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Roasting a 9 year old is pretty much always a bad look. They have half a brain, if that.
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May 10, 2018 19:46
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If roasting someone with half a brain isn’t okay, explain the Zaurg thread.
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May 10, 2018 20:08
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They have the other half.
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May 10, 2018 20:09
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At that age they can't tell right from wrong. Or at least, not in the way an adult can. If an adult is enabling her, in her mind her behaviour is just fine. Also Australia had a Royal Commission into the banks. I'd say they're bad with money but they made out like bandits - charging dead people for financial advice, someone's assistant impersonated a client on the phone to find out how much they had in retirement savings, advising people to borrow too much money... It's atrocious.
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May 11, 2018 01:39
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One soft slap in the wrist, coming up!
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May 11, 2018 05:34
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yeah don't go after a kid who is the product of lovely parenting go after the lovely mother who was abusing her job to fill her daughter with terrible values and unsustainable behaviors
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May 11, 2018 16:05
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My boss' birthday was yesterday and we took her out for an office lunch. She was stressed out because her custody agreement with her daughter's dad doesn't specify costs for sports/activities. He has been contributing about $2,000 a year for their (I think she is now 5-years old) daughter's tumbling costs; but, apparently, the total tumbling costs my boss paid were over $18,000 last year. They split everything else 50/50 in the agreement and she is considering redoing the custody agreement because he won't contribute half since it isn't in writing. Leon Trotsky 2012 fucked around with this message at 16:15 on May 11, 2018 |
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May 11, 2018 16:12
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Median household income for the city I live in: $26,475 That 5 year old jumping on a trampoline for a year: $20,000
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May 11, 2018 16:16
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Twenty grand a year for goddamn somersaults? Like you couldn't find some people to roll little kids down a hill for cheaper?
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May 11, 2018 16:16
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metallicaeg posted:Median household income for the city I live in: $26,475 I have been told - many times - that tumbling is not gymnastics, does not involve trampolines, and is not cheerleading. Get it right, you philistine. Panfilo posted:Twenty grand a year for goddamn somersaults? Like you couldn't find some people to roll little kids down a hill for cheaper? She's gone over the details a bunch before. The gist is that it is a "competitive" tumbling team and the total fees include travel costs (once a month at different places around the country), uniforms, hiring a private coach, food, and other things too.
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May 11, 2018 16:18
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Having a nasty divorce is BWM when you end up with a vindictive ex spouse that tries to get you on the hook for all this poo poo and refusing ends up making you look like a selfish rear end in a top hat to your kids.
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May 11, 2018 16:22
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Leon Trotsky 2012 posted:"competitive" tumbling team I'm fundamentally unable to stop picturing a bunch of children rolling uncontrollably down a hill
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May 11, 2018 16:28
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ChickenWing posted:I'm fundamentally unable to stop picturing a bunch of children rolling uncontrollably down a hill First down the hill wins! WEEEEE!!! In general, paying for your kids sports is BWM because most of them are either going to eventually get so sick of playing that sport they'll hate it, or they just don't end up being good enough to make any money at it. Pushing that kid all the way into the pros though is supremely GWM for like 5 sports.
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May 11, 2018 16:30
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$20k/yr for a bunch of cool trips and experiences that this kid is barely going to even remember. Is the mom at least going on with her?? I did gymnastics for a short time as a 6 year old and damned if I can remember any bit of it besides how fun it was to jump into the foam pit.
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May 11, 2018 16:34
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ChickenWing posted:I'm fundamentally unable to stop picturing a bunch of children rolling uncontrollably down a hill There are plenty of grumpy sleep deprived parents sadistic enough to coach that for free.
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May 11, 2018 16:36
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Five year olds are notoriously competitive, twenty grand well spent.
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May 11, 2018 16:37
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Having your kid do a sport is fine. It's when you go down the rabbit hole of paying for them to do stuff competitively & with traveling teams that you start to have a bad time:https://www.thesimpledollar.com/how-to-deal-with-the-high-cost-of-childrens-sports/ posted:According to data from the National Council on Youth Sports, one of the best ways to participate in kid’s sports without breaking the bank is to choose sporting events carefully and wisely. That advice includes sticking with local, recreational sports whenever possible and staying away from some of the more expensive, organized sports. Leon Trotsky 2012 posted:I have been told - many times - that tumbling is not gymnastics, does not involve trampolines, and is not cheerleading. Youtube is lying to me?  (I'm still not really sure what tumbling is other than flipping & rolling forward/backward a lot.)
Haifisch fucked around with this message at 16:40 on May 11, 2018 |
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May 11, 2018 16:37
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Sirotan posted:$20k/yr for a bunch of cool trips and experiences that this kid is barely going to even remember. Is the mom at least going on with her?? I did gymnastics for a short time as a 6 year old and damned if I can remember any bit of it besides how fun it was to jump into the foam pit. Yes, she does. I just checked and I actually posted about this over a year ago when I first heard about it. Here's my older posts for context: Leon Trotsky 2012 posted:My boss (makes approximately 104k per year) is currently complaining to her personal assistant (makes about 32k per year) that she is having a fight with her ex-husband (who she lives with to "stay together for the kid") about money. Leon Trotsky 2012 posted:She's now complaining that she is very upset that the tumbling team, choreographer, and personal tumbling instructor all require cash or check and won't take a credit card.
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May 11, 2018 16:37
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Most goons in this thread would in fact agree that you can't afford jobs on $100k a year. To goons, kids are a bigger money sink than horses- "They need to be exercised regularly or else they'll get ornery and chew off all the upholstery in your house. You need to constantly be watching them because children are more suicidal than even horses and will find every bottle cap sized object to cram into their trachea. Babysitters charge an arm and a leg and pediatricians are always trying to up sell you on things like 'vaccinations' and orthopedics to correct scoliosis. They get more ear infections than purebred purse dogs, are vectors for colon blasting viral infections, and constantly have to be purged of lice and pinworms. What's worse is they live a really goddamn long time - chances are you're gonna be in your eighties and they'll still be clawing at your front door begging for pop tarts and college tuition. Once they get big they can get pregnant really easy too,and good luck finding a home for those babies at that point!
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May 11, 2018 16:51
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Yikes. My kid goes to a pretty competitive karate studio. Our costs: $1625 annually for tuition, $150 for protective gear and uniform, $120 entrance fees for two regional tournaments. And a couple gallons of gas to drive to the tournaments. If my kid continues doing well, she may be invited to a tournament in the UK in a couple of years that will set us back maybe a couple thousand for airfare and accommodations. In other words, $20K would more than cover the rest of my kid's involvement with karate into adulthood over a decade from now, if she chooses to continue it that long.
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May 11, 2018 16:51
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The Macaroni posted:Yikes. My kid goes to a pretty competitive karate studio. Our costs: $1625 annually for tuition, $150 for protective gear and uniform, $120 entrance fees for two regional tournaments. And a couple gallons of gas to drive to the tournaments. If my kid continues doing well, she may be invited to a tournament in the UK in a couple of years that will set us back maybe a couple thousand for airfare and accommodations. The best martial arts schools are the ones where the instructor's kid is competitive, and the entire school exists to finance the kid's trips to junior nationals and beyond.
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May 11, 2018 16:56
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Crazy Mike posted:The best martial arts schools are the ones where the instructor's kid is competitive, and the entire school exists to finance the kid's trips to junior nationals and beyond. Just up the road are a couple of places like what you describe: double the tuition or more for what amounts to 45 minutes of babysitting, "tournaments" with giant but flimsy participation trophies, and belt promotions every 8 weeks. (Each belt promotion comes with a $75 "testing fee.") Many of those other places don't even compete in our studio's federation because we'd chew them up and spit them out. My kid won a medal in her first legit competition and it literally weighs more than the participation trophy she got from her last studio.
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May 11, 2018 17:09
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Crazy Mike posted:The best martial arts schools are the ones where the instructor's kid is competitive, and the entire school exists to finance the kid's trips to junior nationals and beyond. :-( That's the story with my gym, Mjölnir, here in Iceland. Gunnar Nelson is one of the few professional MMA fighters in Iceland, and our astronomical fees are objectively to subsidize his career and fund flights for the in-crowd to go to the international competitions. It's about 2.5x the cost of the largest gym franchise, but Mjölnir's lunchtime fitness classes are so good and have helped my fitness pursuits so much, that I pay it anyway, but I'm deffo bitter about it.
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May 11, 2018 17:23
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poopinmymouth posted::-( i take a lot of america-europe trips on the cheap nowadays because of various reasons and every time i land in iceland this baffles me you have 330 000 peeps in your entire goddamn country the city district i grew up in (songpagu, seoul, korea) has 650 000 people. not the city, the city district the apartment block where i was born was part of an apartment complex with 15 000 peeps in it. it had exactly two martial arts thingies how do you even... have things and do things (also i saw an avocado sandwich for 1500 isk. fresh food in icy rock in the middle of the atlantic: bwm) bob dobbs is dead fucked around with this message at 17:31 on May 11, 2018 |
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May 11, 2018 17:28
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bob dobbs is dead posted:i take a lot of america-europe trips on the cheap nowadays because of various reasons and every time i land in iceland this baffles me Didn't someone do some math and calculated that around 5% of Iceland's eligible male population is on their World Cup team this year? I want to take a full-on trip there, the only time I've been in Iceland was when I was on the tarmac changing planes in Keflavík this winter. I flew Icelandair and it was a real good trip and the ticketing folks saved my rear end when there was a storm in Boston that would've caused me to miss my connecting flight. edit: actually the Iceland Tourism Board or equivalent deserve kudos for how they've made a tiny, cold volcanic island into a tourism hotbed (  ). Almost everyone I know has either taken a trip there or is planning to take a trip there. GWM to turn what should be a pretty ho-hum area into a big tourist magnet and get all that foreign  D2: The Mighty Ducks probably deserves some credit too. When I was a kid Iceland was one of the few European countries I knew thanks to that movie. And I knew that Iceland was nice and Greenland was the one that's all frozen and covered in ice. axeil fucked around with this message at 17:44 on May 11, 2018 |
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May 11, 2018 17:35
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bob dobbs is dead posted:i take a lot of america-europe trips on the cheap nowadays because of various reasons and every time i land in iceland this baffles me Simple. If Reykjavik didn't have it, Icelanders can't experience it. Any other tiny city/town has a nearby capital or bigger city to latch onto making the business model of opening in that tinier town unaffordable. But here, if there isn't a specialty sewing machine repair shop, and your machine breaks, tough titties, you have to wait weeks/months and pay 27% VAT to order from abroad. It also helps that our general wages, quality of life, and unemployment numbers are all quite good, so most Icelanders have pretty reasonable disposable income, but we're trending downward so who knows what changes that will bring.
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May 11, 2018 17:40
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Sirotan posted:$20k/yr for a bunch of cool trips and experiences that this kid is barely going to even remember. Is the mom at least going on with her?? I did gymnastics for a short time as a 6 year old and damned if I can remember any bit of it besides how fun it was to jump into the foam pit. But generally I hope my kids are bad at sports so there is no temptation to deal with the travel scene (cost plus inconvenience).
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May 11, 2018 17:48
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ChickenWing posted:I'm fundamentally unable to stop picturing a bunch of children rolling uncontrollably down a hill https://www.youtube.com/watch?v=xr5GlvRFNmw https://www.youtube.com/watch?v=79BYChyBcZQ Tumbling is pretty cool, but I don't see why you'd spend 20k for pre-school tumbling unless the kid wants to devote their entire life to the sport. This sounds more like something you'd hear in horror stories about Chinese olympic talent scouting schools. https://www.youtube.com/watch?v=u2k-tsTzXDY golden bubble fucked around with this message at 18:02 on May 11, 2018 |
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May 11, 2018 17:59
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Leon Trotsky 2012 posted:My boss' birthday was yesterday and we took her out for an office lunch. I would argue dad is contributing 100% of a 5 year old's annual luxury sports commitment.
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May 11, 2018 18:08
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H110Hawk posted:I would argue dad is contributing 100% of a 5 year old's annual luxury sports commitment.
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May 11, 2018 18:12
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If he's willing to pay $2,000 a year for this then maybe she should find an activity that only costs $4,000 a year?
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May 11, 2018 18:18
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H110Hawk posted:I would argue dad is contributing 100% of a 5 year old's annual luxury sports commitment. I would put it closer to 2000%
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May 11, 2018 18:23
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Leon Trotsky 2012 posted:They split everything else 50/50 in the agreement and she is considering redoing the custody agreement because he won't contribute half since it isn't in writing. Looking forward to your follow up post where it turns out she managed to renegotiate the custody agreement so that she gets more tumbling money but far less money overall. Also thats a weird thing to exclude, did tumbling thing start before the divorce? Panfilo posted:If he's willing to pay $2,000 a year for this then maybe she should find an activity that only costs $4,000 a year? But then all her friends who pay 20k a year for children to jump around competitively will think she is
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May 11, 2018 18:29
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CellarDweller posted:But then all her friends who pay 20k a year for children to jump around competitively will think she is Wasn't this also the lady who only buys high end children's clothes or something because Carter's would "make her kid look like a street rat" or was that someone else? I'll never forget that story because I love Carter's. Comfy clothes for my kids. They're not even that cheap.
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May 11, 2018 18:52
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CellarDweller posted:Looking forward to your follow up post where it turns out she managed to renegotiate the custody agreement so that she gets more tumbling money but far less money overall. I don't know exactly when they got divorced, but it was very shortly after or before the kid was born. The crazy thing is, as far as I know, she doesn't have anyone else in her social circle whose kid does tumbling. The other tumbling moms are all people she met after starting. ExtrudeAlongCurve posted:Wasn't this also the lady who only buys high end children's clothes or something because Carter's would "make her kid look like a street rat" or was that someone else? That's our HR lady. And she has never expressed an opinion about Carter's, but she was very upset that her mother-in-law bought her son clothes for Christmas (which she has apparently told her not to do multiple times) from Kohl's. Kohl's (I don't even know if Kohl's has its own line of clothes or what) apparently is notorious for clothing hood rats.
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May 11, 2018 19:13
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Leon Trotsky 2012 posted:I don't know exactly when they got divorced, but it was very shortly after or before the kid was born. Ahhh right. Kohl's sells the Carter's brand, that's probably where I got the association. Still lol at Kohl's being "hood rat clothes."
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May 11, 2018 19:19
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https://www.reddit.com/r/personalfinance/comments/8imyrc/separating_finances_with_spouse/ posted:I'm considering pitching the idea to my wife that we should split our finances up. Where is her discretionary spending going? "My wife also has a LipSense business"
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May 11, 2018 19:52
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ExtrudeAlongCurve posted:Ahhh right. Kohl's sells the Carter's brand, that's probably where I got the association.  Maybe it's because I don't have kids, but I don't think I could even tell apart different brands of kid's clothes. Because they're kid's clothes. They're going to get dirty and ripped up unless you make sure your kid never has a chance to be a kid. They're never going to be particularly fancy or distinctive. e: tomapot posted:Where is her discretionary spending going? "My wife also has a LipSense business"  , also his business finances from his personal finances so he doesn't end up in situations like "I can't service my business debts because my wife's burning all our money in an MLM."
Haifisch fucked around with this message at 19:59 on May 11, 2018 |
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May 11, 2018 19:56
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Aside from the rest of it, he needs to have a separate account for his side business and only pull out the profits. Taxes and expenses should never hit his personal account, that’s an accounting nightmare. On the other hand if she thinks spending thousands on an MLM is a good idea she might think he’s trying to keep money from her.
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May 11, 2018 19:57
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Bankruptcy seems to be the only way outquote:Here is a link to a comprehensive spreadsheet showing the total family debt, including a breakout of mine vs. my wife's. https://i.imgur.com/5sxl1sW.png Linked spreadsheet shows $128k worth of debt spread over a zillion credit cards and store accounts, most of it at >20% rates, and this is SEPARATE from the $71k in car debt (he estimates the cars are underwater by $20k). I hate these people.
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May 11, 2018 20:07
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