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Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

canyoneer posted:



Presented without comment

I'll be honest, I thought this was for a fundraising/charity thing and the gift levels didn't seem outrageous at all. It wasn't until Moneyball's post that the thought of a wedding crossed my mind. I'm still not sure.

Sticking vegetarians in the $1k range is pretty funny though!

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Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
TL;DR: There are two completely different ways employers can calculate the withholding of tax on bonuses. One is hard to calculate, one is dead simple. Guess which one 99% of employers use?

Andy Dufresne fucked around with this message at 15:52 on Sep 22, 2020

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Those Christmas stats are just wild to me. I grew up with parents who had some means, but even our family of 5 apparently had a less than average Christmas spend. I have a toddler now and live in a yuppie neighborhood so I'm going to try to keep up the trend of being the holiday grinch.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
This economist hate circle is pretty weird. Economists know that people are broke and on drugs as well as anyone else, in fact they come up with plans to address those problems. But economists aren't politicians, they don't get to implement policy. By the time a law has passed it's gone through 50 links of the telephone game.

Andy Dufresne fucked around with this message at 13:42 on Sep 23, 2020

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

therobit posted:

If people can't buy poo poo or do poo poo then valuations will take a dump. I'll :toxx: and say the dow will drop below 20,000 at some point within the next 12 months.

We could experience a great depression level crisis without stocks tanking at all. All it takes is inflation.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

GoGoGadgetChris posted:

I'm just glad to have a 1.5x3" piece of paper with my SSN on it that was given to me at birth and can't be laminated that I need to preserve until I die

When I was an intern at Union Pacific railroad one of the tasks I was assigned was laminating new employee badges. So of course I used this cool machine to laminate my social security card. I felt real smart when I read the "Do not laminate" label.

Anyways, that was half a life ago and it's never been a problem. Joke's on y'all non-laminators

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
At the very least the first story made it clear that Trump should owe back that $73 million refund plus penalties and interest. He claimed that refund by rolling forward losses that were only eligible to be brought forward if he received nothing of value from his casino ventures, but he in fact received some stock.

Aside from that, I see his business structures as a way to slowly transfer the equity of his properties to his heirs in the most tax advantaged way possible, which also happens to screw creditors. He is transferring wealth to his children in exactly the same way his father did to him - NYT wrote that up 6 months or a year ago, and it was spelled out very clearly. Create businesses that charge exorbitant fees to the businesses to suck away any gains, leverage the properties to the tits.

Gift/estate taxes beyond the lifetime exemption get very steep very quick - 37% at $500k, 40% above a million. It's not at all weird to see him trying to avoid that, and it's not really tax evasion at this point because those taxes wouldn't be due yet.

However, his creditors will be extremely unhappy that Trump is sabotaging the value of their collateral.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
When I was a youngin' I remember working in retail near Christmas (actually fast food at a mall but whatever). I asked my boss if I could take a couple days off during the holidays and his response was "are you loving kidding me?"

Now I could play WoW while I work if I want. Life is unfair.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
I was just about to post that YouTube recommended me one of his videos before he was even mentioned in this thread, so there might be something there for him.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
In the TX suburbs I'm seeing more "natural" landscaping in back yards and HOA common areas with gravel and drought resistant shrubs. I wouldn't be surprised to see more of it in front yards 10 years from now. They're also using strains of grass that just aren't as thirsty. Tbh the cost/water usage/labor associated with a modern lawn aren't that big of a deal, irrigation and drainage is a pain but you need that for your foundation more than your landscaping.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
As someone who has attempted to grow some poo poo in a suburb let me just say that the rabbits will rob you loving blind. I can't even grow habaneros because they eat everything down to the stem.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
And they all need polo shirts!

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Just for fun thought experiment: all it takes is 36.5 days of block rewards to equal Tesla's $1.5B but in negative price pressure.

I've never gambled on bitcoin, but I always thought the massive inflation from block rewards would drive the price down more than it has. I still think it will, but it hasn't yet.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
That is so amazing, every time I see it it seems like a parody. I just can't understand how something like that gets by both a writer and an editor, two jobs which definitely aren't making $230k or $260k.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Protein is expensive, basically. Sure I could run competitively on beans, rice, and potatoes, but as less of a runner and more of a lifter I'm spending a ton on meat now. Dairy can be high in protein and cheap but it's pretty awful to get all of your protein from it.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

vonnegutt posted:

Exactly. What is a hypothetical Texas resident supposed to do to avoid these gouges? Is there a live feed of price changes in every home? Is there actually a way that someone could have avoided one of these five-figure bills?

It sounds to me like someone would have to 1. be aware of the fluctuating prices and 2. be willing to cut all power to their home (in the middle of a freak weather event) in order to actually opt out. Neither of which sounds plausible or useful.

I'm a Texas resident. The market rate electric plans are vanishingly rare and you basically need to seek them out based on their advertising. I'm not personally friends with anyone who was on this type of plan, for instance. The state run website for choosing an electric plan, powertochoose.org, doesn't recommend these plans. They are popular with people who are inclined to game the system more than anything.

Also re: taxes in TX. Our property taxes are massive. In metro areas an entry level house ($250-300k) will run $550 per month in taxes alone. Tolls can also be a large expense, for years I was paying more in TX tolls than I had paid in NE income tax.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

Lady Homunculus posted:

Our usual homebuying cluster gently caress is getting interesting now that people know some houses are on the same circuit as a hospital and will never shut off power, and the rest... Probably want to know that before you make an offer 100K over asking.

As one of those people, there's really no way to verify it as far as I can tell. We didn't know we were on the local fire houses circuit until last week, and that could easily change at any time without notice.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

kissekatt posted:

Are variable rates for utilities really such an outlandish thing in the US? Here (Sweden) it's just a standard choice you make (do you want fixed, variable or hybrid? If fixed, how long a term?) with the prevailing wisdom being that variable is generally cheaper in the long run but with the drawback that it of course varies and that you are vulnerable to spikes. Similar to mortgages, in a way.

I feel like this is the Nth time rehashing the conversation, but in TX both variable and fixed rate plans are extremely common. The plans in the news aren't variable rate plans though, they are wholesale market rate plans.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Whipped cream certainly sounds more appetizing than shaving cream

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

Me in high school multiboxing in EverQuest

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

Elysium posted:

The shoe sales are just a bonus, dude probably living the high life on credit card points alone.

There's a guy on YouTube who gets algorithm'd into everyone's feed based on his MTG card buying/selling business (I've never played MTG and I don't know poo poo about it). The thing I found most interesting about his videos is that he was always up front about including tax, shipping, ebay discount promotions, and credit card cash back in his cost basis for everything he owned. In a business with small margins that cash back represents a significant portion of it rather than just being a bonus.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

DACK FAYDEN posted:

In fairness, if he's not actively trading off his mom's insider info, he's not doing anything here that another Nike employee with similarly deep pockets couldn't, right?

Which is not saying much because obviously it's still ridiculous. Just clarifying.

I expect just about every employee discount benefit comes with the string attached that if you resell this poo poo you're getting fired.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

Thanatosian posted:

Costco is very much not unionized, and their methodology for maintaining that is to pay their workers well and primarily promote from within. Not everything they do is great, certainly, but I buy most of my random household goods from there (toilet paper, paper towels, laundry/cleaning products, any food I get large quantities of other than rice, etc.).

You say other than rice while I'm sitting here with a 25 pound bag of rice laughing

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Back in college I was friends with a group who all worked at a local Hollister (yeah, yeah). The amount of product they stole was absolutely disgusting. It actually bothered me quite a bit, something like 5 people stealing about $1000 tag price worth of merch every month. Factor in mall rent and it's amazing those stores can afford to stay open.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

crazypeltast52 posted:

An international Recorder’s office of art sales would also be great to establish who owns what like having a county recorder helps with records proving title to real estate.

If a blockchain gets people excited about it enough to create it, sure, but a central body that has people with enforcement power is really the important part, if the database is distributed or not doesn’t really impact the utility.

The dude who has the painting on his wall is never going to care who the blockchain says "owns" it, and the courts won't either.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
My company accidentally hosted a happy hour at a brestaurant once. Our founder/CTO loves beer and picked a place called Third Base about a mile from our office and next to the Rangers' AA ballpark with a good beer selection and patio. Third base was in fact a double entendre.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
I mean, if it were a "boys will be boys" company I could see it being an "accident". Definitely not in this case - it was super awkward for everyone involved, including the waitresses

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

topenga posted:

This is messing with my head. Because the Third Base places in Austin are straight up sports bars. Saturdays all the college games you can handle, Sunday all the NFL, and if you find the right location (which closed, bastards) you can see the Dallas Stars. Large, loud, dark and dingy. It is so far from breastaurant that the waitress was talking to one of the regulars and the discussion was about someone's brother and their umpteenth time in jail for a laundry list of poo poo.

Looking it up, there's a 3rd Base and a Third Base?

I actually just looked it up and it has been renamed to Wild Pitch. Still a breastaurant. NSFW website with self explanatory pictures: https://www.wildpitchsportsbar.com/gallery-frisco

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Every time I see a post about motorcycles in this thread I start to think that selling motorcycles might be a dream job

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
There's a very popular youtube channel about collecting any out of print magic cards to speculate on their future price, and the guy also does the same with collector's editions of any popular game. I suspect he's attracted a fair amount of copycats and combined with the everything bubble (btc, nfts, $TSLA, and so on) this is the result.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Yeah, I have basically no interest in what he does but YouTube recommended him and I probably watched 20 of them last year. It's an interesting peek into another world

Andy Dufresne fucked around with this message at 00:17 on Mar 22, 2021

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
I think the $900 price indicates nobody wants to sell, not that there are buyers willing to pay that much. The idea behind sitting on these boxes is that the game might become hugely popular and in several years people will want the collector's items because they loved the game so much.

On the flip side, this guy has about 100 Diablo 3 collector's editions on the shelf because the game sucked.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
I'm at the grocery store but the largest bag of salt they have is 15 pounds. The towing capacity of my CR-V is one ton, how many bags should I buy?

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

GoGoGadgetChris posted:

A bit off-topic I suppose but I feel like COVID has really helped a lot of people realize which of their hobbies they genuinely enjoy. I've certainly parted ways with a lot of Hobby Stuff this past year when I realized all the time in the world still didn't get me engaging with them

Selling off hobby supplies at pennies on the dollar is the BWM part

2021 and age 36 is the year I realized I am no longer a gamer. With the 2nd child on the way I am now realizing that everything adults told me as a child is totally true.

Related, yard projects are BWM

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
One weird trick: act like a complete idiot about loan terms to get into an usurious loan with a discounted price tag. Pay off the car a week later.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die

StormDrain posted:

I like the advice for a child who doesn't want his money to sit idly and lose value that is "get a job".

I am hopeful he learns the real lesson to stop asking reddit for advice.

It's really kind of nuts though. The most accurate advice is probably "buy a PluralSight subscription and learn a lot of technical skills", but it's a goddamned kid. If he invests 100% of his lawn mowing money it still won't be nearly as meaningful to his future as the experiences he could have as a kid with that money.

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
Yeah I think ecstacy sales need to go through SA mart

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
I've been friends IRL with someone who was bwm and honestly the opportunities to give advice are slim and basically boil down to "live within your means and max your employer match on the 401k plan. They don't ask for advice before they buy a house or car. After all, the loan officer is looking out for their best interests.

People who offer unsolicited advice are assholes.

Andy Dufresne fucked around with this message at 01:30 on Mar 30, 2021

Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
I thought 2nd place was a set of steak knives

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Andy Dufresne
Aug 4, 2010

The only good race pace is suicide pace, and today looks like a good day to die
It's me, I'm the guy who goes to Starbucks a couple times a week just to buy their dark roast drip coffee. It's fine to me, I'm only pissed off if it's cold. I buy the Costco organic ruta maya and use a pour over at home but I honestly don't prefer one over the other, they're just different.

The real BWM thing is that they raised their prices and gutted their rewards so I'm paying over $3 for a large coffee now.

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