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Cacafuego posted:Orlando rental rates for a one bedroom in safe part of town can reach $1350. You would be extremely lucky to get a 2bedroom for that price. Houses are way more than that. Miami is high as well and I don’t know about Tampa. Orlando home prices and rental rates have soared in the last 5 years or so. We had a friend that lived in a studio downtown that was paying $1750/mo a couple years ago and it’s only gone up from there. Lol I rented a 3bd house in Brandon for 1300 back in like 05-07
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Sep 3, 2018 18:56
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Volmarias posted:[laughs in Manhattan] [A bitter echo from Melbourne.]
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Sep 3, 2018 20:16
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FAUXTON posted:Lol I rented a 3bd house in Brandon for 1300 back in like 05-07 But you had to live in Brandon..... I actually looked at rental prices in Brandon a couple years ago to help a coworker and the prices seem to have shot up to be equivalent to the nicer parts of Tampa. Still way better costwise than all the cities everyone else is listing.
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Sep 3, 2018 21:26
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flynt posted:But you had to live in Brandon..... Yeah, I worked at Bern's at the time so it was like a half hour drive too.
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Sep 3, 2018 21:35
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This is the most dumb poo poo I've read in a long, long time: 66-year old Baby Boomer wants to put $50K of her investment account into meme/hype stocks for "the exhilaration of 'watching it grow like crazy'":quote:“I have about $50,000 of stocks in a TFSA that I want to liquidate and start over... says Diane... And if she loses her money? “I know I may lose it all by investing this way,” says Diane. “But I don’t plan to spend this money. I just want this account for the exhilaration of watching it grow like crazy.” I'm also annoyed at how the article writer is trying to portray this woman's aspirations out to be cute and ambitious, when in reality she's just straight up being greedy at the top of an equity growth cycle. Would love to get in touch with this lady- I have a bridge that I'd like to sell her. melon cat fucked around with this message at 18:45 on Sep 4, 2018 |
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Sep 4, 2018 18:38
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Yes, because securities increase in value "4tehlulz" 
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Sep 4, 2018 19:17
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https://www.reddit.com/r/personalfinance/comments/9cyc0p/loan_amount_of_3k_but_i_only_need_1500_what_do_i/?sort=top Loan Amount of $3K but I Only Need $1500, What Do I Do With the Rest? Hello all! (Background - I am a 21 year old college student living on campus. My monthly loan payment is only $106/month with no penalty of early pay-off and a reasonable 15% interest rate thanks to my moms perfect credit score of 850 lol. I don't really need "you should have done this or that" or "Man you're getting screwed on this loan" type of stuff. All I ask is you please keep it relevant to the questions I am asking. Thanks!!) After my laptop ended up being stolen I was forced to take out a loan to buy a new device for school. I have more or less decided upon an iPad Pro setup that will total around $1600 for everything I would need. My loan through wells fargo had a minimum loan amount of $3000 being the lowest you could borrow. With this setup I have in mind, it kind of leaves me with a lot of left over money. My question is, what should I do with the left over money? Should I use the excess to put right back into the loan and pay it off quicker? Or can I use the money towards hobby's and passions of mine that also need funding. My parents think I should just keep the money since it was already loaned to me and just use it on what I need, not necessarily splurge on hobbies. My S.O. is more leaning towards putting most/all of it back into the loan to pay it off early, and I want to use about 2/3 of it on my hobbies and put the rest back towards the loan. It's weird because I feel like what I want to do is super not adult like and irresponsible, but at the same time, they already gave me the money so what's the problem in using it all? Thanks in advance! Any questions or clarifications needed, just let me know!
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Sep 4, 2018 21:57
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Vox Nihili posted:https://www.reddit.com/r/personalfinance/comments/9cyc0p/loan_amount_of_3k_but_i_only_need_1500_what_do_i/?sort=top Someone should tell that SO to 
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Sep 4, 2018 23:51
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It’s like the platonic ideal of what Boomers think of millennials.
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Sep 4, 2018 23:52
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Vox Nihili posted:https://www.reddit.com/r/personalfinance/comments/9cyc0p/loan_amount_of_3k_but_i_only_need_1500_what_do_i/?sort=top So Mom also doesn't have $1,600 on hand for a laptop, nor access to any other cheap line of credit or maybe no trust in the kid to pay her back directly. Not to mention there are cheaper alternatives he could use 'for school'. quote:Growing up would be just saving up enough money or buying a cheaper comp. Acting like an adult vs. actually being one aren't the same.
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Sep 5, 2018 01:30
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StormDrain posted:So Mom also doesn't have $1,600 on hand for a laptop, nor access to any other cheap line of credit or maybe no trust in the kid to pay her back directly. Not to mention there are cheaper alternatives he could use 'for school'. No no, the mom has money, but he's worried that borrowing from her directly would be awkward and immature, so instead he's asking her to co-sign a personal loan at 15% interest
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Sep 5, 2018 01:40
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Vox Nihili posted:No no, the mom has money, but he's worried that borrowing from her directly would be awkward and immature, so instead he's asking her to co-sign a personal loan at 15% interest Haha I read that after I wrote my post. She should have refused that terrible request and been a parent. Or if she doesn’t want to teach him then refuse and be a stranger, poo poo he’s 21, figure it out.
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Sep 5, 2018 01:49
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Bwm: paying on full for your Tesla that definitely exists for realquote:You may have seen me complaining around the sub here and there, but I wanted to lay out my full story today on day 50. Here's my timeline:
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Sep 5, 2018 01:55
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If that's what it is like purchasing the car, then I don't want to know what it is like getting the car serviced.Vox Nihili posted:https://www.reddit.com/r/personalfinance/comments/9cyc0p/loan_amount_of_3k_but_i_only_need_1500_what_do_i/?sort=top Whoa, we need to know what this guy's hobbies are. We can't expect anyone to give him sound advice until we're playing with the full deck of cards here. CmdrRiker fucked around with this message at 02:09 on Sep 5, 2018 |
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Sep 5, 2018 02:03
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CmdrRiker posted:If that's what it is like purchasing the car, then I don't want to know what it is like getting the car serviced. The Tesla mock thread in YOSPOS has/had a former IT guy from Tesla telling about the IT stuff there. It's pretty horrifying even for someone who doesn't know a lot of the terminology.
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Sep 5, 2018 02:21
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How is the Tesla 100% paid off AND has a second payment coming up?
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Sep 5, 2018 03:04
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smackfu posted:How is the Tesla 100% paid off AND has a second payment coming up? He means that Tesla has received payment in full in anticipation of delivery, rather than a deposit. Presumably, making the payment required a loan, which he is now paying down on a monthly basis.
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Sep 5, 2018 03:06
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Vox Nihili posted:He means that Tesla has received payment in full in anticipation of delivery, rather than a deposit. Presumably, making the payment required a loan, which he is now paying down on a monthly basis. lmao
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Sep 5, 2018 03:10
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Vox Nihili posted:He means that Tesla has received payment in full in anticipation of delivery, rather than a deposit. Presumably, making the payment required a loan, which he is now paying down on a monthly basis. It's a kind of Kickstarter model, if Kickstarter had projects that cost north of $60k USD that you needed a bank loan to fund up front. I kind of wonder how they did it - I know they have their own financing partners - because usually banks want, you know, the actual car as collateral when the loan is fulfilled. Edit: Though we live in times where 19 year olds can get co-signed loans for $75k Ford Raptors on 84 month terms at 18% so maybe I'm overthinking this. Ixian fucked around with this message at 03:42 on Sep 5, 2018 |
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Sep 5, 2018 03:38
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CmdrRiker posted:Whoa, we need to know what this guy's hobbies are. We can't expect anyone to give him sound advice until we're playing with the full deck of cards here. Hobbies of the equestrian kind, more than likely.
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Sep 5, 2018 04:04
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Jan posted:Hobbies of the equestrian kind, more than likely. 21 and Mac Pro tells me its photography.
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Sep 5, 2018 04:09
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StormDrain posted:21 and Mac Pro tells me its photography. iPad Pro, not Mac Pro. A Mac Pro would take up the entirety of that 3k loan and more. An iPad Pro for photography would definitely be BWM, though. 
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Sep 5, 2018 04:14
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Jan posted:iPad Pro, not Mac Pro. A Mac Pro would take up the entirety of that 3k loan and more. I can’t believe I missed that. Compared to a lot of stories it’s pretty small but the idiocy really delivers.
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Sep 5, 2018 04:39
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Man, tablets are so cheap, I don't see why a student would need to pay more than a hundred in that situation.
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Sep 5, 2018 04:39
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StormDrain posted:21 and Mac Pro tells me its meme making. Fixed it for you
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Sep 5, 2018 04:43
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Back in my day the kids used overpowered computers for ytmnds!
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Sep 5, 2018 05:02
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crazypeltast52 posted:Back in my day the kids used overpowered computers for ytmnds!
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Sep 5, 2018 05:05
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At least buy a macbook instead of a lovely tablet, god drat
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Sep 5, 2018 05:13
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Ixian posted:It's a kind of Kickstarter model, if Kickstarter had projects that cost north of $60k USD that you needed a bank loan to fund up front. The best one I've heard so far is "Car Citizen."
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Sep 5, 2018 08:19
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Vox Nihili posted:The best one I've heard so far is "Car Citizen." 
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Sep 5, 2018 09:37
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CmdrRiker posted:If that's what it is like purchasing the car, then I don't want to know what it is like getting the car serviced. They're not intended to be serviced, long-term. Tesla's all about the next new thing, no way they're going to stock spares for everything for decades like say BMW does for cars in the same price range. They're building a $60k disposable car.
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Sep 5, 2018 11:17
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Liquid Communism posted:They're not intended to be serviced, long-term. Tesla's all about the next new thing, no way they're going to stock spares for everything for decades like say BMW does for cars in the same price range. this is 100% not true
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Sep 5, 2018 11:25
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BMan posted:At least buy a macbook instead of a lovely tablet, god drat That's what I don't get. I have a iPad Pro. I have a quiet nice iPad Pro. It's drat near a laptop replacement. It didn't cost $1600. With a keyboard cover and AppleCare+ and tax it didn't even hit $1000. Maybe he's talking Canuck Bucks.
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Sep 5, 2018 12:40
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Krispy Wafer posted:That's what I don't get. I have a iPad Pro. I have a quiet nice iPad Pro. It's drat near a laptop replacement. It didn't cost $1600. With a keyboard cover and AppleCare+ and tax it didn't even hit $1000. A fully maxed out iPad Pro 12.9 w/ 512 gb storage and cellular connectivity + AppleCare + the pencil + the smart keyboard cover + tax where I live comes out to almost $1800. I'm an Apple fanboy but dropping almost $2k on an iPad pro setup is retarded in like 30 different ways.
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Sep 5, 2018 12:47
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Vox Nihili posted:The best one I've heard so far is "Car Citizen." Perfect
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Sep 5, 2018 12:50
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DJCobol posted:A fully maxed out iPad Pro 12.9 w/ 512 gb storage and cellular connectivity + AppleCare + the pencil + the smart keyboard cover + tax where I live comes out to almost $1800. I'm an Apple fanboy but dropping almost $2k on an iPad pro setup is retarded in like 30 different ways. Yes, you can spend an absolutely incredible amount of money on Apple gear, but that last $600 dollars was for 5% more utility and probably represented 25% less functionality that he could have gotten with a MacBook that cost 70% of what he spent. He was 50% more stupid putting him in the 90th percentile of dumb.
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Sep 5, 2018 13:02
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Krispy Wafer posted:Yes, you can spend an absolutely incredible amount of money on Apple gear, but that last $600 dollars was for 5% more utility and probably represented 25% less functionality that he could have gotten with a MacBook that cost 70% of what he spent. But how else is he going to host sales parties on Facebook to sell Scentsy, LulaRoe, and Younique?
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Sep 5, 2018 13:36
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quote:There’s nothing wrong with having no credit. It makes some things harder, but keeps you from spending money you don’t have. If you don’t have it, don’t spend it anyway. We’ve been sold to think we need credit and the cards nowadays, that’s true. Someone else said they add a layer of abstraction and I like that phrase; the truth is, though, you don’t need that layer. Budget responsibly and within your means, and always have enough savings on hand to handle emergencies. Mild BWM by this threads standards, but  at this guy who thinks credit card rewards are only worth $100. I'll make sure to think of him from the $1400 hotel room I booked on points just this week or every time I book a flight on Southwest and get a second ticket for a companion free for the next two years.
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Sep 5, 2018 14:10
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Also extended warranty or accidental damage/loss protection through amex. Buy some nice pants and spill soup on them a month later? Annual fee just paid for itself.
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Sep 5, 2018 14:17
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My Aunt is in very deep with a MLM company called Juice Plus. Obviously, MLMs are BWM and I'm fairly sure she has lost money on it (she gives the family super positive email updates about making $2,000 a month in "sales" and "commitments" and not profit). She just paid some unknown amount of money to go to a convention for Juice Plus that was *EXCLUSIVE* for top purchasers. So, she paid money to go to a convention because she had already paid them a lot of money. She is not involved in politics or a news junkie at all. I'm pretty sure she has never voted and has definitely never given money to a political campaign. At one of the seminars she attended, the representative from Juice Plus gave a huge speech about how great the company is, what miraculous health benefits it has, how it has changed lives, etc. Then, they started talking about how all of these blessings are only able to change lives because of one amazing man - Senator Orrin Hatch from Utah. How he fought for the right to allow people to choose what to put into their bodies and protected vitamins from the processed food industry and government. In her latest update, my Aunt told us that she donated $500 to Orin Hatch's campaign. She lives nowhere near Utah and I'm 99% sure that she had no idea who he was before this.
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Sep 5, 2018 16:07
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