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I very much like this quote that was apparently paraphrased from John Steinbeck: "Socialism never took root in America because the poor see themselves not as an exploited proletariat, but as temporarily embarrassed millionaires." People love to spend as though they're just a paycheck away from something magical happening that will solve all their money problems without any change in behavior.
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Jul 3, 2013 03:46
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Tony Montana posted:So again, the popular talk of 'renting is throwing your money away, at least I'm paying somethig off' needs to be critically thought if against what your debt costs you. It is also important to consider opportunity costs. My wife and I may not live in the area in 5 years. Purchase prices for homes are highly inflated in our area (DC). Renting provides insurance against catastrophic property loss (AC breaks and don't have money to fix it?). We can rent in an area that allows us to walk to work (no transportation costs or car required), while my friends who buy have to live further out to find places they can afford. Choosing a place to live is filled with intangibles that everyone values differently.
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Jan 20, 2014 05:16
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Jeffrey posted:Advice about money is often pretty unwelcome. We've certainly created quite the culture here in America where money is super important to everyone but we're also taught to avoid talking(or thinking) about it and to project things as better than they are. It's pretty frustrating and having a place to talk about it sanely is nice. I've started just straight asking people, including co-workers, how much money they make. I think that the whole idea of salaries being secret conspires to keep workers from knowing where they stand, what they could make elsewhere, etc. I have used that knowledge to negotiate higher pay, and figure out where I stand at an employer - keeping salary info taboo helps only employers.
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Jan 21, 2014 22:09
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tiananman posted:This is true, which is why you should be careful. Depending where you work, this kind of thing could get you canned. Is it ethical or even legal? Maybe not, but it's the truth. Absolutely. I was under the impression that my non-profit was so strapped for cash that everyone was together in the low salary basket. Then I found out that a colleague had gotten not one, but two raises in the past year. I did not specifically reference my knowledge of that information, but it allowed me to know that they actually did have the money to adjust your compensation if they thought it was called for and press just a little harder for my own raise (i.e., not taking "we don't have the money" as an answer).
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Jan 21, 2014 23:49
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oh my god who cares edit: about debunking salary talk. train restaurants are great.
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Sep 4, 2014 02:08
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EugeneJ posted:Megabus is actually cool when you can get a good rate Buses on the east coast are the prime example that bus is not the worst way to go. $15 from downtown to downtown or $150 from airport to airport... Also if you use a discount code or Priceline you can get a rental car from the airport for under $20 a day. I agree that the cost benefit from Zipcar has really gone downhill...there are only a few specific situations when I can see it being cost effective (there is a Zipcar in the basement of my office, and I can expense it directly)
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Sep 16, 2014 03:17
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Spermy Smurf posted:So I have a question. I'm going to be renovating a house and buying an assload of construction stuff. $12,000 in cabinets/countertops, sheetrock, paint, wood flooring, carpet, lights, insulation... Is getting a card with some kind of cash back a dumb idea for this basically one-time expense? We will be paying off the card with cash immediately, just trying to get some cash back or miles or something. It's not necessarily a terrible idea, as long as you rock-solid stick to your intention to pay it off with cash immediately. Just don't get too optimistic - at a pretty-good case scenario with $12,000 in spending at 2% cashback you're looking at $240. As someone else said, better to get a card with a great bonus but a high minimum spending requirement at sign up.
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Oct 17, 2014 16:37
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Agreed on the cycling front. I think the point is that you can easily bike a) a lot farther and b) in a wider range of conditions than most people tend to think. People reflexively rule out cycling if their destination is further than down the street. I used to ride about 6.5 miles each way to work and school, using a bike trail most of the way to school, and people used to look at me like I was insane. Especially when it got cold and I busted out the balaclava, scarf, and gloves. But it only took me about 30 minutes each way, faster than a bus commute.
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Dec 3, 2014 06:44
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CitizenKain posted:This is terrible with money: I, uh. wow. That's truly impressive.
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Jan 22, 2015 04:30
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Sephiroth_IRA posted:Yeah I feel bad for her and it sucks that a lot of business boils down to deceiving people who are ignorant for good reasons, like being young. http://www.metacafe.com/watch/hl-6122223/king_of_the_hill_sticker_price_season_12/ "special deal"
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Apr 9, 2015 16:53
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pig slut lisa posted:
I just saw an ad for Digit. It has a "no overdraft guarantee" - which I interpreted as them calculating their withdrawals so that you won't overdraft your account because they've been moving bits to savings. But no, it is a guarantee that THEY will not overdraft your account. If you're so close to overdrafting that you're worried that $5-50 bucks a month will push you over the edge...
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Nov 30, 2015 10:02
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Mary update
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BEHOLD: MY CAPE posted:Shots fired, wherein a world weary 29 year old bartender who lived the privilege of being functionally unemployed in NYC while living at mom's house after graduating college does some 'splainin to Talia Jane, fired yelp call center employee: It gets very much better. The "world weary 29 year old bartender" preaching against handouts from strangers is living her dream as a writer because her mom contributed a few grand to her kickstarter: https://www.kickstarter.com/projects/1599633119/front-of-house-a-web-series/description https://twitter.com/Lubchansky/status/702131697920434177
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Feb 24, 2016 08:15
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I would love to end the "having kids is BWM" derail. You really get into some tough moral territory here. Do you require an income test to have children, so that poor people aren't allowed to have kids?
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Mar 20, 2016 17:11
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Also what the gently caress is the point of an LLC if you can't just fold the company and start another one? It's "limited liability"?
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Jun 9, 2016 01:10
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Series DD Funding posted:It's limited liability that doesn't apply to torts personally committed by you. Good to know!
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Jun 9, 2016 16:55
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Subjunctive posted:Yeah, driving a cargo van around Manhattan sounds like a great life choice. Why yes officer, I did just rent this van to park it in various areas around Manhattan. Wait, why are you arresting me?
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Jun 10, 2016 21:45
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Good With Money: Owning a famous stud that earns a ton of money for getting it on with other horses. Bad with...well I guess this is still fine: The Stud Who hosed Himself to Death
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Jun 12, 2016 02:47
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Got any spots open for that paid training?
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Jul 5, 2016 15:15
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That girl dodged a massive bullet, holy poo poo.
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Jul 11, 2016 17:55
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pig slut lisa posted:Caught this gem of a Dave Ramsey call-in on my way to the grocery store tonight: https://www.youtube.com/watch?v=SpAB7K4EIUE&t=4867s I had never heard Dave Ramsey before...he does not sound like I imagined. Kinda like a financially savvy Boomhauer from King of the Hill. You got that dang 'ol debt man. You gotta go nucular. Also, the silence on the line when he says "you gotta sell those cars" is priceless.
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Aug 18, 2016 05:36
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that idiot posted:Nice i'll try to get it paid off, my boy got me in a real soft high stakes poker game thats running tonight Master-class in trolling
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Aug 23, 2016 15:57
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TLG James posted:I always wonder if those horses in downtown areas have more issues now that the average american is like 50 lbs heavier. True story: I once worked a wedding venue in TX. One bride decided that she needed to pull up to the indoor ceremony outside in a horse-drawn carriage. This particular woman was rather overweight, and it was summer. In Texas. She had to sit in the carriage outside for like half an hour, and I think really regretted that choice. The staff had to keep bringing her cold bottles of water. Bad with wedding expenses.
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Aug 26, 2016 18:26
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BWM: Investing any money in this company: http://www.bloomberg.com/news/articles/2016-08-25/plot-thickens-in-sec-case-of-a-35-billion-company-no-one-knows Bloomberg posted:The company said Zubkis asked for the leave due to concern that his continued involvement with Neuromama would embolden short sellers keen to drive down its shares. Zubkis also cited a “crusade to bring his daughter’s murderer to justice” by persuading police to reopen the case, according to the statement. 
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Aug 26, 2016 21:42
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Lol at the overspending guy:quote:Lots of suggestions on cutting Food down. We don't eat out a ton but we can certainly get it to 0. Most of the money goes to Groceries and Gas. quote:Definitely plan to stop eating out. I just started YNAB this month and we've been pretty good with tracking our expenses...it looks like we spent ~$700 eating out this month. edit: lol just noticed my name change courtesy of the gibbis thread. GWM!
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Sep 29, 2016 02:16
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Powerlurker posted:Found another gem on Reddit: Holy poo poo look at the OP's posts in that thread. Dude is a straight up rear end in a top hat. quote:I didn't get her pregnant. It takes two people and I just trusted her to not lie about BC. I get it. I am dumb and messed up. quote:It is not my fault she is poor. She didn't have to have the baby, she didn't have to get pregnant. It is what it is, I am trying to find a way for it to be fair to all parties. Hey look, I know we had sex and everything but it's not MY fault she got pregnant.
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Oct 3, 2016 05:27
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quote:I have converted 100% of my remaining net worth into BTC over the past day and am waiting on the sidelines to buy the quarterly as soon as we see a decent red candle. All cash, all savings in bank, all sellable assets (that I could liquify) now in BTC. I have enough in the bank to pay reoccurring payments like netflix and gym membership for a month, and 1 month of credit card payments. bitcoin guy from earlier is not doing that great: https://www.reddit.com/user/extratrading quote:gently caress this poo poo and gently caress bitcoin. I never want to hear the word again. I dont care if it goes to the moon im out. I just want to live a happy modest life when you get your hopes up and they are destroyed there is no worse feeling. I dont give a rats rear end if you think im trolling or not i think we can safely say im not walking away from this one unscathed quote:I'm still addicted to staring at the charts while thinking of ways to invest and start trading again. I am done with it, it can gently caress off, I just have to make my money back. quote:Guys please. I hope you are right about a bounce. I just went all in with the rest of my meager funds, lucky it took a while to confirm otherwise I would have bought in just before the drop. I am now 25x long from 845 with 808 liquidation. Please save me and let me have my losses back. I cannot deal with this anymore. quote:My trading account got rekt for everything. Still had 4 coins in cold storage that I deposited. Lost 30 coins over the last 2 days overall.
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Jan 7, 2017 20:54
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