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CornHolio posted:I know I don't speak for everybody but I'd rather be poor than full of bullet holes. Really, CH? You really want to go there, man?
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Nov 3, 2011 04:03
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I could rag on you about emergency funds and all that but gently caress it, now's not the time. I hope you get better soon, mate. I know I'm a tough critic at times but I really do want to see you pull through. Hope you get better soon. As Zeta said, falling behind on anythign is a distant secondary to your health so concentrate on getting yourself fixed up in the short term then we can work through the consequences after. Stay strong, buddy!
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Nov 4, 2011 11:12
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Thanks for all the well wishes everyone, something good may come out of this though. I'm going to quit smoking once this carton is done because I really have no reason to anymore.
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Nov 4, 2011 13:02
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People growing up before our eyes ITT. Good on you for choosing to quit, I hope it goes well for you.
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Nov 4, 2011 13:31
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I'm going to quit shooting heroin once I'm out of needles!
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Nov 4, 2011 16:23
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But smoking makes you look so cool! But yeah, sorry to hear about your injury. It sounds horrible. 
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Nov 4, 2011 17:53
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Third Murderer posted:But smoking makes you look so cool! so does being a giant failure at my career. I'm sure I'll make that navy uniform look SO GOOD.
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Nov 4, 2011 21:55
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tuyop posted:so does being a giant failure at my career. I'm sure I'll make that navy uniform look SO GOOD. Dude, you didn't fail at your career, you got injured. Murhpy's law and all that, it's not fault of your own. People get tired, carry too much poo poo, whatever. poo poo happens. Don't go blaming yourself for breaking your back. And chin up, generally speaking when life screws you out of an opportunity something else opens up. Hang in there, it seems you've got BFC rooting for you. That doesn't happen too often.
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Nov 4, 2011 23:02
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Well, I feel bad about it but I've been on a bit of a bender here last week, but it's out of my system now. I think the damage, including Montreal, is about 400 dollars. Pretty dumb and immature but I can't sleep because of my back and being drunk seems to help that. It's medicinal beer! Also: I got audited. Somehow I owe 212 from the last two tax years. CRA wants this by the 28th. It's brutal because I don't know when or if I'm getting that extra money, I still haven't gotten paid from loving August for my field time. If you remember, I had a speeding ticket in August, well I got a court date to make a plea for it in January. So there's a chance I may never have to pay that 400 dollars. It's kind of personal, but I don't know, one of you may be an orthopaedic surgeon or something. My diagnosis is a lateral shift injury in my costovertebral complex causing tearing in the ligaments connecting my ribs and my spine. The doctor said that this would now be a thing that i've got to deal with periodically forever. Google doesn't seem to be much use so I was just wondering if anyone knew anything about this particular thing other than the fact that I should probably ask to see a specialist. Either way, I'm putting in a claim to disability for this, people get close to 30k for foot injuries all the time so who knows how much a back injury is worth. Silver lining, right? Quitting smoking begins today! I'm also going to create and post october's update once I figure the mess out this afternoon. I'm not excited, pretty sure I fell off the wagon really hard.
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Nov 14, 2011 13:15
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tuyop posted:I got audited. Somehow I owe 212 from the last two tax years. CRA wants this by the 28th. It's brutal because I don't know when or if I'm getting that extra money, I still haven't gotten paid from loving August for my field time. Easy, your emergency fu-- oh. Hopefully by the end of a few months of fuckups you'll finally warm to seeing why we say to do the things we say. Also, binging yourself in to debt? Stay fuckin' classy, Nam Taf fucked around with this message at 14:03 on Nov 14, 2011 |
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Nov 14, 2011 13:59
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I think the burning question is how does this injury affect your “gay for pay” prospects?
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Nov 14, 2011 17:32
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Zeta Taskforce posted:I think the burning question is how does this injury affect your “gay for pay” prospects? Well ten days of carbicide and nine weeks of grueling labour and poor diet have taken their toll for sure. And it's very hard to get swole again with this injury. I think it'll take two months once I can work out again. IF I decide to become a male camwhore to get out of debt.
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Nov 14, 2011 18:20
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tuyop posted:
Fixed that for ya.
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Nov 14, 2011 20:26
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Badger Pudding posted:Fixed that for ya. There’s nothing wrong with it, and he’s probably done more embarrassing things for free.
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Nov 14, 2011 21:01
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tuyop posted:Well, I feel bad about it but I've been on a bit of a bender here last week, but it's out of my system now. I think the damage, including Montreal, is about 400 dollars. Pretty dumb and immature but I can't sleep because of my back and being drunk seems to help that. It's medicinal beer! Dude, seriously? You're physically reamed through lovely luck and your response was to spend money to temporarily alleviate the situation? You could have picked up some melatonin or advil from costco to help you get some rest off the pain from your back. Would definitely cost you less than $40 altogether. Have you been keeping in contact with the military re: your injury and career?
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Nov 14, 2011 23:11
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quaint bucket posted:Dude, seriously? You're physically reamed through lovely luck and your response was to spend money to temporarily alleviate the situation? You could have picked up some melatonin or advil from costco to help you get some rest off the pain from your back. Would definitely cost you less than $40 altogether. Yeah, I have all the naproxen and ibuprofen a man could want. I even have some Flexeril and Norflex. It really doesn't do anything for the pain, especially after sleeping for about half an hour. I'm trying to see if the doctor can get me anything else for this. And yeah, I've been doing a bunch of paperwork, both for some kind of worker's comp for this and to get my career rolling. In both cases it's a matter of waiting for some vital piece of paperwork from someone higher up than me before I can actually start doing anything. I'm thinking five weeks before I get a meeting with a career placement officer and three to six before I can submit a claim for my back. This has also increased my minimum service time for some reason so I won't be able to get out until 2014 at the earliest. There are other things I can do as well, being an injured dude in the military. Apparently - and I have to make sure this is correct when I get there - the career placement officer can approve compensation for an entire Bachelor level degree part-time with no additional obligatory service requirements. I could do my BEd while I wait - or if I get a really cushy trade, while I work - for free! The only catch is that you pay for it first, then when you pass the course, you are reimbursed. The military offers loans at 3% for "self improvement", so I was thinking of taking one of those out, paying for two or three courses a semester with it, then paying it back once I get the claim back. These claims can take like six months to process, but I've had ones go through in the same day. Is this a terrible idea seeing as how it's actually taking on more debt? I just feel like it's a terrible thing to throw away a free* 12000 dollar degree or whatever a 1 year BEd is worth. The minimum payment, whatever it is, will also probably eat into my debt repayment schedule. * Minus interest.
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Nov 14, 2011 23:42
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In my opinion, taking a loan out for educational pursuit is considered as a Good Debt since you're investing in your future earnings and career. Find out if the interests kick in after the completion of the course or immediately once you've taken it out. Look into melatonin. I used to take it when I had difficulty sleeping due to stress. It's basically a supplement that helps your brain into a relax state. E: Double check if you would still get reimbursed for the cost of the courses even if you have a loan. I doubt the military would pull a dick move like that but check anyway. quaint bucket fucked around with this message at 23:52 on Nov 14, 2011 |
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Nov 14, 2011 23:49
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tuyop posted:There are other things I can do as well, being an injured dude in the military. Apparently - and I have to make sure this is correct when I get there - the career placement officer can approve compensation for an entire Bachelor level degree part-time with no additional obligatory service requirements. I could do my BEd while I wait - or if I get a really cushy trade, while I work - for free! The only catch is that you pay for it first, then when you pass the course, you are reimbursed. The military offers loans at 3% for "self improvement", so I was thinking of taking one of those out, paying for two or three courses a semester with it, then paying it back once I get the claim back. These claims can take like six months to process, but I've had ones go through in the same day. Is this a terrible idea seeing as how it's actually taking on more debt? I just feel like it's a terrible thing to throw away a free* 12000 dollar degree or whatever a 1 year BEd is worth. The minimum payment, whatever it is, will also probably eat into my debt repayment schedule. * Minus interest. 1. Where does that leave you career wise after you get this degree? I think the general rule of thumb is don't finance a degree for the sake of having a degree. Even if it's "free", if you have no idea what you will do with it, it's just a waste of time and interest payments. 2. Are you going to get a fat chunk of cash for your back?
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Nov 14, 2011 23:56
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tuyop posted:I just feel like it's a terrible thing to throw away a free* 12000 dollar degree or whatever a 1 year BEd is worth.
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Nov 15, 2011 00:06
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Ok, I'm not sure what the gently caress was up last month, but here's what I can figure out for October: Yeah, the Mastercard went up 129 dollars. I'm conscious of the balance and it'll be paid off when and if my pay goes back to normal and I get that fabled field pay and incidentals. But I hosed up. Income: 2453 Net income: 75 Categories (Spent/budgeted) Auto Payment: 375/375 Insurance: 202/202 Gas: 367/350 Tolls: 35 (Bridge toll pass for Halifax. I think I fill it twice a year) Total for Car: 980/927 Groceries: 46/250 Rent: 132.50/165 (???) Spending (ugh): 513.61/240 I don't even know how this happened! I'm a pretty big retard. Work poo poo: 222 Yeah, I hosed up real bad. Like... 547 dollars bad. I didn't make any big new purchases, just replacing poo poo that broke. Ultimately for no reason, too.
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Nov 15, 2011 00:15
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HookShot posted:I might be wrong here, but I'm pretty sure if you want to do a one-year BEd in Canada you need to have an existing bachelor's degree, otherwise it's a four year program. Yup, I have a BA. Wolfy posted:I think you want to look at two things here: 1. The BEd is something that I'm going to use to teach when I'm out of the military. The existing plan was to pay back debt and then save to pay for tuition/living so that I could get the degree and get a job as a high school teacher. This is something that I want to do very much. 2. I really don't know. People with plantar fasciitis, which is considered a "lesser" injury than a back injury, get in the vicinity of 30k payouts regularly. But like everything else right now, I don't know. There's a huge assessment process that I have to go through before I get any kind of payout. I'm confident that I have a case, but I'm also terribly unlucky so who knows. quaint bucket posted:In my opinion, taking a loan out for educational pursuit is considered as a Good Debt since you're investing in your future earnings and career. Yeah that's kind of what I thought too, even though I won't make any more money, just get a job that I like much more. The loan is just a line of credit with a very low interest rate, so the payments would be immediate. The problem is that I can't sleep in a position where my back doesn't spasm after an hour or so, and I just wake up with a huge adrenaline rush because it's very painful and scary and then I'm in pain, scared, and have to stretch out my back. I can't even have a cigarette to calm myself down anymore. Will do!
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Nov 15, 2011 00:25
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tuyop posted:Yup, I have a BA. Ah ok, cool, must have missed that in the OP 
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Nov 15, 2011 00:30
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tuyop posted:
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Nov 15, 2011 00:35
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tuyop, in July naively posted:Alright, so guys. Is the only way to develop some sort of minimal security to sell everything I own and start saving to sell the car? I don't get it. I'm going to have a fairly large (for me) balance in my chequing and savings accounts by the end of August. Reality, in November posted:Ouch I'm on long-term disability and I got hit with an audit.  Let that be a lesson to you, tuyop: Life is what happens while you're busy ignoring good advice.
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Nov 15, 2011 03:28
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I think it's a better lesson for everyone else who thinks they're invulnerable to things. Hell, I bought a house and one year later the DOJ shuts down poker sites and we move to Canada. Anything can happen, and it's good to plan for the worst while you hope for the best. This is another thing that was touched on in Elizabeth Warren's book - most people don't think about what they need to do if things go nuts, so when it happens they get hit even worse. Taking a few hours now to put together an "Oh poo poo" plan will save you lots of misery and stress if and when it actually happens.
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Nov 15, 2011 05:54
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tuyop posted:
I'm not a doctor, but tearing in a ligament is a sprain, so what you've got sounds like a costovertebral sprain of some degree (from a strain in the ligement to a tear all the way through). From looking around, unless there are complications of some sort it actually doesn't sound all that bad, although a quick skim of things make it sound like it could but doesn't necessarily lead to chronic injuries in the area. If it's just that with no further damage, it doesn't sound all that awful, although I suspect there's things that aren't coming through with your description. You should really talk to your doctor more, since you really don't sound like you're gotten enough information to make you feel comfortable with what your injury is. Get him to walk you through physically what has happened to your body, what you can expect in the near future as you go through the initial healing process and what the best case, average case and worst case are for the long run.
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Nov 15, 2011 06:24
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SubCrid TC posted:I'm not a doctor, but tearing in a ligament is a sprain, so what you've got sounds like a costovertebral sprain of some degree (from a strain in the ligement to a tear all the way through). From looking around, unless there are complications of some sort it actually doesn't sound all that bad, although a quick skim of things make it sound like it could but doesn't necessarily lead to chronic injuries in the area. I think the big one is the lateral shift injury, the sprain is just something that happens to me now because something is wrong there. I really don't know what a lateral shift injury is, and google really hasn't helped. I really do need to talk to my doctor. http://www.ncbi.nlm.nih.gov/pmc/articles/PMC2700497/ This seems similar, and sounds promising but I don't know why the gently caress they wouldn't have fixed me before if it can be fixed so easily. Either way, the injury happened last July, it took me 9 months to be able to really do anything at all again, and the second I did do anything more than just exercising, the symptoms returned much worse than before. So now I'm a WOG. And yeah, I really should have had an emergency fund.
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Nov 15, 2011 11:37
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I thought I was doing pretty well, socking away money and paying down extra on my home while also putting my wife through her BSN. She works currently, which is good news because I just found out my position is being moved to Ohio. There may be other openings here, but I'm pissed because I moved down from Ohio 7 years ago because my position there was being moved out to the field office locations. I thought I was in one of the most secure positions within the company, but I'm glad I wasn't living at my earning limit. Worst case scenario we should have enough money in savings to live for nearly 2 years on my wife's income alone. You're not alone in Bad poo poo Happening™, but this is why everyone says you need an emergency fund and to be prepared for the unknown. This is not necessarily for you Tuyop, but anyone reading this who thinks they are in an untouchable position. Nocheez fucked around with this message at 14:34 on Nov 15, 2011 |
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Nov 15, 2011 14:27
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More exciting unexpected expenses. Noticed a vibration at speed, turns out a wheel needs to be replaced. 65. While the wheel is off I had them check the brakes. Brakes are done and may start wearing into my rotors next week. 116. Good thing I drive a manual so I don't need my brakes!  Add that to the oil change. 55 New wheel. 65 Balancing. 45 And my maintenance budget is blown for.. Forever. This loving sucks. I was all pumped to start a DIY hydroponic window garden this weekend, but I totally can't take the fifty bucks right now. And now I have to hear the emergency fund taunts AGAIN. Good news is that I went to cosco and bought like 5 kilos of frozen vegetables and several pounds of meat so I don't need groceries for awhile. Still hate frozen veggies though. The problem is that I'm so used to eating raw vegetables that I can't stand cooked ones. but 2 kilos of broccoli for 4.50 is ridiculous. Edit: And I've been out of coffee filters for like two months, and I've been using a big thing of cheap paper towel I got on sale in August for coffee, but now I only have like one sheet of paper towel left. This is making me really sad for some reason! Edit 2: And my spatula just broke. I dropped it on the floor while I was making an omelet and it broke. What the gently caress. In case anyone cares, this is what an omelet flipped with a wooden spoon looks like.   And yes it's like half a stop underexposed but I don't care. tuyop fucked around with this message at 21:34 on Nov 18, 2011 |
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Nov 18, 2011 20:53
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tuyop posted:And now I have to hear the emergency fund taunts AGAIN. Goons may come off as smarmy or overbearing (I KNOW I've been unintentionally guilty of that in this thread), but they're never meant to taunt; more to plead. We love talking about the finer points of retirement savings vehicles, but how to shop for carrots so you don't overdraft? Not so much. And there's a few well-trodden steps for getting to that point.
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Nov 18, 2011 21:11
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<$300 for routine maintenance for a car is totally normal, of course. Honestly that's a fairly cheap trip to the mechanic. Brakes, oil, balancing, all wear items; the only bit that's weird is the wheel replacement (which honestly sounds totally bogus to me, unless you hit a pothole or curb really hard at some point) but that's a pretty cheap wheel so whatever.
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Nov 18, 2011 21:15
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Nah that wheel was legitimately hosed. My car has enough drivers that I really have no idea what may have been struck by that wheel. It's strange that it didn't shred the tire, but cars are weird sometimes. I'm just kind of upset that I can't replace the brake pads myself because my tools have been in storage for two years because that's how long I've been stuck here. And the mechanic treating me like an idiot. And I want a loving cigarette. I'll stop posting E/N stuff now.
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Nov 18, 2011 21:33
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tuyop posted:
What is this? I know life has hit you hard and I know this isn't the best time to throw money into the car so I don't want to pile on, but if this car thing didn't happen you were seriously going to blow $50 on what looks like a plastics tube? You are broke. I'm sorry you can't have nice things. But you can't. You can barely take care of the essentials. But go buy yourself some coffee filters. Last time I checked you could get about 700 of them at costco for about $3.00.
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Nov 18, 2011 22:55
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tuyop posted:In case anyone cares, this is what an omelet flipped with a wooden spoon looks like.
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Nov 18, 2011 23:25
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CuddleChunks posted:drat son, you so poor you can't even afford depth of field. One thing I do have is a nice big aperture.  Zeta Taskforce posted:What is this? I know life has hit you hard and I know this isn't the best time to throw money into the car so I don't want to pile on, but if this car thing didn't happen you were seriously going to blow $50 on what looks like a plastics tube? You are broke. I'm sorry you can't have nice things. But you can't. You can barely take care of the essentials. Actually I was going to build one. That thing is 100 bucks on kickstarter, but their site has pdf instructions on how to make one out of plastic bottles. The biggest cost is the air pump. I just really wanted to get some fresh chilies or something growing by my window.
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Nov 18, 2011 23:33
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Pretty sure three of my four wheels are bent. It's something I learned to live with long ago. Did you look to see if you could pick up a single used wheel anywhere? Craigslist is full of them usually. I passed on a full set of OEM wheels for my car for free because I have nowhere to store them and I didn't need them that bad (and of course someone got to them first anyway)
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Nov 19, 2011 17:43
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I remember buying some used steels (I've got my winters on so it's just a cheap black steel wheel) like six years ago for 35 each. This one was 60. The junk yard is about 15 in gas to get there and back, I didn't think it was worth it.
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Nov 19, 2011 19:42
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tuyop posted:Actually I was going to build one. That thing is 100 bucks on kickstarter, but their site has pdf instructions on how to make one out of plastic bottles. The biggest cost is the air pump. I just really wanted to get some fresh chilies or something growing by my window. That's what's called a 'luxury' and you can't afford it. You can go without freshly-grown chillies or whatever the gently caress for a year. Deal with it. You Are Broke You Can Not Have Nice Things (TM).
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Nov 20, 2011 03:58
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Tuyop should unironically run every purchase over $10 past this thread.
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Nov 20, 2011 07:18
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tuyop posted:I remember buying some used steels (I've got my winters on so it's just a cheap black steel wheel) like six years ago for 35 each. This one was 60. The junk yard is about 15 in gas to get there and back, I didn't think it was worth it. Ah, I missed the price of just the wheel. That isn't a bad price at all.
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Nov 20, 2011 15:18
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