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NancyPants posted:I bet I could get this dude to buy me poo poo We should get him to buy us all giant mugs that say Truck Equity on them.
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Oct 28, 2014 03:59
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Saros posted:I swear it must be overearning retard week over on reddit or something. Wait, how the gently caress is daycare $2100/mo for ONE kid? Is that right?
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Oct 28, 2014 16:00
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Space Gopher posted:That is exactly what's happening in a lot of Seattle neighborhoods, because it's not happening in a vacuum, by itself, with totally fungible Housing Units. Crappy, neglected, but cheap housing in a rapidly gentrifying and extremely high-demand area (where demand outstrips any reasonable pace of construction!) is being replaced by expensive luxury apartments. And, when the market should tumble back to earth, rents will remain high because the developers who threw up thousands of units during the boom will have to keep paying down their own debt. Buying 2 years ago in Seattle was one of the best financial decisions I've ever made. My house has gone up ~20% already.
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Feb 4, 2015 02:21
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slap me silly posted:Just enough gain to let you break even if you sell it! My wife has a real estate license for this purpose alone.
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Feb 4, 2015 04:33
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Whiskey A Go Go! posted:I was talking about fitness costs with a couple last night on a double date since we were joking about how the gyms are quiet now. When we broke down our personal budgets for fitness, I was really surprised how expensive some people go with this. I've been working out for over a decade and consider myself in great shape and I have no idea how you spend $150/mo on supplements let alone $450. What on earth are you buying? Also I cut my gym fees quite a bit since I built a gym into my house.  Edit: If your multi-vitamins don't include glucosamine and msm you're bad with money because otherwise you will probably eventually get a joint injury requiring surgery. Comrade Flynn fucked around with this message at 17:40 on Feb 10, 2015 |
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Feb 10, 2015 17:36
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Guinness posted:Also I'd like to see what some of these people spend on work-out clothing, because I know some people go absolutely crazy with it, especially the gym bro/yoga girl types. If they're spending hundreds of dollars per month on supplements I just know they're ALSO spending hundreds of dollars per month on Lululemon and UnderArmour. My gym clothes are literally just free t-shirts I pick up at the video game conventions I attend for work and 3 pairs of 10 year old shorts. I weight lift bare oot as it's easier for squats.
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Feb 10, 2015 21:24
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overdesigned posted:"It's a 7-year loan, but it's only $180 a month!" I'm considering a 12 year auto loan. But there is a method behind my madness. Maybe.
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Feb 11, 2015 19:33
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Wickerman posted:I'm pretty sure that there's no chance that it's a good idea with an interest rate that is non-zero. Buying one for an investment. I will probably only hold on to it for 12-18 months, so I don't see why I shouldn't keep my payments as low as possible unless I'm missing something. I've made a profit on 15 out of 16 cars.
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Feb 11, 2015 20:12
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Jeffrey of YOSPOS posted:If a guy successfully and intentionally arbitraged baseball cards 15/16 times (and didn't lose everything he made in the 16th attempt) I'd at least listen to what he had to say. I doubt it's a good idea still but if the track record he cited is accurate, I don't see what grounds you have for not hearing him out. I can see why this sounds a bit insane. Let me clarify a few things. My 401k is maxed out. I own my own home. I have zero debt. I have a bunch of other investments. I have several years of cash in savings. I'm trying to do something fun as another investment and it's something I've done well in the past. I can afford to pay for this cash but it would be a significant chunk. I'm actually curious if my plan is to only own it for a short time, is a 12 year loan a bad idea? If it is I can get a traditional one or, like I said, pay in cash but I'd prefer not to do that given the amount.
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Feb 11, 2015 20:56
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Taco Box posted:You're going to buy one of those Scat pack dodges thinking they'll increase in value, aren't you? I tried that with a charger daytona. I lost $1/mi. Haha, no. It's actually a Lamborghini. If you look at what the prices of the Countaches (+300% in 5 years) and Diablos (+100% in 2 years) have done, I'd guess the last of the Murcielago 6-speeds will eventually do the same. Literally the last V-12 manual Lamborghini ever made and there's only 40 of them. I figure worst case it loses 10% of value over 2 years, best case it goes up 50%. Comrade Flynn fucked around with this message at 21:48 on Feb 11, 2015 |
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Feb 11, 2015 21:36
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Blackjack2000 posted:Where is this? Gotta be the Bay Area. Moving out of there was the smartest financial decision I ever made.
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Feb 12, 2015 05:23
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HonorableTB posted:Every time I think about wanting to buy a house, I remember this thread and reaffirm my decision to rent a house instead after my current lease is up. Or take a look at someone like me who bought 2 years ago and have probably had $150k in appreciation since.
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Feb 12, 2015 07:16
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Jeffrey of YOSPOS posted:Yeah I'll buy bullets against your gold any day. How else you gonna hedge your index funds? What about gold bullets?
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Feb 12, 2015 19:57
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Hargrimm posted:Working in video games is bad with money. The last story is just ridiculous. Having a fourth child when your sole breadwinner works in a famously layoff-prone industry and has been laid off four times in quick succession is also bad with money. Working in videogames is great if you're smart about it. Just go in knowing it's a cyclical business.
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Feb 12, 2015 20:33
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Cicero posted:Not if you have a family to support. That dude just sounds incredibly selfish to make his family suffer so much so he gets to 'follow his dream's of working in an exploitative, hit-driven business. Yeah, what do I know. I only support my family while working in video games.
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Feb 12, 2015 20:55
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Dwight Eisenhower posted:I wanted to make video games until I graduated with a CS degree and saw how hard it was to get into, the salary difference, and the instability; and that was before the cutthroat "lay people off after release" cycle started in full swing. It's just a matter of being smart and keeping your eyes open. I've been doing this for 5 years and have been laid off twice. I knew both layoffs were happening months in advance because I kept my eyes open and saw what was going on, so in both case I had jobs lined up that were promotions. I'm always shocked when people tell me "I had no idea this was coming!" I knew your company was doing layoffs and I don't even work there! It's a niche industry. Don't move to one shop towns. Move to the Bay Area or Seattle or Austin. That way when you get laid off you'll have a dozen other studios who will be hiring. Follow the trends. Mobile gaming has gone from 0 to being BIGGER THAN THE FILM INDUSTRY in 5 years. That means there's insane competition. Salaries in mobile gaming are way above average - I know entry level programmers making $110-120k, and user acquisition guys with 2 years experience making $200k. Don't be surprised when your Facebook gaming company has layoffs - it's been on the decline for years. Network. You'd be shocked how much people hear, often before the management in your own company knows. This is all common sense but jesus so many people in the game industry don't follow it. People flock to it because they just think it will be the coolest thing ever (and it's pretty rad) but not realize it's still a business. Nail Rat posted:There are some rare artists who make serious bank too, I think you're like these lucky souls. Maybe it's selection bias or something but I know a lot of people that are making absolute fortunes in gaming. Comrade Flynn fucked around with this message at 21:13 on Feb 12, 2015 |
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Feb 12, 2015 21:10
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HonorableTB posted:If you knew layoffs were coming you should've told those people you rear end I always do. It's amazing how many people wouldn't believe me.
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Feb 12, 2015 21:16
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Cicero posted:Have you been laid off every year or two, forcing several awkward moves and financial instability? No? Then what I said doesn't apply to you. Yes. Try reading what I posted.
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Feb 12, 2015 23:13
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Not a Children posted:I thought he came off as more clueless than selfish. He kept doing the same thing without shaking off an iota of his naivety over the course of his falling-down-the-up-escalator disaster of a career. It's a workable industry if you accept and plan around its realities, but this guy clearly did not. Pretty much this. Cicero: maybe I misunderstood but it looked like you said working in video games is selfish. The guy is in a lovely situation because he was dumb and/or naive. I guess you could argue that's being selfish.
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Feb 13, 2015 01:41
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Cast_No_Shadow posted:Who the gently caress cares. I like you.
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Feb 13, 2015 19:25
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"I spoke with the bank and you're approved for 144 months with a $105k down payment with a 5.99% interest rate. This would put your payment around $970 dollars." This required no income verification. Party like it's 2007!
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Feb 14, 2015 03:45
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overdesigned posted:Sooooo he's hosed, right? My wife used to pre-sell high end condos and people would lose their deposit all the time.
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Feb 14, 2015 06:53
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BEHOLD: MY CAPE posted:A collectible Lamborghini as collateral with $105,000 cash up front and a rate about 3% above the best rate for a 60 month used car loan is a pretty attractive package for a lender. It's a lot easier and faster to recoup on a bad car loan than a bad mortgage. That's a good point. I'm thinking of taking the loan and just getting a normal Penfed 60 month loan 6 months later.
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Feb 14, 2015 20:11
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Taco Box posted:Hey, post pics to AI to give Das Volk a run for his money with his Viper that blew its engine at 4700 miles. Seriously. I like car porn. I was the one that told Das Volk to buy that car and he's encouraging me to get this one...it may be his revenge.
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Feb 14, 2015 22:31
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I make more than him and $8000 on Christmas absolutely boggles my mind. I don't think I've ever spent more than $1000, and that includes my wife and I.
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Feb 16, 2015 06:31
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It's me I am bad with money I bought this.
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Feb 16, 2015 21:17
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Golluk posted:Oddly enough I was talking to my co-worker who likes having a fancy summer car. He had bought one of the 60th anniversary Lotus Elise. Drove it for 5 months, tacking on 10k miles, then sold it for $15K more than he paid. I've had 17ish cars and have only lost money on 2 of them.
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Feb 17, 2015 05:36
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zamin posted:-Recently bought a 2012 Subaru Legacy w/80k miles on it for about 15 to "save on gas" (he lives about a half hour from work). This brings his total car payments to 920/month. He is the only one in the household with a license. Some perspective: that's the same amount I pay on my 60 month Lamborghini loan.
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Feb 22, 2015 00:04
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So Bellevue is awful, but is Woodinville? Because I'm kinda thinking of moving there.
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Mar 20, 2015 07:16
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Shadowgate posted:Not only does Washington not have an income tax, our property tax isn't bad either http://www.tax-rates.org/taxtables/property-tax-by-state Yeah. Washington owns for higher incomes. So glad I started my business here.
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Mar 20, 2015 16:23
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subx posted:I do not think he understands how maintenance on a super car works. It's really not that bad. Except for when I got my ECU wet after 4 days of owning it and had to pay $1400 for a new one. EDIT: reading some of these stories give me an ulcer. Comrade Flynn fucked around with this message at 00:49 on Mar 30, 2015 |
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Mar 30, 2015 00:44
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SpelledBackwards posted:Two goodies from Quora. First is a kid who's almost done with college and whose parents have paid in $80k toward his degree, but he wants to drop out because he'd rather travel and read books. Silicon Valleyitis is horrible. Even as an "entrepreneur", the best thing I have is my college degree to fall back on if needed.
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Mar 30, 2015 01:13
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It came from reddit:quote: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. She is in bad debt now because the yogurt shop isn't making any money, and she's working harder than she's ever worked in her entire life. She comes home near crying every night, and it's tearing my family apart, so anybody who can offer a serious solution would be unbelievably appreciated. She can't keep doing what she's been doing, and she doesn't want anything to do with the yogurt shop. I can try to supply any information that would be needed to assess the situation. If there's a better place to ask this question, I would be grateful if someone could direct me. http://www.reddit.com/r/business/comments/30rsux/my_mom_bought_a_froyo_restaurant_and_shes_in/
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Mar 31, 2015 00:08
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moana posted:Seattle is a bunch of new money tech people, they get paid mad bank and want to impress all their friends and have no idea what to do with money but spend it all. Yes it's me I am the new money tech person in Seattle. EDIT: My accountant just informed me I need to start making $30k quarterly tax payments. 
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Apr 13, 2015 01:10
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pig slut lisa posted:I'm flying in for a conference this week. Please pick me up from the airport in one of your fancy cars, tia. It's supposed to rain this week and I can't drive the Lamborghini in the rain because it was designed by drunk Italians. Barry posted:Can't you find another thread to brag in? Nah this one is pretty neat.
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Apr 13, 2015 01:55
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I really, really want to see a $2500 vacuum now. I like to imagine it's just a portable black hole.
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Apr 13, 2015 02:56
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paperchaseguy posted:how are you 150k in debt and still 2.5 years from a degree? It's kind of crazy when the best advice is to literally flee the country and never return.
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Apr 13, 2015 22:08
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SiGmA_X posted:You can't afford it. That's why you leased it. You'd have paid for it otherwise. I could go buy a 2015 M4 today if I wanted to.. But I'm unwilling to part with 70(-90)k and as such, I can't afford it. That's kind of dumb logic. There's a lot of good with money reasons to lease.
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Apr 17, 2015 01:35
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Aliquid posted:My dad's a real-estate agent and when doing leases, he'll have people drop $450 non-refundable deposits per pet on nine-month terms. Maybe one a month or so, he'll always point them out to me and we'll roll our eyes. Why is that weird? Are people just supposed to kill their pet if they don't want to pay that fee? Also pet insurance is great with money. Our pug had to have an MRI and the 7 years we've been paying for it were ROI positive in an instant.
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May 12, 2015 16:50
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Haifisch posted:The amount seems high to me(for a 12mo lease, let alone 9mo!), but that's one of those things that probably varies by area. Not that it matters since you should be getting it back at the end of the lease, and paying pet deposits/monthly pet fees is just part of having pets in a rental. Rolling your eyes at it is like rolling your eyes at people who pay security deposits. I'm jaded by the Bay Area. They wanted 500+ per pet, but it was a true deposit and we got it all back when there was no damage. Speaking of bad with money, I went to buy a house in Seattle to use as a rental property. They told me there was a bidding war and it ended up selling for 20% over list.  I'm now considering buying a lot to develop a custom house instead. The only lots I can find are perched on the side of hills and will require retaining walls.
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May 12, 2015 18:38
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