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Dec 11, 2017 03:31
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I'm surprised that joke managed to pull out of the garage. I think it's been around as long as the stock market.
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Dec 11, 2017 04:39
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Solice Kirsk posted:I'm surprised that joke managed to pull out of the garage. I think it's been around as long as the stock market.  Have some more fresh BWM material then - harvested just this morning. My dad buys a Sudoku magazine. The most recent edition had one of those scratch-off thingies, and my dad won something. So he calls the number and they tell him that he will first have to pay them $30 per month for 3 months before they can pay him. He agreed.  Fortunately, before even giving them a cent, he realizes it's a scam because the other magazine also has the scratch-off thing and he won on that one too. What does he do? He buys 5 more magazines and compares their scratch-offs, and they too have the same pattern. I had to stop him mid-story and tell him to stop loving buying that poo poo.What really bothers me is that this is not the first time he has fallen for this scheme. Getting old sucks, but watching my dad get old is far more painful. He turns everything into his Vietnam and ends up complaining about _everything_ without ever doing poo poo about anything. The icing on the cake is that he is also forgetful, so I hear every story at least 4 times, typically >10 times.
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Dec 11, 2017 04:57
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Has anybody peeped the new subforum name yet?
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Dec 11, 2017 05:26
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Hoodwinker posted:Has anybody peeped the new subforum name yet? lmao. I'm going to pay off ~2k in crypto hardware in 2 months
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Dec 11, 2017 05:43
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theHUNGERian posted:Getting old sucks, but watching my dad get old is far more painful. He turns everything into his Vietnam and ends up complaining about _everything_ without ever doing poo poo about anything. The icing on the cake is that he is also forgetful, so I hear every story at least 4 times, typically >10 times. Welcome to what every old person transmutes into at any second.
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Dec 11, 2017 07:53
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https://www.reddit.com/r/personalfinance/comments/7j15lr/starting_back_college_at_30_years_old_next/[/quote posted:My grandmother unfortunately passed and left me an inheritance of $30,000. Full tuition to graduate with what I have left (91 hours) is $27,000. Figure I just use that inheritance for just that and get "free" tuition. But....should I look into buying a house as well? I'm stuck here for another 3 years quote:I am confident that I'll be making $60k at the least walking off of that podium in 3 years in that field as that is generally the entry level pay. Nightmare scenario is $50k, but that's still more than I make now ($35k-$40k). So, I'm not messed up about taking out max student loans as I go. I view it as an investment into my future. The pull to try to buy a house sure is strong for a lot of people.
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Dec 11, 2017 20:32
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The real estate industry has done a real good job of beating the idea of homeownership into the average American's head. Don't think too hard about whether it's actually a good idea or not in your circumstances, just do whatever you can to buy buy buy! Renting is throwing money away, get started building equity!
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Dec 11, 2017 20:42
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Honestly, in places with reasonably priced homes I can see the appeal. Stability and the freedom to do whatever the gently caress you want.
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Dec 11, 2017 20:59
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I see way too many BWM stories that seem to follow the same blueprint: -5 figures of consumer debt -massive student loan debt -barely making minimum wage or barely subsisting after paying minimum payments and $700 in candles every month -“I’d like to buy a house in the next 6 months what can I do?” or “I’m thinking of buying a house with my roommate/friend/girlfriend/horse”
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Dec 11, 2017 21:03
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Cicero posted:Honestly, in places with reasonably priced homes I can see the appeal. Stability and the freedom to do whatever the gently caress you want.
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Dec 11, 2017 21:15
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Cicero posted:Honestly, in places with reasonably priced homes I can see the appeal. Stability and the freedom to do whatever the gently caress you want. Did I mention he's going to school in central Arkansas?
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Dec 11, 2017 21:16
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Like oh nooo leaving the door open when I shower will definitely cause my paint to peel in 10 years ahhhhhhhhh is something that I'd never think of in a rented home.
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Dec 11, 2017 21:19
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Having your own house is cool, but everything else about homeownership sucksssss
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Dec 11, 2017 21:26
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Cicero posted:Honestly, in places with reasonably priced homes I can see the appeal. Stability and the freedom to do whatever the gently caress you want. But not for a student who will graduate soon. Stability is the worst for that sort of person. Most students will need to move for their first job, even if it is only across town.
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Dec 11, 2017 21:42
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canyoneer posted:Having your own house is cool, but everything else about homeownership sucksssss You can yell "get off my property" at people so there's that.
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Dec 11, 2017 21:55
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Nail Rat posted:You can yell "get off my property" at people so there's that.
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Dec 11, 2017 22:21
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Jeffrey of YOSPOS posted:You can yell this at anyone, anywhere. You are free now. Get off my property
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Dec 11, 2017 22:27
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A lease creates a leasehold interest to the lessee, which represents your real property possessory claim to your rental. Therefore you can exercise that right in a rental as well!
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Dec 11, 2017 23:53
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SlyFrog posted:What the gently caress are you talking about? Couple days back but just wanted to apologize, yours wasn't the post I'd meant to quote, which is why it doesn't make much sense.
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Dec 12, 2017 00:03
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https://www.reddit.com/r/personalfinance/comments/7iz13z/didnt_even_realize_i_was_digging_a_huge_hole/?st=jb2tzthb&sh=621f8599quote:I am 21 years old and I’m $23,000 in debt... and none of it is student loans or medical bills. I’m also a parent and I don’t have a degree. The best pay rate I can achieve is $10/hr and I feel like I’m drowning. I can’t figure out a way to pay these debts off in an efficient and timely manner without being completely broke. Of course, the OP is offered some very simple, obvious advice, but: WAHHHHH I DON'T WANT TO posted:I can return the PC, and I know I definitely should, but I’m still hesitant because it’s the only form of entertainment I have. The couch is a necessity but if I had the funds to buy a used one for much cheaper, I would definitely return it. SmileDirectClub is like Invisalign, only cheaper. I still owe ~$1,800 to them. Really, the whole thread is a giant litany of excuses. "I have soooooo much debt, how can I get rid of it without getting rid of anything or earning any more money or making any changes whatsoever???"
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Dec 12, 2017 00:44
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https://www.reddit.com/r/personalfinance/comments/7j3e08/managing_unaffordable_monthly_payments_at_17/?st=jb2ujbad&sh=95b92f8bquote:I’m a seventeen year old female and have around 2k in my account. I️ am pretty diligent about saving and have a decently paying job ($20 h). I️ may be bound to a monthly payment of around $1150 a month but my parents have agreed to pitch in $350 a month easing the payments for me making it a more bearable $800. I️ make around $180 a weekend but plan on picking up around 5 more hours a week. I️ could ideally pick up another job (likely paid 10.50 an hour),but managing work and school I’m assured will be too arduous to handle. I️ am determined to make this work I️ just can’t seem to work the logistics out myself. I’m aware of just how far of a stretch this will be but need to make this work. What should I️ be working weekly? Advice? Am I️ nuts for trying to do this? Wait, why does a 17 year old need $1150/month? Medical bills? Sports car?? It's a horse.
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Dec 12, 2017 00:52
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re: PC guy Got to be a troll.
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Dec 12, 2017 00:54
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I assumed that was a girl. But it was probably real as he/she has deleted their post in shame.
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Dec 12, 2017 01:28
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Moneyball posted:re: PC guy The couch is the dead giveaway. That and the gaming PC when everyone knows you don't PC game on a couch.
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Dec 12, 2017 01:29
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FateFree posted:I assumed that was a girl. But it was probably real as he/she has deleted their post in shame. Clearly reading comprehension is not my strong suit. I see $2,200 gaming PC and instantly picture some neckbeard.
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Dec 12, 2017 01:43
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Krispy Wafer posted:The couch is the dead giveaway. That and the gaming PC when everyone knows you don't PC game on a couch. just lol if you don't have your pc hooked up to both a monitor and your giant gently caress-off tv for both serious business and couch play.
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Dec 12, 2017 02:25
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The Butcher posted:Couple days back but just wanted to apologize, yours wasn't the post I'd meant to quote, which is why it doesn't make much sense. Jesus, contrition on the internet. It's going to rain frogs soon. I'm sorry I went a little nuts on you, internet buddy. 
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Dec 12, 2017 02:25
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April posted:https://www.reddit.com/r/personalfinance/comments/7j3e08/managing_unaffordable_monthly_payments_at_17/?st=jb2ujbad&sh=95b92f8b Bottom line: If you're not an Olympic level rider you shouldn't be spending that much money on a horse. And if you are an Olympic level rider the owners are paying you to ride their horses so you still shouldn't be spending that much money on a horse.
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Dec 12, 2017 04:11
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April posted:https://www.reddit.com/r/personalfinance/comments/7j3e08/managing_unaffordable_monthly_payments_at_17/?st=jb2ujbad&sh=95b92f8b
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Dec 12, 2017 04:43
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Suspicious Lump posted:Nono, it's a loving LEASE of a horse. lol, how is that a thing? After 5 years you get the option to buy the horse at about 1/2 the retail cost. Not for most people, but if you ride a horse for work it can be a good idea. No it isn't. Never lease a goddamn horse.
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Dec 12, 2017 05:43
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Suspicious Lump posted:Nono, it's a loving LEASE of a horse. lol, how is that a thing? Horse leases are remarkably common in show hunter* land, particularly with ponies since they are outgrown in a few years, or in the junior hunters (what the OP wants to do) since the rider ages out of the division at age 18. Since a fully-trained A rated show hunter costs six figures, and the rider will only be riding it for a few years, a lease can make sense. Also, even horses that cost over $100k are constantly looking for ways to hurt themselves, and with a lease if the horse goes dead-legged lame one day the lessee won't be stuck with it. Spending $1150/month on a lease is still ridiculous any way you slice it, of course. *Show hunters are horses who are supposed to look pretty jumping slowly over small fences, as opposed to show jumpers who jump big fences as fast as possible. Unlike show jumpers the hunters don't earn large cash prizes and don't compete in the Olympics so it is literally all for rich person bragging rights.
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Dec 12, 2017 05:45
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Krispy Wafer posted:The couch is the dead giveaway. That and the gaming PC when everyone knows you don't PC game on a couch. I know there are people who rent furniture, but that couch line about being unable to purchase one (therefore "having" to rent) totally gives it away. Couches are free. People literally give them away all the time.
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Dec 12, 2017 05:58
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Elysium posted:I know there are people who rent furniture, but that couch line about being unable to purchase one (therefore "having" to rent) totally gives it away. quote:[–]slavy 7 points 1 day ago
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Dec 12, 2017 06:17
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In some places getting a "free" couch can lead to an expensive bedbug infestation.
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Dec 12, 2017 06:19
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Konstantin posted:In some places getting a "free" couch can lead to an expensive bedbug infestation. Having bedbugs means never being alone.
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Dec 12, 2017 07:23
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You can buy a perfectly decent couch for less than a couple hundo off of craigslist too, but that assumes the ability to move it.
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Dec 12, 2017 14:24
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Youth Decay posted:the difference between show hunters and show jumpers I honestly thought I'd already learned all the dumb poo poo about horses there is to know, but this thread still finds a way to surprise me.
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Dec 12, 2017 16:39
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Never get a couch that you can't bench press.
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Dec 12, 2017 16:53
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Hoodwinker posted:You can buy a perfectly decent couch for less than a couple hundo off of craigslist too, but that assumes the ability to move it. Don't resort to Craigslist for anything you sleep on or with.
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Dec 12, 2017 16:53
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