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At one point I read something like: If you invest $5k a year from age 20-30, stopping on you 30th birthday, you will (on historical average) have more in your account than someone who starts adding $5k at 30 and doesn't stop until 65.
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Jul 7, 2013 20:10
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Silly Hippie posted:Stuff If they aren't in debt and have retirement funded this lifestyle sounds pretty fuckin' killer. Are they in some sort of trouble you didn't mention?
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Jul 10, 2013 21:49
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A few months ago we were on the envelope system but ended up falling off the wagon for a few months. Cue today, we are looking for a tax document and stumble across 5 envelopes of money totaling $489. It's cool that we have 'bonus' money but it's so loving pitiful we could casually misplace almost $500 and not even notice. Our combined income is only like 48k annually.
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Feb 9, 2014 23:22
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NancyPants posted:If you had a loving clue what you were talking about, you'd know that working as an au pair in a foreign country is in most cases reserved for STUDENTS and most commonly they are language students. You dumb poo poo. As a fellow dumb poo poo, thanks for the information, and gently caress you for being an rear end. I hope this is the reaction you were looking for.
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Feb 17, 2014 05:49
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baquerd posted:I don't think I said that, but it looks like social workers go from like $40k-120k or so in the Bay Area. That's poverty level to middle-middle class over there - the top end is what a fresh faced 20-21 year old developer makes. I'm going step in here to call you a selfish bastard because you finally sound committed to not needing the last word. We'll see if you can accept it quietly because deep down we all know you are proud of the fact.
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Feb 20, 2014 05:49
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Haifisch posted:It's not his fault the glorious free market doesn't pay teachers/social workers/etc as much as CEOs/bankers/tech monkeys. Who needs those people who actually contribute something positive to society, anyway? I agree with you, and also the selfish prick dude we are talking about.
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Feb 20, 2014 06:24
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Thesaurus posted:What would they be doing with their tens of millions of dollars? Giving it away to charity? Even for someone used to the finer things, it would be challenging to spend all of that down in your later years. For people concerned with both personal legacy and philanthropy, charitable trusts seem like a good place to dump a few million dollars.
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Mar 3, 2015 22:58
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DDR dance pads are garbage and frustrating and will be rolled up and stowed away in days.
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Mar 4, 2015 21:33
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Gothmog1065 posted:her major problem with it was the fact that it took pictures of her Wives are awesome 
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Mar 4, 2015 22:08
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God forbid the thread actually talk about people, or money.
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Mar 4, 2015 23:55
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A bit of background on someone I know: (32 year old male) has been with girlfriend for 12 years has gone to jail for hitting her 2 times relinquished custody of their 2 children to his mom got booted from a boilermakers union borrowed from annuity to buy 30k house didn't retain any tax money from disbursement has 'run' a dj/karaoke business with pirated music for almost 6 years credit destroyed from multiple auto-credit defaults makes jug wine in his garage mentally unstable, narcissist with illusions of grandeur pending disability case, claiming his mental state precludes him from regular employment (I tend to agree at this point) We were talking and he's frustrated that his DJ service isn't taking off quicker. For reference his 'logo' is a skull with a crown on it. It seems he charges $100 where as his competitors with $10,000 Bose systems and paid for music are 'undercutting' him at $75 a night. His solution to this problem is to borrow more from the annuity and upgrade his equipment and purchase a projector/screen combo. There are days in the average month that there are no lights or water on in his home, but his unlimited phone plan has never suffered because he needs it for work. People that care about him have all but given up on trying to talk rationally to him, it's just this nod and smile thing. Weirdly, his narcissism means he's usually pretty drat happy in the poo poo hole he calls his life. They just let him do his thing and try not to trigger his emotional outbursts.
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Mar 7, 2015 19:58
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pig slut lisa posted:I'm seeing some good with money diamonds hidden inside this lump of coal lol for sure He was bitching about the city not letting him collect rain water and is certain it's a ploy to make him run city water to his home. I should mention the $30k home happened after he destroyed and abandoned an $80k prefab modular home.
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Mar 7, 2015 20:16
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BEHOLD: MY CAPE posted:I'm not sure what your recollection is but many if not most American car commercials show a price. Granted it's a often a fictitious "starting at" base model price for a car with no options that has to be special ordered and you wouldn't really want to drive, but it's a price. Many luxury brands do the "$399/mo for well qualified lessees." Even Ford sometimes relies on the low intro APR and just blows past total cost.
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Mar 8, 2015 00:21
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In the Midwest I swear to god all the DJ/Karaoke people buy the equipment solely so they can share incredible singing talents with the region. They are usually gadget consumerists doing it as a hobby. There are legitimate outfits but they don't dick around with small time bars in towns of 2000 people.
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Mar 8, 2015 00:46
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Cicero posted:It's definitely possible but he shouldn't act like it's some automatic, for sure thing. Not everyone can handle serious* programming. You'd be suprised maybe. In Pheonix we have a low cost of living and entry level WordPress theme devs can make $40k+ our of the gate. It does seem to cap around $65k for PHP developers and bump up a bit for more experienced application/software development. Median home price is 1/4 of the bay area so $60k a year is pretty drat good considering. I guess my point is jobs are still somewhat plentiful for lovely small scale developers like myself :p I'm at $60k with 4 years experience and a Bachelor of Arts. But you are right, it's not automatic.
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Mar 10, 2015 22:46
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MJBuddy posted:My mom is hitting early retirement age this year. I started talking to my Mom about it recently too. She's cashed out previous 401ks when changing jobs, and is still quite a few years off from paying her house off. Good news is she's at a really good earning point for her career and still has about 10 years left before I imagine she'll want to relax. The really good news is my step dad is a teacher and has a really good pension set up. I also made sure she was still covered if he died and it sounds like the pension extends for her life time as well. Between the 2 streams they will be making 80%-90% of their current income as regular payments. It really is comforting to know they will enjoy a relatively worry free retirement at similar level of income. Also the grand kids (she cares for full time) will be close to grown and out of her house by then, so maybe she can move out close to me and I can make her a new batch of grand kids she wont have to take care of full time  It really helps get me fired up about retirement savings to see people getting close and either hitting the mark or having to work indefinitely. Being in the latter group is pretty terrifying.
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Mar 11, 2015 17:17
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fruition posted:Uhhh, don't ever show them this or they might kill themselves. Hahaha wow.
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Mar 11, 2015 20:48
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I can't imagine running a business without coffee??? It's so cheap and positive for morale I just can't fathom not having a $7 bin of grounds and a $25 brewer.
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Mar 15, 2015 06:58
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Cast_No_Shadow posted:We have big machines that are closer to vending machines that supply free but sub standard coffee tea and hot chocolate. This, I worked at a Walgreens Distribution Center and they had a few of these. They also had a bunch of the large thermos containers with pumps for larger batch drip brews. Even sites with thousands of people generally have break rooms to accommodate smaller portions of the workforce.
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Mar 15, 2015 18:24
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Qwertycoatl posted:
Did the advice at least help free him of his point count?
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Mar 17, 2015 02:08
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Credit cards work internationally. Surely there is some card that drops the fees on international transactions? In fact I know some banks offer those cards, we've traveled to oz and looked into it but the fees didn't bother me enough. I am probably missing something here, sorry if I sound dense.
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Mar 17, 2015 05:47
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I was 12 hours away from my power being shut off. In Feb we put everything on auto-pay. Or so we thought. I just happened to read the mailer today which came in last week, usually a bill, and noticed it said past due. Lucked out that I caught it in time but drat that was silly of me to overlook.
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Mar 19, 2015 21:20
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Well no sense lying about it. Gotta let the shame burn me. I just spent $2200 on a 3D printer  My wife is a 3d modeler/animator and has gotten quite a few clients looking for 3d prints or file prep for shapeways. She is having a slow month so I got all hero-husband and started talking about getting one. She lit up so much that I just bought one for us. We are both still really excited but after researching print times and replication methods, the price point is soooo far off from being even hobbyist-commercial. The take away is always "Look, only $10 of materials!" and never "$10 in materials + 18 hours of tying the one $2200 machine up." The break even point is so high, let alone making it worth it to bring in new business. Granted she's working with prototyping clients directly so she could bill the materials and print times at a premium for that type of revenue. 8 clients a year in that space could come close to break even, but it's hardly a smart business plan. There is a 2 week lead time on it for fulfillment so I am asking nicely to cancel but I might just reverse the charge. Hero-husband was really just hasty-husband, and that lead to nervous-wife. She's afraid she'll let us down and it will be a waste of money. I was a dope to put her in that position without more up front communication. My BFC card just got pulled.
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Mar 20, 2015 16:51
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Horking Delight posted:Honestly, the long print time doesn't seem that bad as long as you can somehow hook it up to a computer and set up an automated queue for pieces (or even just timed alarms). Think about how much of each day a sink or stove is turned off. Yeah, the printer itself isn't bad with money in my mind. The rushing the decision before properly weighing the dynamics of income potential vs cost was the bad decision. I'm sure it will work out either way. It could be a good revenue stream based off of her projects from the last year, there is just no guarantee. I guess it would be a tax write off in the worst case.
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Mar 20, 2015 18:07
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BEHOLD: MY CAPE posted:$2200 on a hobby? You could buy a perfectly good 20 year old used car for that amount of money. Hand over your BFC card right this instant Hahaha, thanks for the support everyone. I feel less dolty, I just got a big buyers remorse for a minute.
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Mar 20, 2015 23:24
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100 HOGS AGREE posted:Just print and sell a bunch of nonsense! I am going to make 3d letters attached to 3d sticks that you shove into 3d objects like cakes or butt holes. I am already looking up sand casting into aluminum 
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Mar 21, 2015 00:40
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Veskit posted:Pig Slut Lisa I know you read this thread so please save your friend This is my single favorite earnest posting on these entire forums.
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Mar 23, 2015 05:18
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Has there ever been a smoothie derail?
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Mar 24, 2015 05:28
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We had a really great wedding photographer and her assistant for both engagement, preview, and wedding photos. All together cost <$1500 but the big thing was we got full reproduction rights to the complete raw and cleanup sets in full res. The Videographer had the same gig going and it was well beyond worth it for $4k between them both. Independent people have really good deals if you take the time to vet them and meet with them (free coffee too).
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Mar 24, 2015 06:21
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Pompous Rhombus posted:I can understand why clients would want the RAW files, as a photographer I would be extremely reluctant to hand them over though; having any potential crappy retouches floating around out there that Uncle Nikon did, with your name associated with them (either implicitly or explicitly) can be a huge potential liability for your image/brand. I see it from both sides, but in my mind it is work for hire and some of the shots that were taken would never be worth touching up as a photographer, but are really nice photos of secondary/tertiary guests so those were great to thumb through. We asked everyone to trust the photographer and refrain from personal photo taking during the ceremony, so the tradeoff was making sure we had a good depth of photos. We talked about it a lot and having both been art school graduates, we agreed verbally not to share her work outside of personal prints and family sharing. She maintained control of her work to the outside world, and we gained control of her work for the personal record keeping. It was a great relationship overall. She still culled the blurry and just plain bad shots and I appreciate that if anything. Also we ran into situations she chose sepia tones for the touchups, but I am not at all a sepia tone/B+W fan so it was great to have the option even though the touchups looked amazing. root of all eval fucked around with this message at 07:04 on Mar 24, 2015 |
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Mar 24, 2015 07:00
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disheveled posted:My wedding was pretty expensive. I don't have the exact numbers because my wife's parents paid for a substantial portion, but the bill probably a bit under $15,000 for the whole package. I can't imagine how the average wedding is twice that... I wonder what the median cost is. Same here, and we had full open bar for 5 hours, dinner service, DJ, photography and videography, basic wait staff. We had about 75 people, but per person price for food and drink was less than $35 each. That scales up pretty well. God only knows what elaborate productions people pay for.
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Mar 24, 2015 20:33
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Taco Box posted:I would like some advice: My garage door opener died yesterday. I did what I could to lubricate the motor bearings and the worm gear that runs the door back and forth, but it seems it munched a bearing in the motor. Can it be manually opened? I too would take this from an emergency fund with like $10k+, but if your efund is only $1k this sounds less like an emergency than something else that could happen before you are able to replenish. A 10k efund can cover actual emergencies and additional inconveniences. I don't know though.
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Mar 26, 2015 02:25
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Taco Box posted:The garage door can't lock and it's a way into our home. Also I'll be getting a bonus at work tomorrow that likely will cover at least the opener itself. I have no idea if the visit from a pro would be a huge sum of money though Makes sense. I wasn't trying to tell you not to pay a guy to fix it, but for instance we have a driveway and a front door and didn't have a compelling reason to fix ours when it died last year.
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Mar 26, 2015 02:42
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Comrade Flynn posted:In October of 2014 my emotionally unstable mom bought a frozen yogurt establishment with the prospects of hiring a manager and making money without doing anything. People in the US are really enamored with the idea of spending 100k to purchase their very own minimum wage management job. Or is that an international trend?
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Mar 31, 2015 05:30
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Veskit posted:I found out the rest of the story. Her tax return didn't come fast enough and she blew too much money at the casino with her dad. My favorite times with my mom have been in a casino. I feel bad for people that sit around and talk about work and kids with their parents.
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Mar 31, 2015 05:32
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This person may actually have a decent job and a hot wife... Life is weird/cool.
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Apr 1, 2015 00:49
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Have you tried monthly cash payouts for fun money? We pay ourselves cash every Friday and if we blow it all by Saturday we only have to suck it up for another 5 days.
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Apr 2, 2015 18:52
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Choose Deth posted:He does the same thing with DVDs too, to a lesser extent. Recently he bought a set of 5 movies, watched them once, then sold them to my husband for $10; he probably paid at least $10 for each one. My husband asked him why he doesn't have Netflix and he had some lame excuse. And of course he is always complaining about how much is on his credit cards. I know of an Australian who's family is lower middle class, but the dad obsessively collects DVDs. Thousands and thousand purchased and meticulously cataloged, but half the poo poo is "Best of Gomer Pyle: Vol 3" or similar. He's convinced it is some sort of nest egg, unwilling to accept that DVD is a standard that will be completely lost to history in another 10 years.
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Apr 2, 2015 20:10
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Vinyl is Bad with Audio, not Bad with Money.
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Apr 3, 2015 19:18
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BossRighteous posted:Well no sense lying about it. Gotta let the shame burn me. hahahaha Jesus. Jesus Christ. Printer just got here and 80% through the very first example print provided by the manufacturer, the unit fries out and one of the axis fails.
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Apr 4, 2015 06:48
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