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Virtue
Jan 7, 2009

More importantly how terrible do you have to be to not get a match with any program? And yes I know the stigma of Caribbean grads is those who got rejected in the states

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Virtue
Jan 7, 2009

Edit: Ignore this post. Didn't realize the guy was from Canada

Virtue fucked around with this message at 05:41 on May 2, 2017

Virtue
Jan 7, 2009


I'm really confused. Whats going on here?

Edit: not the jizz, the part about the house

Virtue fucked around with this message at 22:49 on May 8, 2017

Virtue
Jan 7, 2009

Elephanthead posted:

I thought is was against merchant rules to charge more for taking a credit card?

I really don't think so.

Virtue
Jan 7, 2009

Guest2553 posted:

I guess I could have provided context - Canada is in a speculative real estate bubble fueled by easy credit and chickenshit politicians who can't threaten their voter base's ~house values~. Toronto specifically is up something stupid like 30% y/y, so the 'buy now or never' mantra means people are getting into bidding wars over rat traps with no conditions. It's to the point where real estate is the largest contributor to GDP before even counting in related industries like construction and finance. A lot of discretionary spending comes from paper gain HELOCs.

This dude is experiencing buyer's regret after doing the rough equivalent of buying a pre-fab condo on an interest only NINJA loan in Miami circa Q3 2006, but in a recourse-mortgage area. Between taxes, interest, penalties, fees, etc the dude will likely be out maybe 100k between the emotional buy and emotional sell. If he's lucky a greater fool will come along to bail him out and mitigate his losses, if he's not then lol.

e. pricing it out because why not - lost costs would be 3% CMHC fee (25.5k), 5% realtor fee (42.5k), a few months interest as a mortgage breaking penalty (5-10k depending on lender if he can sell it before rates rise next month), land transfer fees (26k between provincial and municipal up front, though some will be rebatable as a first time buyer). Dude needs to sell now for +100k to break even, ignoring property taxes/insurance/maintenance.

I wasn't aware the Canadian bubble was this bad. Very interesting stuff. I still don't get what changed so suddenly between buying the house and whenever the dude decided he wanted out.

Virtue
Jan 7, 2009

monster on a stick posted:

Maybe the ywas "house poor" and realized that they couldn't afford to even pay the mortgage?

Seems like something you would realize during the process of getting the mortgage though

Virtue
Jan 7, 2009

Tiny Brontosaurus posted:

It definitely happens. I knew a girl who counter-offered with a ten percent bump, was asked to step outside so they could confer, and when they brought her back in they rescinded her offer. If you are young, a minority, or female you're supposed to take whatever they give you and be grateful for it. It's more important to some companies to hold the line on never giving in to "greedy" applicants than to not miss out on a first choice hire.

Why did you decide to inject race and gender into the discussion?

Virtue
Jan 7, 2009

Inept posted:

A horse of course

This doesn't seem BMW to me. Most doctors excluding pcp could light money on fire for kindling during the winter months and still be fine. Not paying off the loans immediately is probably BMW but par for the course as far as doctors go. Wasting money on a hobby you can afford, not so much.

Virtue
Jan 7, 2009

A prior employer of mine had a vanguard employee come in once a year and yell for half an hour about how a match is free money.

Last I heard the participation was in the 70s.

Virtue
Jan 7, 2009

Jeffrey of YOSPOS posted:

It's essential in the, like, "having the essence of" sense, not the "non-optional" sense.

Gonna take a wild guess and say most people who use them believe it's the latter and not the former

Virtue
Jan 7, 2009

Frankly I'm not sure if Ivanka Trump product placement will generate any positive ROI. Might be more reasonable to buy it for your competitors product

Virtue
Jan 7, 2009

Being head honcho is great while everything is going right but not so much when things go wrong. I don't think many of the self proclaimed future CEO college kids consider the latter possibility.

Virtue
Jan 7, 2009

Droo posted:

That guy is 25 and apparently both he and his girlfriend live with the mom, have no intention of moving out, and don't pay for their own car / cell phone / etc. I kind of think the mom has a point about the money.

An acquaintance of mine is in this situation despite having a decent job because he can't afford to move out to a "safe neighborhood."

Plot twist: had lunch with him recently and found out he makes way more then I thought (think ~100k vs ~50k). He just stuffs massive amounts of money into index funds / retirement accounts and lives like a pauper.

BWM? I feel bad for the parents in either case but I remember them being helicoptery so maybe they prefer it that way.

Virtue
Jan 7, 2009

Pretend I posted a bird here.

Virtue
Jan 7, 2009

The prices of sandwiches and soups has gotten out of control

Virtue
Jan 7, 2009

Hmm, this ethereum thing sounds like a nifty retirement plan. Brb cashing out my 401k

Virtue
Jan 7, 2009

baquerd posted:

Dude at work invested 2k in ethereum a while back. Now it's worth 250k on paper. Is he selling? You know the answer already.

If the Bay Area has taught me anything it's that the right move is always to dump money into a product that has programming in it.

Virtue
Jan 7, 2009

Humble brag posts are old and boring

And before someone jumps down my throat about the salary/mortgage ratio, if his dad is sitting on 250k liquid he can probably do whatever he wants and be fine. If anything it's more of a dad wants the property for investment reasons but will let junior pretend to buy it and be his own man.

Virtue fucked around with this message at 22:46 on Jun 26, 2017

Virtue
Jan 7, 2009

But really there's only one race: the human race.

Virtue
Jan 7, 2009

I think there's a Louis ck bit about doing something similar with a rental car.

Virtue
Jan 7, 2009

Coca Koala posted:

I actually know a guy who spent a summer commuting eight hours a day, four in the morning and four to get home. His wasn't QUITE this bad, because he was driving to a bus stop and then doing a bunch of bus and train transfers, so he had time to read and relax instead of spending eight hours driving, but it was insane. One of his coworkers observed that he was working a full time job in order to get to his full time job, and the guy shrugged.

He was living in Pennsylvania with his parents and commuting to NYC. After three months, HR managed to convince him that he should just take a day off of work, look at a bunch of apartments, move somewhere closer, and file it all as relocation expenses that would get reimbursed by the company.

Finding an apartment in one day in NYC? Now I know this story is made up.

Virtue
Jan 7, 2009

Pompous Rhombus posted:

Link to the Reddit post


I'm getting more than a whiff of bitcoin here.

I struggle to think of something else that fits the description besides cryptocurrency. Come to think of it I don't even think I could get cash out of my savings account in under 24 hours without going to a physical location.

Virtue
Jan 7, 2009

It's really easy to talk yourself into loans as a good investment. College marketing departments earn their salaries

Virtue
Jan 7, 2009

As far as stable jobs you could certainly do a lot worse.

Virtue
Jan 7, 2009

lostleaf posted:

I don't understand this. What kind of school just let you replace your F's?

Pretty common I think? If you retake the class and pay the tuition twice of course

Virtue
Jan 7, 2009

Solice Kirsk posted:

I loved that thread.

Link?

Virtue
Jan 7, 2009

curufinor posted:

30 kids in my 11th grade linear algebra class. I keep up with like 15 of them. Of the 15, 6 use that poo poo in day to day life, including myself

so you just need to go to like the 30th best school in the nation to see real use out of that hmm

e: lol balancing a checkbook like it's 1999
e, futher: lol the task of making a budget is way the gently caress easier with 10k/mo takehome rather than 3k/mo takehome hmm

A great post made even greater by the edits

Virtue
Jan 7, 2009

How do you spend 8.3k a month in living expenses? Inb4 someone says renting a bay area trashcan

Virtue
Jan 7, 2009

curufinor posted:

Dad found a 20% off deal on fugu sushi, and apparently the chef does the tiny tiny piece of liver thing

Discounts on fugu: gwm, bwl

You only live once

Virtue
Jan 7, 2009

I know I could google this but I'm lazy. Did mcdonalds pre populate those fields? Some of them seem wonky

Virtue
Jan 7, 2009

OctaviusBeaver posted:

BWM: buying a house in Canada



What does this look like if you compare the bubble areas (Toronto and SF)

Virtue
Jan 7, 2009

Foma posted:

You shouldn't use your work phone to call an escort service, but why the hell would/should an employer care?

Morality clause?

Virtue
Jan 7, 2009

ego symphonic posted:

Lots of schools recruit pretty young students to show the players around as part of the recruitment process and undoubtedly some of them also sleep with the players they're showing around. No athletic department would ever explicitly instruct them to do so, if only for fear of liability, but its not unreasonable to assume that's the intent of the whole process.

Clearly I visited the wrong colleges

Virtue
Jan 7, 2009

Or mental illness

Virtue
Jan 7, 2009

canyoneer posted:

https://www.kfclimited.com/ProductDetail.aspx?did=28027&pid=224147&logoid=0
For $76 you can buy a FRIED CHICKEN USA sweatshirt.

They've sold enough of them that they are on backorder

This belongs in the GWM thread

Virtue
Jan 7, 2009

If i had a meteorite I would incubate it so the aliens could grow

Virtue
Jan 7, 2009

When you get hired at a car dealership do they teach you how to screw people using predatory loan terms?

Virtue
Jan 7, 2009

Endodontists make boatloads of money. Easy to talk yourself into loans for that kind of career prospects

Virtue
Jan 7, 2009

We need more marginal tax brackets. They should start above whenever my current income is

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Virtue
Jan 7, 2009

monster on a stick posted:

I'm legit glad this person got dismissed from medical school, "crippling procrastination" does not sound like a good quality in a doctor.

Failing out of med school is quite a feat. Literally the 1%

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