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olylifter posted:Is there a reason why homeboy couldn't have written songs on the weekend and when he's home from work until the career takes off and then cast off the shackles of the salt mines to become the Paul Simon that he knows he is in his heart? Often they've been doing it as a hobby but have been failing, and instead of chalking that up to lack of talent, they blame it on the fact that they're not dedicating themselves enough.
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Jun 14, 2016 00:02
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Speaking of car chat... Why would anybody agree to this 
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Jun 14, 2016 00:03
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KYOON GRIFFEY JR posted:Bit tough to get to work on a horse in The Year Two Thousand Sixteen. WOULD YOU DOWNLOAD A HORSE?
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Jun 14, 2016 00:25
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Zamujasa posted:Speaking of car chat...  wells fargo car loan buddy. I sent them a "secure email" asking how to make a principle payment online and they said that I had to call to get the answer to that question. I've played that game before where I thought I was paying principle on my car loan, but in reality I was just pushing my "next payment due" date out into the future. I used to be really bad with money. I let the dealership tack on $5,000 in stuff onto the $9,999 special car walking between the sales table and the finance table, a VW mk4 jetta 2.slow, first of its model year, excluded from all recalls on the mk4's.  
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Jun 14, 2016 01:08
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Living in a small town in the desert is GWM until you have to go somewhere and realize that the nearest airport with any commercial service is 2 hours away and the nearest airport with more than 2 daily departures is 4. Rural living: Good With Money, Bad With Life.
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Jun 14, 2016 02:59
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Zamujasa posted:Speaking of car chat... Wow, $8000 in interest on a $18000 loan. 
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Jun 14, 2016 03:11
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https://www.reddit.com/r/personalfinance/comments/4nxyqw/thinking_of_investing_50k_in_a_brewpub_total/ posted:I'm considering investing 50k in a business despite knowing almost nothing about how small businesses are founded and financed. The business is a restaurant and brewery...Half of the investment is in the form of a promissory note at 7%. The other half buys 1.5% equity in the business. The founders make all business decisions, including whether to pay dividends or plow profits back in to the business... But the point of the investment is the equity, and the chance of owning a successful brewery, not the 7% loan. This one's all sorts of hosed up you could black out a BWM bingo card. Only way it could be worse is if the restaurant was on a boat skippered by a horse.
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Jun 14, 2016 04:49
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Brew pubs are tried and true business models that never fail and not getting voting rights or defined dividends from your equity is always a safe bet.
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Jun 14, 2016 06:20
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H110Hawk posted:
If you are serviced through Wells Fargo Dealer Services, as I am, I have asked this question and here is the answer I received: Please be advised that on your specific loan type, each time you send more than the required payment amount, the additional funds are deducted from your principal balance and advances to the next months due date as long as the interest is satisfied.
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Jun 14, 2016 14:45
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Guest2553 posted:The founders make all business decisions, including whether to pay dividends or plow profits back in to the business. So basically, he'll never see jack poo poo from that $25k for 1.5% equity except maybe getting discounts at the bar. I'm sure lots of businesses would be happy to give you a Green Bay Packers style certificate that means nothing for less than $25k if they got to choose whether they paid you anything.
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Jun 14, 2016 14:48
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spinst posted:If you are serviced through Wells Fargo Dealer Services, as I am, I have asked this question and here is the answer I received: Thanks. I walk past a wells fargo bank branch nearly every day for lunch (speaking of BWM), I think I will just walk in with some cash since they don't want to answer my question online.
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Jun 14, 2016 15:00
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Nail Rat posted:So basically, he'll never see jack poo poo from that $25k for 1.5% equity except maybe getting discounts at the bar. Could he force the owner to buy back his share at some future time? There has to be some provision to divest himself, right? Or is he locked into his investment until it fails or someone buys the bar? I guess absolute best case scenario the bar is a fantastic success and the owner opens up additional locations and becomes the next TGIF. But in that case I'm sure the 1.5% ownership is in that location and not the company as a whole.
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Jun 14, 2016 16:55
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Hell, my former roommate asked for a 20k investment in her restaurant, which is now wildly successful but I'd still not see a cent back from it the way she had it set up.
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Jun 14, 2016 17:10
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Moneyball posted:My job is to apply payments from insurance companies for medical treatments my company provides. Often, a check will go from the insurance company to the patient instead of us, so they are required to mail that to us. Sometimes they cash them and we have to collect.
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Jun 14, 2016 17:24
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Moneyball posted:My job is to apply payments from insurance companies for medical treatments my company provides. Often, a check will go from the insurance company to the patient instead of us, so they are required to mail that to us. Sometimes they cash them and we have to collect. This happened to a friend of mine, in a similar amount, except since she was a 25 year old still under her parents' insurance (though living as an otherwise-independent adult on the opposite side of the country) the insurance company cut the check to her mom as the policy holder. My friend went about her business thinking insurance had taken care of it, as they said they would, until she got a call from the hospital about the unpaid debt. Once she figured out that the insurance hadn't paid the hospital directly and had instead mailed a check to her terrible-with-money mother, and called to tell her mom to send the check in to the hospital, her mom said she had assumed it was for some other medical bills for the parents and had used it all to pay those instead. Certainly the paperwork would have said something about the patient name, but her mom runs the many debts she's incurred as somewhat of a shell game between members of the family. So the medical debt is in my friend's name, but the best she can get from her mom is a shrug and a "sorry, it's all gone." So the mom has effectively transferred around $20,000 of medical debt from her old and unwell spouse to her young and reasonably healthy daughter. Their relationship is obviously strained as a result, but not for the reason you would think. The mom feels it's impolite to talk about money and for her daughter to keep bringing this up (to talk about payment plans or some sort of mitigation) is obviously very rude.
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Jun 14, 2016 18:01
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some_weird_kid posted:This happened to a friend of mine, in a similar amount, except since she was a 25 year old still under her parents' insurance (though living as an otherwise-independent adult on the opposite side of the country) the insurance company cut the check to her mom as the policy holder. My friend went about her business thinking insurance had taken care of it, as they said they would, until she got a call from the hospital about the unpaid debt. Once she figured out that the insurance hadn't paid the hospital directly and had instead mailed a check to her terrible-with-money mother, and called to tell her mom to send the check in to the hospital, her mom said she had assumed it was for some other medical bills for the parents and had used it all to pay those instead. Certainly the paperwork would have said something about the patient name, but her mom runs the many debts she's incurred as somewhat of a shell game between members of the family. So the medical debt is in my friend's name, but the best she can get from her mom is a shrug and a "sorry, it's all gone." So the mom has effectively transferred around $20,000 of medical debt from her old and unwell spouse to her young and reasonably healthy daughter. 
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Jun 14, 2016 18:31
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I disagree. Serve, then sever.
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Jun 14, 2016 18:57
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I was just searching for something on google, and typed "would a h" to start my search and I noticed that the first auto fill result is "would a horse enjoy a bouncy castle".
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Jun 14, 2016 19:19
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Droo posted:I was just searching for something on google, and typed "would a h" to start my search and I noticed that the first auto fill result is "would a horse enjoy a bouncy castle". Well don't leave us hanging here.
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Jun 14, 2016 20:01
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A common cause of death appears to be horses kicking hard objects and breaking legs and/or exploding. So yes, a horse would enjoy a bouncy castle.
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Jun 14, 2016 20:09
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It would probably cause it to freak out and have a heart attack. Good luck explaining that to the guys who come to break it down and bring it back to the rental place.
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Jun 14, 2016 21:12
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Nail Rat posted:It would probably cause it to freak out and have a heart attack. Good luck explaining that to the guys who come to break it down and bring it back to the rental place. The horse or the bouncy castle?
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Jun 14, 2016 23:23
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Weatherman posted:The horse or the bouncy castle? What are you a poor? You don't rent a horse.
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Jun 14, 2016 23:30
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Droo posted:I was just searching for something on google, and typed "would a h" to start my search and I noticed that the first auto fill result is "would a horse enjoy a bouncy castle". 3. "Would a human survive on Jupiter" We're not exactly dealing with the best and brightest here. But I shared this with my SO who is a horse person (sans horse until we're idly rich) and she laughed at it too.
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Jun 16, 2016 23:56
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Dik Hz posted:2. "Would a human clone have a soul" 4. Would a hungry tiger be docile. No it will loving eat you. I still imagine this to be the borg hive mind where they assimilate stupid people and end up performing experiments with bouncy castles and hungry tigers.
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Jun 17, 2016 00:27
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Dik Hz posted:2. "Would a human clone have a soul" Devian666 posted:4. Would a hungry tiger be docile.  Minor regional variations?
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Jun 17, 2016 04:46
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Google personalises some of the response. The tiger one is pretty weird though it's not the sort of thing I'd ever search for (same for horse bouncy castles).
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Jun 17, 2016 05:01
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Devian666 posted:Google personalises some of the response. Anyone else get "would a human body decompose in space"? 
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Jun 17, 2016 05:26
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Moneyball posted:Anyone else get "would a human body decompose in space"? I did too 
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Jun 17, 2016 05:31
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would a hitler rise again....how did they know my interests
Jeffrey of YOSPOS fucked around with this message at 05:45 on Jun 17, 2016 |
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Jun 17, 2016 05:34
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Cookies, man. Cookies. My interests are cookies. What were we talking about?
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Jun 17, 2016 05:39
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Jeffrey of YOSPOS posted:would a hitler rise again....how did they know my interests i got that one, right above "would a hidden blade be effective"
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Jun 17, 2016 06:03
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would a helicarrier be possible What is a helicarrier? I guess I need to click to find out.
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Jun 17, 2016 06:55
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Mantle posted:would a helicarrier be possible Avengers, bro
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Jun 17, 2016 11:09
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Here's a guy that's bad with money and bad with life: https://www.reddit.com/r/DIY/comments/4m7do7/i_built_my_jeep_into_a_house_on_wheels_to_live_in/ He had a Jeep, paid to have a diesel engine put in it, then the engine ate itself and melted everything. His solution? Sell the Jeep and buy another one and put it and his impending trip on credit. What trip you ask? He wants to drive through Africa. By himself. In a Jeep full of expensive poo poo. Surely he won't be carjacked or murdered. Here's his idiot trip map: 
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Jun 17, 2016 14:34
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Inept posted:Here's a guy that's bad with money and bad with life: someone needs to tell this guy that he is missing a few hotspots in his deathroad tour.
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Jun 17, 2016 15:19
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Also he admitted that he funded much of Jeep #2 on a credit card. That's BWM on the bank though because there is zero chance they're ever seeing that money again. Don't worry though the fantastic success of his blog and eBook will pay for everything.
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Jun 17, 2016 15:22
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Inept posted:Here's a guy that's bad with money and bad with life: At least his route avoids ISIS. That's about the only thing good thing I can see. He is going to pass through three different warring factions in Libya though.
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Jun 17, 2016 15:28
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The absolute best case scenario here is someone robs him at gunpoint and takes everything but he makes it back home alive. What a moron.
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Jun 17, 2016 15:30
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I drove a small section of the least dangerous part of that route (namely through Kenya) a few years back, and it was pretty fun. Our guide, who was an important local religious leader, explained to us that collisions with pedestrians happen quite frequently. Cars are relatively rare, and people just walk down the street for many miles to get where they need to go. Everyone just jumps out of the way at the last minute when they hear a car coming, and then go back to walking in the middle of the street. Anyway the guide explained that it was very, very important to flee the scene if we hit someone. There is a lot of class anger at the car drivers and a mob would quickly descend on us and simply beat us to death if we did stop after hitting someone, regardless of the situation. Even this priest had hit people multiple times and had to flee the scene, apparently it's an everyday thing in Kenya. And that's the safest part of his trip by far.
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Jun 17, 2016 15:38
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