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Placebo is a real thing, and triggering it is a reasonable thing to do, though preferably at a lower price point.
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Aug 26, 2015 14:55
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Palladium posted:I noticed somebody talking about Kangen Water way earlier in this thread. Uh hey speaking of those kinds of scammy companies, something crazy happened today. Vemma, one of those pyramid scheme companies like Amway that normally avoids being called a pyramid scheme because they're "selling a product" got ruled as a pyramid scheme by the FTC today: http://abcnews.go.com/Business/wireStory/ftc-vemma-shut-running-pyramid-scheme-33333526 quote:The FTC says Vemma provided little help on how to sell its products and instead rewarded them for recruiting more people. I never thought I'd see the day.
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Aug 26, 2015 19:19
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I'm finally reading that star wars thread and, goddamn. http://www.theonion.com/article/30-year-old-factors-in-birthday-money-32715 was linked in there and made me laugh in a sea of sadness. I'm astounded by how such a situation could arise, and I cannot at all see inside the mind of the OP.
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Aug 26, 2015 20:44
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That's the thing...with Kyteguy and Tuyop I could at least take myself down their bad decision tree - while they were not the most logical decisions, I at least understood the motives. I guess the difference is crippling mental illness! 
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Aug 26, 2015 20:49
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marchantia posted:That's the thing...with Kyteguy and Tuyop I could at least take myself down their bad decision tree - while they were not the most logical decisions, I at least understood the motives. I guess the difference is crippling mental illness! That is the actual difference. Bad decisions are bad decisions and you expect that some will be made. The Blue Story thread revolves around her delusions that how they live is fine and that she just needs some financial help. Except that her delusions won't let her listen to any advice at all. At least she is aware there is a problem even though she doesn't realise how bad it is.
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Aug 26, 2015 22:17
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I have it on p good authority that Blue Story's thread was a joke. 5% real, 5% call-for-help, 90% "LOL I TROLL U BY SLIGHTLY EXAGGERATING THE EXTENT OF MY SQUALOR"
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Aug 26, 2015 22:20
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GoGoGadgetChris posted:I have it on p good authority that Blue Story's thread was a joke. I have it on good authority (mine) that I see this claim all the time on these forums and there is almost never any evidence of it being a joke. Who would spend weeks or months on perpetuating a lie like that? It's a waste of loving time. I doubt even FYAD'ers would do it. If goons were predominantly in their college years still, maybe. Just maybe. But still, probably not. People have better poo poo to do.
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Aug 26, 2015 22:25
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There was someone in GBS who pretended to be mentally handicapped just so they could mess with the water delivery guy. It's entirely possible.
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Aug 26, 2015 22:28
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GoGoGadgetChris posted:I have it on p good authority that Blue Story's thread was a joke. *lol trolls forum* *poops in sock while playing wow* *adds to cum jar to save for a GBS thread in the future* *doesn't realise having 30 dead cats in the fridge isn't a healthy thing to do*
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Aug 26, 2015 22:38
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GoGoGadgetChris posted:I have it on p good authority that Blue Story's thread was a joke. Aren't you the troll who posted that fake photo, saying it's the one the OP sent you via PM? Yeah sorry but you don't have much credibility left.
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Aug 26, 2015 22:54
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GoGoGadgetChris posted:I have it on p good authority that Blue Story's thread was a joke. With the amount of people binge reading that thread right now, your attempts to continue trolling are weak at best. You did a good job with the fake photos. Stop while you're ahead.
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Aug 26, 2015 23:21
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I'm not allowed to post in it anymore. Blue Story counter-trolled me and convinced two mods that we're the same person. She was warned that her alt account GGGC would be banned if she used it again in the thread.
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Aug 26, 2015 23:25
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enraged_camel posted:Aren't you the troll who posted that fake photo, saying it's the one the OP sent you via PM? defectivemonkey fucked around with this message at 00:05 on Aug 27, 2015 |
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Aug 26, 2015 23:52
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GoGoGadgetChris posted:I'm not allowed to post in it anymore. Blue Story counter-trolled me and convinced two mods that we're the same person. Admins can check if two users are the same or not, permabans would be worthless otherwise Edit: haha didn't realise, the "convincing" would "work" because they -are- the same person, i m dum
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Aug 27, 2015 00:10
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 ??? Have I been hoodwinked?
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Aug 27, 2015 00:12
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BraveUlysses posted:There was someone in GBS who pretended to be mentally handicapped just so they could mess with the water delivery guy. It's entirely possible. You should provide a link if it's not that BlueStory thing.
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Aug 27, 2015 00:14
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lol the only thing worse than random derails about houses/suburbs/horses/boats/etc is derails about who is trolling whom in some other thread, even if its a good other thread
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Aug 27, 2015 00:15
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The notorious troll GoGoGadgetChris  GoGoGadgetChris posted:I don't see the problem; goons will always push the Ramen & shoebox apartment lifestyle way too hard imho. 
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Aug 27, 2015 00:15
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This is a thing to PM me about and I probably would have told you yesterday when I PMed you if it was true but that's not a real thing. So carry on posting as long as it's more substantial than "OMG I THINK THIS IS FAKE" because that is boring and if you have actual evidence you should send it to me instead of  ing. In thread content news: is it Bad With Money to pay $180 for warranty transferability on a new A/C and furnace? I will very likely move within the warranty period.
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Aug 27, 2015 00:18
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I've always wondered what proportion of credit card users pay the minimum and pay off in full. http://www.interest.co.nz/personal-finance/77285/paul-goldsmith-says-banks-are-capable-setting-their-own-competitive-credit quote:Goldsmith repeats a New Zealand Bankers’ Association’s line, that only between 1% and 3% of New Zealand credit card customers make the minimum repayment each month. Only 1/3 of US and Australian credit card customers are paying in full each month.
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Aug 27, 2015 00:28
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Devian666 posted:I've always wondered what proportion of credit card users pay the minimum and pay off in full. http://www.thesimpledollar.com/the-state-of-american-credit-card-debt-in-2015/  So 1/3rd seem inaccurate for America. Also the amount of Americans with any revolving debt at all went down from 44% in 2009 to 34% in 2014. However those with debt are trending towards more debt. Basically the majority of Americans have become better with finances, but the minority with revolving debt have gone from bad to worse it looks like. Correct me if I'm wrong. I was only able to read through the article briefly. One of my coworkers just took out an $80,000 home equity loan to grass his 2/3rd acre backyard, after he spent $7,000 on it and realized he didn't have near enough to finish. He says he doesn't plan on spending all $80,000 of it, but I foresee a new expensive toy or two in the future with that money. WobblySausage fucked around with this message at 00:55 on Aug 27, 2015 |
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Aug 27, 2015 00:48
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53% only paying minimum where they carry a balance. That's crippling and terrible. I'm wondering what proportion are broke graduates and what percentage are out of control consumers. The figure of 57% paying in full each month is on par with New Zealand, not great but not a complete disaster.
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Aug 27, 2015 01:05
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Wickerman posted:You should provide a link if it's not that BlueStory thing. http://forums.somethingawful.com/dictionary.php?act=3&topicid=1363
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Aug 27, 2015 13:46
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wow is that where mr green water came from?
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Aug 27, 2015 16:15
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Hello Bad With Money thread. I am starting a budget in earnest for the first time. Using Mint. My bank accounts and credit card are linked. I have a dumb question. I put most purchases on my credit card for the grace period and security (had an issue with a debit card getting skimmed a few months back which was a pain in the rear end to deal with) and to track spending. I pay it off in full at the end of the month. I'm confused about how to budget for paying my credit card bill. Each purchase is already part of my budget - for example, gas and my cellphone bill. If I add a category for paying the balance every month, it looks like I'm spending twice as much?
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Aug 27, 2015 17:57
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Puppy Galaxy posted:Hello Bad With Money thread. I am starting a budget in earnest for the first time. Using Mint. My bank accounts and credit card are linked. I have a dumb question. If you are disciplined enough that you never miss a grace period payment, just don't budget that. Treat it as if you spend the money when you charge it to your card. It's trickier if there is some contingency where you might not be able cover purchases, in that case you can budget payments towards interest only I guess? I would use an emergency fund rather than being in that situation.
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Aug 27, 2015 18:02
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Every purchase should be logged as an expense under the appropriate category. Paying off the balance should be represented by a transfer of funds from one place (probably your bank) to another (in this case, the card). You should not be expressing it as spending twice. You don't need to budget for your credit card payments unless you're paying off previously held debt.
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Aug 27, 2015 18:02
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I don't use the Budgeting part of Mint, but the transactions for credit card payments should be categorized as Transfer, and then Mint won't include them in spending totals.
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Aug 27, 2015 23:20
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And the final bit of the saga with the BWM teacher. We told him that we were releasing him from his contract as of the end of September and he sends this response:quote:Hey (Contact Person), Total Confusion fucked around with this message at 11:03 on Aug 28, 2015 |
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Aug 28, 2015 10:56
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Gold and a Pager posted:And the final bit of the saga with the BWM teacher. We told him that we were releasing him from his contract as of the end of September and he sends this response: What an rear end in a top hat. You should reach out to be a job reference for him.
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Aug 28, 2015 11:59
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Gold and a Pager posted:And the final bit of the saga with the BWM teacher. We told him that we were releasing him from his contract as of the end of September and he sends this response: So wait, does he teach something to do with the markets or was he just handing out investing advice in class? Also quote:Finally, I'm just not doing (your company) proud. I would like to walk away with some sense of Was that a error of the copy paste or did it actually read like that in his email? I'm dying to know what he wants to walk away with a sense of. Although I guess he couldn't think of anything and wanted to come back to it later and then forgot. Amazing.
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Aug 28, 2015 12:22
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Nothing specific to markets, I think he was just handing out investing advice in class. As for the copy/paste, it actually read like that in the e-mail.
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Aug 28, 2015 12:54
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His train of thought is so beautiful, much better and easier to follow than when Bitcoiners talk about the markets. Fight the good fight!
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Aug 28, 2015 14:35
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Lots of BWM today from both HSBC and their irate customers not having any kind of emergency fund in case they don't get paid the day before a 3 day weekend http://www.bbc.co.uk/news/business-34084767
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Aug 28, 2015 14:53
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Doccykins posted:Lots of BWM today from both HSBC and their irate customers not having any kind of emergency fund in case they don't get paid the day before a 3 day weekend http://www.bbc.co.uk/news/business-34084767 Not surprised. More Canadian banking stories- whenever there's a long holiday that delays a Friday payday, the phones ring off the hook with spastic customers frantically screaming, "BUT WHERE'S MY MONEY? I NEED IT ASAP" There's also people who call the day after they deposit a cheque and basically beg for it to clear because their bills are otherwise hosed. A lot of Canadians live paycheque to paycheque- even the people with high incomes. They basically go from paycheque deposit to zero balance/overdrawn in a constant, bi-weekly cycle. Meanwhile, they have Starbucks every day and eat at upscale restaurants at least twice a week. It's bonkers.
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Aug 28, 2015 15:02
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I'd be mad too if I were planning to make a big purchase. HSBC is really good at accepting money from drug cartels, not so good about depositing funds into accounts in a timely manner, it seems.
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Aug 28, 2015 16:39
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Doccykins posted:Lots of BWM today from both HSBC and their irate customers not having any kind of emergency fund in case they don't get paid the day before a 3 day weekend http://www.bbc.co.uk/news/business-34084767 Well personally, I have a checking account that's bills only, generally doesn't have too much of a cushion, that everything autowithdraws from. I keep an eye on it, but if I were say, going on holiday and I had automatic payments get declined. They would certainly have no problem charging me a metric asston of fees were it my fault, why shouldn't they pay for loving up?
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Aug 28, 2015 20:56
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Gold and a Pager posted:And the final bit of the saga with the BWM teacher. We told him that we were releasing him from his contract as of the end of September and he sends this response: homie was leveraged 4X
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Aug 28, 2015 21:24
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Gold and a Pager posted:And the final bit of the saga with the BWM teacher. We told him that we were releasing him from his contract as of the end of September and he sends this response: Such a terrible response from the guy. Basically you don't burn your bridges or give up your day job unless you are reasonably secure. It sounds like he's a few bad trades away from eating garbage.
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Aug 28, 2015 22:47
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Devian666 posted:Such a terrible response from the guy. Basically you don't burn your bridges or give up your day job unless you are reasonably secure. It sounds like he's a few bad trades away from eating garbage. Or a lost job away from losing his visa...
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Aug 28, 2015 22:53
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