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Hoodwinker posted:If the president is the authority on what material is safe/unsafe, then the president should be held to a higher moral/ethical standard than Joe Shlub specifically because they wield that authority. Maybe I'm misunderstanding what you're saying but it sounds completely asinine. I don’t know how the government would work if the president didn’t have security clearance. Would you boot an elected official out of office over it. Do you put someone else in charge of accessing that information and are they elected? 
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Apr 27, 2018 16:43
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Hoodwinker posted:It certainly shows there's a serious problem with electing someone unqualified for the role they're supposed to perform. Yeah that’s definitely a problem with the voting public, but as long as you want to have legitimate democratic elections you can’t really have like the military Chiefs of Staff undemocratically strip an elected official of his powers which are conferred by the people. The right way to do that would be via impeachment since Congress is democratically elected
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Apr 27, 2018 17:15
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Inept posted:On the $64k Jeep someone asked how they managed that since they top out at $45k. Negative equity from yet another vehicle plus: At 4% APR that’s actually GWM. Of course it’s better to save yourself the monthly payment, but a decent investment will beat that interest rate easily
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May 16, 2018 21:02
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Parking on the street is BWM. Owning/Renting a home with a garage is GWM. I hope this clears things up
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Jun 6, 2018 16:55
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CellarDweller posted:It isnt actionable. Unless he is an immediate danger to himself or someone else there really isnt anything you or anyone else can do. All you can do at this point is to try and convince him that he needs mental help. Idk forcing your family to live in a house without A/C or fans or anything in summer because you shut the power off might be actionable
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Jun 7, 2018 18:08
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22 Eargesplitten posted:Also note that he mentions health insurance but budgets absolutely nothing for actual healthcare expenses. I'm sure there are a lot of other categories he's missing too. Tbf he budgeted $400/month for health insurance which is probably absurdly high unless you have a real lovely employer health plan or a spouse with kids, but his budget doesn’t seem to account for that
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Jun 9, 2018 20:33
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That 3800 for Internet and TV was blowing my mind. It’s $316/month which isn’t as bad as I thought it would be but drat how does anyone look at $300 cable bill and think this is fine. I guess people who spend $70k a year in “shopping” would
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Jun 9, 2018 22:05
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Darkrenown posted:Might be a dumb question, but is there a different term for when you carry a positive balance on your credit card? As a non-american that's what I briefly thought you meant and wondered why it was so bad. That’s a secured credit card and people with bad credit have them hth
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Jul 2, 2018 15:45
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moana posted:Growth and liquidity are kind of opposites, yo, also why do you want it liquid if you have no intention of using it soon. By that I assume he doesn’t want fixed assets like real estate
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Jul 2, 2018 21:24
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Transit chat is getting tiresome. What if Jacques needs to fly to Quebec for a wedding and is short on cash and has no credit card The question is what do people in other countries do in stead of payday loans
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Jul 2, 2018 21:54
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Budgie posted:BWM: Spending hundreds on lootboxes to see your mobile game character in a skimpy outfit, and encouraging others to do the same! Yeah these things aren’t even random. They have all the information to see how much money you’ve put in and then drip feed you the things you want to keep the money flowing in. You put in $30? Sorry, no skimpy outfits for you. Another $100? Sure here it is. And the whole time you feel like you’ve won something
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Jul 6, 2018 17:00
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Yeah, as someone currently buying a car I would be much worse off in 5 years if I took 30 grand out of my retirement savings today to get out of paying 2% interest. if you're that guy from above paying 22% interest, then yeah don't do that. I guess if you have good credit privilege its better to finance
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Jul 19, 2018 14:44
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keroppl posted:What could possibly justify those Detroit insurance rates? My liability only covering $90k is $800 a year on a 2009 Camry. It has something to do with Michigan being a no-fault insurance state with no max medical liability for the insurance provider. Apparently you can be at fault for an accident in Michigan and your own insurance provider has to pay for all of your medical bills. And because it costs so much a huge number of drivers are uninsured, so that gets rolled into premiums to cover being hit by an uninsured motorist
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Jul 19, 2018 18:14
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Sock The Great posted:I always thought the lender required you to have the home inspected prior to approving the loan. Who would borrow that kind of money without having the house inspected. My lender only required inspections of termites and radon. Anything beyond that was optional.
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Jul 20, 2018 15:03
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n8r posted:I've been following this thread for ages - this has HAD to come up right? oh my god i live near enough to Dixon I heard about this on the news years ago. I'm gonna have to watch this.
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Aug 1, 2018 15:13
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Phones are sold by carriers in 24 month installment plans with no interest (fortunately) from what I’ve seen. But they allow you to upgrade after 12 months, so you will have paid for half of your old phone and you don’t get any of the money back and your installment plan starts
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Aug 9, 2018 22:57
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Motronic posted:Swappa.com I've sold a few and bought a few. It's surprisingly well thought out and mostly painless. Yeah I mean that’s generally what happens when you buy new unused electronics.
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Aug 9, 2018 23:16
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BEHOLD: MY CAPE posted:I don't know what your precise definition of churning is but taking advantage of handsome credit card sign-up bonuses and optimizing point accumulation and redemption is definitely not BWM. It’s BWM imo if it leads you to buying poo poo you wouldn’t otherwise. Whatever it does to your credit score is meaningless if you’re not in the market for a new mortgage
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Sep 18, 2018 19:32
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I thought the $4000 in speeding tickets was gonna be the good part but hoo boy
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Sep 19, 2018 18:51
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What’s the interest rate on that. He says he has 17k remaining in principle but 8500 in interest It sounds like the price of the car was around 25,000 but he’s got like 15% apr or something ridiculous
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Sep 20, 2018 16:18
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Leon Trotsky 2012 posted:Some lady in my office just had a baby two months ago and I understand that people feel insecure right after that. I hadn't heard of this until now, but drat are these rubes from california or something? Just go outside during a midwest winter, thats GWM and GWL also note: midwesterners are known for being skinny as gently caress because of the winters.
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Sep 26, 2018 15:06
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Leon Trotsky 2012 posted:People from the Midwest and Southeast United States are statistically the fattest people in the U.S.  Anyone who thinks blowing cool but not freezing air at your gut is gonna make you lose weight has never had to stand outside when it’s below zero with howling winds
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Sep 26, 2018 15:15
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What you do is buy a house and a car first and then your credit after that literally doesn’t matter at all. You can stiff anyone you want after that. What are you gonna do buy another house?
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Oct 11, 2018 15:58
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GoGoGadgetChris posted:Solar tiles are almost never inherently feasible, unless you live in California which is a sweet spot of high electricity prices and also high sun exposure. Huh another Musk product that’s completely unusable outside of california. I’m noticing a trend here
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Oct 12, 2018 18:05
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Nocheez posted:It really wouldn't be that exciting. She's more of an idea person, ya know? restaurants... dont work like that 
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Oct 12, 2018 23:13
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Droo posted:My favorite poker prop bet that I've heard of What the hell, I thought this would have happened 100 year ago, but this dude was born in 1970 Des Moines isn’t that exciting but Christ you should be able to find some way to entertain yourself for a few weeks in Des Moines in this day and age
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Nov 30, 2018 21:40
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UCS Hellmaker posted:Was in Texas and an arcade we went to had a great idea, 5 bucks to get in and all the games were free. You paid at min 5 bucks per drink and that's all they served. They were pretty busy the entire time we were there and overhead was tiny since it was just three people and no food. Seems like one way to get a business going steadily. I can’t imagine arcade/pinball machines being cheap though, especially for repairs. They’re good for drawing in customers though, I’ll give them that.
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Dec 3, 2018 20:02
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Enchanted Hat posted:I always cringe when I read stories of accountants being BWM. Come on, guys, you know that it's bad for your expenses to exceed your income. What an insane, hosed up country the UK is.
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Jan 2, 2019 16:54
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