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TLG James posted:Is there a more expensive protein than this? Found something: http://proteinfactory.com/product/bio-serum-front/ 
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Dec 7, 2014 18:22
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Knyteguy posted:Found something: http://proteinfactory.com/product/bio-serum-front/ It has to work. At $100 a pound and only five star reviews this has to be the best thing ever invented! /s
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Dec 7, 2014 18:38
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It can be easy to overspend on beauty products, but there are benefits to buying over the base level items (not wrinkle cream or useless stuff). Makeup that stays in place and doesn't irritate or dry out your skin (necessitating more beauty products!), or getting good quality well fitting bras and spending some money on tailoring can make a huge difference in overall appearance, and I think a lot of guys tend to overlook those expenses given how much easier it is for them to 'look good'. Buying only the things you like and use frequently is good with money. My coworkers and managers encourage the only the young female workers to wear nice clothes (and makeup) all the time, while neither are required by the dress code. I wear a lab coat on top of everything, don't face clients, and I handle large amounts of blood and urine as part of my job. I'm not going to wear an expensive pair of dress pants unless I get paid enough to replace them regularly. As is, I wear clean, well fitting scrubs and that is enough. However, if I were investing in a career at that institution I would have to hop to. Clothes/grooming can absolutely be a necessary expense.
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Dec 7, 2014 18:59
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Yeah, I didn't mean too start too much of a defensive argument  I'm a government social worker in a near-100% female work environment, and part of my job is appearing regularly in court. Men can have one suit, I need to have multiple outfits because our judge is senile and a huge bitch. A coworker of mine got ejected from her courtroom for having damp hair and open toed heels.I have a couple coworkers who use this as an excuse to shop for designer clothes and wear expensive shoes because the judge does comment favorably on that, but at social worker wages I don't think that's worth it.
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Dec 7, 2014 19:09
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Knyteguy posted:Found something: http://proteinfactory.com/product/bio-serum-front/ quote:It’s funny because people think they can build muscle buying a supplement that costs $29.99. Really? You think that you can just buy some junk supplement like Gamma –O and some garbage arginine supplement and its going to pack on muscle? Look, all these supplement stores are in business to make money. Don’t be a fool, it’s the truth. And the only way they make money is to sell you junk, low quality supplements. Slap a fancy label and market it as the best thing ever. The lab report is a broken image. lol BouncingBuckyBalls posted:It has to work. At $100 a pound and only five star reviews this has to be the best thing ever invented! /s And all but one of the 5 star ratings were posted on the same day!
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Dec 7, 2014 19:10
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TLG James posted:Is there a more expensive protein than this? Just go to GNC!
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Dec 7, 2014 21:38
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Pompous Rhombus posted:$50 of protein powder (5lbs) lasts me almost 3 months I gotta object to this part, generally. You may live somewhere with really high food prices, but for most of the US, and probably Canada, protein powder is not a way to save money. Cooking meat is almost always cheaper. The features of protein powder, like that of all prepared mixes, is that it is easier to store and faster to prepare than other protein sources. 5lbs of protein powder at $50 is roughly $1 per 140 calorie serving with 20g protein. In the US chicken breasts average $2.50 to $3 per lb, beef roast is $4 to $5 per lb (but more protein dense), and pork shoulder is $2.50-$3 per lb depending on the time of year, and large eggs are usually $0.25 a piece. Oh, and raw meat loses about 20% of it's weight when cooked. So based on those prices, your nutritionally equivalent meat servings are:
Protein powder is like any kind of cooking mix or prepared food. It's not meant to save you money. It's meant to save you time at the cost of money. It's a supplement. Only eat it when, for whatever reason, your normal diet for a day can't meet your nutritional needs. Or when the thought of another chicken breast makes you sick. But try to make your normal meals sufficient so that you don't need it every day.
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Dec 7, 2014 22:29
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I use it as a breakfast replacement so it's actually pretty Good With Money on a cost-per-meal basis.
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Thread title lives up to its name for sure. My housemate is bad with money. Her job ends in 6 weeks and she still hasn't found another one. She went on a 2 week holiday overseas about a month ago and just before that she spent about 1k on getting some art framed. She asked to borrow $20 because she doesn't have any money or some poo poo. She's 36. loving hell you'd think someone nearly 10 years my senior would have their poo poo together. Tangent rant: She wanted me to move out because, her words, "You affect me the most because you're in the house the most" when she didn't like how the house changed from a more happy go lucky to a bunch of professionals with busy lives. She got upset because we saw each other at a local community dinner and I hadn't invited her... nor did you, you loving unstable oval office. Thank god she is moving out because I hate her guts.
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Dec 8, 2014 00:59
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Folly posted:5lbs of protein powder at $50 is roughly $1 per 140 calorie serving with 20g protein. In the US chicken breasts average $2.50 to $3 per lb, beef roast is $4 to $5 per lb (but more protein dense), and pork shoulder is $2.50-$3 per lb depending on the time of year, and large eggs are usually $0.25 a piece. Oh, and raw meat loses about 20% of it's weight when cooked. So based on those prices, your nutritionally equivalent meat servings are: Your math seems off. ON Whey will give you roughly 14 140-calorie scoops per lb. with roughly 26g protein/scoop, at $5.5/lb. This is $0.40/serving, but it's also ~27% more protein than you've accounted for, so the price reduction takes it to ~$0.30/serving, or a great buy compared to the meat.
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Dec 8, 2014 01:57
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Yeah it really depends on the brand. Different ones have a different value of grams protein/dollar spent.
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Dec 8, 2014 02:05
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baquerd posted:Your math seems off. ON Whey will give you roughly 14 140-calorie scoops per lb. with roughly 26g protein/scoop, at $5.5/lb. This is $0.40/serving, but it's also ~27% more protein than you've accounted for, so the price reduction takes it to ~$0.30/serving, or a great buy compared to the meat.
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Dec 8, 2014 02:10
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Renegret posted:Primerica can be good with money! If you're a completely insane sociopath who excels at manipulating other people with a complete disregard for other people's lives and well being. This is exactly right. I have a buddy who's involved with Primerica and he keeps getting in deeper and deeper. It's truly amazing how badly he's drinking the koolaid, he honestly thinks that this is the way to financial stability with infinite income potential: Destroy all personal relationships by treating people who are supposed to be friends and family like nothing more than mark-rear end bitches. I thought this dude was my friend but he slowly started working the "pitches" into all of our passing conversations, and I get a call from him the other day that started out as "Hey haven't seen you in a while want to get together for drinks to catch up?" and quickly became "Bring a list of friends or family you may know that could use some of OUR services." I loving hate how he always says "OUR" when referring to Primerica's services. I'm getting drinks with him after all but only because I feel there is a lack of drama in my life at the moment. My plan is to try to make him eventually realize that he is in fact the sucker in all this and that his behavior is predatory. I know he's a good person deep down and that he means well, he's just so desperate that he's willing to believe what Primerica is selling him, it's tragic really. As an atheist, having deep conversations with prosthelytizing Christians in college and turning their poo poo back on them was one of the highlights of my life...I like to get back in the game every once in a while 
fruition fucked around with this message at 02:37 on Dec 8, 2014 |
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Dec 8, 2014 02:33
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fruition posted:This is exactly right. I have a buddy who's involved with Primerica and he keeps getting in deeper and deeper. It's truly amazing how badly he's drinking the koolaid, he honestly thinks that this is the way to financial stability with infinite income potential: Destroy all personal relationships by treating people who are supposed to be friends and family like nothing more than mark-rear end bitches. I had one friend get eyeball-deep in Amway quite a few years ago. He went so far as to travel to Amway conventions on the other side of the country. I have another friend who was recently way into ACN. Both of them did the "we" and "us" poo poo. One thing that was interesting in a detached way was how both of these friends couldn't stop talking about the amazing car [some icon in the local pyramid] drove. After like two years, the ACN friend finally started getting out because the weird group chants reminded him of tent revivals.
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Dec 8, 2014 03:35
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fruition posted:This is exactly right. I have a buddy who's involved with Primerica and he keeps getting in deeper and deeper. It's truly amazing how badly he's drinking the koolaid, he honestly thinks that this is the way to financial stability with infinite income potential: Destroy all personal relationships by treating people who are supposed to be friends and family like nothing more than mark-rear end bitches. One morning on my day off, I was woken up from a call from a friend asking for help with something, but wouldn't give me specific details. I hauled my lazy rear end out of bed and headed and headed over to the address she gave me, and sure enough, when I pulled up I saw a great big Primerica sign hanging in front of the building. I can't say I was surprised, but needless to say I wasn't happy. I went inside because at that point I felt committed to at least say hi, and was greeted by an old boss of mine who had roped her in. He explained to me that as part of her training, she was...strongly encouraged to introduce friends and family to the organisation and get them interested in the process. She thought I'd be a good candidate because "you like helping people". Where she got that idea I'll never know. I walked out and haven't talked to either of them since. A whole web of friends and/or coworkers of them got sucked into Primerica when said ex-boss got poo poo canned from the old job for political reasons, he got involved in Primerica somehow and he suckered them all in. I only managed to stop two people from joining, the rest got sucked in and I never found out what happened to most of them. No doubt they burnt out and left, though I know for a fact two people I knew, unsurprisingly the two most manipulative of the group, rose through the Primerica ranks and are now Regional Leaders (whatever that means). I have no doubt that they're making a fair bit of money, but that's because they're manipulative assholes who don't have any problems walking all over other people. I have them both on Facebook still, and I had to unfollow them because they'll post twice a day about how important financial independence is and join us to learn, blah blah blah, and random bullshit motivational quotes that make me gag. As far as everyone else goes, I basically had to cut off an entire circle of friends from that fiasco, which is part of the reason I'm so bitter against Primerica in particular. I was getting badgered 2-3 times a day to join in like it was a god drat cult, and after a while I decided enough is enough. And now that we're on this topic, I just remembered when I got my current job, one of them messaged me on Facebook and tried to sell me their financial services so I could plan for retirement. He opened by asking how I plan on saving for retirement, and I laid the god drat smackdown on him. AND NO I don't need life insurance either, I get that for free through my job. Telling me to match my employer match 401k and open a ROTH isn't very hard thank you very much. Renegret fucked around with this message at 04:02 on Dec 8, 2014 |
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Dec 8, 2014 03:57
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baquerd posted:Your math seems off. ON Whey will give you roughly 14 140-calorie scoops per lb. with roughly 26g protein/scoop, at $5.5/lb. This is $0.40/serving, but it's also ~27% more protein than you've accounted for, so the price reduction takes it to ~$0.30/serving, or a great buy compared to the meat. You're right, I screwed up the servings per container. Our differences is in the number of scoops per lb. My bad, I could have sworn it said there was 54 servings in a 5lb container. It's really 74 for $57. Which drops the price per scoop to $0.78 per scoop. Still not as cheap as meat, but much closer. At $2.50 for 12.9 oz and 9g protein per ounce, you're looking at $0.195 per ounce of chicken and 3 ounces to get the same amount of protein. So that's $0.60 per 27g of protein from chicken breast. (Pork shoulder and loin are usually about 20% cheaper than chicken breast where I live, so it would be $0.50 per equivalent protein.) Now that's full price. Cheapest sale price I can find for meat is about 30-40% less than that. You seem to have found whey at roughly half the price I've found it. Maybe it is cheaper for you.
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Dec 8, 2014 04:18
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Renegret posted:One morning on my day off, I was woken up from a call from a friend asking for help with something, but wouldn't give me specific details. I hauled my lazy rear end out of bed and headed and headed over to the address she gave me, and sure enough, when I pulled up I saw a great big Primerica sign hanging in front of the building. I can't say I was surprised, but needless to say I wasn't happy. Having life insurance just at your job and only your job, and potentially having people count on you in the future is bad with money. Not buying it from primerica is one thing. "Owning " a financial advisor on never needing life insurance is another.
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Dec 8, 2014 04:19
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Jastiger posted:Having life insurance just at your job and only your job, and potentially having people count on you in the future is bad with money. Not buying it from primerica is one thing. "Owning " a financial advisor on never needing life insurance is another. Why is having life insurance through my job bad with money? I have like 5x my yearly income in life insurance through them.
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Dec 8, 2014 04:35
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Day Man posted:Why is having life insurance through my job bad with money? I have like 5x my yearly income in life insurance through them. You could lose your job, etc etc. I almost got sold life insurance through that argument. And honestly, if you have kids, a cheap secondary life insurance plan might not be bad to consider. But the other side of the coin is double paying of life insurance. Id rather take the risk, and if I lose my job I'll just accept a slightly higher rate on life insurance then I would have had if I double paid to sign up earlier.
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Dec 8, 2014 04:57
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Duckman2008 posted:You could lose your job, etc etc. But then you'd have a second job and get life insurance there  But really it could be a lot higher or just a little higher, depending on your health and age when you lose your job. It does matter from person to person, but saying "I sure owned THAT guy trying to make me be financially responsible and stuff" is bad with money.
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Dec 8, 2014 05:03
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That guy was from Primerica though... he certainly wasn't trying to make anyone be financially responsible....
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Dec 8, 2014 05:06
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Day Man posted:Why is having life insurance through my job bad with money? I have like 5x my yearly income in life insurance through them. You gotta diversify your death man
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Dec 8, 2014 05:22
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Duckman2008 posted:You could lose your job, etc etc. Gotta build that death equity.
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Dec 8, 2014 06:08
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Speaking of life insurance, I'll be dead when it's worth anything so gently caress it.
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Dec 8, 2014 06:39
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fruition posted:I thought this dude was my friend but he slowly started working the "pitches" into all of our passing conversations, and I get a call from him the other day that started out as "Hey haven't seen you in a while want to get together for drinks to catch up?" and quickly became "Bring a list of friends or family you may know that could use some of OUR services." I loving hate how he always says "OUR" when referring to Primerica's services. 1) printouts of various online articles explaining why Primerica is bad, 2) a $5 bill with an explaination that it's probably more than he's made net since joining the org (when considering training or buy-in, unless they're not like the usual MLM type of business model?) 3) spring snakes, because I think that gag needs revival. Nobody falls for the fake can of nuts when it's obviously not a real brand's label.
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Dec 8, 2014 07:46
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Day Man posted:Why is having life insurance through my job bad with money? I have like 5x my yearly income in life insurance through them.
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Dec 8, 2014 08:28
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Why would your parents and in-laws get a life insurance payout from you dying?
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Dec 8, 2014 09:30
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Jastiger posted:But then you'd have a second job and get life insurance there I'm not taking financial advice from someone who works for an MLM scheme. They prey on people who can't make their minimum credit card payments, what I was getting at was that he wasn't expecting me to be almost debt free at that point and doing perfectly fine. Renegret fucked around with this message at 12:38 on Dec 8, 2014 |
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Dec 8, 2014 12:31
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Cicero posted:Why would your parents and in-laws get a life insurance payout from you dying? This. If you die without a will, your poo poo goes to your spouse, if she's dead your kids, if they're dead their kids. The only time your parents get anything is if you die before getting married and / or having kids, or you specifically bequeath something to them. Why the gently caress would your parents be your life insurance beneficiaries? (Unless you're single and assigned the benefits to them?)
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Dec 8, 2014 12:37
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Cicero posted:Why would your parents and in-laws get a life insurance payout from you dying? I have my parents as beneficiaries primarily because they were cosigners on my $89,000 of student loans. However, I'm down to about $6,000 remaining and thus should have the loan paid off within the next few months (I'm throwing about $1,000 per month at the final remaining student loan, and it's nearly all principal at this point), so I should be able to drop them from the insurance once I'm done.
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Dec 8, 2014 12:43
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Some doozies from reddit today. Help me weasel out of the $230,000 I (plus dad) owe for my undergrad. Crowdsourcing Grad school quote:Would crowd-sourcing my tuition be an outlandish idea? (ie. If an individual donated 100$ to my tuition, I would provide 100$ worth of free care to them or an undeserved individual once I graduate). 3D printing will destroy property values! quote:Based on how rapidly 3d printing has improved in only the last 5 years, I don't think that it's unreasonable to expect that in 15 years, there will be a rapidly growing market of 3d-printing-aided homes and apartments costing significantly less to build than homes do now. Saros fucked around with this message at 13:25 on Dec 8, 2014 |
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Dec 8, 2014 13:20
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Saros posted:Some doozies from reddit today. I want to print a house  http://www.reddit.com/r/personalfinance/comments/2omdb8/lent_friend_35000_in_hopes_of_making_profit_from/ Lent friend $35,000 in hopes of making profit from his car business but he's basically broke now posted:Little backstory: friend was wanting to establish a car business (repairing, trading, etc) and somehow it all went wrong and he lost a lot of money. e: http://www.reddit.com/r/personalfinance/comments/2omcru/whats_the_best_way_to_collect_on_money_ive_leant/ What's the best way to collect on money I've leant? posted:Coming into the holidays I've been paying closer attention the finances and I'm realizing I often lend money I never see again. Not to one person, or only family, but it seems like every time! I'm not making loans per se, more like I'm the one who picks up the birthday gift "from the group" and then I have the hardest time collecting everyone's portion. Or someone will ask me to grab something on my way (like ice on my way to a party) that they will give me cash for when I get there and they never do. From things like this I'm estimating I'm owed about 500... just in the last few weeks! What can I do to stop this? I want to be helpful and kind, but someone just now realizing that that desire is coming with a high price... I recommend a backbone, OP. Renegret fucked around with this message at 14:19 on Dec 8, 2014 |
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Dec 8, 2014 14:17
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Some kind of working memory would also be helpful. How do you give away more than $500 a month and then forget it every time?
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Dec 8, 2014 14:54
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Jesus wept, $230k for an undergrad degree!? On the other hand he claims to be saving $3k/mo, so must at least be well-compensated.
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Dec 8, 2014 15:14
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He went to Brown apparently. 'Ivy League.' Reading between the lines he expected his father to pay for it all so never cared to try get scholarships or assistance or anything.
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Dec 8, 2014 15:18
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Cicero posted:Why would your parents and in-laws get a life insurance payout from you dying?  And I do support my own parents financially. This might surprise you, but everyone's financial circumstances are different. Pompous Rhombus posted:Jesus wept, $230k for an undergrad degree!? On the other hand he claims to be saving $3k/mo, so must at least be well-compensated. melon cat fucked around with this message at 16:25 on Dec 8, 2014 |
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Dec 8, 2014 16:20
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Looking for advice. I posted last month about my grandmother dying without enough of an estate for final expenses. I've been the most involved financially with Granny (paying bills, dealing with creditors) so I got stuck with the majority of the cremation and obituary fees. My sister, who lives in another state, promised me a couple of hundred that she could pay in December. Well it's December. Do I remind her or wait and see if she sends the money unannounced? I could send her some items Granny wanted her to have, maybe a physical copy of the obit, to jog her memory. But I really don't want to be a passive-aggressive rear end in a top hat on this. Then again, I'm pretty sure I'll flip my poo poo if I directly ask her and get a, "weeeell....".
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Dec 8, 2014 16:26
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Krispy Kareem posted:Looking for advice. I posted last month about my grandmother dying without enough of an estate for final expenses. I've been the most involved financially with Granny (paying bills, dealing with creditors) so I got stuck with the majority of the cremation and obituary fees. My sister, who lives in another state, promised me a couple of hundred that she could pay in December. Well it's December. Do I remind her or wait and see if she sends the money unannounced? From the little bit you wrote here, it sounds like you knew you were never going to get the money back. So, ask her about it, and keep your cool, because you knew you were never going to get the money back. Alternatively, just let it go, because you always knew you were never going to get the money back.
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Dec 8, 2014 16:35
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Saros posted:He went to Brown apparently. 'Ivy League.' Reading between the lines he expected his father to pay for it all so never cared to try get scholarships or assistance or anything. Brown's an ivy, gently caress you?  It is really expensive though.
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Dec 8, 2014 16:36
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Krispy Kareem posted:Looking for advice. I posted last month about my grandmother dying without enough of an estate for final expenses. I've been the most involved financially with Granny (paying bills, dealing with creditors) so I got stuck with the majority of the cremation and obituary fees. My sister, who lives in another state, promised me a couple of hundred that she could pay in December. Well it's December. Do I remind her or wait and see if she sends the money unannounced? Just accept that you're not getting the money, then ask her directly. Don't be confrontational, just say hey, remember that money? Any chance you have that for me? She'll probably make an excuse, judging from your post, then just let it go. All the passive-aggressive reminding game does is make you gradually more angry as she doesn't pick up on hints.
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Dec 8, 2014 16:39
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silvergoose posted:Brown's an ivy, gently caress you? Haha I have no idea about American universities, is Brown good? Bad? Why is it named after a color? I was assuming the insane cost was because of the Ivy league status. Saros fucked around with this message at 16:46 on Dec 8, 2014 |
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Dec 8, 2014 16:43
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