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enraged_camel posted:Aren't you the troll who posted that fake photo, saying it's the one the OP sent you via PM? defectivemonkey fucked around with this message at 00:05 on Aug 27, 2015 |
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Aug 26, 2015 23:52
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| # ¿ May 15, 2024 22:48 |
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This is a thing to PM me about and I probably would have told you yesterday when I PMed you if it was true but that's not a real thing. So carry on posting as long as it's more substantial than "OMG I THINK THIS IS FAKE" because that is boring and if you have actual evidence you should send it to me instead of  ing. In thread content news: is it Bad With Money to pay $180 for warranty transferability on a new A/C and furnace? I will very likely move within the warranty period.
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Aug 27, 2015 00:18
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My sister buys limited-release diaper covers that apparently have a big following and cost about $50 each. Sometimes people pay over $100 for older patterns. These go over a cloth diaper. Which a baby wears to catch its poop. $50. I think we can all, liberal arts and STEM majors alike, come together against this practice.
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Sep 9, 2015 18:34
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It would also count against your hard inquiries.
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Sep 15, 2015 14:25
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BarbarianElephant posted:Good with money if you have no storage and don't want to haul 10lbs of potatoes home on the bus. The times I walk to the grocery store are always the times when they have get one free deals on giant bags of onions and potatoes. Good with money and muscles.
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Oct 19, 2015 21:48
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BarbarianElephant posted:Most times the offer seems to apply to one of the item in question, oddly enough. So 2 for $5 works out as 1 for $2.50. Good if you are not planning to make a gallon of soup. Oh yeah it is peak BWM to my realize that when something is 4 for $5 you don't actually need to buy 4. But buy one get one doesn't work, and you can sauté onions with celery and carrots and freeze it in portions for extra-fast soup.
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Oct 19, 2015 22:16
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GWM is also getting a men's cut if you're a woman. I save at least $10.
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Oct 20, 2015 02:12
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Tea.EarlGrey.Hot. posted:I didn't know you could do this! I always keep my hair short but pay as much as a women's cut It's partly that my hairdresser likes me, but I would probably say something if my appointment was about 15 minutes and I was paying for the women's cut.
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Oct 20, 2015 02:44
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DrSunshine posted:If that's the case, I wonder if it'd be GWM to start a payday loan business? GWM is often BWMorality.
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Oct 21, 2015 16:04
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mastershakeman posted:There's a goon who lives on a boat in Victoria to save on rent, he's done it for like a year now. That's cool. Victoria is in the PNW so it gets below freezing a few nights a year. Minnesota is basically where Santa lives. Running an electric space heater all day, besides being insanely expensive, is definitely going to cause a fire at some point, right? Or is that how you plan to melt the ice so your house doesn't sink?
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Oct 23, 2015 05:33
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jarjarbinksfan621 posted:Is it really that expensive? Even if you ran it 24/7, a small space heater is probably under $100 a month in energy bills. jarjarbinksfan621 posted:Is it really that expensive? Even if you ran it 24/7, a small space heater is probably under $100 a month in energy bills. I relied on space heaters for a couple weeks when my heat when out last year. The cost was at least comparable-ish only running it when needed (so not while we were at work or could hide under blankets) but a small space heater isn't going to cut it at all. Also the bigger issue is you definitely aren't supposed to run those when you're not home. And not in a "the manufacturer has to say that" way but a "a thing I just googled said that 32% of home heating deaths are due to space heaters" way.
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Oct 23, 2015 18:11
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Hot Dog Day #91 posted:What's funny is Arizona state is pioneering online degrees without being an awful excuse for a school. Of course, an online BA in legal studies is still bwm. Online degrees through legitimate schools are, in my experience, GWM (as degrees go which is obviously debatable from this thread's history). Online degrees, or traditional degrees, from diploma mills are not.
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Oct 27, 2015 22:40
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Not a Children posted:That's bad, but it's not horrifically bad. That person is well-employed (doesn't ~$4000 in monthly take-home pay mean a salary around $65-70k?) and is still managing to sock away reasonable savings. A 9 year pay-off schedule for nearly $200k in debt isn't that bad. Not to say it wasn't a stupid decision in the first place, but it's nice to see that as long as they stay employed they've got a reasonable path out. Yeah, it should be about 70k. But if they're freelance I doubt taxes are being taken out of the paycheck so hopefully they've factored that in. Or that's what the savings budget is for.
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Oct 29, 2015 19:17
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Antifreeze Head posted:If wants that pile of cash to vanish, he should probably buy a horse. Get some horse equity
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Nov 3, 2015 17:16
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Tyro posted:Having used both companies, it's worth it just for the level of service they provide. I have locked myself out of my car more than a few times because I am a dummy and they've always sent someone out at no charge. I haven't even gotten a "dude this is like the second time this year what the gently caress is wrong with you?"
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Nov 11, 2015 03:55
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There is a Starbucks within walking distance of my office so I can stretch a trip into a two-mile midday walk. But yeah, I have a hard budget limit on it and it's one of the first things that gets decreased when needed. It's more Bad With Tastebuds than Bad With Money.
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Nov 18, 2015 16:56
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Nail Rat posted:Same, actually. Making it fun would be the tough part, unfortunately. But shame then somehow for taking that option. Like they immediately blow 10,000 making similarly poor financial decisions.
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Dec 14, 2015 17:12
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melon cat posted:At this point, I really don't understand why anyone would buy a VW. One of my buddies recently bought a new (financed) Tiguan, because "The whole scandal means I'm getting a good deal on it!" It's amazing what people will let an incoming baby talk them into. I had a coworker lecture me for a good 15 minutes about how I need to buy a bigger house now before we add a baby in December.
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May 29, 2016 19:28
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From a pregnancy message board: quote:Hey everyone.My name is Claudia, and am 30 and going to be a first time mom. After a 2 1/2 year long distance relationship, I finally moved in with my boyfriend. The move itseld, me bying into this (now our) townhouse and getting a new (preowned) car and the fact that I also support a horse and a large dog, all is taking a huge toll on my line of credit. I am working full time at a hospital as a technician and I took an additional job mucking out stalls at a barn for 15$/h, which I do every day I am not at the hospital (doing 12 hour shifts there). I am exhausted and tired and still don't feel that I am making much progress in paying my 10K off. I don't want to give up my horse but I also need to start shopping for baby equipment. There is not a real question involved here, only hoping for a few kind words and maybe others stepping forward in a similar situation. "I don't have a question, just please tell me how I can be 10K in credit card debt and have a baby and keep paying for my horse tia!"
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May 29, 2016 20:14
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Suspicious Lump posted:Long distance relationship straight into living together... ok not bad. Debit to move, ok ok, reasonable you have a fulltime job and you're taking one extra work. So far we have a couple recommendations for Dave Ramsey's course (which is $100?), a suggestion to consider a half lease with the horse (which seems to be renting it out to another person), and some suggestions to shop at second-hand stores. She's already doing a half-lease. Also two people who responded identified with her struggle because they have to plan and pay for a wedding.
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May 30, 2016 15:09
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Owns 2 horses
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Per posted:The gently caress? Is this an American thing? What the hell can be so bad about your buses? Public transit quality totally depends on the city. Buses are pretty good where I live but the grocery shopping issue is because in the US (outside of the city) we typically do all of our shopping once a week. That means I might be carrying home a bag of potatoes, a bag of onions, a watermelon, a chicken, a bag of carrots, apples, sweet potatoes, and frozen vegetables and fish and poo poo that I'm trying to keep cold until I get home. And that's without buying diapers or paper towels or toilet paper.
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Jun 1, 2016 17:42
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Also I live near a big city with a pretty recent and generally good metro but it keeps catching on fire and it's murdered some people so now they have to fix it and it won't really exist for a lot of people for months at a time. So yeah actually US public transit is generally not great. But there's a LOT more space to connect. I was able to almost never use my car when I lived right outside the city and worked in it but now that I live and work in the suburbs public transportation to my office is a terrible option. Like, I would go an hour in the other direction and take at least two different buses and possibly also the metro for a stop bad.
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Jun 1, 2016 17:54
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NancyPants posted:I can't imagine why you would not churn your rewards cards unless you're irrationally afraid of credit cards or you can't use them responsibly. Seriously lol if you don't at least try to put the massive down payment for a car on your card for the points.
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Jul 1, 2016 16:52
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Centripetal Horse posted:That's a quality operation. If you put "5001" into their calculator, it blows up with a server error, instead of just telling you you can't borrow $5,001. quote:The second component of the monthly payment is the product’s monthly depreciation. Each month the customer possesses and uses the product, the product’s fair market value decreases. That decrease is part of the monthly payment so that the customer is compensating the business for the decrease in the product’s fair market value while the customer is using the product. 
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Jul 25, 2016 14:15
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From a dumb pregnancy app message board: quote:So my hubby works full time& I stay at home with our 7& 9 year old children& am pregnant with baby number 3 (due Jan) anyway, I'm the one who handles all of the finances& I noticed between the months of May& July hubby had spent almost $1,000 on a stupid game he plays on his phone! Some of the responses are...surprising. quote:It's not cool that he lied, but you did say he has no other recreational outlet so I think maybe you guys should sit down and budget for his game playing. It's okay if you don't want to spend money on yourself but I think it's unfair to expect your husband not to spend any money on himself for fun either. quote:
Bonus  quote:In my experience women are just wired differently then men like we a very aware of our income and bills and what we have for extra spending money also considering the fact that we would like to save for the future.... Men can Be air heads not all men but I think most . Maybe tell him if he's going to spend money like that on entertainment purposes you'd rather it be for a family outing like to the zoo or movies atleast then you would all enjoy it and it would be making memories instead of being flushed down the toilet.
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Aug 14, 2016 05:40
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Please do not judge my hobby, which is neatly stacking $100 bills into small piles and then setting those piles on fire.
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Aug 28, 2016 23:25
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Enfys posted:Yeah, I got a real good deal on my free range raccoon here. I don't understand why my landlord won't let him in the building. They gave up on helping the patient and focused on just warning those who come into contact with them that they have major issues?
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Sep 13, 2016 12:55
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Enfys posted:edit: whoops, quote is not edit Tbh I think we basically go with what they want as much as possible because of all the crushing guilt.
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Sep 22, 2016 20:51
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I'd had a Huffington Post thing about how many stay-at-home moms are getting involved in MLMs open in my browser for weeks because I thought it would be interesting. Turns out it is, but because it's just a bad ad for the idea of MLMs. Someone who is definitely not already deep in this poo poo posted:There are no pyramid schemes, despite so many wanting to tag them as such, because you see - pyramid schemes are illegal. A lot of these businesses are multi level marketing which is what people are misinformed about. The MLM set up is why they are working with such success. They are set up in such a way to help the small business owner have a huge potential for financial success. Selling for an MLM: Just like telling your friends about a restaurant you like except you're also an ENTREPRENEUR.
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Sep 24, 2016 00:04
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DarkHorse posted:MLM uses a product or series of products as a fig leaf to cover the pyramid scheme, allowing them to skirt the definition of the law. I don't think they're allowed to call you an employee, though, which is why everyone is a *brand ambassador* or *seller* or *entrepreneur*
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Sep 25, 2016 02:00
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TLG James posted:I sat next to a couple on the way to Curacao last year for their honeymoon. I've spent over a year there for various work trips. I asked if they scuba dived, and they said no. They pretty much just picked it out of a website. I know someone who went on a honeymoon to Martha's Vineyard. They wanted to go wine tasting.
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Sep 27, 2016 06:20
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potatoducks posted:I just use a checking account for everything and don't have a savings account. The convenience factor outweighs the piddly 1% interest. 6 transactions per month is bullshit. If you were making 6 or more transactions a month then it wouldn't be a savings account anyway...
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Sep 28, 2016 12:21
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Dr. Eldarion posted:Doesn't seem unreasonable. According to a quick Googling, there are ~125 million full-time workers in the US - at least a quarter of a percent of them surely have a giant retirement egg given how much even the top 1% make. The NFL spends a LOT of effort trying to prepare players for post-football financial life so I'm not surprised they try to incentivize 401Ks as much as possible.
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Sep 30, 2016 17:57
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Enfys posted:No one reads this thread to find out goon opinions on the music industry. I'm not sure if I've mentioned this here but I know a girl who got some scholarship or grant money her first year of college. The next few years, she got a check. She assumed it was her scholarship money. She kept it and let her parents pay her tuition, then got her student loan bill after she graduated.
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Oct 1, 2016 15:34
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BEHOLD: MY CAPE posted:Her parents "paid her tuition" by taking out student loans for her it seems. No, she had gotten student loans but didn't know what she was doing or forgot about it. She got checks, but she assumed that they were scholarship/grant money and just spent them on whatever because her parents were already paying her tuition. She learned after she graduated that the mystery checks were student loans. Of course, this story comes from the person who didn't bother to look at where a check was from before cashing it so the details are...confusing.
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Oct 2, 2016 01:09
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froglet posted:This sounds like some sort of strange American thing I'm not aware of where coupon = grave insult? We have those too, and people go to restaurants all the time using Groupons and other huge discounts. Some people don't using coupons because they don't like to look cheap, but I think Solice has it right. I have a friend who would come to restaurants and not eat anything, then go to McDonald's on the way home. We drew the line at him bringing outside food to the restaurants, but other than that it was fine.
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Oct 2, 2016 17:49
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Uncle Enzo posted:I'll defend this - as mental health advice, a lot of people with depression / anxiety have trouble feeling like they're worth spending any resources on. I take this tip as "how about treating yourself to a nice meal, or seeing a movie you might like" and I feel like that's how it was intended to be taken. It's not uncommon for depressed people to be doing just fine financially but feel bad about doing anything for themselves, like having a hobby or cooking good food or whatever. "it's ok to spend some money every now and then just on pleasure" is intended for a different set of people than we normally criticize in this thread. "Spending money gives you a sense of control" reads more like a diagnosis criteria than advice.
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Oct 11, 2016 18:48
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KingSlime posted:It's like talking to my brother about Disney and his disturbing obsession with the "vault." Some people just aren't able to see through the noise I guess? I remember when the vault was a big deal and they would show commercials about how it was your LAST CHANCE because THE VAULT and now the idea of needing to own a piece of physical media is kind of hilarious. Although apparently physical media: GWM?
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Oct 26, 2016 23:51
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| # ¿ May 15, 2024 22:48 |
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H110Hawk posted:Local boyscout troop was selling popcorn, of which I need negative zero. Offered the parent the Dude that popcorn is delicious though.
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Nov 6, 2016 06:20
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for popcorn in the form of a direct check and two days later they were ready willing and able to accept my donation. Feels good man etc.