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SpelledBackwards posted:I don't care for coffee, but my chosen alternative is cheap caffeine pills. I get tablets which aren't easy to cut in half, but it's fine for me to take slightly large does (about 220 mg per pill) since I'm not very caffeine-sensitive. And I'm only getting caffeine, as opposed to all the other stuff you have in a sugar-free energy drink. I know coffee has other benefits, but I can only drink it diluted very greatly with hot chocolate or milk & sugar that it's hardly coffee and certainly not healthy at that point. Just the smell of black coffee turns my stomach, and if any drink is too strongly coffee-flavored to me, I'll get nauseated from it later. Caffeine pills don't make you poop like coffee does, though. Then again, they also don't turn your teeth brown.
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Sep 22, 2015 17:13
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quote:pay for spotify lmao
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Sep 25, 2015 20:23
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Nail Rat posted:I pay for spotify premium 
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Sep 25, 2015 22:12
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Jeffrey of YOSPOS posted:Those programs are set up intentionally to incentivize people to do just that. That is their goal, for better or worse. Do you feel similarly negatively about people who contribute to IRAs and 401ks? You can do a great deal of "tax dodging" with those as well. Governments use tax incentives to mold people's behavior intentionally, I don't think it's wrong to participate in such programs in the intended manner. It's fine to criticize the program but I don't think less of anyone using it. Sorry, I don't buy this at all. Filing for bankruptcy to discharge hundreds of thousands of dollars of debt is categorically different than using tax-sheltered accounts to save for retirement. The former is an unintended consequence of the rules and policies of the system. The latter is very much intended, because the government wants to incentivize people to save for retirement so that they don't starve once they stop working.
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Sep 27, 2015 23:00
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Women absolutely do get paid less for performing the same jobs as men. Not sure what you guys are smoking.
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Sep 29, 2015 15:44
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Tigntink posted:It seems to be a lifestyle alot of dudes actually like. My husbands parents are actually way way way worse together now that he isn't deployed for 6+ months on a sub. They basically start to fall apart after being around each other frequently for 5 months and so every time his deployment came up it was a godsend. Now that he's retired he is a teacher and they start to eat at each other hardcore when he's on summer vacation so he always volunteers for summer school. He's due to retire from his 2nd career and I fully expect one of them to murder the other or just like live in separate parts of the house with in a year. Your husband's parents sound like they are BWM: bad with marriage.
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Sep 29, 2015 19:12
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BraveUlysses posted:How about BWM: corporate edition? It was good with money at the time, and only turned into bad with money because they got caught!
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Sep 29, 2015 19:37
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KYOON GRIFFEY JR posted:VW decided to not use SCR, which was an incremental cost of $350/car. I actually would be surprised if whoever made the decision to cheat the system also didn't set aside a slush fund to pay for the inevitable discovery and the resulting penalties.
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Sep 29, 2015 21:24
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Space Gopher posted:If they did that, they'd be cutting into their revenue numbers, which was what drove the whole cheat in the first place. Not really. They would simply be planning for contingencies. The corporate equivalent of a "rainy day fund", if you will. They would still generate the same revenue, and they could spin the rainy day fund as "reinvesting back into the company". quote:And, more importantly, if you set something like that up, it completely destroys your ability to pass the buck. There's already a ton of finger-pointing going on as more details come out. If somebody set up a slush fund, it's as good as admitting fault. I think as long as they didn't call it "The Slush Fund for When We Inevitably Get Sued" they would be quite fine. I mean, really, do you realize how creative corporations can get with their accounting? It's very easy to hide things in plain sight if you're even a semi-competent corporate accountant.
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Sep 30, 2015 00:36
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Pompous Rhombus posted:IDK where BWM comes in there. Doing 20 years in the military and getting to collect that pension, then moving into a second career (which itself may have a pension) is pretty GWM. I said marriage, not money.
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Sep 30, 2015 02:06
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Vahakyla posted:I have to say, driving a car you like or want is also an experience that's hard to explain. I really wanted a Mustang with 99-04 body style and I got a 2003 with mint paint, but broken syncros of the fifth gear, a hosed gauge cluster, a broken seat and occasionally working blinkers. Yeah, but you haven't traded it in for something else a few weeks later, right? Nothing wrong with being a car enthusiast if you have the money for it. The BWM types though keep buying cars and trading them in until they're deep in debt.
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Sep 30, 2015 05:38
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RICHUNCLEPENNYBAGS posted:No it isn't; bankruptcy exists to allow you to do just that. Bankruptcy exists to rescue individuals out of unforeseen difficulties in paying their financial obligations. You're going to have a hard time getting your debt discharged if it comes out that you were planning to do it all along, and knew from the start that you wouldn't be able to pay all the debt you accumulated.
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Oct 7, 2015 00:09
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Jeffrey of YOSPOS posted:That doesn't make that much sense - by definition, by the time he's paid it off, his boss has had to pay him a good bit more than £1600. Yeah, but he's providing labor for that salary. The payment plan would be to make him pay off the extra he owes the company.
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Oct 10, 2015 18:58
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Nail Rat posted:Iphones are literally garbage and even if they were the same price they'd be a bad purchase no you are wrong because
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Oct 11, 2015 05:31
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pig slut lisa posted:
She probably donated to herself.
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Oct 12, 2015 09:29
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cowofwar posted:Except they're engaged and should hopefully be at a point where they understand and respect each other. Some people can apparently spend years together without actually talking about anything important. Although I'll bet this dude just made passive grunts while leveling his paladin. lol
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Oct 14, 2015 00:41
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mastershakeman posted:50k is a reasonable wedding amount these days for most people, just FYI. that's because most people are bad with money, hth
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Oct 14, 2015 05:44
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Jeffrey of YOSPOS posted:Yeah average is going to be skewed by the crazy high ones that are orders of magnitude beyond typical. Median/percentiles are the right statistics to use. yep, mastershakeman is bad with statistics
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Oct 15, 2015 00:41
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Devian666 posted:a degree in poetry 
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Oct 28, 2015 23:24
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NancyPants posted:You have a point about missing the forest for the trees, but that poo poo makes everything else you deal with even more expensive. Your car insurance rates rise, any other loans or credit lines have their interest rates raised, it's harder to get even a checking account. Credit ratings are bullshit. I mean Jesus, in the US, employers have the right to ask for your report. Sure, legally you can refuse, and they can legally not hire you. Then there's this disgusting practice of new jobs looking at your old pay history to determine what to pay you at a different company for a different job. Yeah, exactly. Worrying about credit score is not BWM at all. Credit scores affect a poo poo ton of stuff. Credit worthiness determines the rates for most payments, and can even have an impact on the person's career.
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Nov 2, 2015 01:09
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BloodBag posted:I guess something good has come of this thread. My wife uses her personal account to do her etsy stuff. I'm talking with her tonight about opening a business account because I don't want her stuff to get frozen like that combative dickweed. I had no idea there was even a difference, so, thanks fellas Hey now, good stories are not allowed in this thread!
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Nov 9, 2015 17:45
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I've been using USAA for many years and haven't had a single issue. The personal accounts have no fees, and if I remember correctly they reduced the fees of their business accounts a few years back, which is basically unheard of in an industry where all the major players are desperately trying to find new ways to gouge customers.
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Nov 10, 2015 17:47
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I would never ever hire a salesperson who is a total retard when it comes to negotiating his own loving salary. He may be Bad With Money, but his company is also Bad With Hiring. The 12k per year they "save" will gently caress them many times over.
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Nov 13, 2015 04:21
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Suspicious Lump posted:Being an idiot with math does not equate to being a poo poo salesmen. IMO they are not related, if they were then lots of math majors would be millionaires. It's not that he was an idiot with math, but rather an idiot when it comes to negotiating, and way too naive in terms of expectations.
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Nov 13, 2015 22:38
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Devian666 posted:No. People don't understand that you can't eat gold or silver. Growing food and brewing/distilling alcohol would be very high value activities. Next clothing, shelter and medicine would be high value. Everything beyond that is a luxury in that scenario. Way to miss the point. The reason currencies prevailed over bartering is because they provided a shared medium of value and made trading far, far more efficient. For instance, if you have a box of nails and need five Oxycontin pills, you can first sell them for an ounce of gold, then use the gold to buy the pills. The person who has the pills does not have to need a box of nails, and if they need five chicken legs, they don't need to first find a chicken farmer who wants pills: they can just use the currency to buy them. That is not to say that gold would necessarily be that currency in the event of an economic collapse. In the Nazi concentration camps during World War 2, cigarettes were the currency, for example. That's why investing in gold and silver is stupid.
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Nov 16, 2015 01:29
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Desuwa posted:I can understand why people hoard physical gold; they're confused, afraid, and think it'll be useful as currency. Their mentality is pretty simple and easy to understand: "gold and silver were used as currency in the old days, so they will probably be used again if our fiat economy collapses." It's one of those things that s end logical on the surface, but of course isn't.
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Nov 16, 2015 02:52
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Krispy Kareem posted:Bronze was used as currency too. Where are the bronze bugs? I think you just discovered another source of post-apocalyptic wealth. Quick, buy up all the bronze before this occurs to the other enlightened folks!
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Nov 16, 2015 03:06
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baquerd posted:You missed his point entirely - for every goldbug that actually has physical gold, there are quite a few who are simply holding certificates for that gold, shares of gold mining corporations, or shares in a gold mining MLP. Same difference.
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Nov 16, 2015 11:17
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cowofwar posted:She only has $20k high interest debt. That should be consolidated and paid off first. She may need a car, but a $26k car??? She needs to get rid of it and buy a used civic for $4-5k. That alone would save her a whopping $550 a month, with which she can use to pay off her high interest credit cards.
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Nov 16, 2015 17:43
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Yeah, that's crazy too. This line makes me go  quote:We are trying to be frugal with our food budget and both love to cook, but being involved with nutrition means that we spend a little more for healthy/organic foods. vvv yeah i was trying to be ironic and edgy but changed my mind 
Slow News Day fucked around with this message at 18:04 on Nov 16, 2015 |
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Nov 16, 2015 18:01
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Prenups exist for exactly these types of situations.
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Nov 17, 2015 01:56
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Dr. Eldarion posted:There is nothing inherently wrong with that. If you have the extra money, feel free to spend it however you like. What? Are we now drawing a line in the sand whereby the only people who are Bad With Money are those who are in serious debt? I don't care what anyone else says: buying overpriced junk food and drinks is Bad With Money. Whether they have extra money for such purchases is irrelevant.
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Nov 18, 2015 17:39
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KillTylerDurden posted:Edit, link: https://www.reddit.com/r/personalfinance/comments/3t89ut/my_past_has_caught_up_to_me_irs_found_28k_i_made/ He just needs to fill out Form 345A, Application for a Jail Room Facing the Courtyard.
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Nov 19, 2015 00:44
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OldMemes posted:So they're spending £24 grand a year to stop their kids having to mix with the poors? Is private primary school worth it? That's when you learn social skills and the basics, it's probably better for your kid to mix with other kids from a range of backgrounds. If you want the elite school thing but without the £24000 debt, just hire a tutor when they're ten, get them to pass them the 11 Plus exam and hope they can get into a Grammar School. I don't know about the UK, but in the US private school can absolutely be worth it, especially if you live in a state and/or a neighborhood with lovely public schools. And there's a lot of those. There was a really good article on the NY Times about Massachusetts's rejection of common core testing. Top comment explains it pretty well: quote:I'm a public school teacher who sent both of my children to very selective private high schools (one went to an all-boys school and one went to the all-girls school that Bill Gates' wife attended) after they attended K-8 in public schools. If even public school teachers, who themselves make not that much money, are sending their kids to private schools, you know something is up.
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Nov 23, 2015 01:22
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