Leon Trotsky 2012 posted:

We had somebody quit today because they were moving in a couple of months with their husband.

Why did they quit now instead of in a couple months when they move?

Because they have been here for 9 years and 10 months. You become vested in the pension plan at 10 years (50% of your average salary for your 3 highest earning years of service until death, starting at age 62 unless you do at least 20 years) and if you quit before you become vested you get your pension contributions back with no interest.

She took a payout of about $8,000 instead of the pension and even had the HR Office and Pension Office repeatedly try to tell her not to quit just for this reason.

If she lives to be 80, then she got that 8k in exchange for 270k over 18 years.

blah_blah posted:

They aren't Dunks. You can read Nike Air on the tongue and Dunks don't have an air cushion in them. I'm pretty sure they are these.

Steampunk Hitler posted:

I've purchased stuff with Affirm, I don't know if it's typical but when I purchased using Affirm the price was exactly the same and the APR was 0% if I setup auto debit and paid over 12 months. Assumingely the place I was purchasing from took a chunk out of their profits to pay for Affirm for that, since I doubt Affirm was offering free financing out of the goodness of their hearts.

howdoesishotweb posted:

Personal BWM alert

Buying resale concert tickets, seeing better tickets a few weeks later for less, buy the second pair convincing yourself the first will sell at a slight loss, which of course they never do.

On a side note, anyone in Pittsburgh like the red hot chili peppers

(USER WAS PUT ON PROBATION FOR THIS POST)

OctaviusBeaver posted:

Doctors' offices are very bad with other people's money. Actually almost everything about health care is BWM.

Wife went in with knee pain from running. They say "We really want to give you an MRI, but the insurance companies usually want you to get an x-ray before they authorize that. We'll give you an x-ray even though there is basically no chance it will show us what the problem is" so they send her down the hall to get an x-ray. I asked how much the x-rays would cost and nobody had any idea. I called the insurance company and they said "nope, no need for an x-ray, you can get the MRI". So we cancel the x-ray and they schedule an MRI at a nearby hospital. After an hour on the phone somebody at the hospital is finally able to tell us the MRI will be $800. Call a clinic in the suburbs and they agree to do the same drat thing for $300. So office is basically screwing everyone who they refer for an MRI out of $500 for no reason because they don't check the prices. And nobody in the entire industry will ever tell you the sticker price of anything without a fight.

Hot Dog Day #91 posted:

Yeah it's not wedding horse chat, so I think it's acceptable anyway.

Wait, debating the rules is a derail...I've become what I've always hated. BIRD ME!

No Butt Stuff posted:

I was gonna make a joke about service ferrets, but apparently those are real things?

Doc Hawkins posted:

Almost correct: emotional support/comfort/anxiety animals do not qualify as service animals under the ADA, which means that technically, they can be forbidden from any business, just like pets. A doctor's letter isn't enough. If you can't tell them what tasks the animal is trained to do for you, you don't have a leg to stand on.

In practice, of course, people either aren't aware of this, or rationally choose not to make a stink, so a letter like that can go a long way. And it will always work on planes: for some reason, DoT/FAA rules say that emotional support animals with a letter from a licensed mental health professional are allowed on flights, period. So if you already have a pet and travel, I guess that could be GWM: just take Fido with you on your lap instead of buying a carrier and paying the luggage fees, or for boarding at a kennel.

I've actually seen someone with dog allergies be told that they'd have to take the next flight, and presumably hope that no one tries the same bullshit then too.

lavaca posted:

My state passed a law stating that businesses do not have to make allowances for "emotional support animals", only trained service dogs. It contains a notable exception:


If you are both disabled and BWM, Washington is the state for you. The catch is that most cities prohibit miniature horses on lots smaller than 10,000 square feet so I've never had the pleasure of seeing somebody walk into a restaurant alongside a service horse.

Weatherman posted:

lavaca posted:

Let's get back on/off topic.

Tiny Brontosaurus posted:

Puns are BWL

BEHOLD: MY CAPE posted:

I predict that at some point in the future one or more national economies will crash to a greater or lesser extent, and our understanding of the complex interwoven factors involved will be largely expressed in a swirling mixture of breathless post-hoc rationalization

Leon Trotsky 2012 posted:

Ivanka Trump is one of the few people I could imagine legitimately using and enjoying a $699 juicer that requires WiFi and a $40 a week DRM-locked juice bag subscription service.

Weatherman posted:

He's shilling the stock in that advertisement "request for advice" itself. No one would include that level of detail in a genuine question.

edit: ahahahaha he's spamming it all over Reddit like he's really, really concerned you guys

ma i married a tuna posted:

See also the lack of wagons. A hatchback with even more cargo space? As a family car for people with one or two kids it's unbeatable.

EAT FASTER!!!!!! posted:

So Father's Day is coming up, and we need to get gifts for several men in our lives. I suggested to my wife that we dispense with the "try to guess what they want" bullshit and give cash, because receiving cash they have license to get a thing they wanted but we couldn't select. Everyone in our family thinks they're really good at selecting and giving gifts, and they're not - they're terrible and we accumulate crap like nobody's business.

She says it's insensitive, that people would be offended, etc. etc. etc.

Good with money or bad with money?

Dick Nipples posted:

You needed an American Girl doll harem. Clearly.

ate all the Oreos posted:

Sorry that was a terrible joke

Leon Trotsky 2012 posted:

A story about BWM horse ownership and somehow the horses themselves are the least BWM part.

Yond Cassius posted:

Most of these mortgages would have higher interest rates than new ones. If you change the amortization table so the loan goes out another 10 years or so, the payments go down (because the principal is going down much more slowly) but the owner is stuck paying way more money over time. It's like refinancing in place at a crappy rate.

cowofwar posted:

Presumably the cost to the borrower on the same principal for 10 years at 2% is much less than 40 years at 2%.

Motronic posted:

Mattress equinity.

DACK FAYDEN posted:

I know profit-and-loss-sharing arrangements exist, are there similar things for large purchases like houses or as demi-investment vehicles? I'm not super familiar with Islamic financial tradition beyond having sat through a single seminar that mentioned the existence of workarounds one time a few years back.