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https://www.reddit.com/r/personalfinance/comments/a656ij/accepted_a_job_offer_and_misheard_salary/quote:Not sure where I should post this but I accepted a job at an amazing firm that I’ve always wanted to be at. Over the phone before the actual hiring process the recruiter gave me offer I knew was extremely reasonable due to this position being part of my previous experiences in the field. I realized just now at the direct deposit that I misheard the recruiter and my actual offer is $10,000 less. Any advice please? Should I speak up? later quote:I completed the process with the background check, and everything electronically through a different system they use so I think being over excited I signed each document and didn’t even overlook it. I know, very stupid mistake
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Dec 14, 2018 19:30
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FAUXTON posted:Eh that's probably a better deal than he could have gotten on his own, too bad about the payments though. Maybe pay it down ahead of time and sell once it puts him in the black? Yeah I have mixed feelings on this. On one hand it's lovely what his parents did, but on the other hand it seems like this is more of a inconvenience than a "you need to get a 2nd job" disaster. I still don't under stand the whole But yeah, short of having him throwing it back in his parent's face (and probably killing that relationship), I dont see any easy out besides paying it down and selling it.
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Dec 14, 2018 19:53
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Inept posted:Hey guys who wants to hear about how little my car depreciates?! quote:I gross about $115-125k a year, currently filing taxes as a single, non exempt. Surprised how nobody picked up on that not a single one of these supports each other.
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Dec 14, 2018 19:59
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OctaviusBeaver posted:https://www.reddit.com/r/personalfinance/comments/a656ij/accepted_a_job_offer_and_misheard_salary/ 50 vs 60? 150 vs 160?
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Dec 14, 2018 20:05
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Just lol if your compensation offer isn't written on a post it note, face down slid across the table during the interview
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Dec 14, 2018 20:07
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Murderball posted:Well then let's all reacquaint ourselves with the old one. It's a pro-click. An old favorite That was a pro click.
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Dec 14, 2018 21:28
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AndrewP posted:Kias actually aren't the shitboxes they used to be. Does seem like a high payment for a compact of any kind, though. I don't have a problem with the Kia Forte itself as a car, I'm sure they can be just fine. What I took issue with was a dude who has last half his earning power and 2 jobs in a span of 1-2 years deciding to buy a /brand new/ car period. And then this dude has 3 other cars, 2 of which are for his kids, one of those kids is 19... I would love to see the details of the rest of his cars because I'm guessing he hasn't made a sound purchase relative to his income...ever.
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Dec 14, 2018 22:13
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Duckman2008 posted:I deal with the general public everyday. The majority of people focus on two things: Today’s costs and monthly costs. Buying a $1,000 phone up front is mostly a no go. But hey, for $52 a month might as well get the bigger one and more storage space. The beauty of buying things outright is that you see the full cost immediately and are more inclined not to spend extra on the trimmings and such. If you can't afford it, you can't afford it and simply don't complete the purchase. Paying by installments essentially scams many less intellectual people who don't or can't calculate the total cost of the loan. This is why you always see people working on minimum wage with the latest iPhone and iWatch because it's only 80 bucks a month* despite the fact it represents a significant portion of their monthly/yearly disposable income. Phones are cool but not 25% of your yearly disposable income cool. *forever
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Dec 14, 2018 22:37
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GoGoGadgetChris posted:Just lol if your compensation offer isn't written on a post it note, face down slid across the table during the interview Mine was on a calculator and I thought it was that boobies joke at first JayKay posted:Yeah I have mixed feelings on this. On one hand it's lovely what his parents did, but on the other hand it seems like this is more of a inconvenience than a "you need to get a 2nd job" disaster. Yeah, I don't expect the guy to just bail on the payments (though it IS where BWM people post their "I want this and got it and agreed to pay for it but now I don't want to pay for it  " stories) but it's unlikely a refi (ON A CARRRRRR JFC WHY AM I CONSIDERING THIS) would be any better since it doesn't have that much paid off, assuming the parents would be on board with another bunch of paperwork. They might be miffed about him selling their totally amazing "gift" but the hell else can he do? Comedy option: they are claiming the car payments as a business expense and committing tax fraud. FAUXTON fucked around with this message at 22:56 on Dec 14, 2018 |
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Dec 14, 2018 22:48
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This article made me angry for reasons I don't completely understand: https://www.vox.com/the-goods/2018/12/12/18125668/best-products-casper-glossier-brooklinen In a nutshell, a broke millennial convinces a whoooooooole bunch of companies to let her use all the very best things for a week to write about how awesome it is to have all the super trendy vitamins, clothes, mattress, tampons, houseplants, condoms, meal kit service, and so on is. Well (spoiler alert?) it basically just made her sad, that she lives her day to day life without all these great things. I can kind of get it, I don't know anyone who hasn't wished they could afford something better than what they have, especially after sampling it. But then there are bits like the following...... quote:I rinse and dry off in my Parachute robe and feel very luxurious until I realize it’s the first day in a week that I haven’t had anything to drink. quote:I gently caress up my chicken taquitos from Sun Basket only once (it is physically impossible to get them to stay rolled up) and do not contract food poisoning even though I have little to no experience cooking raw meat. The whole thing is just a long list of expensive products that she never really claims are better than what she generally uses, but it's just so sad that she goes out with her friends to eat & drink daily and now can't afford $200 leggings. So in short, she's not broke or struggling, she's just a really spoiled child-woman who's enforcing every negative stereotype about young people, and now I am feeling stabby towards someone on the internet.
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Dec 14, 2018 23:04
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Tree law is the best law https://www.reddit.com/r/legaladvice/comments/a60fsq/neighbors_disfigured_my_trees_and_bushes_claim/ quote:I moved this month (Washington State) and my yard borders windows of the neighboring property. The neighbors yard is on the other side of their house so their kitchen and living room plus one of their upstairs bedrooms and, from what I can best ascertain, the window to a study, are pressed right against the dividing line property between the two yards (a small stone path.)
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Dec 14, 2018 23:05
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Someone in another thread pointed out that while tree law is basically all just one story, that’s fine because it’s a really loving good story.
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Dec 14, 2018 23:07
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Anything ever happened to that boulder guy? I was legitimately upset for him.
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Dec 14, 2018 23:30
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Subjunctive posted:Someone in another thread pointed out that while tree law is basically all just one story, that’s fine because it’s a really loving good story.
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Dec 14, 2018 23:32
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Dik Hz posted:I'm really skeptical of this one because it ticks all the boxes. Black walnuts, written confession, blocking a view. It's too perfect a story. It’s been a long week, so I’m just going to let it wash over me.
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Dec 14, 2018 23:35
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Dik Hz posted:I'm really skeptical of this one because it ticks all the boxes. Black walnuts, written confession, blocking a view. It's too perfect a story.
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Dec 14, 2018 23:38
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Is there ever a good reason to lease a car privately (as opposed to doing it for a business)? In Holland car loans aren't very common, but lately I've seen a bunch of offers for leases.
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Dec 14, 2018 23:46
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April posted:This article made me angry for reasons I don't completely understand: Yeeaahhh that's not how I read it at all. She's a journalist, for Vox, who did a piece on products that claim to be "the best" and are heavily marketed to millennials and whether or not they would actually make her life better. She got most of them, on loan and for free, as is pretty routine for this sort of thing. She admits to be unhappy before starting this experiment, and remains so when she's done because she doesn't see any way to experience the lifestyle that is being constantly marketed to her/millennials in general outside of this 8-day long experiment because it's expensive as gently caress. quote:The products, despite being worth thousands of dollars, have not managed to neutralize my bodily functions or my laziness about cleaning or the lingering guilt of ghosting. Tl;dr: capitalism bad Sirotan fucked around with this message at 23:58 on Dec 14, 2018 |
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Dec 14, 2018 23:55
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Cost and Worth are synonyms, right?
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Dec 15, 2018 00:54
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gizmojumpjet posted:Cost and Worth are synonyms, right? Some people go their entire lives believing this
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Dec 15, 2018 00:59
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Duckman2008 posted:
I deal with digital folks everyday who can't fathom that running everything on Amazon Web Services might be more expensive than buying the equipment yourself.
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Dec 15, 2018 01:29
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Sirotan posted:Yeeaahhh that's not how I read it at all. She's a journalist, for Vox, She’s a barely functional human being who doesn’t comprehend such basic tasks as “cooking” or “cleaning” and there’s a news organization who thinks a person so unfamiliar with human existence is qualifies to be a reporter. Stabby, indeed.
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Dec 15, 2018 01:29
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Non Serviam posted:Is there ever a good reason to lease a car privately (as opposed to doing it for a business)? In Holland car loans aren't very common, but lately I've seen a bunch of offers for leases. If you insist on having a new luxury brand car (BMW and Mercedes only bring the expensive models over, so they're luxury brands here) every 2-3 years, leasing is cheaper and simpler than buying. This is generally BWM, but that doesn't stop people from doing it.
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Dec 15, 2018 01:31
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“Oh no I can’t afford overpriced poo poo aimed at idiots! Woe is me!  “Cry me a loving river
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Dec 15, 2018 02:09
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I mentioned essential oils to a friend of mine as a joke. She’s a surgeon who sees people in the worst shape, and she told me at least twice a month she has someone come in with a bad infection relatively close to losing a foot or half a leg who rubbed essential oils on their wound and thought it would get better because the internet said so. These people, knowing they’re in bad shape and seeking a doctor’s assistance, then get mad when she tells them to take real medicine and stop using the essential oils. A guy who injected some into his Achilles today and might lose a leg because she told him mixing his saliva with lavender is not actual medicine, so he left. I used to think of these people as harmless morons losing all their money to scams, but wow. They and the scam artists peddling this poo poo are really putting people at severe risk.
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Dec 15, 2018 02:28
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I guess doctors really do hate them
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Dec 15, 2018 02:46
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Edit - wrong thread
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Dec 15, 2018 03:13
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Alan Smithee posted:I guess doctors really do hate them 
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Dec 15, 2018 03:21
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Wait people use essential oil for problems that are easily solved with cheap generic drugs? I thought they were just for inoperable brain cancers or for good luck to make people feel better, and fleece them.
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Dec 15, 2018 03:38
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Alan Smithee posted:I guess doctors really do hate them 
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Dec 15, 2018 04:33
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Alan Smithee posted:I guess doctors really do hate them 
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Dec 15, 2018 04:36
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Alan Smithee posted:I guess doctors really do hate them
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Dec 15, 2018 04:42
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Phanatic posted:She’s a barely functional human being who doesn’t comprehend such basic tasks as “cooking” or “cleaning” and there’s a news organization who thinks a person so unfamiliar with human existence is qualifies to be a reporter. I enjoy learning about the existence of such people, as not only do I feel better about myself in comparison, I also like to imagine them stumbling through life in an amusing, oblivious Mr. Magoo fashion, somehow always coming out on top against all odds.
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Dec 15, 2018 04:50
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Power of Pecota posted:What throws me is that you can see they're offering two options (one which seems much more appealing at face level) and then not immediately look into why those are the two numbers or at least compare the totals head to head. Not quite what I said. Not to really defend phone companies (carriers or manufacturers), but direct from the carrier (or apple payment plan) they don’t charge interest. However, they charge a setup fee (whether you do payment plan or not) and of course all companies are super focused on having you buy insurance, which you could argue is basically the same thing. My insurance goal on phones is suppose to be something crazy like 75% now. Crazy thing is it isn’t hard to hit that number now a days. Risky Bisquick posted:The beauty of buying things outright is that you see the full cost immediately and are more inclined not to spend extra on the trimmings and such. If you can't afford it, you can't afford it and simply don't complete the purchase. This is correct and s good observation. That being said, phone traffic is super down, people are certainly still buying phones, but it’s definitely not at the rate of 2-5 years ago. 50% phones last longer and there are a good number of people who really try to keep phones running till they completely die. The other 50% is probably people ordering online vs coming into the store. RIP my job long term. Duckman2008 fucked around with this message at 04:58 on Dec 15, 2018 |
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Dec 15, 2018 04:55
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yeah I eat rear end posted:They discovered long ago that catering to the ~tru gamerz~ doesn't make money, catering to the addicts and teenagers who stole their parents credit cards does. I'm still paying off debt from the ~15k I spent on maplestory/call of duty "loot crates" back in college on my credit cards.
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Dec 15, 2018 05:06
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Phanatic posted:She’s a barely functional human being who doesn’t comprehend such basic tasks as “cooking” or “cleaning” and there’s a news organization who thinks a person so unfamiliar with human existence is qualifies to be a reporter. my impression of it is that only peeps who can live like that on parental money can afford to be reporters without complete penury
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Dec 15, 2018 05:12
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bob dobbs is dead posted:my impression of it is that only peeps who can live like that on parental money can afford to be reporters without complete penury Journalists who work for real newspapers tend to be paid pretty well. But I suspect the only way to get that job is to be born rich and go to the "right" schools. Folks banging out "journalism" for the Atlantic* or Vox or whatever are neither paid well nor necessarily born into wealth, so goodness only knows how they survive. * The Atlantic used to be a very prestigious monthly magazine, but it got bought by some dotcom idiots in the 2000s and they fired the staff in order to "pivot to the web"
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Dec 15, 2018 20:09
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Notorious b.s.d. posted:Journalists who work for real newspapers tend to be paid pretty well. But I suspect the only way to get that job is to be born rich and go to the "right" schools. Vox unionized this year so probably do okay.
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Dec 15, 2018 20:19
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quote:
Impulse purchases ftl. quote:New job new car new scores quote:https://www.reddit.com/r/personalfinance/comments/9sipp1/finance_a_car_or_uber/ SiGmA_X fucked around with this message at 21:08 on Dec 15, 2018 |
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Dec 15, 2018 20:43
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SiGmA_X posted:Traded a owned-since-new 2016 Spark with 3yrs left for a 2016 Cruze with a $80 higher payment for 2yrs longer. And they don't even like the new car. Awesome deal! No, it's even stupider than that. They traded the Cruze back for a different used 2016 Spark, the same model they started with. quote:So after a very long time of a little back and forth, some crying because I was so distraught, I settled on another 2016 Chevy Spark - for 5 years, $80 more a month than what I was paying and at $20,000~ which is more than what I had financed back in 2016 new.
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Dec 15, 2018 21:00
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