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BMan posted:Checks are loving great, anyone can use the account numbers to clean out your bank account regardless of what you write on it. Amazing technology. I've got a couple of curmudgeonly friends that refuse to use electronic payments of any kind (bank-to-bank, venmo, etc.), and will only deal with checks "for security reasons". They don't understand/care that checks are hilariously insecure and reveal way more information than an electronic payment.
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Jan 10, 2019 21:57
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BEHOLD: MY CAPE posted:Outside of the United States fuel consumption figures are almost universally stated as volume/distance (of course in metric L/100km) because it is more intuitive to use linear measures than inverse measures. Yet again the rest of the world has units of measure figured out and we don't. It's really dumb and deceiving that not all "1 MPG"s are equal. The 1mpg from 15 to 16 is way bigger than 35 to 36.
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Jan 11, 2019 02:32
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Kind of surprised a 2006 Quattroporte with 125k miles can’t be bought outright for $500, because seriously that’s about all it’s worth at this point.
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Jan 14, 2019 19:36
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Plenty of opportunity for body work in the hospital after your 1991 Corolla mangles you in a crash you'd walk away from in a car made this decade.
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Jan 23, 2019 01:10
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I don't know what most any of that gibberish means, but it sounds like a lot of  and that's good enough for me
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Jan 25, 2019 04:06
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I’d be really curious to see the internal maintenance stats for the BMWs/Minis and Mercedes cars that ReachNow and Car2Go use. There are hoards of the things getting abused in a tough urban environments, and I use them quite a bit, and I’ve still yet to experience one with a check engine light or some terrible obvious mechanical fault (unlike the old C2G Smart ForTwos... what miserable trash those are). That they stand up to rental car levels of abuse (or worse, people are paying by the minute) is quite impressive.
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Jan 31, 2019 04:10
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Leperflesh posted:Also people refuse to figure out that 2x a year unexpected ~$500 repair bills is vastly cheaper than 1x a month $300 car payments. Because the latter is in their mental budget and the former just isn't. The idea that you could just buy parts and do a lot of those fixes yourself is three more steps beyond the pale. I had a bunch of fairly expensive maintenance on my car (couple thousand bucks) in the past few months, most of it relatively expected and the kind of thing that won't be an issue again for another 100k miles (i.e., life of the car). No doubt many people would have balked and traded in the car on something new. It was still less than just sales tax alone on a new 30-35k car.
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Feb 6, 2019 21:03
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Cell service for an Apple Watch (or similar) is entirely unnecessary. It pairs to your phone AND has WiFi, so as long as it is in range of either you get 100% of the functionality for no additional cost. It’ll also work offline for stuff like activity and GPS recording. I really don’t understand why people pay for cellular service for it except sheer ignorance and shady up selling. Maybe there’s an argument for like ultra-light runners or open water swimmers. But even that feels like a stretch.
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Feb 9, 2019 20:42
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“I’ll buy crypto again” Jesus Christ someone just put a bullet through his head and save him the trouble
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Feb 25, 2019 03:43
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canyoneer posted:That was funny to me when I was buying a house. "Oh don't worry, the seller pays that" Hey, hey, don't bring logic and reason into this equation. I need you to get overly emotionally invested in this overpriced house! I'm really hoping that the real estate industry gets upheaved soon, it's ridiculous how antiquated the whole process is.
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Mar 19, 2019 19:10
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Most of the well-off/wealthy people I know don't give a gently caress about cars and think anything more fancy than a Camry Hybrid is a waste of money. Ya don't get rich (and stay rich) spending money. Also this: Subjunctive posted:A lot of them just don’t want the additional attention, I think.
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Apr 11, 2019 22:41
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Unf straight to the veins yesss
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May 10, 2019 02:04
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I was stuck behind an extreme couponer in line at the grocery store recently during the prime time evening rush. Sooooo many people staring daggers at this fucker holding up the line arguing with the apathetic checker over literal cents. Pretty sure everyone in the store hated that person with a passion. If you’re going to do that poo poo at least go in at off hours, good lord.
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May 18, 2019 04:49
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Simpsons Reference posted:Just Wait Til We're FTFY 
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Jul 9, 2019 19:10
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If you drive a lot, like more than 12-15k miles per year, leasing is usually going to murder you with excessive mileage fees or higher lease rates if you negotiate it in up front. Unless he has the company pay for the lease as a business expense, in which case he miiiight be committing fraud if its actually a personal vehicle.
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Jul 21, 2019 20:48
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The beef is with folks that come from wealth but act like they earned it all and weren’t given enormous advantage and if everyone else just made good decisions like them then anyone can be rich like gosh why is it so hard to just not be poor??
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Aug 24, 2019 19:06
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canyoneer posted:One of my undergrad professors wrote a textbook, and had it published in this crummy paperback format. It was like $60 and required for the course. If you bought it, you could even bring it in to the exams along with any handwritten notes in the margins. It was shameless! It was an important lesson about ethics under capitalism
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Sep 5, 2019 20:23
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Cryptodorks are reliving the history of banking, finance, and the regulatory environment around it all in fast forward but they refuse to see it that way. As an observer it's hilarious.
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Sep 12, 2019 00:46
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pentyne posted:"Hating every job she gets" is a much bigger red flag then a lot of the rest of that story. A lot of people work jobs they don't like to pay the bills and take care of the family. If someone is repeatedly getting hired and quiting "because it sucks" they never learned to manage their expectations against needing an income. If you run into an rear end in a top hat during your day, that's a bummer. If you run into nothing but assholes during your day, maybe you're the rear end in a top hat.
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Sep 12, 2019 21:34
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Rotten Red Rod posted:This budget shows how a $350,000 salary barely qualifies as middle class I think they also don't understand how progressive tax brackets work when they are counting all their gross income at 24%. I plugged their numbers into a quick calculator, and their effective federal tax on gross income is only ~19%. With their numbers, that's almost $18,000 unaccounted for.
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Sep 12, 2019 23:06
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"We spend all our money living an upper class lifestyle without taking on debt, building equity in our multi-million dollar home, and saving for retirement and our children, and we just don't have any money left after all that! We're barely making it!" I want to see their full balance sheet of assets and debts. I bet they won't look very "middle class" then.
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Sep 12, 2019 23:36
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Despite their designs and materials being top notch, the post-Ford Volvos are consistently at the bottom of the charts in reliability. It's a drat shame.
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Sep 19, 2019 00:51
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100 HOGS AGREE posted:last time I used the self checkout at home depot the bill dispenser gave me an extra ten dollars. The machines are showing remorse for taking the cashiers’ jobs.
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Oct 7, 2019 05:23
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Heffer posted:I watched some Extreme Houses show on TV where a goony Seattle software dev was custom building a house boat with underwater basement and giant window. Enjoy your view of murky sound water. This is a pretty good metaphor for houseboat ownership in general re: romanticism vs. reality
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Oct 18, 2019 19:47
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Residency Evil posted:I’m sorry, but what’s the romanticism of living on a houseboat? It’s a real subculture in Seattle
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Oct 19, 2019 02:20
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Christ those expensive dumb watches don't even look nice or fancy, how are you going to flex with those
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Oct 29, 2019 01:06
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Rent back is a clusterfuck of complications. Rule of thumb: don’t do it.
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Oct 31, 2019 00:30
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Re: softbank silliness, how about this slide deck about their 30 year vision. It's really something. PDF warning https://cdn.group.softbank/en/corp/set/data/irinfo/presentations/vod/2010/pdf/press_20100625_01.pdf
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Nov 7, 2019 01:27
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Wire fraud is some seriously scary stuff and feels like it has very few protections in place or mechanisms for recourse if something goes wrong. Couple that with the fact that hardly anybody uses wires except for transferring downpayment money to a title company so most folks are just generally pretty unfamiliar with them. Knowing that, the transferring our downpayment via wire was legit one of the scariest things I've ever done, despite phoning the title company to confirm all the details as I was doing it. For those like 30 minutes or so between pressing send and waiting for the title company to confirm receipt (despite it being "instant") I just had this enormous amount of cash taken out of my bank account and floating out in the ether with no way of tracking it. For the absurd ~$30 fee most banks charge to send a wire, they really give you pretty much no assurance or security.
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Nov 22, 2019 00:40
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I bet it’s free to buy the ETF versions though Or just buy the Fidelity equivalent it’s near enough the same to make no difference If you’re really hung up on buying Vanguard funds then go open a Vanguard account Guinness fucked around with this message at 02:52 on Nov 28, 2019 |
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Nov 28, 2019 02:49
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DarkHorse posted:Peloton delenda est
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Dec 6, 2019 07:35
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Rotten Red Rod posted:If I wasn't working for a company that offered it I'd probably just not have dental insurance. It's never, ever seemed worth it. A lot of times even dental insurance offered through a company isn't worth it, either. Really depends on what it covers and how much of the cost the company pays for. Often it is just a glorified payment plan for checkups and cleanings, and hardly covers anything beyond that. If the company pays for all/most of it, then sure it's probably a good deal, but if you're paying all/most of the premium it's really worth running the numbers. In my experience, it's not uncommon for companies to just offer a cash reimbursement for dental expenses and skip the lovely insurance altogether. Plus the sort of fortunate thing about dental not being wrapped up in the health insurance industry is that you can call most dental offices and get real pricing on things, and a lot of them offer cash/uninsured discounts. There's still plenty of shady dentists out there, but  All this mostly applies to vision insurance, too. But regardless of whether you've got insurance or not, skipping out on regular dental cleanings is definitely BWM. It will eventually catch up with you in a big way. Guinness fucked around with this message at 19:13 on Dec 19, 2019 |
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Dec 19, 2019 19:09
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A 10% shock is all it takes to disrupt a just-in-time supply chain, and we've spent the last few decades building our global economy into one giant JIT supply chain. It's pretty amazing how quickly the whole thing fell over, but in retrospect now not all the surprising.
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Mar 22, 2020 18:49
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PraxxisParadoX posted:Assuming you’re being serious, https://lunchmoney.app has been great for me. You need to pay for an account which is GWM in the long run because the service gets better, unlike Mint. This looks really intriguing. How good is their automatic import function, and does it work with most financial institutions like Mint does? I'd love to ditch Mint for something better (and I'll even pay for it) but it has to have good automatic transaction and billing imports with all my accounts. Edit: gah, quote:We're currently not able to get transactions for brokerage/investment accounts.
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May 21, 2020 21:15
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It's nothing new that finance "news" is overly dramatic about market movements, and tries to draw causal relationships between events and markets. STOCKS SOAR!! (markets up 1%) STOCKS PLUMMET!! (markets down 1.5%) Or maybe it's just normal daily volatility and not every minor fluctuation is a direct response to the (also overly dramatic) news cycle. Though poo poo is indeed hosed up right now.
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Jun 1, 2020 22:09
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Griefor posted:Alternatively if repainting can be done for $1.5k or under it's still in the range he did want it for. A $1.5k paint job is not a good paint job.
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Jun 4, 2020 20:10
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Haifisch posted: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. This. Legal minimums haven't moved upwards in decades to keep up with the rising costs. They are a joke in most places. In my state the legal minimum is 25k bodily injury (50k max per accident), and only 10k property damage. That won't cover poo poo in an even moderate accident, let alone a major one. All those numbers need an extra zero on them.
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Jun 6, 2020 20:12
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Just renewed my $1m umbrella policy and it was $190/yr on top of my auto and home insurance. State Farm does require that you carry a 250k/500k/100k auto policy to add an umbrella policy (which I did before, anyway) and the cost difference is really just not that much compared to lower coverages. The auto liability portion is under $400/yr. At least with a relatively clean record. Granted, I know for a lot of folks an extra couple hundred bucks a year stretches an already stretched budget too far, and that's a hosed up thing in this country. It's still shameful that we legally allow such low coverage policies that don't actually cover nearly enough when you need it most. I imagine a lot of people don't realize how underinsured they are, because they are complying with the law so how bad could it be? If we spread the cost out uniformly it'd be pennies, but that'd be SoCiALiSm. Guinness fucked around with this message at 22:59 on Jun 6, 2020 |
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Jun 6, 2020 22:55
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Matt Levine's newsletter this morning had some takes on the whole Hertz thing and it's pretty amazing how dumb this whole thing is:quote:Hertz filed for bankruptcy on May 22. It has about 142 million shares outstanding; at its $5.53 post-bankruptcy high, the total market value of its stock was about $785 million. “Hertz’s roughly $3 billion in corporate bonds were trading earlier this week at around 40 cents on the dollar,” suggesting that the value of Hertz’s stock is at best about negative $1.8 billion. Guinness fucked around with this message at 19:58 on Jun 12, 2020 |
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Jun 12, 2020 19:52
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Cyrano4747 posted:Lol “we’re going to have a third kid to save money” This is the same type of thinking of idiots that don't understand marginal tax brackets, but in reverse or something. "With a couple thousand dollars in tax credits we can't afford NOT to have that third kid!"
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Jun 12, 2020 21:05
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