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JIZZ DENOUEMENT posted:Do you people take your expensive/powerful cars to race tracks? Do you speed on highways all the time? GoGoGadgetChris posted:Even if you don't go on a track or do 120 on the freeway, accelerating from 0-60 in the blink of an eye and going around corners real fast is fun! GoGoGadgetChris posted:SA Forums are big on costly hobbies. Cars, guns, voluntary animal ownership
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Jul 20, 2018 15:43
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GoGoGadgetChris posted:SA Forums are big on costly hobbies
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Jul 20, 2018 23:46
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I also like expensive whiskey and I'm given to understand that smoking weed can become very expensive and full of weird tech.
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Jul 21, 2018 15:34
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Unless you're slamming back Antique Collection stuff or Japanese whiskey, at least a good bottle of whiskey won't push $100 and (hopefully!!!) lasts a month or more. Although if you order non-well whiskey at a bar or restaurant, you pay an insane markup. I tried to stop drinking beer on account of FatBod, and it sucked going from $4 beers to $13 glasses of hooch
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Jul 21, 2018 15:40
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Drinking alone at home: GWM.
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Jul 21, 2018 17:14
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Coco13 posted:Drinking alone at home: GWM. Look at this rookie wasting electricity on lights. Jameson is my go to bar drink if I'm not getting a cocktail. Tends to be <=10/glass. My old dive bar it was $8/double. You couldn't order it smaller.
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Jul 21, 2018 17:53
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Make your own hooch by fermenting random grains. Bonus - you might product bootleg anti-freeze and save a trip to the mechanic.
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Jul 21, 2018 19:14
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Not a Children posted:I staved off the societal pressure to buy a home for another year, and managed to talk my landlord into renewing my lease with the same under-market rent I've been paying for 2 years. Year 3 with no rent increase in Denver in Lohi for me.
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Jul 22, 2018 00:19
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I wish I had money
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Jul 24, 2018 03:32
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Too much spending or not enough income?
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Jul 24, 2018 03:40
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Hoodwinker posted:Too much spending or not enough income? NOT ENOUGH INCOMMMMMMMMMMMMMMMMMMMMMMMMMMMMME
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Jul 24, 2018 06:13
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Well, get at 'er.
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Jul 24, 2018 13:39
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Just get a job that pays more?
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Jul 24, 2018 13:46
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EAT FASTER!!!!!! posted:Just get a job that pays more? Ah, so that's what I've been doing wrong.
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Jul 24, 2018 19:04
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It's probably trivial, but I have money in my budget for next month set aside to transfer to retirement accounts. Does it make sense to just do it early, and have a negative balance for this month get carried over in to next month and get zeroed out? I just got paid today and like the first thing I do when I wake up on pay day is geek out over my budget, and it seems kind of silly for me to wait until the first of the next month to transfer money, but maybe there's some reasoning that I'm missing so I thought I would just ask all the people here who are way better at having money than I am.
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Jul 25, 2018 15:07
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BAE OF PIGS posted:It's probably trivial, but I have money in my budget for next month set aside to transfer to retirement accounts. Does it make sense to just do it early, and have a negative balance for this month get carried over in to next month and get zeroed out? The difference is probably trivial if we're talking about a handful of days but in general time in the market has long term expected value so investing sooner if you have the cash to do it is in principle a good idea.
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Jul 25, 2018 15:34
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On the other hand, don’t spend early on your budget. Then it isn’t a budget. This same thing goes towards spending on high-value items that you may need to save up for. If you have $200/mo in “shopping” and want to buy a $300 thing, you should wait until you’ve accrued a $300 balance (due to underspending) and only then purchase. Do not “borrow” from your future self. It’s okay to adjust your budget and to allocate unusually-obtained money, but generally my thought is that your budget is probably in place for a reason, and deviating from it should be carefully considered beyond just “I want it NOW”.
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Jul 25, 2018 16:22
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money that's already allocated to a purpose (eg IRA contribs) should be spent on that purpose as soon as you receive it IMO earmarked contributions are different from accrual categories
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Jul 25, 2018 16:24
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I wouldn't spend it before you have it, even if you can afford to float yourself the loan.
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Jul 25, 2018 17:23
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BAE OF PIGS posted:It's probably trivial, but I have money in my budget for next month set aside to transfer to retirement accounts. Does it make sense to just do it early, and have a negative balance for this month get carried over in to next month and get zeroed out? EAT FASTER!!!!!! posted:I wouldn't spend it before you have it, even if you can afford to float yourself the loan.
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Jul 25, 2018 17:24
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Hoodwinker posted:I always transfer over savings money as soon as I have the money to transfer. If I somehow need extra cash, that's what my e-fund is for. The second point is a good one, but I always consider the source of my "float" to be the emergency fund (in my mind). Here, it turns out he's already paid, so that money is just allocated ahead. My situation is a little different because I'm paid on the first of the month.
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Jul 25, 2018 17:37
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EAT FASTER!!!!!! posted:Here, it turns out he's already paid, so that money is just allocated ahead. yes, this is why I advised he do it: he already has the money. I wouldn't advocate borrowing in advance against a future payment.
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Jul 25, 2018 20:08
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Applied for a mortgage pre-approval with Quicken today, and they tell me that I qualify for a loan 5.5x my base annual salary, with a monthly payment that is 62% of my net take home.
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Jul 26, 2018 16:18
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Sirotan posted:Applied for a mortgage pre-approval with Quicken today, and they tell me that I qualify for a loan 5.5x my base annual salary, with a monthly payment that is 62% of my net take home.
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Jul 26, 2018 16:22
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Sirotan posted:Applied for a mortgage pre-approval with Quicken today, and they tell me that I qualify for a loan 5.5x my base annual salary, with a monthly payment that is 62% of my net take home. Lol when you have low debt payments and like to put money into retirement and also have large payroll deductions for insurance or what have you, it always makes for big comedy. Good on you for balking at it since jumping at that kind of debt is what shows on TLC are loving made of.
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Jul 26, 2018 20:13
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Yeah I guess the common advice is housing expense should be max 30% of your gross pay, which imho max 30% of net seems more reasonable. (Confession: I have to google the difference in gross and net almost every time I need to reference it  )The Quicken loan rates still comes out to 43% of my gross monthly pay which I find ridiculous. Currently looking to buy something that would give me an all-in payment at or less than 16% of my gross/23% of net.
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Jul 26, 2018 21:07
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I still don’t get why anyone would underwrite something like that. Does Quicken just turn around and resell the loan? And if they do, why on earth would they buy it?
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Jul 27, 2018 11:08
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Our mortgage is about 6.5% of our take home net taxes and above the line retirement savings.
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Jul 27, 2018 14:31
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EAT FASTER!!!!!! posted:Our mortgage is about 6.5% of our take home net taxes and above the line retirement savings. 
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Jul 27, 2018 15:07
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EAT FASTER!!!!!! posted:Our mortgage is about 6.5% of our take home net taxes and above the line retirement savings. Too small
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Jul 27, 2018 15:41
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EAT FASTER!!!!!! posted:Our mortgage is about 6.5% of our take home net taxes and above the line retirement savings. I send you a hearty oh go to hell from the bay area, where my rent is 46% of my take-home in spite of GP-level income. 
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Jul 27, 2018 23:14
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Sundae posted:I send you a hearty oh go to hell from the bay area, where my rent is 46% of my take-home in spite of GP-level income. He said he’s in Iowa, so he’s already there man
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Jul 28, 2018 04:11
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Cacafuego posted:He said he’s in Iowa, so he’s already there man 
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Jul 28, 2018 05:00
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Random-ish question. Did this forum once originate some kind of smiley that had "BASIL" flashing? I feel like I remember this being a thing, but I can't find it for the life of me.
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Jul 28, 2018 05:04
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DrSunshine posted:Random-ish question. Did this forum once originate some kind of smiley that had "BASIL" flashing? I feel like I remember this being a thing, but I can't find it for the life of me. I don't recall the smiley in particular but that sounds like it would have come out of tuyop's megathread: https://forums.somethingawful.com/showthread.php?threadid=3427699
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Jul 28, 2018 05:11
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Tuyop was the best thread because he spent a year insisting he had zero job risk because he was in the military and had guaranteed income for as long as he wanted it, then he got injured and had to leave. Then he started selling weed or something but everyone called it basil
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Jul 28, 2018 05:29
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IllegallySober posted:I don't recall the smiley in particular but that sounds like it would have come out of tuyop's megathread: Oh I must've just seen his avatar, haha! Well then. Thanks for solving that particular mystery. ... you should have a :basil: smiley, though.
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Jul 28, 2018 06:14
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I’m having a little anxiety. I was offered and accepted a promotion by the ceo at our nonprofit to be our executive manager. I’m the youngest and least tenured person here and really have no work experience with this type of position. I’m currently running our database and doing reports. She’s offered to mentor me and has been successful at many other agencies as ceo (she’s 55). She wanted to see if I would accept first, before drastically reorganizing our leadership org chart. Which will basically reduce my current bosses responsibilities, totally change my previous bosses responsibilities, and move our current executive manager into a program director role. Basically, I’m excited for the job but this promotion was totally out of blue. And just anxious about leap frogging people much older in our organization without actively trying to.
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Jul 29, 2018 15:25
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That sounds like an odd choice/offer. What's going on at that org? Is management fundamentally broken and this is her way of wiping the slate clean and starting over from scratch?
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Jul 29, 2018 15:41
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f1av0r posted:She wanted to see if I would accept first, before drastically reorganizing our leadership org chart. Which will basically reduce my current bosses responsibilities, totally change my previous bosses responsibilities, and move our current executive manager into a program director role. Taking risks is a great way to get ahead in life, but a chain of demotions with a seeming rookie leap frogging every one seems like it would sow a lot of ill will into the organization. I would have a long hard talk with her about how this is going to be communicated out, how she will help you deal with the fallout, and why the current person you are taking over for isn't being fired. Finding work in the non-profit sector is not a cake walk, so carefully consider what would happen if you do not succeed in the role. I would make sure you have a clear set of guidelines that will demonstrate success from your ceo. Look up your orgs tax documents to see if they spell out salary information. You should be making at least as much as the person you are replacing, or have a clear and contractual description of how you're going to get there.
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Jul 29, 2018 16:10
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