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No Butt Stuff posted:They can't get married until two cats die. It's like a fairy tale really Really only need one of them to die and then it's time to  on the cohabitation.
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Jan 31, 2018 11:17
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tuyop posted:It's totally off topic but I currently can't imagine a job that pays so well and still gives you enough free time and energy to maintain several cats and a girlfriend. I'm just hollowed out every evening by my ridiculous 80k a year job and can barely drum up the energy to feed myself. What are these jobs?! Energy expanded at work does not correlate to pay. Seriously, middle management is awesome is what I'm saying.
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Jan 31, 2018 12:54
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How the hell can you marry someone without seeing if their gross habits are worth living with 
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Jan 31, 2018 17:43
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Lol, we've set foot in each other's homes before, stayed several consecutive days with each other, etc. The whole "gotta live together as a test run for marriage" is a pretty new concept, invented by the generation that gets married later and divorced more often than anyone.
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Jan 31, 2018 18:24
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Unfortunately, while a high rate of divorces is an indicator that many marriages are failing, a lower rate of divorce doesn't suggest the opposite - (a->b) does not imply (!a->!b). Man can you tell us about a serious disagreement you've had and what technique you two used to resolve the conflict? Alarm bells are ringing on my end - conflict resolution is pretty make-or-break as far as relationships go. I can at the very least imagine a relationship where you don't live together or discuss serious life stuff like finances where you also haven't ever resolved a serious conflict, and that's a lot more concerning to me than just not having discussed finances.
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Jan 31, 2018 18:30
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I can proudly say we have disagreements all the time  Just kidding. We have normal disagreements and the "technique" we use is called talking I guess? I read a book called the 7 Principles of Making Marriage Work and it was very helpful in maintaining good mindsets and ensuring that conflict is always "you two vs the conflict" rather than "you vs your partner" That book is actually insanely good and I do recommend. This is getting a bit off topic from my question of how to bring up a prenup though. I guess here's a new question - does anyone else here have a partner that doesn't have the exact same financial mindset as they do?
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Jan 31, 2018 18:43
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GoGoGadgetChris posted:I can proudly say we have disagreements all the time Yes and it almost led to a divorce and did lead to us separating our finances. Get a god damned prenup.
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Jan 31, 2018 19:05
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GoGoGadgetChris posted:I guess here's a new question - does anyone else here have a partner that doesn't have the exact same financial mindset as they do? I did and she’s now my ex-wife. In fact, I was wondering if you were going to marry her judging by what you’ve said ITT, because everything matches up. Although, she’s not a cat person, so I guess not. That’s good news for you. Polar financial mindsets like yours/hers are going to be rough to try to combine. After my current wife and I got together we had the financial talk and the most we disagree about is how much to save vs how much debt to pay off. It helps that we have pretty similar salaries though.
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Jan 31, 2018 19:10
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GoGoGadgetChris posted:This is getting a bit off topic from my question of how to bring up a prenup though. I guess here's a new question - does anyone else here have a partner that doesn't have the exact same financial mindset as they do? My partner came from "money is ment to be spent" mindset. In the last few years she had saved over $10k in index funds, separately from our joint savings and mortgage payments, and is on the way to seeing the benefits of financial independence as a goal. Makes me proud and happy!
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Jan 31, 2018 19:27
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Potrzebie posted:My partner came from "money is ment to be spent" mindset. In the last few years she had saved over $10k in index funds, separately from our joint savings and mortgage payments, and is on the way to seeing the benefits of financial independence as a goal. Makes me proud and happy! This is my hope and dream, too... although I know it's folly to go into a marriage expecting your partner to change. Fingers crossed on habits rubbing off, anyway.
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Jan 31, 2018 22:23
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sellouts posted:I am starting an s-Corp. I would like to keep track of both invoicing and receipts/expenses across several clients, both for my knowledge and to easily hand over to my tax professional. Freshbooks works fine for me for the last 4 years or so.
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Feb 1, 2018 01:14
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GoGoGadgetChris posted:The whole "gotta live together as a test run for marriage" is a pretty new concept, invented by the generation that gets married later and divorced more often than anyone. Until very recently there was a lot more pressure to stay in an unhealthy or abusive marriage, especially if you were religious (which more people are). So I wouldn't necessarily correlate those two things. Also while divorces are up, I haven't seen any data that suggests it's younger people who get divorced more (not saying it doesn't exist). Plenty of those who are middle aged are getting divorced nowadays.
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Feb 1, 2018 18:53
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Daily update - paid the remainder of my MBA in full today. Total cost, $62,000. Total paid by me, $38,000. Not too bad.
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Feb 1, 2018 19:53
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So I might have accidentally timed the market this month. I'm mostly following the Couch Potato method, with TD low cost index funds. I was doing my January re-balance two weeks ago, decided to increase my bond % (I'm getting old), and reduce my exposure to the US market by moving some stuff to the international index, because the run-up made me queasy and the political situation... Yeah. 
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Feb 2, 2018 23:41
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FrozenVent posted:So I might have accidentally timed the market this month. Oof, same. It's so counter to my philosophy (don't let the market make you change your long term plan) but I recently convinced myself that my New Longterm Plan should be 80/20 instead of 90/10. It's totally not market timing if it's your New Plan!!
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Feb 2, 2018 23:45
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Hi BFC. Hey here’s a cool question. What’s a good credit/debit card to use for buying a subscription to a porn site or twenty? I know card companies can be assholes about those places a lot of times and I’ve had issues in the past getting some of my cards to go through on them. I really need recommendations for debit cards because my only credit card doesn’t work right now and I’m totally unable to get a new one.
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Feb 3, 2018 17:28
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The BWM thread is your best bet to find an answer
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Feb 3, 2018 22:14
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ohgodwhat posted:The BWM thread is your best bet to find an answer I may not have even needed to ask that. A debit card tied to a checking account should be fine, right? I’ve never tried paying for it with a debit card so I don’t know, but maybe some places are assholes and won’t let me do that?
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Feb 3, 2018 22:22
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Thank you for paying for porn so the rest of us don't have to. Get a prepaid visa.
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Feb 3, 2018 23:21
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Hello BFC chatthread, I have a personal tutoring business where I teach math to students in the Portland area. It's pretty fun actually though driving around all day stinks. Anyway, I had some business cards printed up which has made giving contact details to clients easier, but I'm looking for bulletin boards and other places I can stick them up around town. I've tried some college libraries/bookstores and coffee shops, but few places seem willing to let me advertise a private thing there. Any ideas on cheap advertising opportunities? Appreciate any advice anyone has (or a better place to post this) and I am trying to go all week without eating restaurant food, wish me luck.
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Feb 5, 2018 15:40
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FrozenVent posted:Thank you for paying for porn so the rest of us don't have to. I don’t think prepaid cards work for buying porn. I don’t remember the exact reasons why but Google tells me they don’t work.
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Feb 5, 2018 19:33
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Because you can't do recurring payments on them
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Feb 5, 2018 20:08
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FrozenVent posted:So I might have accidentally timed the market this month. I'd like to revise my to a 
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Feb 5, 2018 21:31
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FrozenVent posted:I'd like to revise my I bought my shares on the 1st like I normally do... Long game guys...Long game.
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Feb 5, 2018 22:38
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I just canceled my stupid YouTube Red account that I never use that was costing me like twelve bones a month.
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Feb 5, 2018 23:31
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Now that football is over I can call and drop cable. That should save me about $70 a month.
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Feb 6, 2018 02:05
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DJCobol posted:Now that football is over I can call and drop cable. That should save me about $70 a month. Pro tip: find yourself a student (or maybe you have a .edu email) and use their email for nfl Sunday ticket. $99/season for students. Works like Netflix in that if you don’t pay, they just cut you off. It’s not a contract situation. Also: a friend of mine signed up for it ten years after the last time he stepped foot into a classroom and still got the deal.
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Feb 6, 2018 02:12
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boop the snoot posted:Pro tip: find yourself a student (or maybe you have a .edu email) and use their email for nfl Sunday ticket. $99/season for students. Works like Netflix in that if you don’t pay, they just cut you off. It’s not a contract situation. I still have my old alumni .edu email address from my school, so I'll have to try that next season. RedZone is really the only channel I want honestly.
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Feb 6, 2018 02:50
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spwrozek posted:Ally up to 1.35%, keep the good times rolling. Just checked and it's 1.45% now! Guess I'm finally going to open an account.
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Feb 15, 2018 17:26
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I must say watching all those Let's Play videos on Youtube saved me so much time and money on games and the hardware itself, especially games that strays into the realm of glorified CGI movies. *cough* Order 1886 *cough*
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Feb 15, 2018 17:54
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Palladium posted:I must say watching all those Let's Play videos on Youtube saved me so much time and money on games and the hardware itself, especially games that strays into the realm of glorified CGI movies. *cough* Order 1886 *cough* I bought FFVII on Steam for $5 on christmas and I am about 31 hours in. Money well spent I think, a fun replay since I really don't remember it at all. Sirotan posted:Just checked and it's 1.45% now! Guess I'm finally going to open an account. Yeah that just happened last week. Woot.
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Feb 16, 2018 02:10
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Only ate out for valentines this week. Otherwise been Costco cooking. Still poor with little hope, but it’s a small victory.
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Feb 16, 2018 10:52
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So this question probably doesn't have a perfect answer, but I figured I'd pose it as it might be interesting to discuss. There's a chance I change jobs this year, let's say 50/50. My current employer has a moderate fee 401(k) and no match. I could easily max this out within the next two months. If I leave, I could roll this into a low cost IRA. However, my next employer might have a match, but because I've already maxed out my 401(k), I assume I couldn't get it. If I want to take advantage of a potential employer match this year, should I back off or even eliminate 401(k) contributions for the time being? Can I max it out now and in some way recharacterize it so I could participate in a matching 401(k) in the future? What penalties might I have to pay? I imagine they would be less than the value of a 1:1 employer match. Alternatively, has anyone ever heard of asking for a portion of a signing bonus, for example, to be put into the employer portion of a 401(k)? That would be another avenue to sort this issue out.
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Feb 17, 2018 19:42
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ohgodwhat posted:Alternatively, has anyone ever heard of asking for a portion of a signing bonus, for example, to be put into the employer portion of a 401(k)? That would be another avenue to sort this issue out. I can't help you with the rest of your question, but I asked a similar question to this a long time ago. My guess is that this would violate the safe harbor rules, so probably wouldn't be allowed.
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Feb 17, 2018 21:03
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ohgodwhat posted:If I want to take advantage of a potential employer match this year, should I back off or even eliminate 401(k) contributions for the time being?
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Feb 17, 2018 22:45
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Make your contributions now and worry about a match if and when you get a new job with immediate 401K eligibility and immediate matching funds eligibility. In general, due to safe harbor requirements, it is difficult to receive a sign on bonus in the form of an employer 401K contribution.
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Feb 18, 2018 14:21
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Can someone please help reassure me that it's safe to exclusively use a debit card instead of a credit card? I've recently decided to completely cease borrowing money, and I want to drop the habit of using my credit card to pay for everything. I never keep a balance, and the cash back rewards are kinda cool, but the very idea that the potential for disastrous debt is in my back pocket is no longer worth it to me. But I'm worried about safety/security. Just a few months ago I got a bunch of fraudulent charges on my CC. I just called my CC company up and it was all taken care of. I understand that debit cards offer the same fraud protection so long as you run it as credit, but my concern is the fact that we're talking about people stealing money directly from my checking account. I have a lot of automatic bill payments coming out of my bank account, so a badly timed fraudulent charge could spiral into a big overdrawing mess. Is my worry warranted?
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Feb 21, 2018 04:08
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Spatulater bro! posted:Can someone please help reassure me that it's safe to exclusively use a debit card instead of a credit card? It's absolutely not a good idea for the reasons you laid out. One mistake anywhere can result in at best a bounced check. You also have an uphill battle to get your money back. Meanwhile your credit score could take a beating that no amount of "getting your money back" will resolve due to all of your late payments. Worst case you permanently lose the money, your payments are late or not paid, your car insurance is suspended automatically, and you are in an accident uninsured. Then you're arrested and your house burns down from the melodramatic narrative. If you insist you can mitigate the risk by opening a second checking account to use for non-essential spending (anything online). H110Hawk fucked around with this message at 04:17 on Feb 21, 2018 |
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Feb 21, 2018 04:14
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Stick with a credit card. Don't use the debit card.
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Feb 21, 2018 05:22
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If you already qualified for a CC then using debit is textbook BWM The only time I used a debit card is because I was a incomeless fuckoff student who wanted to buy stuff online that only accepts a CC facility payment
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Feb 21, 2018 07:24
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