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The Macaroni posted:That's...astounding. I’ve known people with higher payments, but that’s mainly because they were going to buy the car in cash, but got offered a 0% loan.
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May 31, 2018 16:57
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Subjunctive posted:You can meet accreditation with a high salary too, in the US and Canada. But being a GP isn’t an arms length investment in the fund, so it doesn’t really matter. ime i've never actually seen an actual-partner in a fund who wasn't also an accredited investor. but i haven't had real indepth convos with that many vc's in rando funds
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May 31, 2018 17:16
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bob dobbs is dead posted:ime i've never actually seen an actual-partner in a fund who wasn't also an accredited investor. but i haven't had real indepth convos with that many vc's in rando funds Yeah, the salaries alone are generally enough to qualify, I’m sure. (An easier documentation process too, at least in Canada.) E: the net worth threshold is $1M for an individual in the US, fwiw Subjunctive fucked around with this message at 18:07 on May 31, 2018 |
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May 31, 2018 18:00
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Ethiser posted:I’ve known people with higher payments, but that’s mainly because they were going to buy the car in cash, but got offered a 0% loan. Yep. This is a very GWM strategy, IF: You truly have the money to do a full cash purchase and aren't fooling yourself and counting dumb poo poo like a 401k withdrawal (people do this!) etc. You plan invest said cash in other types of investments. Even if it's just letting it sit in an Ally savings account at 1.6% while you slowly draw it down making the payments. Though you won't beat inflation with longer terms this way. You take the lowest term possible, usually 36 months - if that payment seems too high then see point #1 because you don't really have the money and are fooling yourself You can do third-grade math and calculate what the interest cost is on a non-0% with rebates vs. 0% without (there are usually extra rebates if you finance with, for example, Ford Motor Credit, or whoever, but the lowest you'll get there is in the 4-5% range with excellent credit). It rarely works out better but always smart to check. With all this in place, a 36 month 0% vs. tying up that cash upfront can make a lot of sense. That isn't what the majority of people with high car payments are doing of course. Just like a lot of people use high-reward cards for travel etc. and then carry a balance at 18% or whatever. Never fails to amaze me.
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May 31, 2018 18:53
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my understanding of it is that if you're not within 2 hours' drive from stanford in decent traffic, you count as a rando vc fund
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May 31, 2018 18:58
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Subjunctive posted:E: the net worth threshold is $1M for an individual in the US, fwiw Excluding primary residence.
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May 31, 2018 19:07
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Wait what would that qualification do for me?
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May 31, 2018 19:12
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bob dobbs is dead posted:my understanding of it is that if you're not within 2 hours' drive from stanford in decent traffic, you count as a rando vc fund USV will be sad to hear that.
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May 31, 2018 19:14
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Don't forget First Round and ARCH.
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May 31, 2018 19:17
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Subjunctive posted:USV will be sad to hear that. they pay for quite a few cross-country flights every year, yes
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May 31, 2018 19:18
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ryde posted:Excluding primary residence. Or $200k a year for the last 2 years. $300 for a couple. EAT FASTER!!!!!! posted:Wait what would that qualification do for me? Allow you to invest in higher risk areas like angel, VC and hedge.
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May 31, 2018 19:18
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EAT FASTER!!!!!! posted:Don't forget First Round and ARCH. first round is within 2 hours in decent traffic, if not in bad traffic arch are randoes, yes
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May 31, 2018 19:18
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bob dobbs is dead posted:first round is within 2 hours in decent traffic, if not in bad traffic poo poo why did I think they were based in Radnor, PA?
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May 31, 2018 19:20
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(tbh, biotech vc is nearly all within like 2 hour's drive of harvard with decent traffic, sure)
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May 31, 2018 19:22
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bob dobbs is dead posted:(tbh, biotech vc is nearly all within like 2 hour's drive of harvard with decent traffic, sure) This is why Theranos should have been suspicious out of the gate.
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May 31, 2018 19:32
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Subjunctive posted:This is why Theranos should have been suspicious out of the gate. My man you have GOT to read "Bad Blood" by John Carreyrou. It's a loving riot. I can't believe the poo poo Sunny tries to get away with.
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May 31, 2018 19:33
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Subjunctive posted:This is why Theranos should have been suspicious out of the gate. wasn't there that guy who wrote a new york times op-ed saying that theranos was rejected by every single biotech specialty vc they applied to, don't blame us for the clusterfuck e: here https://www.nytimes.com/2016/04/27/opinion/dont-blame-silicon-valley-for-theranos.html ' a little bit short of calling draper a drat fool but you know
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May 31, 2018 19:36
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Ixian posted:Yep. This is a very GWM strategy, IF: I mean, I get that you come out somewhat ahead, but if you’re financing $15k for three years in order to get 1.6% you’re making maybe $750 in exchange for owing money on a car. gently caress that. That’s not even $1 a day.
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May 31, 2018 20:04
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22 Eargesplitten posted:I mean, I get that you come out somewhat ahead, but if you’re financing $15k for three years in order to get 1.6% you’re making maybe $750 in exchange for owing money on a car. gently caress that. That’s not even $1 a day. What's the problem with owing if you're not paying interest? Why would I want to part ways with 15k at one time if I don't have to?
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May 31, 2018 20:28
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Haggle for a better price in cash vs the zero interest loan. They don’t offer 0% out of the goodness of their hearts, it’s rolled into the price of the car. In theory anyway.
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May 31, 2018 20:34
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StormDrain posted:Haggle for a better price in cash vs the zero interest loan. They don’t offer 0% out of the goodness of their hearts, it’s rolled into the price of the car. That subsidized rate frequently comes from the manufacturer, not the dealer. Dealer doesn't give a poo poo unless it's their money.
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May 31, 2018 20:34
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22 Eargesplitten posted:I mean, I get that you come out somewhat ahead, but if you’re financing $15k for three years in order to get 1.6% you’re making maybe $750 in exchange for owing money on a car. gently caress that. That’s not even $1 a day. There's also some advantage in having a pool of liquid cash. If poo poo hits the fan a year later, you're not going to be able to get a 0% loan. Really I'd say that's the bigger advantage, the 1.~% you're earning in interest on the money isn't that much and will probably be more than eaten up by insurance costs since most banks force you to have a $500 deductible and of course none will let you forgo collision coverage.
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May 31, 2018 20:58
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Krispy Wafer posted:To be honest even if I wanted to wreck havoc and have them shut down crucial systems, the stores would operate just as they would without power and they'd put two and two together pretty quickly. It's not like I have physical access to devices. "Hey this is corporate, I believe a courier dropped off a USB Stick today? Great, we need you to plug it into the cash register. Thanks!" - Forget being out of power, that's how things like Target and Home Depot levels of malware proliferate. Social engineering is a great tool which can be used for good or evil.
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May 31, 2018 23:02
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Hoodwinker posted:This "actual Hatha Yoga Guru" paid $2,000+ to go through a course that made her as such. I am almost certain of it. That is how these things operate. Yep, as soon as I take any class at a yoga studio, they start sending advertisements for their crazy expensive teacher training courses. They don't seem to filter by skill level at all. Also what kind of 15$ class doesn't have an attendance cap? The most I've ever seen for a regular studio class is 20$ so I don't even understand how someone can charge 135$
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Jun 1, 2018 03:07
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Subjunctive posted:Yeah, the salaries alone are generally enough to qualify, I’m sure. (An easier documentation process too, at least in Canada.) congratulations
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Jun 1, 2018 03:32
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Leon Trotsky 2012 posted:I just found out that someone I know pays $135 for a 1-hour yoga session (almost) every week.
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Jun 1, 2018 03:59
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gvibes posted:Something seems a little lost in translation here. There is no way any 20-person yoga class gets away with charging each attendee $135/session. Yeah, I actually realized I was wrong. She spends $135 a month for the "Hatha Guru Session" once a week. You can only get into this class if you have a monthly or annual membership. That makes it about $34 per session if you go to every session. Still crazy to pay $34/hr (or more if you don't go to every class) for yoga.
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Jun 1, 2018 04:10
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Leon Trotsky 2012 posted:Yeah, I actually realized I was wrong. She spends $135 a month for the "Hatha Guru Session" once a week. You can only get into this class if you have a monthly or annual membership.
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Jun 1, 2018 04:12
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Hoodwinker posted:That's about the price of a personal trainer. But not the going rate for a group yoga class. I thought my friend was getting overcharged for her studio that charges 60$ a month for 4 classes.
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Jun 1, 2018 04:25
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flynt posted:But not the going rate for a group yoga class. I thought my friend was getting overcharged for her studio that charges 60$ a month for 4 classes. Ask your friend what is special about Hatha Yoga compared to "normal yoga" and why you need a guru. I want to ask my friend, but don't want to pry too much. Google shows me some Yoga poses that don't look like anything you need special training to do.
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Jun 1, 2018 04:41
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Also, my same friend with all the guns just finished a renovation of his kitchen and a powder room in his house. It cost somewhere in the mid 20k range, took 8 months, and he did all the work himself. He did it because he put 3% down and pays PMI. He says that his free labor + the 25k or so will get him over the PMI threshold if he gets it reappraised. I have no idea why he didn't just out 25k down on the mortgage 8 months ago. A big chunk of that cost went to new appliances. Do things that are theoretically movable, like his new fridge and garbage compactor even count towards a home appraisal? I know that he probably isn't going to get a dollar for dollar value out of this remodel/reappraisal and I'm pretty sure he went about this plan to get rid of PMI in a dumb way, but I don't know exactly how dumb. Leon Trotsky 2012 fucked around with this message at 04:53 on Jun 1, 2018 |
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Jun 1, 2018 04:49
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Just found out my [30F] best friend [30F] of 10 years stole $20,000 from me. https://reddit.com/r/relationships/comments/8nnc0k/just_found_out_my_30f_best_friend_30f_of_10_years/ quote:A couple of weeks ago, I discovered several unauthorised Uber Eats orders on one of my credit cards. I cancelled the card immediately and informed my bank.
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Jun 1, 2018 04:54
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Leon Trotsky 2012 posted:Also, my same friend with all the guns just finished a renovation of his kitchen and a powder room in his house. It cost somewhere in the mid 20k range, took 8 months, and he did all the work himself. Fridge no, garbage compactor maybe of it is built in but not much. If he added a bathroom that might have been money good and of three rooms were not habitable before but now are that would make a difference. It makes some difference to update stuff but not a whole hell of a lot.
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Jun 1, 2018 04:54
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Uterine Lineup posted:Just found out my [30F] best friend [30F] of 10 years stole $20,000 from me. Ah ha ha... she will get like only the last two statements worth refunded.
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Jun 1, 2018 04:55
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How is it even possible to go one year and 20k without noticing that?
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Jun 1, 2018 05:01
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Leon Trotsky 2012 posted:Ask your friend what is special about Hatha Yoga compared to "normal yoga" and why you need a guru. I want to ask my friend, but don't want to pry too much. Yoga in the generic sense is basically a Hindu philosophy/religious practice of self-improvement leading to enlightenment. Hatha yoga is the part that deals with physical strength, flexibility, and crazy poses. It's basically what most people outside Hindu religious traditions think of as "normal yoga." In theory a "hatha yoga guru" might have done a lot of training and study of the religious and philosophical parts of yoga, as well as the physical exercise parts. In practice, well, it's probably someone who's decent at the physical poses, has a head full of orientalism and "secret truths of the mystical east" bullshit, and paid a few grand for classes making her a Certified Gurutm.
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Jun 1, 2018 05:02
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Yeah, I got to this partReddit person posted:While waiting for my credit card company to give me an update, I messaged Uber directly with the full list of fraudulent charges (a total of 688 over 12 months) and they lost me
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Jun 1, 2018 05:06
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Leon Trotsky 2012 posted:How is it even possible to go one year and 20k without noticing that? 1)  2)OP is telling lies on the internet. OP's post history reveals she has a custom-designed wedding dress & uses a foundation that costs over 100 dollars for a tiny bottle, so 1 is actually a possibility.
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Jun 1, 2018 05:09
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The guillotinee's eyes turn into crosses too early
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Jun 1, 2018 05:12
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Pure BWM a Government based meth contamination scam.quote:It's been called the biggest scam ever played on New Zealand. For years, tens of millions of dollars were spent on testing and cleaning houses for methamphetamine residue that wasn't dangerous at all. Throughout, Housing New Zealand led the charge, kicking tenants out of homes and pursuing them for thousands in the Tenancy Tribunal. Henry Cooke looks back at the series of failures at every level that got us into this mess. Old people were kicked out of state housing and weren't allowed to take their possessions because of meth contamination. Of course the threshold was set so low it was absurd. Many private landlords ended up paying for remediation, ended up demolishing houses or selling the house at an extreme discount. Housing New Zealand spent $100m remediating state houses that didn't need any clean up. They used a threshold intended to be used for meth lab clean up. https://www.stuff.co.nz/national/politics/104318112/meth-house-myth-why-hundreds-of-safe-homes-were-left-empty-in-middle-of-a-housing-crisis In the mean time the new threshold has meant 1500 state houses have been sitting empty for no reason when we're in the middle of a housing crisis with 1% of the population homeless. Of course the Minister responsible at the time is making excuses for being an idiot, and wasting huge amounts of public money. quote:Some have also suggested a political climate contributed to a feeling of hysteria around meth, something former Social Housing Minister Paula Bennett rejected on Tuesday - instead saying she had actually pushed back against HNZ at several points. They didn't make any of these statements at the time so it's all lies.
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Jun 1, 2018 05:16
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