Bad With Money 2018: When I die, bury me in the blockchain.

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad With Money 2018: When I die, bury me in the blockchain.

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feller: Jul 5, 2006

AA is for Quitters posted:

I get free life insurance for me and pay 3.83/ paycheck for a 100k policy for my husband.

Our health insurance is awesome too, but I'm sticking with Medicaid as long as I can. (Which is Oct)

Working retail for a major company that actually treats their employees decent is gwm

I think you missed what this thread is for

# ¿ May 25, 2017 13:39

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# ¿ Apr 20, 2024 06:46

feller: Jul 5, 2006

John Smith posted:

Your dad sucks. It was his brother's dying wish and he couldn't be bothered to follow through. Considering that she is literally (mildly) retarded.

Zo posted:

lol you're mildly retarded as well looks like

# ¿ May 30, 2017 18:13

feller: Jul 5, 2006

Residency Evil posted:

TBH getting in to/going to MIT changed my life. A+, would do it again.

I'm going to try my best to be one of those terrible helicopter parents that many of my classmates had.

How is this thread so hard for people

# ¿ Jun 2, 2017 03:47

feller: Jul 5, 2006

LLCoolJD posted:

http://www.latimes.com/politics/ess...-htmlstory.html

LLCoolJD posted:

An outspoken liberal friend of mine recently posted a "rich get richer" envy article railing against the benefits homeowners receive through the mortgage interest tax deduction. The article featured hard-up Americans who had to rent and who lacked the "wealth" to buy a home and the benefits that come with it.

Of their limited number of examples, one was a janitor with four kids and a stay-at-home wife. Another was an ex-con with a robbery conviction.

I respect the trolling but dude this thread has enough politics derails as it is

# ¿ Jun 2, 2017 20:07

feller: Jul 5, 2006

AreWeDrunkYet posted:

In which case she gives the money back and is out a bit of embarrassment and time, while he gains nothing. I can't imagine she would give him his cut before the buyer confirmed everything was in order - what is the angle here?

Is it impossible that it's just a weird guy with dollhouses who's making excuses to spend more time with some young girl he met at a bar?

He's asking for her ssn

# ¿ Jun 10, 2017 16:59

feller: Jul 5, 2006

crazypeltast52 posted:

The article makes no mention of changing the interest rate, so I'm not sure what exactly the bank gets by keeping their capital in this specific mortgage versus being able to deploy it elsewhere.

1600 from the government plus the house when borrowers end up not paying what hey actually had to

# ¿ Jun 15, 2017 18:30

feller: Jul 5, 2006

Ixian posted:

This is all interesting, and not bad information to have, but it still doesn't really explain, at all, why this person has 70k in "medical bills" on their CC. Unless they have a terminal or near-terminal disease - which I am guessing probably would have been mentioned - there are few reasons why that was the only route to take even with the poo poo state of healthcare for 40k/under people in the US.

Granted, we don't have all the info. If it was a sick kid and the mom just wanted to make sure they had the best care possible without thinking through the consequences it's easy to be sympathetic (for that matter, bankruptcy will come in handy in that situation). If "medical" = I wanted invisalign braces and a large TV to help me tune out every time I get a new set and my teeth hurt" then...less so. We don't know. The whole thing just seems like a bunch of lovely decisions and bad circumstances rolled up in one.

You keep bringing up TVs. Do you know something we don't? Also large TVs are like a thousand bucks and clearly not the primary or even a large cause of a 70k cc debt you weirdo

And since the author of that post specifically edited it away from medical work to medical bills explicitly to counteract assumptions like braces... I'm going to assume it wasn't those either. I think you may need to make up some other stuff to moralize about.

feller fucked around with this message at 04:00 on Jun 21, 2017

# ¿ Jun 21, 2017 03:55

feller: Jul 5, 2006

cowofwar posted:

The contribution of human groups to civilization was greater on the coasts where food was plentiful in a static location than compared with nomadic tribes in the interior that had to expend much more time and energy tracking food.

Hunter gatherers could and often did stay in one location

# ¿ Jun 23, 2017 21:23

feller: Jul 5, 2006

Ixian posted:

BWM thread: We're gonna argue prehistory cultures like we read Snow Crash for the first time to make a point.

Substitute "Guns, Germs and Steel" for "Snow Crash" if you like.

You're right this thread was much better when you were talking about 70k TVs

# ¿ Jun 24, 2017 05:34

feller: Jul 5, 2006

KYOON GRIFFEY JR posted:

It may very well be sound advice but what kind of idiot expects a sixteen year old to listen to sound advice

What's the alternative here

# ¿ Jul 4, 2017 15:45

feller: Jul 5, 2006

Zo posted:

since you're such a fan of the ignore button please start using it

I'm just trying to clarify the thread rules with our new mod here

Nah you're being a dumbass

# ¿ Aug 22, 2017 04:21

feller: Jul 5, 2006

Fil5000 posted:

Oh! Hadn't seen that change. I just switched jobs at the end of the last tax year from just under the 30k to significantly over, but evidently I timed it perfectly to avoid the higher rate.

Congratulations

# ¿ Aug 25, 2017 15:05

feller: Jul 5, 2006

Foma posted:

You know College has costs even if the government is paying for it, right?

You just blew my mind bro

# ¿ Aug 26, 2017 17:45

feller: Jul 5, 2006

Randler posted:

My BWM story is about a bunch of guys who spent a lot of money on gaming PCs and then only use their high-end processors and graphic cards to render single window of Chrome in which they post about posting.

Talking about yourself is still against thread rules

# ¿ Sep 1, 2017 18:28

feller: Jul 5, 2006

captkirk posted:

My brother is a veritable fountain of BWM:

He regularly pays $30 2 or 3 times a month for 500 minutes on his cellphone, when if he would just pay $45 once he would have unlimited minutes for the month.

He let his power get cut off because he didn't want to pay his bill and now spends more than double what he did on food since he has to eat out or from gas stations.

He has stuck with his crazy girlfriend who got him arrested on a Saturday night by claiming domestic abuse and he had post $500 bail so he could make it out in time for work on Monday

He stuck with his crazy girlfriend between the arrest and his trial for the domestic. She continued living with him despite having a restraining order. He spent another weekend in jail when she got pissed and called the cops on him for violating the restraining order and he missed out on more work.

When he got a $5k workman's comp settlement he bought a beater car and then almost immediately took a title loan out on it and blew all this money.

He put his crazy girlfriend on the title with him for the car. After they paid off the previous title loan, she apparently took out another one without telling him. He now regularly has to hit people up for money to make his payments.

When he eventually went to jail for the mentioned domestic, he bought insurance so he could get out on work release only to learn that he didn't qualify for work release because he hadn't been at his new job for 6 months.

He started renting an apartment from his boss and then started getting delinquent on rent. Eventually his boss just started taking his paychecks directly to cover back rent.

When my brother got sick of that, he quit his job and went to go work under the table for a different guy. His landlord/ex-boss then served him with a 5 day notice to pay back rent.

He's now been a sufficient dick to family members when borrowing money that people are starting to completely cut him off.

The holiest of molies

# ¿ Sep 1, 2017 19:24

feller: Jul 5, 2006

ate all the Oreos posted:

Which **** wallet is it, because there really aren't very many that have continued to exist since 2012 that haven't had all the bitcoins disappear or w/e

Why would you even ask this

# ¿ Sep 2, 2017 23:14

feller: Jul 5, 2006

Fil5000 posted:

She doesn't seem very fly AT ALL.

# ¿ Sep 17, 2017 17:58

feller: Jul 5, 2006

ohgodwhat posted:

We're talking about US expats, not the average global citizen. Do you think 100k is a massive amount of money for them?

yes and also get over it

# ¿ Sep 18, 2017 02:59

feller: Jul 5, 2006

il serpente cosmico posted:

Correct me if I'm wrong, but aren't exchanges the only practical way to store and buy bitcoins? And since this is the case, don't people treat them as de-facto banks? If a de-facto bank needs to go Ponzi to fund withdrawals, then that seems like a problem to me.

Isn't it just buy and sell orders and not the actual exchange buying your bitcoins?

# ¿ Sep 21, 2017 20:44

feller: Jul 5, 2006

Vox Nihili posted:

Goons.

heh haha good poo poo "my dude"

# ¿ Oct 4, 2017 02:02

feller: Jul 5, 2006

Motronic posted:

In TYOOL 2017 you have to be super lovely to make less than that. It's pretty much the only reason to touch computers professionally (and making less than 6 figures is your hint that you suck at it and should do something else).

please don't troll or sincerely post stupid things in the bwm thread

feller fucked around with this message at 03:00 on Oct 12, 2017

# ¿ Oct 12, 2017 02:57

feller: Jul 5, 2006

Motronic posted:

Good point. I've only worked both coasts. I've let my own bias into that statement big time.

You all get to berate me for my callousness now.

(no really, I get that statement was tone deaf)

I genuinely appreciate that you have the intelligence/humility to realize you were wrong

# ¿ Oct 12, 2017 03:51

feller: Jul 5, 2006

John Smith posted:

Even though I completely oppose these people, I am not blaming them for that.

My point was that pr0zac is stupid to issue orders to Moneyball, when he has no means to coerce Moneyball into obedience. How the hell is he going to enforce his will on Moneyball?

He was using moneyballs words against him not actually telling him not to post anymore. Please gain a little self awareness before talking about forums enemies in the future.

# ¿ Oct 13, 2017 18:19

feller: Jul 5, 2006

Hoodwinker posted:

Huh I always assumed it was a sub-forum of MMO HMO despite literally posting there (the WoWgoons sub-forum) for like 8 years myself. Shows how much I pay attention to these dead gay forums.

It was, but then diablo 3 came out and they made the blizzard subforum and moved it under there.

# ¿ Oct 20, 2017 14:34

feller: Jul 5, 2006

Phanatic posted:

No, they're pretty standard because the financing arm is owned by the vehicle manufacturer and they want to sell cars. You're not getting a loan from a bank who wants to make money on a loan, you're getting a loan from someone who wants to move a specific model of car to meet sales goals or get some cars off the lot. If the interest were baked into the sale price that would just inflate the sale price over competing products, even for people who don't qualify for the 0% loan, which wouldn't make a lot of sense to do.

Being able to get a lower rate on a car loan from the car company than from a bank is also a pretty common thing.

It's when they forget that the finance arm exists to sell cars and not the other way around that we get problems (and also a real good online bank).

# ¿ Oct 27, 2017 00:21

feller: Jul 5, 2006

Zo posted:

your brain must be broken, saying that there's a shop in australia selling $19 smashed avocados is not a "counter argument", that's just fact

actually they're all discounted now after the article so whose brain is broken now???

# ¿ Nov 2, 2017 04:53

feller: Jul 5, 2006

BigDave posted:

Since the House of Saud is undergoing a minor coup d'etat and bleeding money into a Yemenese civil war, prices might start heading back up.

I don't follow the logic here. They'll cut back on production due to the above coup and costly war?

# ¿ Nov 19, 2017 04:06

feller: Jul 5, 2006

Hoodwinker posted:

Cognitive biases are a very real thing and you're a big dumb idiot if you don't see how it relates to being BWM.

Lighten up, Francis.

# ¿ Dec 4, 2017 20:22

feller: Jul 5, 2006

werdnam posted:

This woman's smug bootstraps platitude makes me irrationally angry. You mean, all it takes to pay off a massive debt is to have your parent hire you at an above market salary, gift you a six-figure asset that you can turn into passive income, and let you live rent-free (and probably feed you too)?

If I can do it anyone can, my rear end.

It gets better

Duscat posted:

i did some ~independent research~ and unless there are multiple people with the same name in joliet, illinois, her mom's nonprofit is a little personal project that runs a couple of halfway houses for veterans.

in 2013, the last year i found records for, it had an income of $287,410, of which a cool $117,688 went to officers' compensation, and the only officer listed at the time was the mom. that was before the mom hired her daughter as an (additional?) operations manager

so in fact her student loans were ACTUALLY paid by people who were donating to homeless vets

not sure if posting the link would count as doxxing, since she's in the news now

# ¿ Dec 7, 2017 01:54

feller: Jul 5, 2006

Jeffrey of YOSPOS posted:

You can yell this at anyone, anywhere. You are free now.

Get off my property

# ¿ Dec 11, 2017 22:27

feller: Jul 5, 2006

Please no one take the bait. It�s really good bait I know but don�t take it!

# ¿ Dec 14, 2017 16:24

feller: Jul 5, 2006

Pompous Rhombus posted:

President gets additional benefits that push compensation above $400k -- $50k expense account, $100k travel account, and $19k entertainment account.

Also I hear rent is pretty reasonable

# ¿ Dec 20, 2017 21:25

feller: Jul 5, 2006

kimbo305 posted:

Still got that humblebrag touch.

# ¿ Dec 23, 2017 22:22

feller: Jul 5, 2006

Rick Rickshaw posted:

He has been this far in the hole before. He actually is getting a fairly significant raise, so he should be able to pay me back, but it will definitely take him at least a few months.

Once he pays me back, I am going to tell him I'm done being his interest free bank, and he will have to leave if he goes in the hole again.

He has a negative net worth and mine is a couple hundred grand, so none of this feels very material to me honestly. Just good for a laugh. I save $3000 monthly so him owing me $3k is not a huge deal.

Maybe spend some of that money on a literacy class

# ¿ Dec 31, 2017 23:32

feller: Jul 5, 2006

SpelledBackwards posted:

How much did capital letters cost? I see you only smuggled one in for Casablanca.

Grandpa?

# ¿ Jan 2, 2018 06:11

feller: Jul 5, 2006

potatoducks posted:

I don't really care about proper grammar but that poo poo is just hard to read. Like purposefully bad.

(S)he is grieving over bob's death. Please have some dang sympathy.

# ¿ Jan 2, 2018 19:37

feller: Jul 5, 2006

Phanatic posted:

The car's going to depreciate anyway, no matter what you do with it, so if you're going to count depreciation as a flat hit against wages then you should also account for the fact that a lot of an Uber driver's expenses are deductible ones. When you started at $16/hour and wound up at $6/hour did you include deductions for depreciation, loan interest, registration fees, gas, maintenance, insurance, parking fees, etc?

(NB: Assuming driving is pretty much a full-time job, if you're just doing it here and there your deductions for that stuff would be pretty minimal and you'd probably be better off just taking the standard mileage deduction.

No way does gas and maintenance run $5-$9 per hour, no way.

I can't imagine someone driving for Uber is going to be able to deduct anywhere close to 12k, including everything you just mentioned.

# ¿ Jan 3, 2018 01:09

feller: Jul 5, 2006

Harry posted:

I work in the apartment industry in Texas. The standard lease (TAA) does state 24 hour notice. And when I say standard lease, I mean what every apartment complex uses. A complex can opt to remove that though. HDD 91 must be dealing with a private landlord who added his own thing. If so, don't agree to something you don't like.

Nope. If you owe money to the complex and don't pay it, it will show on your credit if they report it. Nobody cares if you break a lease. If you plan on not paying, you just lease a place first.

You're telling me landlords don't care if you broke lease at your previous place? Really?

# ¿ Jan 5, 2018 06:05

feller: Jul 5, 2006

totalnewbie posted:

80k AUD is more like 62k USD, and living costs in Aus are higher than the US.

But he's insistent on a plan with a personal, uncollateralized loan, which is stupid because those interest rates are going to be massive compared to his car loan (though probably less than his CC and payday loan). He should just sell the car, pay off those two loans, and re-evaluate, especially if he's going to be taking on a child.

Sorry for my ignorance, can he sell the car without repaying the car loan?

# ¿ Jan 6, 2018 01:43

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# ¿ Apr 20, 2024 06:46

feller: Jul 5, 2006

I�ve had a weed stock since high school

# ¿ Jan 9, 2018 18:14

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad With Money 2018: When I die, bury me in the blockchain.

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