|
Sic Semper Goon posted:I call it now, yes. It's been going for 14 years so far. Call of Duty: Black Ops 9 - Northwest Indian War
|
#
¿
May 4, 2017 06:28
|
|
|
|
| # ¿ Apr 24, 2024 23:47 |
|
|
Sic Semper Goon posted:Call of Battlefield XXXIII: Brothers of Heroes. Brothers of Heroes brings a fresh take on the Modern Warfare franchise by introducing Ted MacTavish, Soap's younger underachieving brother. Marvel at the cutting edge graphics as you battle your way through a terse and uncomfortable Thanksgiving dinner in the MacTavish household. Players can truly affect their world by choosing responses to events such as "are you ever going to marry that nice girl, what was her name, Karen?" and "your brother is off protecting our country, and you still work at Best Buy. When are you going to get off your rear end and DO something with your life, son?" Citing recent events, some players have objected to the level, "no American" taking place in a busy airport when an overbooked flight requires you choose between taking an airline voucher or risk being involuntarily denied boarding. This level is now optional.
|
|
#
¿
May 4, 2017 06:59
|
|
|
BarbarianElephant posted:Self-employed people can have big ups and downs. He might make $200k one year, $50k the next. He might be nervous about upgrading his lifestyle to $200k and then next year not being able to pay the mortgage. Of course we don't know what the tax return looked like, (or frankly what kind of online business the guy runs) but I'm curious if he's bringing in $227k a year or if his business is bringing in $227k a year (which, depending on the corporate form of his business may be reported on his personal income tax). Assuming that's business income, then he also had to pay for the costs of running the business (software, advertising, hosting, possibly employees/contractors, financing business debt if he took out a loan), both halves of his payroll tax, self employment tax (covering his social security and medicare), federal and state income taxes, etc. For all we know, he grossed $227k and netted $27k, or even less. Maybe the guy is a tightwad. Or maybe he's putting every dime back into his business and has very little money to spend on himself. Point is, these two sorely need to have an open and honest discussion about their finances and future goals together. Though I think it'll be hard to start that conversation with "so I was
|
|
#
¿
Jun 6, 2017 22:47
|
|
|
That isn't even how bonding works. If you have a $5,000 bail you pay a bondsman usually 10% and they keep your $500 and put up $5,000. So he only needs $500. If you're putting up the full $5,000 in cash then you don't need a bondsman.
|
|
#
¿
Jun 25, 2017 04:51
|
|
|
Suspicious Lump posted:I assumed this was 4.5h return. No, no. This is 4.5h ONE WAY. Holy poo poo quote:To put into perspective we live 4.5 hrs away from work (back and forth every day) and the work was driving related during the work day. On top of that every one day off a week we would travel for see something new ( before things turned sour money wise) driving a lot was our lifestyle for a while. It is possible. I originally read that as 4.5 hours round trip but unimaginably it was each way. That's so mindbogglingly dumb I can't believe the guy isn't making it up. How the hell would this guy even have time to work? Dumbass posted:It was 4.5 each way...and there are no year round jobs around which you need to be able to rent, seasonal only. 4.5 hrs was to the closest 12$ /hr job. So yea, it was pretty dismal. For reference, NYC to Annapolis, Maryland is apparently 3.5 hours. It will almost get you to NYC to Woodstock, Vermont.. if it were mostly highway, it's the equivalent of living in San Antonio and commuting to Dallas every day (probably more like this if you consider he put 100k miles on his car in 6 months). For the princely sum of $12/hr. Edit: Looking at it a different way, assuming work started at 8am and stopped at 5:oo pm, then he'd be leaving the house for work at 3:30am and getting back around 9:30pm every single working day. Frankly, I'd be impressed if someone with this schedule decided to spend their free time driving, or basically doing anything but being comatose on the weekend. GamingHyena fucked around with this message at 05:53 on Jun 30, 2017 |
|
#
¿
Jun 30, 2017 05:47
|
|
|
That Ponzi scheme return doesn't even make sense. If the guy was getting 10% returns per month, then he's doubling his money roughly every 7 months. Not only would the traider not need your money, if that was the case he wouldn't WANT your money. The more money he had to "invest," the more he would quickly become the market for bitcoins and be unable to profit off of whatever magic trading differences existed to allow him such crazy returns in the first place. Maybe he bamboozled them with some fancy arbitrage scheme or--quote:The way he was trading was supposably safe, by making safe, non risky trades. The concept of buying in bulk for cheap, selling in low quantity for higher prices. Oh. So commodity markets are like going to Costco to buy pickles. The more you buy at once, the less you pay! 
|
|
#
¿
Jul 2, 2017 19:51
|
|
|
Leon Trotsky 2012 posted:- Has x ever expressed interest in overthrowing the United States government? I assume for the CIA the correct answer is "no, not the United States government" 
|
|
#
¿
Jul 6, 2017 05:11
|
|
|
Enos Cabell posted:She said bank account, not that 50k was the totality of their retirement savings. Which is the second stupidest thing in her post, who leaves >50k sitting in a bank account? Not her husband.
|
|
#
¿
Jul 15, 2017 03:03
|
|
|
omnibobb posted:To be fair to her parents, she moved and started dating a drug dealer. It's true, I have a lot of friends in politics, but they wouldn't be friendly very long if they knew my business was antiques instead of gambling, which they regard as a – a harmless vice. But antiques is a dirty business. It makes, it doesn't make any difference to me what a man does for a living, understand. But your business is, uh, a little dangerous.
|
|
#
¿
Jul 16, 2017 20:25
|
|
|
canyoneer posted:https://np.reddit.com/r/legaladvice/comments/6nmol7/az_tn_can_a_tenant_decide_rent_is_considered_paid/ I decree with my legal training that everyone involved in a terrible person. -Don't practice in AZ but the lease expired so you probably have an ongoing month to month tenancy. I'm sure AZ has some version of a notice to vacate Dad can serve DIL with X number of days notice. Will probably need to evict because she sounds crazy. -Dad needs to figure out that DIL isn't ever going to pay him a dime and cut his losses. -DIL sounds insufferable based on that pseudo legal letter and spousal abuse. -Son sounds insufferable based on spousal/stove abuse. What the hell are they even doing to all these appliances? -There's an excellent chance the insurance Dad has on the house is his standard homeowner's insurance instead of landlord insurance for a rental property. They probably aren't going to be happy to learn about this situation. -Insurance companies aren't Judge Judy. If it's not specifically covered in the agreement then they're not paying. Even if it is covered in the agreement they still might not pay. They're definitely not paying a third party in some surprise landlord-tenant relationship they just found out about. -Landlord's insurance typically covers the building, not the tenant's stuff. That's why tenants need renter's insurance.
|
|
#
¿
Jul 18, 2017 01:52
|
|
|
Ixian posted:"Look, I'm not stupid. I wasn't going to give the random handy-massage place my CC so I found an ATM. Luckily there was one right next door. Why did my careful planning lead to ruin?" Unless Mom and Girlfriend are both obsessively combing through his bank statements, I have a feeling that nobody would ever know about the ATM charge until tells absolutely everyone to make sure they know he didn't get a happy ending in Thailand. Mom: "Hey sweetie, how was your-" Manchild: "DON'T LET THE ATM RECEIPT FOOL YOU MOM I DEFINITELY DID NOT GET A PROSTITUTE IN THAILAND. OH GOD DID I SAY PROSTITUTE I MEANT HANDJOB. I DIDN'T GET EITHER ONE I'M A GOOD BOY WHY ARE YOU LOOKING AT ME LIKE THAT?" Mom: "Um...well I-" Manchild: "DON'T BELIEVE ME? WELL HOW CAN YOU DISPUTE THIS SECURITY FOOTAGE I PULLED FROM A SEEDY ATM IN THAILAND SHOWING ME NOT GET $185 TO PAY FOR THE SERVICES OF A SEX WORKER?" Mom: "Honey I don't want to know-" Manchild: "HOW INNOCENT YOUR SON IS? HERE SIT DOWN THE FOOTAGE IS ONLY SIX HOURS."
|
|
#
¿
Jul 18, 2017 17:34
|
|
|
BENGHAZI 2 posted:Also Campaign for North Africa literally has a rule that says Italian troops must be allocated one additional unit of water each Better yet, apparently your troops fall to pieces without their pasta which would be a hilarious way to lose the game. quote:Furthermore, Italian battalions not receiving their Pasta Point that have a Cohesion Level of -10 or worse immediately become Disorganized, as if they had reached -26. As soon as such units get their Pasta Point,they regain the original cohesion level(i.e., the level they had before they disintegrated.)
|
|
#
¿
Jul 22, 2017 00:34
|
|
|
Motronic posted:32m currently 2 months behind on mortgage, ~$10k cc debt.... in need of some advice Assuming we use his 4 week month calculation: Income: $2,600/mo Expenses without mortgage: Credit Card Debt Minimums: $320 Cell: $200 Car: $980/mo (car note, gas @ $240/mo, insurance) Utilities: $330 (utilities @$60/mo, electric, cable) Total: $1,830 That leaves $770 a month to pay a $1,300 mortgage and also money to eat/survive on a family of four. He might break even with his bonuses but he's just assuming he'll get a $3,000 every quarter and no idea how much the bonuses will actually be. The obvious answer is the ditch the house and downgrade the car but no one will ever do that so I guess he can just borrow his way out of debt.
|
|
#
¿
Jul 23, 2017 19:14
|
|
|
AreWeDrunkYet posted:Then he used his tax refund to get it back to $900/month. None of it makes a ton of sense. If you have an escrow shortage you typically have the option to make a payment to cover it or 12 monthly payments, so him using his tax refund to cover part of it might make sense. As for the massive shortfall (at least relative to the previous year) it's possible the mortgage servicer hosed up and wasn't including his homeowner's insurance or taxes at all in the previous year and this represents the shortfall from that. Motronic posted:I think I'm going to have to vote for: this person has no idea what they are talking about and the "facts" presented are wrong. This is also very likely.
|
|
#
¿
Jul 23, 2017 20:34
|
|
|
There is zero chance that truck ever goes off the road.
|
|
#
¿
Aug 1, 2017 14:41
|
|
|
antiga posted:The F-22 is a monster and the USAF are nuts for canceling production as early as they did. That being said I'm surprised the truck publicity stunt wasn't tied to a new product e.g. F-35... Who wants a truck that might suffocate you to death?
|
|
#
¿
Aug 1, 2017 14:58
|
|
|
ohgodwhat posted:Why do people with no money say they're ready to pursue their passions? Do they think other people aren't pursuing their passions because they're just not ready for it yet? ohgodwhat posted:Why do people with no money say they're ready to pursue their passions? Do they think other people aren't pursuing their passions because they're just not ready for it yet? It might have something to do with the $280 they spend on weed every month. Christ, they spend over $600/mo on weed and cigarettes. HOW COULD WE POSSIBLY GET OUT OF THIS FINANCIAL HOLE?
|
|
#
¿
Aug 9, 2017 20:12
|
|
|
Haifisch posted:
Most of her posts are some variation of "yes I understand smoking weed is killing our finances but how much can we spend on
|
|
#
¿
Aug 9, 2017 22:57
|
|
|
Suspicious Lump posted:To be fair on the guy: According to him they lived together for two years (dated for 3), he didn't tell her he even had a job opportunity in another country. I think calling her bonkers because she tried to find out what happened to her missing boyfriend is a bit much. "Huh, my live in boyfriend of two years just disappeared one day with no warning. Don't want to be a bitch and find out if he's dead or not so I won't ask any of his friends/family what happened to him ." -A normal girlfriend, apparently
|
|
#
¿
Aug 23, 2017 01:40
|
|
|
You wouldn't put 10% of your net worth into Zimbabwe Dollars because "the technology behind the printing press is extremely solid." Buying bitcoins is placing a long term bet that bitcoins and not some other crypocurrency will be more valuable in the future than it is now. The fact that it keeps appreciating in value when there's virtually no legitimate stores to spend this currency is what makes it such a stupidly risky speculative bet. It worked for this one guy but he's smart to cash out now before the bubble bursts.
|
|
#
¿
Sep 4, 2017 23:59
|
|
|
Zo posted:that's an asinine comparison and i can't tell if you're dumb or trolling, so i'll spell it out for you. it is not possible to make more bitcoins on demand (or at all, once the built in cap is reached), where as it is possible for both zimbabwe dollars and zimbabwe dollar printing presses. You miss the point of the example. When you buy a bitcoin your are betting that a BITCOIN (and only a bitcoin) will increase in value. Not some other crypto currency, not the technology behind cryptocurrencies, but Bitcoin. The technology behind Bitcoins is irrelevant to its value in the same way the printing press technology has nothing to do with the value of USD versus ZWL. So if you were to speculate on bitcoin because "the technology is extremely solid" that is a silly reason because the technology has nothing to do with whether it or some other cryptocurrency will become more or less valuable in the future.
|
|
#
¿
Sep 5, 2017 00:13
|
|
|
Folly posted:I don't believe it. Earning more than $200k per year and having home/auto business deductions and depreciation should get you to yellow at least. I don't use TurboTax anymore but it wouldn't surprise me if that was true. The guy was (likely) a sole proprietor with hundreds of thousands in Schedule C expenses. Which means that not only was he running one of the most tax inefficient entities you can get but also one of the highest audit risks imaginable (because his deductions would reduce his tax rate so much). Leon Trotsky 2012 posted:There's no way that this guy didn't know what he was doing. The thing is that he DID get caught before because he got audited when he tried to write off his loving divorce as a business expense. He' s just an idiot.
|
|
#
¿
Sep 15, 2017 00:06
|
|
|
quote:These live cam sites are sites where you pay like 9 bucks a minute to tell a person on the cam what to do. So he said he would spend HOURS on there every night and that he's blown 5k a night on them before. Of course I didn't find any of this out until he called me in a panic realizing he was out of money. I don't know if this is porn or not, but I'm having a hard time imagining what I'd pay to watch someone do at $540/hour for over 9 hours.
|
|
#
¿
Sep 20, 2017 01:50
|
|
|
Panfilo posted:The cynic in me says that if the kid loses most of it, the Uncle will settle for half of what's left (better than nothing) but if the kid makes bank the Uncle will suddenly claim its all his. Look at how bonkers people get with inheritances and lottery winnings; I wouldn't trust this guy's word without a legal document/lawyer or something. What possible benefit would that scheme be for the uncle? It was originally the uncle's money to begin with so if he wanted to invest it and reap 100% of the returns he could already do that without involving his teenage nephew. Is uncle so hard up for stock tips that he doesn't think he could invest better than a teenager with no financial experience whatsoever? What the uncle is doing has to be for the benefit of the nephew because frankly the uncle is taking a big risk the kid does something stupid with uncle's money.
|
|
#
¿
Oct 11, 2017 07:33
|
|
|
The sad part about it all is that it sounds like he fell into the classic traps of small businesses - lack of adequate capital and no business plan. With virtually no money when he opened he had no margin of error to ride through the tough months (there's always tough months) or handle unexpected problems. There's no mention of advertising or any sort of plan to drive customers to his business, and since he spent his time robbing Peter to pay Paul he never had the cash or time to make a long term plan for profitability. Even when he had customers he had mispriced his food to the point he continued to lose money because everything was too cheap. These are all crippling problems for a new business, but not unexpected ones if you have a plan. I can't really root for him to fail but he seems naive as gently caress about almost every aspect of running a restaurant. Unfortunately, a lot of people get suckered into this "entrepreneur economy" dream where they'll come up with some idea/business that's going to make them a ton of money without any appreciation of the risks and time involved. The fact is that starting up a small business is super stressful and even when it's profitable it will take up a massive amount of time compared to a regular job. There's a lot more "staying up until 1 a.m. calculating payroll" and less "hanging out with your buds and rifle like some sort of low rent Hemmingway." Suspicious Lump posted:The guy is BWM even in his early days Because he never seemed to understand throughout this whole thing that having a good product or service means nothing if your price isn't profitable.
|
|
#
¿
Nov 6, 2017 07:31
|
|
|
OctaviusBeaver posted:https://www.reddit.com/r/investing/comments/7g8it2/advice_to_a_college_student_who_lost_2500_on_one/ Here's a friendly tip for the new investor - try looking at a company's stock chart before  Yes, give this man your money. Give this man all of your money.
|
|
#
¿
Nov 29, 2017 07:22
|
|
|
Devian666 posted:BWM having a median net worth of $8. This is the worst type of BWM. Could someone enlighten me as to why things are so terrible in Boston? Looking at the report, probably a mixture of being unbanked, the historical fallout of decades of redlining, and the resulting lack of wealth from compounding returns that whites enjoy.
|
|
#
¿
Dec 14, 2017 03:36
|
|
|
If she's the executrix of the estate, why not just close the dad's current account and open a new one? I can't imagine any bank honoring a draft for over $800k on a closed account.
|
|
#
¿
Dec 14, 2017 23:24
|
|
|
Suspicious Lump posted:This sounds like BWM but it's not that bad: Of course, their "gain" isn't really a gain since there's no way to liquidate anything even approaching $700m worth of bitcoin since that would crater the price. I suspect the actual amount you'd end up getting if you sold 120,000 bitcoin on the exchanges would be far less than that amount (assuming you didn't take several exchanges down with you by trying to transfer that much cash out).
|
|
#
¿
Jan 18, 2018 08:08
|
|
|
Pryor on Fire posted:No that is not how FDIC works there is no coverage for coinbase or anything related to coinbase No, he's right. FDIC pass through insurance insures your coinbase account if the bank fails. Of course, insurance against bank failures is nice but hardly the major risk. The big risk on a cryptocurrency exchange is that the exchange fails and your $100,000 USD "account" is now just a debt against coinbase should when they declare bankruptcy. FDIC insurance will do you no good should this happen.
|
|
#
¿
Feb 5, 2018 06:56
|
|
|
H110Hawk posted:Couple sells everything to sail the world, boat sinks on day 2 Ultimately GWM because they sank their boat within rescue distance rather than in open water where their deaths would have significantly reduced their future earning potential. The fact they had no sailing experience and are starting out in the Caribbean means this voyage was basically Suicide By Boat.
|
|
#
¿
Feb 13, 2018 20:05
|
|
|
Rotten Red Rod posted:I love how he seems to think IRA is a guy or a company or something. "I have a friend who was forced to work other few extra years because IRA messed up so badly." Since they no longer rob banks and went semi legit IRA has been a terrible investment.
|
|
#
¿
Apr 13, 2018 21:41
|
|
|
quote:Although I've passed the gateway age of 59½ when funds can be withdrawn without penalty, I'm still working full tilt in the highest tax bracket of 37%. That means every dollar drawn from my pension plan today would yield only 63 cents. It's like holding the keys to a brand-new Mercedes, knowing the moment you drive off the lot it becomes a used Saturn with rust buildup and worn brake pads. There wasn't a 37% tax rate in 2017 so I wonder how much you'd need to make in 2018. code:
|
|
#
¿
Apr 14, 2018 04:00
|
|
|
werdnam posted:Ugh. We need a new mattress and I was thinking of going online. Now I don't know who is left worth buying from. Capitalism sucks sometimes. Yeah I don't know why the invisible hand of the market chose mattresses of all things to slather in a heaping level of marketing bullshit to the point that comparison shopping in virtually impossible. It really seems like which series of rectangular layers of cloth and foam will work for sleeping would have really been a problem humanity had solved by now. "Here are a dozen mattresses that look and feel almost identical aside from the buzzwords we put on the sign and the number of zeros on the price. And of course I assume you'll be wanting the nanotech memory foam sleep topper with a multizone mattress core AT A MINIMUM if you want proper back support. I can show you one without it but you might as well be sleeping on a granite slab like a caveman."
|
|
#
¿
May 13, 2018 05:39
|
|
|
If they can’t even afford slip fees, is there any plan on how they’re going to pay for anything even assuming they don’t promptly sink this boat too? Food? Fuel? Spare parts? Do they know how to fix a marine diesel engine in open water? Do they still plan on using 2 year old charts when those same outdated charts caused them to sink their boat after two days? Also I assume they’re just along for the ride temporarily but 5 people and 3 dogs on a 36 ft sailboat for a multi day trip sounds like hell. The cabin would be fine for 2 people but you’ve likely got one small bed and a built in couch. Probably one compost toilet and a tiny galley. Maybe 100 gallons of water. They won’t be dying of dysentery or anything but it doesn’t sound like a fun voyage. Either you’re hot bunking or some lucky person gets to experience why sailors didn’t enjoy “sleeping under the stars.” GamingHyena fucked around with this message at 17:17 on May 23, 2018 |
|
#
¿
May 23, 2018 17:05
|
|
|
You just got $75,000 in free money. Would it kill you to spend $300 on a CPA who can help you avoid prison for tax fraud?
|
|
#
¿
May 24, 2018 06:07
|
|
|
Haifisch posted:"But I don't have any expenses other than my phone payment! I can totally make this work! (Because my parents are paying everything else)" What do you want to bet the recent college grad's student loans are in deferred and not calculated in his $22/mo monthly cost? I don't want to go all "millennials and their avocado toast!" but shouldn't living with your parents in your mid twenties be a problem you are working to solve rather than a free ticket to finance a sweet ride?
|
|
#
¿
May 28, 2018 00:24
|
|
|
quote:So I kind of feel like my life is ruined at 26, but I would really like to start over if I could. Maybe I could try out wholesaling in the bay area and rapidly pay everything off if that goes well, or I could make it big with a good software pitch or something. This guy is always going to be a mark because he's perpetually chasing get rich quick schemes. He's paying $2,000 in rent, a $1,300 car payment and $1,900 in servicing his house flipping debt. The only decent advice he got was "don't try and flip houses with other people's money and start small." His next thought is "maybe I'll flip homes in the Bay area."
|
|
#
¿
May 28, 2018 08:04
|
|
|
Carl Killer Miller posted:I hope that this is tangential enough to not eat a probation. How is that even possible? That's over $86,000 a day. Was it held on the moon or something?
|
|
#
¿
May 29, 2018 06:43
|
|
|
|
| # ¿ Apr 24, 2024 23:47 |
|
|
I'm more interested in how he's only spending $450/ month on every other non-truck expense in his life combined including rent. Imagine living a monastic lifestyle because you love your rock-climbing truck and the places it can take you (on top of rocks, presumably).
|
|
#
¿
Jun 14, 2018 01:33
|
|