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Volmarias posted:Ok, I declare bankruptcy with this thread. Did anyone cosign with a horse in the last 3 weeks? Just one horse? That doesn’t sound very stable.
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Jun 11, 2018 17:13
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I'm not horsing around here
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Jun 11, 2018 18:13
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Sharpen your guillotines:quote:POOR making $140k / yr Between my husband and I, we gross $140k. Of course, this is substantially lower after insurance, retirement & taxes. However our take home is still $7200/month. But I WAS making $32k more annually. Then my company cut my title and salary. I’m having a difficult time adjusting. I’m $1300 in the hole before I even buy groceries or gas. What do I do? Sell our house ($1900/mo)? We would have to get it “sale ready” and have only been here 3 years so wouldn’t make much, if any. 2nd job until $1400k/month in credit card bills are paid off? Car is almost paid off($500/mo) owe $3500 Since we’ve been juggling since January on lesser salary- we are $100 overdrawn. Owe my grandmother $2k. I’m drowning.
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Jun 11, 2018 18:19
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How do people end up with these ridiculously high cell phone bills? Mine's been $45/month for years. I wouldn't even know where to look for a more expensive plan or what I would get out of it.
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Jun 11, 2018 18:27
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Fitzy Fitz posted:How do people end up with these ridiculously high cell phone bills? Mine's been $45/month for years. I wouldn't even know where to look for a more expensive plan or what I would get out of it. Is $45/mo including a device payment? Unlimited plan + financing a $1000 phone adds up to more than $100/mo easily.
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Jun 11, 2018 18:28
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Leon Trotsky 2012 posted:Avoiding tariffs and import fees on animes and figurines is GWM.
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Jun 11, 2018 18:29
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Twerk from Home posted:Is $45/mo including a device payment? Unlimited plan + financing a $1000 phone adds up to more than $100/mo easily. Oh, no, I guess I hadn't thought of including the phone in the price. I've never bought a phone like that before. OK, the next thing that bothers me is that you could buy two lawnmowers for the price of one month of their lawncare.
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Jun 11, 2018 18:32
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How many kids do they have? $7K seems like it should buy a lot of camp.
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Jun 11, 2018 18:33
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Even with just one kid, if they're in camp all summer that seems in-line with a full time away from home camp. Low even. Not a good use of money though, considering their financial situation.
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Jun 11, 2018 18:35
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My gun-obsessed friend who has ~10k in credit card debt from buying guns and accessories at record-high prices with the plan to resell them, who just spent 27k remodeling his kitchen and bathroom as a way to get rid of PMI by reassessing his house, and spent 3k on a giant gun safe to store the ~10k in guns he bought as investments just asked me if I could house sit for him in September. He is not political or involved in politics at all, other than being in a local gun club that tells its members to attend votes at the state legislature or parades sometimes. He needs me to house sit because he has a bunch of rare fish, an eel, and some turtles as pets and will be gone for 4 days. Why? Apparently, his gun club was recommending that everyone attend a rally in Washington D.C. on September 8th to support gun rights. He - with no information about this event except that it is on the National Mall and for gun rights - booked four days at a hotel (didn't say exactly how much, but complained that it was "practically a thousand bucks."), took three days off of work, and bought a train ticket to D.C for September 6th. All of that went on his new 0% APR credit card I helped him balance transfer some of his ~10k gun debt to. I googled the rally he is going to and it doesn't seem to be an exclusively gun-related rally. It looks like a weird collection of about 15 different issues and the main theme is just "supporting Donald J. Trump in the 2020 election," but the rally is in 2018. The website and speakers section seem pretty crazy. https://motherofallrallies.com/ My friend seems to think it is an exclusively pro-gun rally and just dropped somewhere between $900 and $1,500 (plus PTO) because his gun club President said to do it - with no additional information at all.
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Jun 11, 2018 18:35
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Xenocides posted:Sharpen your guillotines: The best part is they originally posted to r/povertyfinance
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Jun 11, 2018 18:36
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A different version of that (POOR at 140k post) was posted yesterday, and boy have her bills risen a lot since then! Family of four, and her cell bill is for three phones, three iPads (most likely all on installment plans) and a hotspot.
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Jun 11, 2018 18:37
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Jordan7hm posted:Even with just one kid, if they're in camp all summer that seems in-line with a full time away from home camp. Low even. Ah yeah, I was thinking of weekly in-town camps. Sleepaway could be more.
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Jun 11, 2018 18:40
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Leon Trotsky 2012 posted:just asked me if I could house sit for him in September. I have a GWM suggestion for you! [Alaska] Petsitter rented out my house without my knowledge, police say I need to formally evict quote:Two months ago, I asked a friend (Petsitter) to petsit/housesit while I was out of state on business. We didn't have a written contract or agreement. Petsitter was and is not paying rent or utilities.
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Jun 11, 2018 18:45
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I imagine friend (Petsitter) isn't a friend any more.
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Jun 11, 2018 18:56
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Xenocides posted:Sharpen your guillotines: Looks like someone took advice from r/relationships.
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Jun 11, 2018 19:03
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CornHolio posted:I imagine friend (Petsitter) isn't a friend any more. I'm the Petsitter and we still are. He's a good guy, but he just doesn't bother to learn about anything except for his direct interests and then gets 1,000% into them. His parents own a huge regional business (the name of the business is literally "[His last name]'s") and he is having "money problems" because his parents demoted him to a position where he is making ~65k instead of the ~115k he was making before, so I am not too worried about him becoming homeless. He's been working for his parents for about 14 years and they are going to retire soon. They are pretty much trying to kick his rear end into being responsible by "cutting him off" with a smaller salary and less responsibility because they don't think he can run the business. His younger brother is going to get control of the business unless he learns how to run it independently. But, like I said before, he picks 5 or 6 hobbies and gets 1,000% into them and tries to not absorb any information about anything else in the world.
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Jun 11, 2018 19:12
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Fitzy Fitz posted:How do people end up with these ridiculously high cell phone bills? Mine's been $45/month for years. I wouldn't even know where to look for a more expensive plan or what I would get out of it. If you're rich and dumb companies are more than happy to upsell you all the way to the moon.
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Jun 11, 2018 19:29
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Leon Trotsky 2012 posted:I'm the Petsitter and we still are.
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Jun 11, 2018 19:33
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Ashcans posted:I know your friend is BWM but running a rental scam through his house seems a little harsh. Oops, didn't realize he was responding to the Reddit post. I wonder how much I could make in 4 days....
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Jun 11, 2018 19:35
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Fitzy Fitz posted:How do people end up with these ridiculously high cell phone bills? Mine's been $45/month for years. I wouldn't even know where to look for a more expensive plan or what I would get out of it. Its the phones now a days that make it really add up. 4 people on unlimited data is either $160 a month or $200. But keep in mind , that’s with autopay. Most people won’t do autopay, so it’s really $180 to $220. Insurance is $40 to cover 4 people. So now we are at $220 or $260. iPhone 8 is $29 a month. iPhone X is $42 a month. Times 4 people is $120 to $160. So now we are at $340 up to $420. iPads are $20 a month to add a line. And if you want the pro, you can finance that for only $30 a month. So $50 a month per iPad purchased. Apple Watch is $10 a month, and it’s only $69 for 6 months to pay off the watch. Honestly, most bills aren’t that high (but also def not as low as BFC would recommend). It’s usually $150-200 for 2 people, $300-350 for 4 as ball park averages that I see. Including phone payment plans. More people say no to iPads than yes. But yeah, it can be pretty easy to be upsold to a high bill pretty fast , either up front, or with add ins over a 1 year period.
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Jun 11, 2018 23:38
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My cousin complained to me her phone bill was too high at $60/mo. I asked her what service she was getting at that price and what her actual usage was. She said she didn't have time or desire to figure any of that out, just that it was too much. So then I told her you are paying exactly how much you should be paying. She agreed. That's why people end up paying how much they do.
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Jun 12, 2018 00:08
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 Magissima posted:https://news.ycombinator.com/item?id=17283119 Inept posted:Same person: Lockback posted:I have a GWM suggestion for you! Mantle posted:My cousin complained to me her phone bill was too high at $60/mo. I asked her what service she was getting at that price and what her actual usage was. She said she didn't have time or desire to figure any of that out, just that it was too much. Content! Car salesman altered down payment/car price to get me a better interest rate through a credit union. Did I get screwed? https://www.reddit.com/r/personalfinance/comments/8qdsqb/car_salesman_altered_down_paymentcar_price_to_get/ quote:Hey Reddit! I am a first time car buyer so please be easy on me if the answer is totally obvious. quote:I did ask for the warranty, however I was not told that it would be added to the original principal of the car. quote:So on the contract it says: 
SiGmA_X fucked around with this message at 02:17 on Jun 12, 2018 |
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Jun 12, 2018 02:13
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How about this BWM: On AUD$120k/year (at least) post doctoral researcher/clinician sending a mass email to other highly paid researchers asking a simple googleable question ("adobe text edit tool bar"). They even posted a screen shot with the toolbar button visible in hot pink "Edit PDF" but they couldn't see it. I replied with a direct answer, but someone thought a loving tutorial was needed to find and use the editing tools. An email just came through, that wasn't their problem, it's actually something else but they were too dumb to articulate. The new screenshot has the toolbar open, but supposedly they need something else. jfc Suspicious Lump fucked around with this message at 02:28 on Jun 12, 2018 |
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Jun 12, 2018 02:20
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Inept posted:Same person: quote:I have honestly thought about suicide Sounds like he's assimilating quite well.
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Jun 12, 2018 02:30
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That horse TLDR gif is just phenomenal.
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Jun 12, 2018 04:16
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Tag yourself: I'm the $500 a month on electricity. Here's a hint, RUN YOUR CEILING FANS, OPEN YOUR WINDOWS AT NIGHT AND TURN DOWN YOUR GODDAMN AC.
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Jun 12, 2018 04:28
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SiGmA_X posted:Fifty thousand dollars USD to start a company and not even file the documents?! Not to mention he apparently can't program well enough to keep a job, or sell himself well enough to get clients... Jesus... Wait til he finds out that Japanese corporations owe a minimum tax just for existing, regardless of profit or activity level. His 5 million yen will slowly evaporate to tax and compliance costs.
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Jun 12, 2018 04:54
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EAT FASTER!!!!!! posted:Tag yourself: I'm the $500 a month on electricity.
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Jun 12, 2018 05:02
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Hoodwinker posted:They have to be running a grow operation. I'm not even sure my parents' massive old dutch colonial with like a zillion square feet required that high of an electric bill. There's a real disconnect between a $1900 mortgage and $500 a month in electricity but maybe it's like a 4500 square foot mansion from the 1880's?
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Jun 12, 2018 05:45
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sale on Banksy art posted:Wait til he finds out that Japanese corporations owe a minimum tax just for existing, regardless of profit or activity level. His 5 million yen will slowly evaporate to tax and compliance costs.
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Jun 12, 2018 06:05
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quote:I thought maybe I would have better luck starting my own company so I paid an judicial scrivener to incorporate a company and I invested all my savings into it. Another reason for starting the company was to allow me to extend my visa. This means the corp definitely exists to the tax office and it owes taxes. And if it doesn't pay taxes, he's going to have trouble with that visa sponsorship part.
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Jun 12, 2018 06:20
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EAT FASTER!!!!!! posted:There's a real disconnect between a $1900 mortgage and $500 a month in electricity but maybe it's like a 4500 square foot mansion from the 1880's? Maybe they signed up for a predatory electric supplier for an into rate and are now paying 3x par.
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Jun 12, 2018 11:57
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I'm the lawn, pool, and housecleaning that somehow costs almost half the mortgage.
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Jun 12, 2018 13:28
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EAT FASTER!!!!!! posted:There's a real disconnect between a $1900 mortgage and $500 a month in electricity but maybe it's like a 4500 square foot mansion from the 1880's? You can absolutely run an electric bill that high if you're leaving your AC set to the mid 60s and you live somewhere warm, and those people exist.
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Jun 12, 2018 13:34
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$500 in Anime/Netflix and $500 for "decent clothes," because you can't wear your polo shirts and jeans to community college.quote:Hi, so I really need some advice going forward. For the last 4 years, I been working at my father’s business while going to school part time at my local community college for computer science. I been working everyday since graduating high school, and the business lately has taken off. https://www.reddit.com/r/personalfinance/comments/8f555t/22_years_old_and_have_about_125k_in_my_savings/ Leon Trotsky 2012 fucked around with this message at 13:38 on Jun 12, 2018 |
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Jun 12, 2018 13:35
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Leon Trotsky 2012 posted:https://www.reddit.com/r/personalfinance/comments/8f555t/22_years_old_and_have_about_125k_in_my_savings/ $500 is not totally out of line for that. I pay $10 for Spotify, $14 for Netflix, and $10 for Prime. That’s a little over $400 and I don’t think it’s terrible. It just seems big when you add it up.
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Jun 12, 2018 13:43
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Leon Trotsky 2012 posted:My friend seems to think it is an exclusively pro-gun rally and just dropped somewhere between $900 and $1,500 (plus PTO) because his gun club President said to do it - with no additional information at all. Well I guess this solves the mystery of how the NRA is so effective
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Jun 12, 2018 15:45
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Leon Trotsky 2012 posted:$500 in Anime/Netflix and $500 for "decent clothes," because you can't wear your polo shirts and jeans to community college. This kid's actually budgeting out a year of expenses and the question he is asking is if he can afford a few hundred for clothing over the course of the year. After taking 4 years to do two years off work at the community college because he wad working and getting a scholarship. He had been saving most of his income in anticipation of going to college full time. Kid is GWM.
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Jun 12, 2018 15:46
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therobit posted:This kid's actually budgeting out a year of expenses and the question he is asking is if he can afford a few hundred for clothing over the course of the year. After taking 4 years to do two years off work at the community college because he wad working and getting a scholarship. He had been saving most of his income in anticipation of going to college full time. Yeah what the hell is this guy doing in /r/personalfinance? I'm concerned that his $3k for "food and spending money" is too broad (and not enough) and $1000 won't cover "books and supplies" but his (?) head is in the right place. Also lmao at this dipshit quote:[–]Uniquehorn01 -2 points 1 month ago gently caress off, guy. "you've saved up six figures, immediately start lighting it on fire by giving it to your parents. end everything you enjoy. things were much harder for me."
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