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Vox Nihili posted:Please expand on this in detail. It's a slow BWM day, after all. Paid Tinder lets you set your geolocation so you can start swiping in preparation of arriving to the city. Land somewhere with dates and activities already on the books.
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# ? Jan 11, 2019 23:46 |
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# ? Jun 8, 2024 06:43 |
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Murderball posted:Which gang tag would you like? I...I've never been cool enough to be in a gang, I wouldn't know where to begin
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# ? Jan 11, 2019 23:54 |
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Fhqwhgads posted:I...I've never been cool enough to be in a gang, I wouldn't know where to begin fish crew baby!
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# ? Jan 12, 2019 00:22 |
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Fhqwhgads posted:I...I've never been cool enough to be in a gang, I wouldn't know where to begin Build that truck equity. Murderball posted:Which gang tag would you like? If the bitcoin bird shop was worth one, I want to be a horse daddy
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# ? Jan 12, 2019 00:46 |
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Guest2553 posted:If the bitcoin bird shop was worth one, I want to be a horse daddy That was you? It made my wife and I laugh fairly hard.
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# ? Jan 12, 2019 00:50 |
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i thought this story might fit well with this thread. https://www.mmafighting.com/2019/1/11/18177542/jason-knight-explains-why-ufc-run-went-south-i-got-caught-up-in-the-lifestyle quote:Even during the worst stretch of his career, Jason Knight was ready for his next opportunity to prove himself inside the Octagon.
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# ? Jan 12, 2019 01:53 |
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H110Hawk posted:That was you? It made my wife and I laugh fairly hard. Blessings upon you.
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# ? Jan 12, 2019 02:32 |
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BonerGhost posted:Imagine, if you will: My God this is my kind of art right here. Please write a short story.
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# ? Jan 12, 2019 03:39 |
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https://www.theguardian.com/technology/2019/jan/11/experience-i-lost-1m-on-bitcoin Some choice quotes: quote:Bitcoin is a cryptocurrency, a type of electronic cash that allows people to spend or trade via a peer-to-peer network without the involvement of banks or other intermediaries. It is a cheap, efficient way of transferring funds or holding value, which can be converted back into sterling at any time. I had used it before to buy treatment online for my mother after she was diagnosed with cancer. I had also dabbled with investing in it in 2013, and made and lost some money: bitcoin is prone to sudden fluctuations in value. But the market seemed to have moved on, and I decided it could be a good way to make some profit on my savings.
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# ? Jan 12, 2019 20:07 |
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The shutdown is showing both the distressing number of Americans living paycheck to paycheck, and also those with no living expenses saved up. I know it’s a ridiculous situation not at all their fault and they should be getting paid, but still crazy how missing two weeks of pay immediately requires food banks to be set up for Coast Guard workers. With the low unemployment rates I wonder how many TSA workers are getting better gigs and not coming back.
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# ? Jan 12, 2019 20:17 |
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TraderStav posted:My God this is my kind of art right here. Sorry I only write Power Rangers slashfic Hyrax Attack! posted:The shutdown is showing both the distressing number of Americans living paycheck to paycheck, and also those with no living expenses saved up. I know it’s a ridiculous situation not at all their fault and they should be getting paid, but still crazy how missing two weeks of pay immediately requires food banks to be set up for Coast Guard workers. I'd be surprised if they're getting better permanent gigs, benefits in the public sector tend to suck. Leon Trotsky would know better, but I'm pretty sure fed benefits are still better than equivalent private sector jobs; I used to get like 18 days of vacation and insurance sucked, but good luck taking more than a week at a time unless you're on disability. BonerGhost fucked around with this message at 20:45 on Jan 12, 2019 |
# ? Jan 12, 2019 20:30 |
Hyrax Attack! posted:The shutdown is showing both the distressing number of Americans living paycheck to paycheck, and also those with no living expenses saved up. I know it’s a ridiculous situation not at all their fault and they should be getting paid, but still crazy how missing two weeks of pay immediately requires food banks to be set up for Coast Guard workers. Federal government pays far better on the low end than private. I’m still confused by some of the articles that came out in December about how people weren’t sure how’d they’d make their rent. I guess their normal plan is to pay it late.
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# ? Jan 12, 2019 20:59 |
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Hyrax Attack! posted:The shutdown is showing both the distressing number of Americans living paycheck to paycheck, and also those with no living expenses saved up. I know it’s a ridiculous situation not at all their fault and they should be getting paid, but still crazy how missing two weeks of pay immediately requires food banks to be set up for Coast Guard workers. Where are these articles about how the shutdown is affecting people? I want to read them. Also at the idea of the lazy, brain dead morons that make up the ranks of the TSA quitting and getting “better” jobs. They certainly won’t find one that pays $40k or whatever I thought I read the base pay of a new TSA employee, nor one that allows them to sit all day and do nothing, nor one that allows them to power trip and scold people.
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# ? Jan 12, 2019 21:18 |
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Cacafuego posted:Where are these articles about how the shutdown is affecting people? I want to read them. https://www.nytimes.com/2019/01/11/business/federal-shutdown-divide.html https://www.nytimes.com/2019/01/12/business/contractors-government-shutdown-effect.html?action=click&module=Top%20Stories&pgtype=Homepage TSA agents at SeaTac have always been alright, although I don’t fly much. They should be getting paid for their work, many support families.
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# ? Jan 12, 2019 21:46 |
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Hyrax Attack! posted:https://www.nytimes.com/2019/01/11/business/federal-shutdown-divide.html TY kind goon. No doubt, if you work, you should get paid. My point is that for the level of education and experience they have, TSA agents don’t really have opportunities to make more money elsewhere, not to mention the benefits they get.
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# ? Jan 12, 2019 21:51 |
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Harry posted:Federal government pays far better on the low end than private. I’m still confused by some of the articles that came out in December about how people weren’t sure how’d they’d make their rent. I guess their normal plan is to pay it late. The middle can be a bitch, though. If you're a GS7 you may very well make more money in the private sector as a contractor.
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# ? Jan 12, 2019 21:52 |
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Cyrano4747 posted:The middle can be a bitch, though. If you're a GS7 you may very well make more money in the private sector as a contractor. The top end is pretty sweet though. A few years ago I was at some interdepartmental conference. All the attendees were pushing for a change that would streamline a bunch of stuff and reduce layers of redundant work, but it was DOA once it hit some GS14/15s. They were the layers of redundancy, and that particular efficiency would have killed half of their jobs. I was later told that some variation of that idea gets floated every year but never makes it to the official minutes. BWM federal edition
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# ? Jan 12, 2019 23:18 |
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I want to sell my car back to the dealership, but ill be $20,000 in the hole. https://www.reddit.com/r/personalfinance/comments/afbpyt/i_want_to_sell_my_car_back_to_the_dealership_but/ OP posted:So i bought a vw golf r in August 2018. It was a total of $51,000 (yes, i hosed up). I bought this car after signing w/ for a new job that starts in Aug. 2019. They gave me a sign-on bonus of $25k, but after taxes, i received $16K. I used it to pay of fall my credit card debt, which was about $14K. So i only had $2k left. OP posted:I’ve only made 4 payments of $900 w/ 6.55% interest. He also thinks if he owes close to $51k, can sell the car for $31k, he can pay off the underwater part of the loan with $20k of the $31k he would get for the car. What in the proper gently caress? This needs to be attached to the dudes healthgrades.com profile. And he is paying 6.55% on a brand new car that he paid about $5-7k over MSPR, part of what I assume is dealer gap insurance and extended maintenance and sales tax. That all should have been a red flag... Oh not to mention buying a car that costs as much as your salary. Not OP posted:Do your taxes asap. You should get a portion back that was withheld on that bonus to tide you over until August. OP posted:How does that work by doing taxes sooner? I received the bonus back in dec 2018. ...Something something, America.txt..... SiGmA_X fucked around with this message at 00:27 on Jan 13, 2019 |
# ? Jan 13, 2019 00:21 |
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He seems to have no real awareness of how he goes himself in this situation so is going to keep spending like crazy once he starts his new job
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# ? Jan 13, 2019 00:36 |
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SiGmA_X posted:I want to sell my car back to the dealership, but ill be $20,000 in the hole. English might not be their first language. It's good to pay off your debt so you can just get saddled with more debt.
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# ? Jan 13, 2019 00:46 |
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CmdrRiker posted:English might not be their first language. Also, yes. Reddit posted:https://www.reddit.com/r/antiMLM/comments/af8b3e/blocked_by_a_hun_after_using_simple_maths/ quote:https://www.reddit.com/r/personalfinance/comments/afdj97/i_am_negative_110_dollars_a_month_and_dropping_i/ quote:I don't know what to do anymore, I am 29. I am the sole income in my house hold. I have two small kids (3yo and 1yo) and a wife. My wife(24) doesn't work and has no skills / resume to speak of she has been a house wife for the past 5 years.
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# ? Jan 13, 2019 03:17 |
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SiGmA_X posted:He connected getting a signing bonus and a job 12mo down the road with being able to afford the car, but the signing bonus actually went to paying off his credit card debt which is around a third of his gross income. Oh and he had a good reliable minivan. And he has horrid writing skills. The Sequoia is pretty reliable, but it's an SUV, not a minivan.
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# ? Jan 13, 2019 03:34 |
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WIfe not working is the main thing hurting them but daycare is expensive if both parents work, the biggest thing would be a better paying job.
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# ? Jan 13, 2019 03:35 |
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UCS Hellmaker posted:WIfe not working is the main thing hurting them but daycare is expensive if both parents work, the biggest thing would be a better paying job. It's super brutal. And that's pretty much the answer. This is when young families decide to go back to school and take out a bunch of student loan debt.
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# ? Jan 13, 2019 03:57 |
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Came here to post that. I’m on mobile, but has he responded to anyone saying to sell the cars?! Also, he said they were considering BK, but don’t list any other debt?
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# ? Jan 13, 2019 06:15 |
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Dude just doesn't make enough to support a family of 4 on his own. And his wife can't work because the jobs she'd qualify for as unskilled labor don't pay enough to offset the daycare for two kids (which can easily be $2K/mo at that age in a LCOL area). They're just turbofucked unless they can get some free childcare to let the parents work more.
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# ? Jan 13, 2019 09:01 |
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SlapActionJackson posted:Dude just doesn't make enough to support a family of 4 on his own. And his wife can't work because the jobs she'd qualify for as unskilled labor don't pay enough to offset the daycare for two kids (which can easily be $2K/mo at that age in a LCOL area). They're just turbofucked unless they can get some free childcare to let the parents work more. I saw a similar post from a friend who was venting / asking for help and the only honest answer for her to gain even the smallest amount of financial stability was for her to put her ~7 year old kid up for adoption. She can’t and won’t because that’s horrible, but in America there’s no way out of what these people are experiencing without some crazy luck streak. For this guy, it’s like, well, go back in time and don’t have two kids?
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# ? Jan 13, 2019 09:08 |
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Speaking of turbofucked, how do you help someone who won't help themselves? Not to get all E/N but I've sunk 10k AUD into my sister the last 6 months because she has mental issues and can't keep to a simple loving budget. The whole world is against her somehow. I recognise it's very BWM but I'm at the end of my tether (though not my savings/emergency funds yet) with the behaviour. I know the standard answer is going to be sever and I'm probably going to have to do this shortly since I'm not going to be able to help anyone if I gently caress my own finances up indulging in this poo poo. I see ads here for personal budgeting services, which as best I can tell is very BWM, but assuming I can get her to commit to one and cover the stupid fees, is this genuinely likely to help or is she just going to blow the spending money they allocate her anyway (but atleast her rent and bills will get paid? she can live on bread for a week and maybe learn something). This is in Australia.
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# ? Jan 13, 2019 09:09 |
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BurgerQuest posted:Speaking of turbofucked, how do you help someone who won't help themselves? Not to get all E/N but I've sunk 10k AUD into my sister the last 6 months because she has mental issues and can't keep to a simple loving budget. The whole world is against her somehow. She needs mental help, not budgeting help. The BWM is just a symptom of the underlying issues.
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# ? Jan 13, 2019 09:34 |
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You're right ofcourse. I probably needed to vent and I like this thread. Off to seek other advice.
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# ? Jan 13, 2019 10:01 |
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:truckequity: and all, but am I nuts, or have Ford dealers stopped selling regular F150s and are only selling Raptors now? I swear I see more and more every day. I just saw 2 parked in the same row at the store and another one drove by.
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# ? Jan 13, 2019 14:42 |
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8 year car loans. And wait another year you won't see as many raptors then, or many of the new vehicles that you've been noticing.
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# ? Jan 13, 2019 14:59 |
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Hyrax Attack! posted:The shutdown is showing both the distressing number of Americans living paycheck to paycheck, and also those with no living expenses saved up. I know it’s a ridiculous situation not at all their fault and they should be getting paid, but still crazy how missing two weeks of pay immediately requires food banks to be set up for Coast Guard workers. Yeah no poo poo. https://community.babycenter.com/post/a70779055/government-shutdown-emergency-fund?cpg=1 This lady's husband is a federal employee, she is a stay at home mom, they have 3 kids, 1 on the way, and they only had a $1000 emergency fund Later in the comments she said he missed one paycheck and she's already signed up for WIC and they went to a food bank.
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# ? Jan 13, 2019 15:40 |
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I used to be a pretty avid Dave Ramsey listener. Not for the advice, just for the BWM horror stories. Good to hear that his horribly irresponsible advice of saving only $1,000 while you enter a potentially years long process of a debt snowball is backfiring spectacularly.
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# ? Jan 13, 2019 16:18 |
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I would say that any debt over 7% interest is an emergency, and you should absolutely be raiding your emergency fund for it.
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# ? Jan 13, 2019 17:21 |
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GoGoGadgetChris posted:I would say that any debt over 7% interest is an emergency, and you should absolutely be raiding your emergency fund for it. I know you mean any debt, but Given how many people now have student loan debt (mostly at 7%) I would say this isn’t feasible. Like, obviously you have to have a strategy for paying it off, but an emergency fund and positive cash flow would be a more important priority than non dischargeable debt. I would definitely accept prioritizing debt payment over retirement investing though, although it depends on the situation.
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# ? Jan 13, 2019 19:02 |
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"reddit posted:As were now into 2019, I’m looking to fill up my TFSA(think roth IRA but ) with investments and in the past I’d had a person do it for me, but the $200 a trade does not seem worth it.
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# ? Jan 13, 2019 19:24 |
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I've never had a professional handle my investments, but that seems outlandish. Is that still too high if you're paying a professional to make the decisions for you?
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# ? Jan 13, 2019 19:35 |
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kimbo305 posted:The Sequoia is pretty reliable, but it's an SUV, not a minivan. CmdrRiker posted:I've never had a professional handle my investments, but that seems outlandish. Is that still too high if you're paying a professional to make the decisions for you?
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# ? Jan 13, 2019 20:03 |
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# ? Jun 8, 2024 06:43 |
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SiGmA_X posted:I'm guessing its a replacement for the annual AUM based fees. It feels really loving high. Depends a lot on the AUM, I guess.
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# ? Jan 13, 2019 20:10 |