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VitalSigns posted:Well I guess this solves the mystery of how the NRA is so effective He is definitely obsessed with his 4-5 hobbies (guns, exotic fish/aquariums, craft brewing, hockey, and distance running) to an insane degree. I'm pretty sure that whales like him are where 80% of the donations come from. His grandfather got him a lifetime membership to the NRA and he still voluntarily pays monthly membership fees to support the organization. He also has really bad impulse control about any of his hobbies. - He bought a $2,500 fish from China because there was a wait list and someone cancelled, so he had to make a decision RIGHT NOW or someone else might buy it. - Every time there is even a hint of gun control talk at the state or federal level, he will just get on his phone and give the NRA and the GOA $500 each or whatever he has sitting in his checking account. - He spends a ton of money to fly across the country to participate in marathons once a month. - He told me that if they passed an assault weapons ban in our state, that he would immediately put his house on the market and keep his guns hidden until he could sell his house and move somewhere without one and bring his guns. He is totally normal; until you get on the subject of guns, beer, running, fish, or hockey and then it's like someone flipped a switch and he will not be able to talk about anything else for an hour. Leon Trotsky 2012 fucked around with this message at 16:22 on Jun 12, 2018 |
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Jun 12, 2018 16:20
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While he seems like a rather loony gun person, on the other hand I envy that he has the time and money to spend on things he loves. I can't count how many goofy hobbies I daydreamed about getting into that get stymed by the fact that I have neither the disposable income nor spare time to devote to them on that level.
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Jun 12, 2018 16:26
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Panfilo posted:While he seems like a rather loony gun person, on the other hand I envy that he has the time and money to spend on things he loves. I can't count how many goofy hobbies I daydreamed about getting into that get stymed by the fact that I have neither the disposable income nor spare time to devote to them on that level. All you have to do is have you parents own a large regional business and put you on payroll. Pretty simple. He is getting "cut off" now, but is still spending like he's making ~115k, which is what is triggering his financial "crisis." He's still way better off than 90% of people, but I think he is having a ton of trouble going from "Never have to think about money for 30+ years" to learning how to budget. He's in his mid-30's and has just been hanging out in a well-paid position at the company, but only learning exactly what he needs to do for his current job. His parents want to retire and are going to give it to his little brother instead. He is a loony gun person, but until recently his gun enthusiasm was a lot more quiet. It's only in the last 3 or 4 years that he got very loud about. He has always been very loud about fish and beer, though.
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Jun 12, 2018 16:34
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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. If your sex life only costs $500 a year that's pretty good I guess
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Jun 12, 2018 16:45
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Leon Trotsky 2012 posted:He is getting "cut off" now, but is still spending like he's making ~115k, which is what is triggering his financial "crisis." He's still way better off than 90% of people... 99.93%, but don't stop to fix the ledger or we'll get behind on our guillotining quotas
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Jun 12, 2018 18:41
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Trustworthy posted:99.93%, but don't stop to fix the ledger or we'll get behind on our guillotining quotas He doesn't make that anymore. He's down to around 55-65k depending on commission, but is spending like he makes 100k+. Like I said, I'm not crying for him. Some people just have terrible impulse control and combining that with 30+ years of never really having to think about money results in terrible decisions. There is some mental block in 90% of people that prevents them from ever downsizing their lifestyle because it is some mental admission of failure.
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Jun 12, 2018 18:47
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Oops, yeah, I misread. Welp, too late now! 
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Jun 12, 2018 19:11
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Leon Trotsky 2012 posted:There is some mental block in 90% of people that prevents them from ever downsizing their lifestyle because it is some mental admission of failure. It's just a hard thing to do even if people don't feel like they're failing. Most people don't even know where all their money goes, or they've locked themselves into structural lifestyle stuff that's painful to give up and take from their families. I've been on unpaid medical leave since January, and I don't see it at all as a failure, but it's been hard to figure out how to materially claw back where I spend money (especially while I'm sick and often too tired to cook and so forth).
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Jun 12, 2018 19:19
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Subjunctive posted:It's just a hard thing to do even if people don't feel like they're failing. Most people don't even know where all their money goes, or they've locked themselves into structural lifestyle stuff that's painful to give up and take from their families. I've been on unpaid medical leave since January, and I don't see it at all as a failure, but it's been hard to figure out how to materially claw back where I spend money (especially while I'm sick and often too tired to cook and so forth). Temporary medical leave is a different scenario than a permanent 50% pay cut. It's crazy to think that you don't have to alter your lifestyle at all when you are bringing in half of what you used to for the foreseeable future.
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Jun 12, 2018 19:29
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These never get old: https://www.reddit.com/r/personalfinance/comments/8qjzh7/question_about_next_year_taxes_for_ages_2336_is/ quote:
I don't think you can possibly pay more in taxes than you earn. Get to looking for a job.
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Jun 12, 2018 19:30
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Sock The Great posted:These never get old: But a year off?!? (I'd get bored... Plus possibly less employable)
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Jun 12, 2018 20:03
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Sock The Great posted:My husband is 36 and I am 23...he goes to school maybe 3 times a week and plays video games/sometimes study the rest So many women in their early 20s that marry men that are 10-20 years their senior, then realize why their husband was going for someone so young.
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Jun 12, 2018 20:03
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SiGmA_X posted:But a year off?!? Took a year off to travel and hike in nature. Landed with a higher paying job than when I left. If what you take off for is cool or useful you can almost certainly leverage that experience come interview time.
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Jun 12, 2018 21:18
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George H.W. oval office posted:Took a year off to travel and hike in nature. Landed with a higher paying job than when I left. If what you take off for is cool or useful you can almost certainly leverage that experience come interview time.
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Jun 12, 2018 22:02
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Sock The Great posted:These never get old: Maybe they could.. and I’m just thinking out loud here.. both get jobs? Plus then the OP would learn how taxes work! (Jk thread. She doesn’t mention children though I’m sure they’re bouncing around neglected somewhere.) howdoesishotweb fucked around with this message at 00:06 on Jun 13, 2018 |
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Jun 13, 2018 00:03
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Dip into 401k? https://www.reddit.com/r/personalfinance/comments/8qmpm4/dip_into_401k/ quote:I need to buy a car for a new job that will pay significantly better. Only have ~6k in 401K. Does it make sense to use that money since I’ll rebuild it pretty quickly at my new job or should I just take out a small loan? I have very good credit. howdoesishotweb posted:Maybe they could.. and I’m just thinking out loud here.. both get jobs? Plus then the OP would learn how taxes work! Actually, I am looking at her post history and she has a bachelors degree and a job at (I think) a small real estate agency. With no PTO or 401k and garbage health insurance. Nice! And her husband won't lock the doors of their house/apartment. That was a big thread in r/relationships lol. This is from the husband doesn't like work thread: quote:OK. Before he quit he was making around 40,000 before taxes. He already filed for this year and he ended up paying 1,000 in taxes. He was saying since he quit and has been living off of GI bill (which will probably expire when the class is over in a month), then he should wait until 2019 to get a job since he thinks he will have to pay the government for the months he has not been working which by the time 2019 rolls around will be roughly 10 months if he does not work... quote:It is from mycomputercareer (I know. I told him and he said he could get up to 20 certs in the course if he takes the exam and passes all of them) So far those are the only 2 he has taken and passed (even though he can get more). He said he would look for work after getting those two but brought up maybe he should wait until Jan for work due to not wanting to pay more in taxes etc.. I just told him he should be working a full time job anyway and should start working. I don't even think he knows what he wants he just says he wants to work with computers (he thinks geek squad would be good for him though I worry about the pay for that job)...
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Jun 13, 2018 00:32
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That post juxtaposes nicely with the comment about responsible stay at home dad's being getting hit on by the other moms.
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Jun 13, 2018 00:45
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Oh lulz. Business owner with 70k in personally guaranteed biz debt from several accounts w one bank. Can't decide to try and settle versus declare the big B. https://www.reddit.com/r/personalfinance/comments/8qk748/business_owner_with_70k_in_personally_guaranteed/ quote:My situation in a nutshell:
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Jun 13, 2018 01:24
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Lol like geek squad gives a poo poo about any technical skills. Probably right up his alley.
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Jun 13, 2018 01:24
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Parents want me to sign a mortgage for themquote:Throwaway for privacy reasons. How are there this many stories like this? I almost want to make a shittiest parent thread to find out because these stories make me cringe and there seems to just be more and more of them as I read /pf. 19 Year Old building credit but can't get a new car loan quote:I'm 19 years old, in the military with a steady paycheck and I'm wanting to buy a new 2018 Toyota Tacoma. the fee's are 4% of the final price plus $175 documentation fee's. Total price is around $35,000. I'm looking to put $2,000 down and pay the tax+fees with the rest of the money I have saved. Currently have a paid off car that's worth about $4k-$5k and I would sell that after I buy the truck. This kid doubles down in the responses, absolutely refuses to rethink his choices. Cacafuego fucked around with this message at 12:29 on Jun 13, 2018 |
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Jun 13, 2018 12:23
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Cacafuego posted:How are there this many stories like this? I almost want to make a shittiest parent thread 
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Jun 13, 2018 12:44
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Cacafuego posted:19 Year Old building credit but can't get a new car loan Pack it up folks, we found the guy in the military who can’t get approved for a terrible car purchase.
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Jun 13, 2018 13:03
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crazypeltast52 posted:Pack it up folks, we found the guy in the military who can’t get approved for a terrible car purchase. What a dipshit, he keeps saying “lol thanks I didn’t ask for life advice”. Someone should really goad him into buying even more truck with worse financing terms.
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Jun 13, 2018 13:08
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Spring Heeled Jack posted:What a dipshit, he keeps saying “lol thanks I didn’t ask for life advice”. Tacoma? Nah bruh, you need a Ford F350 quad cab super duty with the diesel engine. Make sure you get all the dealer add-ons too!
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Jun 13, 2018 13:14
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crazypeltast52 posted:Pack it up folks, we found the guy in the military who can’t get approved for a terrible car purchase. Guy claims his mom makes 35k/month, and he joined the military....that has to be a typo or we have found the dumbest man in America (don't enlist. Don't enlist if you're rich, get a BS first from literally any school and be a noble).
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Jun 13, 2018 13:17
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Get a 2015 Tacoma for $20k instead. There, I saved you $15k.
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Jun 13, 2018 13:24
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Palladium posted:Being a big bank is GWM. There's practically no real consequences to their actions when "bail us out or everybody else dies" always works. e: whoops, this is way way old Bhodi fucked around with this message at 13:51 on Jun 13, 2018 |
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Jun 13, 2018 13:49
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Cacafuego posted:[url=https://www.reddit.com/r/personalfinance/comments/8qrabl/19_year_old_building_credit_but_cant_get_a_new/] 19 Year Old building credit but can't get a new car loan It’s saving him now but being a Jr, III, etc of a BWM relative sucks. I’ve had to redirect bill collectors and remove so much wrong poo poo from my credit reports for my BWM dad. Just pay your cell phone bill damnit!
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Jun 13, 2018 14:10
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howdoesishotweb posted:It’s saving him now but being a Jr, III, etc of a BWM relative sucks. I’ve had to redirect bill collectors and remove so much wrong poo poo from my credit reports for my BWM dad. Just pay your cell phone bill damnit! Or just stop being so vain as to name your kids after yourself.
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Jun 13, 2018 14:35
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Bhodi posted:Iceland took a hatchet to theirs and ended up better than fine, people should emulate them Yeah but we didn't nationlize the wealth of the capital class, so.... The 5 bankers we imprisoned managed to get their buddies in parliament to pass a special law that granted only those 5 probation out of jail, where one of them crashed a helicopter he had hidden through shell accounts while flying around visiting foreign wealthy, *while* wearing his electronic ankle bracelet. Hidden helicopter asset was not seized and no consequences have been handed for the event. Additionally the capitalist are still firmly in control of both Rvk and Iceland as a whole. It was a nice PR stunt that was like 1/20th of what was needed, but not nearly enough to be anything sustainable.
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Jun 13, 2018 15:14
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poopinmymouth posted:Yeah but we didn't nationlize the wealth of the capital class, so.... My man, have you seen how hard every other country has failed to do even one iota of what Iceland accomplished?
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Jun 13, 2018 15:32
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crazypeltast52 posted:Pack it up folks, we found the guy in the military who can’t get approved for a terrible car purchase. Things must have really tightened up around the bases. When I was in the Army (do never enlist, yes I was enlisted) 25+ years ago you'd trip over terrible financing offers the moment you stepped off post. Cars, payday loans, strip clubs, I mean it was all there to drain your wallet. There were even a few (whole life insurance salesmen, I seem to remember) who had deals that allowed them on post and they'd walk around shilling in the barracks. It was stupid easy to totally wreck your financial history for years to come, even for life (meaning you never learned). What is going on these days? An enlisted teenager with no credit and terrible decision making powers can't buy a new pickup he doesn't need?
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Jun 13, 2018 15:42
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Splicer posted:The r/relationships thread had a shittiest parent battle. It got real depressing real fast. Not even funny depressing, just... You could get even more depressed and see how many of the same posters end up in /r/raisedbynarcissists trying to put themselves back together after parental blackmail.
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Jun 13, 2018 16:15
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Sock The Great posted:I don't think you can possibly pay more in taxes than you earn. Fun fact: At one point in the 1970's Astrid Lindgren discovered that her tax rate was 102%.
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Jun 13, 2018 17:09
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Same with Ingmar Bergman.
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Jun 13, 2018 17:31
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https://www.reddit.com/r/personalfinance/comments/8qdth3/need_help_figuring_out_a_budget_for_a_working/quote:Need help figuring out a budget for a working class person with an expensive hobby (me) hint: it's a truck
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Jun 13, 2018 22:25
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I'm more interested in how he's only spending $450/ month on every other non-truck expense in his life combined including rent. Imagine living a monastic lifestyle because you love your rock-climbing truck and the places it can take you (on top of rocks, presumably).
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Jun 14, 2018 01:33
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pro replyquote:You are effectively working 83 hours per month to support your hobby in after tax dollars ($1500 / $18 hour). Not pro follow up quote:difficult part is this truck is also my daily driver Loan Dusty Road fucked around with this message at 01:44 on Jun 14, 2018 |
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Jun 14, 2018 01:40
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GamingHyena posted:I'm more interested in how he's only spending $450/ month on every other non-truck expense in his life combined including rent. Imagine living a monastic lifestyle because you love your rock-climbing truck and the places it can take you (on top of rocks, presumably). He's got to be living with his parents.
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Jun 14, 2018 12:00
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My favorite soldier BWM story from a friend was one of his privates used his entire monthly paycheck for a Ford Raptor. He couldn't even pay for gas on the thing so he had to beg his friends to ride with him and pay for gas when he carted them around town. Enlisted soldiers are an absolute treasure trove of BWM stories.
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Jun 14, 2018 13:14
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