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

Tomfoolery: Oct 8, 2004

I helped a roommate with some finance issues a few years ago. Looking through his list of debts/etc. in excel I thought he had made an error when I found a 20-something percent monthly interest rate on a loan for several thousand dollars. He had to convince me that this was right, and that he had taken out a payday loan in order to pay for a vacation.

On the other extreme: I worked with a highly competent consultant who quickly rose through the ranks, making on the order of 150k annually after bonus, etc. Keeping that in mind:

He did not rent an apartment. He made sure to never spend any week at his (technically) home office, rather flying out to either another city or meeting with a client. This meant he could expense hotels to practice development or the client. On weekends, he would pay for his 2 days of hotel rooms through priceline.
He gamed the hell out of frequent flier programs: when he flew to clients or other branches, he would often add legs to his trip if it wouldn't add to the total cost (as this would gain him additional miles). He would sell the free flights that would accrue to his colleagues, and made so much money doing this he reported it as taxable income to the IRS. I think he got cash back on his credit card (to which he booked all his hotels and flights).
He had almost no other expenses. Being a nomad, he didn't own a car or many other belongings (he had some stuff at his parents). He ate his meals at simple restaurants like Chili's and didn't drink. And needless to say, had no girlfriend to entertain.

I'm pretty sure he managed to keep his expenses to <10% of his salary.

# ¿ Jun 28, 2013 07:40

Adbot: ADBOT LOVES YOU

# ¿ May 4, 2024 06:53

Tomfoolery: Oct 8, 2004

Chupe Raho Aurat posted:

I have brought it up a few times, but short of screaming I don't think im getting much information out of her. Don't get me wrong, its not like we are just watching and not concerned, but at the end of the day she is a grown up and we simply have no clue what's happening.

Besides the funeral, are you planning on supporting her if she gets fired, retires, or can't work due to illness? If so you have some right to know where the money's going.

Content: I have another consulting ex-coworker who has a highly paid job, married to an equally highly-paid professional. They bought a fancy home in the suburbs of Chicago, and then in 2008 or so decided to buy a posh home in the city too, because of course Chicago will be the site of the 2016 summer Olympics. Chicago lost the bid in 2009, right on the heels of the subprime mortgage crisis. They were living paycheck to paycheck with a combined salary of $200-$300k

# ¿ Aug 2, 2013 09:48

Tomfoolery: Oct 8, 2004

My retirement plan is a suitcase full of cash, drugs and handguns I will take to Las Vegas when I'm bored of it all

# ¿ Nov 25, 2013 20:26

Tomfoolery: Oct 8, 2004

tuyop posted:

The suitcase full of cash will be a bonus* obviously.

*Read: Money from selling a car, divorcing a wife, working at a mysterious job in "finance", or some other kind of hustle.

I would argue that borrowing against your 401k to finance a final blowout in Vegas would be using your retirement money for its intended purpose

# ¿ Nov 25, 2013 23:50

Tomfoolery: Oct 8, 2004

My friend's girlfriend started selling Kangen water iodizers - these things create some acid and alkaline water from your tap for the low, low price of $4k each. Apparently they hydrate you better than normal water, cure cancer, and can replace shampoo/soap/medicine. To start selling, she had to make an initial 'investment' of $1.2k, which she didn't have, so she borrowed it from her boyfriend, with everything she owned in their apartment as collateral (they live together).

My conclusion is that she's bad with money and he's bad at breakups.

# ¿ Jan 9, 2014 02:19

Tomfoolery: Oct 8, 2004

Trilineatus posted:

"what if the bathroom needs audio too"

Subwoofers in bathroom - the cure for constipation?

# ¿ Feb 21, 2014 06:39

Tomfoolery: Oct 8, 2004

spog posted:

I still don't get it. Are we talking about wooden toothpicks?

Or some kind of silver, souvenir jobbie?

I'd expect it's either toothpicks with a little monogrammed flag on them, or regular toothpicks in a monogrammed box.

Bad with money: Olive Garden stopped salting its boiling pasta in order to improve the longevity of its pots

# ¿ Sep 17, 2014 16:53

Tomfoolery: Oct 8, 2004

Path of Exile is a free to play diablo clone that's selling 'supporter packs' to fund their next expansion. These range from $30 to $1,100 and give you various cosmetic goodies (weapon animations, etc.)

From https://www.pathofexile.com/purchase

quote:

Payment Plans: Because you can merge points packs (purchased since April 20) up to 80% of the value of a supporter pack, you can make intermediary payments towards a pack and then spend the points immediately. If you'd like to arrange a more complex payment plan or have any questions, please contact support@grindinggear.com!

Digital cosmetic item equity

# ¿ May 17, 2015 00:06

Tomfoolery: Oct 8, 2004

High Lord Elbow posted:

We have both a Fidelity Amex and Visa, both set to deposit 100%of the rebates into my children's 529 accounts. Amex gives 2% and Visa gives 1.5%, so we only use the Visa at places that don't take Amex. We put absolutely everything we can on the credit cards and pay them off in full each month, with autopay drawing from checking on the due date. It's free money for my kids and a month of float for me, not that that matters at current interest rates. I also like having everything I buy on 1-2 electronic statements that I can compile in Excel.

And whoever said they cut the rebate to 1% if you pull it out of Fidelity accounts is full of poo poo. Yes, you need a brokerage account, but once it hits, it's cash like any other.

Doesn't the fidelity amex give you the full 2% directly as cash rebates if you redeem points in $250 increments?

# ¿ Jun 29, 2015 18:17

Tomfoolery: Oct 8, 2004

Sepherothic posted:

The Money Pit Institute of Colorado.

27 Google Reviews 2.5/5 stars
https://plus.google.com/113753839111245825054/

6 Reviews 2 stars
http://www.yelp.com/biz/the-art-institute-of-colorado-denver

Wow. You know your art school is poo poo when they can't even manage to pull positive reviews on yelp. Hell, that you're even on loving yelp.

At this point, I think it would be cheaper, easier, and more educational to shoot yourself in the foot, deal with the medical bills, and go on with your life than attend an Art Institute.

Going to anything less than a 4 star university is BWM

Devian666 posted:

Futurist is saying a lot of countries will have 40-50% unemployment due to automation. Countries are bad with money and people.
http://www.stuff.co.nz/business/industries/70524681/futurist-gerd-leonhard-predicts-50-per-cent-unemployment

The correct term for these people is Luddites

# ¿ Jul 25, 2015 16:03

Tomfoolery: Oct 8, 2004

There are little cheap signs stuck in lawns in a run-down area of Chicago that say "CA$H for diabetic test strips". Are they looking to buy discounted medical supplies from poor diabetics? Is this good with money or bad with money? Do the diabetics have STEM degrees? Discuss.

# ¿ Sep 9, 2015 18:34

Tomfoolery: Oct 8, 2004

detectivemonkey posted:

My sister buys limited-release diaper covers that apparently have a big following and cost about $50 each.

Sometimes people pay over $100 for older patterns.

These go over a cloth diaper. Which a baby wears to catch its poop. $50. I think we can all, liberal arts and STEM majors alike, come together against this practice.

http://www.toiletpaper.com.au/24-carat-gold-toilet-paper-1-roll/

# ¿ Sep 9, 2015 18:36

Tomfoolery: Oct 8, 2004

Radbot posted:

I love the idea of Consumer Directed Healthcare Plans, as if there is anything you can do to consciously reduce costs besides avoiding ambulances/the ER.

Consumer Directed Healthcare Plans do have a visible effect on spending. For example, near the end of the calendar year medical expenses go up for people who've been holding off on medical care, passed their out of pocket maximums anyways and decide to go for broke.

# ¿ Oct 28, 2015 21:43

Tomfoolery: Oct 8, 2004

Open up your hearts and wallets

https://www.gofundme.com/kanyesmedicis

# ¿ Feb 19, 2016 21:19

Tomfoolery: Oct 8, 2004

Tigntink posted:

There's someone out there with "Horse Fluffer" on their resume. I guarantee it.

https://www.youtube.com/watch?v=qnmlSr5x-YQ&t=20s

# ¿ Mar 10, 2016 18:53

Tomfoolery: Oct 8, 2004

Just become a lich for the low price of 100k gold pieces and a phylactery

# ¿ Apr 22, 2016 19:48

Tomfoolery: Oct 8, 2004

I was at an art gallery open house a few days ago which had a few booths selling things - one of them was for a company called "pyramids theme" which sells a kit that teaches you to draw. This kit includes stencils you can use at first to trace out other people's drawings (along with their stencilled signatures) which you can sell to friends and family. Once you improve, you can begin creating your own stencils which other artists can draw to then sell to their friends and family. Also, he recommended drawing in a public place like starbucks so people will ask about your stencilling and you can sell them a packet. The stencil they showcased showed pyramids.

Given the gallery had lots of performance art, and the company's name, was this BWM? Or an insightful and lacerating invective into the human conditions of BWM through the medium of gallery booth?

# ¿ May 16, 2016 16:45

Tomfoolery: Oct 8, 2004

Dwight Eisenhower posted:

This is trivially false. Co-signing horse loans strictly dominates co-signing auto loans in BWM terms.

You can't eat a car

# ¿ Jun 13, 2016 21:39

Tomfoolery: Oct 8, 2004

High Lord Elbow posted:

Phone I can't tell if you're trolling or really bad at communicating.

Phones are generally used for communication.

# ¿ Jul 3, 2016 08:27

Tomfoolery: Oct 8, 2004

From the same thread:

quote:

I was married to this guy, except he was only $60,000 in debt. Note the key word "was". We were never able to live a normal life because he acquired all this debt and didn't know how to manage his money. It was constantly stressful, and I resented him. I gave him $10,000 to put towards it (in addition to sharing financials and contributing to it with my paychecks!) and he ran it back up in a few years.
When we divorced after 7 years, he was still only making minimum payments on the credit card he opened to buy my $1200 engagement ring. In other words, I had been paying for my own engagement ring the whole time.
OP's fiancee needs to cut her losses and run.

# ¿ Jul 8, 2016 17:30

Tomfoolery: Oct 8, 2004

VendaGoat posted:

We need a spectrum definition for this thread of Ultra-BWM to Ultra-GWM and all the minutia in between.

The plural is 'minutiae'

:goonsay:

# ¿ Aug 15, 2016 22:57

Tomfoolery: Oct 8, 2004

I Like Jell-O posted:

If you want to be all selfish about it, someone who is a faithful member of a religious community may well receive excess value from additional benefits, either in the form of direct support (having a hard time? Dinner for a week!), or indirectly (car broke down? Borrow my extra car while I pop the hood. Just bake me some cookies!). Not all communities are created equal, and such benefits only really make sense if you actually have some belief, but it does tend to keep you humble. Volunteering time is another way keep yourself grounded.

My girlfriend told a coworker about a bank issue she was having (cable company she never used had been incorrectly charging her) and that coworker set her up with a Mormon bishop who is also a lawyer. Apparently Mormons get free legal counsel from bishops which is awesome.

# ¿ Aug 18, 2016 20:32

Tomfoolery: Oct 8, 2004

Parallel Paraplegic posted:

When I bought my car they checked my license and stuff

I've rented a car with an expired license. Saved the $20 new license fee, GWM!!!!

# ¿ Sep 15, 2016 17:24

Tomfoolery: Oct 8, 2004

Devian666 posted:

Some BWM: getting bitten by a rattlesnake then being sent a bill for $153k.
https://www.reddit.com/r/bestof/comments/3dopek/user_posts_a_copy_of_his_153k_medical_bill_for_a/

5 days in hospital $1.1m
https://redditblog.com/2015/11/24/redditor-receives-1-million-dollar-hospital-charge-for-5-day-stay-with-no-surgery/

I used to help hospitals set up their price lists. Basically every health insurer has a super complex method to calculate what they pay hospitals. "Charges" (what the hospital asks the uninsured to pay for care) is a big part of those payments. We would use detailed models to maximize payments across all our insurers while minimizing the chance of negative news articles like the one above - the easiest way to do that is to set all of the charges to above 20% above average so we could say for any hospital stay that what we charged is in line with the area. Of course, most hospitals do that now so those charges get more and more ridiculous.

FUN FACT: The only people that would reliably pay the insane rates hospitals charge the uninsured are Mormons, I think it's against their religion to default on debt or something.

# ¿ Nov 16, 2016 00:51

Tomfoolery: Oct 8, 2004

quote:

At one recent funeral for a travelling family, Matthew provided a fleet of Rolls Royces and a double decker Routemaster bus to transport the family to the service.
Once there, they wanted farmyard animals grazing outside and a red carpet laid out.

Another mother-of-three planning her funeral requested a glass coffin because she wanted it to emulate Snow White and have a fairytale theme.

http://www.dailymail.co.uk/femail/a...h-cash-die.html

# ¿ Nov 16, 2016 02:09

Tomfoolery: Oct 8, 2004

FrozenVent posted:

I still don't get how he managed to do that without anyone crying foul. Last time I had a corporate card I had to justify every line item at the end of the month... my boss got chewed out for buying Starbucks with a supplier and not keeping the receipt once (although that had more to do with accounting not like her than anything)

I got a call recently from HR - due to an error in our expense system, they reimbursed me directly for a flight I'd put on my corporate card rather than paying off the card. This happened 3 years ago and they just noticed that I owed them $500. Apparently a whole lot of people had this issue and lots of them had left by the time HR found out (the company had to eat the loss for those people).

# ¿ Dec 10, 2016 18:35

Tomfoolery: Oct 8, 2004

ate all the Oreos posted:

Also lol if you think immortality research, if successful, will go to benefit anyone but the ultra-wealthy due to astronomical treatment cost and probably intentional secrecy / exclusivity, at least within our lifetimes.

Not to derail or anything, but Toucans have a lifespan of about 20 years.

EDIT: To close the loop, toucan anti aging cream:
https://www.toucan.ro/product/unforgettable-anti-aging-cream/
They are about $30 each so probably bad with money

# ¿ Dec 14, 2016 05:23

Tomfoolery: Oct 8, 2004

How to buy a Lamborghini without being a millionaire:

quote:

The financing that you didn�t know existed
Most people think of financing in the sense of traditionally putting 20% down, and paying a note over 60 months in order to pay off their car. Traditionally this makes sense as your goal is to pay off the car faster than it depreciates, so a good down payment and higher payments will get you there.
In the case of an older Lamborghini over five years old that has already eaten its time depreciation, it doesn�t make sense to jeopardize your cash flow. The car won�t depreciate anymore based on time, but only based on mileage and condition. There are many places that allow financing up to 72/84 months based on the exotic and low mileage nature of a Lamborghini.
If financing a $100,000 Gallardo, your typical thinking is to put at least $20,000 down in cash and then pay somewhere around $1,500 a month for 60 months. That is steep for most people, and while I wish it wasn�t the case for most, it is simply hard to let go of $20,000 cash and take on a $1,500 payment which is similar to a mortgage.
The alternative is the ability to finance the same $100,000 with $0 down and 84 month financing. Now, the same car only costs $1,100 a month with no cash out of pocket. Still fairly steep, but a lot better. While you may pay $1,100 x 12 each year, the car no longer depreciates; therefore, all you are doing is simply paying yourself.

quote:

Find a car in a desirable color. The best colors for the Gallardo in order of resale value are as follows in order: Green, Orange, White, Yellow, Silver, Gray, Blue, and then Black. While you may want to keep your Lambo forever, you will quickly realize why many dump them so quickly.

quote:

Examine the interior trim and buttons even on low mileage cars. Most Lamborghinis were made with Audi parts, which means cheap plastic is present in many areas of the car, especially in 2004-2006 models. The plastic button controls get worn out quickly; and even though everything may look great in images, it can be costly to replace and disappointing in person as the [b]plastic turns sticky and uncomfortable to operate.

quote:

Exotic cars are high-dollar cars and repairs are not cheap if they occur, so while there is some risk of a few expenses, there is also the ability to write off any problems that occur with the car as well as the car itself as an asset.
Leverage creating a blog to review cars, make a conscious effort to market it, and ensure cars you buy are listed on there with case studies, etc.
More importantly, reimburse yourself the payments because you are using the car for business purposes. This gives you yet another gain and reason to buy yourself the Lamborghini of your dreams.

It doesn't sound like the author even likes Lamborghinis

# ¿ Jan 8, 2017 21:15

Tomfoolery: Oct 8, 2004

There was a whitecastle near uptown in Chicago that was advertising valentine's day dinner reservations.

# ¿ Feb 16, 2017 17:10

Tomfoolery: Oct 8, 2004

Do preppers have to eat their lovely canned food every 5 years before it goes bad, even if there isn't an apocalypse? Or do they donate it / throw it away?

# ¿ Feb 22, 2017 21:14

Tomfoolery: Oct 8, 2004

Enos Cabell posted:

And much like any time you hand over cash, be sure to research what you are getting for your money. BWM: Donating to my local Goodwill http://dataomaha.com/media/news/2016/goodwill/

I like when for-profits ask people to "volunteer" for them, like Color Run. They advertise the hell out of their races, charge a lot of money per head, and then get a bunch of people to do most of the actual legwork for free. GWM!

# ¿ Mar 8, 2017 15:50

Adbot: ADBOT LOVES YOU

# ¿ May 4, 2024 06:53

Tomfoolery: Oct 8, 2004

I walk to the sink and start washing my hands mid-pee

# ¿ Mar 27, 2017 19:13

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