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Parallax Scroll posted:how does that make sense It doesn't make sense and CJacobs is a retard. If that was the question then every respondent would say they would borrow/sell something or be unable to pay it. It would be 100%, not 47% What the gently caress else could you do?
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Apr 21, 2016 23:17
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Parallax Scroll posted:how does that make sense VendaGoat posted:So wait. I really doubt 47% of the people asked don't have any savings to speak of. It just seems exaggerated to me, and what I assume is that it was phrased to get rid of "I already have the money" as an answer. I wish we could read what the questions were phrased as specifically but I skimmed the article and didn't see it anywhere. Chomp8645 posted:It doesn't make sense and CJacobs is a retard. If that was the question then every respondent would say they would borrow/sell something or be unable to pay it. It would be 100%, not 47% What the gently caress else could you do? I now realize the logical fallacy in the wording I chose in my post but I still really doubt that statistic isn't exaggerated.
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Apr 21, 2016 23:19
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I wake up in cold sweats if my bank account ever drops below six figures. including digits to the right of the decimal
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Apr 21, 2016 23:19
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CJacobs posted:I really doubt 47% of the people asked don't have any savings to speak of. It just seems exaggerated to me, and what I assume is that it was phrased to get rid of "I already have the money" as an answer. I wish we could read what the questions were phrased as specifically but I skimmed the article and didn't see it anywhere. How much are you worth, rich boy
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Apr 21, 2016 23:21
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CJacobs posted:I really doubt 47% of the people asked don't have any savings to speak of. It just seems exaggerated to me, and what I assume is that it was phrased to get rid of "I already have the money" as an answer. I wish we could read what the questions were phrased as specifically but I skimmed the article and didn't see it anywhere. I don't think you realize exactly how many people live paycheck to paycheck. Or maybe you don't understand what "paycheck to paycheck" actually means, rich boy.
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Apr 21, 2016 23:28
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To determine individuals’ preparedness for a smaller scale financial disruption, respondents are also asked how they would pay for a hypothetical emergency expense that would cost $400. Just over half (53 percent) report that they could fairly easily handle such an expense, paying for it entirely using cash, money currently in their checking/savings account, or on a credit card that they would pay in full at their next statement (referred to here as “cash or its functional equivalent”). The remaining 47 percent indicate that such an expense would be more challenging to handle. Specifically, respondents indicate that they simply could not cover the expense (14 percent); would sell something (10 percent); or would rely on one or more means of borrowing to pay for at least part of the expense, including paying with a credit card that they pay off over time (18 percent), borrowing from friends or family (13 percent), or using a payday loan (2 percent).... ...Respondents who indicate that they would pay the $400 expense exclusively using resources other than cash or its functional equivalent are also asked what the largest expense is that they could cover using cash on hand or money in their bank account. Thirtynine percent of these respondents report that the largest expense that they could cover using cash on hand is under $100. A further 16 percent indicate that they could only cover an expense between $100 and $200, and 22 percent could cover an expense between $200 and $400. The remaining 22 percent report that they could cover over a $400 expense— suggesting that for this subset of respondents, paying the $400 expense using other means reflects a preference of payment methods rather than a necessity. http://www.federalreserve.gov/econresdata/2014-report-economic-well-being-us-households-201505.pdf
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Apr 21, 2016 23:29
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It's so unfair, living in this day and age. It's not our fault, it's just life. *Hops into giant, shiny, US made car* *Checks iPhone (most recent model  ) for texts**Goes to work at Starbucks*
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Apr 21, 2016 23:34
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lol I got my iphone for "free" for signing up for a two year contract who the hell thinks iphones are a luxury item
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Apr 21, 2016 23:37
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I have no money I live paycheck to paycheck I don't have a cellphone This computer is ten years old Snoop dogg 2020
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Apr 22, 2016 00:05
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Professor Shark posted:lol I got my iphone for "free" for signing up for a two year contract Look at this poor person with a cell contract.
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Apr 22, 2016 00:34
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revmoo posted:Look at this
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Apr 22, 2016 00:35
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Professor Shark posted:lol I got my iphone for "free" for signing up for a two year contract Poors dont get offered contracts because they have lovely credit and probably wont pay
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Apr 22, 2016 00:46
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lol at the guy who wrote the piece. even though he's a writer he paid for private school for his kids and then paid for their expensive colleges too. at least he admits he's dumb
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Apr 22, 2016 00:51
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If Bernie is elected into office he will give money to the poors, which means they either won't be careful in traffic or they will actually have possessions.
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Apr 22, 2016 00:53
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EugeneJ posted:How much are you worth, rich boy Around $5 million. I am still one of the poorest people in my cohort because i quit to go back to school because i hated my job snd all my coworkers
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Apr 22, 2016 00:54
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Mange Mite posted:Around $5 million. I am still one of the poorest people in my cohort because i quit to go back to school because i hated my job snd all my coworkers What kind of milk do you drink?
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Apr 22, 2016 01:03
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Apr 22, 2016 01:05
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Im trying to imagine a life where im both a multimillionaire and still post on sa forums ... hrmm
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Apr 22, 2016 01:07
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thathonkey posted:Im trying to imagine a life where im both a multimillionaire and still post on sa forums ... hrmm Doesn't add up. Maybe a trust fund child in Let's Play.
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Apr 22, 2016 01:08
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gently caress the ROW posted:47%? So.. democrats? hilariously, it turned out that the 47% were the republicans in 2012 
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Apr 22, 2016 01:08
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thathonkey posted:Im trying to imagine a life where im both a multimillionaire and still post on sa forums ... hrmm It's ok, once you're a Billionaire, you're allowed to register again.
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Apr 22, 2016 01:08
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thathonkey posted:Im trying to imagine a life where im both a multimillionaire and still post on sa forums ... hrmm I think I'd pop in every once in a while between crashing cars and helicopter racing
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Apr 22, 2016 01:11
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Id pop in to post a random shot of my condo or fat hate thrrad probably youre right
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Apr 22, 2016 01:12
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Tectonis posted:Pull out a receipt from an ATM and sat "Wow, I need to move money into my IRA, I can't believe I have XXXX sitting in checking." Lol, you can only open an IRA if you make less than like 200k a year. That account's for the poor people too.
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Apr 22, 2016 01:28
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This just in: rich people lack empathy and humanity, are only good for eating.
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Apr 22, 2016 01:40
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thathonkey posted:Im trying to imagine a life where im both a multimillionaire and still post on sa forums ... hrmm It's just something to do.
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Apr 22, 2016 01:59
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VendaGoat posted:Hey ladies.... There are a lot of safe houses that could use that money to support women who are fleeing their abusive partners
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Apr 22, 2016 02:02
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Trickle down harder. Or give me grew stuff. gently caress everyone!
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Apr 22, 2016 02:02
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Wendigee posted:Trickle down harder. Or give me free stuff. gently caress everyone! *free
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Apr 22, 2016 02:06
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Wealthiest nation in the history of the world
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Apr 22, 2016 02:08
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Just suck some dick op jeez.
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Apr 22, 2016 02:15
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Pththya-lyi posted:There are a lot of safe houses that could use that money to support women who are fleeing their abusive partners Charity? What am I? A poor?!?! BWAHHAHAHAHHAHAHHAAHAHHAHHAHAHHAHH!
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Apr 22, 2016 02:34
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Chomp8645 posted:What the hell kind of weak rear end "emergency" is only going to cost $400 to solve anyway? Is this a joke? If anything that a regular human being would call an "emergency" occurs you are gonna need a lot more than four hundred god drat dollars. This only makes it even more hilarious tragic that such a figure is out of reach for so many. when I had a $1500 car from Craigslist there was a whole bunch of stuff that broke and cost less than $400 oxygen sensor died and tripped the check engine light so it wouldn't pass inspection until that got fixed power steering line rusted through and leaked all the fluid, that only cost $40 but it was loving terrible to drive when it was broken muffler rusted through and fell off (this happened twice) shithead neighbor kicked my tailpipe and broke the cat exhaust leak made it incredibly loud and probably unable to pass inspection (this happened three times but one time it was somehow able to pass inspection anyway) radiator hose clamp rusted through and puked out all the coolant and killed the thermostat if you live in the south where they don't have road salt or mandatory annual inspections you can get away with most of this, but in NY it's either fix your poo poo or risk getting a really expensive ticket and having to fix it anyway.
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Apr 22, 2016 03:40
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objects in mirror posted:Yea you can read this sprawling essay if you'd like but it says in the opening paragraph... I'll cover you, OP.
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Apr 22, 2016 04:26
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objects in mirror posted:47 percent of American consumers said that either they would cover the expense by borrowing or selling something, or they would not be able to come up with the $400 at all. 100% of American consumers are a pain in the hole
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Apr 22, 2016 04:30
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here's a crazy idea if ya don't like it leave!
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Apr 22, 2016 04:36
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CJacobs posted:I really doubt 47% of the people asked don't have any savings to speak of. It just seems exaggerated to me, and what I assume is that it was phrased to get rid of "I already have the money" as an answer. I wish we could read what the questions were phrased as specifically but I skimmed the article and didn't see it anywhere. Nah you're just an idiot. http://www.marketwatch.com/story/most-americans-have-less-than-1000-in-savings-2015-10-06 57% of Americans have less than 1000 in savings
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Apr 22, 2016 04:52
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lmao americans are poor pieces of trash *lights cigar with 100 dollar bill*
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Apr 22, 2016 05:37
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Abisteen posted:hilariously, it turned out that the 47% were the republicans in 2012 This will never not be funny to me.
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Apr 22, 2016 05:39
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VendaGoat posted:Your bookie wants paid. Must be pretty urgent if you don't even have time to type "to be."
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Apr 22, 2016 06:18
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