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Evil Robot posted:I ate a can of mixed vegetables today with an expiration date of 2012. Tasted fine. GWM? Only if you live in socialized medicine paradise. If not enjoy your bankruptcy proceeding for treatment of a blown rear end gasket
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Jul 14, 2018 20:49
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bob dobbs is dead posted:Aren't there multiple youtube channels predicated on eating decades old canned and preserved goods How's ~120 years old for you? https://youtu.be/jZoHuMwZwTk
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Jul 14, 2018 21:07
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Yeah, same guy ate civil war hardtack
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Jul 14, 2018 21:15
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Ixian posted:If we're really lucky he'll actually make those claims to the IRS and get slapped with a frivolous argument charge on top of everything else and that is where the IRS really fucks you. StormDrain posted:Just open a payday loan company.
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Jul 14, 2018 21:17
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Years ago my friend worked for a clothing retailer. She got an extra $1 in her paycheck for every person that applied for the store credit card. So, every week she filled out an application for herself and submitted it. After she got approved she would call and cancel the application. She did this for several months. She checks her credit score at some point and sees that it’s tanked because of all the hard credit checks. She knew full well credit checks affected your credit score. But she reasoned that the store cards are “charge cards” not credit cards, it wouldn’t affect her score. They weren’t actually charge cards, but even if they were it would still affect her score. Make an extra buck a week in return for dropping your credit score by 50 points. BWM.
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Jul 14, 2018 23:10
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Krispy Wafer posted:Do you rotate the same set of tires so one vehicle is on blocks in the yard? On a g6 you are supposed to remove the front bumper to change a lightbulb but you can stretch it and get it in there without damaging the bumper or taking it off. Dodge stratus put the battery in the wheel well. Its hard to get in there if you have winter tires. My aunt's boyfriend leased a Pontiac g6 after totaling her second dodge stratus. MI doesnt do points on a license the same way as other states and she liked to drive fast. I guess she could talk her way out of most speeding tickets, and you need three tickets in two years for 16 plus mph over to lose your license. Even then it is not 100% and many cops will mark it down as 15 over. Totaling a car doesnt count for points in many cases. MI insurance rates are the highest in the country so it doesnt seem that much higher for bad drivers. At the time she had a 120 mile a day commute including picking up and dropping off the boyfriend. She was sharing her third stratus with her boyfriend so the Pontiac was supposed to stay under 10k miles a year. She totaled it and they decided to share one car. They knew the mileage was way over and they would have to buyout the lease. Iirc she was on the hook for the payments too. The boyfriend would handle the maintenance, oil changes, brakes, changes the tires, took the car in twice for something else and she couldnt use the car for a day or two each time. One day she is driving to work and braking and the car is pulling hard to one side, luckily no one is injured and no significant damage. Took it to the shop and he said the brakes are badly worn and she is arguing they fixed it a couple months ago. Come to find out the boyfriend was lying about doing maintenance the last two years or so. She could have died. Pretty elaborate lies considering she had to borrow a car or rent one a few times. The car had about 75k miles with at least CV 6 months till the lease is up, never had the tires changed or brakes, the other repairs were a lie, and who knows if he even did the oil. This is a car he spent nearly two hours a day riding in along with her and he knew they would not be able to turn it back in when they are over the lease mileage with two years left. I never found out his reasoning. She confronted him and tried to set him on fire unsuccessfully, he moved out
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Jul 14, 2018 23:25
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Raere posted:Years ago my friend worked for a clothing retailer. She got an extra $1 in her paycheck for every person that applied for the store credit card. So, every week she filled out an application for herself and submitted it. After she got approved she would call and cancel the application. She did this for several months.
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Jul 15, 2018 00:06
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Raere posted:Years ago my friend worked for a clothing retailer. She got an extra $1 in her paycheck for every person that applied for the store credit card. So, every week she filled out an application for herself and submitted it. After she got approved she would call and cancel the application. She did this for several months. Hard inquiries start to fade off your credit score in a couple months and disappear totally in 2 years. They aren't really bad for your score at all, except in the very short term.
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Jul 15, 2018 00:41
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Leon Trotsky 2012 posted:Hard inquiries start to fade off your credit score in a couple months and disappear totally in 2 years. That’s good to hear. She hasn’t talked about it in a while so it must’ve gotten better.
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Jul 15, 2018 02:44
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Raere posted:charge cards Hmph, I genuinely didn't know that charge cards were a real, separate category of cards. I mean, I know how an AmEx-style card works, but in every context I've ever heard the term "charge cards," it's always just been hicks talking about credit cards.
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Jul 15, 2018 03:29
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Wolfy posted:Even without the credit check, who the hell would even fill out the form for one loving dollar? Someone making minimum wage and barely surviving, presumably.
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Jul 15, 2018 04:09
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lampey posted:On a g6 you are supposed to remove the front bumper to change a lightbulb but you can stretch it and get it in there without damaging the bumper or taking it off. Dodge stratus put the battery in the wheel well. Its hard to get in there if you have winter tires. I remember this story from several years ago. It’s definitely one that deserves to be repeated. Brakes and tires are totally optional like in-cabin air filters.
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Jul 15, 2018 04:12
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Wolfy posted:Even without the credit check, who the hell would even fill out the form for one loving dollar? I was sure it was some kind of typo like supposed to be $10 or $1 per hour or something.
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Jul 15, 2018 04:12
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lampey posted:On a g6 you are supposed to remove the front bumper to change a lightbulb but you can stretch it and get it in there without damaging the bumper or taking it off. Dodge stratus put the battery in the wheel well. Its hard to get in there if you have winter tires. Why was the boyfriend lying about doing the maintenance? Was he just pocketing the cash for himself or was there some kind of brainfuckery in play? Also was "tried to set him on fire" metaphorical? 
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Jul 15, 2018 04:22
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StormDrain posted:I was sure it was some kind of typo like supposed to be $10 or $1 per hour or something. iirc it was also a tracked metric, so it ever so slightly improved her score or w/e that managers hound retail employees about Anyway it was very BWM, she would have been better off putting the effort into convincing more actual customers to sign up
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Jul 15, 2018 04:40
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Weatherman posted:Why was the boyfriend lying about doing the maintenance? Was he just pocketing the cash for himself or was there some kind of brainfuckery in play? If memory serves - yes, and no.
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Jul 15, 2018 04:40
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Weatherman posted:Why was the boyfriend lying about doing the maintenance? Was he just pocketing the cash for himself or was there some kind of brainfuckery in play? I would normally expect drugs or gambling addiction. There weren't any outward signs. Maybe he was just insane. It just doesnt make any sense to lie about doing the maintenance. New cars don't really need that much so it isn't saving much money. She was understandably upset. Fire alarms went off, he wasn't seriously injured though.
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Jul 15, 2018 05:31
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bob dobbs is dead posted:Aren't there multiple youtube channels predicated on eating decades old canned and preserved goods There is an extremely obese prepper type on YouTube who open tins of like 100 year old potted chickens, and huge slabs of beef, and eats them. It’s pretty great. Canning is one of my hobbies, so I’ve seen a lot of those videos.
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Jul 15, 2018 06:36
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lampey posted:She confronted him and tried to set him on fire unsuccessfully, he moved out This is known as "burying the lede" Depressing but typical story about how two people in a relationship can find ways to be complete dickheads to one another: Sad, but routine. Trying to set the other person on fire (successfully or not): Tell us more.
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Jul 15, 2018 08:16
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Self immolation protests lose a lot of their effect when you realize the monk is just trying to distract everyone from who ate all the pho.
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Jul 15, 2018 16:43
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I've been making changes to my autolending for P2P loans with the new parameter being any loans over $50k. The typical loan on the market is like one I've seen today. Loan reason: University fees and a holiday Existing loan: $66k with 4 payments made New loan: $70450 for 5 years @ 11.99% Seriously there's so much BWM yet the system grades the loan as an A5 (yay for credit scoring). Seriously they don't even get a pickup truck out of this, they can't afford a holiday and seriously how the gently caress are they going to pay $1566 per month while going to university and being on holiday? They can't afford a loving holiday. I'm beginning to think all of New Zealand is BWM as I was looking at a chart of debt to GDP. New Zealand households have twice the debt to GDP of the US, and Australia is about 10% worse again. How has the whole country managed to gently caress up this badly when people get free healthcare and have no medical debt?
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Jul 16, 2018 01:05
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When you're not saddled with the possible looming spectre of medical debt, you can open up the floodgates on your credit cards without worrying!
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Jul 16, 2018 03:44
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House prices that are guaranteed to go up forever and the occasional squandered resource boom, what else are we supposed to do with all that equity? How about...quote:Easy way to short S&P 500 - ASX: BBUS (self.AusFinance) Sure, the fund has dropped 30% in the past year, but time in the market beats timing the market, right?
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Jul 16, 2018 04:10
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uvar posted:Sure, the fund has dropped 30% in the past year, but time in the market beats timing the market, right? So what you're saying is, it's on sale. Just like the Buffett Warren Billionaire would recommend.
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Jul 16, 2018 04:14
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uvar posted:House prices that are guaranteed to go up forever and the occasional squandered resource boom, what else are we supposed to do with all that equity? How about... This idea needs more leverage to provide full enjoyment. CFDs are great except when you need to come up with more money.
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Jul 16, 2018 04:53
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Fitzy Fitz posted:You never, ever, ever pay for your entire graduate degree (unless you're rich or something). Universities fund grad positions, and if you're not being offered funding, you don't go. Aren't a lot of pre-professional Masters like MBAs almost always without funding? A lot seem like a ripoff though
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Jul 16, 2018 04:55
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Devian666 posted:I've been making changes to my autolending for P2P loans with the new parameter being any loans over $50k. The typical loan on the market is like one I've seen today. Also I can't really decide if it's morally corrupt to lend people money at higher-than-usually rates (usury?), are we taking advantage of them or are we providing a service? My religious upbringing
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Jul 16, 2018 05:12
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WithoutTheFezOn posted:Oddly enough, in parts there really aren’t. Family members are telling me houses in their city frequently sell within 1-3 days, and there are very few places to rent. That's a BWM problem all its own. Almost all that's been built in Central Iowa for 20 years is McMansions and townhomes. The aging stock of reasonably sized houses hasn't kept up with demand in any way, so anything decent that's sub 2k square foot gets immediate offers from people who've been sitting on savings while renting.
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Jul 16, 2018 08:00
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Won’t argue that, but I’d guess that’s true pretty much everywhere. Been a long time since I’ve seen or heard of (significant) new construction of <2000 sqft houses anywhere.
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Jul 16, 2018 08:24
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Suspicious Lump posted:What lending platform do you use and is it GWM to lend to people who are bad with BWM? I'm over in Australia (hi cousin!), wonder if it's accessible? It's Harmoney and they have expanded into Australia. Any moral decisions you'll have to decide for yourself. Not everyone is destroying themselves financially. That said I've help fund a few expensive weddings/house additions etc.
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Jul 16, 2018 08:26
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WithoutTheFezOn posted:Won’t argue that, but I’d guess that’s true pretty much everywhere. Been a long time since I’ve seen or heard of (significant) new construction of <2000 sqft houses anywhere.
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Jul 16, 2018 09:01
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WithoutTheFezOn posted:Won’t argue that, but I’d guess that’s true pretty much everywhere. Been a long time since I’ve seen or heard of (significant) new construction of <2000 sqft houses anywhere. All about that margin for the builders. It's not that much more expensive to build 3k square feet of open concept with minimal quality builder's grade everything, and it'll sell for a premium to people who think they have to have it. Buying into that is a whole forest of BWM between developer-run HOAs, builders that go out of business just after finishing the neighborhood to avoid warranty work, and shoddy construction and urban planning that's going to make resale terrible for a lot of these places.
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Jul 16, 2018 10:55
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Nirvikalpa posted:Aren't a lot of pre-professional Masters like MBAs almost always without funding? A lot seem like a ripoff though Your employer should ideally front the money, but yeah an MBA is like the one exception I can think of for paying for a Master’s Absolutely do not go into debt for one.
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Jul 16, 2018 13:09
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Masters of Social Work and Nursing are not often funded or fully funded and can be good investments as they come with licensure privileges
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Jul 16, 2018 13:15
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Mocking Bird posted:Masters of Social Work and Nursing are not often funded or fully funded and can be good investments as they come with licensure privileges Most hospitals will pay for a working nurse to get a MSN though? Agreed that they’re not funded by the school (ie the graduate student will not be paid a stipend to work for the school doing research or TA’ing)
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Jul 16, 2018 14:04
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Devian666 posted:It's Harmoney and they have expanded into Australia. How do they actually verify the income and other financial information of the borrowers? And is there any recourse for lenders if someone defaults? Microfinancing seems like it is ripe with potential for fraud and BWM.
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Jul 16, 2018 14:39
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Pre-professional degrees can be an exception, yeah. I think "video game design" probably falls under that category, but there's no way in hell the financial return is worth paying for that degree.
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Jul 16, 2018 14:43
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Fitzy Fitz posted:Pre-professional degrees can be an exception, yeah. I think "video game design" probably falls under that category, but there's no way in hell the financial return is worth paying for that degree. Choose a job you love and you'll never have to work a day in your life. Pew pew! Viddea games! Pew!
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Jul 16, 2018 15:15
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Bad With Money 2018: A degree in Video Game Design is a pre-professional program.
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Jul 16, 2018 15:17
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Phanatic posted:Yes? That's a thing. Good With Flavor. Those work great for marinating meat.
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Jul 16, 2018 15:21
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