The [Official] Cheer Up Thread

2010-10-31 16:37:31

#351

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

Winston_Churchill wrote:
UnkleRukus wrote:
Or buying them used, online for a fraction of the cost. I payed 20 bucks for a book that would have cost me 90.
Err, I dont think you listened. A fair amount of my books are brand new editions. And I bought every book of mine but 1 that wasnt a new edition used. Still cost me about $600 instead of $800ish. Its not thaaat big of a difference

And credit cards are completely necessary here. My debit card has a $200 swipe limit, whereas my credit card has a $1k limit. Want to buy a nice winter jacket? I'd have to walk around with a big wad of cash in my pocket to do so... I never wait to pay it off anyway so I dont see the problem. And building credit is always a plus.

Why the F do you have a swipe limit??? It's your money.

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 16:39:43

#352

Hurricane2k9: Pendulous Sweaty Balls; +1,538|5931|College Park, MD

Hurricane2k9 wrote:
Hurricane2k9 wrote:
JohnG@lt wrote:
Putting anything on credit is a losing proposition. Want to own a home? Save up over 5-10 years and pay cash. Why give the banks hundreds of thousands of dollars?
You'd have to save like $30,000 a year to buy a home in either the hood or the sticks around here.
maybe 20,000 if you find a good deal. And that'd be for a 2BR.

well John?

https://static.bf2s.com/files/user/36793/marylandsig.jpg

2010-10-31 16:39:50

#353

Winston_Churchill: Bazinga!; +521|6968|Toronto | Canada

Because its a student account, no fees on anything but limited everything. I dont want to pay to store my money and credit card is free (actually its better than free since I get Air Miles and credit rating) so its much better to use credit.

2010-10-31 16:42:34

#354

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

Hurricane2k9 wrote:
Hurricane2k9 wrote:
Hurricane2k9 wrote:

You'd have to save like $30,000 a year to buy a home in either the hood or the sticks around here.
maybe 20,000 if you find a good deal. And that'd be for a 2BR.
well John?

Well what? I already said I planned to save 60-70k a year. It's not going to sit in a savings account either. I'm currently up 22% on my investments since June so depending on how those go will be a better judge of when I'll be buying a home.

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 16:42:56

#355

UnkleRukus: That Guy; +236|5265|Massachusetts, USA

Toilet Sex wrote:
UnkleRukus wrote:
Toilet Sex wrote:
poseidon, haibai and rukus comparing fail notes is painful to read
The difference between us is that I'm completely not serious.
the only difference is haibai is probably the most retarded

Well, as long as I'm not the most retarded, I'm okay with it.

If the women don't find ya handsome. They should at least find ya handy.

2010-10-31 16:51:44

#356

Hurricane2k9: Pendulous Sweaty Balls; +1,538|5931|College Park, MD

JohnG@lt wrote:
Hurricane2k9 wrote:
Hurricane2k9 wrote:

maybe 20,000 if you find a good deal. And that'd be for a 2BR.
well John?
Well what? I already said I planned to save 60-70k a year. It's not going to sit in a savings account either. I'm currently up 22% on my investments since June so depending on how those go will be a better judge of when I'll be buying a home.

And what salary are you gonna be making? 60-70K a year in savings is more than what most people make in a year dude.

2010-10-31 16:53:12

#357

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

Hurricane2k9 wrote:
JohnG@lt wrote:
Hurricane2k9 wrote:

well John?
Well what? I already said I planned to save 60-70k a year. It's not going to sit in a savings account either. I'm currently up 22% on my investments since June so depending on how those go will be a better judge of when I'll be buying a home.
And what salary are you gonna be making? 60-70K a year in savings is more than what most people make in a year dude.

Ahh well between me and my gf we'll be close to a net of $200k. About $125k after taxes.

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 17:00:25

#358

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

I know that's not realistic for most, but even on a smaller salary, if you live within your means and don't fall into the trap of thinking that ostentatious displays of wealth are necessary to feel good about yourself, you can get by very well on very little and have a lot to show for it instead of massive debt. It's all about self control and the ability to resist the desire for instant gratification.

Last edited by JohnG@lt (2010-10-31 17:01:04)

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 17:00:56

#359

Toilet Sex: one love, one pig; +1,775|6801

so that's around £12,000 a year then

♥

2010-10-31 17:01:56

#360

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

Toilet Sex wrote:
so that's around £12,000 a year then

$200k is £124,610.59

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 17:02:37

#361

Toilet Sex: one love, one pig; +1,775|6801

loose change

♥

2010-10-31 17:02:40

#362

13/f/taiwan: Member; +940|5928

Toilet Sex wrote:
so that's around £12,000 a year then

2010-10-31 17:07:51

#363

Hurricane2k9: Pendulous Sweaty Balls; +1,538|5931|College Park, MD

JohnG@lt wrote:
I know that's not realistic for most, but even on a smaller salary, if you live within your means and don't fall into the trap of thinking that ostentatious displays of wealth are necessary to feel good about yourself, you can get by very well on very little and have a lot to show for it instead of massive debt. It's all about self control and the ability to resist the desire for instant gratification.

Hmm... you might be on to something. I did a rough calculation and if you really lived frugally and simply, you could save $200,000 on a $50,000 salary in about 8.5 years. But that'd still only get you a house that's pretty far from where work is.

2010-10-31 17:07:57

#364

Blade4509: Wrench turnin' fool; +202|5738|America

https://i238.photobucket.com/albums/ff34/Blade4509/cheer-up-kiddo.gif

"Raise the flag high! Let the degenerates know who comes to claim their lives this day!"

2010-10-31 17:11:29

#365

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

Hurricane2k9 wrote:
JohnG@lt wrote:
I know that's not realistic for most, but even on a smaller salary, if you live within your means and don't fall into the trap of thinking that ostentatious displays of wealth are necessary to feel good about yourself, you can get by very well on very little and have a lot to show for it instead of massive debt. It's all about self control and the ability to resist the desire for instant gratification.
Hmm... you might be on to something. I did a rough calculation and if you really lived frugally and simply, you could save $200,000 on a $50,000 salary in about 8.5 years. But that'd still only get you a house that's pretty far from where work is.

You're ignoring investment. Assume an average annual return of 10-15%. It's amazing how quickly compound interest makes small sums very large.

For example: ($50,000 * (1.15)^8.5) = $164,021.82

50,000 invested at 15% annual for 8.5 years turns into $164k.

Last edited by JohnG@lt (2010-10-31 17:14:38)

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 17:13:50

#366

Hurricane2k9: Pendulous Sweaty Balls; +1,538|5931|College Park, MD

JohnG@lt wrote:
Hurricane2k9 wrote:
JohnG@lt wrote:
I know that's not realistic for most, but even on a smaller salary, if you live within your means and don't fall into the trap of thinking that ostentatious displays of wealth are necessary to feel good about yourself, you can get by very well on very little and have a lot to show for it instead of massive debt. It's all about self control and the ability to resist the desire for instant gratification.
Hmm... you might be on to something. I did a rough calculation and if you really lived frugally and simply, you could save $200,000 on a $50,000 salary in about 8.5 years. But that'd still only get you a house that's pretty far from where work is.
You're ignoring investment. Assume an average annual return of 10-15%. It's amazing how quickly compound interest makes small sums very large.

yeah I have shit luck, I'd probably accidentally invest it in either a pyramid scheme or something that ends up like GM.

2010-10-31 17:15:32

#367

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

Hurricane2k9 wrote:
JohnG@lt wrote:
Hurricane2k9 wrote:

Hmm... you might be on to something. I did a rough calculation and if you really lived frugally and simply, you could save $200,000 on a $50,000 salary in about 8.5 years. But that'd still only get you a house that's pretty far from where work is.
You're ignoring investment. Assume an average annual return of 10-15%. It's amazing how quickly compound interest makes small sums very large.
yeah I have shit luck, I'd probably accidentally invest it in either a pyramid scheme or something that ends up like GM.

I recommend a high yield bond fund if you don't want to do any homework.

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 17:17:55

#368

Hurricane2k9: Pendulous Sweaty Balls; +1,538|5931|College Park, MD

JohnG@lt wrote:
Hurricane2k9 wrote:
JohnG@lt wrote:

You're ignoring investment. Assume an average annual return of 10-15%. It's amazing how quickly compound interest makes small sums very large.
yeah I have shit luck, I'd probably accidentally invest it in either a pyramid scheme or something that ends up like GM.
I recommend a high yield bond fund if you don't want to do any homework.

Duly noted. But I'm guessing that it's not a high yield as stocks?

2010-10-31 17:48:01

#369

mtb0minime: minimember; +2,418|6884

I thought this was the "cheer up" thread, not the "get butthurt and super defensive" thread. Oh no wait, that happens with every thread regarding this particular poster.

And yes, I'm still catching up on the last 5 pages. A great read indeed!

Last edited by mtb0minime (2010-10-31 17:53:21)

2010-10-31 17:48:22

#370

Jay: Bork! Bork! Bork!; +2,006|5587|London, England

Hurricane2k9 wrote:
JohnG@lt wrote:
Hurricane2k9 wrote:

yeah I have shit luck, I'd probably accidentally invest it in either a pyramid scheme or something that ends up like GM.
I recommend a high yield bond fund if you don't want to do any homework.
Duly noted. But I'm guessing that it's not a high yield as stocks?

It's a fixed rate rather than floating like stocks. They have high yields because there's risk involved. Average default rate is about 10% but you counter that by buying into a fund which diversifies for you.

"Ah, you miserable creatures! You who think that you are so great! You who judge humanity to be so small! You who wish to reform everything! Why don't you reform yourselves? That task would be sufficient enough."
-Frederick Bastiat

2010-10-31 17:50:05

#371

HaiBai: Your thoughts, insights, and musings on this matter intrigue me; +304|5713|Bolingbrook, Illinois

Toilet Sex wrote:
UnkleRukus wrote:
Toilet Sex wrote:
poseidon, haibai and rukus comparing fail notes is painful to read
The difference between us is that I'm completely not serious.
the only difference is haibai is probably the most retarded

smarter than you

2010-10-31 17:51:37

#372

Toilet Sex: one love, one pig; +1,775|6801

HaiBai wrote:
Toilet Sex wrote:
UnkleRukus wrote:

The difference between us is that I'm completely not serious.
the only difference is haibai is probably the most retarded
smarter than you

i'd ask you to send proof by mail but you'll struggle

♥

2010-10-31 17:53:01

#373

Macbeth: Banned; +2,444|5815

I liked Toilet Sex before EE chat. Back when he was still background noise on the forum.

2010-10-31 17:54:02

#374

Jenspm: penis; +1,716|6961|St. Andrews / Oslo

HaiBai wrote:
Toilet Sex wrote:
UnkleRukus wrote:

The difference between us is that I'm completely not serious.
the only difference is haibai is probably the most retarded
smarter than you

I remember getting straight-A's in middle/high school without even trying and thinking I was the smartest person in the world.

I wasn't, and neither are you.

https://static.bf2s.com/files/user/26774/flickricon.png

2010-10-31 17:54:46

#375

Toilet Sex: one love, one pig; +1,775|6801

Macbeth wrote:
I liked Toilet Sex before EE chat. Back when he was still background noise on the forum.

♥

BF2S Forums The [Official] Cheer Up Thread

Winston_Churchill wrote:

UnkleRukus wrote:

Hurricane2k9 wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

Hurricane2k9 wrote:

Hurricane2k9 wrote:

Toilet Sex wrote:

UnkleRukus wrote:

Toilet Sex wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

Hurricane2k9 wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

Toilet Sex wrote:

Toilet Sex wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

JohnG@lt wrote:

Hurricane2k9 wrote:

Toilet Sex wrote:

UnkleRukus wrote:

Toilet Sex wrote:

HaiBai wrote:

Toilet Sex wrote:

UnkleRukus wrote:

HaiBai wrote:

Toilet Sex wrote:

UnkleRukus wrote:

Macbeth wrote:

Board footer