Bad w/ Money: I just paid for a fat bitches Electric Cock Zapping Sex Toy in Kentucky

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad w/ Money: I just paid for a fat bitches Electric Cock Zapping Sex Toy in Kentucky

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SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

enraged_camel posted:

Nothing to feel bad about. They made stupid decisions early in life and those decisions bit them in the rear end later on. At least now they are more likely to tell their kids cautionary tales about how to manage one's own money.

I'd be more worried they'd be tell their kids how the big, bad gubmint was willing to bail out the financial companies and car companies, but never took time to help THE LITTLE GUY like ol' pops here.

# ¿ Jul 27, 2013 11:20

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# ¿ May 4, 2024 11:47

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

particle409 posted:

Youngblood #1

What about Rob Liefeld's magnum opus, Youngblood / Bloodshot - This Blood's For You?

Still waiting for a character named Bloodblood.

# ¿ Aug 7, 2013 06:12

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Yeah the elk farmer's operation seems less about being bad with money and more about being unfortunate collateral damage due to bad regulation.

# ¿ Aug 11, 2013 23:36

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Or she knows that way cool "secret" of filing for bankruptcy to make everything OK again. It's like the reset button on a video game!

# ¿ Aug 20, 2013 15:04

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Declan MacManus posted:

When I was a kid we had neighbors who would invested all their money in inventions. They did pretty well for themselves (I think the husband was a pharmacist and the wife was an accountant) but they would invest in the kind of poo poo you saw on infomercials, like videophones, all-in-one lawn trimmers, solar powered phones, poo poo like that. I assume they ended up okay but it was a weird way to plan for the future.

So, they were the Dinks from the show Doug? Mr. and Mrs. Dink (i.e., Dual Income No Kids) always had the latest fishing gear or what have you to show Doug.

# ¿ Aug 31, 2013 00:16

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

I was thinking the same thing in a Goonmeet thread (but didn't say it) where we used to go out fairly often on Wednesdays, but one week a few people said they weren't paid until Thursday, so they wouldn't have money to go out until then and that we should move it back to that day. In my mind of course, I was telling them not to go out at all then.

# ¿ Sep 2, 2013 22:20

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

dreesemonkey posted:

They are the only people that I can think of where leasing makes sense.

Unfortunately, people like real estate/acting/sports agents probably should as well, only because their clients for some reason think the performance of their duties is proportional to the extravagance and cleanliness of their cars. I don't know why else anyone would buy a membership at a car wash...

# ¿ Sep 5, 2013 00:39

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

FrozenVent posted:

Of course, I don't want to think about the number of calories that is

One year during move-out at the dorms, a friend of mine invited me to his room to show me his stack of every Mountain Dew he had consumed over the school year. I don't remember exactly the dimensions of the "wall" he had made, but I do remember that it was right about at 102,000 calories worth of Dew... 51 DAYS worth of RDA on calories. gently caress.

Assuming it hasn't changed in 10 years and 12 oz. was 170 cal back then, that's 600 sodas.

# ¿ Sep 6, 2013 02:46

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

CitizenKain posted:

At the time, my couch sat about 6-7" from the TV and I could get motion sickness if I leaned forward while on the couch.

Inches, you say? That wasn't motion sickness, you were hitting your head on the TV.

# ¿ Sep 13, 2013 20:19

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Why didn't he just throw that down on credit too, or did the PC max out his limit? :doh:

# ¿ Sep 29, 2013 15:15

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

dreesemonkey posted:

I am partially in charge of selling his poo poo that he left behind (like pretty much everything)...

So basically I'll put in a bunch of effort organizing stuff to sell and then none of it will sell because he's expecting top dollar.

So now you add yourself to the thread, because your time is worth little to you? :crossarms:

# ¿ Sep 30, 2013 21:34

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Edit: This is a subject I'm somewhat ignorant about, so please enlighten me:

It does make you wonder exactly how some of these things really sum up to $Eleventy Billion sometimes, though. Educational inflation? Rising med school costs -> Rising healthcare costs to cover? Or rising insurance bureaucratic costs leading to increased care cost? I can't imagine that treatments are getting that real-world more expensive that quickly, unless we're always throwing the absolute best diagnostic and treatment options at every problem, instead of what is a good value.

# ¿ Oct 14, 2013 06:06

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Tonton Macoute posted:

It turns out my girlfriend of three years has been quietly paying off an unsecured loan with a 23% APR she took out around the time we met and putting her monthly budget shortfalls caused by the repayment of said loan on a 26% APR credit card. She still has 8 months of payments left on the loan and it took me a week to talk her into taking money from me to pay the remainder before more interest is accrued. Would not budge on the credit card balance.

I consciously avoid calculating how much interest she's paid altogether and how much of it could have been avoided.

That is so :psyduck:

that it hurts. Would she have taken a payday loan next to cover the shortfalls from paying off the credit card?

# ¿ Oct 31, 2013 18:56

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

That's better then. I debated on whether to post this in the Financial Independence thread or here, but I wanted to get the thread's take on the following article:

http://talkingpointsmemo.com/cafe/why-do-poor-people-waste-money-on-luxury-goods

To summarize, it basically says that in specific favorable circumstances, which are hard to put a finger on, buying luxury goods which enhance your social status and which you normally wouldn't be able to easily afford could open the door to opportunities you wouldn't normally have access to.

I feel that it rides a fine line between teaching unaware readers an important lesson about institutional forces keeping certain types of people from getting ahead, vs. enabling a because-I-want-it attitude to spending, and doesn't really harp on the need to save regularly to where getting these luxury goods shouldn't put you in a precarious situation.

SpelledBackwards fucked around with this message at 04:57 on Nov 2, 2013

# ¿ Nov 1, 2013 21:49

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Or you could live through the shipwreck and survive after being adrift at sea for 76 days (true story).

Unless y'all all have dark secrets, in which case it's a part of the Punisher's plan to have you all turn on each other (less true story).

Or you're actually off course for 20 years and go through unbelievable adventures and trials until you return to a homeland where much has changed (even less true story)

# ¿ Nov 6, 2013 05:52

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

But you can reverse the flow and use it to paint your fence! :psyduck:

I still can't believe this is a line they told me, as if that would convince me to buy it.

I unfortunately let them into my house because they had a Forward Guard street team of two girls who went door to door asking if I was interested in a carpet cleaning opportunity. I thought that it was for a carpet cleaning service, so I was willing to entertain them (especially since I was literally vacuuming when they rang my doorbell). Later an actual salesman came by with the vacuum to give me the pitch, and he understood pretty quickly that I wasn't getting it, but asked me to let him finish since he was paid on a per-demonstration basis. Luckily he warned me that his "manager" would be coming by to try the hard close, and that I'd need to be ready for that.

I was actually quite impressed by the salesman's frank nature and gave him some tips on finishing his way through college. Hopefully he didn't have to keep that job long.

# ¿ Nov 11, 2013 22:38

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Lowness 72 posted:

Last Vegas

I like to call it "Lost Wages".

# ¿ Nov 26, 2013 03:52

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SiGmA_X posted:

Snowball vs Avalanche, I've seen it called. I'm a fan of avalanche, paying off the highest rates first. There can be some exceptions IMO, such as very small notes that you can pay off very quickly. But with student loans, just paying XX and letting 'them' apply the money as they see fit? No thanks.

Especially for loans where any extra amount in your payment only pushes back the date of the next due bill (at normal P&I) rather than attacking the principle directly. :doom:

# ¿ Nov 27, 2013 02:46

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Sorry, you're right. But with Sallie Mae, you had to specify in writing somehow (I forget how exactly) that you wanted to apply the extra to the principle, and the bill due date push-back was the default method of applying extra funds.

# ¿ Nov 27, 2013 03:31

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Volmarias posted:

Which is odd, because when I did rider ed, the course provided low powered dirt bikes for everyone to train on. Having someone bring their own motorcycle to a class to teach them how to ride a motorcycle seems like backwards thinking.

I was thinking the same thing. It scared the poo poo out of me that people who had never shot a gun before were in my CHL class, and all they had was the instructor telling them once how the basic mechanics of loading and firing worked before we were actually using them during the shooting test. How had they not gotten a friend or paid a trainer before to show them the basic operation of an extremely deadly item that was completely foreign to them??!?

Granted, the instructor had crazily draconian rules on how we handled the guns, magazines, and ammunition during and between firing sections to try and minimize any mishandling or accidents, but I was half expecting some dumbass to turn around, weapon in hand and sweeping the entire firing line, if they had a question or malfunction with the gun.

# ¿ Dec 19, 2013 02:24

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tuyop posted:

When your expenses are 40 mil a month that's a pretty sound emergency fund, in my opinion.

I think he meant, in terms of federal insurance of only up to $250,000 per account. I'm assuming his funds are split across multiple accounts AND investment vehicles.

# ¿ Jan 5, 2014 03:43

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Can I do it from the comfort of my home?

# ¿ Jan 8, 2014 04:27

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

That is so Michael Bolton.

# ¿ Jan 14, 2014 04:07

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Strong Sauce posted:

Related video

http://finance.yahoo.com/blogs/daily-ticker/i-earn-six-figures-and-still-feel-broke-215546862.html

The first guy, the one from the video, said that if he had to do it over again, he would have paid down his student loans before saving up for a down payment on a house. Seems reasonable. But I start to wonder if he even had a down payment in the actual scenario, since the article said his mortgage started with an interest only loan period. I doubt that down payments and interest-only loans go together often.

When will people learn that balloon mortgages and interest-only terms are setting yourself up for disaster? It's not hard to see that you would get nice and comfortable spending only tiny amounts on your house (effectively more like renting at that point than paying down your mortgage), increasing your spending to expand into amount "saved", and then be in all out loving :supaburn:

panic when you realize you have to up your monthly mortgage payment at the end of the initial term?

SpelledBackwards fucked around with this message at 22:06 on Jan 18, 2014

# ¿ Jan 18, 2014 22:03

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Harry posted:

They were handing those out to basically everyone back in 2007. Down payment or not.

Fair enough. My dad has some weird ideas about the stock market and technical analysis voodoo, but I'm thankful he and my mom insisted I go for a fixed rate and 20% down when I bought in 2008 (including a small cash gift from them to help complete the down payment).

...And for him buying me the book The Millionaire Teacher for Christmas in 2011. I wish I hadn't waited a year and a half to read it, but it completely changed my outlook last year on saving, investing, and understanding the idea of having your money work for you. Now BFC is by far the subforum I visit most. Thanks, goons! :smaug:

Edit: That book and the FI megathread here have convinced me I'd rather put my recent savings into taxable mutual fund accounts rather than do what my dad was insisting last year and riskily extend myself to buy a 2nd home and use my existing one as an investment property. But if my situation changes and that becomes a reasonable route, I know how to evaluate the pros and cons thanks to everything I've learned in the last year...

SpelledBackwards fucked around with this message at 12:02 on Jan 19, 2014

# ¿ Jan 19, 2014 11:57

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

TLG James posted:

Honestly, it seems like that unless you are a handy man type of guy, there isn't a lot of money to be made. And it can end up poorly if stuff like you need to replace the furnace or something like that. That could take years to pay back with rent.

I've come to the same conclusion for now, given HVAC and water heater replacements I've made since moving in, and that doesn't even include negative cash flew of having two mortgages if the 1st house ever sits empty. I have done a good job of convincing my parents that it isn't for me. They were only insistent because they could feasibly do it (and did start 1-2 years ago) because their house is paid off and they've got other assets.

But I'm not to quite so flush with money, nor am I all that handy. My new flooring and back patio I did myself with a friend, but it was entirely through his direction and expertise (and my funds)... he just enjoyed having a project to do. Now that he bought his own place that's 200 miles away, he has plenty of projects there, and my house drops on the priorities list.

# ¿ Jan 19, 2014 21:35

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

tuyop posted:

I love audiobooks and podcasts and sometimes wish I had an hour-long commute so that I could get caught up with my TAL backlog. A fifteen-minute train ride gives me no time for Ira!

If only there were some way to get ready 45 minutes earlier as if you did have an hour long commute, and sit and listen to it in your living room.

# ¿ Jan 25, 2014 04:00

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Volmarias posted:

He's still... baited?

I figured b8'd to mean 'bated as in probated. But really he was b& (banned)

# ¿ Jan 28, 2014 16:53

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HelloIAmYourHeart posted:

Sounds like you need your own thread!

Agreed. I had enough of a :psyduck:

while reading that, that I think you'd benefit from special attention.

# ¿ Feb 11, 2014 14:56

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Leroy Diplowski posted:

I just went with a friend of mine last night to buy a car... and let him use my work van for a couple of weeks... He was finally able to get a clean '96 escort for $900 cash yesterday from some old dude who used to be an airplane mechanic.

I choose to read that as, instead of saving for a car, he spent $900 on an 18-year-old hooker whose pimp is a mechanic. That fits better with this thread.

# ¿ Feb 20, 2014 00:57

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

All I know is, the banker starts with more dollars to buy supplies for his wagon (staples such as sugar, flour, bacon, and peperony and chease). But if you win as a farmer, I suppose that's more baller street cred.

# ¿ Feb 20, 2014 06:25

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Noggin Monkey posted:

Wait, that's not slowmo!? Link please, I need more schadenfreude.

All three quotes in his post link to the relevant thread (see "EN Bullshit posted" in the header for each quote). For example:
http://forums.somethingawful.com/showthread.php?goto=post&postid=426101781#post426101781

# ¿ Feb 24, 2014 05:11

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oxsnard posted:

Yeah bad decisions + youth + predatory practices of for profit colleges is the stuff of nightmares. Those schools are probably the most corrupt and indefensible industry in America today.

The Onion strikes again:

Parents Urge Son To Invest In Improv Comedy Education
http://www.theonion.com/articles/parents-urge-son-to-invest-in-improv-comedy-educat,35452/

# ¿ Mar 9, 2014 03:29

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Bisty Q. posted:

If you join ACN, though, you get to do this:

https://www.youtube.com/watch?v=ler-4LwiaWk

I can't remember what thread I saw that in, but yeah, no loving clue what the hell is going on in that video. I definitely remembered the "clients" going all :eyepop:

at the car's loadout. Super professionally presented with the IHOP meeting and gym shorts.

# ¿ Apr 8, 2014 23:45

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Because somebody or a credit card has always bailed them out in the past?

Edit: V V V I had never heard of it either until the high school robotics team I mentor used it to start raising money for our trip to the world championships. Our last day to get funds is today and we've had some really good donations coming in. It's been fantastic for the kids since we're not a very wealthy school. Obviously that's not for personal/selfish gains, though.

SpelledBackwards fucked around with this message at 03:03 on Apr 12, 2014

# ¿ Apr 12, 2014 02:52

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

MickeyFinn posted:

I know this is late, but I didn't have internet access or time last week: I'm confused, is the worthy thing supposed to be the meal or the women? Your use of 'they' has left me hanging. I thought this was simply to see if the person paying would flinch.

He means the women are trying to show they are high class and worth a lot by ordering an expensive meal. As in, that'll show the guy paying that she is worthy of being bought an expensive meal, and that it's not a waste of his time and money to do so. Pretty stupid supposition, but that's how some people operate.

# ¿ Apr 20, 2014 01:00

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

Trilineatus posted:

I'm a she, and that is the essence of it, but also to show their expectation of a suitor, implying that meeting the high bar of buying lobster that suitor will be making a positive impression on a valuable commodit- um, lady.

Some women try and play off of the same psychology that makes diamonds valuable. Demand and false scarcity! Look how much others want them! Look how expensive they are!

Story: watched someone in line at the record store get three cards declined in a row and still purchase their Iron Maiden and Mos Def vinyl on a fourth card

Edit: I feel I should also add that the attitude of those women is a social construct that rewards women who conform and punishes women who don't, as "giving it away for free" makes you like, three times the whore, right?

(gently caress I hope I don't sound like I support the patriarchy )

May the Frisky Dingo thread light the way.

Olivia: No I don't want no drat nachos! I thought you were taking me to a nice restaurant!

Ta'quil: Well I would have... if you would've dressed appropriately.

# ¿ Apr 20, 2014 05:53

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Guest2553 posted:

Yes. Aside from speaking to dependability (bailing out on commitments) being hugely underwater is an in for spies and poo poo if they can pay you off for secrets.

That's not the question he was asking...

# ¿ May 5, 2014 02:47

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

I am OK posted:

Plenty of teens, including me, make that commitment.

For reals. My retainer's a permanent out-of-the-way fixture in my lower mouth (well, was until most of it ripped out a decade later when I bit into a hard pear). And I'm really glad I got them, because my smile definitely looks so much better with them. I even heard my parents saying once in a different language I don't speak that they were glad they got me braces, because it was better than my brother's smile for whom they didn't get them. I didn't have to speak the language to know what they were saying.

# ¿ May 17, 2014 05:21

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# ¿ May 4, 2024 11:47

SpelledBackwards: Jan 7, 2001; I found this image on the Internet, perhaps you've heard of it? It's been around for a while I hear.

100 HOGS AGREE posted:

Yeah I'd always take the annuity, I'm not the kind to blow through money but I'd rather have that regular payout either way.

At least in Texas, if you don't specify you want the annuity, it'll default to the lump sum cash option.

On top of that, people who want to rashly spend money will find a way. You know those "It's my money, and I want it now!" commercials from J.G. Wentworth? Those are structured settlement deals... if someone wins a big out of court settlement that would normally be spread out over a long period of time, but the plaintiff wanted $$$ right now, law firms like that are happy to convert it into a lump sum up-front windfall for you. For a fee, of course. You sign over the rest of the settlement payments to them, and they give some fraction of the worth to you as instant gratification.

You'd better believe these places are gonna target lottery winners and athletes/actors who sign large multi-year or multi-project contracts.

# ¿ Jun 11, 2014 02:34

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad w/ Money: I just paid for a fat bitches Electric Cock Zapping Sex Toy in Kentucky

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