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Re: car financing: secure your loan through a credit union before you start shopping. They will stop you from buying anything egregiously stupid, because they'll just refuse to finance it (the ones I've dealt with, anyway). They also usually have hard maximums on their APRs, too.
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Aug 10, 2018 00:59
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CannonFodder posted:And she's denying anything is wrong as they turn to mush. That's hoarding behavior and she needs help. Yeah, this is more why I didn't comment. She's pretty clearly mentally ill, and that's less funny and more sad.
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Aug 10, 2018 01:23
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The reason people are willing to pay 20% interest is because either 1) they don't know any better, or 2) they can't do any better, and they need a loving car, because  . It's not like we go out of our way in this country to make people financially literate. We have whole industries that depend on that financial illiteracy.
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Aug 10, 2018 18:39
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IANAL, but I think you can put whatever the hell you want in a prenup, but generally speaking, it has nothing to do with the division of marital assets; a prenup is meant to protect your personal assets from before you get married. I can't imagine a lawyer writing a prenup that says "if you cheat, you get nothing," because it would be largely unenforceable; this goes double if it was only written four years ago.
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Aug 14, 2018 01:47
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The problem with choosing your major is that you need to choose a major that's going to be profitable ten years from now, which may or may not be the same as majors that are profitable now. I don't know if we're looking at a STEM glut, but there's no real way to know right now. Just ask most of my classmates who went to law school. When people were saying "just get any college degree, and you'll make a bunch more money," that was largely actually true; it just wasn't by the time a lot of those people got out of school (or shortly thereafter).
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Aug 14, 2018 20:27
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FAUXTON posted:It didn't help that Alamo Drafthouse recently started notifying its customers of a moviepass-like plan in the works.
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Aug 15, 2018 00:46
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I have ReachNow and pay less to drive BMWs than most people pay for insurance on one.
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Aug 15, 2018 20:49
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Hyrax Attack! posted:Coworker may be BWM. They are going from office to office asking "Do you like Hawaii?" In response to "Yes?...", they try to sell their timeshare on Kona. Both bad with money, and bad with coworkers. I'd loving hate someone trying to sell me their timeshare while I'm a de facto captive audience.
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Aug 16, 2018 23:51
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I feel like a 65-year-old that wants to adopt a one-year-old is not mentally competent to be adopting a one-year-old.
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Aug 17, 2018 00:42
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Guinness posted:https://www.seattletimes.com/seattle-news/environment/homeowners-to-pay-settle-seattle-lawsuit-over-cutting-public-trees/
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Aug 17, 2018 21:25
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Lead out in cuffs posted:This is pretty infuriating, but I imagine that a federal district court judge is kinda hard to prosecute, both for his knowledge of the justice system, and for his connections. I was actually talking about the other case, that happened just a couple of years ago, where it was just a bunch of rich, white homeowners cutting down trees on public land. But the judge one is definitely infuriating, too.
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Aug 17, 2018 23:22
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Ixian posted:The specific problem with the dumb uncle is he made the classic mistake of retiring at 62, because you can start to receive (reduced) SS benefits then, even though the system is clearly designed for those 65 and older. Full SS starts kicking in at 65 (and gets better if you wait to 67) and Medicare flat out starts at 65 period. If you "retire" before that and have pre-existing conditions, yeah, you are gonna get hosed until 65. My mom looked at retiring a year or so early, and decided not to because of the Medicare, even though they could've afforded it (would've been ~$2500 a month). If you think healthcare in this country for old people is bad, you should see it for young people. And all of the old people want to make sure young people don't get access to it. The loving Chargemaster--the document that dictates what a given hospital charges for a given service--is a trade loving secret. Keeping all of your (ridiculously complicated) inflated pricing secret from your customers who will literally die without your services: definitely GWM.
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Aug 20, 2018 21:26
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Guinness posted:And you just know the average American corporation wouldn't pass on those savings to its employees when the switch gets flipped. I'm actually amazed that American businesses tend to be so anti-UHC, considering they are the ones that really stand to benefit the most by no longer getting hosed by rising insurance premiums, plus they could get rid of such a huge administrative overhead in managing something that isn't their line of business. The health insurance handcuffs may be even more valuable to them, but it seems like even that will have to give at some point on the current trajectory. Those handcuffs are worth a loving ton. KingSlime posted:Who is doing these polls? What type of person is being polled? I am very highly skeptical of that claim
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Aug 20, 2018 22:57
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SiGmA_X posted:My company now only offers HSA's, but they offered a $300/1,500 deductible/OPM PPO until this year. The math said that for all people, the HDHP was cheaper. Most people still stuck with the PPO... People are bad at math. Yeah, I don't understand why people complain about American health care. That all just makes perfect, intuitive sense.
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Aug 21, 2018 05:11
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Crimpanzee posted:Fair point s but this is definitely not a cash flow/inability to pay just a automatic transfer issue. Anyone who needed the money that day received a paper check. Are you interested in a great investment opportunity? It's a piece of infrastructure that allows people and vehicles to cross water. It's a great deal!
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Aug 21, 2018 18:09
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canyoneer posted:
I mean... This seems like I've of those situations where the only thing more expensive than divorce is staying married.
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Aug 23, 2018 04:36
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George H.W. oval office posted:I just lost my longest running card that had been opened when I was 18 because I didn’t use it for a year. It hurts a bit yea. Yeah, I started using mine for laundry to insure this doesn't happen. Do not want to lose an eighteen-year-old credit line from my report.
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Aug 24, 2018 22:33
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Not a Children posted:Yeah, there's no excuse. Either he went to an unaccredited school (shouldn't matter, honestly) or he's put close to no effort into finding those jobs. Everyone I know in the industry is being harassed by headhunters to fill entry-level positions, no matter their actual experience. If I'm a betting man, they're in Eastern Washington, and refuse to move, so there aren't any loving jobs, because nobody loving lives there.
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Sep 7, 2018 19:49
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Don't the family members owe gift taxes for the difference between market value and the price they paid, too?
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Sep 10, 2018 18:12
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CmdrRiker posted:My criticism was more about the psychological implications of being in major debt but still feeling entitled to move beyond a "starter home." I might be reading too much into what "starter home" means to them, but it definitely feels as though he thinks he will be able to afford a "better home" in the near future.
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Sep 10, 2018 20:38
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Barry posted:Maybe we can just take what will be an undoubtedly very reasoned and calm discussion about what is or isn't sexual harassment to D&D or whatever and go back to laughing about hilarious BWM. I present: Honestly, they're pulling in so much money in Social Security and his mom's 401k that it's not like they're in any real danger of financial insolvency. Even if the housing market collapses, all the houses will be paid off, and they'll still have that income. Certainly not great with money, but meh. If they want the vacation home anyway, whatever. Ham Equity fucked around with this message at 00:37 on Sep 12, 2018 |
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Sep 12, 2018 00:35
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I feel like the people for whom split finances work, it doesn't really matter how they handle they're finances, because they're largely on the same page as far as how much should be spent on what, and have very good, open lines of communications about financial matters. I also feel like lawyer married to teacher just really wants her to be the one to dump him.
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Sep 17, 2018 00:38
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So wait... was it her life savings, or was it: "She said she used her freezer as a temporary, would-be bank for her small business deposits and savings to limit the number of trips she needed to take to her real bank?" It sounds a lot like she's trying to bilk $35,000 out of Costco.
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Sep 21, 2018 03:27
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Vox Nihili posted:This is maybe 30% BWM and 70% BWL but it's crazy enough that I'm posting it anyway: Like... I feel like if someone selling me a house told me there definitely weren't any bats, I'd be 95% sure the place was infested with bats.
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Sep 21, 2018 03:30
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Hyrax Attack! posted:There’s something insane like that regarding highest average years pay in Washington State, so sometimes employees nearing retirement start getting big raises to boost their pensions. They went too far with three fire managers and the state stepped in. In fairness, this is the same city that decided to indemnify their three cops who shot an unarmed black father in the gut while he was begging them not hurt his child. So, you know, sort of BWM all around. It's a shitholes' shithole.
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Sep 21, 2018 19:48
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The way people are talking about getting into trades now reminds me of how people were talking about being a lawyer back when I was in high school. There's also the looming specter of automation. I feel like the thing to do is not to get the skills that are in-demand now, but to get the skills that are going to be in-demand 5-10 years from now.
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Sep 25, 2018 00:08
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Midjack posted:Mortician my dudes. People might stop buying cars or refrigerators but they won't stop dying. Tough call.
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Sep 25, 2018 01:34
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Something Offal posted:Also Chris' ACH transfers were loving ginormous. A $45k ACH works with no questions asked, no forms filled out? I work at a relatively small FI, and yeah, we process those frequently. Someone put in an account number for an amount once, and that thankfully rejected (it was in the billions of dollars). Couldn't tell you where the limit falls, other than between seven and ten figures.
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Sep 27, 2018 19:16
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Not to mention that unlike union blue-collar work, food service comes without medical, holidays, sick/vacation time, etc. The guy who I studied for my A+ and Network+ with makes probably 60% more than me as a bartender, but hella wants out for just that reason (he's in his mid-30s, like I am, and it's starting to wear on him).
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Sep 28, 2018 10:35
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Leon Trotsky 2012 posted:Someone I know took an unpaid internship at a medical transportation company and under the "Compensation" section of the listing it had "PAID: Exposure and networking experience with the #1 provider of medical transportation and travel training in [state]."
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Sep 28, 2018 17:03
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Fhqwhgads posted:Wouldn't the college credits technically then have a dollar value so it's not exactly "unpaid"? Is that how they get around that?
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Sep 28, 2018 20:02
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StrangersInTheNight posted:Ponder to yourself. Somewhere else. How the gently caress do you hurt yourself multiple times doing horse shows with a horse you can't ride?
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Sep 30, 2018 04:51
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GoGoGadgetChris posted:"I let him have complete control over our finances because I feel I am an “overbearing wife” and thought allowing him to have the responsibility would compensate for that. " It sounds like gaslighting. Like, really, really sounds like gaslighting. Dude tells his wife she's so overbearing, gets her to give him control of the finances, then uses that control to make it so she can't leave him. I mean, we're only getting one side of this, but it sounds pretty textbook.
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Oct 2, 2018 02:42
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CannonFodder posted:Mini horses can still get bitey or kicky or "knock someone over"y. I know this is old, but someone got hurt directly by an animal badly enough that they had medical bills, and rather than sell the animal which presumably has some monetary value to it, decided to keep doing shows with it? And it happened again and they again decided to keep doing shows with it? At least when you get hurt by a boat, it's not because the boat just decided it was having an "I want to hurt people" day.
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Oct 2, 2018 02:45
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MisterOblivious posted:If you read the thread he left her twice for other women in the past and probably convinced her it was her fault because she was being "overbearing." And the bank statements are sent to his mother's house.
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Oct 2, 2018 03:45
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The bad with money here isn't shredding the money, or not putting it into the bank; the bad with money here is going into debt for loving football tickets.
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Oct 6, 2018 00:14
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RoastBeef posted:How the gently caress did he spend 46e3 on a Subaru Forrester? 46e3 AUD. About $33,000 American.
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Oct 6, 2018 01:35
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Vox Nihili posted:Oh god the comments: As a lawyer coworker of mine was fond of saying: "frequently, the only thing more expensive than getting an attorney is not getting an attorney."
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Oct 11, 2018 03:42
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Fitzy Fitz posted:Predatory payday loan places are evil but goddamn dude why didn't you just pick up a second job for a while? I work in IT, and I don't even know how I would go about getting a second job. Most places won't hire you if you say "I can't work from 8:30am-7:00pm, M-F. I have on-call hours one week in every six where I have to be available for my other job at all times." Where should he have looked, exactly?
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Oct 12, 2018 20:14
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Fitzy Fitz posted:Uber I'm not working 60-hour weeks; I get a lunch, and I'm just assuming that I'll need an hour to get from my current job to my second job or from my second job to my current job; the physical laws of the universe are a thing. I don't have a car. Retail and fast food basically require your schedule to be close to infinitely flexible in order to hire you even for part-time work; they will absolutely not give you a regular schedule, let alone schedule around your requests. What work-at-home tech support can you do when you can't work daylight hours during the week? Like, name the company that's hiring for that.
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Oct 13, 2018 00:10
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