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re: I'm a YNAB geek.
Posted on 1/5/17 at 12:17 pm to anc
Posted on 1/5/17 at 12:17 pm to anc
quote:
1. Paying more in annual premiums for full coverage insurance than the car is worth.
2. Buying really crappy financial products like whole life insurance and considering it an investment.
The worst part about these two is that they think they're being smart. Some of the other ones, it's just people acting greedily, or not considering the long term. But these folks genuinely think "I've got insurance, man, I'm being responsible!"
I would also like to discuss people who have "full coverage" on their autos and are paying out the nose for collision or whatever, but have $20K in liability.
Posted on 1/5/17 at 12:54 pm to Cold Cous Cous
A lot can be said for marketing, marketing in today's world is infinitely greater than it was even 20 years ago but especially pre internet.
Its very easy to sell low income people on things they can't afford, too easy really. How many people in poverty have smart phones? Its absurd.
At the same time, it has never been easier to become financially independent. Almost anyone can buy a $50,000 house and have it payed off in 5 years, a cheap car, and retire young if they want to live like people did 100 years ago. The problem is, no one wants that life anymore we are all spoiled.
Its very easy to sell low income people on things they can't afford, too easy really. How many people in poverty have smart phones? Its absurd.
At the same time, it has never been easier to become financially independent. Almost anyone can buy a $50,000 house and have it payed off in 5 years, a cheap car, and retire young if they want to live like people did 100 years ago. The problem is, no one wants that life anymore we are all spoiled.
Posted on 1/5/17 at 12:55 pm to Cold Cous Cous
That is surprising. It's seems like every time someone in my household is hit by someone, the offending party is uninsured, the car they were driving didn't belong to them, and they manage to drive off without the police even giving them a ticket.
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