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also I thought for sure that BitCoin was the reason for all the new posts today:  down another 10% today 
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Nov 21, 2018 00:01
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Haifisch posted:People who are used to always having a new car have imagined horrors about older cars to help justify it to themselves. Also they probably don't keep up on maintenance so their cars start making GBS threads the bed after a few years anyway. That's absolutely true. There are a large portion of people who think that, even in modern cars, 100k miles is like, ready to fall apart like in a cartoon. Meanwhile I'll continue driving my 10+ year old cars that I actually maintain so they are reliable.
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Nov 21, 2018 00:14
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Yond Cassius posted:According to the page some lawyers put together to sue them, OptionSellers customers aren't just broke, they're facing a margin call. Update on the OptionSellers collapse: the story has made it to the Wall Street Journal. One investor's account involves going "from having about $470,000 invested with OptionSellers.com to being roughly $150,000 in debt". Best comment of the WSJ: "I hear the investors over at OptionBuyers.com made a killing."
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Nov 21, 2018 01:03
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Apparently the LulaRoe empire is starting to collapse? https://amp.businessinsider.com/lularoe-legging-empire-mounting-debt-top-sellers-flee-2018-11 I'm excited for all the #BossMoms pissing and moaning like the CryptoTurds on Twitter.
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Nov 21, 2018 01:22
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Lockback posted:My mom had this exact conversation with that almost word-for-word "You always have a car payment, so why not trade up?" and when I said "What about my 2015 Mazda 3 that I paid off a year ago" she said that shows that that car is not safe ???? Boomers_financially.txt This is my mom. She has an Accord that’s only two or three years old, that she got by trading in a previous Accord that was five years old at most. We just had a second baby, and she’s already talking about buying an SUV to have more space the one or two weeks a year we visit. We’re currently making due in a Fit with dual car seats in the back. It sucks to have long legs and ride in the front passenger seat, but It’s paid off, runs well, and we can easily get another 5+ years out of it. EPICAC fucked around with this message at 01:45 on Nov 21, 2018 |
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Nov 21, 2018 01:43
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EPICAC posted:This is my mom. She has an Accord that’s only two or three years old, that she got by trading in a previous Accord that was five years old at most. We just had a second baby, and she’s already talking about buying an SUV to have more space the one or two weeks a year we visit. Why do people think a baby, the smallest possible form of human, requires the largest form of car? Blows my mind. Car seats fit just fine in the back of a sedan.
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Nov 21, 2018 01:48
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GoGoGadgetChris posted:Why do people think a baby, the smallest possible form of human, requires the largest form of car? Blows my mind. Car seats fit just fine in the back of a sedan. Rear facing car seats don't once you get beyond the infant sized ones, and even some of the infant sized ones require you to move the passenger seat up quite a bit. If you have two kids under 3 even a mid-sized sedan won't work so well unless the driver is short and not fat. therobit fucked around with this message at 02:18 on Nov 21, 2018 |
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Nov 21, 2018 02:11
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You need to leave at least two wingspans of space between all the children you produce so minivan it is.
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Nov 21, 2018 02:13
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GoGoGadgetChris posted:New car smell is absolutely worth the 15% premium on a brand new car. https://arstechnica.com/cars/2018/11/chinese-customers-hate-new-car-smell-so-ford-files-a-patent-to-bake-it-out/
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Nov 21, 2018 02:39
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therobit posted:Rear facing car seats don't once you get beyond the infant sized ones, and even some of the infant sized ones require you to move the passenger seat up quite a bit. If you have two kids under 3 even a mid-sized sedan won't work so well unless the driver is short and not fat. FWIW some popular toddler-sized rear facing or convertible brands will fit in a Prius (unless you’re like 6’4”). For some seats can also get an (approved) wedge that gets you a few more inches. There’s a billion YouTube car seat fit reviews that cover most popular cars and seat brands. Even the expensive bourgeoisie brands are cheaper than a new truck.
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Nov 21, 2018 02:41
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MisterOblivious posted:https://arstechnica.com/cars/2018/11/chinese-customers-hate-new-car-smell-so-ford-files-a-patent-to-bake-it-out/ This is very interesting, but what alternative do they have? Used cars literally always smell like stale farts.
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Nov 21, 2018 02:41
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If the value of the dollar is cut in half I am largely insulated because my investments are entirely in nickels
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Nov 21, 2018 02:49
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I have a car
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Nov 21, 2018 02:49
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Murderball posted:I have a car M....mods???
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Nov 21, 2018 02:54
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Murderball posted:I have a car https://www.youtube.com/watch?v=spo1jK4CCEU User loses posting privileges for 6 hours
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Nov 21, 2018 03:07
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GoGoGadgetChris posted:This is very interesting, but what alternative do they have? Used cars literally always smell like stale farts. My farts
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Nov 21, 2018 03:07
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PCjr sidecar posted:FWIW some popular toddler-sized rear facing or convertible brands will fit in a Prius (unless you’re like 6’4”). For some seats can also get an (approved) wedge that gets you a few more inches. There’s a billion YouTube car seat fit reviews that cover most popular cars and seat brands. Thankfully my kids were timed such that we only had one rear facing at a time, we just made the front passenger miserable because we were poor and could not afford a newer car or a more expensive car seat back when my second kid was born. I definitely understand why someone would decide they wanted the extra space though.
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Nov 21, 2018 03:16
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therobit posted:Thankfully my kids were timed such that we only had one rear facing at a time, we just made the front passenger miserable because we were poor and could not afford a newer car or a more expensive car seat back when my second kid was born. I definitely understand why someone would decide they wanted the extra space though.
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Nov 21, 2018 03:19
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DebtUnexpected School Loan Debt (self.personalfinance)quote:Total disclosure, this is completely my fault and I accept that, but I was wondering if anyone had any advice for this situation.
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Nov 21, 2018 04:05
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I saw a billboard for this and thought y’all might enjoy this intersection of gambling, horses, and reasons to own a truck (a trailer).
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Nov 21, 2018 04:26
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therobit posted:DebtUnexpected School Loan Debt (self.personalfinance) Love how dad here is apparently completely nonchalant or unaware re: his own credit getting destroyed here.
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Nov 21, 2018 04:33
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Krispy Wafer posted:Boomers grew up watching their parents' cars poo poo the bed at 80k miles and their own cars barely making 100k. Cars are exponentially more reliable today, but like casual racism, cars dying after 5 years is a tough idea for older people to dismiss. Well I have no idea at how some people have so many miles on their new cars. LT2012 said that a 2014 Ford a co-worker used had over 90,000 miles on it. Driving over 300 miles a week seems like torture to me.
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Nov 21, 2018 04:41
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Bad with Christmas Money, you say?quote:Wife and I have been married 10 years, we have two kids 5 and 3. Wife is a good person but has no concept of money, budgeting and spending. I've gotten her following a pretty decent budget but she comes and blows her was during Xmas. https://www.reddit.com/r/relationship_advice/comments/9xvq3w/every_year_my_wife_has_spent_upwards_of_1500_on/ In the comments he says his wife spends $10k on Christmas presents.
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Nov 21, 2018 04:45
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I love this thread but it makes me so mad at Americans in a way that even politics doesn’t.
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Nov 21, 2018 04:52
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Ur Getting Fatter posted:I love this thread but it makes me so mad at Americans in a way that even politics doesn’t. You clearly don't politics very hard. Good for you, honestly.
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Nov 21, 2018 04:53
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All these posts like "I love my husband/wife and theyre a great person except for this absolutely insane poo poo that they do that evidently I can't talk to them about and won't be reasoned with" confound me
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Nov 21, 2018 04:55
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TitleMax "get money for Christmas!" ads are depressing 
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Nov 21, 2018 04:58
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brugroffil posted:TitleMax "get money for Christmas!" ads are depressing Agreed. They should just be getting a stress free holiday loan from their local credit union. 
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Nov 21, 2018 05:07
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Is like 8.25% good for a credit card? I rarely carry a balance anyway so I never cared to find out how much I'd pay to, uh, not pay.
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Nov 21, 2018 05:14
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Thanatosian posted:I wonder what percentage of American consumer debt can be attributed to Christmas? Delinquency rates on consumer loans (and CCs I would guess, although I don’t have direct experience in that segment) do go up in Q4. Noticeably and predictably. They come down later in the year (particularly around tax refund time). There’s also an observable uptick in consumer debt reported in Q4 that then drops off in the following quarters. Both of which are usually attributed to the holiday season.
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Nov 21, 2018 05:19
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Vox Nihili posted:Love how dad here is apparently completely nonchalant or unaware re: his own credit getting destroyed here. A lot of people who co-sign loans for their children or grandchildren have no idea that it will actually affect their credit or that they will be legally responsible for the debt if the primary borrower doesn't pay. Then they bitch about how it wasn't their fault when they get declined for a loan or get a higher loan rate because their credit is trashed. Never co-sign. Take out loans for your kid's education if you have to, but never co-sign.
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Nov 21, 2018 05:25
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GoGoGadgetChris posted:Why do people think a baby, the smallest possible form of human, requires the largest form of car? Blows my mind. Car seats fit just fine in the back of a sedan. Why do 60+ year old women buy SUVs to transport only themselves around town? A combination of fashion and compensation, imo.
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Nov 21, 2018 06:28
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GoGoGadgetChris posted:Why do people think a baby, the smallest possible form of human, requires the largest form of car? Blows my mind. Car seats fit just fine in the back of a sedan. Babies are not loose cargo like soil or rocks, their more like a shipment that comes in too much packaging. All that stuff is a lot easier to deal with when it’s up higher, and the more vertical sitting position means a large child’s car seat doesn’t impact your comfort up front. You’re also often dealing with the extra stuff to bring for a kid, like a stroller and bags or toys or whatever. So if your choice is between equal priced suvs and sedans, the suv is a more practical choice. Most SUVs aren’t even that much bigger than the equivalent sedans, just taller.
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Nov 21, 2018 06:42
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FAUXTON posted:Is like 8.25% good for a credit card? Higher is always better. Just likes grades in school or points in football. Real talk: most CC’s are 15-25% from what I’ve seen. If you get a really garbage card it’s 30+%. Anything below 10 is unheard of in my limited and anecdotal experience. That excludes the intro balance transfer offers of 0%.
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Nov 21, 2018 08:03
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Dick Nipples posted:Higher is always better. Just likes grades in school or points in football. Most commercial banks are gonna have credit cards in the 24-29% range, MAYBE 22% if you have perfect credit and a mortgage through the same bank. My credit union has a master card in the 9.49 - 14.49% range, as contrast.
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Nov 21, 2018 08:12
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It all depends on your credit profile with banks and credit card companies. Credit unions do tend to have lower floor rates, and if your credit isn't perfect you might get a lower rate there since they also don't tend to go up as high, but they also tend to have tighter underwriting requirements. If you have really bad credit you don't generally have much of a choice, as anyone who will write credit for you is going to charge more. If you have good credit you can get rates between 8 and 10 percent from credit unions and banks.
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Nov 21, 2018 08:29
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This is an employee card from a big CC bank, presumably that's why the rate is prime+3.
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Nov 21, 2018 09:00
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FAUXTON posted:This is an employee card from a big CC bank, presumably that's why the rate is prime+3. Ahh, OK that explains it. Employees always get better rates then the public, it's part of the benefits package. When I worked at Wells Fargo we could apply for a Visa with 4.95%.
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Nov 21, 2018 09:09
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Did that guy say 10 grand a year on Christmas presents holy poo poo balls
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Nov 21, 2018 09:22
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BigDave posted:Ahh, OK that explains it. Employees always get better rates then the public, it's part of the benefits package. That's impressive even with the "lol wells fargo" factor. we joke about sending our de-risked clients to WF, because wells don't give a fuuuuuck
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Nov 21, 2018 09:36
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