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I was poorly socialized growing up because my parents always pushed academics and responsible money handling skills. Great for doing well at school and making a decent career for myself, bad for having anything other than a quasi-neck beard social experience. I never went full fedora but did do some nerdy-rear end things publicly without realizing how socially inept I was. Eventually I found out how to be someone worth hanging out with on a Friday night (it helps that nobody turns down free deejays no matter how average they are  ). Still content with my lot in life at any rate - it's a lot easier to do what I did than make up for 15 years of being 2 cool 4 skool and having stories told about me in this thread.To avoid the shitpost, here's the story about some  Same dude also bought a boat for his big-rear end rental house on a lake and tried to borrow over 4 grand from people for a leather sectional (didn't get money, still bought it somehow). The guy had a more opulent lifestyle than I did at maybe half my salary. He's a really competent guy work wise but damned if his sense went home from the office with him  .
Guest2553 fucked around with this message at 18:06 on Dec 5, 2013 |
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Dec 5, 2013 17:57
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| # ¿ May 20, 2024 20:40 |
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2Lts with their first taste of real money who own luxury/sport cars are the best. It wouldn't be out of place in military.txt but I know one guy in particular who traded his viper (and the 8k negative equity that went along with it) for a charger with all the options. Almost 60k overall at double digit interest rates while renting from a literal slumlord
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Jan 3, 2014 08:21
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Oh god that was great. Pretty good throwback to preschool with the shape learning and all.
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Jan 8, 2014 05:11
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http://news.msn.com/in-depth/colonel-now-living-out-of-his-van A retired colonel with 30 years service, who receives a yearly pension of 40k and worked as defence contractor for 5 years afterwards is homeless and living in his van. The story tries to spin it as a 'poor troops' story, but there's no comparing your typical homeless vet with a goddamned full bird. vvvv I would empirically try to find the lethal dose of marijuana
Guest2553 fucked around with this message at 06:57 on Jan 9, 2014 |
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Jan 9, 2014 06:48
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corkskroo posted:. Some company (JC Penny maybe?) tried that and lost money despite having legitimately lower prices. Turns out most people would rather think they got a good deal than actually have a good deal.
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Jan 26, 2014 03:54
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Had a babby myself a couple days ago. From talking to others it sounds like my wife and I put more thought into it than most because we waited until we were ready. Even budgeted for it and looked at the opportunity cost of her not working before figuring we could make it work. I'm really lucky that my wife has a similar mindset even though we never really talked about it beforehand, or even realized it when we started dating just over a decade ago It was pretty annoying be asked by every relative WHEN WILL YOU HAVE KIDS :byodude: , but probably not as annoying as it would be supporting a kid I didn't want and couldn't afford.Back on the bad-with-money train...I know someone who declared bankruptcy in his home country because of spending habits despite having a well paying job with full benefits. That's all well and vanilla, but the icing was that after being given an olive branch of an out-of-country position for a few years and a de facto blank financial slate, he dug himself into the same hole because 'whoo, I beat the system'. He'd buy a nice boat or trailer on sale then realize he doesn't have a truck to pull it, so he'd buy one of those too! While supporting a wife and four or five kids on a single paycheck! Maybe he's hoping country B doesn't catch up with him once me moves back to country A, but it's all very e. fruition posted:I'm also going to state that if you knowingly and willingly have planned children you can't afford then that makes you a selfish, inconsiderate, terrible person. It's almost a shame that the poor financial decisions the majority makes subsidizes the minority of good ones as banks and marketers bet on the average. Almost. Guest2553 fucked around with this message at 23:01 on Feb 18, 2014 |
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Feb 18, 2014 22:17
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Grouco posted:finances a car for 6 years at some absurd interest rate. Worked with a dude who somehow managed to get fired from his unionized bus driving gig for his poor driving skills. Which has to be pretty hard to do considering bus drivers have been able to keep their jobs after negligently running over people and causing major accidents. He unsurprisingly didn't last very long at that job. Last I heard he bought a lovely old crown vic for "only" 17% interest and was happy to find something so low.
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Feb 21, 2014 10:42
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I am OK posted:Can't you guys leave bitcoin chat to the obsessed GBS weirdos? It's such a boring subject. I like hearing about people buying Ford trucks and poo poo. I know someone who, shortly after having a kid, traded in his fully paid off car for a new 2013 SUV which was recently traded in for a 2014 SUV. Am I getting back on the right track? 
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Feb 27, 2014 06:20
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Sounds like the US healthcare system is bad with money  e. That story about the stripper and mentally handicapped guy is pretty  and sounds more predatory than bad with money. Every once in a while in a place I used to live some temporary mall kiosk would pop up pressuring old people and the retarded into buying hundreds of dollars of cosmetics or some poo poo, I don't think most people's first instinct is to blame the target.Unless I'm totally underestimating his functionality then I'll be the idiot today
Guest2553 fucked around with this message at 18:39 on Mar 2, 2014 |
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Mar 2, 2014 18:33
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Nocheez posted:Want to know the best way to find out what kind of advertising you fall for? I've been doing a lot more telling that being told Fortunately my wife is nearing my levels of stoicism instead of me nearing her (albeit small but existing) consumerism.
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Mar 4, 2014 01:21
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Overheard a conversation at work with someone non-ironically extolling the virtues of a planned truck purchase because "the V6 twin turbo engine is fuel efficient an actually eco friendly"
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Mar 9, 2014 05:07
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Mantle posted:Despite being bad with money, I fail to see how this is unethical behavior. I write postdated cheques all the time to pay for rent / loan repayment plan etc. As long as the cheques are clearing then what is the problem? Be careful with that, the US (and some other countries) have no legal obligation to honor them.
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Mar 10, 2014 03:23
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canyoneer posted:He's discussing in his video game live streaming how he left that job after a year to move back in with his parents and pursue his passion: playing video games online and relying on donations from his stream watchers. With enough viewers plus ad revenue he's probably doing alright for himself. Can't say I wouldn't. e. Assuming I didn't mind dying alone, that is. But that's more bad at life than bad with money, arguably
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Mar 16, 2014 20:15
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I was in the market for a used vehicle a couple years ago. Researched the poo poo out of it for a while before stepping foot at a dealership and found a few options using online marketplaces. Still had to deal with scummy sales dudes convincing me that I need usurious financing instead of throwing it on my debit card, but I still got it at a pretty good price after all was said and done.
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Mar 18, 2014 01:56
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100 HOGS AGREE posted:Why do people even bother with insurance agents when you can buy insurance direct from a company online? What value are you getting there? I've been with the same insurance agent for about a decade and it's been worth it for me. Not only was it one of the cheapest rates I've been able to find, but the convenience is worth it as I'm in the military and move every few years. Even got to keep all my discounts after an international move too which was pretty cool, and when I was getting dicked around by the actual insurance broker over a bullshit claim the agent made it go away. It's one of those YMMV things. Nail Rat posted:No, you understand. Their brains literally are like a (not terribly clever) animal's at that point. They're like less capable puppies that you can dress up  My wife and I have a 9 week old and bought next to no toys, figuring (correctly) that most people who buy gifts for babbies get toys instead of actual useful stuff. As it turns out, the thing he's interacted most with to date was a plastic bag because it makes a cool crinkly sound when you kick it.
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Apr 25, 2014 21:16
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GAYS FOR DAYS posted:I have friends who pay like $150 a month for car insurance, just to have the minimum policy required, because they have speeding tickets and DUIs. Living in Canada probably counts as bad with money on some level because I paid more than that a month as a married, over 25, multi-line discount, never a been a pulled over, good grades driver that walked to work buying minimum coverage owning a 5 year old 4 door sedan e. I'd check for better rates every 6-9 mos and couldn't find anything cheaper. I guess ontario just sucks particularly hard. vvvv Guest2553 fucked around with this message at 22:02 on May 4, 2014 |
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May 4, 2014 21:14
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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.
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May 5, 2014 02:40
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SpelledBackwards posted:That's not the question he was asking... Whoops. At least I'm not the only one who missed it I've known some fat motherfuckers with clearances (and used to be one myself  ) so as far as I know it isn't a criterion.
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May 5, 2014 02:54
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On the whole for a 23F living with mom her understanding finances is way above average and the only thing I can criticize her for is giving him another shot. Don't do it, sister 
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May 9, 2014 15:12
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Zo posted:botting diablo 3 I moved around $25,000 through paypal Maybe ten years ago I worked with a dude who did this with D2 in college. Earned enough poopsocking through the summer to pay tuition for the year and played varsity rugby to get back in shape. On the shadier side of e-commerce, at around the same time I shared a place with a guy who had an ebay habit. He'd buy a bunch of dumb stuff on it like warhammer minis or computer parts, but in a way that necessitated more buying. "Hey, this new video card I bought is PCI-E so I guess I need a new motherboard now" -> "Welp my old chipset isn't supported time for a new CPU" -> "Crap it won't fit in my old case let's see what's selling" -> "I have room for a new audio card might as well get one" -> "Cool 5.1 surround sound let's get new speakers" etc etc. Dude literally paid for a new computer part by part, paying shipping to Canada every time, and return shipping/restocking fees for the coupla RMAs that had to be processed. All so he could play some MMO all the time, which ultimately ate what little money he had directly (sub fees/buy 2 win crap) and indirectly (eating out a few times a week so he could play more). After a period of just not showing up to work he eventually lost his job and had to move away. He was otherwise a pretty cool dude and did eventually grow out of it, but that whole period was pretty I think I got a free LCD monitor out of it though so I'll call it a wash.
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May 14, 2014 01:57
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Strong Sauce posted:No it's worse because not having a computer for a few days is a inconvenience. not having a job with $60 in the bank is life ruining. Without computer how would you place bid? 
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May 15, 2014 01:23
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Did some groceries yesterday and saw some old crones (and the male equivalents) slowly shuffling through the aisles messing with inventory. It's sad that they have to work at that age for what is probably minimum wage, and I hope I'm never in a position to have to do that. My parents are retiring this year a bit earlier than expected (he has cancer, she's a nurse and is giving notice to help look after him). They both liked their jobs and didn't mind working but cancer aside it's  to know that they have enough to do their own thing while they're still around.
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May 20, 2014 02:14
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Rudager posted:You might be getting in a bit late now, the current PM seems to be hell bent on getting rid alot of that stuff. To start there's now no 100% free healthcare, it's now a $7 co-payment to see a doctor, luckily it's not going down well with the general population. I remember reading a couple reports about Canada some years back concluding that having a non-zero cost, however negligible, is ultimately better for the health system because a system that advertises itself as free leads to bloat and waste. It apparently causes individuals to do some self-triage and realize that they really don't need to visit an ER for every sniffle if there's an up-front cost, even if its refunded. Or so I've heard. Anybody else hear this, or is it just a bullshit talking point?
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May 21, 2014 00:32
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FrozenVent posted:Plus UHS is the result of a societal choice to have, you know, free healthcare. $7 isn't free. Healthcare isn't free just because there's no up front cost. I'm a totes a bleeding heart pinko on social issues but they don't happen in a vacuum devoid of fiscal constraints. Look at the province of Ontario to see bad with money in the form of a political party - the current healthcare model is not sustainable. On a note of levity, reddit brings us the following for our amusement: quote:My husband is convinced he can make us rich with currency trading. He basically wants to do this instead of looking for a fulltime job. He has done a huge amount of research on it but has never made a single real trade, only a practice account with imaginary money...He is convinced that he can't get a decent regular job anymore and needs to think outside the box. I think it's a nutty get-rich-quick scheme. Can't see any flaws with that plan, no-siree.
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May 21, 2014 03:07
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Computer Widows are a thing for a reason  I don't know that there's a goon out there who doesn't personally know someone who has ruined their career/education/relationships/life in general over a video game they couldn't put down 
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May 24, 2014 19:44
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Mojo Threepwood posted:He told me his current plan is to join the Air Force Reserve Tell him good luck with that. The USAF is trying to downsize by about 25,000 people and a bunch of reserve units are being inactivated. It hasn't quite hit FYGM-mode yet, but units are trying to look after their people as best they can so unless he's related to some commander by blood I don't think he'll get in anytime soon
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May 26, 2014 18:54
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Folly posted:What, you've never heard of an investment vehicle? Beautiful 
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May 27, 2014 16:59
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BadSamaritan posted:Then again, living in NYC is bad with money. Living anywhere with $10/bottle organic juice is bad with money. Sounds like a business opportunity - set up a few kiosks selling juice for 9 bucks a bottle On the other end of the spectrum of 'bad with money' is the frugality subreddit. People who have money to spare but can't bring themselves to use it so they do things like wash their clothes in 5 gallon buckets and experiment with which foods you can eat way beyond their expiry date. Being a poor student is one thing, but not allowing yourself comforts in order to save 50 bucks a month is another sort of bad with money. e.    quote:I have vices. I like pornography. I like sex. I like alcohol. Porno is free. Sex is.... Well, here's the deal. I realized that I'm no longer willing to put in the effort to woo a girl and the only thing I'm after is sex. So I am OK with hookers. In America, hookers can be expensive, especially for the level of attraction that I am willing to pay for. In Korea, it's as little as $80 to get a girl that I consider beautiful. Moving to korea for the cheaper hookers as part of a money saving strategy is all sorts of hosed up 
Guest2553 fucked around with this message at 19:48 on May 31, 2014 |
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May 31, 2014 19:33
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Game number one will run 67K at a minimum so really the more he spends, the better a deal it will be! For content, a relative is currently staying with my wife and I for a few weeks. A month ago when tickets were booked it was described as 'while I'm moving back to Canada from the Caribbean I'll stay with you guys for a bit so I can see my new nephew before starting my new full time job'. Turns out that said relative quit her last job before having another one lined up, hasn't applied for any positions, and has about 100 bucks to her name. And apparently the whole reason she left Canada was was to dodge student loans after banks came knocking when she dropped out of first year. My younger brother took a page out of that book too but seems to be in the process of turning around. I'm not particularly well off, but don't want to be on the hook for looking after relatives that couldn't get their poo poo together just because I'm spending less than I earn
Guest2553 fucked around with this message at 22:10 on Jun 15, 2014 |
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Jun 15, 2014 22:07
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Cicero posted:What's your plan for this? It kind of sounds like her 'plan' is to mooch off of you indefinitely. The away ticket has already been booked and the house will be empty for a couple days next month, so there's a hard cap already set. And since I'm currently an expat on a work visa the odds of someone making a full time hobby of it are pretty low.
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Jun 16, 2014 23:29
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The title says it all Need a loan to support my girlfriend's school look at this loving idiot posted:I would like to help my girlfriend with her college, but I don't have the capital available to do so at the moment. That being said, I got a stable, fairly well-paying (~60k) job a few months ago. I would like to help her pay for her tuition, which is due soon. gently caress your own loans, dude. Extra baggage is just what you need!
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Jun 17, 2014 03:23
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Both, but don't forget the Escalade to sell the image.
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Jun 18, 2014 02:31
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My brokerage just sent some ads showcasing their newest scheme - linking a margin account to a registered account for extra leverage. Anyone who thinks using a retirement fund as collateral against calls is bad with money (or an inside trader)
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Jun 18, 2014 16:24
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SiGmA_X posted:Is that .. What? How do they do that? Are they talking about non-401k/IRA retirement funds as collateral? Otherwise I see functional issues here, but maybe it's possible to have a brokerage do that. Seems unethical and maybe illegal to me, but, 'MERIKA!!1! For those who asked: Essentially, yes. It's advertised as leveraging the assets in a TFSA (  for rIRA) to boost the buying power in a margin account, ostensibly by offering it up as collateral. The website straight up says "Use your increased buying power like overdraft protection to better mitigate any market fluctuations!"At best it'll just be considered a loan instead of being taken directly out of the account but that's a lovely option either way v vAlso I spent an hour of dead time at work today browsing reddit personal finance that poo poo is pure  e. Barry posted:So hobbies are bad with money? Don't start this poo poo again
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Jun 19, 2014 00:38
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Guinness posted:Oh, you mean like this? That one I actually shared with the guys in my office, it was just too perfect 
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Jun 19, 2014 00:50
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gently caress realtors, but props to them for finding a way to squeeze equity from a showhome while making its transitory tenants your bitches.
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Jul 11, 2014 05:51
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Bone structure houses seem like a step in that direction but IIRC they start at like $200-300/square foot, making them pretty pricey at the moment. But one day... e. actually I just checked out their website and according to the FAQ it looks like that price is for a ready-to-live-in home, if you just want the shell it's about $45/square foot. So not quite as bad. Guest2553 fucked around with this message at 02:26 on Jul 30, 2014 |
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Jul 30, 2014 02:22
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What's the costing of living that you can't afford a kid on 140k? I only about 80k, have a 6 month old, and can still squirrel away almost 2k/month into savings
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Sep 5, 2014 04:45
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KYOON GRIFFEY JR posted:Living expenses are low in jail, it's true! If you don't know the value of money outside of prison, you're just setting yourself up to be hustled in Oz. Bitch traded 10 whole menthols for an extra dessert, what a rube 
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Sep 12, 2014 20:37
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| # ¿ May 20, 2024 20:40 |
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Buy hi sell low Just like Warren Buffet-san would do
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Oct 8, 2014 12:54
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