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Raldikuk posted:How is the answer not a simple "don't take care of them"? If they couldn't bother to save for retirement and if they didn't help you out financially then don't feel obligated to help them. I'd be tempted to go "you already forced a bunch of financial help from me, you're not getting more". But OP probably won't, because her parents gave her brain worms: OP posted:i didn't even understand at the time that what they were doing was wrong, because my dad told me growing up that my money was basically his money. It took my husband to explain to me that the whole situation wasn't normal, and then fought with him for years because I didn't understand it.
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# ¿ Jan 3, 2019 03:25 |
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# ¿ Apr 18, 2024 08:03 |
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BEHOLD: MY CAPE posted:I know SA is populated on an extreme selection bias with computer literate educated 20-30something millenials in the stride of their careers, but for perspective: $90k is significantly above the median household income in the US, and if their mortgage is only $80k they are probably in a below average COL area
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# ¿ Jan 3, 2019 04:56 |
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Here's a doozy.http://ogc.osd.mil/doha/industrial/2018/16-03658.h1.pdf posted:In July 2004, Applicant purchased a home for about $1.2 million and financed the purchase with a 90-10 loan package that consisted of a first mortgage with SOR creditor 1.c ($958,400) and a purchase money mortgage to cover the required 10% down payment on the home with SOR creditor 1.a ($120,829). (GEs 2-5 and 7 and AEs B-Cand M; Tr. 42-43, 57-58) The interest rate agreed to by Applicant on the promissory note and first trust deed was an adjustable rate of $4.8% for five years after which the rate would be adjusted upwards by 2.5%. (AE M) At the time of his purchase, Applicant was netting a little over $80,000 a year and reported a net worth of $23,000, but still claimed he could afford the combined mortgage payments of $4,300 a month ($51,600 annually) on the two mortgages. (Tr. 57-58, 79) quote:Besides Applicant’s first mortgage debt with SOR creditor 1.c, he has an outstanding second mortgage with SOR creditor 1.a in default and unresolved. He has made no payments on this loan since 2009 and currently owes over $120,000 on this quote:Analysis quote:Applicant’s cited extenuating circumstances (i.e., medical issues requiring his time commitments for caring for his mother, his wife’s erosion of income during the economic downturn that impacted her business in 2008-2010, and his mortgagee’s failure to approve his loan modification request) provide some mitigation credit for his initial withholding of mortgage payments on both mortgages. Based on his cited circumstances, MC ¶ 20(b), “the conditions that resulted in the financial problem were largely beyond the person’s control (e.g., loss of employment, a business downturn, unexpected medical emergency, or a death, divorce or separation), and the individual acted responsibly under the circumstances,” has some application to Applicant’s situation. quote:Overall, Applicant’s actions to date in addressing his finances reflect too little evidence of restored financial responsibility and judgment to overcome reasonable doubts about his trustworthiness, reliability, and ability to protect classified information or occupy a sensitive position. See AG ¶ 18.
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# ¿ Jan 4, 2019 18:58 |
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BonerGhost posted:32 honestly sounds a little low for a top trim, all options Camry. The Toyota and Honda econoboxes got big, loaded, and hell of expensive sometime in the last 10 years. They're still boring as hell, but they're not starter cars anymore. Not going to price because I'm on mobile rn, but if that's truly the highest, color me surprised. quote:I swear this sub has a hard on for shaming people when they treat themselves to a nice vehicle. Some people spend 1-2 hours a day in their car. Some people just generally like cars as their main source of pleasure.
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# ¿ Jan 8, 2019 06:12 |
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Buying buttcoins is dumb, but generally not life-ruining as long as you realize it's gambling and not investing & act accordingly. And get any winnings out before something crashes, or your exchange of choice steals everything, or it turns out your coin of choice was being pumped up by the easiest to see through scam of all time, or any of the 5 million other things that make buttcoins a really dumb prospect. 99% of buttcoiners think it's an investment, though.
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# ¿ Jan 9, 2019 18:35 |
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Here you go. Highlights: quote:Not if I can scale out of the remaining position at favorable prices... I withdrew 10k yesterday which is twice my original account value and I'm not in a margin call, But that could easily change. quote:I started the position with 8 call spreads for a credit of 4.95 each about a week and a half ago, so my initial investment was 40 dollars. I legged in lots of 5 to begin with, then 20, 30, 50 alternating on each side. This all happened today, I would've kept going, but market closes at 4.. quote:It's credit spreads so I got paid when I opened it. It literally cannot go tits up, max loss is 500 per spread but I got paid 594.
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# ¿ Jan 18, 2019 05:38 |
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We all know there's only one BFC approved car. Toyota Recalls 1993 Camry Due To Fact That Owners Really Should Have Bought Something New By Now quote:TOKYO—Saying it was simply time for drivers to move on, Toyota Motor Corp. issued a recall of its entire 1993 Camry model line Wednesday due to the fact that its owners really should have bought something new by now. “We understand that the 1993 Camry was tremendously dependable, but, honestly, there’s just no excuse for driving a 22-year-old car at this point,” said Toyota spokesman Haruki Kinoshita, adding that, with all the advances in automotive technology that have taken place, no one really had any business driving a vehicle for more than two decades. “We’re not saying you have to buy a new 2015 Camry or splurge on a flashy new hybrid, or even that your new car has to be a Toyota at all. But the bottom line is that you need to start fresh, however you choose to do so.” While Toyota is reportedly confining its recall to the 1993 Camry, it also issued a warning to owners of 1994 to 1998 models alerting them to the fact that they were really starting to push it.
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# ¿ Jan 23, 2019 00:25 |
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Person who sells homeopathic remedies for horses, BestWM.
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# ¿ Jan 23, 2019 04:31 |
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There's always tradeoffs like that, though. A house in the suburbs with a white picket fence gives you space for that stuff, but you're unlikely to be able to, say, be able to quickly walk to the store to pick up milk. You might not be able to walk to any stores at all, if you're in a really pedestrian unfriendly suburb. And you're likely to spend a lot of your day stuck in traffic, especially if you're commuting into the city. Is it better or worse than living in an apartment in the middle of the city? That depends on your own preferences and needs.
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# ¿ Jan 23, 2019 05:20 |
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I've had one outdoor cat and several indoor cats over the years, and that's enough for me to know having an outdoor cat is 100% not worth it. Even aside from the bird murder and cat safety problems, it's just annoying having to let it in and out and deal with it harassing you when it wants outside.
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# ¿ Jan 23, 2019 20:48 |
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There's a middle ground in the big midwest cities, which are more expensive than Buttfuck Iowa but actually have poo poo to do and are less expensive than the coasts. No, it's not Manhattan-level nice, but most people can't afford Manhattan-level nice. The caveat is the snow, ice, and freezing temperatures every winter, which suck rear end and don't get any better the longer you live here. But I'd consider that a fair trade for sane housing prices, plus we don't have to deal with earthquakes or hurricanes wrecking our poo poo every so often.
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# ¿ Jan 30, 2019 04:21 |
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What I'm getting from this is that this thread needs to travel to TFR next.
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# ¿ Feb 1, 2019 05:31 |
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Sten Freak posted:Well they do have the fixed number only getting smaller aspect....
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# ¿ Feb 2, 2019 01:05 |
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To be fair it was only one accidental birth, since OP says the kids were twins.
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# ¿ Feb 3, 2019 05:49 |
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Leperflesh posted:One of those (depressingly common) cases where the law has to make a determination because the legislative and/or executive did something essentially absurd and stupid. In this case, slapping import tariffs on vegetables but not fruits, and failing to be explicit in the law as to what exactly those terms covered.
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# ¿ Mar 7, 2019 08:25 |
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Which makes preppers even more hilarious, since the fact that you'd have to rely on other people for security flies in the face of everything these mouthbreathing tin foil hats believe.
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# ¿ Mar 25, 2019 03:49 |
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Devian666 posted:A 39 pound pack would be good to test preparedness. If the person is wheezing and needs to sit down after putting on the pack they aren't cut out for surviving. Bird in a Blender posted:Unlimited vacation is a trap. People tend to take less time when given unlimited vacation. And you always have time to take a vacation, unless you're running your own small business or something. People who think they can't take a vacation are fooling themselves. Things can wait or someone else can do it for the week you're gone.
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# ¿ Mar 27, 2019 01:36 |
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GoGoGadgetChris posted:Edit - and lol at his factory comment. What decade is his brain trapped in? quote:In a list of tips on paying for college on Ramsey’s website, he highlights the story of a debt-free college grad named Jacquelyn who “worked three jobs and lived on just a few hours of sleep.” I want to live in the world these Budgeting Gurus live in, where everyone lives in a small town with reasonably priced houses, is able to bike to everything they need, can pay for college with a part time job, and never has to take on debt for anything or get financial assistance from their parents. It sounds like a nice place.
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# ¿ Apr 16, 2019 23:13 |
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Hey look, content! My parents did not pay taxes for 10 years. They now owe the IRS $16,000 and have 6 months to repay. They don't know that I know this and I have no idea what to do. https://www.reddit.com/r/personalfinance/comments/be1b56/my_parents_did_not_pay_taxes_for_10_years_they/ posted:A lot of this information is coming second hand from my sister, so I apologize if I don't have all of the details.
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# ¿ Apr 17, 2019 04:17 |
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GGGC is a bit of gum stuck to your shoe. John Smith is a flaming trash heap piled a mile high.
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# ¿ Apr 17, 2019 19:03 |
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Thanatosian posted:What do you want to bet the reason they thought they were supposed to file as "royalties" was because their parents told them to?
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# ¿ Apr 19, 2019 21:44 |
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Yeah, for a lot of people the realistic choice is "contribute to retirement and have kids take out loans" vs "contribute to college fund and hope your kids pay to support you in retirement". I'd consider the former less selfish than the latter, mostly because I loathe parents who assume their kids are their retirement fund.
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# ¿ Apr 19, 2019 23:31 |
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I see we got moved to AI and nobody noticed.
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# ¿ May 13, 2019 23:48 |
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BWM aside, I really don't get being so obsessed with a theme park that you get an annual pass for it every goddamn year. Even if it's the best theme park on the planet, doesn't that poo poo get old fairly quickly? I know Disney created a special breed of brain worms, but drat. Also I googled it and it's $900/person for the normal annual pass and $1000/person for the "plus" pass. $3600 or $4000 a year spent on Disney, every year.
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# ¿ May 25, 2019 07:34 |
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TVsVeryOwn posted:try the ocean
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# ¿ Jun 19, 2019 22:37 |
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Dick Nipples posted:She’s threatening to sue my dad if he doesn’t give in to her demands.
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# ¿ Jun 30, 2019 22:49 |
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This is my favorite part:Dik Hz posted:“It offers a good life and excellent cost of living: all those things that people are starting to seek out if they want more intentional community,” she said. “People are feeling an anonymity within the larger cities and that can be oppressive.” On the flip side, being anonymous rules because you don't have busybodies up your rear end for doing anything out of the ordinary.
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# ¿ Dec 17, 2019 00:14 |
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I always wonder how dudes like that get by in their jobs. Does nobody comment on the stink wafting from them? You'd think Stank-rear end Jones would have trouble getting hired/promoted anywhere.
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# ¿ Apr 10, 2020 04:21 |
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The other broke student thing was just having a random mismatch of furniture from craigslist/family hand me downs/whatever cheap lovely lamps and poo poo you could get from a local big box store. A cheap plastic garden table doesn't look nice when used as a kitchen table, but it still functions as a table. Pair it with some craigslist chairs and you're good to go.
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# ¿ May 3, 2020 00:34 |
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Or even just keep your super special important toys away from the litter box. Litter gets kicked out of the box sometimes, which is why normal people keep it away from stuff they don't want getting a fine coating of litter dust over it.
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# ¿ May 8, 2020 04:06 |
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Especially since you're legally required to have insurance in many(I'd say most, but, well, America) states, so refusing to cover people wouldn't be an option.
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# ¿ Jun 5, 2020 23:28 |
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Hell, I'd argue the minimum coverages in many places are way too low(anything involving medical bills especially). But any level of coverage is better than nothing.
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# ¿ Jun 6, 2020 18:12 |
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please knock Mom! posted:Smartphones are too good, that’s the point. You can cheat with them far too easily. If only there was some way to adapt test questions to modern day tech... I know smartphones are several orders of magnitude beyond that, but at the idea students won't find ways to cheat with anything that has memory capacity.
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# ¿ Jul 6, 2020 07:41 |
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I view it like the Love Languages garbage - it's okay-ish if used as a communication tool between sensible people who understand that everyone is more complex than a small set of categories can convey, but an alarming number of people take it as iron gospel. And if you needed some lovely pop psych/pseudoscience thing to make you realize 'hey, different people express love in different ways' or 'different people have different personalities and approaches to work', you've got way deeper issues than a simple test can solve. And on a corporate scale, you absolutely should not trust anyone to interpret that info sanely(including realizing the limitations of whatever arbitrary buckets it puts people in and that said buckets are generally not mutually exclusive in real life) or use it for constructive purposes.
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# ¿ Jul 22, 2020 00:41 |
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Since AAM is apparently fair game here: I bit my coworker quote:So I bit a coworker yesterday. Obviously, I’m mortified. update: I bit my coworker quote:So I don’t have an update I think anyone will like. Going through Alison’s three suggestions: https://www.askamanager.org/2017/07/i-bit-my-coworker.html https://www.askamanager.org/2017/12/update-i-bit-my-coworker.html
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# ¿ Jul 28, 2020 23:22 |
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KYOON GRIFFEY JR posted:but it gets bigger until it covers the earth Leon Trotsky 2012 posted:BWM Bosses Part II: Get (Mental) Healthy or Die Tryin' Neither were these.
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# ¿ Jul 28, 2020 23:27 |
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Are these costco-specific coupons you're talking about? Because I get mailers about costco deals, there are in-store sales(which presumably reflect the deals in the mailer, although I've never checked), and there's the membership reward 'check' you get, but I haven't seen costco send out actual coupons ever. e: Nevermind I can't read. The auto-applied coupons must just be the sales the mailers tell me about nowadays.
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# ¿ Jul 29, 2020 22:21 |
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Trimson Grondag 3 posted:But they won’t just go see a real life sex worker because that is too explicitly transactional and they want to be able to maintain the illusion of relationship or they think sex work is unacceptable or it forces them to acknowledge the fact they are sex work consumers or something? I'm sure there's a handful of dudes who are happy to give money to a sugar baby with no strings attached, just like there's a handful of dudes who will pay for a prostitute and spend the entire time just talking to her with no sex involved, but you're willfully naive if you want people to think that's the majority of them. But I guess that's more palatable to some people than admitting they're paying for/performing sex work.
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# ¿ Aug 5, 2020 02:53 |
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Also with lovely people, # of failed marriages is an important red flag because it makes it increasingly obvious that the problem was likely them and not their exes.
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# ¿ Aug 27, 2020 02:19 |
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# ¿ Apr 18, 2024 08:03 |
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GoGoGadgetChris posted:"Survived" as in, til death do us part? Also marriage still has a bunch of legal benefits that make sense for long-term relationships. It's the reason anyone bothers getting married at all, other than religious reasons.
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# ¿ Aug 27, 2020 02:31 |