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I drunk
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Jan 1, 2017 04:05
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| # ¿ May 14, 2024 21:40 |
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Innovate and disrupt are two of the stupidest words that are thrown around Borders and RadioShack didn't fail because they weren't innovative, they failed because they absolutely refused to shift their strategy (or pivot, another dumb buzzword) to something that met their customers demands
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Jan 3, 2017 03:07
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this makes me wonder what the gently caress was going on at my old 600sqft flat because my heat and electric bills are virtually the same if not cheaper and my current house is 2100sqft
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Jan 3, 2017 04:44
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Let's be honest things are going to be a lot better for all us white males but it will suck to be anything else
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Jan 3, 2017 05:49
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cursedshitbox posted:You can go eat my dick. It sucks and I look forward to nuclear vaporization
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Jan 3, 2017 06:37
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iwentdoodie posted:Joys of an old parent. Home on vacation, sitting watching TV and my mom gets up then falls back down shaking. To be fair aren't you in the military and as such know how to handle high stress situations?
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Jan 5, 2017 04:34
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So how do truck tires work compared to car tires? Are there summer v winter tires, or is it all All-Season? What are good tires to get? What if my penis is small and I want to let the world know?
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Jan 5, 2017 07:29
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If I could afford one of those big fuckoff turbo diesel trucks I would get one simply because I'd have more than enough power for whatever I want to do and it will also survive longer than 6 or 7 Subarus would Of course all the coal idiots ruined them and then cranked the prices to insanity for a 10 y/o truck with 300,000 miles on it
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Jan 5, 2017 07:56
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I paid my student loans off recently thanks to my mum. She always felt awful that I had a massive student loan and she wasn't able to help, and one of our last conversations was about how she was at least glad that she'd be able to take care of that when she passed and she was glad that I wouldn't be paying $3000/month for 2 years to pay them off on my own It's bittersweet 
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Jan 10, 2017 18:56
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Somewhat Heroic posted:Genuinely good thing by your mum and good for you on being responsible. That is a huge kick start on making the life of your family into a prosperous one. That is truly a great way to honor your mum. yeah it's loving insane how huge of a kickstart this is for us. suddenly we can pay double payments on our mortgage and have a fully funded emergency fund. we've never been able to spend money without thinking "hmm it's this or some groceries which is more important" so it's going to be a whole new world for us it's such a huge blessing i can't even begin to describe it
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Jan 10, 2017 20:11
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BraveUlysses posted:double payments might be going a bit overboard, you might just be better off saving most of that money or starting to contribute more of your pretax wages to a 401k, especially if your employer offers matching contributions and you aren't already taking them. Yeah that's probably a good idea. I'm gonna calculate how much a 15y mortgage would be per month then just pay that instead since paying off the house is the last debt good ole Dave Ramsey says to do
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Jan 11, 2017 07:42
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Rhyno posted:TT that is pretty awesome and money is cool but can we get some doggo pics already?  Here he is after shredding my couch while I was sleeping     Only reason I didn't murder him is because I got that couch at a garage sale for $30 Yu-Gi-Ho! posted:Make sure there's not an early payoff penalty first. If there is, you may want to look into refinancing, and compare the refi cost to the early payoff. Yeah  and there is no early repayment penalty so I technically could have dumped the money into that instead, but my mortgage is a 3.25% rate with 3% APR and my student loans are 8% 
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Jan 11, 2017 08:57
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Adiabatic posted:Unless you and your wife's household income is enough to qualify for the alternative minimum tax, I would definitely use the money for investment instead of paying down your mortgage. With the mortgage interest tax deduction and 3.25% APR, you'll see way better returns. Obviously past performance /= future gains etc etc but index funds will put you in a waaaaay better position given a normal steady rise in the market, even if you only realize your mortgage interest of 3.25%/yr. eh idk, i'm not sure if that tax benefit is better than freeing up $1500/month to put into a mutual fund that will on average give me a 12% return. I should probably go see an accountant or financial adviser of some sort
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Jan 11, 2017 16:39
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Yu-Gi-Ho! posted:QFT. If you're doing decent enough that you're worrying about tax benefits vs paying stuff off, you need a good CPA and a financial advisor. Those can be the same person (sometimes), they could be different people (recommended). But you need someone familiar with your local laws. Yeah exactly that. My brother is pretty lucky because he didnt have student loans (because he got an internship that paid a shitload of money) so he is planning on tossing a good chunk of it into different mutual funds for the next 40 years the number the calculators spat out after 40 years of returns and adding $x/month was 
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Jan 11, 2017 16:58
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Adiabatic posted:lmao first off mutual funds aren't going to give you an average of 12% annually omfg. Maybe on an odd year in a bull market but long-term you'll see much lower, and fees will dig into that regardless. I see i have a lot of reading to do 
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Jan 11, 2017 17:10
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Adiabatic posted:Gonna keep my head down, do my job, make my resume as attractive as possible, and apply for the silver fern program if things get lovely. ha me and my wife are doing the very same thing she's more and more comfortable with the idea of living somewhere that is actually nice and if bringing her mum along to live with us is what gets me the gently caress out of here then i'll build her a very nice suite in my beautiful home in new zealand
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Jan 11, 2017 17:42
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Yu-Gi-Ho! posted:I'm nowhere near TT's position financially (and won't be for a long time), but I'm genuinely curious how you find a good local advisor and CPA. dave ramsey has a site that lists people in areas that he personally backs (ie they have "the heart of a teacher and will go over everything with you" etc), which is what I was going to try out. Otherwise yeah here in detroit there seems to be a small run down building with NAMEY MCNAMENSTEIN, CPA on just about every corner
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Jan 11, 2017 17:45
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1500quidporsche posted:I don't know the rules in the US but up here any sort of double payment is principal only. my dad just refinanced yesterday to go from 8.25 to 4.25, so if the rates have climbed by 1% since i got my mortgage in September, i can only imagine what it's going to look like in a year also yes any extra payment i pay, at least on my mortgage, goes straight to the principal
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Jan 11, 2017 20:06
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i think it can be undisputed fact that the dumbest people itt are either me or fridgecorn
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Jan 11, 2017 20:16
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FAT32 SHAMER fucked around with this message at 19:58 on Jan 19, 2017 |
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Jan 12, 2017 00:23
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Rhyno posted:Goddamn cat got out. Spent an hour looking for him while the temp was dropping. Came back to put some food out for him and saw his stupid rear end sitting across the road under a tree. i know that feel luckily the only time i'm able to push past the pain of cardio is when i'm tearing rear end down the street going after my dog in my bare feet in 25F weather
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Jan 12, 2017 21:06
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Powershift posted:If they let him drive his corvette around as vice president and president, he probably would have ran and won against trump saving us all from nuclear annihilation. He didn't want to because he had just lost his son and it was all too much
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Jan 13, 2017 05:55
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Rhyno posted:Just found out one of my best friends that I had fallen out with was shot to death on Wednesday. Jesus what even is your life Sorry to hear man
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Jan 13, 2017 15:04
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cops are more trained in shooting their guns than they are trained in deescalating various scenarios shockingly this leads to them being jumpy and shooty
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Jan 13, 2017 16:15
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i continue to look forward to the eventual civil uprising against our brutish oppressors
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Jan 13, 2017 16:41
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Somewhat Heroic posted:I remember when I was living in Melbourne and when the butter was out on the counter it melted into a puddle. Australia is slightly closer to the sun than any other country. for some reason i thought that you lived in Utah if you do then what the heck took you to australia?
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Jan 13, 2017 17:01
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Somewhat Heroic posted:I do, and I did! I was in Australia from August 2004 to August 2006 (Tassie and Melbourne; specifically the CBD/western suburbs in VIC) as an LDS (Mormon) missionary. I am the resident Mormon goon in here. oh that's pretty cool that they didnt send you to somewhere in the midwest neato bandito!
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Jan 13, 2017 18:29
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Somewhat Heroic posted:You are telling me! Australia is such an amazing country. I love the people. You really don't have any say on where you will be sent, you simply just say you will go wherever. I have friends that went to pretty much any place you can imagine; Western/Eastern Europe; Africa, Polynesia, Asia, Central/South America and learning to speak whatever the native language(s) is(are). I would have liked to have learn a language, did a little time within the Tongan community so I picked up a bit of that. i am trying to find a job there and i also applied for the silver fern program in nz now to just convince the wife to move half a world away
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Jan 13, 2017 20:07
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BigPaddy posted:NZ is nice but a bit remote for my tastes. Very dependent on what turned up on the ships that week unless you like lamb i love lamb but yeah that would be my main concern is the cost of living
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Jan 13, 2017 20:59
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CommieGIR posted:That is....Quite the dress. meltie posted:Liverpool? i was going to guess newcastle
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Jan 13, 2017 21:27
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InitialDave posted:It looks like Newcastle to me. That's Newgate Street, with The Gate in the background. maybe it is for a geordie i guess
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Jan 13, 2017 22:17
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Somewhat Heroic posted:That is very easily solved with a 250g bar of Dairy Milk. I was up 50 pounds at one point during my two years in Oz. i considered filing when i gave her a timtam and she didnt like it, i have little hope that a dairy milk would help
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Jan 13, 2017 22:26
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scrubs season six posted:What do you think my chances of getting a 2017 Raptor at MSRP are when it's the only one on a lot within 100 miles? I get to sit in them every day as I play with the infotainment system making sure they work and Jesus fuckton christ I'm pretty sure I would kill a man to own one
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Jan 14, 2017 05:10
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I am allergic to chocolate
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Jan 14, 2017 07:56
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Edit
FAT32 SHAMER fucked around with this message at 08:40 on Jan 15, 2017 |
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Jan 14, 2017 15:09
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Powershift posted:Are you actually 3 dogs in a trench coat? pls don't doxx us
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Jan 14, 2017 15:10
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The NAIAS is real good 
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Jan 14, 2017 17:37
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cakesmith handyman posted:The hi-res pictures of the GT car are the best thing I've seen so far from there, everything else is meh. Yeah every year I go excited and leave slightly disappointed.
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Jan 14, 2017 20:01
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I just ate a giant jersey mike's big kahuna with extra jalapeņo and holy moley was it good
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Jan 14, 2017 22:59
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| # ¿ May 14, 2024 21:40 |
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Cage posted:If I wanted to make you feel bad I would show you the nutritional info for one of those. I'm sure it's insane but as the guy who regularly eats 2 triple cheeseburgers and a large fry at mcdonalds without gaining weight, I'll worry about it in five years
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Jan 14, 2017 23:45
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