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What the hell do your politics have to do with bfc?
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| # ? Jan 12, 2013 00:09 |
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| # ? May 23, 2013 04:40 |
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El_Elegante posted:What the hell do your politics have to do with bfc? There are also many socially conscious people who wish to avoid mutual funds that include companies they see as morally wrong to support (oil companies, banks, alcohol or cigarette companies, etc). If you are the kind of person who boycotts stores for their position on gay rights, you might not want to own shares of that company, even indirectly through an index fund. It's hard to do, though, and there's little impact, so most people simply ignore it as trivial. Some can't get over that, kinda the same way some people don't want to kill spiders. Although I don't share their views, I can certainly understand their arguments for not wanting to follow the "normal" way of investing. And it does make it hard to participate in some kinds of discussions surrounding finance.
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| # ? Jan 12, 2013 00:27 |
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Ah, I mistook Tuyop's post as being somewhat political (BFC will just tell you to bootstrap harder!), and I was responding to that, my bad. Anyway, I usually spend most of my time reading Newbie Finance and the Long Term Investing thread, besides that I check in every once and awhile to see if there's a new BFC superstar in the making. So whether you are actually in need of advice or just want to watch someone struggle day by day with crippling debt for cheap laughs then BFC is definitely worth a visit. Orange_Lazarus fucked around with this message at Jan 12, 2013 around 00:53 |
| # ? Jan 12, 2013 00:50 |
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Financial Tip of the Day: You're going to start receiving a bunch of tax stuff if you haven't already. On your computer, create a folder for your 2012 tax stuff and start putting everything electronic in there. Similarly, get a manila folder and label it 2012 Taxes or whatever and start collecting all your paper forms in there. It might be super simple for you with only a couple forms if you're young and don't have many accounts, but it's still a good habit to get into.
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| # ? Jan 12, 2013 00:54 |
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Orange_Lazarus posted:Ah, I mistook Tuyop's post as being somewhat political (BFC will just tell you to bootstrap harder!), and I was responding to that, my bad. No no, literally the only way to get out of debt is to spend less and/or earn more. Hopefully you can do both, but if you can't do the former, doing the latter will never be enough. In my case, for instance. Somehow I overspent on a 10k per year income, then 20k, then 32k in university, and then when I made more than 50k I was STILL somehow completely broke shortly after every pay. BFC has helped open my eyes to the ridiculous debt treadmill of hedonic adaptation that I've been on and consequently, after some growing pains, my quality of life hasn't suffered at all while my financial future looks brighter by the day!
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| # ? Jan 12, 2013 01:14 |
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I bought a house with BFC's help and now, three years later, I'm still happily helping others to understand why they shouldn't buy a house! Come read the BFC house buying thread and then don't buy a house. Just in case that wasn't clear: The BFC Housebuying thread: DO NEVER BUY. If you insist on buying a house, we will help you to mitigate this poor decision by reducing the ways in which you gently caress it up.
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| # ? Jan 12, 2013 02:08 |
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Yeah, unfortunately I didn't discover SA (and thereby BFC) until I had already purchased my home. Even if I had it may have still taken a bit of convincing to make me realize that even though I was getting an 8k tax credit for a foreclosure it still wasn't a good deal and that renting would have definitely been a better choice.
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| # ? Jan 12, 2013 03:23 |
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Dang, a lot of debt racked up in 2012. It's all pretty necessary except for the $2k~ on my credit card due to having a really awful month.  Taxes are up next, that's going to be fun! Mortgage and home improvement loans and car charity donation and 1099 forms and and 
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| # ? Jan 13, 2013 06:10 |
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The credit help and debt collection threads in BFC really did change my life.
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| # ? Jan 13, 2013 07:46 |
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https://www.coursera.org/course/financialplanning That's a course on personal financing that starts tomorrow if anybody is interested.
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| # ? Jan 13, 2013 13:45 |
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If people could just realise the wings.
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| # ? Jan 13, 2013 23:31 |
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Uh do people actually get transferable college credit for those free online classes? gently caress I would take a few listed on that site just for fun.
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| # ? Jan 14, 2013 13:36 |
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Orange_Lazarus posted:Uh do people actually get transferable college credit for those free online classes? gently caress I would take a few listed on that site just for fun. No, they're pretty much just for self improvement.
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| # ? Jan 14, 2013 14:22 |
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What about if you have some money and you wait until you have a 7x combo before depositing it. Do you still have to pay taxes on the bonus cash even if you don't actually get it until the end of the level? Also how do I build my combo multiplier in real life?
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| # ? Jan 14, 2013 21:21 |
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You pay taxes on the money whenever the combo gains are distributed to your bank account at the end of the level, not before. You build your combo multiplier a number of different ways, including: starting your ROTH early, upgrading your skills through education and self-learning, and taking the secret pathway that moves you from lower to higher income brackets. This last one is hard to do, but it can be accomplished by networking, salary negotiation, and job-hopping. If you pick the wrong talent build, don't worry; you can always reroll even though it sometimes means starting over at a lower skill level.
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| # ? Jan 14, 2013 21:32 |
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^^I wouldn't be surprised if this is some special thing that rich people get to do with their money.
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| # ? Jan 14, 2013 21:43 |
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Orange_Lazarus posted:^^I wouldn't be surprised if this is some special thing that rich people get to do with their money. I think they call it "freedom".
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| # ? Jan 14, 2013 22:00 |
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One man's freedom is another man's nepotism. I finally got a good job at age 32, but it took my brother to get me in the front door. I've always lived within my means, but if I lived in a silly country like USA without universal health care I'd be in big trouble (and so would my family).
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| # ? Jan 15, 2013 13:39 |
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Yeah, for many healthcare is just this thing that can save you a lot of money if something bad happens to you and for some of us (including myself) having healthcare is the difference between being functional on a daily basis. I went 7-8 years of my adult life without it and I wouldn't wish that upon anyone.
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| # ? Jan 15, 2013 16:09 |
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Man I saw that link to the erotica fiction thing and was hoping for some total goon horror show and started to pine for helldump again. Turns out its just a thread of people making money off writing books, not much wierder than the average E/N thread. 
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| # ? Jan 15, 2013 16:43 |
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Up until a few weeks ago, I thought BFC was a subforum for rich jerks with a lot of money. I was mostly right, but reading through the threads in there really kicked me into gear. I read through the entire Zuarg thread last week (have there been any updates since it was closed? I want to know how he's doing), and it motivated me to move some money around and be credit card debt free for the first time in 8 years. I recommend this subforum and all the helpful advice in it.
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| # ? Jan 15, 2013 18:37 |
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There was a second thread (a year later I think) that was an even bigger failure it ended with a second accident baby on the way. It had sort of a "Of Mice and Men" feel to it because for awhile it looked like things might actually work out, but deep down you knew, especially if you read the prequel that there would be no happy ending.
Orange_Lazarus fucked around with this message at Jan 15, 2013 around 20:13 |
| # ? Jan 15, 2013 20:08 |
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I took the BFC debt diet plan for three years and now look at me! I burned $24k in debt off and kept it off! If it can work for me, it can work for you! edit: oh no don't talk about zaurg, I'm gonna get all sad. 
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| # ? Jan 16, 2013 00:30 |
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Holy gently caress what a moron. I invested so much time reading that thread. I felt like I had begun to know him, and I wanted to slap him with every post he made. Please tell me the second thread is goldmined. edit: haha, gassed. After finishing the first thread, I had that feeling you get after finishing a long book. Now I feel like I just found out there's a sequel. I want to read your thread too CH, but it doesn't sound like you're as massive of a gently caress up as Zuarg. monsieur fatso fucked around with this message at Jan 16, 2013 around 00:58 |
| # ? Jan 16, 2013 00:45 |
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monsieur fatso posted:Holy gently caress what a moron. I invested so much time reading that thread. I felt like I had begun to know him, and I wanted to slap him with every post he made. Please tell me the second thread is goldmined. edit: haha, gassed. CH's thread is a great successful car epic. It's so good, I read every post.
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| # ? Jan 16, 2013 01:56 |
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I still feel bad for Zaurg. I am a softie, and for a moment in the second thread he appeared to grow a pair. But that was until he went along with his psycho wife's plans to get pregnant which would necessitate the need for a house they couldn't afford, and perhaps more Honda products. http://forums.somethingawful.com/sh...hreadid=3470495 Some of us lead by example, some of us are warnings about what to never do.
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| # ? Jan 16, 2013 02:13 |
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Just wanted to say the extremely helpful "gently caress debt collectors" post got me started on the road to financial stability years ago, and today I am a budgeting motherfucker who has grabbed his credit score by the balls and bumped it up 80 points in a year. I didn't even realize there was a whole forum for this stuff now - everyone should read this stuff. Thanks dudes.
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| # ? Jan 16, 2013 16:14 |
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I want to thank BFC. I never posted there once but I lurked the rewards credit card thread and got onto two great cards that work really well with each other (Amex Blue cash preferred, Chase freedom) and I save a lot of money that way. Also its never too early to start investing for retirement. EVERY BIT HELPS.
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| # ? Jan 16, 2013 20:09 |
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Zeta Taskforce posted:I still feel bad for Zaurg. I am a softie, and for a moment in the second thread he appeared to grow a pair. But that was until he went along with his psycho wife's plans to get pregnant which would necessitate the need for a house they couldn't afford, and perhaps more Honda products. I still feel that he was an amazing troll rather than a true story. He was terrific at getting people's hopes up at doing the right thing, and dashing them at the peak of everyone's expectations. Obviously, some things were real since he posted pictures, but I think all the really important stuff we only had him as a source. I mean, no one is that dumb, are they? 
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| # ? Jan 16, 2013 21:13 |
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clockworx posted:I still feel that he was an amazing troll rather than a true story. He was terrific at getting people's hopes up at doing the right thing, and dashing them at the peak of everyone's expectations. Obviously, some things were real since he posted pictures, but I think all the really important stuff we only had him as a source. Clinically depressed people do crazy things. I think he was just coming out of it when he did a complete 180.
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| # ? Jan 16, 2013 21:16 |
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clockworx posted:I mean, no one is that dumb, are they? This came up all the time in the thread. Although none of us will know for sure, I am almost 100% confident he was not a troll. First, dumb isn't the right word. He isn't dumb, but if I had to pick one word it would be "whipped". He displays signs of clinical depression and I don't think anyone could make up such an elaborate story and stick to it as long as he did. But enough about him. If you don't feel like starting your own thread and have quick questions, this thread is a good catch all place. http://forums.somethingawful.com/sh...hreadid=3256838
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| # ? Jan 16, 2013 21:45 |
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I think if he was a troll he would have let us in on the joke before the threads were locked, revealing in the end that he was really a finance guru all along and was just teaching us all valuable life lessons through his bumbling character. Sometimes I had to remind myself that Zaurg and Zwife were really just the stereotypical debt-ridden/consumption loving Americans, they just seemed odd to us penny pinching Internet forum loving weirdos. I am right to think that is how most Americans live right? I've known a lot of people in my life (especially right after the financial collapse) who lost everything they had because they went too far into debt and had to start over with almost nothing at 50+.
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| # ? Jan 17, 2013 00:25 |
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I think it's a combo of some stupidity, but combined with so many lending institutions/bankers/mortgage brokers who will tell you that can in fact you can take out massive, ungainly loans and mortgages and of course you can afford them. Almost every interview I've seen with people who lost everything when the housing bubble burst and the economy went in the shitter talked about how their bank or mortgage specialist swore up and down that they could afford million+ loans even though they were a waitress or low paid office worker. These people were definitely dumb to believe them, but when a person in authority who's in charge of the money says you can afford it, many, many people are going to trust in that.
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| # ? Jan 17, 2013 01:02 |
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Nocheez posted:Clinically depressed people do crazy things. I think he was just coming out of it when he did a complete 180. Zaurg wanted help, desperately. His wife wanted help too, I think. But his wife was very materialistic (and seemingly came from a materialistic family, so she felt she had to keep up appearances) and in the end Zaurg was a very non-confrontational character. She always had her way, which was to buy things instead of paying off the debt they had. She was content to tread water if it meant keeping up appearances and buying things that she wanted. Nevermind that they were a single large expense away from financial ruin at any given time.
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| # ? Jan 17, 2013 04:22 |
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I'm still of the opinion that CornHolio created zaurg once he fixed his poo poo to keep us BFC goons entertained. FAKE EDIT: ^^ Thanks, by the way.
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| # ? Jan 17, 2013 15:25 |
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I've always considered them the Goofus and Gallant of BFC. "Cornholio meets his entertainment budget! Zaurg goes to football games and goes further into debt.." I typically recommend "The Millionaire Next Door" to people who are just beginning to really think about money. This book gets a lot of props in BFC (Why don't we have a BFC book thread?) and it was the first finance book I ever read which really got me into appreciating frugality. I'm really not into Ramsey, but people seem to like his books too, especially for people struggling with debt. Orange_Lazarus fucked around with this message at Jan 17, 2013 around 16:47 |
| # ? Jan 17, 2013 16:45 |
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Orange_Lazarus posted:I've always considered them the Goofus and Gallant of BFC. "Cornholio meets his entertainment budget! Zaurg goes to football games and goes further into debt.." Your Money or Your Life was really powerful for me. I recommend it constantly.
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| # ? Jan 18, 2013 00:11 |
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Pillowpants was also a major BFC success story, although he didn't really have the dumb attitudes that CH and zaurg had.Awkward Davies posted:Jesus Christ. I just skipped through that thread. So depressing. I'm making a budget right now, just so I can do my best not to be zaurg.
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| # ? Jan 20, 2013 04:42 |
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Cicero posted:Pillowpants was also a major BFC success story, although he didn't really have the dumb attitudes that CH and zaurg had. Or the one-armed guy with the crazy back tattoo, whatever his name was.
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| # ? Jan 20, 2013 05:03 |
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| # ? May 23, 2013 04:40 |
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CornHolio posted:Or the one-armed guy with the crazy back tattoo, whatever his name was. abunchofnumbers/backpather. Leperflesh posted:I bought a house with BFC's help and now, three years later, I'm still happily helping others to understand why they shouldn't buy a house! I wish I had this thread back in 2008.
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| # ? Jan 20, 2013 06:10 |
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