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BloodBag posted:My Dad has a saying for that: expenses rise to meet income. I think about that one a lot and really, really try to avoid it as much as possible. I think the key is being disciplined enough to pay something (savings, retirement, etc) first and NOT TOUCH IT.
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May 5, 2017 13:49
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It creeps up, even if it takes years. It's like how you can add an extra pound every year and not think much of it, but in 10 years you're 10 pounds heavier. I have to try to avoid small things like $10/month subscriptions.
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May 5, 2017 13:56
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KYOON GRIFFEY JR posted:I think about that one a lot and really, really try to avoid it as much as possible. I think the key is being disciplined enough to pay something (savings, retirement, etc) first and NOT TOUCH IT.
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May 5, 2017 14:19
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KYOON GRIFFEY JR posted:I think about that one a lot and really, really try to avoid it as much as possible. I think the key is being disciplined enough to pay something (savings, retirement, etc) first and NOT TOUCH IT. It's not too hard, set savings up to get direct deposited to and make it a separate account at a separate bank so you literally don't even see it at all so you can't get "wow I have $xxxx I could totally buy a horse!" I mean I guess it's hard to actually get people to do that...
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May 5, 2017 14:31
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ate all the Oreos posted:It's not too hard, set savings up to get direct deposited to and make it a separate account at a separate bank so you literally don't even see it at all so you can't get "wow I have $xxxx I could totally buy a horse!" Well I mean step one is have free cash and be above subsistence level poverty so it's right out for a good portion of people today even in the developed world.
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May 5, 2017 14:41
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I like manually moving my savings between accounts each month because it makes me feel like I'm doing a good thing. 
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May 5, 2017 14:50
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KYOON GRIFFEY JR posted:Well I mean step one is have free cash and be above subsistence level poverty so it's right out for a good portion of people today even in the developed world.
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May 5, 2017 15:17
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monster on a stick posted:Worse would be Puerto Rico which the NY Times described as a Ponzi scheme: I spoke with a lot of clients who scoffed at me when I suggested that they get in the habit of setting aside a small, fixed amount of each paycheque into their retirement savings because "I'll get CPP and OAS" or the incredible, "I've got real estate.  " And they say this in the face of an increasingly aging population, high inflation that's far outpacing all combined sources of average income, and an already pitiful CPP/OAS payout that's barely above poverty wage.There is a public sector retirement time bomb happening and nobody wants to acknowledge it.
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May 5, 2017 15:25
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melon cat posted:This is exactly why people need to smarten up and save for retirement under the assumption that their publicly-funded pension won't exist by the time they retire. Because this can happen pretty much anywhere.
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May 5, 2017 15:29
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You're not actively trying to vote in an apocalypse, however.
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May 5, 2017 15:32
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Volmarias posted:You're not actively trying to vote in an apocalypse, however. This is the exact attitude that led to the mismanagement of the bullet farm.
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May 5, 2017 15:34
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Leon Trotsky 2012 posted:This is the exact attitude that led to the mismanagement of the bullet farm. I'm a tearful-eyed liberal but I've watched Fury Road enough times to take its lessons to heart My stockpile: welding supplies grinding disks skulls friends
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May 5, 2017 16:05
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If the federal or state government completely crashes and cannot honor my pension, then honestly - some really lovely stuff has happened. If my pension isn't as good as it should be, then savings for that will hopefully offset. I was at a car dealership with a friend this weekend. He was buying a new car. The first dealership did a full on hard sale: bringing people over, not letting us leave, etc. The sales man then jumped into (a) "oh I'm a bad seller and Im going to get in trouble" ; (b) saying "hey you're a smart guy" when he can't possibly know that; and(c) started discussing how you actually build equity in your car and it's like a retirement fund. Friend bailed and still bought a new car, but at least didn't fall for the hard sale. Hearing "car equity" reminded me of "horse equuity."
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May 5, 2017 16:15
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There will still be bad with money* people in the apocalyptic future, right? I'm going to stockpile: wedding supplies horseshoes BMW parts mystery box paraphernalia * or bottlecaps or whatever
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May 5, 2017 16:15
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how the hell can anyone believe in Car Equity?
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May 5, 2017 16:17
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Hoodwinker posted:It's amazing how much room there can still be left to purchase goods and services if you just loving budget for savings as a line item like everything else. But no, says the American consumer, I don't want to live like a miser because that is the automatic alternative to instant gratification. YNAB line item - dumb stuff. Literally, I have an line saving for whatever dumb item I'm going to buy. People with thousands of dollars left over after necessities every month would also be surprised what a person can buy when they buy one high quality item designed to last decades as opposed to junk.
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May 5, 2017 16:24
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KYOON GRIFFEY JR posted:how the hell can anyone believe in Car Equity? I mean you can have negative car equity, right?
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May 5, 2017 16:27
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KYOON GRIFFEY JR posted:how the hell can anyone believe in Car Equity? Uncle Enzo posted:I'm a tearful-eyed liberal but I've watched Fury Road enough times to take its lessons to heart
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May 5, 2017 16:31
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I should find it and scan it, but the local newspaper where my parents live had an interview with the owner of several car dealerships in the area who was running for the state legislature. He answered one of the questions with the response, "I've been in business for decades and one thing I've learned is that the most efficient answer isn't always the most obvious one. We need to make smart investments that hold value into the future. I always advise customers coming onto my lots to get a car that will hold its value. Don't settle for a base model. Packages that include DVD Players and rear-view cameras might seem like luxuries, but they will more than pay for themselves during resale in a few years when those features become standard and people will expect them. I tell people to think of the whole cost of the car and what it can do to work for you, even after you sell it. We need to get the state running with that kind of foresight and not just looking at the next budget or election cycle." (This is a rough paraphrase, but about 95% word for word. Also, he won.) Leon Trotsky 2012 fucked around with this message at 16:41 on May 5, 2017 |
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May 5, 2017 16:34
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BWM: most of the country electing officials who are not like that guy.
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May 5, 2017 16:36
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Hoodwinker posted:BWM: most of the country electing officials who are not like that guy. If you took his advice and allowed a car dealer to up-sell you like that, then you would never make back your "investment" in car trim or a luxury model. Nor is it wise to buy a new car with the plan of reselling it in a couple years to get your money back and buy a new one.
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May 5, 2017 16:50
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I've been lead to believe if you're going to trade in every few years you should just lease instead. I don't know if that's true or not though.
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May 5, 2017 16:54
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Leon Trotsky 2012 posted:If you took his advice and allowed a car dealer to up-sell you like that, then you would never make back your "investment" in car trim or a luxury model.
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May 5, 2017 17:01
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Being able to sell ideas using sleazy car salesmen tactics and massive oversimplification is something republicans are really good at and while I'm not sure what this guy's political party is or anything it's nice to see someone using it to get things done instead of to convince people killing them is good for freedom or whatever.
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May 5, 2017 17:01
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by the way he is completely fuckin wrong if you look at transaction prices, the options packages depreciate faster than the car gently caress that guy, and also all car dealers, with a barbed wire wrapped tie rod
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May 5, 2017 17:03
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Grumpwagon posted:Because then they'd get their furniture in a month or two instead of now. It's my ottoman and I want it now! That commercial works for everything.
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May 5, 2017 17:02
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Hoodwinker posted:I guess the optimist in me looked past the everyman car buying analogy and at the part where he says, "We need to get the state running with that kind of foresight and not just looking at the next budget or election cycle." I realize it's not verbatim but that's an incredibly valuable outlook. Yeah it's terrible car advice but it's the kind of salesman car advice that 90% of the population thinks is really good car advice coming from a helpful salesman that just sounds like common sense and I guess i'm okay with horrible manipulative mind control tactics being used for good? Man the trump presidency has made me reevaluate a lot of things...
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May 5, 2017 17:04
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ate all the Oreos posted:Being able to sell ideas using sleazy car salesmen tactics and massive oversimplification is something republicans are really good at and while I'm not sure what this guy's political party is or anything it's nice to see someone using it to get things done instead of to convince people killing them is good for freedom or whatever. He was a Republican and his campaign platform was: 1) Eliminating "Smart Growth" rules to allow the building of a mall and allow shopping centers to build bigger parking lots 2) Changing the state tax code to give bonuses based on age, so seniors could get larger caps on credits and college students who live with their parents don't get credits that they don't need. 3) To fight a court order by the Housing and Urban Development Department halting a proposal to tear down an affordable housing unit and sell it to Marriott. 4) Add more lanes to our back-roads and downtown main streets.
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May 5, 2017 17:09
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Cold on a Cob posted:I've been lead to believe if you're going to trade in every few years you should just lease instead. I don't know if that's true or not though. Or buy a Toyota/Honda which keep their value to an absurd extent, judging from used car prices.
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May 5, 2017 17:19
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ate all the Oreos posted:Yeah it's terrible car advice but it's the kind of salesman car advice that 90% of the population thinks is really good car advice coming from a helpful salesman that just sounds like common sense and I guess i'm okay with horrible manipulative mind control tactics being used for good? Man the trump presidency has made me reevaluate a lot of things... Leon Trotsky 2012 posted:He was a Republican and his campaign platform was:
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May 5, 2017 17:29
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Not to dive into politics but if you didn't read his "sage financial advice" as a literal snake dressed up in a human suit hissing at you to come closer so that it could eat you, you need to have a little more critical of an eye toward statements made by your politicians. I mean Leon Trotsky 2012 posted:The snake hissed, "We need to make sssmart invessstmentsss that hold value into the future. I always advissse cussstomerss coming onto my lotssssss to get a car that will hold its value. Don't ssssettle for a base model. Packagesss that include DVD Playerss and rear-view camerasss might seem like luxuriessss, but they will more than pay for themselves during ressssale in a few years when those featuresss become ssstandard and people will expect them. I tell people to think of the whole cost of the car and what it can do to work for you, even after you ssssell it. We need to get the sssstate running with that kind of foressssight and not just looking at the next budget or election cccycle." the snake is campaigning on car equity! gwm: using your political campaign to bolster your private business holdings EAT FASTER!!!!!! fucked around with this message at 17:35 on May 5, 2017 |
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May 5, 2017 17:29
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EAT FASTER!!!!!! posted:Not to dive into politics but if you didn't read his "sage financial advice" as a literal snake dressed up in a human suit hissing at you to come closer so that it could eat you, you need to have a little more critical of an eye toward statements made by your politicians Yeah that's obvious, my point was more that that stuff works on a lot of people and since convincing people with reality has clearly failed us we might as well try it  Leon Trotsky 2012 posted:He was a Republican and his campaign platform was: Oh well 
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May 5, 2017 17:32
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Leon Trotsky 2012 posted:1) allow shopping centers to build bigger parking lots Wait these sound great.
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May 5, 2017 17:36
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A car salesman politician wants to change laws to add more parking spaces for cars, give people who are more likely to buy cars more money back from taxes, and add more lanes for cars even though studies have shown that adding more lanes does not decrease traffic. Can't figure out how the 3rd one ties into his principal business but GWM getting elected and then using the government to improve your business model. potatoducks posted:Wait these sound great. 1) https://www.washingtonpost.com/news/in-theory/wp/2016/03/03/how-parking-requirements-hurt-the-poor/?utm_term=.9ada5df47c7f 4) https://www.wired.com/2014/06/wuwt-traffic-induced-demand/
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May 5, 2017 17:43
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potatoducks posted:Wait these sound great. It may sound convenient but it's hellishly bad urban planning that makes commute times and housing prices skyrocket, makes it harder to live healthy lives, and hurts the environment. Car-centric development is the ultimate in short-term thinking.
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May 5, 2017 17:47
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Wellp, it's me. I'm the BWP (bad with politicians).
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May 5, 2017 17:54
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https://www.wired.com/2016/04/widening-highways-never-fixes-traffic-darnit-texas/
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May 5, 2017 18:03
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potatoducks posted:Wait these sound great. Only if you're rooted in American suburbia. Lots of needless overhead from designing cities to accommodate cars. Everything gets further apart and more people need cars and so on and so forth. BWM
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May 5, 2017 18:08
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Uterine Lineup posted:1) https://www.washingtonpost.com/news/in-theory/wp/2016/03/03/how-parking-requirements-hurt-the-poor/?utm_term=.9ada5df47c7f Yeah #1 just too selfish to care much about compared to increased ease of parking. #4 maybe but at some point there will be enough lanes to fit all the people in the world and life will be great. Maybe when flying cars come and we have sky lanes. Also, I think the title of the article is misleading. I think the study found that traffic actually stayed the same, not increased. Nail Rat posted:Only if you're rooted in American suburbia. Guilty for sure. But I think more than half of Americans live in suburbs so 
potatoducks fucked around with this message at 18:14 on May 5, 2017 |
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May 5, 2017 18:12
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Also land use... A 160 acre greenfield subdivision can have about as many units as a new half block, 6-story apartment building, with a lot more new infrastructure needed for the greenfield development. Plus for a landlocked municipality, once you stop being able to annex new land, increasing the density of your existing land use is the best way to increase your tax base to pay for the infrastructure that you never budgeted to support long term. On the topic of shopping center parking, a lot of overparked shopping centers by me are putting in retail pads for more buildings as the malls lose thier drawing power. Some wih huge parking lots have actually stuck new apartment buildings in there too because they have so much parking.
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May 5, 2017 18:19
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