Author Topic: Overheard on Facebook  (Read 3220205 times)

Kitsune

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Re: Overheard on Facebook
« Reply #5350 on: October 19, 2016, 10:46:52 AM »
Is American cider literally just apple juice? Even that concentrated stuff you can buy in the supermarket?

Yeah. They call the boozey stuff hard cider.

seanc0x0

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Re: Overheard on Facebook
« Reply #5351 on: October 19, 2016, 10:47:32 AM »
Is American cider literally just apple juice? Even that concentrated stuff you can buy in the supermarket?

It's usually unfiltered apple juice, as far as I can tell. Most often raw (no preservatives) which helps when I convert it to 'real' cider with the addition of yeast. ;)

Friar

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Re: Overheard on Facebook
« Reply #5352 on: October 19, 2016, 11:25:12 AM »
It took me years of being online and reading comments from Americans to realise that they call "cider" is equivalent to freshly pressed apple juice, in the UK.

It always perplexed me why there was a debate as to whether cider counted as one of your five-a-day fruit or vegetables.

Heck, if cider counted then beer, and wine, should as well!

zolotiyeruki

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Re: Overheard on Facebook
« Reply #5353 on: October 19, 2016, 12:01:02 PM »
FWIW, American apple cider often has some spices added to it.  And it's best served piping hot :)

dandarc

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Re: Overheard on Facebook
« Reply #5354 on: October 19, 2016, 12:11:13 PM »
It took me years of being online and reading comments from Americans to realise that they call "cider" is equivalent to freshly pressed apple juice, in the UK.

It always perplexed me why there was a debate as to whether cider counted as one of your five-a-day fruit or vegetables.

Heck, if cider counted then beer, and wine, should as well!
That's a food intake guideline I can get behind.

With This Herring

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Re: Overheard on Facebook
« Reply #5355 on: October 19, 2016, 12:19:27 PM »
Given that... I'm basically on the lookout for fancy-looking-and-tasting non-alcoholic drinks.

I hope you don't mind, but I would also like those drinks, so I made a new thread.

FWIW, American apple cider often has some spices added to it.  And it's best served piping hot :)

Added spices?  Where?  In NYS we are all about apples, and the only (normal, non-alcoholic) cider I've seen with added flavors very carefully specifies it on the label, such as "Sparkling Spiced Pumpkin Cider."  Anything labeled plain "Cider" is going to be pure, unfiltered pressed apple.  You can take a gallon of cider and then purchase some mulling spices to go in it, heat them together, and enjoy (and yes it is the best!), but I've never seen the cider sold with spices already added.

economista

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Re: Overheard on Facebook
« Reply #5356 on: October 20, 2016, 08:50:43 AM »
This morning I was scrolling through my facebook feed while my computer loaded and I came across a post from one of my athlete's moms (I'm a youth coach).  She was complaining that she lives on a cul-de-sac and a moving van broke down right at the end of it, completely blocking the road so she had no way to get her giant SUV out of her street to pick up her son from school.  Someone commented on it and said that she should just walk to the school and her response what that she can't because the school is a mile and a half away. *facepalm* This woman isn't even overweight by normal American standards - a mile and a half walk (or 3 miles total round-trip) shouldn't be that big of an issue!  Apparently the problem was solved when she saw a neighbor come home who lives past where the truck was sitting, and he drove her to pick up her son.

Making Cookies

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Re: Overheard on Facebook
« Reply #5357 on: October 20, 2016, 11:40:14 AM »
Maybe drive that Sports Utility Vehicle through someone's yard just a little and go around the truck?

Hey, turn the 4WD drive on for a moment just to heighten the thrill?!?!? (Probably doesn't know how like many suburbanites).


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Re: Overheard on Facebook
« Reply #5358 on: October 20, 2016, 04:04:30 PM »
This morning I was scrolling through my facebook feed while my computer loaded and I came across a post from one of my athlete's moms (I'm a youth coach).  She was complaining that she lives on a cul-de-sac and a moving van broke down right at the end of it, completely blocking the road so she had no way to get her giant SUV out of her street to pick up her son from school.  Someone commented on it and said that she should just walk to the school and her response what that she can't because the school is a mile and a half away. *facepalm* This woman isn't even overweight by normal American standards - a mile and a half walk (or 3 miles total round-trip) shouldn't be that big of an issue!  Apparently the problem was solved when she saw a neighbor come home who lives past where the truck was sitting, and he drove her to pick up her son.

Maybe she just like the smell of toxic gas fumes when she is lined up idling behind a hundred other SUVs in the school carpark.

MrRealEstate

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Re: Overheard on Facebook
« Reply #5359 on: October 21, 2016, 12:29:41 AM »
This morning I was scrolling through my facebook feed while my computer loaded and I came across a post from one of my athlete's moms (I'm a youth coach).  She was complaining that she lives on a cul-de-sac and a moving van broke down right at the end of it, completely blocking the road so she had no way to get her giant SUV out of her street to pick up her son from school.  Someone commented on it and said that she should just walk to the school and her response what that she can't because the school is a mile and a half away. *facepalm* This woman isn't even overweight by normal American standards - a mile and a half walk (or 3 miles total round-trip) shouldn't be that big of an issue!  Apparently the problem was solved when she saw a neighbor come home who lives past where the truck was sitting, and he drove her to pick up her son.

Maybe she just like the smell of toxic gas fumes when she is lined up idling behind a hundred other SUVs in the school carpark.

or he could always ride the bus, don't schools still do that?

Tjat

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Re: Overheard on Facebook
« Reply #5360 on: October 21, 2016, 05:14:27 AM »
This morning I was scrolling through my facebook feed while my computer loaded and I came across a post from one of my athlete's moms (I'm a youth coach).  She was complaining that she lives on a cul-de-sac and a moving van broke down right at the end of it, completely blocking the road so she had no way to get her giant SUV out of her street to pick up her son from school.  Someone commented on it and said that she should just walk to the school and her response what that she can't because the school is a mile and a half away. *facepalm* This woman isn't even overweight by normal American standards - a mile and a half walk (or 3 miles total round-trip) shouldn't be that big of an issue!  Apparently the problem was solved when she saw a neighbor come home who lives past where the truck was sitting, and he drove her to pick up her son.

Maybe she just like the smell of toxic gas fumes when she is lined up idling behind a hundred other SUVs in the school carpark.

or he could always ride the bus, don't schools still do that?

Now you're just thinking like a commoner. Don't you know mommy's special snowflakes melt on busses?

ketchup

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Re: Overheard on Facebook
« Reply #5361 on: October 21, 2016, 06:09:44 AM »
This morning I was scrolling through my facebook feed while my computer loaded and I came across a post from one of my athlete's moms (I'm a youth coach).  She was complaining that she lives on a cul-de-sac and a moving van broke down right at the end of it, completely blocking the road so she had no way to get her giant SUV out of her street to pick up her son from school.  Someone commented on it and said that she should just walk to the school and her response what that she can't because the school is a mile and a half away. *facepalm* This woman isn't even overweight by normal American standards - a mile and a half walk (or 3 miles total round-trip) shouldn't be that big of an issue!  Apparently the problem was solved when she saw a neighbor come home who lives past where the truck was sitting, and he drove her to pick up her son.

Maybe she just like the smell of toxic gas fumes when she is lined up idling behind a hundred other SUVs in the school carpark.

or he could always ride the bus, don't schools still do that?
I know for where I grew up, a mile and a half was the cutoff for the bus picking you up.  It was assumed kids were capable of walking any less than that....

runningthroughFIRE

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Re: Overheard on Facebook
« Reply #5362 on: October 21, 2016, 08:02:02 AM »
This morning I was scrolling through my facebook feed while my computer loaded and I came across a post from one of my athlete's moms (I'm a youth coach).  She was complaining that she lives on a cul-de-sac and a moving van broke down right at the end of it, completely blocking the road so she had no way to get her giant SUV out of her street to pick up her son from school.  Someone commented on it and said that she should just walk to the school and her response what that she can't because the school is a mile and a half away. *facepalm* This woman isn't even overweight by normal American standards - a mile and a half walk (or 3 miles total round-trip) shouldn't be that big of an issue!  Apparently the problem was solved when she saw a neighbor come home who lives past where the truck was sitting, and he drove her to pick up her son.

Maybe she just like the smell of toxic gas fumes when she is lined up idling behind a hundred other SUVs in the school carpark.

or he could always ride the bus, don't schools still do that?
I know for where I grew up, a mile and a half was the cutoff for the bus picking you up.  It was assumed kids were capable of walking any less than that....
I wonder how much of this mindset is a consequence of where you live/habits formed.  When I visit my home town I don't think twice about driving a mile for a quick errand or to meet someone, but in my current town I am loathe to use my car for anything that doesn't involve a highway.  If I'm not actively thinking about it I forget all about the cognitive dissonance there.

ohsnap

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Re: Overheard on Facebook
« Reply #5363 on: October 21, 2016, 06:57:52 PM »
...

or he could always ride the bus, don't schools still do that?

No, none of the elementary or middle schools in my area provide bus service anymore.  I think the high schools do; because there are so few of them students are farther away.

But the close proximity of schools to their students doesn't stop the SUV line-up at my local elementary and middle school.  Seriously, I don't leave my house by car between 8-8:45 AM, or 2:30-3:30PM, because traffic is so bad.  The cars start lining up about 30 minutes before school lets out, so by T-25 minutes one lane of traffic is completely blocked.  The elementary students in particular all live within a mile of the school.  WHY CAN'T THEY WALK?

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Re: Overheard on Facebook
« Reply #5364 on: October 21, 2016, 07:25:27 PM »
Here, K and Grade 1 must be picked up by an adult.  In California, kids up to grade 3 were expected (not mandatory, but EXPECTED to be picked up by an adult)

   I don't know why the adults don't walk, but they often don't.. maybe between running errands or something in the car, don't have the time, etc..?

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Re: Overheard on Facebook
« Reply #5365 on: October 21, 2016, 09:58:06 PM »
Here, K and Grade 1 must be picked up by an adult.  In California, kids up to grade 3 were expected (not mandatory, but EXPECTED to be picked up by an adult)

   I don't know why the adults don't walk, but they often don't.. maybe between running errands or something in the car, don't have the time, etc..?

My tiny brain just exploded. There's no good reason children from the same neighborhood can't walk together in packs. It helps them learn social skills.

kayvent

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Re: Overheard on Facebook
« Reply #5366 on: October 22, 2016, 05:22:50 AM »
Here, K and Grade 1 must be picked up by an adult.  In California, kids up to grade 3 were expected (not mandatory, but EXPECTED to be picked up by an adult)

   I don't know why the adults don't walk, but they often don't.. maybe between running errands or something in the car, don't have the time, etc..?

My tiny brain just exploded. There's no good reason children from the same neighborhood can't walk together in packs. It helps them learn social skills.

<sarcasm>What about those filthy Irish lurking the streets? </sarcasm> This is one of the downsides of having a heterogeneous culture. In countries where they have 95+% of the same ethnic group, Japan comes to mind, letting kids that young or younger travel without their parents/alone/with their peers isn't uncommon. It's just assumed if they need help that anyone of the adults around will jump into action.

Imustacheyouaquestion

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Re: Overheard on Facebook
« Reply #5367 on: October 22, 2016, 06:41:07 AM »
A friend posted this picture of sushi on Instagram.

2 days later, her tooth is broken and she can't afford emergency dental work. Posts about ordering Papa John's pizza that night. Then: "Being an adult is 90% worrying about money and 10% spending money you don't have on treats because you've worried a lot this week."

In the comments: "A crown alone is $1500 or so. This is why I hadn't gone to the dentist. Like, where will I find $1500? I already have my ultrasounds and heart tests and everything else on my credit card. It's almost maxed out and I can barely make the monthly payment. And, my car registration is due by the end of the month. $216. I'm not whining about it. It's just a fact. I made $28,000 last year. I am about to turn 41 and I don't even have a savings account or a retirement account. So, when people share some bullshit meme about spending $5 a day on coffee and saving that to go buy a plane ticket anywhere in the world instead, I want to punch them in the fucking face. Sometimes poor people are just poor. And, the next person who tells me that Dave Ramsey's books can help me can also get a big fat punch in the fucking face."

I appreciate that her situation is difficult, it's expensive to be poor in America, and skipping a night of sushi or pizza wouldn't come close to  fixing her fundamental lack of money problem. But how do you not see that "spending money you don't have on treats because you're so stressed about money" is making your money problems worse?

mm1970

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Re: Overheard on Facebook
« Reply #5368 on: October 22, 2016, 12:05:46 PM »
Here, K and Grade 1 must be picked up by an adult.  In California, kids up to grade 3 were expected (not mandatory, but EXPECTED to be picked up by an adult)

   I don't know why the adults don't walk, but they often don't.. maybe between running errands or something in the car, don't have the time, etc..?

My tiny brain just exploded. There's no good reason children from the same neighborhood can't walk together in packs. It helps them learn social skills.
My own personal experiences and friends:

1. (Elementary age here): parents aren't at home.  Kids aren't walking home in packs because their parents are working.  This means...
- When they do get picked up, they get picked up individually, whenever said parents are done with work.

2. Safety of the particular 'hood.  We walk to school once/week with the kids.  There are 2 families that do it regularly.  Plus 1 that does it sometimes and a fourth that talks about it a lot.  Family #4 lives a distance further away and talks about just dropping her son off at our corner and letting them all go together by themselves!
- Unfortunately, the first section up the hill has no sidewalk.  The next section has a very narrow sidewalk that is rounded and painted white at the curb - and you can CLEARLY see where cars have gone up over the side.  This section of street is very narrow and twisty and uphill, and people drive too fast.  It's nerve wracking to say the least.

- The friend who talks about "letting them all go because it's good for them" has a 5th grader.  In the group, there are four 5th graders.  A third grader.  A first grader.  A kindergartener.

Yah, the fifth and 3rd graders, fine.  But 1st and kinder?  No way.  Not on that street. Even once they get to the "real" sidewalk, there are 3 streets to cross and I've often seen cars run the stop signs.

mm1970

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Re: Overheard on Facebook
« Reply #5369 on: October 22, 2016, 12:10:53 PM »
Quote
I appreciate that her situation is difficult, it's expensive to be poor in America, and skipping a night of sushi or pizza wouldn't come close to  fixing her fundamental lack of money problem. But how do you not see that "spending money you don't have on treats because you're so stressed about money" is making your money problems worse?

A couple of things at work here:
- Stress for sure makes it worse, and makes people stupid.  Physical reasons for this.  Have to take that into account.

- "Big picture".  You are being nice about saying how skipping a night of sushi or pizza won't fix things.  (It's true.)  But for how many people is it only a night?  I can only speak for my friends who seem to eat out multiple times a week, or at least weekly.  We go through streaks like that too, but a typical month will see us eating out maybe 2x.

I mean, seriously,
- >50% of the money spent on food in the US is on eating out.  Stop doing that.  Save money
- I once calculated that by packing my lunch and hubby's lunch and kiddo's lunch (when there were only 3 of us) saved $3500 a year, or a new Civic in 5 years.
- For a single person, that $3500 is probably $1500.  There's your crown.

Then again, when I was a kid - paying for the doctor or dentist (we had no insurance for most of the time), and paying for food and utilities, came before TVs, VCRs, cable (there wasn't cable), vacations, eating out, etc.

Metric Mouse

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Re: Overheard on Facebook
« Reply #5370 on: October 22, 2016, 09:23:56 PM »
A friend posted this picture of sushi on Instagram.

2 days later, her tooth is broken and she can't afford emergency dental work. Posts about ordering Papa John's pizza that night. Then: "Being an adult is 90% worrying about money and 10% spending money you don't have on treats because you've worried a lot this week."

In the comments: "A crown alone is $1500 or so. This is why I hadn't gone to the dentist. Like, where will I find $1500? I already have my ultrasounds and heart tests and everything else on my credit card. It's almost maxed out and I can barely make the monthly payment. And, my car registration is due by the end of the month. $216. I'm not whining about it. It's just a fact. I made $28,000 last year. I am about to turn 41 and I don't even have a savings account or a retirement account. So, when people share some bullshit meme about spending $5 a day on coffee and saving that to go buy a plane ticket anywhere in the world instead, I want to punch them in the fucking face. Sometimes poor people are just poor. And, the next person who tells me that Dave Ramsey's books can help me can also get a big fat punch in the fucking face."

I appreciate that her situation is difficult, it's expensive to be poor in America, and skipping a night of sushi or pizza wouldn't come close to  fixing her fundamental lack of money problem. But how do you not see that "spending money you don't have on treats because you're so stressed about money" is making your money problems worse?

That sushi does look amazing though. And super healthy. And she does know about face-punches... so there may be progress there?

frugalnacho

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Re: Overheard on Facebook
« Reply #5371 on: October 22, 2016, 10:12:26 PM »
How can anyone have predicted they might require dental work* at some point in their life?

*insert anything else that is 100% guaranteed to happen multiple times over your life time

coin

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Re: Overheard on Facebook
« Reply #5372 on: October 23, 2016, 09:12:52 AM »
Recently my younger brother mentioned to me on Facebook that our dad bought our cousin a car.  Well, gave her the money to buy a car since she lives interstate, but you know what I mean.  He was surprised:  Our dad wouldn't do that for any of us - his own kids - so why would he do that for our cousin?

While I didn't know about that specific situation, I'm not surprised at all.  I love my family, but I know there's a bit of a problematic relationship dynamic between my uncle and his kids.  The kids see their dad as an unending well of support (both emotional and financial), while in reality, my uncle needs to focus on saving for his and his wife's retirements (given she's unwell) rather than constantly bailing his kids out of whatever crisis they're currently going through. 

My dad knows this and has the capacity to help out, so he does.  My uncle is his oldest friend, so in his mind, giving my cousins economic outpatient care helping out my cousins is keeping them from hitting up my uncle for money, thus helping my uncle. 

I'm not sure what to tell my brother, if anything.  On the one hand, I don't want to say anything lest it sound overly critical.  On the other, I kinda want to tell him that our dad does this as a favour to our uncle, and that we should try our best to never find ourselves in a similar situation as our cousin.

Travis

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Re: Overheard on Facebook
« Reply #5373 on: October 23, 2016, 09:52:38 AM »
$216 car registration? Aren't registration prices usually based on the price of the vehicle?  Did this person spend their entire salary on the car?

$5/day for coffee x 20 work days a month x 12 months is $1200. How often do you break a tooth?

RWD

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Re: Overheard on Facebook
« Reply #5374 on: October 23, 2016, 04:09:34 PM »
$216 car registration? Aren't registration prices usually based on the price of the vehicle?  Did this person spend their entire salary on the car?

Depends on the state. Also, you could live in Georgia that has a $200 additional flat charge for electric vehicles.


Edit: 1000 posts!
« Last Edit: October 23, 2016, 04:11:31 PM by RWD »

zolotiyeruki

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Re: Overheard on Facebook
« Reply #5375 on: October 23, 2016, 08:27:10 PM »
I've got one!  Here it is:



Because making the minimum payments on a student loan is a sure way to get them paid off...

Metric Mouse

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Re: Overheard on Facebook
« Reply #5376 on: October 23, 2016, 08:36:20 PM »
I've got one!  Here it is:



Because making the minimum payments on a student loan is a sure way to get them paid off...

And putting them 'faithfully' in to deference a time or two...

Travis

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Re: Overheard on Facebook
« Reply #5377 on: October 23, 2016, 09:53:22 PM »
I've got one!  Here it is:



Because making the minimum payments on a student loan is a sure way to get them paid off...

And putting them 'faithfully' in to deference a time or two...

I tried to run the numbers on this meme a few days ago and came up with either an outrageous interest rate (for a student loan) or a ridiculously low monthly payment.  Is it even possible to have a loan structured to where your balance just keeps going up?

BDWW

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Re: Overheard on Facebook
« Reply #5378 on: October 23, 2016, 09:57:02 PM »
$216 car registration? Aren't registration prices usually based on the price of the vehicle?  Did this person spend their entire salary on the car?

Depends on the state. Also, you could live in Georgia that has a $200 additional flat charge for electric vehicles.


Edit: 1000 posts!

MT taxes registration quite a bit, I assume because we have no sales tax. In addition to state tax, each county can levy an additional tax. I happen to live in a greedy expensive county, registration is always over $300.  I've heard people complain about $600+ on new vehicles.

BDWW

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Re: Overheard on Facebook
« Reply #5379 on: October 23, 2016, 09:59:22 PM »
I've got one!  Here it is:



Because making the minimum payments on a student loan is a sure way to get them paid off...

And putting them 'faithfully' in to deference a time or two...

I tried to run the numbers on this meme a few days ago and came up with either an outrageous interest rate (for a student loan) or a ridiculously low monthly payment.  Is it even possible to have a loan structured to where your balance just keeps going up?

You can defer student loan payments for hardship. The loan stays in good standing, but continues to accrue interest. Also for lesser hardship, they will accept reduced payments, less than the minimum, that help, but don't actually keep up with interest.

Metric Mouse

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Re: Overheard on Facebook
« Reply #5380 on: October 23, 2016, 10:00:19 PM »
You can defer student loan payments for hardship. The loan stays in good standing, but continues to accrue interest. Also for lesser hardship, they will accept reduced payments, less than the minimum, that help, but don't actually keep up with interest.

This is my guess of what happened.

I guess that information didn't fit on their sign :P

Making Cookies

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Re: Overheard on Facebook
« Reply #5381 on: October 24, 2016, 07:35:07 AM »
Recently my younger brother mentioned to me on Facebook that our dad bought our cousin a car.  Well, gave her the money to buy a car since she lives interstate, but you know what I mean.  He was surprised:  Our dad wouldn't do that for any of us - his own kids - so why would he do that for our cousin?

While I didn't know about that specific situation, I'm not surprised at all.  I love my family, but I know there's a bit of a problematic relationship dynamic between my uncle and his kids.  The kids see their dad as an unending well of support (both emotional and financial), while in reality, my uncle needs to focus on saving for his and his wife's retirements (given she's unwell) rather than constantly bailing his kids out of whatever crisis they're currently going through. 

My dad knows this and has the capacity to help out, so he does.  My uncle is his oldest friend, so in his mind, giving my cousins economic outpatient care helping out my cousins is keeping them from hitting up my uncle for money, thus helping my uncle. 

I'm not sure what to tell my brother, if anything.  On the one hand, I don't want to say anything lest it sound overly critical.  On the other, I kinda want to tell him that our dad does this as a favour to our uncle, and that we should try our best to never find ourselves in a similar situation as our cousin.


Uhhh - teach the uncle's children to support themselves? I've never asked for a car and got by pretty well despite this. Doesn't take much money to buy a presentable commuter car. Something with heat/air and a shiny paint job. Won't be something anyone wants to do a magazine photo shoot about but whatever....

Gin1984

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Re: Overheard on Facebook
« Reply #5382 on: October 24, 2016, 07:54:31 AM »
Here, K and Grade 1 must be picked up by an adult.  In California, kids up to grade 3 were expected (not mandatory, but EXPECTED to be picked up by an adult)

   I don't know why the adults don't walk, but they often don't.. maybe between running errands or something in the car, don't have the time, etc..?

My tiny brain just exploded. There's no good reason children from the same neighborhood can't walk together in packs. It helps them learn social skills.

<sarcasm>What about those filthy Irish lurking the streets? </sarcasm> This is one of the downsides of having a heterogeneous culture. In countries where they have 95+% of the same ethnic group, Japan comes to mind, letting kids that young or younger travel without their parents/alone/with their peers isn't uncommon. It's just assumed if they need help that anyone of the adults around will jump into action.
Not really.  I walked home in grammar school with a friend, my mom walked home as a kid with her sibs (and other kids in the neighborhood).  Neither of us lived in an area with the same ethnic group. 

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Re: Overheard on Facebook
« Reply #5383 on: October 24, 2016, 08:38:03 AM »
A friend posted this picture of sushi on Instagram.

2 days later, her tooth is broken and she can't afford emergency dental work. Posts about ordering Papa John's pizza that night. Then: "Being an adult is 90% worrying about money and 10% spending money you don't have on treats because you've worried a lot this week."

In the comments: "A crown alone is $1500 or so. This is why I hadn't gone to the dentist. Like, where will I find $1500? I already have my ultrasounds and heart tests and everything else on my credit card. It's almost maxed out and I can barely make the monthly payment. And, my car registration is due by the end of the month. $216. I'm not whining about it. It's just a fact. I made $28,000 last year. I am about to turn 41 and I don't even have a savings account or a retirement account. So, when people share some bullshit meme about spending $5 a day on coffee and saving that to go buy a plane ticket anywhere in the world instead, I want to punch them in the fucking face. Sometimes poor people are just poor. And, the next person who tells me that Dave Ramsey's books can help me can also get a big fat punch in the fucking face."

I appreciate that her situation is difficult, it's expensive to be poor in America, and skipping a night of sushi or pizza wouldn't come close to  fixing her fundamental lack of money problem. But how do you not see that "spending money you don't have on treats because you're so stressed about money" is making your money problems worse?

I completely understand being poor and not making a lot of money.  However, she is blind to the fact that her spending money she doesn't have will not fix her stress about money.  And taking her comment about being poor in context with the rest of her quote reminds me of the saying "Poor is a mindset, broke is just passing through" which, if I remember correctly, is something I have heard Dave Ramsey say.

ditheca

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Re: Overheard on Facebook
« Reply #5384 on: October 24, 2016, 11:22:33 AM »
I tried to run the numbers on this meme a few days ago and came up with either an outrageous interest rate (for a student loan) or a ridiculously low monthly payment.  Is it even possible to have a loan structured to where your balance just keeps going up?

Yes, student loans can be structured so they continue to increase. I have two relatives with masters degrees who never managed to get a job that requires any degree.  One makes $14/hr working full time retail, and his income-based payments on the debt don't even cover the interest.  After so many years, I heard he's due to 'owe' over $1 million soon.

At this point the debt figure is purely academic; he and the system both know it will never be paid off.  I think there is a system where you can get it forgiven if you pay on time for 25 years in a row or something like that.  I doubt many people with financial problems are able to qualify for that forgiveness...


Making Cookies

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Re: Overheard on Facebook
« Reply #5385 on: October 24, 2016, 02:52:17 PM »
At this point the debt figure is purely academic; he and the system both know it will never be paid off.  I think there is a system where you can get it forgiven if you pay on time for 25 years in a row or something like that.

GOOD GOSH! I didn't know that was even possible.

AlanStache

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Re: Overheard on Facebook
« Reply #5386 on: October 24, 2016, 03:04:04 PM »
I tried to run the numbers on this meme a few days ago and came up with either an outrageous interest rate (for a student loan) or a ridiculously low monthly payment.  Is it even possible to have a loan structured to where your balance just keeps going up?

Yes, student loans can be structured so they continue to increase. I have two relatives with masters degrees who never managed to get a job that requires any degree.  One makes $14/hr working full time retail, and his income-based payments on the debt don't even cover the interest.  After so many years, I heard he's due to 'owe' over $1 million soon.

At this point the debt figure is purely academic; he and the system both know it will never be paid off.  I think there is a system where you can get it forgiven if you pay on time for 25 years in a row or something like that.  I doubt many people with financial problems are able to qualify for that forgiveness...

At this point is there any incentive for your relative to get a better paying job?  Would a very large portion of any new income go directly to the student loan debt?

zephyr911

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Re: Overheard on Facebook
« Reply #5387 on: October 24, 2016, 03:15:50 PM »
I've got one!  Here it is:



Because making the minimum payments on a student loan is a sure way to get them paid off...
I saw that thing (again) recently and rolled eyes as usual. There's not enough information to prove shit. Even if it's true, so what? Why is it true? As noted, too many variables.
Not even a bank wants to write a loan with negative amortization.

A friend posted this picture of sushi on Instagram.

2 days later, her tooth is broken and she can't afford emergency dental work. Posts about ordering Papa John's pizza that night. Then: "Being an adult is 90% worrying about money and 10% spending money you don't have on treats because you've worried a lot this week."

In the comments: "A crown alone is $1500 or so. This is why I hadn't gone to the dentist. Like, where will I find $1500? I already have my ultrasounds and heart tests and everything else on my credit card. It's almost maxed out and I can barely make the monthly payment. And, my car registration is due by the end of the month. $216. I'm not whining about it. It's just a fact. I made $28,000 last year. I am about to turn 41 and I don't even have a savings account or a retirement account. So, when people share some bullshit meme about spending $5 a day on coffee and saving that to go buy a plane ticket anywhere in the world instead, I want to punch them in the fucking face. Sometimes poor people are just poor. And, the next person who tells me that Dave Ramsey's books can help me can also get a big fat punch in the fucking face."

I appreciate that her situation is difficult, it's expensive to be poor in America, and skipping a night of sushi or pizza wouldn't come close to  fixing her fundamental lack of money problem. But how do you not see that "spending money you don't have on treats because you're so stressed about money" is making your money problems worse?
Plus, that's way the fuck more than $5 worth of sushi. I love how she's essentially threatening anyone who would call her out for lying to herself about the causes of her situation.

Oh, total coincidence: TIL that I need a crown too, and thanks to MMM, I can comfortably shit the $450 copay out of normal cash flow. I'll have to invest a little less next month... oh well.

Half-Borg

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Re: Overheard on Facebook
« Reply #5388 on: October 25, 2016, 06:49:39 AM »
This happens so often, that I can't count.
Someone says how long they saved for a vacation/dental works/electronics, while I'm thinking: "I pay that out of cash flow"

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Re: Overheard on Facebook
« Reply #5389 on: October 25, 2016, 07:07:52 AM »
This happens so often, that I can't count.
Someone says how long they saved for a vacation/dental works/electronics, while I'm thinking: "I pay that out of cash flow"

Well, to be fair, a lot of the time when that happens to me, I know for a fact that my household income is about 3-4 times what theirs is (and, to be clear: our household income is decent and we're running 2 average canadian salaries in a relatively LCOL area, but we're not bringing in the big bucks either!) What your cashflow is does kind of depend on your allocations of money, but also on how much money there is to go around, period.

Making Cookies

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Re: Overheard on Facebook
« Reply #5390 on: October 25, 2016, 07:15:38 AM »
Sometimes you might make more money but your lower income friend spends far more on "stuff and things" further worsening their savings situation making their cash flow problem a "DUH!" moment.

Feels good to be wise enough to put back some acorns for later. In my case it was education by failures. Don't want to be broke? Do something about it!

Kitsune

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Re: Overheard on Facebook
« Reply #5391 on: October 25, 2016, 07:38:09 AM »
Sometimes you might make more money but your lower income friend spends far more on "stuff and things" further worsening their savings situation making their cash flow problem a "DUH!" moment.

Feels good to be wise enough to put back some acorns for later. In my case it was education by failures. Don't want to be broke? Do something about it!

Oh, yeah, totally. If you make half what I do but spend more than I do, that's just not gonna work at some point.

But I have low-income friends who DO save, but... y'know. Less. Because there's less to go around. And that's not actually shameful, that's just a fact of life/math.

Half-Borg

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Re: Overheard on Facebook
« Reply #5392 on: October 25, 2016, 07:53:24 AM »
This happens so often, that I can't count.
Someone says how long they saved for a vacation/dental works/electronics, while I'm thinking: "I pay that out of cash flow"

Well, to be fair, a lot of the time when that happens to me, I know for a fact that my household income is about 3-4 times what theirs is (and, to be clear: our household income is decent and we're running 2 average canadian salaries in a relatively LCOL area, but we're not bringing in the big bucks either!) What your cashflow is does kind of depend on your allocations of money, but also on how much money there is to go around, period.

Obviously, you're right.
But the people I'm talking about are of the same age, the same income level and the same amount of kids (none).
Most of them even are DINKs, so there is really no excuse.

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Re: Overheard on Facebook
« Reply #5393 on: October 25, 2016, 08:07:53 AM »
This happens so often, that I can't count.
Someone says how long they saved for a vacation/dental works/electronics, while I'm thinking: "I pay that out of cash flow"

Well, to be fair, a lot of the time when that happens to me, I know for a fact that my household income is about 3-4 times what theirs is (and, to be clear: our household income is decent and we're running 2 average canadian salaries in a relatively LCOL area, but we're not bringing in the big bucks either!) What your cashflow is does kind of depend on your allocations of money, but also on how much money there is to go around, period.

Obviously, you're right.
But the people I'm talking about are of the same age, the same income level and the same amount of kids (none).
Most of them even are DINKs, so there is really no excuse.

At least they saved for it rather than putting it on a credit card they cannot pay right away?

kimmarg

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Re: Overheard on Facebook
« Reply #5394 on: October 25, 2016, 08:27:38 AM »
$216 car registration? Aren't registration prices usually based on the price of the vehicle?  Did this person spend their entire salary on the car?


My 2013 Honda Fit registers for that in my state. Depends where you live....

zolotiyeruki

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Re: Overheard on Facebook
« Reply #5395 on: October 25, 2016, 10:16:31 AM »
Yeah, registration in Texas was $55/year. Here in IL it's $101.  In some places it's based on the value of the car and/or its age.

One thing that caught DW and me by surprise was when we moved to TX and had to pay a bunch more to register our car for the first time.  That was annoying.

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Re: Overheard on Facebook
« Reply #5396 on: October 25, 2016, 12:47:56 PM »
Registration for my wife's 2011 Mazda 3 (frugal vehicle worth about $6k) in California was $230 just last month.

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Re: Overheard on Facebook
« Reply #5397 on: October 27, 2016, 11:38:47 AM »


Someone actually signed this car loan and now owe over 34k on it.  They've wised up and are trying to get out of it, but market value is only 12k, so they're considering a voluntary repo.

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Re: Overheard on Facebook
« Reply #5398 on: October 27, 2016, 12:02:06 PM »
Someone actually signed this car loan and now owe over 34k on it.  They've wised up and are trying to get out of it, but market value is only 12k, so they're considering a voluntary repo.
How is it even legal to have the payment amount so low that it doesn't even cover interest? Also, I'm trying to figure out why the financed amount is so much more than the sales price. Were they upside down on a trade-in?

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Re: Overheard on Facebook
« Reply #5399 on: October 27, 2016, 12:20:50 PM »
Someone actually signed this car loan and now owe over 34k on it.  They've wised up and are trying to get out of it, but market value is only 12k, so they're considering a voluntary repo.
How is it even legal to have the payment amount so low that it doesn't even cover interest? Also, I'm trying to figure out why the financed amount is so much more than the sales price. Were they upside down on a trade-in?

Not sure on the payment being too low to cover interest.  My guess is the salesman convinced them to buy the extended warranty, gap insurance, etc along with rolling in the balance of the trade-in.