|
MF_James posted:What the gently caress is wrong with both these people. dad clearly needed to buy drugs in a hurry neighbor has no responsibility at all to care for the kids, and it's arguably better not to let the kids in. completely sucks for the traumatic experience the kids have to endure because of their horrible negligent father but at the same time you don't want to be having some kind of panic attack before the police show up trying to investigate why there are upset children in your home who you are not in any way related to. like for someone not having a nervous breakdown maybe just sit outside with the kids and keep an eye on them until the cops arrive
|
#
?
Aug 20, 2019 16:07
|
|
|
|
| # ? May 14, 2024 01:11 |
|
|
You're really rolling them bones dumping your kids on a neurotic neighbour you don't know well, sometimes it comes up snake eyes. So he's going to burn her house down right?
|
|
#
?
Aug 20, 2019 16:08
|
|
|
Marchofthepenguins posted:AITA for refusing to help my daughter pay for her dental care? She was literally scrimping and saving, to the extent that she was putting up with the pain to wait till she had more money. What the gently caress did this rear end in a top hat want her to do differently exactly??
|
|
#
?
Aug 20, 2019 16:13
|
|
|
Leon Einstein posted:It's weird to me that so many people use that envelope method to save. If your money isn't making money, you're losing money. My sister buys her vehicles outright to avoid car payments. Yeah, smart move to drop 26k on a car when you could've financed it at like 1% and earned way more than that investing it. Sometimes the method that results in you actually doing the saving is worth doing over the theoretical one that you have trouble keeping up with. Some people want to maximize their returns or whatever, and some people just want to not have a car payment. If she can pay cash for a car then she's doing fine without whatever returns you're scolding her over. Personal finance scolds can eat my whole rear end. TheScott2K fucked around with this message at 16:17 on Aug 20, 2019 |
|
#
?
Aug 20, 2019 16:14
|
|
|
Grape posted:She was literally scrimping and saving, to the extent that she was putting up with the pain to wait till she had more money. What the gently caress did this rear end in a top hat want her to do differently exactly?? idk, agree with him that she doesn't deserve a dentist I guess
|
|
#
?
Aug 20, 2019 16:15
|
|
|
luxury handset posted:dad clearly needed to buy drugs in a hurry At best she could got sit outside on the steps and call cps/police to come get them, but anyone who goes into a full on panic mode after calling the authorities isn't going to want to sit there and talk to them. When the father showed up banging on the door and screaming at her most people would call the cops and she just tried to put her headphones on and hope he goes away. This isn't someone who should be watching young kids. On that note, I've seen everyone from tenured professors to diner servers bring their young kids in to their job and stick them out of the way because of a babysitting issue. Guy might've had a job where that wasn't an option, but if he's willing to leave them while someone keeps saying "no I can't what are you doing" then he's probably a lovely parent.
|
|
#
?
Aug 20, 2019 16:17
|
|
|
TheScott2K posted:Sometimes the method that results in you actually doing the saving is worth doing over the theoretical one that you have trouble keeping up with. Some people want to maximize their returns or whatever, and some people just want to not have a car payment. If she can pay cash for a car then she's doing fine without whatever returns you're scolding her over. Leon Einstein fucked around with this message at 16:30 on Aug 20, 2019 |
|
#
?
Aug 20, 2019 16:28
|
|
|
Three Olives posted:This seems like a pretty good deal for her that surely won't cause major relationship strife in the future! Huh? There are some things in there that I wouldn't do myself ($500/mo car payment almost assuredly) but they seem like extremely normal people and a really, really good example of how combining finances often doesn't simplify anything. If they break up she has to move, besides her maybe not affording the car on her own I don't see any big ticking time bombs in there. He is super correct and mature about the mortgage, their philosophy seems to be "we trust each other, we have shared goals and work toward them." Leon Einstein posted:It's weird to me that so many people use that envelope method to save. If your money isn't making money, you're losing money. My sister buys her vehicles outright to avoid car payments. Yeah, smart move to drop 26k on a car when you could've financed it at like 1% and earned way more than that investing it. lmao, interest rates in the US are such poo poo that unless you're talking massive amounts of money it's pointless. you can't afford ANY risk with this money, so what are you going to get a 2.25% CD? 2.5 if you shop around and structure them into multiple CDs so you can withdraw the money? oh no they might miss out on $1100 in interest over 5 years, which is largely offset by the loan origination fees and $600 in interest they're paying on the 1% and the peace of mind not having to service debt. you cant take your car payment money and invest it in a high risk business venture or stock, and it needs to be drawn from monthly. bus hustler fucked around with this message at 16:33 on Aug 20, 2019 |
|
#
?
Aug 20, 2019 16:30
|
|
|
Yeah, you can invest it. The stock market isn't as volatile as you think over a 5 year span. I guess you need the fortitude for it. I didn't mean she should withdraw the payment each month, but 25k is a good chunk and it is unlikely to lose value over 5 years.
Leon Einstein fucked around with this message at 16:36 on Aug 20, 2019 |
|
#
?
Aug 20, 2019 16:34
|
|
|
Leon Einstein posted:Yeah, she's doing fine in the present while assuming her 3 children won't need any help for college and her retirement plan consists of assuming an inheritance. She also doesn't work more than 10 hours a month while grinding her husband into a fine paste. "Doing fine" is subjective and people should be scolded for foolish finances. My MIL is like you and says "as long as bills are paid, everything is good" while her new son in law just bought a new truck at 21. She also plans to retire in 5 years while having zero idea of how much she needs or has. finances aren't the problem here
|
|
#
?
Aug 20, 2019 16:35
|
|
|
The assumption is that someone who can drop $26K on a car has monthly income that covers a car payment. That $26K has an opportunity cost greater than the interest that someone, presumably with good credit who can qualify for a loan directly through the car company, will pay on the loan itself.
|
|
#
?
Aug 20, 2019 16:35
|
|
|
https://twitter.com/chicken__puppet/status/1163803724881416194?s=19
|
|
#
?
Aug 20, 2019 16:36
|
|
|
MF_James posted:What the gently caress is wrong with both these people. Accepting the kids has the potential to make her responsible if something goes wrong. If some stranger is trying to push unknown kids off on you, there's no upside to getting even a little bit involved.
|
|
#
?
Aug 20, 2019 16:36
|
|
|
Put all of your CUM in an rear end, every single penny of it.
|
|
#
?
Aug 20, 2019 16:37
|
|
|
I stopped eating or drinking years ago, take that big basic needs industry.
|
|
#
?
Aug 20, 2019 16:38
|
|
|
Leon Einstein posted:l guess you need the fortitude for it. Lmfao
|
|
#
?
Aug 20, 2019 16:40
|
|
|
Walking through the beautiful open-plan kitchen in my 3,900 square foot Jupiter, FL home and opening the pantry that is completely empty save for two 50-lb sacks labelled "rice" and "beans"
TheScott2K fucked around with this message at 16:43 on Aug 20, 2019 |
|
#
?
Aug 20, 2019 16:40
|
|
|
Dear Prudence posted:Q. Three’s a crowd: My husband and I have been together for about seven years. In that time we (thankfully!) have never had any big arguments or disagreements. We’re both pretty independent people who enjoy living their own lives while still being able to come home to a loving home. Neither of us has ever really had any issues with each other’s friends, and over time our friend groups have seemingly meshed into a shared conglomerate. The issue is, an old friend of my husband’s has reentered the picture and she is really throwing a wrench in things. The two reconnected while I was backpacking abroad alone, as my husband dislikes traveling. Since then, the two have seen each other practically every day and are in constant contact—even having phone conversations all hours of the night! While I was abroad, I booked a room in an area that made me nervous and asked my husband to be available for around an hour as I wanted to have him on the phone with me while I walked the mile to catch my bus. During that time, he was with this other woman and ignored all of my calls and texts. While there wasn’t much he could do from an ocean away, it was a comfort thing for me and he was totally unapologetic. Since coming home, it has been worse, with him blowing me off to spend time with her. Prudie correctly calls out that the guy is definitely having an affair, but I wish we could pull on that "backpacking abroad alone" thread. Going on extended vacations without your partner is just a stone's throw from asking for an open relationship imo.
|
|
#
?
Aug 20, 2019 16:43
|
|
|
sobbing into my venti caramel macchiato as my landlord raises rent 200%
|
|
#
?
Aug 20, 2019 16:43
|
|
|
cumshitter posted:The assumption is that someone who can drop $26K on a car has monthly income that covers a car payment. That $26K has an opportunity cost greater than the interest that someone, presumably with good credit who can qualify for a loan directly through the car company, will pay on the loan itself. but there is value to not having to service debt. there is value to being in a position to absorb a job loss, medical emergency, or simply a personal choice to decline in hours. if the ONLY thing that has value to you is decimal points going up in an account, we will never agree. also the guy saying stocks never go down is a loving moron The S&P 500 Index, shown in bright red, delivered its worst five-year return of -6.6% a year over the five years ending in February 2009. T That was forever ago, surely it will never happen again! As we steam toward a recession, one that has a particularly large personal auto loan bubble.
|
|
#
?
Aug 20, 2019 16:47
|
|
|
Yeah, let's cherry pick the absolute worst 5 year span possible to make your point. Give me a break. If you don't want to invest, that's your prerogative, but to say that it is a bad idea makes you look dumb af. I absolutely didn't say stocks never go down either.
|
|
#
?
Aug 20, 2019 16:51
|
|
|
I say stocks never go down all the time. DOW 100,000 by Q3 baby. Purchase CUM's new ETF, BNGAY now.
|
|
#
?
Aug 20, 2019 16:52
|
|
|
Leon Einstein posted:Yeah, let's cherry pick the absolute worst 5 year span possible to make your point. Give me a break. If you don't want to invest, that's your prerogative, but to say that it is a bad idea makes you look dumb af. sorry, i'll just time the market like this loving genius instead. i also never said it's 100% a bad idea, but it has risk, which you seem to think it doesn't if you have giant swinging balls.
|
|
#
?
Aug 20, 2019 16:53
|
|
|
morpheus deadend
|
|
#
?
Aug 20, 2019 16:54
|
|
|
Who said anything about timing the market? You're making yourself look foolish.
|
|
#
?
Aug 20, 2019 16:54
|
|
|
Leon Einstein posted:Who said anything about timing the market? You're making yourself look foolish. lol get a load of this guy
|
|
#
?
Aug 20, 2019 16:55
|
|
|
𝄞 everyone moves at their own speed𝄞
|
|
#
?
Aug 20, 2019 16:55
|
|
|
Leon Einstein posted:Who said anything about timing the market? You're making yourself look foolish. you did, because you personally would be smart enough to NOT invest before a 5 year market downturn, because you would somehow magically know that it's coming i guess? do you think people who put their money into the S&P in mid 2008 instead of paying a car in cash thought they were making a risky choice? even if it's not a -6.6% return a 1% return, a -0.5% return, and a 0% return are all likely as well.
|
|
#
?
Aug 20, 2019 16:56
|
|
|
bow down to the sward biatch
|
|
#
?
Aug 20, 2019 16:56
|
|
|
My (24M) gf (21F) wants to have sex with me for the first time and I don’t know what to doquote:Sorry in advance for the horrifically long post, I’m just trying to be thorough so I don’t have to answer as many questions later. What an unfortunate choice of wording in the title.
|
|
#
?
Aug 20, 2019 16:56
|
|
|
scoots the kleenex box towards you
|
|
#
?
Aug 20, 2019 16:56
|
|
|
Collapsing Farts posted:How do people go through life with genitals that smell across rooms and not see a vagina doctor about it I mean i did and when they found out I had a penis they threw me out and pressed charges I mean that happened to my friend
|
|
#
?
Aug 20, 2019 16:57
|
|
|
HellOnEarth posted:AITA calling cps on my neighbor They say it takes a village to imprison neglectful rageaholics
|
|
#
?
Aug 20, 2019 16:57
|
|
|
I [27M] have HSV-1. My girlfriend [27F] won’t kiss me. Is she being too cautious about it?quote:I’m not sure if it’s oral or genital, I haven’t seen an outbreak. I take the suppressive medication daily and we always use condoms. We’ve been dating for a year now, and this week she’s suddenly become much more scared of getting it.
|
|
#
?
Aug 20, 2019 16:58
|
|
|
charity rereg posted:do you think people who put their money into the S&P in mid 2008 instead of paying a car in cash thought they were making a risky choice? even if it's not a -6.6% return a 1% return, a -0.5% return, and a 0% return are all likely as well. (USER WAS PUT ON PROBATION FOR THIS POST)
|
|
#
?
Aug 20, 2019 16:58
|
|
|
luxury handset posted:dad clearly needed to buy drugs in a hurry Um excuse me she is a woman of childbearing age and thus automatically can be recruited into child care at any time
|
|
#
?
Aug 20, 2019 16:59
|
|
|
I (30F) need help understanding my boyfriend (30M) sexuallyquote:Before I start this post, I need to make it very clear, that I did some things wrong here, and I own up to that, and have learned from at least that part of this occurrence. This guy is probably not telling the truth because she's a lunatic who's going to have a panic attack if literally anything is slightly out of place in this relationship.
|
|
#
?
Aug 20, 2019 17:00
|
|
|
The Bramble posted:My (24M) gf (21F) wants to have sex with me for the first time and I don’t know what to do Save it for someone that really matters, someone that is unfuckable by society at large.
|
|
#
?
Aug 20, 2019 17:01
|
|
Cat Army
|
Leon Einstein posted:What was the return on the s&p from mid 2008 to mid 2013? Could you please shut the gently caress up?
|
|
#
?
Aug 20, 2019 17:01
|
|
|
|
| # ? May 14, 2024 01:11 |
|
|
I get over 1% on my savings account, and make car payments to that. Seems like best of both worlds to me.
|
|
#
?
Aug 20, 2019 17:03
|
|
