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GoGoGadgetChris posted:"it puts the lotion on its skin!" will be the perfect ad campaign! Skin so soft you'll think it's someone else's.
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Jul 8, 2018 10:35
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Seasonal manual labor needs to be *very* highly compensated to be worth it, because of the key word “seasonal.” It’s better to work the whole year at $15 an hour than half of it at $20 an hour. Guest workers change this calculus because they come from low cost of living places. So it’s very much worth their while to do $15 an hour for 6 months in the USA as opposed to $1 an hour for the whole year in their home country.
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Jul 8, 2018 13:37
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Eh, just because that particular role is active in only one season, it doesn't mean that there is no other work available for the rest of the year. Also if your God-Emperor Orange Pissbabby cuts off the flow of migrant labour, then highly-compensated American farmhands and $25 punnets of strawberries might be your only option.
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Jul 8, 2018 14:01
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Weatherman posted:Eh, just because that particular role is active in only one season, it doesn't mean that there is no other work available for the rest of the year. I'm not arguing for or against your point, but the cost of strawberries is a function of supply and demand, not a function of how much it costs to produce. If a grocery store could "make up" the cost of production by charging $25, they'd charge it already. In your scenario, $25 strawberries would happen because fewer farmers would be growing them.
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Jul 8, 2018 14:39
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Strawberries are relatively cheap because they're grown domestically and harvested with cheap labor. Get rid of that cheap labor and they'll be more expensive because they'll be grown far away and harvested with cheap labor and then shipped at great expense to the United States. At no point will strawberries ever be picked by expensive labor.
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Jul 8, 2018 15:17
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Krispy Wafer posted:Strawberries are relatively cheap because they're grown domestically and harvested with cheap labor. Get rid of that cheap labor and they'll be more expensive because they'll be grown far away and harvested with cheap labor and then shipped at great expense to the United States. I think Lockback's point is that food has numerous substitutes, if strawberries get expensive people will just not buy strawberries. At no point will strawberries be expensive, they just won't be available (at least mass market)
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Jul 8, 2018 15:41
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Foma posted:I think Lockback's point is that food has numerous substitutes, if strawberries get expensive people will just not buy strawberries. At no point will strawberries be expensive, they just won't be available (at least mass market) Ones grown and picked in the US won't be available. Just as what's in my local grocery store right now, there will be strawberries from Mexico and I'm sure other places. If people still want strawberries and they are too expensive to produce in the US the void WILL BE filled unless we trade war it from happening.
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Jul 8, 2018 15:45
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Foma posted:I think Lockback's point is that food has numerous substitutes, if strawberries get expensive people will just not buy strawberries. At no point will strawberries be expensive, they just won't be available (at least mass market) Probably. The ol'hotdog versus hamburger substitute. If prices go up too much people will settle for strawberry flavored items to get their fix. I'm trying to recall any food that disappears for stretches of time because of expense and the only thing I can think of are those little Halo oranges. Around the time they reach 8 bucks a bag the supermarkets stop carrying them. I'm sure there are other examples, but in our world of plenty there isn't much that isn't available at some price.
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Jul 8, 2018 15:47
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the foreign strawberries wont be an option if tariffs are high and there is a trade war on
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Jul 8, 2018 15:57
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Isn't this how you ended up with corn syrup in literally everything?
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Jul 8, 2018 15:58
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Carl Killer Miller posted:My girlfriend, who's in training to become a dermatologist, is thinking about making and marketing a skin cream for horses. In her words, "they'll (horse people) buy anything!" Close, but pump it full of lavender and call it 'holistic equine epidural moisturizing creme' Then sell it for $20 for a 3 oz tube and rake in the cash.
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Jul 8, 2018 16:16
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Ghost Leviathan posted:Isn't this how you ended up with corn syrup in literally everything? Subsidies get you that.
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Jul 8, 2018 16:16
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Foma posted:Subsidies get you that. Sadly, Big Strawberry isn't there yet.
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Jul 8, 2018 16:19
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Ghost Leviathan posted:Isn't this how you ended up with corn syrup in literally everything? High tariffs on sugar to protect domestic sugar production and then subsidies on corn to promote corn growing. At some point I have to question whether sugar growers are making less money with subsidies since so much of their business went to HFCS.
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Jul 8, 2018 16:21
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Splicer posted:Goodbye horse's dry skin! Silence the foals.
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Jul 8, 2018 16:22
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Krispy Wafer posted:High tariffs on sugar to protect domestic sugar production and then subsidies on corn to promote corn growing. My dad grew up in SE Colorado, sugar beet farming was huge in that area. Now the huge thing is leasing your water rights to Denver. Corn subsidies completely destroyed the sugar beet industry out there.
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Jul 8, 2018 16:26
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22 Eargesplitten posted:My dad grew up in SE Colorado, sugar beet farming was huge in that area. Now the huge thing is leasing your water rights to Denver. Corn subsidies completely destroyed the sugar beet industry out there. 
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Jul 8, 2018 16:31
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$25 strawberries will never happen because you can just grow your own strawberries lmao
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Jul 8, 2018 17:30
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GoGoGadgetChris posted:$25 strawberries will never happen because you can just grow your own strawberries lmao Many people can’t, or can only grow a pretty small amount. To say nothing of February.
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Jul 8, 2018 17:33
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Motronic posted:Proper wine and juice grapes are determinate. Each variety in each field are all ripe at the same time. High-end vineyards (even those with extensive, flat fields) are pretty much 100% hand harvested, even today. Only the bulk stuff is machine harvested. I can't speak to whether this actually makes a difference, but the people who run the show in Napa definitely think it does (and they pay through the nose to do it that way). Vox Nihili fucked around with this message at 19:59 on Jul 8, 2018 |
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Jul 8, 2018 19:56
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Content: 92k in Debt - 100k Income (self.personalfinance) quote:Ashamed to admit that I have made some really bad choices in my life. My wife and I are currently 90k in debt with an annual combined salary of 100k we are both 24, and own a house which we owe 220k on, not much equity yet as we have been here for about a year. We were able to buy this house when we had about 80k in debt. So what's the deal with the $51k car that is "VITAL" to his job? quote:I work in the Oil Field was a bad purchase a couple years ago and indeed was a trophy truck at the time. I would 100% never buy this again, knowing what I know now. But unfortunately because it was hit a couple times by others, every time I have tried to trade it in with a dealership I get appraised at about 15k. Meaning I lose 36k on the loan Ah.
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Jul 8, 2018 20:04
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Does being in an accident but getting it fully repaired really gently caress up the value that badly? My year old car has two brand new driver side doors after some lady T-Boned me. Wonder if my car is worth a pittance now.
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Jul 8, 2018 20:11
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I know we’re not supposed to touch the poop, but I really hope someone tells him that trade-ins are always going to be way lower than what you could sell it for. He needs to get that thing paid down quick, sell it, and buy an old Ranger or something. At least hopefully the old guys on the field will remember before trucks became luxury vehicles. At least I don’t see anything else particularly stupid in there that he’s treating as normal. Maybe spending is unrealistically low. He knows the phone contract is dumb. If he actually put anywhere near the amount he says is left over into his debt he could stand a chance of fixing it. Wait, he didn’t budget for repairs to the house or the vehicle. I guess at least if it’s a condo, the outside repairs tend to be covered by the fees?
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Jul 8, 2018 20:20
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GoGoGadgetChris posted:Does being in an accident but getting it fully repaired really gently caress up the value that badly? As part of your insurance settlement you should get a check for diminished value. For example, crunching the rear quarter panel of my wife's Buick because I'm an idiot resulted in a $1400 check representing our vehicle's diminished value. So his excuse is bullshit. If someone hit his truck he would have received diminished value as part of his payout. He can cry now because his car is worth so much less but he didn't lose any money because of those accidents. Unless they were his fault. Only a few states cover that.
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Jul 8, 2018 20:20
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Krispy Wafer posted:As part of your insurance settlement you should get a check for diminished value. For example, crunching the rear quarter panel of my wife's Buick because I'm an idiot resulted in a $1400 check representing our vehicle's diminished value. For my accident, we were deemed at equal fault  No DV payout for me
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Jul 8, 2018 20:25
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22 Eargesplitten posted:I know we’re not supposed to touch the poop, but I really hope someone tells him that trade-ins are always going to be way lower than what you could sell it for. He needs to get that thing paid down quick, sell it, and buy an old Ranger or something. At least hopefully the old guys on the field will remember before trucks became luxury vehicles. The glaring question here is how he apparently has no money on hand (and is in fact borrowing money via some sort of line of credit) despite being in a situation where he's supposedly netting $2,000 a month. It sounds like a lot of spending is falling through the cracks.
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Jul 8, 2018 20:31
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Yeah gaining $10k in debt in a year (first paragraph) while claiming to have $2000/mo “extra” means something is not right here. I suppose things like “roommate and bonuses” could be very very recent, but eh. He’s either lying or with a small amount of discipline can be out of debt (minus mortgage) in five years.
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Jul 8, 2018 21:12
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Oil field people provide amazing stories. He doesn't even make much money, for being in oil... But if I'm reading that right, doesn't he have $2k/mo unspent income? He also lists $350 min CC payment, but no CC debt in the debt list... I skimmed the thread and saw a few questions about that without reply, too. lol. Oiltards. GoGoGadgetChris posted:Does being in an accident but getting it fully repaired really gently caress up the value that badly? I am guessing he didn't repair it. GoGoGadgetChris posted:For my accident, we were deemed at equal fault WithoutTheFezOn posted:Yeah gaining $10k in debt in a year (first paragraph) while claiming to have $2000/mo “extra” means something is not right here. I suppose things like “roommate and bonuses” could be very very recent, but eh. He’s either lying or with a small amount of discipline can be out of debt (minus mortgage) in five years.
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Jul 8, 2018 21:14
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https://www.reddit.com/r/personalfinance/comments/8x5htm/not_sure_where_my_money_is_going_help/ Not sure where my money is going, help? quote:Mid-20s, single male. I separated from the military a few years ago and was living off my credit cards and basically living outside of my means for a good period (still trying to stop the living above my means portion). Going to avoid the backstory and get straight to the details of my budget. quote:I had a motorcycle as my main mode of transportation because it was all I could afford at the time. After a few months of doing this I saw that it wasn’t very practical so I got a car. I plan on selling my motorcycle but I’m upside down on it right now by a couple thousand. I was also trying to figure out how to lower my car payment (trading it in for a less expensive car) but since I’m upside down on it as well, it wouldn’t help any. quote:I have been [looking at my credit card/bank statements]. The majority of the extra money was towards eating out/entertainment (easily $300+) and gasoline. I fill with about $180/month not including trips home which are another $90 per trip.
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Jul 9, 2018 00:33
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Disability AND a high-paying job? What?
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Jul 9, 2018 00:44
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BMan posted:Disability AND a high-paying job? What?
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Jul 9, 2018 00:47
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https://www.reddit.com/r/personalfinance/comments/8x4ys7/recently_got_divorced_now_stuck_w_2_car_payments/ Recently got divorced now stuck w 2 car payments. Need advice.. quote:Okay so I recently went through a divorce and initially we each had taken on our own vehicles to keep but now she can’t afford to keep paying on her vehicle and has never refinanced so I’m still the main one on the account. I have been paying on my truck which is $650 a month and now I’m expected to pay $500 for a vehicle as well. I’m curious if it wouldn’t be beneficial to trade both in on something, see if I can get someone else to take over payments on the vehicle and put it in their name, or just let it go back and see how bad it would hurt my credit. Any advice or insight would be appreciated. Not trying to ruin my credit but I’m not sure I can afford to pay on a car I won’t even use. quote:The car is worth 12k - 14k based on KBB and I owe 18k it’s a 2017 Hyundai Elantra, my 2014 Dodge Ram is worth 15k -18k based on KBB and I owe 19k quote:If I sold privately, I’m just guessing but I figured I could get anywhere from 10k - 15k on the car and just pay out the rest... that would be a last resort as I don’t know if I can afford it.
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Jul 9, 2018 01:31
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Vox Nihili posted:High-end vineyards (even those with extensive, flat fields) are pretty much 100% hand harvested, even today. Only the bulk stuff is machine harvested. .....and then they buy juice from oregon that was machine harvested and mix it all together. I know these games. Also, the "quality" way to do this is to sort the harvest before crushing. It's a lot easier than doing it in the field - most accurate and requires fewer people. It's done on a belt on the way to the crusher both by hand and sometimes optically as a first stage (which i believe someone else already mentioned). Remember, most of wine and wine marketing is 98.6% bullshit. People literally do not want the best product: they want the idea of what they think was the best from back in ye olden times. A lot of this is very obvious in packaging, which some parts of the market is finally just coming around to. Hint: bottles with corks and caps suck - they've been around forever because that's the best technology that was available at the time - the ultimate disposable packaging system for greater than a single serving it turns out is: bag in box. That's right - box wine. But nobody wants a rack of wine boxes in their kitchen/dining room/whatever.
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Jul 9, 2018 02:25
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Motronic posted:the ultimate disposable packaging system for greater than a single serving it turns out is: bag in box. That's right - box wine. But nobody wants a rack of wine boxes in their kitchen/dining room/whatever. For the real nasty stuff you just get the bag (no box). In New Zealand we call it a death bladder, Australia its a goon bag. Nothing is more classy than the end result which is your fly undone with the death bladder tap hanging out.
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Jul 9, 2018 02:33
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Goon bag, I like that. E: Wiki says its also known as a goon.
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Jul 9, 2018 02:35
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A clerk at a free legal services legal clinic says "we do sim powl bankruptcies." That means they don't do bankruptcies of student loans, as that would require an adversarial filing. So, https://www.reddit.com/r/personalfinance/comments/8x6nff/a_clerk_at_a_free_legal_services_legal_clinic/ quote:...why do they only do "sim powl" bankruptcies? And why would committing an adversarial filing on a student loan bankruptcy somehow be something they'd not want to do?
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Jul 9, 2018 03:00
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Motronic posted:A clerk at a free legal services legal clinic says "we do sim powl bankruptcies." That means they don't do bankruptcies of student loans, as that would require an adversarial filing. So, Sim Powell, man that guy's lazy.
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Jul 9, 2018 03:24
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I decided to see what google would provide for "sim powl".quote:Bumming Crew Dating Sim (feat. Powl and Roots)
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Jul 9, 2018 03:38
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Motronic posted:.....and then they buy juice from oregon that was machine harvested and mix it all together. If you blend with other vineyards then you won't be able to call your $100 wine "estate bottled" and all the fancy folks from san francisco will turn up their noses.
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Jul 9, 2018 03:51
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SiGmA_X posted:Oil field people provide amazing stories. He doesn't even make much money, for being in oil... But if I'm reading that right, doesn't he have $2k/mo unspent income?
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Jul 9, 2018 04:32
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