2011 Off topic thread(basketball,movies,etc whatever)

[flyinggogoplata]

There are alternatives. Buy a house on contract. Kick your roomates out and get some that pay. Live with your parents. Rent a cheaper place. Work more hours. Deliver pizza at night. Start a business picking up dogshit on the weekends. Learn a skill that has some value so you don't get laid off. Become a doctor. Sell your body on Craigslist. These are choices you are making.

Well a few things here. Buy a house on contract? I will look into what that is. First of my "roomates" are family so kicking out would be tough. Live with my parents? Well as you know the situation with my mom, that's out of the question. And my dad does live with me and he's unemployed. My other "roomate" is an elderly grandmother kicking her out is possible but would be a shitty thing to do. I really can't get a cheaper place. Working more hours is possible but its not going to make or brake me into making a enough to buy a house. I might start a dogshit business that's good advice. I have a good skill of system administrator but companies are laying off. I'm not sure what mindset you think I'm stuck in but it's a fact the economy sucks and is only getting worse.

[poopoo333]

If I were willing to do the things required to become rich, I have no doubt that I could become rich in a short period of time. But, I don't have the motivation.

Explain breh. Teach us

[flyinggogoplata]

There are definite corporate interests driving things. That is one of the major problems for sure.

As for the stock market, it is not rigged. Timing is bad sometimes, but if you are nearing retirement you should be taking your money out of stocks and putting into less volatile investments. But yeah, it is some bullshit for sure when CEO is taking millions of dollars in salary for himself, while the taxpayers bail out the company's poor decisions. The bankruptcy laws are also some bullshit in that regard. Stupid bank makes a bad risk, and also charges their customers for the risk in the form of interest rates ... but then when the obvious default happens, they go lobby congress to toughen the bankruptcy laws so they don't have to pay the price for the stupid risk they took mailing credit card offers to every person on the planet.

There is definitely some bull shit happening with corporate lobbying. I don't deny that at all.

I think we actually agree on something here. Btw scientist did you forget this in the atm???

[flyinggogoplata]

Explain breh. Teach us

for real, me and poopoo will be your lackeys so you can retire down to costa rica.

[Mr. IWS]

I think we actually agree on something here. Btw scientist did you forget this in the atm???

How can you even have that much cash in a bank account? I thought it was only insured up to 250k.

I am mirin though

[flyinggogoplata]

How can you even have that much cash in a bank account? I thought it was only insured up to 250k.

I am mirin though

idk, we will have to ask scientist.

[SPX]

A few things here. . .

1. I wasn't trolling about the Step Up movies. Y'all should know by now that I can appreciate all kinds of different films, even stupid teen movies.

2. I disagree about it being cheaper to rent than to own. Yes, it may be cheaper to buy a piece of shit house is a slummy neighborhood than it is to rent a nice apartment in a nice neighborhood, but it's not cheaper to buy a house in a nice neighborhood than it is to rent an apartment there. I live in a very desirable area of Salt Lake where you can get an apartment for between $600 and $1000, depending on the specifics, and my friend pays $1200 a month for his house note in a much less desirable area and it's not even that nice of a house.

3. Buying a house isn't easy. Not only do you need good enough credit (which not everyone has) but you also have to have a down payment of at least $10,000. It would be extremely difficult for me to save up $10,000 in cash and would probably take several years.

4. Delivering pizzas is a decent side job. I actually when that for a few months when I was 23 and it was actually kind of nice. You just get to roll around in your car and listen to music and shit. I introduced myself to a lot of new bands and also started getting into talk radio. It was cool.

5. If you're single and without debts, you can definitely live a decent middle-class lifestyle. Though Scientist is right that there is no hard definition on what is middle-class.

6. Side, if you are making less than $20K a year and having to try to support two other people, then how the fuck do you have money to gamble with?

7. That ATM slip is insane.

[SPX]

New Van Damme movie:

[poopoo333]

My restaurant used to deliver food, and I delivered for them. I enjoyed it while it lasted, it was a relaxing job. I actually just responded to an ad on craigslist (hehe) to a new pizzeria in town to deliver. If it works out I might get that as a 2nd job.

[SPX]

I loved driving and it was all I wanted to do. They tried to get me to learn to work the make line and take orders and shit for when there were no deliveries but I pretty much just refused. So all I did was fold boxes and deliver. I agree, it's relaxing. Plus, because of tips, you're never without at least a little bit of money in your pocket.

[MMA_scientist]

Explain breh. Teach us

Work more. Spend less. Start a business.

There is not one person on this site that doesn't have AT LEAST the capacity to earn $50k. Work that job plus another job. Only sleep and work. Save and invest all of your money. You will be "rich" in a matter of a few years. If you want a shortcut, start a business, almost every rich person I have ever met was an entrepreneur.

It would suck too bad to actually do, but it is a choice you make. If I wanted it badly enough, I have no doubt I could do it. I just don't want to trade the other things that I value more than money (time, family, friends).

[MMA_scientist]

A few things here. . .

1. I wasn't trolling about the Step Up movies. Y'all should know by now that I can appreciate all kinds of different films, even stupid teen movies.

I know you weren't, that is why it hurts so much.

2. I disagree about it being cheaper to rent than to own. Yes, it may be cheaper to buy a piece of shit house is a slummy neighborhood than it is to rent a nice apartment in a nice neighborhood, but it's not cheaper to buy a house in a nice neighborhood than it is to rent an apartment there. I live in a very desirable area of Salt Lake where you can get an apartment for between $600 and $1000, depending on the specifics, and my friend pays $1200 a month for his house note in a much less desirable area and it's not even that nice of a house.

I don't know what the housing market is like in SLC, but $1200 per month is probably about a $200,000 home... In most areas, you are talking about a fairly large house, 2000 square feet or so. His house may be shitty, but it is a lot bigger than an apartment and it probably has a yard too. If he wants to buy an equivalent house, say 900 feet or so, probably looking at about a $500 mortgage payment. But that may not buy anything in SLC, I don't know. But it is true, you can't buy in the city. BUt then again, that is a choice you are making.

3. Buying a house isn't easy. Not only do you need good enough credit (which not everyone has) but you also have to have a down payment of at least $10,000. It would be extremely difficult for me to save up $10,000 in cash and would probably take several years.

Credit is not that difficult to come by, just pay your bills. I have never done anything specifically to build my credit, and I have managed buy houses. As for saving up, spend less, work more. Not saying it is easy, but again, if you wanted to do it, you could save $10k in a few months. Move home, work 2 jobs, spend nothing.

4. Delivering pizzas is a decent side job. I actually when that for a few months when I was 23 and it was actually kind of nice. You just get to roll around in your car and listen to music and shit. I introduced myself to a lot of new bands and also started getting into talk radio. It was cool.

I delivered pixxas for 3 years. It was awesome. I would make $100 for 5 hours sometimes on the weekend nights. On average, I bet I made $10 per hour, which was a lot to me. I did have to wash dishes though.

5. If you're single and without debts, you can definitely live a decent middle-class lifestyle. Though Scientist is right that there is no hard definition on what is middle-class.

It is all about living within your means.

6. Side, if you are making less than $20K a year and having to try to support two other people, then how the fuck do you have money to gamble with?

I won't even ask about the crack.

[poopoo333]

Yeah I am hoping I can get that 2nd job delivering. The snowbirds aare gone from Florida so the restaurant has been real slow and I am only averaging 8 to 9 bucks an hour. When it is "season" I make anywhere from 12 to 18 an hour.

[poopoo333]

Speaking of saving money, I need to get better at that. I am pretty sure I am going to finish college locally and live at home. There is no point in moving away for 2 years to learn/spend a bunch of money while potentially fucking up partying and shit.

[MMA_scientist]

Speaking of saving money, I need to get better at that. I am pretty sure I am going to finish college locally and live at home. There is no point in moving away for 2 years to learn/spend a bunch of money while potentially fucking up partying and shit.

I agree from a purely financial standpoint. But on the flip side, you only live once. College is a good time. Just don't fuck up or spend a bunch of money.