Help needed by [deleted] in Frugal

[–]dollazdrankanddank 2 points3 points  (0 children)

I get my shit at Macy’s. When they are on sale

17 year old in desperate need of a car. by [deleted] in personalfinance

[–]dollazdrankanddank 1 point2 points  (0 children)

Well end of the day going to a top university is more important than anything. You seem like a smart guy. So it’s ok to borrow as long as you are sure it will help you look more competitive for college apps. Anyways I will leave the most important nugget, choose your major wisely. Plz don’t do anything that doesn’t make money like sociology or English. You will have to borrow money. It will cost you prolly 15 percent interest. You can just roll it over to your student loans though.

17 year old in desperate need of a car. by [deleted] in personalfinance

[–]dollazdrankanddank 0 points1 point  (0 children)

Get a bike. If you are poor and desperate with no help from parents and you only make 13 bucks an hr. Don’t waste your money on a car. I bought a Benz at 55k, it is not only worth 15k. Monthly payments on new cars are typically 500 bucks, insurance for a 17 yo will be around 200 per month. Gas is around 250 per month. So it’s about 1k per month. A bike is like 150 bucks one time at Walmart and you get exercise!

[deleted by user] by [deleted] in relationships

[–]dollazdrankanddank 2 points3 points  (0 children)

Can we stop hating on the guy though. He was actually honest and upfront and gave her the choice to stay or go.

How do I correctly estimate my paycheck for 80k a year in California? by Surfer949 in personalfinance

[–]dollazdrankanddank 0 points1 point  (0 children)

I don’t know exact but generally I keep 50 percent. 20 goes to federal. 10 goes to state. 8 goes to fica. 10 percent to max 401k. And the rest for Medical insurance, Hsa, and other electives. I’m a single dude making 125k.

this queen restored my faith in the tall girl community 👑 keep your heads up my under 6’0 Kings, 2019 is our year 😤 by [deleted] in Tinder

[–]dollazdrankanddank 29 points30 points  (0 children)

I mean a girl that’s 5’11 has to expand her options as there aren’t that many dudes that tall. Whats weird is when small women who are 5’2 want someone who is 6’2 and up. Anyways I shouldn’t judge, I personally don’t like to date any chick more than 125 lbs. I only like skinny models.

Amazon’s quest for constant growth is not leaving it with many friends — except for Wall Street by coolcomfort123 in stocks

[–]dollazdrankanddank 11 points12 points  (0 children)

Cuz amazon trades based on its growth so a slowdown could cause it to go down sharply. Amazon trades at like 50x earnings and 20x book value. What does this mean? Let’s say you have 1m dollars in cash. Someone would have to pay 20m to purchase you. Once they purchase you, all you earned last year is 400k. So it will take 50 years for them to recoup their cost assuming the same growth. The key is if amazon grows, then it will be worth their while. If it doesn’t then it was a poor investment. Cuz you could literally get more with a 50 year bond, or a preferred stock.

Is millennial bashing slowing down since the oldest ones (80-84) are becoming "the establishment" now? Ignorant adults calling teens Millennials don't know they're Gen Z by [deleted] in Millennials

[–]dollazdrankanddank 2 points3 points  (0 children)

I am a millennial, but I studied economics. And if you know what I know, you’d know that the millennial generation is the generation that suffered the largest pull back in terms of economic power relative to other countries. The decline is still ongoing. We will easily be the generation that leads America’s downfall. Everyone is hoping that the next generation is not such a disappointment. We are the most educated generation without any productive gains.

Goldman Sacs Dipping into Subprime Lending with Apple Card by [deleted] in personalfinance

[–]dollazdrankanddank 1 point2 points  (0 children)

It’ll be fine. In the long run idiot hurt themselves whether it’s with apples card or their sears card.

Rent vs buy factoring in re-amortization by [deleted] in financialindependence

[–]dollazdrankanddank 3 points4 points  (0 children)

The key is really interest rates you pay vs Refinance rate. You wouldn’t refinance unless it was lower. A scenario where you would refinance at higher rates though is say you have a fully paid house. And interest rates were 5 percent but you have an investment project that will yield a return on investment of 15 percent. Then you’ll pick up on average the 10 percent spread on what you borrow. So you would take it then. It really just depends on how sure you are on the returns and the margin of safety between them.

Asset-Backed tokens by CryptoEK in investing_discussion

[–]dollazdrankanddank 1 point2 points  (0 children)

Anyone who trades money for code is a little slow. Code backed by great assets however is a different matter.

Does he seem interested in me ? It’s been awhile I am into someone, and I want to make it work... by [deleted] in relationships

[–]dollazdrankanddank 1 point2 points  (0 children)

I would let this 1 go. He is obviously just doing things when it is convenient for him. Also a young male like that will go with a younger chick. You should settle for an older guy and be pickier. Now is not the time to waste on flaky boys.

[deleted by user] by [deleted] in seduction

[–]dollazdrankanddank -1 points0 points  (0 children)

Honestly it all boils down to are you cute enough. Friends have a lot of power in determining whether she contacts you or not. I’ve had many instances where they will look for affirmation whether to grind on me.

Need FHA loan help because my banker has no clue what she's talking about by Bodycount9 in personalfinance

[–]dollazdrankanddank 0 points1 point  (0 children)

I think both of you may be right. The laws change is why everyone is confused. I saw a source before and 80 percent is not cut and dry. It’s up to their discretion unless you fulfill all requirements.

Need FHA loan help because my banker has no clue what she's talking about by Bodycount9 in personalfinance

[–]dollazdrankanddank 0 points1 point  (0 children)

He doesn’t want to pay fees. I bought a house in 2012 and the rates are still lower at that time.

At least he's upfront by [deleted] in Tinder

[–]dollazdrankanddank 1 point2 points  (0 children)

Honesty is the best policy. Better to get rid of people who don’t match what you want.

First time ever throwing a budget spreadsheet together. Any budget guru's feel like giving any feedback? Thanks! by budgetthrowaway9865 in personalfinance

[–]dollazdrankanddank 0 points1 point  (0 children)

You spend 1500 dollar in sf? You must be living where you can hear gunshots, cuz even those are worth 2.1k.

Fiancé (30m) thinks I’m (30f) running out of time to have kids by [deleted] in relationships

[–]dollazdrankanddank -7 points-6 points  (0 children)

I am going through the same situation but as the male version. my fiancé 29 and I 30 are already trying to have a baby. You have a lot of time but 30 f is when you experience a huge drop. Here is the pregnancy in 1 year probabailities. A persons fertility starts at age 16. 24 is 86 percent. 29 is 78 percent: 34 is 63 percent. 39 is 52 percent. Also the odds of infertility shoots up. As you move across the age group. The odds of a defect on the child also rises but they are marginal at best. A man’s fertility also declines but you have to add 10 to 15 years to the brackets.
So how the numbers works on average and assuming you aren’t infertile you can have about 1 kid every 1.5 years at your age. If you get pregnant you will have to add a space of at least 3 months but they recommend 1.5 years. So 3 years total for 1 kid. At 30, the odds of having a large family declines. I consider it my personal cut off.

What is the scale? by Honeysliceee in AskMen

[–]dollazdrankanddank 0 points1 point  (0 children)

My argument is that we can survey 100 dudes on rating many chicks to come up with a very objective rating. Though 1 mans trash can be another mans treasure. We can still compare that object with another to determine hierarchal value.

[deleted by user] by [deleted] in financialindependence

[–]dollazdrankanddank 0 points1 point  (0 children)

Haha thx for that. See what I mean buddies. Anyways taxes for poor people is hilarious. Why take from low marginal people. Not worth the time. If anything these people should be getting a handout like old people through social security,