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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Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

At least $15 worth of tacky crap in every box, guaranteed!

# ¿ May 2, 2017 17:45

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# ¿ May 3, 2024 05:47

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Plenty of young people can afford to do that - the trick is asking your parents for the money.

# ¿ May 2, 2017 23:39

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

It was their earnings yesterday or something, I know because a friend brought it up to me unsolicited. Luckily for he guessed it was going down not up.

# ¿ May 3, 2017 01:01

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

6 miles is like, a 30 minute bike ride, assuming it's not super hilly or whatever. That's...really not bad and when I lived in a hellish "car city" it was pretty common that I'd have to drive for 30 minutes to get somewhere because of all the traffic lights.

# ¿ May 5, 2017 23:30

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Tiny Brontosaurus posted:

This guy lives in Vegas apparently, so the heat is a factor to consider too. Even if he took precautions to stay safe in the summer heat, it would be a miserable time and would probably leave him unprofessionally smelly by the time he got to work. If he's in this predicament I doubt he works at a nice enough place to offer showers for bike commuters.

Yeah I was more talking to the guy in this thread, but good point, it definitely depends on climate and conditions and all that. In San Diego the weather was okay for biking but the place is full of mesas so certain places weren't bike accessible unless you wanted to ride up a miserably steep climb in both directions.

6 mile bike commute in Vegas with no shower is, for sure, a non-starter.

# ¿ May 6, 2017 00:40

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Sundae posted:

The only (non-rear end in a top hat) thing I can think of is that maybe they screwed up and thought I was a local candidate, then rejected once they realized they'd asked someone to fly out to OR from CT on less than a day's notice.

This sounds like the most likely thing, to me.

Doc Hawkins posted:

Because it basically doesn't happen to white men. It's so unheard of that the only advice I ever hear is to refuse to share your previous salary and to always negotiate for more money. "Hey, the worst that could happen is they don't change their offer." Yes, for us, that is probably the worst that would happen. For others...

(The story that kicked this off is apparently about a job at a public agency, which is a less common situation, but even there, their first response was conciliatory: "oh, you must have misunderstood, we can't give you an offer that high, so just accept something lower.")

I mean, the worst thing that can happen is the offer is rescinded has always been the case - it's just rare and coincident with other Bad Things that reduce the value of an offer anyway. It's definitely a bit risky to negotiate salary aggressively if you have no backup and need a job, even an awful one, right now. Most of the people who go online and seek out negotiation advice are not in this position though, making advice that focuses or highlights this risk somewhat dangerous - many(most?) people are afraid to negotiate aggressively in any situation and it "confirms" their bias thus leading to inaction where they could have done much better for themselves. The advice "always negotiate" is given because, it's going to have the best results in aggregate.

If you truly need the first job that comes your way, trying to negotiate does carry some risk that you have to estimate, and it's certainly higher for women and minorities. That said, negotiating is still going to have better results on average than not doing so - it's only the worst case where it's truly worse.

Jeffrey of YOSPOS fucked around with this message at 20:38 on May 9, 2017

# ¿ May 9, 2017 20:26

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

22 Eargesplitten posted:

Or you just don't put your address on your resume, which I started doing when I was trying to move cross-country.

Yeah if it's worrying you, do this at least.

# ¿ May 10, 2017 14:56

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Okay stealing dinosaur bones for reckless celebrities sounds like an awesome gig. Career 2 here I come.

# ¿ May 11, 2017 20:28

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

100 years ago, serious cooks using teflon would make a point to having a macaw around to serve as an early warning system for toxic gas.

# ¿ May 14, 2017 23:48

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Ignoranus posted:

In those days, were macaws expensive enough to make this BWM?

The expression, "the macaw in the macaroni" is still used idiomatically in some parts of northern Italy to refer to any sort of early warning system.

# ¿ May 15, 2017 00:18

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

It's essential in the, like, "having the essence of" sense, not the "non-optional" sense.

# ¿ May 18, 2017 00:23

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

cowofwar posted:

Okay that's not what the word means but I guess retards being retarded.

It's an alternate definition, they aren't that far apart. It's a blurry line even, eg "I got the essentials of the lecture despite also getting a high score in flappy bird."

# ¿ May 18, 2017 01:25

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Leon Trotsky 2012 posted:

U.S. President Donald J. Trump, the man who was so BWM that he ran 3 different casinos that went bankrupt, is... GWM(?) when it comes to horses?

Ultimately, D.J. Trump lived � but his front hoofs had to be amputated, and he would never race. As the story goes, Trump was "unmoved," and, as he hadn't written the $250,000 check yet, he wiggled out of the deal.

"[Trump's] cavalier attitude about the horse, I think, bothered Steve," O'Donnell told the Post. �That [Trump] didn't care, that it was just a piece of flesh � That really disturbed him."

This raises a lot of questions....like who the gently caress is Steve????

# ¿ May 19, 2017 21:36

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

ate all the Oreos posted:

Google says it's 64mg per shot x 4 = 256mg, the caffeine pills I have in my drawer right here are 200mg per pill

e: It kinda feels wrong at first to get your caffeine fix from a pill instead of a drink but it's significantly less bad for you (no sugar or calories, unless you're just getting your coffee black all the time) and so much cheaper (like 60 200mg pills for $5)

I was on the cusp of doing this when I got free coffee at work. (I do drink it black.) Have you noticed any health benefits beyond that? Might still buy them for the weekend.

Edit lol sorry, sorry, don't bird me!!!!

# ¿ May 22, 2017 00:14

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Austin S posted:

Still catching up with the thread but it appears no one has brought up the HENRY meme or any recent examples. When that day comes may I suggest this new(?) emoticon.

That emoticon is there because some dude in games pitched his (bad-seeming) indie game called thermidor in games and it was an anime game about the french revolution. For some reason there weren't going to be any guillotines in the game despite the sentence and so the whole thread was about how he should add guillotines.

# ¿ May 22, 2017 17:13

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Guinness posted:

Relatedly, we just had one of our engineers leave our company on somewhat bad terms because he wanted to go start a solo contracting/consulting business very similar to our own. He even initially wanted to work out an arrangement where he could work for our customer as a solo contractor. That got squashed real quick and put a real negative spin on the whole thing.

He was a smart enough guy in his specific fields on engineering, but was always a little bit difficult to work with due to his ego and was pretty bad at writing down the things in his head for others to understand. But this whole thing mostly boiled down to him not realizing that there's a lot more that goes in to the billable rate charged to client than his own billed engineering hours. I don't know all the nitty-gritty details, but this is a pretty senior guy presumably making in the ballpark of 150k/yr with good benefits who was bitter that the company was billing him out at $150-200/hr and he was only getting paid the "hourly rate" of $70-75/hr.

When asked about what he plans to do about accounting, finance, invoicing, legal/contracts, sales, auditing/compliance, project management, etc., etc., he just kind of shrugged like "whatever that all can't be that hard or take up much time".

He'll be in for a rude awakening as "CEO".

Plenty of people do this successfully, it's not crazy or anything. A talented programmer should be collecting more than 1/3 of their billable rate. He can probably still contract for your customer in California since they won't enforce non-competes.

# ¿ May 22, 2017 21:13

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Sure but presumably the $150k was also pre-tax, it's still apples-to-apples a huge difference. (He is gonna have to pay both sides of the payroll tax now.) Obviously there are a lot of costs that you don't have as a W-2 employee, all those ancillary tasks like legal paperwork and benefits and all that are gonna draw it down, but it's definitely still a good move *if* you can manage all that.

# ¿ May 22, 2017 21:22

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

dreesemonkey posted:

I feel bad for the kids, because this Disney trip was a complete surprise and the first thing the older daughter said was "I thought we didn't have any money"

geez

# ¿ May 24, 2017 15:46

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Being able to use their phone to get home immediately is something I'd want my kid to be able to do, I totally get that. Sharing it like it's a netflix account is pretty bizarre though.

# ¿ May 24, 2017 20:03

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

BarbarianElephant posted:

If she was a sensible person she could say "Right, with this inheritance you don't need my spare room, so I'm renting it out. You want to stay here, it's $800 every 5th of the month, but you need to fill out an application form like everyone else."

She's moving out at lease expiry in 16 days. Presumably she'd need to give 30 days notice to evict him legally. Chances are that just staying where he is will cost her a boatload of money with the current landlord, which should be enough to leverage himself into a room in the new place (that he can once again claim tenant's rights on) or at least a favorable negotiating position for the terms of his leaving.

# ¿ May 30, 2017 21:54

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

I mean, isn't the point of a trust that the heir throwing a tantrum does *not* get it signed over to them? I have no idea of the legal structure involved but like, isn't being tantrum-proof is supposed to be what it's for?

If I had a trust(we can all dream~) and all I had to do to gain control of the principal was throw a hissy fit, then frankly, I would. She didn't have to cut off the family or whatever - keep the legal matters legal.

# ¿ May 31, 2017 17:38

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

I know I even participated in this one but uhh, I'm supposed to be a mod here this week so shut up!!!!

# ¿ Jun 1, 2017 18:22

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Senor Dog posted:

How is this thread so hard for people

Yeah please stop.

Gotta admit I had a half typed contribution to this one before I thought better of it!!!

# ¿ Jun 2, 2017 03:49

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Yeah straight-up. "Encouraging home ownership" seems like it was kind of a bad idea even in a vacuum where that's all it did. A rent tax deduction would make more sense, straight-up.

Jeffrey of YOSPOS fucked around with this message at 19:12 on Jun 2, 2017

# ¿ Jun 2, 2017 19:03

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Jesus one more post about this and I'm probating you for a month!!!!

# ¿ Jun 7, 2017 06:18

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

22 Eargesplitten posted:

That's actually a point I didn't think of. I never thought of 401k take-home, but should you? If you consider other money put into savings as part of take-home, it seems like the 401k would be even better savings. Or do you only count what you could choose to spend without taking penalties like with a 401k?

It's not like insurance premiums or tax where you're no getting it, you're just getting it differently.

Maybe there's a difference between take-home and net?

It's certainly not take-home in the same sense that post-tax paycheck income is take-home. At the very least you need to discount your tax rate.

# ¿ Jun 8, 2017 20:26

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Blinkman987 posted:

Didn't a police force sue for the right to hire people of below average intelligence because it helps their retention rate?

How bad does a person need to be in general to not get in?

It was more like, the right to refuse to hire above average intelligence people. I don't remember details or anything but that's definitely what was reported.

# ¿ Jun 9, 2017 17:11

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

# ¿ Jun 12, 2017 06:17

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

I'd like to think I'd have the strength to walk out.

# ¿ Jun 12, 2017 06:19

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

It's weird that the divorce agreement is just considered null and void. She needed to know that before cosigning loans with him. Ideally he would have had to pay the school with or without her signature.

# ¿ Jun 12, 2017 18:12

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Photex posted:

i'd think it was a reasonable expectation kind of thing? "Sure i'll pay for half" then half ended up being upwards of 60-70k.

Yeah college is expensive - in my eyes he committed to that when he signed the divorce agreement. That's the correct order of magnitude for "60% of the cost of college" in this country.

# ¿ Jun 12, 2017 19:22

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

That sounds...understandably frustrating? That it takes more than 30 seconds to resolve "ahh that account is closed" is an absurdity in 2017.

# ¿ Jun 15, 2017 17:39

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Taking the loan seems fine to me, it probably won't make any difference either way. Either he gets a job and pays it off quickly or he doesn't and he's hosed either way.

He's not just imagining that it's easy, he cited his school's statistics. Not having a junior year internship certainly means he's closer to that 5% than I'd like, but he's probably fine.

Jeffrey of YOSPOS fucked around with this message at 02:35 on Jun 16, 2017

# ¿ Jun 16, 2017 02:31

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Leon Trotsky 2012 posted:

This is not even remotely close to true. There are systemic reasons why significant weight loss is difficult for lots of people, but the laws of thermodynamics come into play for everyone.

It is ridiculously bad for your health and money to be fatalistic about your weight and to tell yourself that it is physically impossible to become healthy. Every doctor in the world would tell you that giving people that advice is actively harming them.

It is statistically true - for most folks eating a modern diet, weight gain is permanent, and it should generally be modeled as such. As a society, for whatever reason, we decided that huge portions of the country gaining weight all at once was a collective failure of personal responsibility, and not, you know, an ongoing systemic problem with our understanding of nutrition and a failure to instill correct values. (Or perhaps, successfully instilling incorrect values.) All sorts of things could explain the causes here but one thing is pretty clear - generalizing from the outlier example of a person who has lost a lot of weight blinds us from attempting to figure out the actual cause in lieu of fruitlessly banging the personal responsibility hammer.

I mean, they have done twin studies where they carefully regulate the amount of activity and food people eat in a closed environment. Each pair of twins tends to gain or lose the same amount, but the variance between pairs is large. Ignoring genetic variance here is foolishness. Combine that with the ongoing, uh, "mental load" of poverty and it's not really hard to see why, by and large, the amount of people who successfully lose a lot of weight is tiny.

# ¿ Jun 28, 2017 21:35

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Haifisch posted:

[California] Landlord stopped cashing our checks 10 years ago. We are interested in buying the property, what should we do?

BWM: Living in San Francisco rent-free and deciding you want to buy the house. BWL: Doing everything in your power to pay the landlord except giving money to the government agency that told you to.

What the hell??? It's so obvious. You don't tell anyone, you don't pay anyone, and you sure as poo poo don't call attention to it on the internet.

# ¿ Jun 30, 2017 23:00

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Pryor on Fire posted:

I think that taking advantage of your landlord becoming too senile to cash your checks is pretty clearly unethical. Or they are just best buds whatever.

They've gone way above and beyond trying to reach him. It's not all that clear that he is even alive. Him and his heirs would be strictly worse off in every sense if they "did the right thing" in your eyes and moved out and let the property rot.

# ¿ Jul 1, 2017 00:28

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Virtue posted:

I struggle to think of something else that fits the description besides cryptocurrency. Come to think of it I don't even think I could get cash out of my savings account in under 24 hours without going to a physical location.

Like, shares of index funds or any stock or whatever? I'm sure some brokers issue atm cards so you can get cash out quickly but I doubt all of them do.

Like, not everyone is lying about everything, dismissing the possibility that the "very liquid investment" is indeed a very liquid investment is a little hasty.

Jeffrey of YOSPOS fucked around with this message at 15:55 on Jul 1, 2017

# ¿ Jul 1, 2017 15:53

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

kw0134 posted:

The thing is that the property might not even be the landlord's anymore; the letter they got from a city agency sounds like it may have been in a tax foreclosure in which case the tenants owe a pile of money to the municipality. In the event, if the landlord can't be bothered to collect rent, he sure as hell ain't bothering to pay property taxes, and the shocking thing would be that the city didn't send the sheriff to staple a summons and complaint to the door. Or maybe he did and the tenants thought it was a "scam."

There's no way that this property isn't unencumbered by liens from all sorts of creditors, all of whom would have a right to the profit (i.e., rent) generated by the property.

They said a management company has been paying property taxes, which frankly raises even more questions. Is a senile owner automatically paying them? Or are they just as "senile" and haven't noticed they stopped being paid as well? Surely the city isn't paying the management company.

Not every lease has an automatic renewal clause either. If the lease doesn't renew, but you don't move out and aren't evicted, do you owe money? I have no clue. It reads a little like that (presumed fake) workplace story of the goon who was in a forgotten department and kept getting paid.

Sorry if I'm continuing an unwelcome derail but personally I find this one fascinating.

# ¿ Jul 2, 2017 01:05

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Guinness posted:

I'm perpetually amazed at the large quantities of time people will waste or inconveniences they will put themselves through to save trivial amounts of money.

Like I get it if you are in a tough situation where you've only got time to spend and no money, but that's not what it is in many cases.

More like time he will waste/inconvenience in order to make an internet post about how that being cheaper is absurd. He probably had fun on the beach, as well.

# ¿ Jul 4, 2017 20:01

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# ¿ May 3, 2024 05:47

Jeffrey of YOSPOS: Dec 22, 2005; GET LOSE, YOU CAN'T COMPARE WITH MY POWERS

Suprfli6 posted:

I always get my hopes up when I see a few pages of posts in this thread but it usually ends in disappointment. Unlike happy-ending-kid there.

Have some content:

A coworker of mine is a couple years from retirement. He just accepted a promotion that will actually be a pay cut. Even though his salary grade went up 2 grades, he was at the max for his previous grade and also getting annual longevity bonuses. He told me he took the promotion because our pension doesn't factor longevity bonuses into your final average salary so he'd make less money for two years but have a larger pension this way.

He's wrong and it absolutely does include longevity bonuses for FAS calculations.... I have no idea if he can grieve this or something, otherwise he just burned several thousand dollars a year for the rest of his life

You lose "longevity" bonuses when you stay in the same organization but get promoted? That seems like it would bizarrely reward those who aren't competent enough to be promoted, what a strange system.

# ¿ Jul 18, 2017 18:58

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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