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kimbo305 posted:Still got that humblebrag touch.
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Dec 23, 2017 22:22
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Phanatic posted:There are well over 1000 Long EZs out there, it's generally regarded as a safe and forgiving plane to fly.What killed Denver was (as fatal accidents usually are), a combination of several factors: He also had his pilots license pulled after his two DWIs.
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Dec 23, 2017 22:24
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kimbo305 posted:Still got that humblebrag touch.
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Dec 23, 2017 22:59
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BigDave posted:He also had his pilots license pulled after his two DWIs. Denver or his dad?
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Dec 23, 2017 23:21
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Midjack posted:Do it. We have a lot of folks knowledge but I haven't seen a detailed analysis of exactly how terrible they are. There are probably some undiscovered laffs to mine there. Colin Mockery posted:They’re horribly exploitative but I don’t know that I’d consider them BWM if you literally have no alternatives (because your parents tanked your credit score or you overdrafted too often or whatever). Cool, I'll try to find my old notes. I'll probably post after Christmas. Yeah, "horribly exploitative" is a better description than "BWM". I didn't go too much into why people use these services but yeah its a combination of having no choice and financial illiteracy which isn't really someone's choice either.
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Dec 23, 2017 23:54
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EAT FASTER!!!!!! posted:Denver or his dad? Denver, but his dad wouldn't surprise me.
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Dec 23, 2017 23:57
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Again, there are regional and super-regional banks out there that don't care about a Chexsystems record unless it either says you committed outright fraud or that institution is the one the took a loss. So a Wells Fargo does not necessarily care if you cratered an account at B of A, but if you owe money to Wells of course they wouldn't open it unless you paid them back. If all it is is an overdrawn account for a few hundred dollars, it is totally possible to open an account somewhere. Anyone committing empty envelope deposit fraud gets what they deserve. Some people do have judgements out there that will lead to them having anything garnished that they do put in there. And then they have to pay a garnishment fee. Those people should probably just declare bankruptcy, but if they don't or can't afford to, it is going to be better for them to pay to cash checks. A lot of them don't have the financial stability to be able to manage an account properly and not get overdrawn. While I don't have a lot of love for check cashing places or for payday lenders, it is important to understand that while they charge high fees, they aren't raking it in as much as you would think. Check cashers get hit with a lot of fraud, and payday lenders deal with a HUGE default rate. The question is basically whether that kind of service should exist at all, because with the risk profile of that market segment you need to charge enough that it is punitive to the people that DO pay back.
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Dec 24, 2017 00:08
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https://www.theatlantic.com/business/archive/2017/01/underbanked-servon/513542/quote:In recounting her work as a check casher, Servon notes that she was initially confused by some of her customers’ choices. In one example, Carlos (Servon identified him only by his first name), a construction worker who stopped by RightCheck frequently to have his checks cashed, handed over a check for $5,000 for cashing, which required a 1.95 percent fee—$97.50. Servon questions why Carlos would willingly pay such a large fee—plus the $10 tip he leaves Servon—instead of just depositing the money into a bank account and retrieving the entire sum later for free. Her coworkers at RiteCheck explain why that might not be an option: Carlos has workers to pay, some of whom might require cash for a variety of reasons, including lack of documentation. If Carlos doesn’t get his check until Thursday, a bank likely wouldn’t have the entire thing processed and available by Friday’s payday—24 hours later. In another example, a RightCheck regular comes by to get cash in small denominations and pays a hefty fee for it—despite the fact that there are ATMs in the neighborhood that would charge less, or nothing at all. When Servon, again asks why, she’s reminded that ATMs often only dispense denominations of $20, and check cashing customers often have an immediate need for less than the ATM would allow them to withdraw—and no more. “They pay the two dollars to get the eight dollars now because they can’t wait until their account builds up to twenty dollars,” Servon writes. “This is logical, albeit expensive, behavior.”
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Dec 24, 2017 00:33
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kimbo305 posted:Still got that humblebrag touch.
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Dec 24, 2017 00:46
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Bad With Money: The bus is slowing down to let more people on! Fake money mining leases + MLM = Wealth Generators. The company started out as a forex scam but has naturally moved on to crypto and has been targeting the same suckers as the makeup/fashion/diet MLMs.  quote:PV Stands for Personal Volume. Each product subscription has a volume value assigned. Personal Volume is derived from the product subscriptions that you personally sell. Our product subscriptions have volume values that range from 100 PV - 150 PV. When you personally sell a subscription package, your PV increases. Your product subscription, along with others that you sell, counts towards your total personal volume. Personal Volume is calculated only from active product subscriptions. quote:There is a one time $99.99 setup fee. WG is based on Ethereum, but there are bitcoin ponzi schemes doing the same thing.
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Dec 24, 2017 07:43
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If you could pay MLM people in a new MLM crypto cash and take their worthless fiat money from them. The future is here.
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Dec 24, 2017 08:38
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Foma posted:If you could pay MLM people in a new MLM crypto cash and take their worthless fiat money from them. The future is here. USI Tech (the bitcoin MLM/ponzi scheme I linked to a review of) is making their own cryptocoin called "Techcoin" so they've got it figured out.
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Dec 24, 2017 08:44
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BEHOLD: MY CAPE posted:I'm surprised that a Toyota engine that routinely goes for 200,000 or more miles with nothing more than routine maintenance could be destroyed by two hours of moderately high RPM operation If you drive it near the redline for two and a half hrs it is gonna overheat Automatic transmissions have 2 and L positions that prevent it from entering higher gears, pretty common. EIDE Van Hagar fucked around with this message at 08:51 on Dec 24, 2017 |
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Dec 24, 2017 08:48
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Foma posted:If you could pay MLM people in a new MLM crypto cash and take their worthless fiat money from them. The future is here. OneCoin.
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Dec 24, 2017 16:40
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evobatman posted:OneCoin. To rule them all and in the asset bubble fueled hysteria behind them?
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Dec 24, 2017 17:25
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Youth Decay posted:Bad With Money: The bus is slowing down to let more people on! Just wait ‘til we’re Bitcoin?
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Dec 24, 2017 17:42
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22 Eargesplitten posted:Just wait ‘til we’re Bitcoin? No, diamond works here too. Diamond Coins.
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Dec 24, 2017 17:50
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kwinklesOFFICIAL posted:If you drive it near the redline for two and a half hrs it is gonna overheat I did that somewhat recently. Not exactly sure how, but I swapped into L before hitting the highway. About 100 miles in, I realized the engine seemed to be making a lot of noise to maintain speed, and then noticed the tachometer showed > 5k rpm. I was able to put it back into D and continue on, hopefully without any significant damage. I'm honestly surprised that the cruise control system allows itself to get engaged when you're limited to lower gears.
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Dec 24, 2017 18:15
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therobit posted:To rule them all and in the asset bubble fueled hysteria behind them? No, it's an MLM scam. Its members makes bitcoiners look like Einsteins.
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Dec 24, 2017 18:24
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SpelledBackwards posted:I did that somewhat recently. Not exactly sure how, but I swapped into L before hitting the highway. About 100 miles in, I realized the engine seemed to be making a lot of noise to maintain speed, and then noticed the tachometer showed > 5k rpm. I was able to put it back into D and continue on, hopefully without any significant damage. I'm honestly surprised that the cruise control system allows itself to get engaged when you're limited to lower gears. If your engine was in good working order, it should have been fine. There is the occasional motor model whose factory tolerances are such that high revs and low loads lead to premature wear.
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Dec 24, 2017 18:28
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Who let AI in here?
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Dec 24, 2017 18:33
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Cars are BWM, as Mr Money Mustache would be happy to tell you.
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Dec 24, 2017 21:04
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22 Eargesplitten posted:Cars are BWM, as Mr Money Mustache would be happy to tell you. 
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Dec 25, 2017 05:23
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I just heard about one close to home. I don't know enough of the details to know exactly what happened or how screwed the people involved are, but... My uncle-in-law just (probably) lost 5 million RMB (750,000 dollars). He invested in a hotel in Beijing. It hasn't opened yet. My wife says it's still just a bare, empty space in a building. The guy running it comes to him saying the landlord is demanding 10 million RMB in rent (apparently they're paying up front for like 10 or more years?) and the project can't go forward until that's paid. Now that raises a lot of questions, and basically means there's three possible types of situation here (in ascending order of likelihood): 1. The guy running this hotel project is an idiot and didn't know that this rent was going to have to be paid up front. (The uncle definitely is an idiot, because he didn't think to check before handing over SEVEN HUNDRED AND FIFTY THOUSAND DOLLARS. In none of these scenarios is the uncle not an idiot.) 2. The guy running the hotel knew about the rent payment but kept this knowledge hidden from potential investors in case it scared people off, which could mean that he would not be able to get enough investors to make the payment. 3. The guy running the "hotel" never had any intention of building the hotel, and is in on the scam with the landlord. Oh, it gets worse. They MORTGAGED THEIR HOUSE for 2 million RMB (about 300,000 dollars) to make this investment. The only saving graces here are that the loan is low-interest, and they have income enough to survive this; but holy poo poo god drat this is some industrial-strength BWM.
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Dec 25, 2017 05:46
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Haifisch posted:GWM MMM style: Just uproot your entire life to live in a random cheap town. What do you mean not everyone has a job so portable they can do it from anywhere without even having to deal with getting hired in the new place? Funny thing is he didn’t even really pick a cheap town, assuming he’s in Longmont CO still. Cheap compared to most tech cities, sure. But you’re still looking at over half a million for a house easy. Maybe you could manage to find something for $300,000, but that’s if you’re lucky. Disclaimer: I’m using property prices from towns with similar rent, I’ve never even looked at property there. I just know the Boulder County average is over $1,000,000. Basically, for what he’s spending there he could have a mansion and luxury car in an actually cheap area. 22 Eargesplitten fucked around with this message at 06:00 on Dec 25, 2017 |
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Dec 25, 2017 05:58
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So MLM snake oil people use magic scanners to pick which snake oil to use they pay out the nose for them of course  and the result is a BWM singularity 
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Dec 25, 2017 07:53
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Youth Decay posted:So MLM snake oil people use magic scanners to pick which snake oil to use Essential oils are a special kind of crazy that a lot of suburban moms are getting into. I know an ivy league educated woman who is way i to it and recommends a different oil for every affliction. Worse than chiropractors. Maybe not, but bad.
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Dec 25, 2017 08:25
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I'm the blue dots over the eyes to protect the horse's right to privacy.
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Dec 25, 2017 10:41
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I'm reminded of those 'bomb-detecting' scanners used by the US military and later governments in the Middle East, among others, that don't actually do anything. The US military finally stopped using them after spending millions of tax dollars on them, but a lot of other governments and probably airport security do.
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Dec 25, 2017 11:09
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22 Eargesplitten posted:Funny thing is he didn’t even really pick a cheap town, assuming he’s in Longmont CO still. Cheap compared to most tech cities, sure. But you’re still looking at over half a million for a house easy. Maybe you could manage to find something for $300,000, but that’s if you’re lucky. It's cheaper than Boulder, and probably the cheapest of the 3 L's (Louisville, Lafayette, Longmont). But I wouldn't call it extremely walkable, or inexpensive, or...well, much of anything. It's a boring, car dependent suburb with erratic weather and just enough hippie, pretentious Boulder influence to be slightly irritating to most people.
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Dec 25, 2017 16:21
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blackmet posted:It's cheaper than Boulder, and probably the cheapest of the 3 L's (Louisville, Lafayette, Longmont). But I wouldn't call it extremely walkable, or inexpensive, or...well, much of anything. That sounds about right to me. You’re not getting anywhere out of town without either a car or one long bus ride. That said I might actually be moving there. Thankfully people with mustaches riding bikes are a dime a dozen so I wouldn’t need to know if I saw him.
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Dec 25, 2017 17:14
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Inescapable Duck posted:I'm reminded of those 'bomb-detecting' scanners used by the US military and later governments in the Middle East, among others, that don't actually do anything. The US military finally stopped using them after spending millions of tax dollars on them, but a lot of other governments and probably airport security do. While nobody can accuse the Pentagon of being GWM, US military never used the ADE 651, though a disappointing amount of aid money we gave Iraq went to paying for those dowsing rods. Or are you talking about Itemisers and other IMS detectors?
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Dec 25, 2017 19:11
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kwinklesOFFICIAL posted:I know an ivy league educated woman who is way i to it and recommends a different oil for every affliction. She's hopefully not a science major. If so, BWM for that education.
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Dec 25, 2017 19:25
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plane chat,: my dad was super pumped after he crashed his kit plane because the wreckage was on Google maps satellite then he was going to buy a kit plane that could transform into a car and I asked him to update his life insurance and will. he's super bad with money but one in ten of his crazy schemes pays off bigly so whatever
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Dec 25, 2017 19:29
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22 Eargesplitten posted:
This is in effect the reason he gave for moving there. I would definitely pay a premium to live anywhere I could mutually stand my neighbors.
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Dec 25, 2017 20:08
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I'm sure MMM is a cool guy in person. A certain level of preachyness makes sense for a blog. People don't want to read lukewarm endorsements and opinions.
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Dec 25, 2017 23:08
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Moderation and nuance isn't very entertaining.
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Dec 26, 2017 04:25
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Cicero posted:I'm sure MMM is a cool guy in person. A certain level of preachyness makes sense for a blog. People don't want to read lukewarm endorsements and opinions. The guy is a loving rear end in a top hat, financial advice aside. "Why would you watch a movie like a loser when you can learn a new skill? Why would you have any enjoyment when you could be a boring piece of poo poo like me?" The guy is a fuckwit.
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Dec 26, 2017 09:55
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CelestialScribe posted:The guy is a loving rear end in a top hat, financial advice aside.
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Dec 26, 2017 14:55
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CelestialScribe posted:The guy is a loving rear end in a top hat, financial advice aside. He's just standard internet advice on steroids. Lose your job? Hit the gym, delete Facebook, always be learning something useful that will make people want your dick. Learn guitar, learn to program, climb walls, learn a language, learn woodworking, profit. Lose your girlfriend? Hit the gym, delete Facebook, always be learning something useful that will make people want your dick. Learn guitar, learn to program, climb walls, learn a language, learn woodworking, profit. Dog die? Hit the gym, delete Facebook, always be learning something useful that will make people want your dick. Learn guitar, learn to program, climb walls, learn a language, learn woodworking, profit. Get a bad grade? Hit the gym, delete Facebook, always be learning something useful that will make people want your dick. Learn guitar, learn to program, climb walls, learn a language, learn woodworking, profit. You get the picture. There's a world of people out there offering advice that your life should consist of always doing something "constructive" and frankly, dull. There are far fewer people who actually seem to do this.
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Dec 26, 2017 15:10
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