Bad With Money 2018: When I die, bury me in the blockchain.

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad With Money 2018: When I die, bury me in the blockchain.

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Fitzy Fitz: May 14, 2005

I always got a cash payout from the register at the end of the night equal to my CC tips. I'm pretty sure my boss was dodging a lot of taxes though.

# ¿ Aug 23, 2018 16:39

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# ¿ May 14, 2024 19:03

Fitzy Fitz: May 14, 2005

I�m 20, make around $24k a year. What can I do about this car loan?

quote:

Hi y�all. First time posting here, didn�t even know this was a a thing until I googled it. So I�m 20, work a full time job & do classes online towards a criminology degree. My 2006 Nissan Sentra got totaled while it was parked on the side of parents house back in February of this year & I had no way to get to my job so my dumbass thought since I had a full time job I could afford a new car. That is simply not the case anymore.

I make $13 an hour while working at a law firm, I make 40 hours a week, pay is biweekly so around $850ish per paycheck. My expenses are not much, just my phone ($75 a month, $125 for car insurance, & I help my parents out with some bills in the house). My car payment is at $429.89 with 7.5% with a co signer for 84 months. I put $3500 Down. I�ve had it since April 2018 till now & I recently just made another payment on the 20th. Thankfully the job has been stable & ive made payments weeks early since I want my credit to improve & don�t want to ruin the co-signers credit either.

Since I�m only 20, I haven�t had credit at all until now, it�s around the 650 range which I still consider kind of bad. The rest of my money goes into an ally savings account which I just made. I usually have around $300-$400 per check left over after bills & all.

I obviously don�t want to pay the car for 7 years, it�s a 2018 Jeep Cherokee, what can I do to get out of this? Can I trade it for something cheaper & better on gas or just pay it off in 7 years or what not.

# ¿ Aug 23, 2018 17:32

Fitzy Fitz: May 14, 2005

so what's with the Religion trend there

# ¿ Aug 23, 2018 18:54

Fitzy Fitz: May 14, 2005

I have two CCs that I don't regularly use, so I have a small recurring bill on each (Netflix and Hulu) that's also set to autopay. Never have to worry about them.

# ¿ Aug 24, 2018 23:33

Fitzy Fitz: May 14, 2005

Hoodwinker posted:

big_ass_horse_picture.jpg

# ¿ Aug 27, 2018 21:06

Fitzy Fitz: May 14, 2005

I'm gonna have a hard time passing judgment on that without knowing what he gets to do outdoors. It's hard to put a dollar amount on some of those jobs.

# ¿ Aug 28, 2018 15:01

Fitzy Fitz: May 14, 2005

Hello, I need a car that will last me, oh I dunno, 60 years?

# ¿ Oct 11, 2018 16:01

Fitzy Fitz: May 14, 2005

Predatory payday loan places are evil but goddamn dude why didn't you just pick up a second job for a while?

# ¿ Oct 12, 2018 18:25

Fitzy Fitz: May 14, 2005

that's good with life tho

# ¿ Oct 12, 2018 19:14

Fitzy Fitz: May 14, 2005

operating within a system does not mean you agree with the system

# ¿ Oct 12, 2018 19:39

Fitzy Fitz: May 14, 2005

Thanatosian posted:

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?

Uber
Work-at-home tech support
Graveyard shift at Walmart

Disclaimer: no one should have to do that. Your job already sounds awful though if you're working 60 hours a week.

# ¿ Oct 12, 2018 20:42

Fitzy Fitz: May 14, 2005

Thanatosian posted:

Spoken like someone who's never worked retail or service industry.

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.

OK

I worked retail and service jobs for 10 years while I balanced school and second jobs. During that time many of my coworkers had second jobs like bartender, night janitor, and evening tech support.

If you don't believe me that's fine, but tons of people are out there doing it to make ends meet.

e: I'll add again that I'm not saying it's easy or good. It's just better than the payday loan plan that guy ended up stuck in.

Fitzy Fitz fucked around with this message at 15:51 on Oct 14, 2018

# ¿ Oct 14, 2018 15:47

Fitzy Fitz: May 14, 2005

Suspicious Lump posted:

I love hilarious BWM:

In the comments:

BWM: Not putting your dogs poop in your bin.
BWL: Making an enemy of your neighbor for no reason.

When my neighbors did something similar I just took the poop and threw it on their doorstep. I guess taking them to court would work too.

# ¿ Oct 15, 2018 14:46

Fitzy Fitz: May 14, 2005

quote:

I don't feel like I'm living over my means, I just need some better help budgeting.

# ¿ Oct 17, 2018 20:10

Fitzy Fitz: May 14, 2005

"a few" master's degrees?

# ¿ Oct 19, 2018 16:55

Fitzy Fitz: May 14, 2005

Apparently filing for bankruptcy causes him less anxiety than getting a roommate. That is some crazy poo poo.

# ¿ Nov 12, 2018 16:30

Fitzy Fitz: May 14, 2005

Hoodwinker posted:

"I make enough money but make bad decisions. Should I make another bad decision?"
119K in student debt, 90K in personal debt - cash out 401k to pay?

"It's not a budgeting problem" they say with 90k in personal debt.

"post your budget"
"post your budget"
"post your budget"

OP never posts budget

# ¿ Nov 13, 2018 17:01

Fitzy Fitz: May 14, 2005

Motronic posted:

Why am I being denied a finance?
https://www.reddit.com/r/personalfinance/comments/9wqd5f/why_am_i_being_denied_a_finance/

in a similar vein...

I�m broke now, won�t be in 2 months. How stupid is it to take out another credit card for holiday expenses?
https://old.reddit.com/r/personalfinance/comments/9wptto/im_broke_now_wont_be_in_2_months_how_stupid_is_it/

quote:

First of all, I posted this elsewhere and I was overwhelmed with comments saying things like �you don�t need to spend money on gifts, just make something from the heart your family will appreciate it more etc etc� I am looking for an answer to a specific question, despite how much you may want me to make a macaroni frame for my mom.

So right now I�m a broke college kid waiting tables at a lovely restaurant barely making enough to pay my rent/bills. However, I was offered a job at the company I interned for over the summer, which I have accepted. The job is set in stone and I start in January after I graduate in December.

I will be making a very decent salary for an entry level IT position, but as of now I have virtually no money for gifts for my family, my serious girlfriend, her family, nor my friends. I�m wondering how stupid it would be to take out a credit card and make minimum payments until my salary starts rolling in next year at which point I would start paying it off?

Full disclosure, I have a student credit card now which I have been making minimum payments on the last few months. Come January, I�ll be paying off both cards.

Edit: I also want to be clear that I�m only talking about a couple hundred dollars. Not sure if that makes a difference but I wouldn�t be putting myself more than 300 or so dollars in the hole

How stupid would it be to count my chickens before they hatch?

# ¿ Nov 13, 2018 17:26

Fitzy Fitz: May 14, 2005

if society collapses you're going to need healthy social relationships more than material goods. independence is a modern luxury but for some reason it carries over into every prepper fantasy.

# ¿ Nov 15, 2018 16:02

Fitzy Fitz: May 14, 2005

I know this is pretentious, but goddammit do people think the point of life is just to have all the electronics and then you die?

# ¿ Nov 20, 2018 21:40

Fitzy Fitz: May 14, 2005

Alan Smithee posted:

speaking of

https://www.reddit.com/r/legaladvice/comments/a18osc/college_overpaid_me_student_loans_need_legal/

I think that might be the most downvotes I've ever seen.

# ¿ Nov 29, 2018 17:27

Fitzy Fitz: May 14, 2005

StormDrain posted:

I’m not saying you’re wrong but that seems like a very poor decision to make as an influencer if your income is based on people trusting you to review items for quality. If you can’t tell Payless shoes aren’t worth hundreds of dollars you either don’t know what the value of hundreds of dollars is to me or what craftsmanship is. Unfollow!

These influencers seem to be.....Bad With Money.

I remember reading this story a few months ago: https://www.theatlantic.com/technology/archive/2018/06/instagram-influencers-are-driving-luxury-hotels-crazy/562679/

The "career" seems to attract a lot of morons who think they can just be hot and popular and live the high life for little effort.

# ¿ Nov 29, 2018 17:59

Fitzy Fitz: May 14, 2005

BEHOLD: MY CAPE posted:

Being hot and popular in exchange for consideration in some form from others, particularly from males to females, is deeply baked into human evolution, it is literally the oldest career other than base subsistence and much like social media marketing probably isn't going away any time soon.

Yeah, what I was getting at is that most of the influencers in the article are assuming they can make a career out of it by only being hot and popular. Their emails are being thrown in the trash because they're not acting like professionals.

# ¿ Nov 29, 2018 19:11

Fitzy Fitz: May 14, 2005

I would love to see his calculations

# ¿ Nov 30, 2018 17:52

Fitzy Fitz: May 14, 2005

I like to think that I'd plan out an entire novel or something, but I'd probably just go insane.

# ¿ Nov 30, 2018 19:22

Fitzy Fitz: May 14, 2005

tree laaaaaaaaw

Admitted to taking down endangered trees: Lake Louise ski resort to be sentenced

quote:

CALGARY � A judge is to sentence a world-renowned Alberta ski resort today for cutting down endangered trees five years ago.

The Lake Louise resort in Banff National Park pleaded guilty last December to taking down a stand of trees, including some whitebark pine, along a ski run in 2013.

The resort is to be sentenced in a Calgary courtroom on two charges � one under the Species At Risk Act and the other under the Canada National Parks Act.

A total of 132 trees were removed, but the actual number of endangered whitebark pine has been disputed. The Crown originally said 39 were removed, but the defence said the number was much lower.

The maximum fine under the Species At Risk Act for each tree destroyed is $300,000, while the maximum per tree is $250,000 under the National Parks Act.

"We'll be relieved when it's finally over," said Dan Markham, communications director for Lake Louise Ski Resort.

"Lake Louise is eager to move forward and initiate the remediation plan we've been working on in co-operation with Parks Canada."

The long-lived, five-needle whitebark pine is native to high elevations and is threatened by invasive disease, fire and climate change. It is considered crucial because it provides food and habitat for animals and helps stabilize steep subalpine slopes.

The tree exists at high elevations in western North America at or close to the treeline. It has been growing on the continent for 100,000 years and can grow to be between 500 and 1,000 years old.

An agreed statement of facts says a trail crew, consisting of six employees including a supervisor, began maintenance in the summer of 2013 on Ptarmigan Ridge at the ski resort. The work involved cleaning up, repairing and erecting fences, and trimming and removing some trees.

The document says that in late September of that year, the workers cut down a number of trees, including endangered whitebark pine, without a permit.

The facts statement says it wasn't until Aug. 12, 2014, that Parks Canada and resort personnel who were assessing the site for a new hiking trail discovered the endangered trees had been cut.

DNA analysis confirmed the trees were whitebark pine. The matter was turned over to Parks Canada for an investigation and charges were laid.

The court document says Lake Louise was co-operative during the investigation and has taken steps to prevent similar occurrences. It says the resort has also spent money on initiatives related to the whitebark pine, including extensive mapping of that tree in the area.

# ¿ Nov 30, 2018 20:29

Fitzy Fitz: May 14, 2005

There's some sort of siren call from the restaurant business that ruins so many people. Whenever a new restaurant opens in town I try to predict how long it will last. Pizza places seem to be the quickest to go under. A couple moved here from out of state to open a Hungry Howie's. It lasted maybe a year. Why would anyone ever go to Hungry Howie's? Another pizza place opened down the street directly next to another pizza place. I think it'll close after the holidays. The original one tried opening another location and only lasted a few months. It was followed by two other failed pizza places in the same building(hey, it's already got an oven!).

I don't get it.

Residency Evil posted:

I was incredibly impressed with the approach a friend of mine took to opening a restaurant: he built word of mouth early on by doing pop-ups out of local bars, built a following (it helps that he has a specific niche), and then opened only after that. He was cash-flow positive month 1.

This is basically how Papa John's was founded.

# ¿ Dec 3, 2018 15:46

Fitzy Fitz: May 14, 2005

Bourdain devoted a whole chapter to it in Kitchen Confidential.

"Owner's Syndrome"

https://archive.org/stream/Anthony_Bourdain_Kitchen_Confidential/Anthony_Bourdain_Kitchen_Confidential_djvu.txt

# ¿ Dec 3, 2018 16:27

Fitzy Fitz: May 14, 2005

Should I leave my toxic job and pay back high training costs ?

quote:

Sorry, new to sub, not sure if this is the place for this but I�m just looking for some advice.

I am currently working as a financial advisor (22M) making 65k. All day I cold call, usually around 300-400 calls a day. My only job is to bring in money. My boss is only sales focused, not client service focused, not investment performance focused. All the reasons I got into the business.

Not only do I despise it, I�m in a rural area and do not believe that this business model works, especially here.

I have an opportunity to join a team that does no prospecting, instead they focus entirely on performance, client service, and buying out other advisor�s practices to grow. I think the role would be much more intellectually stimulating and less stressful: I currently work 60+ hours a week and have lots of hurdles that if I don�t hit, my boss will not keep me on after 3 years, currently 6 months in. They also refuse to talk about the future, saying prove yourself first then we ll talk about year 3 and on.

The new job will only be 50k and my contract with my current employer requires me to pay back training costs, 15k. Which I don�t have.

Advice ?

Why would you ever accept a job that threatens this???

# ¿ Dec 10, 2018 21:00

Fitzy Fitz: May 14, 2005

How does he have an MD

# ¿ Dec 11, 2018 16:08

Fitzy Fitz: May 14, 2005

Suspicious Lump posted:

Has this been posted?
https://www.reddit.com/r/wallstreetbets/comments/a5a18z/it_has_been_a_pleasure_to_yolo_with_you_gentlemen/

Wowzer. The audacity to ask employers for a job (a second one mind you) after losing such a large amount.

Did he go all in on Roku...?

He must not own one, because I could have predicted this. (I'm aware it didn't tank because the boxes are janky. But they are.)

# ¿ Dec 12, 2018 14:56

Fitzy Fitz: May 14, 2005

Student loans may not crash spectacularly, but they will continue to smother the economy as we all barely get by and feed most of our income into the pockets of landlords and banks.

# ¿ Dec 13, 2018 14:41

Fitzy Fitz: May 14, 2005

Would it be that ridiculous to ask the sons to get jobs and help support the family? They both have cars.

# ¿ Dec 13, 2018 18:07

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# ¿ May 14, 2024 19:03

Fitzy Fitz: May 14, 2005

It's super sad that his family apparently pressured him to make an even worse decision than he originally intended

# ¿ Dec 20, 2018 16:35

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad With Money 2018: When I die, bury me in the blockchain.

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