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BraveUlysses posted:best part: Don't blame that guy, blame John Calvin.
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May 2, 2017 19:24
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| # ¿ Apr 28, 2024 22:12 |
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Ashcans posted:Really you should just make it part of regular schooling; by the time a lot of people leave school they are 18 or older and might already have gotten screwed on something. Ideally you want this to be in high school so people have a chance to understand the impacts of the choices they get to make at 18 a little better. We do this in Canada. In most provinces, it's either an explicit class or a specific topic for inclusion in regular classes: http://business.financialpost.com/personal-finance/young-money/how-canadians-are-taught-financial-literacy-from-coast-to-coast We're doing a poo poo job of of it though:  (We have a whole discussion thread about the Canadian housing bubble if you want to read and discuss more!)
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May 3, 2017 20:33
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Youtube is just another 'winner-take-all market' - a few people rise to the top and do really well and the rest lose money or earn less than a steady, minimum wage job. You see it with sports, entertainment, and other interesting places like criminal gangs.
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May 4, 2017 18:17
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monster on a stick posted:
Looking forward to the next update where Mom is complaining about the cost of the horse she wants her daughter to ride down the aisle.
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May 4, 2017 19:00
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I've been lead to believe if you're going to trade in every few years you should just lease instead. I don't know if that's true or not though.
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May 5, 2017 16:54
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Leon Trotsky 2012 posted:Another "How did this even happen before you turned 20?" story from the Army. I figure when you're putting your life on your line for your job you're probably not thinking about your future (financial or otherwise) too closely, so it might be tough to fix this.
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May 5, 2017 20:03
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BEHOLD: MY CAPE posted:Lease deals vary from great to terrible, it is completely dependent on the manufacturer and your negotiating/timing. Leasing a car off the dealer lot near the end of the model year is often a fantastic deal, for example. Makes sense, since that's when you should buy as well.
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May 5, 2017 20:28
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ate all the Oreos posted:My mom sells Rodan and Fields or something like that but as far as I can tell she's managed to self-limit it to not become an all-consuming hell like a lot of MLM bullshit and generally just uses it as an excuse to get all the ladies together to drink wine and giggle So what you're saying is... if I somehow invent an MLM that sells books for book clubs I'll be rich?
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May 8, 2017 19:47
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ate all the Oreos posted:This sounds like something that would already exist... Not the same but didn't there used to be companies that did "Columbia House, but for Books"?
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May 8, 2017 20:06
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BEHOLD: MY CAPE posted:Yes and they would send you like 3 hardcover books a month at list price plus shipping unless you called and waited on hold and complained enough to cancel Yeah thought so. Content:   
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May 8, 2017 20:22
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Dwight Eisenhower posted:Look I don't care if you're a blood sucking creature of the night. What you do on your own time is your business. *Doesn't apply to management hires.
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May 10, 2017 16:16
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Tiny Brontosaurus posted:Is there any feasible way to ban MLMs? It might be difficult because MLMs actually involve the sales of real products and pay commissions in a similar way as some (ostensibly) legitimate markets, such as insurance or real estate. Not saying it can't be done but there would be a lot of industries lobbying against changes.
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May 16, 2017 20:27
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Randler posted:I think that is a very small obstacle compared to the lack of political will. While MLM schemes sell real products, their defining issue is that the lower levels cannot sustain themselves with product sales on the market and have to dupe others into it. Considering that governments are already pretty familiar with checking whether prices are realistic or not, i.e. transfer pricing for taxation purposes, I'd be confident that MLMs could be defined and detected well enough. The insurance industry plays out eerily similar to an MLM for the agents at the bottom. Most are not able to support themselves with sales and there is a lot of turnover for this reason. At least with insurance they aren't able to go into debt filling their garage with shampoo and thus wash out pretty quickly if they aren't good at sales and/or recruiting. Edit: In case there is any confusion, I am not arguing that this means MLMs are legitimate. If anything, I'm arguing that if you see an ad in the paper to learn to sell insurance, don't. Cold on a Cob fucked around with this message at 20:54 on May 16, 2017 |
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May 16, 2017 20:51
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https://www.reddit.com/r/PersonalFinanceCanada/comments/6bfghf/house_deal_fell_through_is_it_okay_to_put_my_rrsp/ posted:House deal fell through. Is it okay to put my RRSP funds back? (self.PersonalFinanceCanada) quote:[–]RobotCowhand 2 points 1 day ago quote:[–]Devious-Throwaway[S] 1 point 21 hours ago Pretty low grade BWM, I wonder if he got advice regarding his credit card balances in the past. Oh look: https://www.reddit.com/r/PersonalFinanceCanada/comments/60kbty/seeing_a_mortgage_broker_can_i_do_anything_to/ posted:Seeing a Mortgage Broker; Can I Do Anything to Improve My Outlook? (self.PersonalFinanceCanada) LOL deliberate choice my rear end. quote:[–]lemonsalad89 3 points 1 month ago Well that sure worked out for him. quote:[–]chaitea97 1 point 1 month ago quote:[–]Devious-Throwaway[S] 1 point 1 month ago Carrying lots of consumer debt and living/working in the diverse and healthy Fort Mac oil economy, I can't imagine why lenders aren't beating down his door.
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May 17, 2017 22:34
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Friendly reminder that BWM-topical movie The Wizard of Lies is getting good buzz and premieres on HBO tomorrow night. Hm. Is premium cable BWM?
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May 19, 2017 16:49
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Konstantin posted:Yes, because HBO has a streaming service. Not cord-cutting is very BWM. Not in Canada, no HBO Go here. You can't even buy episodes on itunes or other a la carte services until the new season of a show has already started. And they love to send you "notice and notice" letters if you pirate their poo poo, not that this stops. Paying for media in Canada is ethical but BWM.
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May 19, 2017 17:08
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kimcicle posted:A lease is for a single vehicle with a set timeline. What he's talking about is a car subscription service, like BOOK, where you pay a flat rate every month and continually get cars. They cover insurance and maintenance with unlimited mileage, and you get to switch out cars on the regular (SUV for weekend roadtrips, small sedan for daily driving, etc). I can't see this ever happening and being profitable but that's never stopped a startup before I guess. That said, Autoshare/Zipcar/etc are great services if you very rarely need cars and want to rent by the hour.
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May 19, 2017 23:02
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Krispy Kareem posted:It's just a fine. It's not like you're going to jail or anything. But I think she's a government employee now and I'm not sure they're allowed to endorse products without going through an approval process. Check the date, she might get fined but she wasn't a govt employee then.
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May 20, 2017 04:01
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It was weirdly sympathetic to the sons and the wife. They turned that around by the end a bit where the one son was like 'who the gently caress am i to complain I lived in luxury even if I wasn't complicit' but then the movie didn't exactly focus on the victims much. This is more of a problem with the medium than anything though, people don't tune in to see what happened to some dude who lost his life savings and blew his brains out.
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May 21, 2017 03:45
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theHUNGERian posted:Since then it has been down hill, the last three positions being gas station manager, Uber driver, and finally MLM. Sigh. Despite the fact you're getting hosed pretty hard, MLM is not a "position"... just sayin'.
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May 26, 2017 03:37
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KYOON GRIFFEY JR posted:Just saw an Uber/Zipcar crossover ad: you can rent a Zipcar to drive for Uber. Or maybe it will make the sub-minimum wage income glaringly obvious since the costs aren't deferred anymore.
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May 26, 2017 13:37
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KYOON GRIFFEY JR posted:For one hour's driving let's figure on what, about 25 VMT, and at least on some stats that I found in my city an Uber driver's hourly takehome at full utilization is about $23/hr. You need to calculate the overage rate, there's a per km charge in Canada if you go over 200km. In my experience Zipcar/autoshare/etc are great if you drive minimally and want a car for a few hours at most but once you start to hit their daily maximum and/or their km overage more than a few days per month it's cheaper to rent the traditional way or just own a car.
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May 26, 2017 14:23
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quote:He started telling his colleagues that he was going to retire soon. “They’d say, ‘That’s pretty neat. But I have three kids.’ Or: ‘I like horses.’ ” Heh.
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May 28, 2017 13:00
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quote:The next day, Julian checked Robert’s references, which were neither glowing nor damning. We hired him, figuring we could always replace him if things didn’t go well. quote:A few weeks after we hired Robert, we made the overdue decision to fire him. quote:As soon as Robert had secured the foundation, we met him at a coffee shop on Queen and fired him. He didn’t go quietly. He wanted to stay and complete the rest of the house, or, as he called it, the “cream” of the project. He pulled out his tattered black log book and told us we owed him $20,000—on top of the $30,000 we’d already handed over. We countered with a list itemizing the $100,000 we had paid to make up for his incompetence. In the end, we gave him roughly $6,000, just to be rid of him. quote:We hired him, figuring we could always replace him if things didn’t go well. Hahahahaha these people are so amazingly stupid. quote:We hired him, figuring we could always replace him if things didn’t go well. I'm dying.
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May 30, 2017 12:53
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Amazing. How many subscribers does he have? Edit: Also lol @ yelling at the people who paid this kid's way that they need to continue supporting him forever because of some ... duty to support artists? Holy poo poo.
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Jun 5, 2017 20:23
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Leon Trotsky 2012 posted:Last I checked he has about 1,000 subscribers. Holy poo poo, he's leaving literally TENS OF DOLLARS per month on the table, he needs to turn on monetization STAT! (I bet 90% of those are follow for follow too.)
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Jun 5, 2017 20:33
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Leon Trotsky 2012 posted:Doesn't Youtube pay you based on how many people watch ads and what type of ads they watch? What is the advantage to "follow for follow" subscribers? You're correct, it's based on views. But a high-subscriber channel looks popular and encourages "real" followers, or so I've read. (I'm no expert on this stuff though.)
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Jun 5, 2017 21:47
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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. Gift cards are the defacto "giving cash without being gauche and actually giving cash" gift, hth.
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Jun 8, 2017 20:36
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Tiny Brontosaurus posted:A lot of mental health drugs have weight gain as a side effect, and it can get pretty extreme. This person needs a case worker and a better safety net If you're comparing us to the usa that's a low loving bar to be "better than". Her doctors are free but drugs are not automatically free. In Ontario if you're on disability you get free drug coverage for certain approved drugs but working will interfere with your benefits. In any case, it's a super sad situation.
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Jun 10, 2017 01:37
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Here's an article about how lovely drug pricing is in Canada, with a short bit about someone in a similar situation as that reddit poster - in her case she has coverage but only because the drugs are on an approved list: http://news.nationalpost.com/news/canada/this-is-why-canada-has-the-second-highest-medication-costs-in-the-world
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Jun 10, 2017 04:10
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Subjunctive posted:See also: cheques not clearing instantly. Cheques are pretty lovely in general. If you write post-dated cheques it's worth knowing that they can be cashed anytime. The date might as well not even exist.
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Jun 15, 2017 17:48
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DarkHorse posted:My bank wouldn't let me cash a check that was post-dated a year in advance (roommate wrote the wrong year) so it has some relevance in some places. Yeah in Canada the policy is the bank shouldn't honour the cheque, but there's no penalty to them if they do as far as I know. You can get it reversed but that's cold comfort if that cheque put you into overdraft and other stuff starts bouncing.
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Jun 15, 2017 18:18
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Guinness posted:Hoo boy, sucks to be this guy: This is amazing. If you asked 100 people on the street if you can lose more than you invest in the market, 99 of them would say 'no' so I can completely understand why this guy ended up getting screwed. He should lawyer up, though I'm not sure if it will make a lick of difference.
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Jun 18, 2017 13:55
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Sheets?! Who can afford sheets after making their $700 per month mattress payment?
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Jun 19, 2017 19:53
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MaiaN posted:Saw this on imgur and chuckled. In 1986 United Way of America released 1.5 million balloons in Cleveland and Oh man, way to bury the lede, this balloonfest thing in general was amazingly BWM! They spent half a million dollars releasing those stupid balloons and got sued multiple times over it. Two people drowned who *maybe* could have been saved if the coast guard hadn't been grounded by those balloons. Amazing.
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Jun 27, 2017 13:20
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Want to be a fly on the wall when he says the wrong thing to a cop and they put a boot on his lambo the next time he does this.
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Jun 27, 2017 19:53
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NancyPants posted:Eh, people usually only do that when trying to get out of the ticket. Doesn't sound like he even tried, he just considered it the cost of parking there. I'm more imagining him just chatting with the cop and being "funny" about his parking tickets in a completely out of touch way and the cop being like "gently caress this guy" the next day. Edit: I'm just saying sometimes "all cops are bastards" meets "rich bros are out of touch" and it's funny when this happens. Cold on a Cob fucked around with this message at 20:00 on Jun 27, 2017 |
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Jun 27, 2017 19:58
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I would also accept a scenario where there is a fire nearby and the firetruck has to ram the car out of the way. 
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Jun 27, 2017 20:44
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BEHOLD: MY CAPE posted:Lol why would they ever boot someone like that who gladly donates the cost of a ticket to the city on a regular basis? Don't kill your golden goose and all Yeah I know, it's rare but, Cold on a Cob posted:Edit: I'm just saying sometimes "all cops are bastards" meets "rich bros are out of touch" and it's funny when this happens.
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Jun 27, 2017 20:47
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| # ¿ Apr 28, 2024 22:12 |
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Yeah, so is eating healthy.
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Jun 28, 2017 17:19
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