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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Dik Hz: Feb 22, 2004; Fun with Science

Apo123 posted:

While maybe not as detailed and personal as the stories in here, you can read the legal results of DoD security clearance denial appeals online. http://www.dod.mil/dodgc/doha/industrial/, just look for the cases involving Guideline F or Financial Considerations.

For example, this case involves a woman spending $75,000 at a casino in a single day, among other poor financial decisions.

Thanks for this link. I'm glad that it includes the good stories also, like:

Security Clearance Judge posted:

Applicant neglected his finances when he took his current job and was deployed to Afghanistan. He recently paid six delinquent debts, and promised to resolve the two remaining debts in the near future. There are clear indications that his financial problem is being resolved and is under control. The current security clearance process has made him fully aware that he is required to maintain financial responsibility to retain his eligibility for a security clearance, and ultimately his job. Clearance granted.

For content, my parents are incredibly good with money and have raised me to live within my means. However, my mother is a bit stuck in her ways. She grew up in the rural Midwest and remembers the family's first party-line telephone. She was taught to believe that you had to rent your phone from the phone company. She rented the same pair of rotary phones from about 1970-1995 at ~$8/month each. She was pretty pissed when she wised up. But she had just never looked at the price of a telephone in 30 years. When she called the phone company to cancel that service, the sales rep was amazed that that program was still around.

# ¿ Jul 28, 2013 13:44

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# ¿ May 4, 2024 14:56

Dik Hz: Feb 22, 2004; Fun with Science

razz posted:

I'm not sure I really get the whole "getting clearance" thing. So does a person apply for a job and then if they get denied, they have to go before a judge and just lay it all on the line and hopes that the judge rules in their favor? Then what happens, if the judge says "yeah you're good for clearance" then do they automatically get the job or what? Or do you ALWAYS have to go before a judge when applying for a position that requires clearance?

It just seems like these people are spilling out their entire life stories to the judge in hopes of getting a job.

Those are appeals after being rejected for US security clearance.

http://www.state.gov/m/ds/clearances/c10978.htm

# ¿ Jul 28, 2013 17:06

Dik Hz: Feb 22, 2004; Fun with Science

grack posted:

Yeah, well, said client heard this as well. I switched companies a few years after this happened and had to leave my client list behind. Ran in to this guy a few years later.

Apparently didn't work out so well.

Should have gone with Goats. Bonus Goats

# ¿ Aug 13, 2013 23:09

Dik Hz: Feb 22, 2004; Fun with Science

monsieur fatso posted:

My maternal grandfather passed away when I was 3 in 1989, but I've been told this story by my mom and uncle. I guess my grandmother thought he had lots of money stored away. He owned his own business after all.

Well, after he died, my mom, uncle, and grandmother were at the bank and given access to his safe deposit box. My mom said they were in a private room and left alone to access it.

My grandma opened the box. Inside was a whopping $2.

That's awesome, imho. I've repeatedly told my parents that I don't want a penny in inheritance. They earned it; they should enjoy it.

# ¿ Aug 22, 2013 05:43

Dik Hz: Feb 22, 2004; Fun with Science

Lightning Zwei posted:

Becoming a[n] internet debate champion about social issues doesn't pay the bills - or build wealth.

Great way to end this derail, imho.

# ¿ Sep 28, 2013 19:44

Dik Hz: Feb 22, 2004; Fun with Science

Harry posted:

He somewhat has a point if you're on track for a $200,000+ year job before you're 30. This obviously applies to very few people.

I'd argue that his arguments don't apply to even people like you describe. This thread is rife with stories of people who earn more than that and are financial train wrecks. It doesn't matter how much you make if you spend more than you make.

# ¿ Sep 29, 2013 23:56

Dik Hz: Feb 22, 2004; Fun with Science

systran posted:

I work on campus and my wife was a PhD student (finally she graduated). When we both were commuting to campus every day, she insisted that we must buy a parking pass for $300/year. This pass allowed us to drive onto campus in rush hour traffic and park in the commuter lot, which was a 10-minute walk from her lab and a 10-minute walk from my office. I could alternatively wait about fifteen minutes for the "commuter lot bus" to arrive. From the time we left our apartment to the time I arrived in my office was roughly 35 minutes.

Alternatives to this, which did not require $300/year, gas money, or the stress of driving in traffic included:

-Walking 8 minutes to the bus stop (rather than 10 minutes from the commuter lot to my office) and taking the bus directly to her lab or my office.

-Getting a bike and riding directly to my office in only 20 minutes.

As soon as she graduated I did not renew the parking pass and I just do one of the above options, saving probably $500-$600 year. Her reason for why we needed the pass was that she didn't feel safe walking through our (admittedly not great) neighborhood early in the morning or late at night.

Many of my co-workers still pay $300/year to do this, and I really don't understand why. If you ride the bus you may spend 10-15 minutes longer on your commute, but you can just read or do something else rather than sitting there and staring at the road. If you ride a bike you get exercise and often can move faster than cars in rush hour traffic.

I only see the benefit in parking passes for campus/city parking if you live nowhere near work and have no option other than driving. Even then I would seriously evaluate whether moving closer to work might not ultimately reduce your wasted commuting time for a marginal cost increase (or MAYBE save you money) and hassle of moving.

$300+gas/mileage to save half an hour a day? Where do I sign up? That's like $2.50 an hour.

# ¿ Oct 2, 2013 02:13

Dik Hz: Feb 22, 2004; Fun with Science

Is there a Godwin's Law equivalent for Obamacare/ACA?

# ¿ Oct 12, 2013 20:13

Dik Hz: Feb 22, 2004; Fun with Science

nevermind.

# ¿ Dec 3, 2013 00:58

Dik Hz: Feb 22, 2004; Fun with Science

HelloIAmYourHeart posted:

I work for a doctor's office in the billing department. I recently spoke with a patient who wanted a payment plan for her surgery balance, which is nothing new...except she hadn't scheduled the surgery yet, but wanted to have it in early April. She wanted me to give her a complete estimate of what she would owe after the insurance paid so she could decide if she wanted to have the surgery and if it was cheap enough*, she wanted to start paying part of it every two weeks before she even had the surgery. I told her that based on her insurance, she'd pay $800 at most, but probably less, and that I wasn't going to collect money for a surgery that wasn't even scheduled, so she should just put it aside and save it until then. She told me that she couldn't do that because she would spend it. Geez, lady, even if you can't save up, if you can pay biweekly before the drat surgery then surely you can pay biweekly afterwards as well!

*I hear this a lot, and it's kind of baffling because these are all people with cataracts who are having surgery to save their eyesight, and they all have insurance so they most they'd pay is like $1000.

You do realize that it's incredibly frustrating for responsible people as well that the doctor can't tell them in advance how much a medical procedure is going to cost, right? I'd nominate that right there as being bad with money....

# ¿ Mar 2, 2014 16:35

Dik Hz: Feb 22, 2004; Fun with Science

Dr. Eldarion posted:

PewDiePie has more subscribers than anyone else on Youtube. He has more than Bieber and Rihanna combined, and the only pages which have more subscribers than him are general categories like "music" or "comedy". Estimates say he's making up to $1m per month off of his videos. He's gotten more than 3.8 billion video views.

Let me say that again - the most popular person on the most popular media site on the internet is an LPer.

No, but there are giant halls full of people watching dudes play Starcraft. The matches are televised, and get ridiculous amounts of viewers in the local market (Korea) and online.

You could say that about any investment in the stock market, but that doesn't make people who buy stocks "gamblers" or bad with money. As discussed, it's all about risk vs reward - higher risks lead to higher rewards, and if you're not going to miss rent checks or anything if the market doesn't go your way, then it's a perfectly valid thing to do.

That said, when I bought my car I just paid in cash because I'd rather not be in debt than gain the extra money. Given how well the stock market did last year, maybe that was a bad choice, though...

Quibbling about YouTube poo poo is kinda outside the purview of this thread. Can we get some more stories about people bad with money and less dicking around about eSports vs. conventional sports?

# ¿ Mar 19, 2014 05:18

Dik Hz: Feb 22, 2004; Fun with Science

15 year old beater with a clean driving record, 12k miles a year, liability only, and NC state minimums is $290/year where I live.

# ¿ May 4, 2014 19:30

Dik Hz: Feb 22, 2004; Fun with Science

Jastiger posted:

But yeah, $360 a year is the exception NOT the norm, even for someone with a good long driving record. The norm is probably closer to ~$75 a month or close to $1000 a year. So you're wrong on saying someone paying more for insurance is bad with money.

I haven't paid more than $400/year in any of the 3 states I've lived in recently for the same coverage, though.

# ¿ May 5, 2014 03:44

Dik Hz: Feb 22, 2004; Fun with Science

Veskit posted:

You really can't make generalizations like that. If he doesn't have a lease there's a solid chance has zero legal rights to live in that house. There are many times landlord tenant laws only apply to people with leases because it falls under contract law.

It depends a great deal on the state. gently caress, when I lived in Maryland verbal leases were binding contracts. So, "You can crash here until you get back on your feet" confers full legal rights as a tenant.

# ¿ May 10, 2014 02:02

Dik Hz: Feb 22, 2004; Fun with Science

FrozenVent posted:

BFC is E/N with a quantitative approach.

Business, Finance, and Careers � Bad with Money: E/N with a quantitative approach.

# ¿ May 24, 2014 00:37

Dik Hz: Feb 22, 2004; Fun with Science

spwrozek posted:

I know a lot of people who do it. It is hard to take 33 days plus 11 holidays and do your job for most people.

Government? Military? That's 22 days more than I get off, and I bet you get sick days also....

# ¿ Jun 13, 2014 02:24

Dik Hz: Feb 22, 2004; Fun with Science

THE RED MENACE posted:

Luckily my mom forced me to apply for scholarships my senior year in high school. So at the awards ceremony for grades/accomplishments at the end of the year, I walked away with 5 scholarships (2 of them by default becuase no else applied). The big one was a $10,000/year for 2 years stipend from the Free Masons of California which leads me to believe they'll be asking me for a "favor" in the future .

It'd be nice if you attended a meeting or two while you were back home for the holidays to let 'em know how you're doing and show them that the money is being put to good use. It might even help you find a job when you're out. That, or kill a dude in 10 years.

# ¿ Jun 14, 2014 20:48

Dik Hz: Feb 22, 2004; Fun with Science

canyoneer posted:

If you're buying individual stocks with money you can't afford to lose, you are insane with money and have a risk profile akin to running through the zoo's tiger enclosure wearing only a meat bikini.

Well, that's significantly less risky than a meat tuxedo.

# ¿ Jul 10, 2014 00:24

Dik Hz: Feb 22, 2004; Fun with Science

Jastiger posted:

No I mean the seller. WHy isn't it a law that the seller has to have any kind of reno done before a house is sold? I thought if you were doing any of that stuff, flipping the house, or living in it, it had to be signed off on. Regardless. Right?

Correct, but the seller broke the law. But it's civil law, so the seller can just declare bankruptcy for his flipping business, shed the liability, and reform a new business. If the seller can even be found.

# ¿ Jul 19, 2014 21:29

Dik Hz: Feb 22, 2004; Fun with Science

Blackjack2000 posted:

I work for a 401(k) provider and I would guess that most of the plans we administer offer at least an S&P 500 Index Fund. It's not always as cheap as Vanguard's, but paying an extra 20 basis points on your S&P position is not really going to have a huge impact, even compounded over 30 years.

Edit: I'm not sure what the second question means, are you asking why you can't just sell the actively managed fund and take the money and open an IRA with it? 401(k) assets belong to the plan sponsor, not the individual participant, until they take a distribution or loan. If you take a distribution before retirement age you get hit with a 10% penalty on your principal and earnings. So if you sold the actively managed fund, the money sits in cash inside the 401(k) plan and you have to choose from funds within the plan's menu.

I think I just did a really lovely job explaining that.

20 basis points means retiring 5 months earlier to me (in 25-30 years). 5 months of free labor is most definitely a huge impact.

# ¿ Aug 17, 2014 15:26

Dik Hz: Feb 22, 2004; Fun with Science

disheveled posted:

Cute guesses, but I'll put an end to the game. It's much simpler: I'm a grad student, and all of my income is a stipend off an NIH predoctoral fellowship. If you have direct funding from the feds, then it ends up not counting as wages because it's for "training." I'm required to pay income taxes on it, but I do not receive a W-2, no tax is withheld, and it does not qualify as earned income. One consequence of that is that I can not contribute to an IRA.

It has zero benefit to me, as far as I can tell... it is mostly a vehicle for universities to avoid FICA, I think. Other students in my program do end up receiving a W-2, because it depends on funding source.

Fun times. Speaking of bad with money, our grad school had a program wide training grant with the same set-up. Most of my fellow grad students did not report their stipend, and dodged taxes. As far as I know, none of them ever got caught, because the university intentionally blurs that income to avoid FICA. It's kinda funny how the only people who actually paid income taxes were the republicans in the class. You'd think it'd be the other way around.

Anyway, I'm not sure who's bad with money in this situation, but someone definitely is. Probably the university, right?

# ¿ Sep 30, 2014 02:04

Dik Hz: Feb 22, 2004; Fun with Science

MJBuddy posted:

It's probably just interest rates, which plummeted post-2008.

Yeah some of it is bad money management, but that's just the nature of it. I've considered a 72-month loan purely because I have longer term student loan debt at a higher interest rate than the car, so spreading it out further frees up monthly cash flow to pay that down.

It looks like it would be an issue regarding re-selling it, though, so I'll probably go shorter, but if I intended to drive it 6 years it would be prudent.

We just recently purchased a new (to us) car and went with the max-term 75-month loan because the interest rate was significantly lower than our mortgage.

# ¿ Oct 25, 2014 11:05

Dik Hz: Feb 22, 2004; Fun with Science

Cultural Imperial posted:

What make and model of car did you buy?

2012 BMW 328i

# ¿ Oct 25, 2014 19:59

Dik Hz: Feb 22, 2004; Fun with Science

Das Volk posted:

Just out of morbid curiosity what rate did you get on your 6+ year loan?

Less than inflation.

# ¿ Oct 28, 2014 02:36

Dik Hz: Feb 22, 2004; Fun with Science

Renegret posted:

So says the guy who paid $10 to post on the internet...

...says the guy who also paid $10 to post on the internet.

If you post more, you get a better ROI

# ¿ Nov 3, 2014 23:51

Dik Hz: Feb 22, 2004; Fun with Science

Droo posted:

Most likely the people writing the loan aren't going to hold onto it for all that long, and they have no interest in repossessing your house. They want to write you a mortgage and sell it off to another agency, which won't buy it if all the documentation is in place (or it's 2007).

Even if for some reason you are getting a mortgage from a bank that intends to hold it forever (you shouldn't be), the actual person approving your loan has no interest in blowing off his personal responsibility and having it come back to bite him in the rear end later. Even if the bank makes money repoing your house it might end up costing him his job if he screws up enough.

Also, when banks have real interest in real estate speculation they don't do it by repossessing deadbeat's houses. Most mortgage people write a loan, take their profit and move on to the next deal. A ridiculous amount of conventional loans end up at Fannie and Freddy in the secondary market.

Everyone in here could see the writing on the wall as far as the guy defaulting and losing the house. I'm sure the bank could as well.

# ¿ Nov 5, 2014 13:18

Dik Hz: Feb 22, 2004; Fun with Science

Why do people hate on Iowa so much? It's beautiful, the people are nice, and there's great fishing and outdoors activities. Low cost of living, low unemployment. Y'all a bunch of haters.

# ¿ Nov 23, 2014 22:21

Dik Hz: Feb 22, 2004; Fun with Science

Cast_No_Shadow posted:

At that mark up you dont need to sell many to make a livable wage.

But if you can sell them you can get a better sales job anyway. Cold call sales has to be better than door to door and someone who does well at that can probably walk into a "real" not totally lovely sales job fairly easily.

Talented sales people are few and far between. Anyone that can make enough money to feed a family selling Kirby V.C.s door-to-door can make 6 figures at a real commission sales job.

# ¿ Dec 11, 2014 03:08

Dik Hz: Feb 22, 2004; Fun with Science

Tigntink posted:

I work in very liberal offices in Seattle and there is always a token dipshit Republican who not only can't express their views in a reasonable manner but they are always horrifically stupid financially and spend their time going on about how stupid liberals have ruined housing and their long commute so they can have dogs or some poo poo. One guy was even a single divorcee who kept holding know his 4 bedroom house rather than selling and constantly complained.

Eventually about 3 people will tell that person all the ways their decision is bad and then they go whine to management about how mean people are. Then for a few blissful months no one starts any political chat and then suddenly elections come again and the cycle restarts.

Money and politics are truly melded together so hard in so many ways.

I went to a quite liberal east coast grad school, and the liberals there were loving atrocious with money while the republicans handled their poo poo well. I wouldn't draw conclusions that political party has anything to do with financial literacy. For every stereotype of a redneck conservative with truck equity, there's an art major with $160k student debt to private schools.

# ¿ Jan 3, 2015 00:56

Dik Hz: Feb 22, 2004; Fun with Science

If he's billing for 8 hours and not working those 8 hours, that's classic fraud.

# ¿ Jan 10, 2015 16:30

Dik Hz: Feb 22, 2004; Fun with Science

BEHOLD: MY CAPE posted:

Unless you want to enter a career where degree prestige potentially matters a lot to your long-term career prospects, like law, finance, consulting, academics, etc.

For law, finance, or academics, you need some sort of graduate degree. And that degree is going to be the one with prestige, not your bachelor's. Nobody gives a poo poo about where you did your bachelor's degree if you went to a good law school or grad school. Furthermore, law schools only care about your GPA and your LSAT score because those are the only numbers from applicants that impact their rankings. And you can get into any grad school for science by working in a lab as an undergrad.

# ¿ Feb 7, 2015 14:29

Dik Hz: Feb 22, 2004; Fun with Science

BEHOLD: MY CAPE posted:

Do you think that, in general, when controlling for GPA and standardized test scores, that admittance to graduate and professional school is unrelated to the undergraduate institution one attends? I think that proposition is strikingly false; undergraduates at schools considered selective and prestigious are probably at a significant advantage for admissions to graduate programs considered selective and prestigious.

Yes. Absolutely. I went to a very prestigious grad school for biochemistry, and you got an interview for the PhD program if you had a decent GPA and had done research in an academic lab as an undergrad. You got an offer if you could intelligently talk about your research and you weren't insufferably weird. Getting your own funding from a competitive grant was practically a guaranteed offer. We had a lot of students from schools I'd never heard of before.

Law school is GPA + LSAT score. Nothing more.

The only advantage in getting into a graduate program is the connections and other students. You're more likely to run into someone who can show you how to get into a prestigious graduate program at Harvard than at University of Bumfuck. But if you know what's needed, you can accomplish the requirements at either school.

# ¿ Feb 8, 2015 21:27

Dik Hz: Feb 22, 2004; Fun with Science

Jeffrey of YOSPOS posted:

Firing an employee because they have a beer at lunch (even if they have the petty argument) seems pretty bad with money on the company's part too. It's one thing to fire them because of their ego but how did they not figure that out in the interview?

If they're a federal contractor, they most likely have to be on record as to being zero-tolerance about drugs and alcohol in the workplace. That's the bigger issue. If the boss is seen as permitting alcohol in the workplace, he can lose the federal contracts. Which means everyone loses their jobs. I know it shouldn't be a big deal, but speaking as a manager at a company on that list, it really is a big deal.

# ¿ Feb 18, 2015 00:17

Dik Hz: Feb 22, 2004; Fun with Science

Rudager posted:

If he was a good salesmen and ignored all the MLM bullshit (meetings, recruiting, buying stock, etc) then it becomes a basic little business, buy some knives off your supplier and sell them for more to customers, so I can see how it may not have even seemed like a MLM to him if he's a good salesman.

Good salesmen are rare and very talented. If you can make money on CutCo, you can make 6 figs easy as an outside sales guy for a non-MLM company.

# ¿ Feb 19, 2015 04:26

Dik Hz: Feb 22, 2004; Fun with Science

Mantle posted:

Dear thread, I am sorry I said to let you eat cake.

No offense, but you sound like someone who has never had anything bad ever happen to them. You're treating personal finance like a high score, and you really don't understand why people advocate so strongly for an emergency fund.

Do you have kids and/or potential dependents? How's your health? Do you live in an area prone to disasters?

I mean, if you're a single dude in good health with the bank of mom&dad to fall back on, you probably don't need as much of an emergency fund.

# ¿ Mar 2, 2015 13:19

Dik Hz: Feb 22, 2004; Fun with Science

Henrik Zetterberg posted:

This was my daughter's first year of selling Girl Scout cookies. It's unbelievable how many people said "how many do you have? I'll take them all, then sell them for $20/box [they're $5 normally] during the summer when no one can find them!"

Putting the incredible douchiness of that aside, Girl Scout Cookie equity is apparently a thing.

Business, Finance, and Careers � Bad With Money: Girl Scout Cookie equity is apparently a thing

# ¿ Mar 9, 2015 23:47

Dik Hz: Feb 22, 2004; Fun with Science

BossRighteous posted:

Well no sense lying about it. Gotta let the shame burn me.

I just spent $2200 on a 3D printer

$2200 is fine to spend on a hobby, or a potential small business. Plus you could probably firesale it for $1500, so you're only really out $700 or so. Give it a go if it's not breaking the budget. Happy wife = happy life.

# ¿ Mar 20, 2015 23:04

Dik Hz: Feb 22, 2004; Fun with Science

Blackjack2000 posted:

I always thought that "new model replacement" option was weird. It set up perverse incentives all around. I mean, why would you even want to reward someone for destroying their car?

Insurance companies pretty much only offer products they make money on.

# ¿ Mar 22, 2015 13:13

Dik Hz: Feb 22, 2004; Fun with Science

Rudager posted:

There really needs to be a "Bad with Money: Wedding edition!" thread that's totally separate from this one.

Totally agree. Anytime anyone mentions a wedding anywhere on this site, people fall over themselves to post about how cheap their wedding was and how awesome it was. Nobody cares.

# ¿ Mar 25, 2015 12:02

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# ¿ May 4, 2024 14:56

Dik Hz: Feb 22, 2004; Fun with Science

MrKatharsis posted:

You could triple my pay and I still wouldn't move from Seattle to Des Moines.

Bad with money, I know.

I love Des Moines and would move there in a heartbeat if I could convince my fiance to move there.

# ¿ Apr 11, 2015 18:46

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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