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Bird in a Blender posted:Yea, but sounds like even if VW bought the car back from him, he would still owe money. He mentions having negative equity on other car loans that were rolled into this one. Guy also sounds like he has no clue because of lines like this Weren't they buying them back at MSRP? Is that even available anymore? I don't know where he got his upside-down part, but the resale value on them plummeted after that scandal, so he could still be able to come out with a bit of money after the buyback. And then of course he'll buy something brand new rather than some $5k car that would be perfectly serviceable.
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Sep 24, 2018 21:21
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22 Eargesplitten posted:Weren't they buying them back at MSRP? Is that even available anymore? I don't know where he got his upside-down part, but the resale value on them plummeted after that scandal, so he could still be able to come out with a bit of money after the buyback. A friend of mine had a VW Golf TDI that she put like 60k+ miles on in less than 2 years, and had some body damage from road trips/camping. They ended up giving her MSRP minus like $2,000. She basically drove a brand new Golf TDI for less than $200 a month and beat it to poo poo and put hella miles on it. It was like the world's best lease. I dunno what they are doing now, but at least then it was a really good deal to sell it back regardless your circumstance.
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Sep 24, 2018 21:30
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Tomfoolery posted:A bad with money thread on some tech forum in australia: For stupid reasons I blew 10k on two people for two weeks in Australia just this year.
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Sep 24, 2018 23:40
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22 Eargesplitten posted:Weren't they buying them back at MSRP? Is that even available anymore? I don't know where he got his upside-down part, but the resale value on them plummeted after that scandal, so he could still be able to come out with a bit of money after the buyback. The buyback was/is an absolutely filthy good deal - it wasn't MSRP but it was very, very above the pre-scandal market value. I think you can still get it.
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Sep 24, 2018 23:45
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The way people are talking about getting into trades now reminds me of how people were talking about being a lawyer back when I was in high school. There's also the looming specter of automation. I feel like the thing to do is not to get the skills that are in-demand now, but to get the skills that are going to be in-demand 5-10 years from now.
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Sep 25, 2018 00:08
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Thanatosian posted:The way people are talking about getting into trades now reminds me of how people were talking about being a lawyer back when I was in high school. There's also the looming specter of automation. Somehow I think electrician, plumbers, and contractors will still be needed to service our robot overlords.
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Sep 25, 2018 00:17
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22 Eargesplitten posted:Weren't they buying them back at MSRP? Is that even available anymore? I don't know where he got his upside-down part, but the resale value on them plummeted after that scandal, so he could still be able to come out with a bit of money after the buyback. Which is made even sweater because he has another car according to his own admission. He in theory should get the buyback and work from there, without buying anything extra.
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Sep 25, 2018 00:17
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freeasinbeer posted:For stupid reasons I blew 10k on two people for two weeks in Australia just this year. What do you mean?
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Sep 25, 2018 00:17
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Thanatosian posted:The way people are talking about getting into trades now reminds me of how people were talking about being a lawyer back when I was in high school. There's also the looming specter of automation. automation is definitely more of a factory worker or white collar problem than a trades problem
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Sep 25, 2018 00:21
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Mortician my dudes. People might stop buying cars or refrigerators but they won't stop dying.
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Sep 25, 2018 00:26
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Midjack posted:Mortician my dudes. People might stop buying cars or refrigerators but they won't stop dying. You don't need a degree in mortuary science to push a cardboard casket into a furnace and hit 'ON'. The funeral business was supposed to be the next big thing what with Boomers all dying off, but the trend towards cremation and the ability to buy caskets, urns, and headstones online is taking a bite out of that business.
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Sep 25, 2018 00:32
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Oddly enough the funeral industry saw huge consolidation in the last couple decades, with a bunch of small operations being gobbled up by one or two publicly traded megacorps. Corpse corps, if you will
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Sep 25, 2018 00:37
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So much for my backup plan. 
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Sep 25, 2018 00:39
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Not all jobs can be automated, there is still a ton of jobs not being filled or trained for that require people with more specialized machining skills but don't need a mechanical engineer for. Along side that there is almost no one in most votecs that is going for machinist and mechanic training in my experience. Bwm side product is that most machinist I have worked with love to buy tons of expensive toys like 50k trucks or boats based on overtime and then go insane when the company hits a slowdown and they are back to a straight 40 hours.
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Sep 25, 2018 00:49
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At least here there’s a huge shortage of heavy machinery mechanics. I don’t really see robots fixing wheel loaders any time soon.
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Sep 25, 2018 01:20
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Midjack posted:Mortician my dudes. People might stop buying cars or refrigerators but they won't stop dying. Tough call.
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Sep 25, 2018 01:34
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UCS Hellmaker posted:Not all jobs can be automated, there is still a ton of jobs not being filled or trained for that require people with more specialized machining skills but don't need a mechanical engineer for. Along side that there is almost no one in most votecs that is going for machinist and mechanic training in my experience. I swear within the last year, I read about companies having a huge shortage of skilled machinists in that they really want to hire them and are paying good wages, but there are not enough American machinists available with skill and experience that can pass a piss test and have no criminal background, so they’re bringing in foreign workers.
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Sep 25, 2018 01:41
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They're in turdville, KS, where anyone worth a drat has already moved far away
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Sep 25, 2018 01:46
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Wolfy posted:Yeah, despite how rough 2007-201? was, the numbers show that a degree is going to typically put people in a more lucrative and stable career. The statistics don't apply to individuals because of self selection bias. For the most part only the best students are applying to medical school or pursuing more rigorous degrees that lead to better paying careers. Just because the average college graduate earns more than someone with high school only. Taken to the extreme this is how people justify overseas medical schools or pursuing unfunded PhD without a marketable career.
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Sep 25, 2018 01:54
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Been a while since we’ve taken a look at why some people aren't getting a security clearance. Some highlights from 2018 (http://ogc.osd.mil/doha/industrial/2018.html)quote:Between October and November 2014, the IRS filed tax liens against Applicant totaling over $500,000. Applicant testified that the liens are for past-due taxes. He admits to not timely filing income tax returns and paying his income taxes for four to five years. He claims to have reached out to the IRS to address and resolve his sizeable federal tax debt. He promised to present documentation reflecting his efforts to resolve the federal tax debt, but did not supply any such documentation. http://ogc.osd.mil/doha/industrial/2018/17-01291.h1.pdf Think $500k owed is a problem? Heck no, not when you could owe $1.7 million: quote:The SOR, as amended, identified 14 purportedly delinquent accounts that had been placed for collection or charged off, or filed as a tax lien or judgment, as generally reflected by Applicant’s 2015 credit report, his 2016 credit report, or his 2017 credit report. Those debts total approximately $1,709,759. The court concludes: quote:It appears that Applicant’s plan, according to his track record, was to simply dispute and ignore, or in at least one instance, litigate. When confronted with the issues that may have caused his financial problems, Applicant failed to act responsibly. Applicant’s actions under the circumstances continue to cast doubt on his current reliability, trustworthiness, and good judgment. http://ogc.osd.mil/doha/industrial/2018/16-03221.h1.pdf
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Sep 25, 2018 02:21
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quote:Applicant’s actions under the circumstances continue to cast doubt on his current reliability, trustworthiness, and good judgment.
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Sep 25, 2018 02:40
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Unemployment rates for college graduates are consistently several points below high school graduates. It does not mean they've got good jobs, but it means they're working and perhaps beating Joe-Schmo-with-a-GED out of a job. Hyrax Attack! posted:Think $500k owed is a problem? Heck no, not when you could owe $1.7 million: Whose more of a security risk? The guy who owes 55k in credit card debt or the fella who owes 1.7 million in taxes? The guy who owes 1.7 million is probably incorruptible because he just doesn't care and doesn't even have enough secret data to make treason worth his effort. Security access granted.
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Sep 25, 2018 02:48
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You can't just "get into the trades" as a union member. There has to be openings. Wait list can be years.
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Sep 25, 2018 02:50
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Hyrax Attack! posted:Been a while since we’ve taken a look at why some people aren't getting a security clearance. Some highlights from 2018 (http://ogc.osd.mil/doha/industrial/2018.html)  that second one is some straight up Burbank tracksuit mafia poo poo fuckin' guy has multiple busted-out lines of credit and he's applying for a security clearance like that isn't a huge goddamn problem
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Sep 25, 2018 03:02
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Krispy Wafer posted:Whose more of a security risk? The guy who owes 55k in credit card debt or the fella who owes 1.7 million in taxes? The guy who owes 1.7 million is probably incorruptible because he just doesn't care and doesn't even have enough secret data to make treason worth his effort. Ah yes, the old adage. "Owe the bank $50k, you have a problem. Owe the bank $50m, the bank has a problem."
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Sep 25, 2018 03:07
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Like it's not even the amount of debt carried (up to a certain point), if you make 200k and have 1M of liabilities of which 400k is your house, 200k is a HELOC, 200k is medical bills, 60k is student loans, and the rest are consumer stuff, and you've never missed a payment, you're going to get far better showing than someone with a $14k credit card they busted out to $65k and had charged off.
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Sep 25, 2018 03:17
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If you make $200k and have $600k of unsecured debt that is still really bad though
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Sep 25, 2018 03:31
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BEHOLD: MY CAPE posted:If you make $200k and have $600k of unsecured debt that is still really bad though Well yeah but they're able to at least say you're making appropriate payments on time. You'll still get docked for having shitloads of debt just hanging there because it indicates you've grown accustomed to living beyond your means - just not a total loving deadbeat.
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Sep 25, 2018 03:35
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Subjunctive posted:What do you mean? If there hadn’t been some complications and I would of bought hotels/flights in advance instead of day of, we could of seen more, done more and relaxed more for $4-6k total instead of $10k.
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Sep 25, 2018 03:44
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brugroffil posted:You can't just "get into the trades" as a union member. There has to be openings. Wait list can be years. It depends, but in general yes and it makes sense. Although it depends where you are, some trades are better than others. Example I work for some union pensions as an auditor. To take Electricians... They have likey 5 different types. Are you a journeyman inside wire ( commercial construction) congrats you make $50 an hour as a journeyman. Oh you ended up in Sound and Comms. journeyman make like $20 an hour there same for residential. Admittedly the Union covers you with retirement and Healthcare fringes, but you aren't making as much as a fair number of white collar guys without overtime. Beats the hell out of retail or warehouse work I figure. Jack2142 fucked around with this message at 03:46 on Sep 25, 2018 |
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Sep 25, 2018 03:44
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Jack2142 posted:It depends, but in general yes and it makes sense. Although it depends where you are, some trades are better than others. Oh I am pro union, sorry if that came off as an attack. Much of my wife's family comes from blue collar union background and made good wages. I'm just saying "go into the trades!" isn't necessarily a magic bullet because entrance is constrained. My friend's brother had to wait two years and work crap jobs like jiffy lube until there was an opening in the pipefitters school.
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Sep 25, 2018 03:51
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Krispy Wafer posted:I took my kid to a birthday party and the moment I walked in I got the same feeling as a teenage hitchhiker the moment she realizes the passenger side door has no inside door handle. Disney stuff EVERYWHERE! poo poo on the wall, poo poo bursting out multiple curio cabinets, and Disney lawn decorations. The most inane merchandise, like creepy stuffed white Mickey and Minnie dolls in wedding attire. The husband just sat there watching sports until he had to leave for a weeklong business in the middle of his kid's birthday. Who leaves for a business trip on a Saturday unless it's a cry for help. There is a great old thread in A/T by a woman who worked these sorts of parties as a Not-Disney princess for a long time. Here's a gizmodo link that has links to the thread as well https://io9.gizmodo.com/5939890/what-its-like-to-work-as-a-professional-party-princess--with-illustrations
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Sep 25, 2018 03:56
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Cacafuego posted:I swear within the last year, I read about companies having a huge shortage of skilled machinists in that they really want to hire them and are paying good wages, but there are not enough American machinists available with skill and experience that can pass a piss test and have no criminal background, so they’re bringing in foreign workers. Where I'm at they never would bring in foreign workers in this area. Mainly because racism is rampant in the machining world but also because there's a huge gulf of difference between a setup and production skilled machinist and people are desperate for setup people. Which is also something that no votec trains for!
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Sep 25, 2018 04:16
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UCS Hellmaker posted:Which is also something that no votec trains for! Gee, maybe the companies shouldn't have gotten rid of their apprenticeships, huh. Train our operators into setup guys? Hell no! He'll just get poached by a company offering a better work environment!
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Sep 25, 2018 04:34
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FrozenVent posted:At least here there’s a huge shortage of heavy machinery mechanics. I don’t really see robots fixing wheel loaders any time soon. heavy machinery mechanics are probably also gonna be the ones to fix the robots
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Sep 25, 2018 05:19
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Also with Global Warming creating more killer hurricanes and floods and whatnot, I'd figure there will still continue to be demand for lucrative trade work involving restoring power/water/roads for some time. Going into trades isn't necessarily a magic 'get a good job' button, no, but there is definitely a subset of families that seem to poison the idea of their kids doing anything physical or 'low class', and treat vocational careers as something people do when they aren't smart enough to go to college. So there are going to be some young people who might have it be an option they never bother to consider. Likewise there are also the people that like smoking weed more than passing a piss test to get and keep an $80,000/year job, everybody's priorities are different. Then there are the BWM people that think going into the trades means getting lots of student loans for some sketchy WyoTech type school and working at Jiffy Lube.
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Sep 25, 2018 05:39
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Every job can and will be automated. If you’re young it would be gwm to work in a field that is tougher to automate and perhaps get a lifelong career out of. As I see it, that’s Arts, health, sex. Industries that are complicated or where users have a bias towards human providers. I want to see a real orchestra of people, comedy by a person, hear live singers. I want a compassionate doctor to lay out my options if I have a difficult prognosis. Most people would choose the sex robot since it’s much cheaper but some will demand true flesh.
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Sep 25, 2018 07:08
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Those are weird choices for supposedly future-proof jobs. Huge amounts of healthcare are ripe for automation - even if we don't automate diagnoses or bad news any time soon (better safe than sorry), all the physical stuff from moving obese patients to keyhole surgery seems like it would be great to let robots handle, and it's practically going to be required to deal with the aging population; why offer to pay enough to actually hire dozens of fussy human employees when you can buy a few robots that work 24/7 and a nice corrupt maintenance contract? (See also in Australia right now where the government is just discovering that nursing homes can be really awful places with literally abusive people working there.) And who goes to the orchestra anymore? Seriously - audiences dropped 10.5% from 2010 to 2014 alone (e.g. page 4)and those who do are getting older, plus virtually no orchestra is financially viable by itself. I'm not going to get into the sex robots.
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Sep 25, 2018 07:53
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MisterOblivious posted:Gee, maybe the companies shouldn't have gotten rid of their apprenticeships, huh. Train our operators into setup guys? Hell no! He'll just get poached by a company offering a better work environment! Hah, I hear that all the time at work. It's everybody saying that it's somebody else's responibility, and worst case scernario being that management will still get their bonuses, so... 
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Sep 25, 2018 08:37
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freeasinbeer posted:If there hadn’t been some complications and I would of bought hotels/flights in advance instead of day of, we could of seen more, done more and relaxed more for $4-6k total instead of $10k. Hmm, please say more.
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Sep 25, 2018 08:40
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