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Even non exotic pets are expensive. Most non slum lord apartment management companies will charge a deposit of $250-$400 per animal plus monthly rent of $30-$50 per animal.
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Aug 6, 2018 05:42
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My pet needs to chew constantly in order to not die, and I am surprised when it chews things
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Aug 6, 2018 05:48
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Mocking Bird posted:Who the gently caress let’s their rabbit free roam enough to eat a couch and then REPLACES IT only to let the rabbit eat it AGAIN? GoGoGadgetChris posted:Even non exotic pets are expensive. Most non slum lord apartment management companies will charge a deposit of $250-$400 per animal plus monthly rent of $30-$50 per animal. My dog costs about 35/mo averaged over the last 4yrs. This includes semi-regular vet checkups and teeth cleaning. We have an agreement that if he gets sick, he gets cremated. It's worked out well so far! SiGmA_X fucked around with this message at 05:55 on Aug 6, 2018 |
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Aug 6, 2018 05:52
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GoGoGadgetChris posted:And Coors Light is delicious Nobody wants to know about your piss fetish buddy
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Aug 6, 2018 09:48
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GoGoGadgetChris posted:Pedantic bastard!!! Lol
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Aug 6, 2018 11:50
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the talent deficit posted:army doctors are almost universally people who didn't want (or worse; couldn't) get loans for medical school even tho they got accepted. the competent ones get themselves into programs that don't involve doing check ups on dumb poo poo recruits on some shithole base. the bad ones, well. Army doctors are generally competent and you're a moron. If you want to be a doctor in the US and have the aptitude to do so going through the military is one of the most GWM paths you can take. They provide a huge amount of financial assistance - not loans - all the way up to a full tuition ride. You get residency and additional training after school. You become an instant officer (Captain for PhDs) which, trust me, is the best way to go through the Army if you're going to go through it. Their basic training is a joke because they don't want to scare anyone off; it's a four week saluting class. You get paid and treated well, get good housing benefits, everyone lower in rank has to salute you, in return for having to put up with less bullshit and the same lovely locations as your average dumbfuck private does. After 5 years (usual term) you most likely get out with no school debt and a solid amount of experience. I personally know several doctors and dentists who went this route and they are way better off then the ones who shouldered 200k+ of student loans. There's literally nothing BWM or BWL about it. If you're a fuckup you're a fuckup with or without going this route and there are no more or less fuckup doctors in the military than anywhere else.
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Aug 6, 2018 14:12
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Foma posted:wait, not everyone here has read the Park West BWM story https://www.bloomberg.com/news/features/2016-12-14/ever-bought-artwork-on-a-cruise-prepare-to-be-seasick Ho-ly poo poo this is amazing. I was wondering what the deal with art on cruises was, but now I understand. Get you buzzed, sell you a xeroxed copy of a famous name. Wow.
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Aug 6, 2018 14:26
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Ixian posted:Army doctors are generally competent and you're a moron. The military isn't a repository of bad doctors, but military medicine is a weird, occasionally bad bureaucracy. The earning hit you take for the years you're enrolled (in a career already truncated by 10+ years of graduate and post-graduate education) is bad enough that it probably isn't worth it financially to pursue, but for whatever reason people's mileage varies about this point.
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Aug 6, 2018 14:29
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The military scholarship equals out if you could make around 210-230k/y as a civ and dedicate the difference to your debt. Less than that the military is GWM. Most surgical specialists make more, most primary docs make less. Generally speaking military medicine has things that it’s good at and things that you want to stay far away from. Specifically their surgical outcomes aren’t great because they struggle to get enough cases. They’re good at managing chronic issues and doing good preventative medicine, though. If you go to family clinic run by the military you’ll get better compliance to guidelines and whatnot because they aren’t staffed by old as dirt physicians who can’t be arsed to learn the new guidelines. Almost all the good doctors bail immediately because staying in is both BWM and BWL unless you’re a shamu (no longer fit to be released into the wild).
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Aug 6, 2018 14:45
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If we circle this all the way back to the point, which is the gentleman who's the subject of our current thread title: If he'd bother to go visit his Tri-Care doctor he'd get immediate, and probably good, care that would cost him exactly zero. And unless it was life-threatening or nearly so the worst that would happen is his command would be notified that he has a medical profile excusing him from <x> duties, or that he needs to take <y> drugs, etc. Which happens every single day in military units. Someone is always on profile for something. My guess is still that he was taking steroids on the side which makes him BWL; avoiding the base doctors to get it treated on the down low out of pocket is the BWM part. If they nail him for that - and if he goes in for treatment for that condition my guess is they will - yeah, he's got problems. Not nearly as bad as the problems he's gonna have the way he's doing it. Also the HIPAA command exemption isn't just for doctors in the military; it applies to private physicians too. Nothing stopping them from notifying his command, in fact I think they are required to. If, for example, you nod out on opiates and a private hospital/service brings you back they'll tell them. So he could pay out of pocket and still be screwed.
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Aug 6, 2018 15:10
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I will not have this thread besmirching my beloved macro beers. Light beer accomplishes exactly what it sets out to do without being a chore to drink.
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Aug 6, 2018 15:15
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crazypeltast52 posted:I will not have this thread besmirching my beloved macro beers. Light beer accomplishes exactly what it sets out to do without being a chore to drink. I can't seem to find the "Upvote" button???
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Aug 6, 2018 16:53
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crazypeltast52 posted:I will not have this thread besmirching my beloved macro beers. Light beer accomplishes exactly what it sets out to do without being a chore to drink. Tell us more about your beer opinions in the bad with money thread
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Aug 6, 2018 17:17
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BWM thread has a low tolerance for dear ale posting
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Aug 6, 2018 17:23
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This is like some kind of BWM moment of zen: Kids birthday party quote:how much is an acceptable budget for 5 or 6yrs old? Reply posted:This sounds like someone is trying to win an argument with their significant other.
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Aug 6, 2018 17:42
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Ixian posted:Army doctors are generally competent and you're a moron. Yeah, I knew a number of Army dentists 10 years ago who went that route. I asked them why they chose what they did, especially since one of them was essentially going to inherit/take over his dad's dental practice. His explanation was that running a dental practice requires you to be good at being a dentist and good at running a business (or knowledgeable enough to hire the right person to run it for you). Army dental was a really great place for fresh dental school graduates to get experience and become really good and fast at being a dentist. So after their time commitment to the Army, they could go straight to starting or buying into a practice and start pulling down the big dental bucks. They also all had families which means that both the benefits from the Army were better and the relative debt load from taking loans would have been higher. After the Army, one of them just picked a place they wanted to live and just moved there and opened a dental practice. Another went to med school and became some sort of oral surgeon ($$$$$$). They were assigned to a post that did basic training and some AIT schools. They encountered a whole lot of 18 year old privates who had not seen a dentist until they joined the army. They said it was an excellent environment for a new dentist, because they had so many patients come through that they saw everything. Here's a fun bad with money story from them. When you're in dental school, you're drawing a salary as some sort of cadet rank. Somehow, the students in their cohort were not classified correctly in the system and were instead drawing their full officer pay (which they're only supposed to get after graduation). They all knew that something was up, because they were getting paid 2x what they should have for 4 months. The smart ones were putting the overpayments aside, knowing that the Army would eventually figure it out and ask for it back. The less smart ones were treating it like a windfall and spent it as it came in. Sure enough, the Army figured it out and then sent demand letters ordering them to repay the overpayment amount in full right away or have it taken as paycheck deductions. Some of them had to figure out how to live without a salary for the next ~4 months.
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Aug 6, 2018 17:44
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I worked on a military base as a civilian contractor during the Iraq/Afghanistan years. Medical units Mobed/demobed from our base and I would chat with the some of the Docs there. One guy said he went the Army route because he didn't want to deal with the politics/stress of placements and such and wanted to just start helping patients immediately, which the Army provided, even though he knew he'd probably not make as much money. He was also considering staying in for his 20 because he thought the lifestyle was probably better than being a rich guy in private practice. So there are soft benefits beyond salary that may or may not motivate people.
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Aug 6, 2018 17:54
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The dentists at the jail I worked at seemed to have a pretty good gig. X-rays and pulling teeth was the name of the game. On off days go to their regular practice.
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Aug 6, 2018 19:45
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They recently moved the army medical “how to salute” school up to Oklahoma. The main reason was to make it more severe/strict and surround them with non-medical people (i.e. combat MOS instructors), but it’s still not hard at all unless you show up severely out of shape or with a terrible attitude.
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Aug 6, 2018 20:30
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Someone I went to High School with posted this on Facebook on Saturday:quote:Anyone got any info on a good monthly loan or side hustle with consistent monthly income? No credit cards or anything that requires a deposit. Maybe just budget for two checks instead of planning on getting a loan every month for 10 out of 12 months of every year? Unrelated: But what is the point of the "Recommend Me" feature on Facebook? It is just an annoying template that is the exact same as all the text to image templates they have built in now, except it has a mandatory giant google maps embed for no reason.
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Aug 6, 2018 20:53
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What are army docs paid? Leon Trotsky 2012 posted:Someone I went to High School with posted this on Facebook on Saturday: SiGmA_X fucked around with this message at 20:57 on Aug 6, 2018 |
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Aug 6, 2018 20:55
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Leon Trotsky 2012 posted:
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Aug 6, 2018 20:58
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I don't want to dogpile this guy too badly because I don't know the rest of his situation, but https://forums.somethingawful.com/showthread.php?threadid=2892928&pagenumber=554&perpage=40#post486804801
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Aug 6, 2018 21:05
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EAT FASTER!!!!!! posted:I don't want to dogpile this guy too badly because I don't know the rest of his situation, but https://forums.somethingawful.com/showthread.php?threadid=2892928&pagenumber=554&perpage=40#post486804801 Nooooo!!
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Aug 6, 2018 21:14
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Vox Nihili posted:Nooooo!! I got loving referred pains from his post. Like, I felt it like I'd been hit in the stomach.
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Aug 6, 2018 21:15
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EAT FASTER!!!!!! posted:I don't want to dogpile this guy too badly because I don't know the rest of his situation, but https://forums.somethingawful.com/showthread.php?threadid=2892928&pagenumber=554&perpage=40#post486804801 Right into my loving veins
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Aug 6, 2018 21:20
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That decimal is obviously in the wrong place guys. I’m sure it’s just .45% fees.
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Aug 6, 2018 22:19
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Krispy Wafer posted:That decimal is obviously in the wrong place guys. I’m sure it’s just .45% fees. Agreed. 45.0% fees.
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Aug 6, 2018 22:45
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Krispy Wafer posted:That decimal is obviously in the wrong place guys. I’m sure it’s just .45% fees. Hahaha, he's not even got it that bad in the spectrum of getting ripped off. I posted about it before, but I once saw a 401k with over 4% fees per year AND expense ratios of 1.3% to 2.9%.
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Aug 6, 2018 23:02
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Leon Trotsky 2012 posted:Someone I went to High School with posted this on Facebook on Saturday: lmfao how dumb can you be, when I was paid biweekly id use the extra paycheck we would get every few months as an added bonus.
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Aug 6, 2018 23:32
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Ever talk to someone paid on commission? They have one good month/quarter or whatever and then spend like that's the new normal.
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Aug 6, 2018 23:33
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GoGoGadgetChris posted:Ever talk to someone paid on commission? They have one good month/quarter or whatever and then spend like that's the new normal. Also works for guys who work a lot of OT and adjust their budget accordingly. Construction workers are getting a ton of OT right now, and this all feels like right before the recession where I heard guys talking about how they can't afford the new truck they got if the OT doesn't keep up.
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Aug 7, 2018 01:20
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Krispy Wafer posted:That decimal is obviously in the wrong place guys. I’m sure it’s just .45% fees. It's a 4.5% load fee. The ERs are around .75%.
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Aug 7, 2018 01:53
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Those 3 paycheck months never feel like 3 paychecks. You’re halfway through the next month before you get paid again so it’s more like 2 and a half paychecks at best. Harry posted:It's a 4.5% load fee. The ERs are around .75%. I’m not sure I’ve ever even seen a load fee. My mom uses active management with Fidelity and I don’t think they charged a front load fee. They make all their money off the management fees. Imagine letting someone manage your money and being down 4.5% on day one.
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Aug 7, 2018 02:08
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Load fees are one of the most common ways a financial advisor gets paid. Most people here aren’t familiar with them because they are at least smart enough to not use a financial advisor.
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Aug 7, 2018 02:11
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GoGoGadgetChris posted:Ever talk to someone paid on commission? They have one good month/quarter or whatever and then spend like that's the new normal. It was something of a ritual in my office, first big month and we started buying toys, then learned it was variable and mostly reined it in. There is a sweet jeep wrangler that one of my coworkers likes to spend money on accessorizing though.
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Aug 7, 2018 02:16
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Krispy Wafer posted:
Yeah your mom knows about load fees, all right.
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Aug 7, 2018 03:09
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Midjack posted:Yeah your mom knows about load fees, all right. Her ROI is so bad she can’t even get a letter returned for insufficient postage.
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Aug 7, 2018 03:18
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Midjack posted:Yeah your mom knows about load fees, all right.
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Aug 7, 2018 03:37
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crazypeltast52 posted:It was something of a ritual in my office, first big month and we started buying toys, then learned it was variable and mostly reined it in. There is a sweet jeep wrangler that one of my coworkers likes to spend money on accessorizing though. I can't remember if I posted this here before so if I did and someone remembers that's my bad. I used to be HR director for a security company. We'd kind of overextended our grasp and were living from one infusion of venture capital to another to make payroll. This involved some multistage process of sending a mobile guard to pick up the cheque from one place, have it certified at another, and then deposited at a third, from which payroll would be drawn, all on the same day. It was a loving shitshow. Anyway because of the complexity involved a few times it didn't happen and payroll bounced. For like 150 people. Most of whom didn't have bank accounts so they'd cashed them at payday loan places. We reissued cheques but they'd already spent the first, and then cashed the second and spent that too. We got so many calls from these joints looking for their money it was ridiculous. Then we went bankrupt because the VP was stealing money from the account where we stuck the tax remittances from payroll and the revenue man came calling. I don't know if they ever got their dough.
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Aug 7, 2018 03:38
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