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Moneyball posted:This thread is going places. Speaking of eugenics. Edit: poo poo, new page. https://www.reddit.com/r/personalfinance/comments/7o48ap/bit_off_more_than_i_can_chew_with_my_first_home/ quote:I got caught up with the excitement of buying my first home, and ended up purchasing a nice house in a nice neighborhood. My mortgage is already pretty high, but that along with monthly utilities, and I’m straining each month. I’ve also had to replace both the roof and the air conditioning unit (twice) and it’s just more than I can realistically handle. quote:I make around $36,000 a year, and my home cost a total of $184,000. My monthly mortgage is $975. Foundation, plumbing, etc. are good. The house is nice, I just feel silly bc it’s my first home, I live by myself, and I really didn’t need something this nice. H110Hawk fucked around with this message at 19:42 on Jan 4, 2018 |
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Jan 4, 2018 19:39
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gently caress, I wasn't expecting no poo poo unironic genetic determinism in the BWM thread. 2018 is delivering out of the gate.
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Jan 4, 2018 19:51
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As I've always said, if we could just stop reproducing for say, 100 years, it would solve all problems.
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Jan 4, 2018 19:53
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Moneyball posted:As I've always said, if we could just stop reproducing for say, 100 years, it would solve all problems. Wrong. The 105 year olds would be incredibly lonely.
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Jan 4, 2018 19:54
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Are we still doing horses? Which is worse with money,
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Jan 4, 2018 19:58
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Budgie posted:Are we still doing horses?
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Jan 4, 2018 20:03
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Should I file bankruptcy for a $460k judgement? https://www.reddit.com/r/personalfinance/comments/7o53tb/should_i_file_bankruptcy_for_a_460k_judgement/ quote:Hey Everyone, No, you should file to get adjudicated as mentally unfit to handle your own finances.
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Jan 4, 2018 20:03
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Budgie posted:Are we still doing horses? What about whorses? Or is that just horse leasing?
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Jan 4, 2018 20:04
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Also from the $460k judgment postquote:We are locked into a lease for another 3 years on the house, and most things really can't be cut anymore than they are without significant impact to our credit scores. I can't say I've ever heard of a home lease for that long before. Judgment: Guillotine.
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Jan 4, 2018 20:08
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quote:Groceries: $1500/mo (teenagers!) Jesus, how many?! 
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Jan 4, 2018 20:29
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Panfilo posted:People getting mad about family giving them gifts is one of the biggest First World Problems you can come up with this time of year. If your kids already have plenty of toys then you can take the unneeded toys and donate them to kids whose family couldn't afford any presents. Even better, get your kids involved to help them understand how privileged they are. The implication is not that we resent getting stuff, it's that our loving idiot relatives are putting themselves on financial life support by overextending themselves in order to out-pace one another and teaching our kids that stuff = love.
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Jan 4, 2018 20:31
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Spending yourself into quadruple digit debt is a time honored holiday tradition. What? Do you not love your family? Get another credit card and make the season special you cheap bastards. You'll have most of it paid down by next Christmas anyways.
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Jan 4, 2018 21:14
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Panfilo posted:People getting mad about family giving them gifts is one of the biggest First World Problems you can come up with this time of year. Nah. Potlatch is an ancient gripe.
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Jan 4, 2018 21:19
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John Smith posted:Oh, you mean you tell your boss he is an rear end and your brother-in-law that he is a fool for buying that boat? Good for you! Yup! I have skills and multiple sources of income so I'm not afraid to tell higher ups when they're being idiots. I also don't work with assholes or people that annoy me, having skills in busy metro areas lets you define your terms of employment. You know, the self-made rhetoric you often spin and all. I'm my own dude and I own up to my thoughts/opinions anywhere, etc My point with that one bad poster was, if you're coming to the internet to vent out your "true feelings and thoughts," it's very likely you just have toxic ideas that you are unable or unwilling to identify. This has been an increasing trend with bitter first world dudes lately That said, sorry thread! I'm all done contributing to the derail shenanigans, I just wanted to offer a response to john smith after side sniping his name into a comment KingSlime fucked around with this message at 21:35 on Jan 4, 2018 |
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Jan 4, 2018 21:32
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Inept posted:Also from the $460k judgment post Me neither, I'm assuming it's because everything in Texas is a boss hog nightmare.
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Jan 4, 2018 21:50
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KingSlime posted:Yup! I have skills and multiple sources of income so I'm not afraid to tell higher ups when they're being idiots. I also don't work with assholes or people that annoy me, having skills in busy metro areas lets you define your terms of employment. You know, the self-made rhetoric you often spin and all. I'm my own dude and I own up to my thoughts/opinions anywhere, etc Dude shut up man. Nobody cares about any of this. Making a shitpost and apologizing for it at the same time is dumb.
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Jan 4, 2018 21:59
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NancyPants posted:Me neither, I'm assuming it's because everything in Texas is a boss hog nightmare.
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Jan 4, 2018 22:09
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You guys inspired me to search for "essential oils" on Go Fund Me! Donate money so I can buy essential oils from myself and donate them to classrooms! Sucks to be the kid with asthma! https://www.gofundme.com/essentialoilsineveryclassroom quote:Essential Oils in Every Classroom I listened to a webinar, and now I really need $1,500 to become a certified essential oil coach! https://www.gofundme.com/certified-essential-oil-coach quote:Certified Essential Oil Coach
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Jan 4, 2018 22:40
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Motronic posted:Should I file bankruptcy for a $460k judgement? There's the good poo poo!
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Jan 4, 2018 22:45
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Staryberry posted:Dr. Axe Why dab those essential oils when you can body spray 'em
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Jan 4, 2018 23:16
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Vox Nihili posted:There's the good poo poo! I saw the rent and tolls and assumed they lived in NJ or something - but uh, how do you spend that much in Texas . . .
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Jan 5, 2018 00:18
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EAT FASTER!!!!!! posted:The implication is not that we resent getting stuff, it's that our loving idiot relatives are putting themselves on financial life support by overextending themselves in order to out-pace one another and teaching our kids that stuff = love. This is something I see from our relatives. My husband and I are very comfortable and we have politely asked our relatives not to buy us things because we know they are in a far more precarious position than we are. It never fails that my MIL buys me $100+ of clothes for christmas and a gift card or something for my birthday and honestly, I just don't need it. I've started returning items and buying socks/underwear/blankets for the homeless with store credit. It bothers me that I can't seem to convince them to just not buy things though. When we're looking at christmas for nieces/nephews we specifically ask their parents what do they realistically need - Is the kid interested in lessons for guitar/piano/drums etc? Do they need new cleats for soccer practice? Useless clutter is dumb.
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Jan 5, 2018 00:57
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Horses are BWM, even for stupidly rich sheikhs. Al Shaqab say sorry as they admit to causing major racing debts problem https://www.racingpost.com/news/news/al-shaqab-left-embarrassed-as-it-admits-to-causing-major-racing-debts-problem/314360 quote:Al Shaqab general manager Khalifa Al Attiya has claimed the problems are linked to a financial review and reorganisation. quote:In a statement sent to the Racing Post, Al Attiya said: "Al Shaqab is operating like every other business with accountability and responsibility. Our responsibility is to finalise our yearly financial review and settle any invoices owed fully.
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Jan 5, 2018 01:56
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My wife was watching Real Housewives of LA and one of the housewives was riding in some competitive equestrian event. Even on a show that celebrates the ostentatious display of wealth they were complaining how expensive horses are. $10k handbags are one things, but have you seen what it costs to shoe a horse every six months?
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Jan 5, 2018 02:09
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NancyPants posted:Me neither, I'm assuming it's because everything in Texas is a boss hog nightmare. Actually Texas is pretty good about this stuff. Max they would be out for breaking the lease is like $4,000. That's if the landlord even tries to go after them. And it's basically impossible to garnish wages unless you're the IRS.
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Jan 5, 2018 03:00
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Harry posted:Actually Texas is pretty good about this stuff. Max they would be out for breaking the lease is like $4,000. That's if the landlord even tries to go after them. And it's basically impossible to garnish wages unless you're the IRS. There's far more to breaking a lease than the immediate monetary cost. Texas doesn't strike me as the kind of place where you can't blacklist a renter for having walked out on a lease before, considering it's the kind of place where it's perfectly legal to charge people more if they don't want you walking in with no notice in the final month of the lease. It might be perfectly legal to leave, but with his lovely credit (600, really?), huge debt compared to income, and generally being an idiot, he might be better off staying there and cutting costs elsewhere. If he can declare BK, that additional 3 years is just as much a guarantee for him that he's got a place to live as it is locking him in.
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Jan 5, 2018 03:31
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NancyPants posted:There's far more to breaking a lease than the immediate monetary cost. Texas doesn't strike me as the kind of place where you can't blacklist a renter for having walked out on a lease before, considering it's the kind of place where it's perfectly legal to charge people more if they don't want you walking in with no notice in the final month of the lease. quote:considering it's the kind of place where it's perfectly legal to charge people more if they don't want you walking in with no notice in the final month of the lease.
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Jan 5, 2018 03:44
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last laugh posted:I saw the rent and tolls and assumed they lived in NJ or something - but uh, how do you spend that much in Texas . . . $200 in tolls probably means they take express lanes every day to skip the traffic, unlike NY/NJ or Chicago where the whole highway is tolled. Still doesn't explain where the giant settlement came from.
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Jan 5, 2018 03:50
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Harry posted:No it's not lol. Yeah I have no idea what he's talking about with the second bit, but you'll definitely be blackballed out of several to most options (depeending on demand) if you have a broken lease in your rental history. I don't think it completely cuts you out off the shittiest options, but it can be a serious obstacle depending on your needs and circumstances. Anyways my friend maxed out his credit card to buy some kind of new altcoin or something called TRX. I was already giggling internally until he told me he's now got an extra $22k. I may or may not have proceeded to buy a tiny bit of magical digital internet coins right after that call. *sigh*
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Jan 5, 2018 04:24
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Harry posted:In Texas you can rent a nice 2 bedroom apartment within 10 minutes of downtown of any of the major cities for $1400-$1500. If the apartment really doesn't trust him, they'll make him put up a months worth of security deposit. edit: EwokEntourage posted:Standard apartment lease in Texas doesn't even require advanced notice that they'll enter, just that it be at a reasonable time and they leave a note saying they were there if you aren't there Hot Dog Day #91 posted:Just to be clear: most landlords don't do that in Texas. Crazy ones, power tripping managers, etc do.
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Jan 5, 2018 05:03
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It came from /r/legaladvice: NEW YORK: Fighting abusive credit card company https://www.reddit.com/r/legaladvice/comments/7mgc60/new_york_fighting_abusive_credit_card_company/ posted:Way back when I was in college I racked up a lot of debt, about $2300 total. Stupid I know. I let it go for a few years. Stupider I know. Four months ago I got a letter from a lawyer threatening to sue unless I paid them $6848. quote:[–]grasshoppa1 Quality Contributor 153 points 8 days ago
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Jan 5, 2018 05:18
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NancyPants posted:edit: I work in the apartment industry in Texas. The standard lease (TAA) does state 24 hour notice. And when I say standard lease, I mean what every apartment complex uses. A complex can opt to remove that though. HDD 91 must be dealing with a private landlord who added his own thing. If so, don't agree to something you don't like. quote:Yeah I have no idea what he's talking about with the second bit, but you'll definitely be blackballed out of several to most options (depeending on demand) if you have a broken lease in your rental history. I don't think it completely cuts you out off the shittiest options, but it can be a serious obstacle depending on your needs and circumstances. Harry fucked around with this message at 05:30 on Jan 5, 2018 |
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Jan 5, 2018 05:24
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Harry posted:I work in the apartment industry in Texas. The standard lease (TAA) does state 24 hour notice. And when I say standard lease, I mean what every apartment complex uses. A complex can opt to remove that though. HDD 91 must be dealing with a private landlord who added his own thing. If so, don't agree to something you don't like. You're telling me landlords don't care if you broke lease at your previous place? Really?
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Jan 5, 2018 06:05
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Does anyone here know a lot of people who do MLMs? I only know four people who do (my aunt who has been chronically unemployed, two people from high school, and weirdly enough my cousin who is a military wife but also earned a Masters in Economics from a pretty good school. But it's apparently a big problem in some circles.
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Jan 5, 2018 06:36
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Nirvikalpa posted:Does anyone here know a lot of people who do MLMs? I only know four people who do (my aunt who has been chronically unemployed, two people from high school, and weirdly enough my cousin who is a military wife but also earned a Masters in Economics from a pretty good school. But it's apparently a big problem in some circles. I've never known anyone who's been big into it but my SIL is trying to sell some skin care stuff. My cousin has been trying to sell younique. A good friend of mine was into Lularoe and I even guilt bought a skirt  . My sister did pampered chef for a while. Another good friend did itworks and managed to alienate most of her friends and then luckily realized it and quit. Another person tried to get me to go to a jamberry party - which by the way - is the laziest poo poo on earth because its like a loving skype party. lazy! If it were just one of those people i'd barely notice it but put them together in my social circles and social media and it gets obnoxious.
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Jan 5, 2018 06:53
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EAT FASTER!!!!!! posted:The implication is not that we resent getting stuff, it's that our loving idiot relatives are putting themselves on financial life support by overextending themselves in order to out-pace one another and teaching our kids that stuff = love. Buying us a roof rack to carry all the stuff they can't afford to give us is just the cherry on top of the BMW banana split they got going on. Nirvikalpa posted:Does anyone here know a lot of people who do MLMs? I only know four people who do (my aunt who has been chronically unemployed, two people from high school, and weirdly enough my cousin who is a military wife but also earned a Masters in Economics from a pretty good school. But it's apparently a big problem in some circles. moana fucked around with this message at 07:07 on Jan 5, 2018 |
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Jan 5, 2018 07:05
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Haifisch posted:It came from /r/legaladvice: Only $20/hr for warehouse work lol how much does he think he’s going to make with his degree with no experience and that horrible work ethic? For that $480K judgement, would a judge approve that with his income being so high?
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Jan 5, 2018 07:30
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Haifisch posted:It came from /r/legaladvice: Does that person explain how they live without a job?
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Jan 5, 2018 07:51
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Senor Dog posted:You're telling me landlords don't care if you broke lease at your previous place? Really? In Austin I've specifically been told by staff members that a past broken lease would have disqualified me from renting at my current complex. Maybe that includes the assumption of non payment rather than just a broken lease with all payments made on time and acct closed out? 
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Jan 5, 2018 07:56
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moana posted:It's a church thing and a stay at home mom thing. If you're not in one of those circles, you probably can avoid most of it. That makes more sense. That's why my cousin got into it, because she had a kid. Too bad her education didn't let her see it was a bad deal. I think she is still involved because I got some lularoe leggings for Christmas. Most of my friends list don't have any kids yet.
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Jan 5, 2018 08:12
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