|
Considering going all the way and going for a second bachelors, but have a question.quote:I owe about $39,000 in private loans which would be settled next month through Navient. I only have about $12,000 in federal loans which that will be on IBR plan next year. not the OP posted:WTH is your degree in? I never suggest going back for a second bachelors degree. Beyond the first 3 years of graduation no one cares what you graduated in, and honestly by the time you're 35 no one is going to care what you majored in. I work in IT, i have an english degree, my co worker has psych, and another has history. just go find a job. OP posted:Visual arts with a major in Game Art. Lol OPs further posts say that they want to go back for accounting, which is a valid major that can get them a good job, but goddamn, what a waste of time and money so far.
|
#
?
Dec 28, 2018 02:51
|
|
|
|
| # ? May 30, 2024 10:37 |
|
|
Way to bury the lede, Cacafuego: quote:I graduated in 2009 from Collins College. NONE OF THEIR CREDITS TRANSFERRED. They had bragged and sold lies to the students saying they are nationally accredited by an accreditation company. They are, but the credits do not transfer unless you go to University of Phoenix.
|
|
#
?
Dec 28, 2018 02:59
|
|
|
quote:I have 1 year of community college left to finish and ofcourse 2 years of (future university) to get my bachelors. So going all in will have me finish school in 2021, by that the time my eldest son will be 6 years old, and youngest will be 3. um, i'm not the best at math, but does this person have a newborn child? Also, they're unemployed right now and aren't going to work until they complete their 8th year of college and magically are given a 50k job from the 50k job faerie that comes around and puts checks under your pillow once you graduate. quote:The issue I have is that I do not know if essentially paying off $38,000 in student loans means I can re-borrow that amount for my bachelors. that is not the issue you have, sister.
|
|
#
?
Dec 28, 2018 03:20
|
|
|
Cacafuego posted:Considering going all the way and going for a second bachelors, but have a question. Spokes posted:um, i'm not the best at math, but does this person have a newborn child? Also, they're unemployed right now and aren't going to work until they complete their 8th year of college and magically are given a 50k job from the 50k job faerie that comes around and puts checks under your pillow once you graduate. What I want to know is why her husband can only make $24k a year. SiGmA_X fucked around with this message at 03:30 on Dec 28, 2018 |
|
#
?
Dec 28, 2018 03:21
|
|
|
Thanatosian posted:BWM runs in the family, apparently. Being brought up in the right socio-economic culture and experiencing that corresponding upbringing matter more than any other factors when determining success.
|
|
#
?
Dec 28, 2018 03:21
|
|
|
SiGmA_X posted:TBF ~$45-55k was the starting wage for an accountant when I graduated in 2014, and finding a job was easy... That said, I did work part to full time for all but one year of my time in college. quote:What I want to know is why her husband can only make $24k a year. i was curious about this as well! i looked at her reddit post history to see if there were any helpful details about their situation, and there are, and they're depressing. Apparently she is both trying to have another child and also leaving her husband (this is outside the scope of BWM but like, sometimes you just gotta know).
|
|
#
?
Dec 28, 2018 03:36
|
|
|
Spokes posted:i was curious about this as well! i looked at her reddit post history to see if there were any helpful details about their situation, and there are, and they're depressing. Apparently she is both trying to have another child and also leaving her husband (this is outside the scope of BWM but like, sometimes you just gotta know). Also, another one! Less BWM, more BWL. Also, I too hate Comcast. Comcast telling me I'm about to go over my data limit on my INTERNET and need to spend $50/mo more to get "Unlimited data" https://www.reddit.com/r/personalfinance/comments/aa62p1/comcast_telling_me_im_about_to_go_over_my_data/ quote:Correct sub for this? Anyways Comcast just called me and told me that I'm close to going over my monthly "data limit" for my internet. I thought that only pertains to phone contracts and 4g, etc. Since when does internet use data? Are they trying to pull one over on me? I can't really afford an extra $50/mo for internet.
|
|
#
?
Dec 28, 2018 03:55
|
|
|
Murderball posted:I'm a Patriots and Red Sox fan So, you're a Masshole, in other words.
|
|
#
?
Dec 28, 2018 06:31
|
|
|
therobit posted:A green bay packers fan
|
|
#
?
Dec 28, 2018 06:42
|
|
|
Spokes posted:i was curious about this as well! i looked at her reddit post history to see if there were any helpful details about their situation, and there are, and they're depressing. Apparently she is both trying to have another child and also leaving her husband (this is outside the scope of BWM but like, sometimes you just gotta know).
|
|
#
?
Dec 28, 2018 09:30
|
|
|
Thanatosian posted:I'm not sure that it is outside the scope. Though, I hope the inconsistencies indicate that she's making that poo poo up. Too bad for the kids if she's not. Yeah, why would she say after her shiny $50k job arrives they'd be making $75k gross if she's going to be leaving him? And on his warnings, not sure what she'd be able to expect in terms of alimony or child support (if applicable).
|
|
#
?
Dec 28, 2018 16:38
|
|
|
Alan Smithee posted:https://www.reddit.com/r/relationship_advice/comments/a9pkm2/i_29m_just_spent_another_awkward_holiday_with_my/ Reading the top comment, quote:I'd also wager they're also probably not as wealthy as they want you to think they are. That's probably likely. So many of the "rich" assholes I've encountered like the ones in that story are more often than not, floating everything on credit and are one bad day away from losing it all.
|
|
#
?
Dec 28, 2018 19:19
|
|
|
Handsome Ralph posted:Reading the top comment, Anyone pulling the "keep your POOR PERSON CAR behind the house where the neighbors can't see" is almost certainly someone who has a near negative net worth and a whole lot of debt. Having previously worked for a truly wealthy person, I used to see this same behavior in his associates/aspirational friends. Especially with the cars. It's always the cars. Have to have the latest. Especially if it was something he bought - all of these glom ons had to go buy a Lexus when he finally gave up his 15 year old Corolla and bought one. (More often than not he still just drove around in the 10 year old farm pickup).
|
|
#
?
Dec 28, 2018 19:33
|
|
|
warren buffet drove a vw bug for like decades zuck drives an acura ingvar kamprad drove a volvo before he got too old to drive ballmer drives a ford fusion they do drive new, tho, i guess
|
|
#
?
Dec 28, 2018 19:41
|
|
|
bob dobbs is dead posted:warren buffet drove a vw bug for like decades Sam Walton did the "drive an old pickup forever" thing as well.
|
|
#
?
Dec 28, 2018 20:58
|
|
|
How often do these guys drive themselves around in their economy boxes? I got to imagine they keep one parked at the mansion for the image but primarily get carted around by teams of security and drivers.
|
|
#
?
Dec 28, 2018 21:01
|
|
|
GoGoGadgetChris posted:How often do these guys drive themselves around in their economy boxes? I got to imagine they keep one parked at the mansion for the image but primarily get carted around by teams of security and drivers. Warren drives himself to the office every morning and gets breakfast on the way at McDonald's. He pays for one of three breakfasts in exact change depending on how prosperous he feels. https://www.cnbc.com/2018/04/18/warren-buffett-buys-breakfast-from-mcdonalds-for-under-3-point-17.html
|
|
#
?
Dec 28, 2018 21:08
|
|
|
Most rich people don't go around with security in their day to day lives, I imagine.
|
|
#
?
Dec 28, 2018 21:14
|
|
|
100 HOGS AGREE posted:Most rich people don't go around with security in their day to day lives, I imagine. Billionaires literally do! And they're who I'm talking about.
|
|
#
?
Dec 28, 2018 21:16
|
|
|
CannonFodder posted:Sam Walton did the "drive an old pickup forever" thing as well. Ross Perot drove an older Lincoln. Counterpoint to all of them, Steve Jobs drove an exotic sports car that he refused to put license plates on.
|
|
#
?
Dec 28, 2018 21:19
|
|
|
Buffett has fences and cameras at his 650k house, but doesn't need security for the 5 minute commute between his home and the Berkshire Hathaway offices in Omaha. Omaha is a relatively big Midwestern city but I imagine it's awfully safe in the nicer parts of town.
|
|
#
?
Dec 28, 2018 21:19
|
|
|
Krispy Wafer posted:Ross Perot drove an older Lincoln. Worse, Jobs actually bought (by trade) and daily drove a new sports car every 6 months so he would never have to register the cars in California. Elizabeth Holmes picked up the same quirk when she was the CEO at Theranos.
|
|
#
?
Dec 28, 2018 21:20
|
|
|
GoGoGadgetChris posted:Billionaires literally do! And they're who I'm talking about. I suspect at least in the case of Warren Buffett, he's old enough and set in his ways enough that he doesn't want any of that in a direct way. No drivers/handlers/flanking-body-guards. Not to mention there's like 6 people in Nebraska, one of which is him. In reality, I wouldn't be surprised if he's got security but they keep their distance and more discreet as opposed to a bullshit nobody rapper with "his crew." EDIT: discreet, not discrete
|
|
#
?
Dec 28, 2018 21:20
|
|
|
I know a billionaire personally and he drives himself and his family around, lives in a pretty big but not palatial house, and flies commercial most of the time. The reason is primarily according to him that private security is expensive, generally a pain in the rear end to book and manage and attracts more attention than it is worth.
|
|
#
?
Dec 28, 2018 21:21
|
|
|
It helps that Buffett's kids are grown and he's a widower. There aren't a lot of people you can snatch from him for ransom and kidnapping an 88 year old is only going to get you so far. His sons aren't even that much of a target because he's not leaving his fortune to them.
|
|
#
?
Dec 28, 2018 21:40
|
|
|
EAT FASTER!!!!!! posted:Warren drives himself to the office every morning and gets breakfast on the way at McDonald's. He pays for one of three breakfasts in exact change depending on how prosperous he feels. Venerate the thrifty entrepreneur, but also extremely traditional gender roles, I guess.
|
|
#
?
Dec 28, 2018 21:43
|
|
|
Berkshire pays something like a half million a year for Buffets security. I assume he has a tail, but I could be wrong. E: also I'm jealous of his 5min commute...
|
|
#
?
Dec 28, 2018 21:48
|
|
|
kimbo305 posted:Venerate the thrifty entrepreneur, but also extremely traditional gender roles, I guess. In the HBO biopic it's all but openly acknowledged that Warren Buffett is on the autism spectrum and would have never been successful in life were it not for traditional gender stereotypes allowing him to find someone who could help him function in normal waking life. He openly acknowledges these shortcomings, and states the "three most worthwhile investments he's made" to be the two wedding rings for his first and second wives, and the house he owns in Omaha. I don't know that a normal functioning person should ever aspire to be what he is or have what he has.
|
|
#
?
Dec 28, 2018 21:48
|
|
|
EAT FASTER!!!!!! posted:Worse, Jobs actually bought (by trade) and daily drove a new sports car every 6 months so he would never have to register the cars in California. Elizabeth Holmes picked up the same quirk when she was the CEO at Theranos. Boy now that's a shock. This is a small personal BWM story, but I'm in the process of cleaning out my basement over the holidays and I come across my stash of old baseball and basketball cards. I didn't count, but my guess is that I have around 3,000 cards bought between 88 and 93 or so. All of them are worthless, literally. What few places out there that still sell cards won't even look at cards from this era because they were so overproduced. I'm pretty sure I dropped a few hundred dollars on cards back then over that whole time period, and I would have been between 7-12, so it's not like I had lots of income to throw around. God I wish I had done anything else with that money.
|
|
#
?
Dec 28, 2018 22:10
|
|
|
Bird in a Blender posted:Boy now that's a shock. I'm executor for my mom's estate and we found a huge stash of silver coins that her mother had bought/collected since the 1980's. This included a complete 25 coin 'Treasures of the Caribbean' set from the Franklin Mint in a decorative case with a pile of CoA forms that retailed for $800 in 1989. I vowed to not let this poo poo go to another generation and sold it for less than the raw value of the silver. All the heirs will get more utilization out of the large 5 topping pizza they can now buy with their share of the proceeds. Collectibles are a fool's game.
|
|
#
?
Dec 28, 2018 22:21
|
|
|
Post that immortal Calvin and Hobbs comic where Hobbs asks how the comic books (baseball cards?) will be valuable if every kid is stuffing tons of them in the attic. "we're all counting on the other kids' moms to throw them out" I will say that the several hundreds of dollars of Legos that I had growing up have basically held their value if not gone up, but I still think having less stuff to lug around for 32 years would have been better.
|
|
#
?
Dec 28, 2018 22:25
|
|
|
Counterpoint: buffett flies private, and zuck also has a 1.3M Pagani. But yeah we're just like them!
|
|
#
?
Dec 28, 2018 23:04
|
|
|
Residency Evil posted:But yeah we're just like them! No one in this thread is saying this
|
|
#
?
Dec 28, 2018 23:08
|
|
|
Residency Evil posted:Counterpoint: buffett flies private, and zuck also has a 1.3M Pagani. if i just work harder, it'll be me
|
|
#
?
Dec 28, 2018 23:09
|
|
|
GoGoGadgetChris posted:I will say that the several hundreds of dollars of Legos that I had growing up have basically held their value if not gone up, but I still think having less stuff to lug around for 32 years would have been better.
|
|
#
?
Dec 28, 2018 23:10
|
|
|
KingSlime posted:No one in this thread is saying this No, but the implication is that these billionaires by being selectively thrifty are a great example of how you don't need a lot of stuff is a pile of poo poo; Warren Buffet owns Netjets, a subscription service for private jets, and it costs more for a single flight than his lifetime of McD's breakfasts paid for with loose change. Zuck's private security, including the follow cars (2 black SUVs) that his security uses so annoyed his neighbors in Palo Alto they passed a city ordinances banning them from idling at the curb outside his street - oh yeah, he doesn't just own a few houses there, he effectively privatized an entire street of houses - more than <x> minutes (in all fairness it wasn't just him; former Yahoo CEO Marissa Mayer also had security that did this, and so on). gently caress him and his Acura. Buffett isn't cleverly thrifty, he's a weirdo who's good with money and got very lucky, just like the rest of them. Don't venerate "good" billionaires; they all essentially won a special version of life's lottery and are otherwise just as nice/lovely/stupid/smart as everyone else.
|
|
#
?
Dec 28, 2018 23:18
|
|
|
Residency Evil posted:Counterpoint: buffett flies private I know one of his Netjet stewdaresses who often crews his personal flights. She calls him "Uncle Warren". Apparently he's a sweetheart and the staff loves him. Ixian posted:Warren Buffet owns Netjets, a subscription service for private jets, and it costs more for a single flight than his lifetime of McD's breakfasts paid for with loose change. ......which he started because he's trying to min/max one of his luxuries rather than just owning a private jet outright for himself (which he can clearly afford). I'm not disagreeing with you that the frugality on breakfast sandwiches is quite odd in comparison to this, just that it appears this is his robot mindset about anything whether it's cost is measured in pennies or dump truck loads of $100 bills.
|
|
#
?
Dec 28, 2018 23:34
|
|
|
Warren Buffett flies private because he's 88 years old and it's a luxury he can afford (also it's probably a business expense and his time is valuable enough to warrant it). Zuck is an rear end in a top hat who happens to like Acuras. There's a difference. Buffett is also donating almost all of his fortune to someone else's philanthropic organization. He could have created a Buffett foundation and lifted his legacy to that of Carnegie or Rockefeller (two names that don't fail spellcheck whereas Buffett does). But he didn't. I don't think he belongs in the same category as Zuckerberg (which also fails spellcheck).
|
|
#
?
Dec 28, 2018 23:46
|
|
|
Motronic posted:I know one of his Netjet stewdaresses who often crews his personal flights. She calls him "Uncle Warren". Apparently he's a sweetheart and the staff loves him. Not trying to argue with you either...but it has less to do with min/max'ing his own luxuries and more to do with it being a good investment, like anything else he does. Netjet, in spite of being a capital intensive business, has brought him great returns. Personally, because in addition to Berkshire he invested billions of his own in to it. Which begs the point of what exactly thrifty breakfasts, self-driving to the office, and relatively inexpensive houses have to do with anything other than the *appearance* of seeming thrifty so he can wag his finger (or rather, let the media wag it for him) at everyone lower on the ladder. Same with any other example, like Ballmer driving his dumb Ford Fusion around. He does it so he can show off how much he doesn't need to care. The interest payments alone on the dullest, safest investment portfolio he has would pay for a new Bentley every month. He makes a point of not doing that just to be a dick. This is a guy who owns a Gulfstream G650, a $60m+ jet. Which he flies around to Clippers games, the sports team he bought for $2b. His Ford Fusion has no relevance here. Super-rich people can be and usually are just as BWM as dirt poor, the only difference being some people are so wealthy money literally has no relevance.
|
|
#
?
Dec 28, 2018 23:48
|
|
|
|
| # ? May 30, 2024 10:37 |
|
|
Ixian posted:He does it so he can show off how much he doesn't need to care. I think I get where we're missing each other. I'm seeing "robot money making mindset" and you're seeing "image projection". I don't doubt there is a mix of this tilted one way or the other depending on who we're talking about specifically.
|
|
#
?
Dec 29, 2018 00:15
|
|