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BEHOLD: MY CAPE
Jan 11, 2004
Just for the record I have $5MM in life insurance but I have a mysterious hot air balloon accident exclusion in the policy, how's that for 11D chess

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Hoodwinker
Nov 7, 2005

BEHOLD: MY CAPE posted:

Just for the record I have $5MM in life insurance but I have a mysterious hot air balloon accident exclusion in the policy, how's that for 11D chess
"If we hit that bullseye, the rest of the dominoes will fall like a house of cards. Checkmate."

Orange DeviI
Nov 9, 2011

by Hand Knit

Moneyball posted:

I will fight anyone who takes this bait. Other than EF because he got to it already

Taking free bait is GWM

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
The dating app can't use credit score. I know plenty of poors making $99,000- a year but their multiple credit cards and auto loans give them a nice 750+ score

My wealthy peers in the $101,000+ caste typically have a solid 750+ too due to low utilization and their primary/vacation home mortgages

Would it be appropriate to match them? No, lol, I don't even think they can produce fertile offspring

The app must display net income per month, after expenses and Healthcare but BEFORE retirement contributions

Hoodwinker
Nov 7, 2005

GoGoGadgetChris posted:

The dating app can't use credit score. I know plenty of poors making $99,000- a year but their multiple credit cards and auto loans give them a nice 750+ score

My wealthy peers in the $101,000+ caste typically have a solid 750+ too due to low utilization and their primary/vacation home mortgages

Would it be appropriate to match them? No, lol, I don't even think they can produce fertile offspring

The app must display net income per month, after expenses and Healthcare but BEFORE retirement contributions
No, it must include retirement contributions in the mix so we don't mix the filthy no-savers with the enlightened saving vanguard. Additionally, it should pull bank data to see if they're keeping too much in their checking accounts that could be better kept in either a high yield savings account (which must be flagged for its appropriate short-term savings purpose) or a taxable brokerage account. Speaking of brokerages, any investments not in low-cost index funds (<0.2% ER) are an immediate red flag.

With regards to credit cards, if they have a rewards card, that's a green flag, but if they failed to achieve the sign-up bonus, that's a red flag. If they opened a new card but converted the points to cash directly instead of the most efficient option for the card (miles or whatever), that's a red flag.

We can't allow such financially suboptimal swine to breed. It would go against the true Objectivist order of things, where the strong master the weak, and somehow wealth is a facsimile for moral virtue.

John Smith you are not allowed to quote or respond to this post, thanks

howdoesishotweb
Nov 21, 2002

GoGoGadgetChris posted:

The dating app can't use credit score. I know plenty of poors making $99,000- a year but their multiple credit cards and auto loans give them a nice 750+ score

My wealthy peers in the $101,000+ caste typically have a solid 750+ too due to low utilization and their primary/vacation home mortgages

Would it be appropriate to match them? No, lol, I don't even think they can produce fertile offspring

The app must display net income per month, after expenses and Healthcare but BEFORE retirement contributions

I’m guessing mandatory prenups in the registration TOS?

EAT FASTER!!!!!!
Sep 21, 2002

Legendary.


:hampants::hampants::hampants:

please knock Mom! posted:

Taking free bait is GWM

Second mouse gets the cheese!

Hoodwinker
Nov 7, 2005

howdoesishotweb posted:

I’m guessing mandatory prenups in the registration TOS?
Of course. And it's all stored on the blockchain.

therobit
Aug 19, 2008

I've been tryin' to speak with you for a long time

EAT FASTER!!!!!! posted:

OH I've got one. My wife is also a physician and one of her female coworkers (herself a physician) lets her husband do all their finances.

He makes substantially less than she does and works far fewer hours than she does but still refuses to help in any meaningful capacity with the children so they have big line items for childcare and whatever else.

She "checks in" on the money every once in a while because she's earning most of it and it turns out without saying anything he's purchased a loving hot air balloon.

Full jointly managed finances or sever, IMO.

Thanks for this, it made my morning.

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog
I was once an ignorant, idiot fool too, hoodwinker, but then I realized that screening out non 401k contributors would also screen out the Old Money and the Trust Fund Babies

We can NOT exclude our creme de la creme

Moneyball
Jul 11, 2005

It's a problem you think we need to explain ourselves.

Hoodwinker posted:



John Smith you are not allowed to quote or respond to this post, thanks

i don't automatically hate everything you post JS, just the pointless derails it causes

therobit
Aug 19, 2008

I've been tryin' to speak with you for a long time

GoGoGadgetChris posted:

I was once an ignorant, idiot fool too, hoodwinker, but then I realized that screening out non 401k contributors would also screen out the Old Money and the Trust Fund Babies

We can NOT exclude our creme de la creme

They don't need dating apps, they have arranged marriages.

Hoodwinker
Nov 7, 2005

GoGoGadgetChris posted:

I was once an ignorant, idiot fool too, hoodwinker, but then I realized that screening out non 401k contributors would also screen out the Old Money and the Trust Fund Babies

We can NOT exclude our creme de la creme
Oh that's good.

KYOON GRIFFEY JR
Apr 12, 2010



Runner-up, TRP Sack Race 2021/22

therobit posted:

They don't need dating apps, they have arranged marriages.

ahem they're strategic marriages furthermore

Vox Nihili
May 28, 2008

EAT FASTER!!!!!! posted:

OH I've got one. My wife is also a physician and one of her female coworkers (herself a physician) lets her husband do all their finances.

He makes substantially less than she does and works far fewer hours than she does but still refuses to help in any meaningful capacity with the children so they have big line items for childcare and whatever else.

She "checks in" on the money every once in a while because she's earning most of it and it turns out without saying anything he's purchased a loving hot air balloon.

Full jointly managed finances or sever, IMO.

The people demand details.

BEHOLD: MY CAPE
Jan 11, 2004

Vox Nihili posted:

The people demand details.

They are pretty simple, imagine a giant bag 50 to 100 feet tall and similar in diameter made out of nylon. You hold the opening of the bag over a giant propane torch which heats a huge volume of air, which rises and fills the balloon. Hot air is less dense than the surrounding atmosphere and is therefore buoyant to the tune of several hundred pounds at ground level. The balloon and the burner are attached to a basket, which people can ride in. The balloon will rise to an altitude where the density of the surrounding air is almost equal to the density of the air in the balloon such that the buoancy is equal to the weight of the balloon and basket. The air inside the balloon cools over time and reduces the buoyancy, although you can drop lower faster by pulling a valve on the top of the balloon to let some of the hot air out. You can rise again by running the burner more.

crazypeltast52
May 5, 2010



That valve is important as if the balloon starts on fire, it will start going up before coming back down as a not-balloon. The burning of the balloon will heat the air within the bag, resulting in greater bouyancy until the balloon no longer functions as a balloon and comes back down.

EAT FASTER!!!!!!
Sep 21, 2002

Legendary.


:hampants::hampants::hampants:

crazypeltast52 posted:

That valve is important as if the balloon starts on fire, it will start going up before coming back down as a not-balloon. The burning of the balloon will heat the air within the bag, resulting in greater bouyancy until the balloon no longer functions as a balloon and comes back down.

Your description of this has now convinced me that I never, ever want to ride in a hot air balloon.

Jesus.

GoGoGadgetChris
Mar 18, 2010

i powder a
granite monument
in a soundless flash

showering the grass
with molten drops of
its gold inlay

sending smoking
chips of stone
skipping into the fog

crazypeltast52 posted:

That valve is important as if the balloon starts on fire, it will start going up before coming back down as a not-balloon. The burning of the balloon will heat the air within the bag, resulting in greater bouyancy until the balloon no longer functions as a balloon and comes back down.

I've got the Stock Thread open in another tab and genuinely thought this was all an analogy

CellBlock
Oct 6, 2005

It just don't stop.



Late to the party, but Credit Score Dating actually exists.

crazypeltast52
May 5, 2010



EAT FASTER!!!!!! posted:

Your description of this has now convinced me that I never, ever want to ride in a hot air balloon.

Jesus.

https://en.m.wikipedia.org/wiki/2013_Luxor_hot_air_balloon_crash
https://www.theguardian.com/world/2013/feb/26/luxor-hot-air-balloon-crash-kills-tourists

The survivors were the ones who jumped as soon the fire started, hence I am also a fan of staying on the ground.

Midjack
Dec 24, 2007



GoGoGadgetChris posted:

The dating app can't use credit score. I know plenty of poors making $99,000- a year but their multiple credit cards and auto loans give them a nice 750+ score

My wealthy peers in the $101,000+ caste typically have a solid 750+ too due to low utilization and their primary/vacation home mortgages

Would it be appropriate to match them? No, lol, I don't even think they can produce fertile offspring

The app must display net income per month, after expenses and Healthcare but BEFORE retirement contributions

Move to China after 2020, their Social Credit System will meet all your requirements.

crazypeltast52 posted:

https://en.m.wikipedia.org/wiki/2013_Luxor_hot_air_balloon_crash
https://www.theguardian.com/world/2013/feb/26/luxor-hot-air-balloon-crash-kills-tourists

The survivors were the ones who jumped as soon the fire started, hence I am also a fan of staying on the ground.

Something something balloon payment.

potatoducks
Jan 26, 2006
Hey guys. FYI the limit at which money no longer buys you happiness has been increased from 75k to 105k.

https://qz.com/1211957/how-much-money-do-people-need-to-be-happy/

So obviously the definition of RICH in this thread has to be increased to 105k. My apologies to those who previously thought that they were RICH but now know that they are in fact POOR.

Hoodwinker
Nov 7, 2005

The real amount of money it takes to be happy is $420,000.69

rufius
Feb 27, 2011

Clear alcohols are for rich women on diets.

CellBlock posted:

Late to the party, but Credit Score Dating actually exists.

C'mon now - you can go dropping this poo poo without also linking. :frogout:

Panfilo
Aug 27, 2011
Probation
Can't post for 7 days!

Midjack posted:



Something something balloon payment.
"Balloon Crypto is on fire, it can only go up!"

BonerGhost
Mar 9, 2007

Hoodwinker posted:

The real amount of money it takes to be happy is $420,000.69

Heh. Nice.

Vox Nihili
May 28, 2008

potatoducks posted:

Hey guys. FYI the limit at which money no longer buys you happiness has been increased from 75k to 105k.

https://qz.com/1211957/how-much-money-do-people-need-to-be-happy/

So obviously the definition of RICH in this thread has to be increased to 105k. My apologies to those who previously thought that they were RICH but now know that they are in fact POOR.

Looks like the much-derided six figgy crew was right all along. It appears that certain posters are now owed an apology.

CellBlock
Oct 6, 2005

It just don't stop.



Dick Nipples posted:

C'mon now - you can go dropping this poo poo without also linking. :frogout:

It's just https://www.creditscoredating.com/. I don't know, maybe it's fake, but a few blogs posted about it and stuff. (And is it really any weirder than poo poo like Farmers Only or Trump Singles?)

Motronic
Nov 6, 2009

I desperately, genuinely, need help. Please help...
https://www.reddit.com/r/personalfinance/comments/811toi/i_desperately_genuinely_need_help_please_help/

quote:

I’m 26, newly single out of a 7 year relationship, and I’m blowing through money left and right.

I bring home between $1,700-$2,000 every two weeks. My bills (everything I can think of including groceries and gas) comes out to roughly $1,800 a month. I pay all of my bills on time.

I get paid every other Friday. By Monday I have almost no money left from the previous paycheck. And I don’t know where it goes, and that’s the worst part. (that’s a partial lie, I might have a slight gambling problem.) I have roughly $2,500 in CC debt. I’ve had to pawn things (always pay back the loan and get my whatever out of pawn.) Take out $100 payday loans just to get through the second week.

Someone please help. I’m not even sure what exactly I’m asking. How to budget? How to break the cycle of “feeling like you HAVE to be broke.) I’m living paycheck to paycheck and I don’t feel like there’s any reason I should be.

I just feel lost. Any advice is more than welcome. Please help.

Phanatic
Mar 13, 2007

Please don't forget that I am an extremely racist idiot who also has terrible opinions about the Culture series.

"I’ll spend $300-$500 a month on gambling and roughly $200 on scratch offs."

EugeneJ
Feb 5, 2012

by FactsAreUseless
I have a friend who drains all their money on scratch-offs

Even when presented with a budget and explaining "look fucker - if you stopped playing the lottery for a year you could buy a new car" they still do it

What exactly is the rehab for gambling addiction? Does it work?

Phanatic
Mar 13, 2007

Please don't forget that I am an extremely racist idiot who also has terrible opinions about the Culture series.
It probably works about as well as AA and other kinds of rehab: pretty much about the same as the rate of spontaneous remission.

AreWeDrunkYet
Jul 8, 2006

https://www.theguardian.com/us-news/2018/feb/27/ben-carson-spokesman-falsely-denied-expensive-table-bought

BW (other peoples') M

quote:

The US Department of Housing and Urban Development (Hud) has agreed to spend $165,000 on “lounge furniture” for its Washington headquarters, in addition to a $31,000 dining set purchased for housing secretary Ben Carson’s office.
...
Helen Foster said she was told “$5,000 will not even buy a decent chair” after informing her bosses that this was the legal price limit for improvements to Carson’s suite of offices.
...
“When it comes to the secretary’s office, the only money HUD spent was $3,200 to put up new blinds in his office and the deputy secretary’s office,” Williams said.

Elysium
Aug 21, 2003
It is by will alone I set my mind in motion.

Phanatic posted:

"I’ll spend $300-$500 a month on gambling and roughly $200 on scratch offs."

The crazy thing is that in his mind, the scratch offs are separate from "gambling."

sparkmaster
Apr 1, 2010
Blinds are extremely BWM.

werdnam
Feb 16, 2011
The scientist does not study nature because it is useful to do so. He studies it because he takes pleasure in it, and he takes pleasure in it because it is beautiful. If nature were not beautiful it would not be worth knowing, and life would not be worth living. -- Henri Poincare

sparkmaster posted:

Blinds are extremely BWM.

Please explain. I don't get why, or I don't get the joke.

Krispy Wafer
Jul 26, 2002

I shouted out "Free the exposed 67"
But they stood on my hair and told me I was fat

Grimey Drawer
That guy is totally planning on opening a hot air balloon ride business so he can make more than his wife as a new-money/balloon-baron. It’s only after his first accident that his wife finds out they’re personally liable for all damages.

Volmarias posted:

Call it Creditor

Creditr

Volmarias
Dec 31, 2002

EMAIL... THE INTERNET... SEARCH ENGINES...

Krispy Wafer posted:

That guy is totally planning on opening a hot air balloon ride business so he can make more than his wife as a new-money/balloon-baron. Its only after his first accident that his wife finds out theyre personally liable for all damages.


Creditr

The no-vowel-at-the-end name is so 2015.

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Higgy
Jul 6, 2005



Grimey Drawer
Creddit.

Downvote the poors and get karma points for good financial choices. Match in similar scores

Where’s my venture capital funding pleeeeeasse

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