Lurker > pinky0926

WingsOfGood posted...

Does Europe waive the fee for those with intestinal disorders?

Depends what the chap in the toilet says.

You have to have a barmy with him and if he thinks your chat is top banter then he might let you off, otherwise it's a bop on the 'ead.

Sufferedphoenix posted...

They'd be fucked cause I'm old school as fuck. I don't have banking apps on my phone. Worst they could do is force me to draw 500 from a atm.

And even that I'd likely get shot cause my dumb ass will argue.

nah this is the uk mate. it's stabby time or acid face splash, no shooty

Irony posted...

Works for me, but it's kinda wonky. I clicked it and it highlighted it first

Nevermind, I was being an idiot

https://www.reddit.com/r/UKPersonalFinance/comments/1ceha6s/monzo_and_their_procedures_for_robbery/

This is my worst nightmare, short of a terminal disease. Makes me want to delete my banking apps.

ai123 posted...

I was thinking more of these serial bankrupt businessmen who lose millions, but still manage to maintain a life style and move on to the next thing. They have a better time than those barely getting by.

Oh yeah, this is better though.

Sheiky-Baby posted...

That was in 1991. His career went on for 13 years since that interview.

Don't know if you remember the 90s, but men didn't lose their jobs back then because they were accused of rape, let alone because they said something weird in a magazine article and then retracted it.

Hell when even was metoo, 2017? His career lasted so long because hollywood has always protected rapists.

ai123 posted...

What happened to your brother? Does he regret doing it?

Is he suffering more than someone who is under the stress of grinding out a living?

He had that dangerous double-edged salesman quality of being able to make a lot of money and spend a lot of money. So he made a lot of really poor lifestyle decisions, riding the wave of his fast increasing paycheck and ever increasing lifestyle inflation. He started to just fall down the rabbit hole of putting everything on finance/credit cards because "it's fine, I can afford the repayments, and I'll be earning double this amount next year so I'll just pay it off then".

It got to the point where he was paying something like $1k per month just to cover the minimum credit card payments, and debtors were calling him every day threatening to take him to court.

I believe he's since got more of a handle on it and consolidated it and has been whittling it away, but he's still an idiot when it comes to money. His idea of a retirement portfolio is to buy a bunch of cars, restore them and sell them.

ai123 posted...

I'll take the debt, please.

You get to a point with debt where it stops mattering. People who are thousands in debt often suffer more than people who owe hundreds of thousands. Rich people understand this.

We might need to draw a distinction between "good" debt and "bad debt".

You can be a rich person who has millions in debt but tens of millions in assets and capital and is just living off the interest.

Or you can be someone like my brother who just maxed out a dozen credit cards in his early 20s and ended up with 6 figure debt with literally nothing to show for it.

I can't speak to anyone else, but I've been paycheck to paycheck, and I've spent my life dodging debt.

Paycheck to paycheck sucks but (at least in my case) it was a temporary problem that was solvable in the relatively short term with some frugal living. Crippling debt is just a whole lot of grief.

[LFAQs-redacted-quote]


All in all with current interest rates holding relatively steady I should earn maybe 2.5k in interest by the time it's paid off.

So that's pretty neat, since a loan like that would probably cost 2k in interest normally.

[LFAQs-redacted-quote]


According to the terms I could pay it off pretty much straight away if I wanted to. So it's a pretty good offer all round.

Ranting__Nord posted...

What's the benefit for them except seeming like cool bros?

Golden handcuffs. It's a small enough amount of money that it barely touches the sides for them, but it locks me in to staying for 4 years.

Do you have a "style", or even just a vibe you feel comfortable with?

If not, here's three different vibes you could go with:

Casual/slightly dressy boots:

• Red Wing Iron Rangers
• Thursday Captains
• Red wing moc toes
• Doc Marten boots
• Clark desert boots

Low profile sneakers

• common projects (expensive, but check em out and if you like them can recommend some cheaper alternatives
• Converse all-star
• Hi-tec shadows

[LFAQs-redacted-quote]


Only downside really is I now owe my company money, which may make them feel like they have some leverage. That and I have to ignore the money.

divot1338 posted...

French actor who was relatively famous in the 90s for some reason.

Cyrano De Bergerac, Jean De Florette, The Last Metro. he starred in some very critically acclaimed movies.

If you weren't around last week, the gist is that my company offers personal loans up to 10k, interest free. Turns out lots of people in my company have taken them before for car purchases, gaming computers, house deposits, etc.

But I suspect I'm the first person to take one out for the sole purpose of sticking it in a high-interest savings account, lol.

It's a 4-year repayment plan deducted from my paycheck, additional payments can be made any time, if I leave the company I have to pay back whatever is owed. I think money arrives tomorrow.

Yay?

I mean literally one sentence later:

Later that month, Depardieu's French publicist Claude Devy discounted the statements made by Smith, and Depardieu threatened legal action against any media outlet that published the comments.[52] Depardieu's team said his words were mistranslated and he only admitted to having witnessed rapes. Time refused to retract the story.[53]

I'm not saying he's innocent, but if you want an answer to why his career lasted so long, it's because one dubious admission in a magazine article is not a legal confession.

It's pretty sad if you can't be friends with the people you spend the most time with.

streamofthesky posted...

I didn't want to make a topic just to post a video w/ most of my gripes about modern car design hilariously covered (plus a solid 1/2 of it dedicated just to shitting on the Cyber Truck), but since this topic now exists, enjoy!

https://www.youtube.com/watch?v=_S7GU9lDpq8

Sums up so many of my thoughts.

Sufferedphoenix posted...

I started with morrowind but I still prefer skyrim.

Don't get it twisted though there are some aspects or morrowind I wish remained. Like you could mix match armor better as they had more seperate pieces. But I never wanna go back to my weapon clearly going through a enemy but I "missed" cause stats.

It's been my experience ever ES game makes some improvements in some areas while being worse in others.

Some scaling issues aside, I think Oblivion struck the balance well.

Modded oblivion was the perfect RPG experience for me. Felt I was truly immersed in an adventure.

Gobstoppers12 posted...

Hardcore people dislike casuals because the existence of casuals has altered the gaming market substantially.

Back in the old days, most games were made for hardcore gamers. Massive RPGs, high APM RTS, brutal side scrollers, etc.

Now, though, the main audience is mainstream casuals who don't want games to be incredibly hard or excessively complicated.

This means hardcore gamers have fewer new games per year to suit their style. That's the main problem they have.

I don't think this part is actually true. The games market is bigger than ever, and you can easily go and find brutally difficult games if you want to.

What is true is that so many of the big franchises we grew up with have been watered down for a casual audience as they grew in popularity. Elder Scrolls is probably the most cynical example.

Piece of shit car
+
crappy touch pad stapled to the dash
= luxury interior

Fuck I hate this so much. Bring back tactile buttons

Alteres posted...

well, you are going to have it out in the kitchen, things like milk, bread, cans while you are cooking.

You touch them and keep preparing your food with your "clean" hands.

People wander around touching, almost damn near fondling every item at a grocery store. Sometimes looking for the freshest date, and sometimes for no fucking reason that I can tell.

Those people just wandered in off the street from whatever they were doing, and I doubt they were clean... and the ones touching everything mostly look like the worst offenders.... anyway

Cleanliness is completely overrated

People be like "eww, wash your hands after you pee", and then get in their car and rub their hands all over the steering wheel they've never ever cleaned in 5 years while eating in the car

And despite this nothing bad happens in either case

https://www.youtube.com/watch?v=sjDuwc9KBps

What a weird time capsule this is

Umbreon posted...

We could have had this man as President.

Bernie be like "what if people that need help had help" and the political establishment be like "man what a whacko lmao"

It peaked early with Joseph, no one even comes close

MacadamianNut3 posted...

Definitely disagree on the car being 10% of your income thing even as a lifelong cheapass. The average salary in America is 60k. Driving a 6k used shitbox sounds like both a hassle for how uncomfortable it will be every time you're in it to/from waging it up and how likely and often something that cheap is going to need repairs. I'm on month 7 of a 4 year financing term and my only regrets are that hvac and radio controls shouldn't be touchscreen-based and I should have picked something comfortable to drive like this a long time ago since I don't feel tired after every drive

Being frugal is one thing but that just sounds like out of touch Dave "hey just take public transportation even if it's dogshit in your random city" Ramsey financial advice

The rule of thumb is 10-15% of your salary per year on car related payments, not the total cost of the car. So more like 6k per year in car costs. So maybe 300 per month on your car loan.

I guess some flexibility depending on your priorities and how much you drive.

The basic idea is a lot of people look at a finance agreement, think "Oh I can easily afford $600 a month" and get super excited about their new audi, without taking anything else into account. That's the trap to avoid.

nekrodev posted...

yeah, i don't get people who are super into mechanical keyboards. i don't even see the need to have one, and i don't want my keyboard to be any louder than it already is.

I got memed into buying a corsair k70 like 5 years back. Realised I had just paid 3 figures for a noisy glow in the dark toy that was more annoying to type on than the most basic $20 wireless keyboard from amazon.

I've brought it out of storage and am trying it out again to see if it will grow on me. The keys fly off at the barest nudge and it clacks with an almighty din, but I guess its not all that terrible. I want to change some basic things to make it feel better without going down the soddering route.

Me over here like "what are some basic simple improvements I can make to my desk space", not knowing there's an entire cult that is devoted to a specific kind of noise that the keyboard shall make and will throw away everything in service of the thocc gods

SaikyoStyle posted...

This is more likely an effect of the UK trying to turn their healthcare system into something more like ours.

The basic game is this:

Tories: The NHS is an overbloated mess, it's time it was streamlined into effectiveness. Let's cut funding and sell off parts of it.
Tories later: It appears the NHS is underfunded, understaffed and falling apart. There's just really nothing we can do but privatise it.

Shouldn't be a surprise when law enforcement tends to be heavily right wing.

People who believe insurrectionists were "very fine people" and liberals are trying to indoctrinate your children into grooming cults.

TwoDoorPC posted...

if they didn't learn from hearing about his multiple crimes, then i doubt this will change anything

They think his crimes are a feature, not a bug

Guys I ain't even kidding. When i see a white board I think it's gonna be a greasy spoon diner for tradies, but blackboard is somehow more upmarket immediately

S_A_S posted...

pinky, when I was about 20 years old, I had a friend who was roughly the same age as me, but much more worldly, and he explained to me that if you have a credit card and pay off the debt at the end of each month, that's how you build up a good credit rating.

I really don't know much about personal finance, though. Anything else about money you've learned recently, that you should've known in your 20s, or possibly earlier?

I knew that part. Here were the parts that I learned since then:

• Don't borrow money you don't have, unless it's for something you need and/or something that will reliably generate wealth or reduce costs. E.g. don't finance your furniture or a car beyond your means. Do get a mortgage, maybe.
• Never justify buying things on finance based on being able to keep up with the monthly repayments. If you have to finance something, only justify it based on how much you are prepared to lose and how quickly you can have equity.
• Don't buy things on your credit card unless you can pay off the full balance each month. Don't fall into the trap of leaving some leftover for the next month and justifying the interest. This is the slippery slope that leaves even smart and sensible people into mountains of debt.
• There is literally no cost effective way to buy a car. The least shitty way is to buy it outright with cash. A car should cost no more than 10% of your annual income, generally.
• Add another 10% for general car costs.
• If you really want something you can't afford and you're thinking about putting it on a 2-3 year finance agreement, think about how emotionally attached you are going to feel about it in 6 months time, and consequentially how bitter you're going to feel about those repayments once the novelty has worn off.
• Set aside a monthly budget for annual costs. If your car's accident and emergency costs 150 a year, then set aside 12.50 a month for it. That payment won't sting at all when it renews next year.
• Keep 3 months of salary in savings as an emergency fund. You don't touch this for holidays or toys or whatever. This is just there in case you lose your job and you need that cash there to keep you afloat.
• Finally, maybe live your life a little anyway. Certainly being financially covered is important, but no one sits on their deathbed and remembers their investment portfolio.

"I've always wanted to be in a bar fight, does this count?"

Ok, someone defend this, I fucking dare you.

dark mode is superior o_o

My controversial hot take is that the theatrical versions were better than the extended editions.

Too long, too many scenes that slowed the pacing down just for the sake of giving a nod to book readers, etc.

Guy had 600k at 76, what was he doing investing in meme stocks? He was already set. Idiot

Bass posted...

Your stance isn't that bad. You'll probably be happier than someone up to their eyeballs in debt even if it isn't optimal. If you keep up with the investing you'll be setting yourself up for a good retirement. You still have a lot of time left to grow your money.

I never understood what it could be like to actually grow wealth until relatively recently. The idea that I could have money beyond what I need to pay bills for and a little bit extra "just in case" has been foreign to me.

And now I'm realising...fuck that. I can have 6 figures in cash just sitting there in less than a decade without too much hard work, if I'm smart. That was eye opening.

archizzy posted...

Nope. While I understand what you are saying and I go out of my way to avoid debt I never hesitated when buying a house to take on a mortgage. But I have pretty much paid for everything in cash in life just because my dad taught me to be responsible with money and not live off credit. But he actually had me take out a loan on my first vehicle rather than but in cash to establish credit.

i was raised very smartly when it came to financial decisions. Identifying needs vs wants, prioritizing responsibilities and bills. How to build wealth. Learned this from a young age.

Now Im 48 and sitting damn good. Own my home outright and have for years. No mortgage, no vehicle payment, legitimately about as perfect as you can get credit rating if I need it.

But I am really frugal. Its not a fear of debt, just I hate wasting money. Outside of required monthly bills I legitimately have spent less than $100 out of pocket in the last 12 months. Last spring I bought a video game and last November I bought 4 books. Thats it. Seriously.

I go months and months and months and never spend a penny outside of my required monthly bills. Im an extreme saver. But not out of fear.

This is what I never got. I love my parents, I have a wealth of so many experiences in life because of them. But I swear, I only really understood the purpose of a credit card at the age of 32.

I'm 36 now and only starting to build wealth. Its a little maddening, but I guess now is better than never.

Tyranthraxus posted...

Just declare bankruptcy. Especially if he's 25.

Hes over 40 now, runs his own business. The problem with my brother is he's a salesman right down to his soul. He will always spend 5 dollars he doesn't have if he thinks he can make 20 dollars from it.

I'm not sure what my brother did tbh. He started to get on top of his debt in his mid 30s, or at least put together a plan to start paying it off. His wife nearly divorced him when she found out, I credit her for sorting him out.

My parents just took a golden goose and decided to eat all the eggs. I try not to be bitter about it because its not like I was anything but a little bludger, but I still idly wonder how different life would be if dad made smart investment decisions.

On the one hand I'm thankful that I didn't have the same mindset. On the other hand, I wish I had someone around to teach me about money from a young age.

My parents basically blew the chance of a very easy life by being really fucking stupid with money. Dad could have been a multi millionaire by now but is sitting on literally nothing.

And my older brother figured out that if he maxed out as many credit cards as possible by the age of 25 then he could just act like money is monopoly money. What even is debt anyway? 5 figures, 6 figures - who cares? It's just several hundred dollars in minimum payments per month foe the rest of your life...

So now I'm basically allergic to debt. Even good debt. I can barely justify a mortgage or a car. Instead I live out of a suitcase at net zero. The most debt I've ever been in was 4k and that wasn't even for me. I'm only just now at the age of 36 learning how to invest and grow wealth.

action52 posted...

If you're not confident you can resist using the money at least until you can easily pay back the remainder, don't do it.

Also if you use the money, it's not in the account collecting interest, which defeats the whole purpose.

This is a good point.

I originally looked at the offer because I thought buying a car on an interest-free loan is better than a regular car loan, but then I realised...wait, this could actually make me money.

Probably wants to help you celebrate record profits!

LeCh0nk posted...

Why would you not just withdraw what you need from the same savings account you put it in to pay them back? I assume you can just do that.

That's true. I suppose there's a non-zero % chance that I actually use that money at some point.

Turbam posted...

Do remember tho, that because of inflation it's hard to say if it's a 100% yes.

Why would inflation be an issue?

Hexenherz posted...

Eh But are you going to be with the company in five years?

This is why I'm hesitating.

If I chose to leave in say 3 years, I'd have to pay the company back 4k. In that time I'd have generated 1k, which is ok but if I then had to take out a loan to pay back the rets of the amount immediately then it would basically not be worth it.

My company offers an interest free loan up to 10k, no questions asked. The repayment length is agreed and the payments are deducted from your monthly paycheck. The obvious incentive here is that once you owe the company money, you're less likely to leave.

Some people in the office have taken up this offer for things like gaming computers, new cars, etc.

I'm sitting here thinking...why not just stick that in a high interest savings account and leave it? If I borrowed 10k and set the repayment length for 5 years, then in that time I'd earn probably +2k in interest.

As for an exit strategy, I could take out a personal loan to cover the rest, right?

They always ask this when you bring in the most basic ass microwave dinner, lol

What depresses me is when I leave the bubble internet of gamefaqs and subreddits I like, and go into the comments section of the wider internet.

Jesus, the world really hates trans people, gay people and liberals.