94. "i go through a tank of gas a week" In response to Reply # 1
it costs me $45 to fill up my tank and i have a 60-70 mile commute everyday. on top of that my car chews up oil and it's a cadillac so oil changes are NOT cheap but my brother is a mechanic and hooks me up. now one of my o2 sensors is bad and that's going to put a nice dent in my pocket. i got in an accident last month and i had to pay my deductible and that wasn't cheap. my note isn't that bad and i still have my car registered in maryland because the insurance rates in the state of michigan are downright criminal! so i'm saving a few bucks there. but overall just gas alone is where most of my money goes.
12. "i just doubled what we pay for my one just to see" In response to Reply # 11
and it's still half of what you payin. we got another one the way so i'll have that additional expense soon, but there's no way i/we could afford the figure you're talkin' about.
13. "it's fucking outrageous. I think I mentioned this before, but" In response to Reply # 12 Tue Aug-04-15 12:00 PM by John Forte
The pre-school is TOP NOTCH, and I believe it to be worth every penny. The daycare is fucking daycare, but the only way to get into the pre-school is to be in the daycare and age up. The waiting list is crazy. We put my daughter on the list at 2 months old, she got a spot at 2 years.
The trade-off is that we have a cheap-ass Pittsburgh mortgage.
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 12:07 PM
14. "aren't you moving? " In response to Reply # 13 Tue Aug-04-15 12:08 PM by legsdiamond
and how would you feel if someone paid half that price and sill got into the same school as your kid?
Is that fair or foul?
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 12:33 PM
22. "we all have choices and he chose to pay top dollar" In response to Reply # 16 Tue Aug-04-15 12:34 PM by legsdiamond
is the price outrageous or is choosing to pay that price outrageous??
or both?
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 12:46 PM
31. "word" In response to Reply # 27 Tue Aug-04-15 12:48 PM by legsdiamond
but if their kids are still getting quality daycare then it's not really a problem.
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
56. "Are the options that cost 1/4 or 1/2 of that price really that bad? " In response to Reply # 53
I'm just wondering what happens to your neighbors who don't pay $2,800/mo for childcare. It must be hard to save for the future or build wealth with that kind of expense.
88. "Don't fall into the belief that when they get into school that the " In response to Reply # 3
costs leave.
You spend less on childcare yes, but then those extra curricular activities kick in to the tune of being equal to or more than what you paid in child care.
7. "Food and Transportation n/m" In response to Reply # 0
***************************************** . . . If I have something to say when there is a reason involved, I am perfectly willing to talk. Katherine Hepburn
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 12:36 PM
25. "school loan payments higher than rent/mortgage? nah..." In response to Reply # 21
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 12:49 PM
33. "well it looks like the rent is too damn high" In response to Reply # 28
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 12:37 PM
26. "you live rent free at home? " In response to Reply # 23
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 12:59 PM
37. "blink once for yes, twice for no" In response to Reply # 34
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 01:02 PM
41. "she prolly lives in Cali...liquid gold, cali tea" In response to Reply # 38
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 01:01 PM
39. "now we know why Forte dont be laughing at stand up" In response to Reply # 0
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
~~~~ When you are born, you cry, and the world rejoices. Live so that when you die, you rejoice, and the world cries. ~~~~ You cannot hate people for their own good.
-The Knicks’ coaching search still includes a lone frontrunner, Kurt Rambis, whose qualifications for the position include a strong relationship with Jackson and a willingness to take the job.
49. "Rent, Childcare + Extra curriculars, Food" In response to Reply # 0
We spend so much on food. Thats where we gotta cut back. We eat high quality foods so our shopping bill is high and on top of that we also end up eating out a lot
--- "though time has passed, im still the future" (c) black thought
51. "Aside from mortgage..." In response to Reply # 0
In order:
Cell phone School loan Water bill Credit card bills Internet and satellite bill Food Car insurance Gas, electric and solar bill Pest control bill HOA fees
Factor in car maintenance plus petrol, then that would be near the top of the list. Oh, it cost some coin to keep the house smelling good, so I put that somewhere near the middle to bottom of the list.
legsdiamond Member since May 05th 2011 79554 posts
Tue Aug-04-15 04:10 PM
64. "haters hate bruh..." In response to Reply # 59
I can see a car being paid off but a house?
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
77. "got a mix of their admiral index funds" In response to Reply # 73
i looked into betterment when they first started popping but they basically buy vanguard index funds for you and tack on a fee
the automated deposit thing makes it easy cause i don't really think about it. every week ing and vanguard just pulled the dough from my checking account and keep it moving
78. "yeah betterment is bammer shit, similar M.O. to others" In response to Reply # 77
just inserting a meaningless middle man.
i just look at the money i have in savings doing nothing and figure it could be doing more. i have a lot of merchandise in my business but that's a slow trickle and an ongoing thing. something where the reserve is generating income seems like the move.
And you will know MY JACKET IS GOLD when I lay my vengeance upon thee.
82. "well no surprise there , you're financially illiterate " In response to Reply # 81 Wed Aug-05-15 09:45 AM by southphillyman
betterment charges their fee on top of the fee you pay for the underlying fund go to your local community center and get someone to help you read thru your prospectus
84. "no beef i'm just playing with him off something u got at me bout" In response to Reply # 83
average person doesn't understand how the fee system works and , no snark, he probably doesn't have enough money for the extra fee to really hurt him now as i assume he's relatively young
92. "Yup, I have lots of money that could be better managed" In response to Reply # 82
I generally just push money toward my 401K, savings account, and automated investments each week. It's worked well for me so far, but I'm sure I could do better.
I find that it's way more productive to admit to my ignorance than to wallow in it like you do
Started in 2011. Something like 30% of the money in there, I didn't put there. it's just growth of the market / income. I don't think other funds are getting that kind of return. The skimming off the top is an insult to injury. Vanguard automatically pulls out the money from my account. I think a 12 year old could set it up. I don't understand the point of betterment. It's not like this is that complicated.
legsdiamond Member since May 05th 2011 79554 posts
Wed Aug-05-15 10:12 AM
89. "every review I see for betterment has people shrugging" In response to Reply # 85 Wed Aug-05-15 10:17 AM by legsdiamond
at the fee because the interface is more engaging/pleasant on the eyes for newbies
**************** TBH the fact that you're even a mod here fits squarely within Jag's narrative of OK-sanctioned aggression, bullying, and toxicity. *shrug*
most of us here are in our late 20s/early 30s betterment vs. buying the funds yourself can literally mean 100,000s in fees over the next 30-40 yrs of investing best move is to take a hour to pick the funds yourself and if you are that pressed for tax loss harvesting take another hour at the end of the year and do it yourself it's not complicated at all
95. "yep i apparently am" In response to Reply # 91
didn't understand a single bit of that
i don't have betterment i have a 401k haven't looked at it in a min
never could understand any of this crap ~~~~ When you are born, you cry, and the world rejoices. Live so that when you die, you rejoice, and the world cries. ~~~~ You cannot hate people for their own good.
70. "Rent is the only big one I have" In response to Reply # 0
everything else is pretty small, considering that I'm single with no kids and I grow a lot of my food.
__________________________________________ CHOP-THESE-BITCHES!!!! ------------------------------------ Garhart Ivanhoe Poppwell Un-OK'd moderator for The Lesson and Make The Music (yes, I do's work up in here, and in your asscrease if you run foul of this
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