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BigDave posted:Since the House of Saud is undergoing a minor coup d'etat and bleeding money into a Yemenese civil war, prices might start heading back up. I don't follow the logic here. They'll cut back on production due to the above coup and costly war?
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Nov 19, 2017 04:06
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Proposition Castle posted:Just turn the meth heads loose and they'll find some real quick. Basically like those pigs that sniff out truffles. Tweakers can sniff out copper baby formula from a surprising distance.
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Nov 19, 2017 04:12
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My mom's financial life is a wreck: impending foreclosure and car repossession, multiple payday loans, etc and she asked me for help, any suggestions?quote:My mom called me yesterday freaking out, on the verge of tears. Her finances have been a mess for years (and I've been aware) but they've hit a point where she doesn't feel like she can dig herself out and wants to just walk away from everything and start fresh. She asked for my advice. She did not ask for money, but she did ask for help in getting out of this situation like if she walks away from the house, she needs help moving and finding a new place, that sort of thing.
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Nov 19, 2017 05:21
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legendof posted:My mom's financial life is a wreck: impending foreclosure and car repossession, multiple payday loans, etc and she asked me for help, any suggestions? Running the numbers and assuming a ~4.5% interest rate on a 30-year note, her monthly mortgage payment is probably around $350-400 a month. They make ~$70K combined and they're going to lose their home because they can't find enough cash each month to cover a mortgage that is less than their car payment, and less even than some of the particularly idiotic cellphone bills we've seen in this thread. I mean, if they can't even make that, how the hell are they going to afford rent? Even in Shitsville, Midwest, USA you're not going to find much in that price range that doesn't include the words "leaky" and "trailer". If there wasn't a kid involved (  ) I'd say let them get foreclosed on and live in their stupid minivan.
Porfiriato fucked around with this message at 06:02 on Nov 19, 2017 |
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Nov 19, 2017 05:59
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Oh to be so poor that you hope someone gives up their expensive mountain dews.
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Nov 19, 2017 06:43
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Senor Dog posted:I don't follow the logic here. They'll cut back on production due to the above coup and costly war? The mere idea that oil production might be troubled is probably enough to raise commodity prices. Also, I'm not sure if I was specific about how the mine was inactive mostly because apparently graphite's too cheap to be bothered producing more right now, while we're on commodities.
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Nov 19, 2017 06:52
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legendof posted:My mom's financial life is a wreck: impending foreclosure and car repossession, multiple payday loans, etc and she asked me for help, any suggestions? The mom being 50 and her kid wanting her to go get her GED and "find a better job" in hicksylvania is just 
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Nov 19, 2017 08:58
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It's like a treasure trove of horrible. I can't get over the 50k left on the mortgage, and yet they're paying 1% of that each month towards a minivan.
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Nov 19, 2017 10:15
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There's some kind of hipster-blogger style BWM site for women: Money Diaries, Where Millennial Women Go to Judge One Another’s Spending Habits quote:Money Diaries launched in January of 2016, premised on the idea that “the first step to getting your financial life in order is tracking what you spend.” By encouraging young women to record their expenditures, and to discuss their finances frankly, Refinery29 could, the theory goes, help young women become savvier about money. Actual site here Mostly it seems to be a place for people to judge each other, so like all social media except this one is based on money. quote:One woman who makes a hundred and twenty thousand dollars a year in media noted that her boyfriend picked up the bill for several outings. “50’s AF,” one commenter wrote. Women who pay for their boyfriends, such as a tech-industry worker with a salary of a hundred and forty-five thousand dollars (plus a thirty-thousand-dollar bonus), are equally scolded. “whyyyy would you ever let the boyfriend get off rent-free before you are married? . . . Women be trippin!” A Fordham student had virtually no income, and mostly subsisted on contributions from her parents. Naturally, this enraged the commenters—but so did plenty else about her spending habits. “drat she eats carbs every meal,” one wrote.
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Nov 19, 2017 14:36
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Senor Dog posted:I don't follow the logic here. They'll cut back on production due to the above coup and costly war? Saudi Arabia has been over producing to drive prices down and kill off all the shale drilling. It worked to a degree, but the US and Canada can still produce enough oil at current prices to keep being a problem for OPEC. If they cut back on production they can increase prices, but that'll bring in more shale producers. So they're kind of hosed. Which is why they're trying to reform their economy while they still have lots of cash and the coup is part of this.
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Nov 19, 2017 15:03
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BWM: carbs with EVERY meal???
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Nov 19, 2017 15:59
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http://www.washingtonexaminer.com/millennials-say-no-to-kids-population-replacement-level-turns-negative/article/2640743?platform=hootsuitet Lol, millennials are smart in some ways
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Nov 19, 2017 18:56
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I realize that Bitcoin is BWM easy-mode, but this one is still pretty good: https://www.youtube.com/watch?v=g1HzU_gHSDI tl;dw: Guy with a self-admitted "addictive personality" goes all-in on Bitcoin to the tune of 35k GBP (20k borrowed), buys in just before a dip, panic sells, panic buys "Bitcoin Cash" (a "fork" of Bitcoin promoted heavily by known Bitcoin scammer Roger Ver), starts day-trading to make up losses, loses even more (losses now 20k GBP total), meanwhile original flavor Bitcoin is back to where it was before it dipped. Choice quote: "I get all my financial advice from Reddit."
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Nov 19, 2017 19:18
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Bad With Money: I get all my financial advice from Reddit
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Nov 19, 2017 20:45
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Enfys posted:There's some kind of hipster-blogger style BWM site for women: This is one of my favorite parts about threads like this, Reddit, etc. The people who are just clearly looking for any reason whatsoever to scold. I remember reading one Reddit thread where they immediately lit up some poor woman for her “extravagant” expenses. I actually added them all up, and they came out to roughly $18,000 per year for everything (including her rent). Basically, with any given money thread, someone will be there to tell you that you really don’t need food or water.
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Nov 19, 2017 20:52
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SlyFrog posted:This is one of my favorite parts about threads like this, Reddit, etc. The people who are just clearly looking for any reason whatsoever to scold.
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Nov 19, 2017 21:35
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https://np.reddit.com/r/legaladvice/comments/7dy8g4/wa_my_sister_gave_parents_65k_for_a_new_house/ First off, some context: My 20 year old sister is blind and has some mental disabilities due to fetal alcohol syndrome. Our parents are horrible with money. I’m in college about 5 hours away. I had no idea anything was going on until my sister called me in tears 4 days ago. A few months ago, our parents wanted to purchase a house, for which they didn’t have enough money for the down payment. My sister has been working part-time jobs and has a sizeable nest egg built up which she wanted to use for her graduate degree. Our parents asked her for ALL her savings saying she’d be much happier there and everything would be fine and dandy. From what it sounds like, my sister was reluctant to give our parents money for the down payment, but our mom emotionally blackmailed her saying things like “You don’t love me” and “I don’t want to live if it has to be here (their current rental home).” Finally, she gives in and everything’s good. They have her sign what they told her was the form so that she could be on the house deed. Fast forward to recently. They closed on the house and moved in. My sister got home from one of her shifts, and our mom instantly starts screaming at her that she’s a freeloader and to get out of the house. She finally calms then, but then the next morning she and our dad approach my sister and say that she has to leave and they’re going to send her to her grandparents who live in the next county over. This is when I get a phone call. I do some digging and find out that the paper she signed which she thought was for the deed was actually for a gift letter. My question is: Does my sister have any recourse? She didn’t know she was signing a gift letter. Her life has basically been derailed. She’s living with our grandparents now and she has no money left. She’s had to call her jobs to quit because she can’t feasibly get to her workplace anymore. Sorry for the poor formatting/grammar. I’m just really worried for her and don’t know what to do. Thanks in advance for your guys help. Edit: Forgot to add that my sister has paid monthly for rent and some of the utility bills, but they’ve been in cash. what in the gently caress is wrong with people. How do you rationalize stealing from your blind, intellectually disabled (condition attributed directly to your loving selfish behaviour) child? How would you look at yourself in the mirror after that?
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Nov 20, 2017 00:00
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That is so irredeemably horrible that my only recourse is to hope that it's a fake story.
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Nov 20, 2017 00:14
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DarkHorse posted:That is so irredeemably horrible that my only recourse is to hope that it's a fake story. 
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Nov 20, 2017 00:15
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olylifter posted:https://np.reddit.com/r/legaladvice/comments/7dy8g4/wa_my_sister_gave_parents_65k_for_a_new_house/ I quoted the dead give away.
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Nov 20, 2017 00:15
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I believe it. If not true, countless near identical tales have occurred. People are largely overrated trash, IMO.
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Nov 20, 2017 00:24
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Mokelumne Trekka posted:http://www.washingtonexaminer.com/millennials-say-no-to-kids-population-replacement-level-turns-negative/article/2640743?platform=hootsuitet Boomers bankrupt a generation, then are astonished when they shy away from excesses.
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Nov 20, 2017 00:30
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Ok so what is going on with bitcoins, these are more anecdotal BWM.... I am sitting at a meeting right now at my real-estate job and its being held up because EMPLOYEE #1 has convinced BOSS to purchase whateverbullshitcoin at ICO at the very moment of the meeting. They went through the process of setting up his coinbase and Nano-dogecoin whatever account the boss puts in $500 and now theres no record of his purchase through either of the platforms. The guy who convinced him to purchase remarked "Its $1 a coin but soon it will be $10 a coin!" Which may be true but who the gently caress is going to buy the coin in the first place and in what currency will that purchase be? "So how can I tell if I bought this or not?" - Boss We are now still sitting here while EMPLOYEE #1 shows him the support line through coinbase in case he wants a refund... Bitcoin BWM part 2# Sitting in a coffee shop today. Three young silicon valley wannabe guys walk in and ask the shop owner about his empty basement space so they can setup a bitcoin farm. They went through the whole sales pitch but conveniently left out the intricacies of the coin exchanges and cost of electricity. But sold him on the sheer potential of the coin to go up. I want to pull my hair out in frustration but every response would just be "YEAH BUT BITCOIN IS 8,000 IS RIGHT NOW"
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Nov 20, 2017 00:37
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otoh it'll be really funny if they lose their life savings and post about it on the internet
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Nov 20, 2017 00:45
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Enfys posted:There's some kind of hipster-blogger style BWM site for women: Lol there's a girl earning over $200k/yr as a legal brothel worker in NV with zero debt and is saving $15k a month and people in the comments are still telling her to cut out Starbucks.
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Nov 20, 2017 03:50
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Youth Decay posted:Lol there's a girl earning over $200k/yr as a legal brothel worker in NV with zero debt and is saving $15k a month and people in the comments are still telling her to cut out Starbucks. On the other hand: "Health Insurance: I am currently uninsured, but it typically costs $400/month and up for private insurance." This seems kind of like a questionable decision for a brothel worker, legal or not. e: and then I read the rest of it, and yeah Jordan7hm fucked around with this message at 04:20 on Nov 20, 2017 |
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Nov 20, 2017 04:14
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Mokelumne Trekka posted:http://www.washingtonexaminer.com/millennials-say-no-to-kids-population-replacement-level-turns-negative/article/2640743?platform=hootsuitet How can we possibly win? If we have kids while living in our parents basements and working 30 hours at Starbucks then we are irresponsible, if we don't reproduce at replacement level then the clickworthy article headline is "millennials are killing the population" But obviously it's a rational response to the situation we are in, if you are paying any attention then the writing is on the wall for us. The boomers are really going to turn the screws on us with taxes to pay for their Medicare and Social Security into their golden 90s and at the same time they're going to soak up all the wonderful home equity we might stand to inherit some day with reverse mortgages. How can anyone afford to raise their own children?
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Nov 20, 2017 04:23
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I am a dumb millennial who had kids, and I can confirm that it was a terrible financial choice.
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Nov 20, 2017 04:34
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Was it worth it?
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Nov 20, 2017 04:43
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Senor Dog posted:I don't follow the logic here. They'll cut back on production due to the above coup and costly war? Krispy Wafer posted:Saudi Arabia has been over producing to drive prices down and kill off all the shale drilling. It worked to a degree, but the US and Canada can still produce enough oil at current prices to keep being a problem for OPEC. What this guy said.
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Nov 20, 2017 04:45
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If you don't have kids, who will inherit your lands and titles, avenge your death if you are slain in battle, or preserve your family's name and status by marrying up into a notable family and bearing healthy sons?
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Nov 20, 2017 04:48
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canyoneer posted:If you don't have kids, who will inherit your lands and titles, avenge your death if you are slain in battle, or preserve your family's name and status by marrying up into a notable family and bearing healthy sons? As much as Millenials seem to like watching the Game of Thrones they don't seem to be very good at playing it.
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Nov 20, 2017 05:04
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Jordan7hm posted:On the other hand: I'm curious what an insurance company would charge you if you said you were a brothel worker. quote:How can we possibly win? You can't unless you got lucky and guessed the right major / landed some amazing job. Even then, it depends heavily on where that job is located. On a boomer-related topic (I have to see if I can find these again to share), there were a series of two op-eds in my town's paper from the same guy this year... first one bitching about changing (ethnic) demographics and young people not having enough kids, and then the same guy bitching in another one months later about how the town library should close the children's programs and stop spending money on the Teen Center and tutoring programs because now the library is full of noisy children. Libraries, of course, should be dedicated only to elderly people apparently, and gently caress him having to spend a penny of his taxes on children's books or something? Meanwhile from my perspective, it's one of the best loving libraries I've ever seen for exactly all the reasons he hates it. I go in and see study rooms full of HS students working on homework, a little computer center with kids playing minecraft, toddlers sitting for reading time with volunteer parents, etc etc. I see that and say "gently caress yeah, this is awesome." So of course, we should burn it to the ground I guess. Actual Content... Hey guys, I agreed to a nearly undocumented Bitcoin investment scheme with my ex's psychotic brother. posted:Back earlier in the year, my ex's brother was in and out of the psych ward. I would visit him, just to keep him company, make sure he's doing alright, regular stuff. One visit, he proposes that he would give me bitcoin (initially asked me to take 15 BTC) from his business account to invest and then give him cash once he got out. I was uncomfortable handling so much money, but I was stupid and thought that I could perhaps make something out of it, so I said that we would begin with 6 BTC. He gave me all of the information needed to withdraw the bitcoin. Fast forward to now. The bitcoin is gone. I've been doing my best to pay him back, but it spiked heavily. We agreed that 20% on top of the initial lending was fair, meaning the total amount came out to a bit over $10,000. I've been doing my best to pay him back over the past 6-7 months. I've payed back almost 2,000. One month ago, he said that any amount not paid back by the end of the year would have interest accrued to it. Now he is threatening legal action if I am unable to come up with $9,000 by the end of the year. He suggested I consult a lawyer if I'm not prepared to (I'm not. Unemployed, talking to the bank currently about a loan). https://www.reddit.com/r/legaladvice/comments/7dy2o2/was_lent_btc_while_it_was_low_now_being/
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Nov 20, 2017 05:09
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Sundae posted:Actual Content... Ex’s brother + “in and out of psych wards” + “Bitcoin  business account” + conducting transactions solely by verbal agreements and Facebook messages + somehow losing his entire stake during the biggest Bitcoin bubble yet =  Oh man, that’s the good stuff there.
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Nov 20, 2017 05:26
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Don't register a rental car on the register. Then some guy you rent the car to transfers ownership of the car in his name. He uses the car as security for a $46000 loan that he, obviously, doesn't pay back. Because the car isn't on the register a judge confirms that the company that made the loan has a right to seize the car. http://www.newstalkzb.co.nz/news/na...tm_content=link
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Nov 20, 2017 06:04
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Devian666 posted:Don't register a rental car on the register. Then some guy you rent the car to transfers ownership of the car in his name. He uses the car as security for a $46000 loan that he, obviously, doesn't pay back. Because the car isn't on the register a judge confirms that the company that made the loan has a right to seize the car. Lopez is pretty GWM it seems like.
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Nov 20, 2017 06:09
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BWM: letting cars and not knowing about a register that's existed to secure property for 12 years.
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Nov 20, 2017 06:57
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canyoneer posted:If you don't have kids, who will inherit your lands and titles, avenge your death if you are slain in battle, or preserve your family's name and status by marrying up into a notable family and bearing healthy sons? Reverse mortgage your lands and titles, there is probably a subscription based startup somewhere to crowd source vengeance for your death somewhere too BEHOLD: MY CAPE fucked around with this message at 12:43 on Nov 20, 2017 |
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Nov 20, 2017 12:41
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BEHOLD: MY CAPE posted:Reverse mortgage your lands and titles, there is probably a subscription based startup somewhere to crowd source vengeance for your death somewhere too Avengr? I’ll build the website!
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Nov 20, 2017 14:42
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therobit posted:As much as Millenials seem to like watching the Game of Thrones they don't seem to be very good at playing it. GWM: Skip having kids, just adopt any cool bastards you come across in your travels
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Nov 20, 2017 15:06
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