If you bothered to look at the report, you will noticed a graph near the bottom that shows those who have an associate degree make $57K per year. I've made $55K last year. I might make more this year since my manager keeps hinting at a pay raise and larger Christmas bonus (an extra month of pay). Not bad for cleaning out IT closets.
Depending on which state you file the paperwork, a corporation can be created for as low as a few hundred dollars. The most practical business entity is a limited liability company taxed as a corporation that files its own tax return.
A shitty studio apartment, a bankruptcy, and a new mountain of debt that you can't get out from under because of your poor planning? Yeah, you're doing a great job.
That's what any scam artist or ambulance attorney is supposed to see — and then move on to the next target. A person with no assets in his name isn't worth the trouble.
First: nothing I've said requires or assumes your goal is "climbing the corporate ladder."
Conventional wisdom says you go to school, get good grades, get a job, get married and have kids, buy a house, work 30 years to build up retirement savings, and, if you're very lucky, you might get to enjoy life. A.K.A., climbing the corporate ladder.
Unfortunately, I've never had a conventional life. What do unconventional people do? They start businesses and invest in the stock market.
Second: You don't make anywhere near enough money to be "owning" the corporate ladder.
If you had paid attention to the "drama" around my comments, you would know that I had limited liability company (elected as a corporation for tax purposes) and shut it down two years later. Why? Because it was in my name.
Third: The only ladder you have a shot at owning is the stepstool they put in the McDonald's play areas to help little kids climb up onto the monkey bars.
If interest rates ever go up, I'll have to set up a CD ladder.
Fourth: Your response is a non-response.
That's because you're a troll and I'm playing with you.
So, which is it - are you a moron? Or do you have next to nothing in your brokerage, retirement, and business accounts?
Why would a credit union give someone a $2,500 loan to the pay the rent when that person had a bankruptcy three years earlier, out of work for eight months and a employment contract that doesn't start in 30 days?
Why would the same credit union give the same person a second, larger loan three years later to pay off a credit card without closing the credit card account?
lol, you're not going to debt free in 3 years. you can't even hold down a job for that long. your career is a cycle of dead-end jobs and extended unemployment.
I've been at my current job for three years. Contract doesn't expire for another two years.
If you had no savings after two years of backbreaking work [...]
It took six months of unemployment benefits, savings, a credit card and a bank loan to keep me afloat for eight months.
So... you've got no savings again after FOUR years [...]
It took 16 months to pay off the bank loan and 32 months to build up a cash reserve.
Perhaps it's time to tighten the belt a bit and stop wasting money on your pyramid schemes.
I had three options for dealing with the credit card debt:
1) Continue to make regular payments @ 24% APR.
2) Pay off the credit card with savings and rebuild my cash reserve.
3) Get a debt consolidation loan @ 8% and leave my cash reserve untouched.
With Donald Trump threatening to shut down the government over his damn wall, and, being a government employee, option #3 was the most prudent option.
There's no way that you can carry a debt and make money on your savings - it just doesn't work this way.
You don't make money on savings. If I wanted to make more money, I would put more money into my brokerage and/or side business. I'm content to reinvest the dividends and profits in each one.
Because essential government employees, might be furloughed by a shutdown, but they are rarely uncompensated for their work.
When the federal government gets shut down, one-half of the workforce gets furloughed. The other half are designated essential employees who must report to work and go unpaid during that time. If the government shuts down next month, I still have to report to my station whether I get paid or not.
The government was only shut down for 16 days in 2013, not eight months, and federal employees received back pay.
The Fortune 500 corporation that I worked for used the government shutdown as an excuse to lay off 10% of the workforce. The CEO still got a bonus for having a lousy fiscal year. Despite having 60+ job interviews, it still took me eight months to find a new job.
For someone who claims to live within his means, carrying around debt is a big indicator that you're not living within your means.
Being out of work for eight months after the October 2013 government shutdown really hurt my finances when I still had next to nothing in savings after working seven days a week for two years. I had to take out a loan from my credit union to pay the rent when I got my current job three years ago. I paid off that 24-month loan in 16 months. I could have simply paid off my credit card from savings. But there might be another government shutdown in September if Trump doesn't get his damn wall. Alas, I'm classified as an essential employee and would have to work without a paycheck if the government shuts down. I don't know about you, but I would rather eat while serving my country.
Seek professional help.
That's why I got the debt consolidation loan. Instead paying the balance @ 24% APR for 22 years (according to the monthly statement), I can pay off the entire balance @ 8% APR in three years. There's no penalty for paying off the balance early.
The local Best Buy has a showroom for a theater system with a large screen, surround sound and leather seats. All for $250K. They could probably sell more if they have a salesperson explaining how the family room can be renovated into a family theater for $250K. That's a lot of money to see the wood grain on Bruce Springsteen's guitar.
If you need a "debt consolidation" loan, and it'll take you 3 years to pay it off, that's pretty a pretty fucking dumb way to manage your credit.
The alternative to the debt consolidation loan is to pay off the credit card with savings and have less cash in savings.
Apparently you didn't learn your lesson from filing bankruptcy a few years ago.
My 2011 bankruptcy was the result of being out of work and exhausting my savings in 2.5 years. The mistake I made then was hoping that I would get a new job and kept paying my bills on time. If I had stopped paying my bills, I could have cleared bankruptcy with $5,000 in savings instead of the $25 in checking the day after my bankruptcy got finalized.
The only real question is why has no-one pounded out an AK from a shovel?
As a history teacher once pointed out regarding the Old West, shootouts didn't use as many bullets as the movies usually do. Bullets, supposedly, were expensive back in the day and weren't wasted on shooting up the town. As for Firefly, it might be a similar situation. Besides, do you really want to have an AK on a spaceship?
In other news, my credit union offered an "eclipse astounding" debt consolidation loan at 8% APR. The 2% back credit card that I have is 24% APR. If I pay the same monthly amount that I paid on the credit card for the debt consolidation loan, I'll be out of debt in three years. Seems like a no brainer.
Yes, seriously. I can think of no other reason you'd be so appalled at the idea of two people enjoying giving each other pleasure, than that you have some sort of ass-backwards mentality that you absorbed from your religious teaching, that says "sex is bad, mmkay?"
I'm not opposed to sexual pleasure. But it has to be under the right set of circumstances. By keeping my pants zipped, I've avoided a lot of the heartache that my family experienced from having unwanted children.
The first time they mentioned 'no networked computers' i lost all interest. There is no way you would ever do that. You would find a way to keep the Silons out or you would have to give up electricity altogether.
Out of a fleet of battlestars, the Galactica survived because its non-networked computers were immune to the Cylon computer virus, and the Pegasus did a FTL jump without coordinates out of dry dock while under attack and ripped out the computer code after their computer expert got identified as a Cylon. There was an episode where the Galactica got separated from the fleet, had to jump back to their previous coordinates, and networked the computers to calculate the new coordinates while the Cylons bang down a multi-layer firewall. Non-networked computers was a very important plot detail.
It's called a product placement. Warner Brothers owned Atari and distributed Blade Runner at the time. Even though Warner Brothers no longer owns Atari, the Atari logo does appear in the new movie.
Slashdot Mirror
If you bothered to look at the report, you will noticed a graph near the bottom that shows those who have an associate degree make $57K per year. I've made $55K last year. I might make more this year since my manager keeps hinting at a pay raise and larger Christmas bonus (an extra month of pay). Not bad for cleaning out IT closets.
The corporate ladder is a bit out of your grasp.
Depending on which state you file the paperwork, a corporation can be created for as low as a few hundred dollars. The most practical business entity is a limited liability company taxed as a corporation that files its own tax return.
That short story is available in "The Collected Stories of Arthur C. Clarke".
A shitty studio apartment, a bankruptcy, and a new mountain of debt that you can't get out from under because of your poor planning? Yeah, you're doing a great job.
That's what any scam artist or ambulance attorney is supposed to see — and then move on to the next target. A person with no assets in his name isn't worth the trouble.
First: nothing I've said requires or assumes your goal is "climbing the corporate ladder."
Conventional wisdom says you go to school, get good grades, get a job, get married and have kids, buy a house, work 30 years to build up retirement savings, and, if you're very lucky, you might get to enjoy life. A.K.A., climbing the corporate ladder.
Unfortunately, I've never had a conventional life. What do unconventional people do? They start businesses and invest in the stock market.
Second: You don't make anywhere near enough money to be "owning" the corporate ladder.
If you had paid attention to the "drama" around my comments, you would know that I had limited liability company (elected as a corporation for tax purposes) and shut it down two years later. Why? Because it was in my name.
Third: The only ladder you have a shot at owning is the stepstool they put in the McDonald's play areas to help little kids climb up onto the monkey bars.
If interest rates ever go up, I'll have to set up a CD ladder.
Fourth: Your response is a non-response.
That's because you're a troll and I'm playing with you.
So, which is it - are you a moron? Or do you have next to nothing in your brokerage, retirement, and business accounts?
Why would a credit union give someone a $2,500 loan to the pay the rent when that person had a bankruptcy three years earlier, out of work for eight months and a employment contract that doesn't start in 30 days?
Why would the same credit union give the same person a second, larger loan three years later to pay off a credit card without closing the credit card account?
BTW, Neither of these loans are unsecured.
[....] has little in the way of savings.
What's the value of my brokerage, business and retirement accounts? I'll wait while you pull an imaginary number out of your ass to low ball.
Meanwhile, you brag about making $3/day as a "job."
A revenue stream isn't a job. But thanks for the coffee money!
You have focused on the "fun" things that are of negligible value, while ignoring basic financial common sense that's incredibly important.
I supposed you could call building businesses and stock portfolios fun. I've done both since I was a teenager.
How does it feel being completely terrible at literally everything you decide to do, creimer?
We have different priorities. You want to climb the corporate ladder. I want to own the corporate ladder.
You have basically completely reversed the priorities of these items, and so you will certainly achieve financial ruin.
5) Done. 4) Done. 3) Done. 2) In progress. 1) In progress.
lol, you're not going to debt free in 3 years. you can't even hold down a job for that long. your career is a cycle of dead-end jobs and extended unemployment.
I've been at my current job for three years. Contract doesn't expire for another two years.
Oh my god, you're a 47 year old who recently filed for bankruptcy and thinks he'll be in debt until 50?
I'll be debt free in three years — and the economy will collapse.
Have you considered the only common denominator in all the failure you have experienced is you?
It's called life. When God hands out lemons, you can either suck it down tequila or make lemonade. I've been making lemonade for years now.
If you had no savings after two years of backbreaking work [...]
It took six months of unemployment benefits, savings, a credit card and a bank loan to keep me afloat for eight months.
So... you've got no savings again after FOUR years [...]
It took 16 months to pay off the bank loan and 32 months to build up a cash reserve.
Perhaps it's time to tighten the belt a bit and stop wasting money on your pyramid schemes.
I had three options for dealing with the credit card debt:
1) Continue to make regular payments @ 24% APR.
2) Pay off the credit card with savings and rebuild my cash reserve.
3) Get a debt consolidation loan @ 8% and leave my cash reserve untouched.
With Donald Trump threatening to shut down the government over his damn wall, and, being a government employee, option #3 was the most prudent option.
There's no way that you can carry a debt and make money on your savings - it just doesn't work this way.
You don't make money on savings. If I wanted to make more money, I would put more money into my brokerage and/or side business. I'm content to reinvest the dividends and profits in each one.
Because essential government employees, might be furloughed by a shutdown, but they are rarely uncompensated for their work.
When the federal government gets shut down, one-half of the workforce gets furloughed. The other half are designated essential employees who must report to work and go unpaid during that time. If the government shuts down next month, I still have to report to my station whether I get paid or not.
The government was only shut down for 16 days in 2013, not eight months, and federal employees received back pay.
The Fortune 500 corporation that I worked for used the government shutdown as an excuse to lay off 10% of the workforce. The CEO still got a bonus for having a lousy fiscal year. Despite having 60+ job interviews, it still took me eight months to find a new job.
For someone who claims to live within his means, carrying around debt is a big indicator that you're not living within your means.
Being out of work for eight months after the October 2013 government shutdown really hurt my finances when I still had next to nothing in savings after working seven days a week for two years. I had to take out a loan from my credit union to pay the rent when I got my current job three years ago. I paid off that 24-month loan in 16 months. I could have simply paid off my credit card from savings. But there might be another government shutdown in September if Trump doesn't get his damn wall. Alas, I'm classified as an essential employee and would have to work without a paycheck if the government shuts down. I don't know about you, but I would rather eat while serving my country.
Seek professional help.
That's why I got the debt consolidation loan. Instead paying the balance @ 24% APR for 22 years (according to the monthly statement), I can pay off the entire balance @ 8% APR in three years. There's no penalty for paying off the balance early.
The local Best Buy has a showroom for a theater system with a large screen, surround sound and leather seats. All for $250K. They could probably sell more if they have a salesperson explaining how the family room can be renovated into a family theater for $250K. That's a lot of money to see the wood grain on Bruce Springsteen's guitar.
If you need a "debt consolidation" loan, and it'll take you 3 years to pay it off, that's pretty a pretty fucking dumb way to manage your credit.
The alternative to the debt consolidation loan is to pay off the credit card with savings and have less cash in savings.
Apparently you didn't learn your lesson from filing bankruptcy a few years ago.
My 2011 bankruptcy was the result of being out of work and exhausting my savings in 2.5 years. The mistake I made then was hoping that I would get a new job and kept paying my bills on time. If I had stopped paying my bills, I could have cleared bankruptcy with $5,000 in savings instead of the $25 in checking the day after my bankruptcy got finalized.
The only real question is why has no-one pounded out an AK from a shovel?
As a history teacher once pointed out regarding the Old West, shootouts didn't use as many bullets as the movies usually do. Bullets, supposedly, were expensive back in the day and weren't wasted on shooting up the town. As for Firefly, it might be a similar situation. Besides, do you really want to have an AK on a spaceship?
In other news, my credit union offered an "eclipse astounding" debt consolidation loan at 8% APR. The 2% back credit card that I have is 24% APR. If I pay the same monthly amount that I paid on the credit card for the debt consolidation loan, I'll be out of debt in three years. Seems like a no brainer.
Are you sure it was child porn?
Absolutely. Russian mothers have big boys.
Yes, seriously. I can think of no other reason you'd be so appalled at the idea of two people enjoying giving each other pleasure, than that you have some sort of ass-backwards mentality that you absorbed from your religious teaching, that says "sex is bad, mmkay?"
I'm not opposed to sexual pleasure. But it has to be under the right set of circumstances. By keeping my pants zipped, I've avoided a lot of the heartache that my family experienced from having unwanted children.
The first time they mentioned 'no networked computers' i lost all interest. There is no way you would ever do that. You would find a way to keep the Silons out or you would have to give up electricity altogether.
Out of a fleet of battlestars, the Galactica survived because its non-networked computers were immune to the Cylon computer virus, and the Pegasus did a FTL jump without coordinates out of dry dock while under attack and ripped out the computer code after their computer expert got identified as a Cylon. There was an episode where the Galactica got separated from the fleet, had to jump back to their previous coordinates, and networked the computers to calculate the new coordinates while the Cylons bang down a multi-layer firewall. Non-networked computers was a very important plot detail.
[...] a giant neon sign that reads "ATARI".
It's called a product placement. Warner Brothers owned Atari and distributed Blade Runner at the time. Even though Warner Brothers no longer owns Atari, the Atari logo does appear in the new movie.
https://venturebeat.com/2017/05/08/blade-runner-2049-official-film-trailer-features-the-atari-logo/
They aren't nearly as silly as some of the stuff in Trek that suffers from 50 years of accumulated cruft and contradictions.
Maybe Firefly with six-shooters and Chinese?
That was an outdated idea even in the 80s.
When I took Introduction to Computers at college in 1992, MS-DOS and 8.3 filenames was alive and well.
The remake of Battlestar Galactica has non-networked computers and wired phones.