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Started By
Message
re: Payday....First Thing You Do?
Posted on 11/1/18 at 1:08 pm to RoleTideFan80
Posted on 11/1/18 at 1:08 pm to RoleTideFan80
Line up a Z with my connect.
0
Posted on 11/1/18 at 1:33 pm to RoleTideFan80
Nothing, it's just another day. I don't live check to check.
Posted on 11/1/18 at 4:26 pm to cas4t
quote:
it's pretty amazing the amount of suggestive racism and full blown racism that gets posted on this site daily.
nope... can't say that. black people are making it all up!
Posted on 11/1/18 at 4:35 pm to celltech1981
quote:
I transfer half in to savings
You think this is smart, but it is not smart. Quite the contrary.
What's your ROI?
Posted on 11/1/18 at 4:40 pm to Balloon Huffer
quote:How do you know what stage of his financial plan he's in? Maybe he's funding his "emergency account", or maybe he's saving for a down payment for a house. You're making an assumption that it's not smart without knowing all of the variables.
What's your ROI?
Posted on 11/1/18 at 5:05 pm to RoleTideFan80
A new coral frag typically.
Posted on 11/1/18 at 6:07 pm to RoleTideFan80
quote:
So what's the first thing you do when you get paid?
I treat myself by filling out a GC Affidavit and Unconditional Waiver of Lien, getting it notorized and sending it to the client.
Posted on 11/1/18 at 6:16 pm to olgoi khorkhoi
Usually sit in my car for a min looking like this
Then decide if I can afford beer or not this week.
So far it's always been a yes even when unemployed though lenders seem to disagree.
Then decide if I can afford beer or not this week.
So far it's always been a yes even when unemployed though lenders seem to disagree.
Posted on 11/2/18 at 2:48 pm to Epic Cajun
Wrong.
I know enough variables, as we are only talking about one here. Savings accounts. Putting money in a savings account is not smart. I don't care if you are poor or rich. Cash has power. Sitting in an account --- making no money --- is wasting it.
Who taught you to do this? Your parents? And who taught them? Their parents? and them?
The banks have taught all of you , everything you know about banking. Just think about that for a second. Every single thing you know and understand about banking, was taught by ........ THE BANKS..... Now, do you think the banks are trying to help you or themselves?
Are you aware that only 1% of this country actually opens and pays a 30 year mortgage down? Ever wonder why between years 5-7 you start getting bombarded to refinance???? And how many do it?? Most. This is STUPID. Ever heard of a Truth in Lending statement? Did you ever read it? You are buying 1 house for yourself, and 1 for the bank. Your first 2 years of a mortgage you are paying close to 95% interest.... When you refi, sure your payment may go down $150 a month, but your INTEREST goes back up. There is a reason most people barely have $100,000 in their retirement accounts when it is time to retire.
Available funds in a LOC as just as good as cash, even when purchasing a house, and much better than having your money sitting in a savings account paying you .07% percent.
Look up velocity banking, just for one example. Understand the time/value of money. LEARN some things. Or don't. Just do what everyone else does. That makes sense.
70% of Americans cannot come up with $1000 in one week. WTF???????
40% of Americans cannot come up with $400 in 24 hours. Are you serious?
You guys do you. Just know one thing --- 95% of you will end up broke and full of regrets. 95%. Ninety-Five.
Frankly, the more of you that follow the norm, the richer I become. Why am I offering valuable advise again?
Silly me.
I know enough variables, as we are only talking about one here. Savings accounts. Putting money in a savings account is not smart. I don't care if you are poor or rich. Cash has power. Sitting in an account --- making no money --- is wasting it.
Who taught you to do this? Your parents? And who taught them? Their parents? and them?
The banks have taught all of you , everything you know about banking. Just think about that for a second. Every single thing you know and understand about banking, was taught by ........ THE BANKS..... Now, do you think the banks are trying to help you or themselves?
Are you aware that only 1% of this country actually opens and pays a 30 year mortgage down? Ever wonder why between years 5-7 you start getting bombarded to refinance???? And how many do it?? Most. This is STUPID. Ever heard of a Truth in Lending statement? Did you ever read it? You are buying 1 house for yourself, and 1 for the bank. Your first 2 years of a mortgage you are paying close to 95% interest.... When you refi, sure your payment may go down $150 a month, but your INTEREST goes back up. There is a reason most people barely have $100,000 in their retirement accounts when it is time to retire.
Available funds in a LOC as just as good as cash, even when purchasing a house, and much better than having your money sitting in a savings account paying you .07% percent.
Look up velocity banking, just for one example. Understand the time/value of money. LEARN some things. Or don't. Just do what everyone else does. That makes sense.
70% of Americans cannot come up with $1000 in one week. WTF???????
40% of Americans cannot come up with $400 in 24 hours. Are you serious?
You guys do you. Just know one thing --- 95% of you will end up broke and full of regrets. 95%. Ninety-Five.
Frankly, the more of you that follow the norm, the richer I become. Why am I offering valuable advise again?
Silly me.
This post was edited on 11/2/18 at 2:53 pm
Posted on 11/2/18 at 3:19 pm to Balloon Huffer
quote:
Balloon Huffer
Are balloons the only thing that you are huffing?
quote:
Are you aware that only 1% of this country actually opens and pays a 30 year mortgage down? Ever wonder why between years 5-7 you start getting bombarded to refinance???? And how many do it?? Most. This is STUPID. Ever heard of a Truth in Lending statement? Did you ever read it? You are buying 1 house for yourself, and 1 for the bank. Your first 2 years of a mortgage you are paying close to 95% interest.... When you refi, sure your payment may go down $150 a month, but your INTEREST goes back up. There is a reason most people barely have $100,000 in their retirement accounts when it is time to retire. Available funds in a LOC as just as good as cash, even when purchasing a house, and much better than having your money sitting in a savings account paying you .07% percent. Look up velocity banking, just for one example. Understand the time/value of money. LEARN some things. Or don't. Just do what everyone else does. That makes sense. 70% of Americans cannot come up with $1000 in one week. WTF??????? 40% of Americans cannot come up with $400 in 24 hours. Are you serious? You guys do you. Just know one thing --- 95% of you will end up broke and full of regrets. 95%. Ninety-Five.
What in the flying frick does any of this have to do with someone putting a portion of their money in a savings account? If I'm planning to renovate a portion of my house in the next 6 months, where would you suggest that I park that money every month? If I want to create a 20k emergency liquid emergency fund, where would you suggest that I keep that money?
This post was edited on 11/2/18 at 3:23 pm
Posted on 11/2/18 at 4:09 pm to Chuker
quote:
Well since I'm a functioning white male and don't live paycheck to paycheck, the day my money goes into my account is just like ever other day of the week.
Nailed it.
Posted on 11/2/18 at 4:17 pm to Chad504boy
quote:
find a masseuse treat on the backpages.
The key to a joke or a lie is being grounded in reality.
Try again
Posted on 11/2/18 at 4:19 pm to Balloon Huffer
quote:
The banks have taught all of you , everything you know about banking. Just think about that for a second. Every single thing you know and understand about banking, was taught by ........ THE BANKS.
Holy stupid assumption, Batman.
Yeah. You are definitely a verified genius.
Posted on 11/2/18 at 4:32 pm to Balloon Huffer
quote:
The banks have taught all of you , everything you know about banking. Just think about that for a second. Every single thing you know and understand about banking, was taught by ........ THE BANKS....
Well, who taught you about banking and finance mister smarty pants?
Posted on 11/2/18 at 6:06 pm to RoleTideFan80
Pay day means nothing to me.
What gets interesting is deciding what to splurge on for my really bonus and project bonuses
What gets interesting is deciding what to splurge on for my really bonus and project bonuses
Posted on 11/2/18 at 6:24 pm to Balloon Huffer
Bump so hopefully Baloon Huffer comes back. I would love to hear his response
Posted on 11/2/18 at 6:31 pm to RoleTideFan80
If you get excited on payday you're probably not putting away money like you should.
Also I put everything on credit cards to utilize to the points. Anyone fiscally responsible should do the same, it's free money, which also makes "payday" unimportant. I pay a credit card bill once a month.
Also I put everything on credit cards to utilize to the points. Anyone fiscally responsible should do the same, it's free money, which also makes "payday" unimportant. I pay a credit card bill once a month.
Posted on 11/2/18 at 6:35 pm to JohnSmith
quote:
JohnSmith
This is embarrassing. If you are going to be an alter at least be more creative.
Posted on 11/2/18 at 7:16 pm to RoleTideFan80
Buy a 40 and fire up a fat arse spliff
Posted on 11/2/18 at 7:17 pm to RoleTideFan80
eat it
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