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"Furnished apartment" is code for "only price-insensitive tenants need apply", the world over.
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Apr 10, 2015 15:56
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Aliquid posted:If you have no debt, who is cashing your car payment checks? I'd have a word with them. The leasing agency? I don't consider myself to have debt to my landlord, maybe that's unreasonable.
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Apr 16, 2015 03:39
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BEHOLD: MY CAPE posted:Insurance rates for different cars are so weird and unpredictable I've stopped trying to make sense of it. As my cars have gotten nicer my insurance has gone down. I have two cars which are more than 4x difference in MSRP, the more expensive one is brand new vs 3 years old, and they have nearly identical insurance costs. (The more expensive one has a $1000 deductible vs $500, I guess, but still.)
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Apr 27, 2015 02:37
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When I financed a TV years ago (0% as long as I keep up with payments? yes please), I got a store card in the mail linked to the credit that was established for the financing. It was only usable with that store, but it appeared as a credit card on my report.
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May 6, 2015 15:02
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I think these people are not blessed with an abundance of planning capability.
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May 11, 2015 19:21
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Knyteguy posted:http://www.marketwatch.com/story/survey-says-wed-rather-eat-out-than-save-money-2015-05-14?dist=afterbell Your wife really appreciates it, though.
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May 14, 2015 21:58
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Weatherman posted:Hell, they said that the amount they gifted to the banks was enough to pay off every outstanding mortgage. Now in an economy based on consumption, what kind of effect would you say freeing up a $1000-$2000/monthly payment in every household would have, as compared to shifting some zeros from the right of one bank's ledger to the right of another bank's ledger? I think it would cause a step-function increase in house prices and rents, and then everyone taking out a new mortgage to try and trade up.
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May 20, 2015 17:10
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Dessert Rose posted:Seriously the layout is awful in every Walmart I've been in. They're enormous stores and yet they still manage to make the aisles a claustrophobic nightmare. They want merchandise density and people to be exposed to a lot of items as they wander around. Nothing about it is an accident.
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May 20, 2015 22:25
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Blackjack2000 posted:My mom spends hours each evening working on charts, totally uncompensated, in complete violation of labor laws. I told her she has Stockholm syndrome and she just laughed and said most nurses do. poo poo, she might as well be a teacher.
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May 21, 2015 02:30
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The Mandingo posted:It's like a reversed prisoner's dilemma - there's no reason to be anything but greedy in this case. Except all the reasons that motivate charity, really.
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May 29, 2015 00:07
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Inverse Icarus posted:That's what I keep trying to tell my dad but it's like talking to a racist, conservative wall. Free healthcare and foodstamps is pro-small-business! A couple of VC friends told me, pre-Obamacare, that the startups they funded in Canada had an easier time attracting experienced candidates because running without employer insurance for a while wasn't rolling the dice with permanent poverty or untreated medical conditions for their family.
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Jun 3, 2015 02:30
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Room for carry-on, sitting down and reading my Kindle vs standing in line. Plus the sense of superiority.
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Jun 9, 2015 00:56
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High Lord Elbow posted:Under the seat in front of you, the airport lounge until final boarding, and if sitting in a slightly larger seat makes you feel superior, you aren't. I'm tall, so I want the space under the seat for my huge man-feet. But yes, I need all the ego-stroking I can get.
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Jun 9, 2015 01:17
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Free public chargers are great, because I can't charge at home.
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Jun 9, 2015 18:32
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Not a Children posted:My friend has been paying his ex's rent for the past half a year. To help her resolve her issues of underemployment, he's encouraged her to get a masters in library science. "She wants to be a school librarian! Nobody wants to do that!" he says. When I tell him that that's probably a pretty terrible idea, his first reaction is to ask me for sources on that and accuse me of fearmongering. My wife has a masters of library science and years of previous experience, and has been looking for a job for 3 years. Nobody is making new librarian positions, and no librarian can afford to retire, so you basically have to wait for someone to die.
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Jun 15, 2015 23:39
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Krispy Kareem posted:Library science is probably the costliest education for the least amount of money. It's crazy how much education you need for a job making 25k a year. My wife would routinely see positions that wanted a masters in something like chemistry as well as an MLIS, with a salary in the mid-40s in Silicon Valley. I guess those people exist, somewhere?
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Jun 16, 2015 03:00
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Aquatic Giraffe posted:Where are you finding job ads with actual salaries listed? I've only ever seen "compensation based on experience" or other code words for "we're going to lowball you as hard as we can" unless it's a minimum wage hourly job. When colleges are hiring staff positions you often get a salary range I think, because it's structurally linked to the position's level, and maybe to union contract.
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Jun 16, 2015 03:22
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Libraries also have collections that are curated rather than distorted by SEO. Pretty important for a lot of their patrons, especially in the case of public libraries. For a good time, ask a medical reference librarian how he or she feels about doctors using Google Scholar. Libraries are very good with money, given services they provide even beyond book availability. They offer a touchpoint for a lot of social services, computer skills training, Internet access and similar to people for whom it's necessary with money, not just good.
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Jun 16, 2015 20:28
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It's in everyone's interest to have a strong education system, whether their kids take advantage of it or not. Investing in education rather than dealing with the consequences of an undereducated society is good with money.
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Jun 29, 2015 19:10
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Powerlurker posted:He was staying at home with the kids so he wouldn't have to pay child support to his first wife and kid (ending up at age 24 on your second wife with a child support obligation is BWM to begin with). Most jurisdictions have a concept of imputed income such that if voluntarily un/underemployed the spouse can still be evaluated -- for purposes of support payments -- to have the income that they could earn if they didn't choose to be unemployed. Not talking to a family lawyer may be BWM for his first wife.
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Jun 30, 2015 01:32
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Powerlurker posted:My suspicion is that he had his first kid at a point where he didn't have much of a baseline income so his initial child support payments were probably fairly low. That affects spousal support, but child support can shift with (real or imputed) income by either parent. It's still his kid, he didn't divorce him/her.
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Jun 30, 2015 14:35
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What's the constitutional basis for capital controls? Is it something in the banking regulations?
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Jul 1, 2015 02:38
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What would it being Tier 2 signify?
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Jul 1, 2015 02:49
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pig slut lisa posted:Is salary discrimination against overweight women a thing? I bet it's a thing. 100% a thing.
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Jul 1, 2015 05:18
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Rudager posted:Thats like $65/day, or $22/meal (assuming 3 meals a day). $10 on breakfast, $20 on lunch, $35 on dinner isn't that hard to do. Hell, some companies have per diems more than $65 for traveling.
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Jul 17, 2015 02:25
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Have brunch at a financial counseling centre.
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Jul 17, 2015 23:13
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Zeppelin Insanity posted:Actually, I'm in the UK, and it was https://uk.trustpilot.com/review/www.vanquis.co.uk Bartell posted:This card is good for any shortfall of purchase, the only downfall is ive had the card a year and not had an credit rise, other than that its good for helping build crefit bk up Other than that! They must be pointing people at this site to elicit positive reviews, nobody loves their credit card company as much as these people.
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Jul 20, 2015 09:44
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Solenna posted:My honeymoon was BWM. Went to Hawaii for a week with reasonably priced tickets, a great deal for accommodations, rented a Mustang because it was less than a hundred bucks extra over a compact car, and then spent well over a thousand bucks on food, with multiple >$200 CAD suppers. We're still overall positive income for the month, but Sounds good with money to me.
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Jul 27, 2015 23:57
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is a pretty good visual of when we looked at Mint and saw how much everything was after the exchange rate conversion.
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Dik Hz posted:Also, humblebrag > D&D labor policy discussion. Yeah, but "gargling shards of glass" > D&D labor policy discussion.
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Jul 28, 2015 03:47
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And maybe talk to his insurance broker.
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Aug 5, 2015 02:42
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One new suit a month is pretty restrained, even.
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Aug 5, 2015 04:01
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ChipNDip posted:A lot of the people without savings probably have fat pensions as well. I would be surprised if it was as much as 25%, but my opinion is totally unburdened by facts.
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Aug 13, 2015 03:09
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pathetic little tramp posted:Ugh yeah I remember there's something there - russian benzos will kick you off the moon, so you don't want to do that. I know if you have spare darknet 10ks you can annihilate the moon monsters in one hit (it's your special attack), but there's some sort of trick to getting around the moon when you first get there. You have to find a key... oh! Turn around when you get to the moon and use some weasel dust, you should see a ladder and if you go to it, it unlocks the dungeon on some other menu, if you get through the dungeon (kinda tough on the third level because the troll king has a lot of HP, I think the katana is actually less effective) you can get the key. I don't have anything to add, I just wanted to touch this beautiful jewel of a post.
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Aug 23, 2015 04:17
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BWM is finally moving money from a money market account to index funds...last week. 
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Aug 25, 2015 16:56
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GoGoGadgetChris posted:Only BWM if you sell it now! True, and I'll probably move more this week because long-term Vanguard is better than a glorified checking account. Thanks, GWM-bro!
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Aug 25, 2015 18:02
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Placebo is a real thing, and triggering it is a reasonable thing to do, though preferably at a lower price point.
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Aug 26, 2015 14:55
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I dunno, I had to look into how to finance my similarly-priced car because I hadn't really done it before. I ended up not doing financing, because my credit history in the U.S. wasn't going to get me a good rate, but the poster is putting 40% down and if they have the cash flow for the payment, what's BWM?
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Sep 1, 2015 17:53
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Or that limit could be so that they preserve their preferred liquid reserves. You wouldn't buy a $130K car, that's fine, but if that's what the car you want costs and it fits in your finances, it's not BWM. It's possibly even the result of having been GWM previously.
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Sep 1, 2015 18:29
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melon cat posted:It's bad with money because the massive cost of the loan will cannibalize any fuel savings that having an EV would otherwise save you. But then again, maybe that guy just wants a really expensive toy. So not optimizing for fuel costs is BWM? Only one good-with-money car out there I guess. I certainly wasn't motivated by fuel expense savings. Getting a panel replaced wasn't cheap, but didn't have any material financial effect on me. OTOH, it's awesome to drive, a tiny environmental contribution, and the safest thing on the road. All of those are things I was willing to spend money on, financed or not. I would have taken way more than 50% LTV if I'd got a good rate, because investments are outperforming the rate I was after.
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Sep 1, 2015 18:35
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GoGoGadgetChris posted:If their primary bank (the bank with the best understanding of their financial picture) would only offer $50,000, and they are going to get a loan for $70,000, why is it a bold assumption that the loan payment will represent a very high percentage of their available cash flow? Because credit history and not just cash flow affects loan amount? My first car loan was capped very low relative to my cash flow (about 10% of my gross) because I hadn't established credit history in this country yet.
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Sep 1, 2015 18:42
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