matter what the dude bought, it would have been out of date in 1 year anyways, let alone 2 years.

Hoodwinker
Nov 7, 2005

I finished reading Attack of the 50 Foot Blockchain and I can attest that it was both funny and informative. It's like one giant BWM post.

Virigoth
Apr 28, 2009

Corona rules everything around me
C.R.E.A.M. get the virus
In the ICU y'all......



This URL speaks for itself. http://fox59.com/2017/10/20/kokomo-mans-warning-after-having-16-guns-stolen-dont-let-strippers-in-your-house/

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
I can’t find it now, but I listened to an NPR story on dentistry that went over it’s weird sort of quasi-medical status. Considering the health aspects of good teeth, dentists should fall under the health insurance umbrella, but in the 19th century dentists and doctors had a falling out and they’ve been separate ever since.

Also we owned a $2k IBM PCjr. That poo poo was obsolete before it was even built.

Hot Dog Day #91
Jun 19, 2003

Reform dentists to send them to medical school and complete a dental residency. Do the same to podiatrists.

Optometrists too?

Ashcans
Jan 2, 2006

Let's do the space-time warp again!

Just reintegrate dentistry with barbers, so anyone with a stylist license can also do simple extractions.

Panfilo
Aug 27, 2011

EXISTENCE IS PAIN😬

Ashcans posted:

Just reintegrate dentistry with barbers, so anyone with a stylist license can also do simple extractions.

While they're at it, get them certified to perform minor surgical procedures as well. A guy that could give an affordable haircut, extract teeth, or pop a dislocated joint back into place would be pretty valuable. He'd probably make a decent living traveling to various small towns soliciting his services.

Subjunctive
Sep 12, 2006

✨sparkle and shine✨

ITT we reinvent the school of naturopathy.

bob dobbs is dead
Oct 8, 2017

I love peeps
Nap Ghost

NUKES CURE NORKS posted:

My cousin got the biggest paycheck of his life yesterday so he celebrated by rolling a joint with a $20 bill.

dude I knew did that with a benjamin after his startup exited, his share was $2 million
so you gotta include your cousin's paycheck size in that one. i don't know, what if he's a director at goldman?

(he's not a director at goldman)

bob dobbs is dead
Oct 8, 2017

I love peeps
Nap Ghost

Hoodwinker posted:

I finished reading Attack of the 50 Foot Blockchain and I can attest that it was both funny and informative. It's like one giant BWM post.

written by a goon (divabot) over in the yospos bitcoin thread. previous fights was with scientologists, gamergaters, singulatarians and some others I forget so this guy knows how to pick target-rich environments

bob dobbs is dead fucked around with this message at 19:49 on Oct 22, 2017

in a well actually
Jan 26, 2011

dude, you gotta end it on the rhyme

[quote="“Krispy Wafer”" post="“477623757”"]
Also we owned a $2k IBM PCjr. That poo poo was obsolete before it was even built.
[/quote]

Your mom's obsolete.

boop the snoot
Jun 3, 2016

bob dobbs is dead posted:

dude I knew did that with a benjamin after his startup exited, his share was $2 million
so you gotta include your cousin's paycheck size in that one. i don't know, what if he's a director at goldman?

(he's not a director at goldman)

He’s a plumber.

High Lord Elbow
Jun 21, 2013

"You can sit next to Elvira."

NUKES CURE NORKS posted:

He’s a plumber.

Being a plumber is incredibly good with money. Last quote I had was something like: "I'll fix the leak but I get to gently caress your wife and have right of first refusal on your children's kidneys. Also, six hundred dollars just for looking at the pipes."

Jeffrey of YOSPOS
Dec 22, 2005

GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

bob dobbs is dead posted:

dude I knew did that with a benjamin after his startup exited, his share was $2 million
so you gotta include your cousin's paycheck size in that one. i don't know, what if he's a director at goldman?

(he's not a director at goldman)
Yeah if you can't smoke afford to smoke a hundred you can't afford to smoke a twenty. I wonder what a lifetime of wiping your rear end with $1 bills costs.

Photex
Apr 6, 2009




Jeffrey of YOSPOS posted:

Yeah if you can't smoke afford to smoke a hundred you can't afford to smoke a twenty. I wonder what a lifetime of wiping your rear end with $1 bills costs.

If you gain your wealth at 30 and live to 100 it'd cost $76,550 if you poo poo 3 times a day.

Lowness 72
Jul 19, 2006
BUTTS LOL

Jade Ear Joe

Photex posted:

If you gain your wealth at 30 and live to 100 it'd cost $76,550 if you poo poo 3 times a day.

Do you poo poo 3 times a day? I think that's a bit excessive. Definitely BWM.

But if you up your fiber intake, they could be no wipers. GWM.

Jeffrey of YOSPOS
Dec 22, 2005

GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Lowness 72 posted:

Do you poo poo 3 times a day? I think that's a bit excessive. Definitely BWM.

But if you up your fiber intake, they could be no wipers. GWM.

Another case of americans doing it wrong. *turns on dom perignon bidet*

Ashcans
Jan 2, 2006

Let's do the space-time warp again!

Lowness 72 posted:

Do you poo poo 3 times a day? I think that's a bit excessive. Definitely BWM.

But if you up your fiber intake, they could be no wipers. GWM.

How many dollar bills do I have to eat to get the right amount of fiber?

Betazoid
Aug 3, 2010

Hallo. Ik ben een leeuw.

Enfys posted:

There's a big ongoing thread right now which is quite. It's a mix of mysterious possible fraud and terrifying stories of people's lives being turned upside down due to having the same name as someone else or other unfortunate errors:

(US) I'm about to vomit. My checking account is overdrawn by ($500,977.00)

A lot of the thread is then horror stories of terrible things happening to people:

Slightly unrelated, but a mix-up from a common name can be absolute hell. Wanted to share this incredible article I read about name mix-up issues:

https://www.theguardian.com/us-news/2017/apr/03/identity-theft-racial-justice

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

PCjr sidecar posted:

Your mom's obsolete.

I would compliment your username/post combo, but I have a variant of PCjr as an username on other sites and I wanted to make it consistent across the board. But then you had to exist.

EBB
Feb 15, 2005

NUKES CURE NORKS posted:

My cousin got the biggest paycheck of his life yesterday so he celebrated by rolling a joint with a $20 bill.

Always wondered if it ran in your family Cole

in a well actually
Jan 26, 2011

dude, you gotta end it on the rhyme

Krispy Wafer posted:

I would compliment your username/post combo, but I have a variant of PCjr as an username on other sites and I wanted to make it consistent across the board. But then you had to exist.

There's always room in the PCjr family! We've got light pens! A word processor with a spell check that takes half an hour to spell check a paragraph! Wireless keyboards! Cartridges! Microsoft Flight Simulator 2! Three-voice synth! Charlie Chaplin! There's never been a better time to be on the jr train!

melon cat
Jan 21, 2010

Nap Ghost

NUKES CURE NORKS posted:

My cousin got the biggest paycheck of his life yesterday so he celebrated by rolling a joint with a $20 bill.

I'm gonna one-up this story. One of my wife's cousins also got the biggest paycheck of her life not long ago since she got her first "office job" (not a high-paying job. It's a clerical position). So she celebrated by buying a new Mercedes S-Class. She was barely above-water with her bills beforehand, and her parents really tried their best to discourage her from such a foolish purchase.

And now she's on a weird spending spree buying the flashiest, silliest things that poor people think that rich people buy. Like LV trinkets and purses.

She still hasn't paid off her wedding from her previous marriage, btw.

Solice Kirsk
Jun 1, 2004

.

melon cat posted:

I'm gonna one-up this story. One of my wife's cousins also got the biggest paycheck of her life not long ago since she got her first "office job" (not a high-paying job. It's a clerical position). So she celebrated by buying a new Mercedes S-Class. She was barely above-water with her bills beforehand, and her parents really tried their best to discourage her from such a foolish purchase.

And now she's on a weird spending spree buying the flashiest, silliest things that poor people think that rich people buy. Like LV trinkets and purses.

She still hasn't paid off her wedding from her previous marriage, btw.

Just roll that negative marriage equity into your new one.

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Droo
Jun 25, 2003

melon cat posted:

I'm gonna one-up this story. One of my wife's cousins also got the biggest paycheck of her life not long ago since she got her first "office job" (not a high-paying job. It's a clerical position). So she celebrated by buying a new Mercedes S-Class. She was barely above-water with her bills beforehand, and her parents really tried their best to discourage her from such a foolish purchase.

And now she's on a weird spending spree buying the flashiest, silliest things that poor people think that rich people buy. Like LV trinkets and purses.

She still hasn't paid off her wedding from her previous marriage, btw.

She literally bought a $100,000 car on a ~$50k salary? How is that even possible

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