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    All Forums | General Discussion

    Sacrifice gambling to help a friend

    «First Previous 123456 Next Last»
    kaponofor3
    Kaufee
    Roonie
    I_Need_A_Detox
    PokinSmot
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    kaponofor3
    kaponofor3
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    Posted: Dec. 15, 2011 - 6:56 PM ET #51

    Why does he have a car in San Francisco? Take the car out and boom, there goes Gas and Car expenses, saves him nearly 400/month

    Perhaps he should look at moving into a little less expensive housing or getting a roommate?
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    Why does he have a car in San Francisco? Take the car out and boom, there goes Gas and Car expenses, saves him nearly 400/month

    Perhaps he should look at moving into a little less expensive housing or getting a roommate?
     
    kaponofor3
    kaponofor3
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    Posted: Dec. 15, 2011 - 6:57 PM ET #52

    If his minimum credit card payment is $500, I'd hate to see what his balance is.
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    If his minimum credit card payment is $500, I'd hate to see what his balance is.
     
    Kaufee
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    Posted: Dec. 15, 2011 - 6:59 PM ET #53

    I know, I know - $2500 a month for rent is brutal. And yes, he could move to a cheaper place - probably get a studio for $1500 (this would be the low end). But he would have to move and that's a big expense in itself - he would need to put down a deposit plus first months rent....and while he's still paying rent on his current apt. Trust me guys, his place is a modest apt....it's not a really glamorous place. That's why I was stressing San Francisco - the cost of living here is absurd - I've been in the bay for ten years and I'm still not used to it.

    For those of you that suggested he move in with me. That's def not an option. My wife would not have that, plus I have a 1.5 year old son in our 2nd bedroom. We just don't have the room.
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    I know, I know - $2500 a month for rent is brutal. And yes, he could move to a cheaper place - probably get a studio for $1500 (this would be the low end). But he would have to move and that's a big expense in itself - he would need to put down a deposit plus first months rent....and while he's still paying rent on his current apt. Trust me guys, his place is a modest apt....it's not a really glamorous place. That's why I was stressing San Francisco - the cost of living here is absurd - I've been in the bay for ten years and I'm still not used to it.

    For those of you that suggested he move in with me. That's def not an option. My wife would not have that, plus I have a 1.5 year old son in our 2nd bedroom. We just don't have the room.
     
    Kaufee
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    Posted: Dec. 15, 2011 - 7:04 PM ET #54

    my son is 1 and half years old (not 15).

    Kapono, his credit card balance is close to $40,000
    also, he has a car in SF because most of the jobs he's applying for are in the surrounding areas (ranging from east of Oakland all the way to San Jose) He hopes to get back into outside sales, so the car is essential
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    my son is 1 and half years old (not 15).

    Kapono, his credit card balance is close to $40,000
    also, he has a car in SF because most of the jobs he's applying for are in the surrounding areas (ranging from east of Oakland all the way to San Jose) He hopes to get back into outside sales, so the car is essential
     
    kaponofor3
    kaponofor3
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    Posted: Dec. 15, 2011 - 7:05 PM ET #55

    Kaufee -- stop making excuses for your buddy. He NEEDS to get a cheaper place before you should even consider lending him money. That or a roommate. Yes, moving is a hassel. Guess what? So is paying over $1,000 more a month in rent than he should be. If he's really your boy, tell him you'll help him move all his furniture and personal items. The  one time "expense" of moving is FAR less than the $1,000 extra in rent he is paying a month.

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    Kaufee -- stop making excuses for your buddy. He NEEDS to get a cheaper place before you should even consider lending him money. That or a roommate. Yes, moving is a hassel. Guess what? So is paying over $1,000 more a month in rent than he should be. If he's really your boy, tell him you'll help him move all his furniture and personal items. The  one time "expense" of moving is FAR less than the $1,000 extra in rent he is paying a month.

     
    Roonie
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    Posted: Dec. 15, 2011 - 7:05 PM ET #56

    $2500 is standard this isn't detriot man
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    $2500 is standard this isn't detriot man
     
    kaponofor3
    kaponofor3
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    Posted: Dec. 15, 2011 - 7:09 PM ET #57

    That is disgusting that he is carrying around $40,000 in debt.

    Tell your boy to hop on the Caltrain, I did that for one summer going from San Jose to San Francisco for work every morning.

    Perhaps instead of "hoping to get back into outside sales", your friend should be looking for ANY job to start bringing in income... or is he too good to take any old job?
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    That is disgusting that he is carrying around $40,000 in debt.

    Tell your boy to hop on the Caltrain, I did that for one summer going from San Jose to San Francisco for work every morning.

    Perhaps instead of "hoping to get back into outside sales", your friend should be looking for ANY job to start bringing in income... or is he too good to take any old job?
     
    Kaufee
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    Posted: Dec. 15, 2011 - 7:18 PM ET #58

    I know he's been looking hard for work. But, you guys might be right. He may have to lower his standards on what's an acceptable job. He was making somewhere between 80-100K at his last gig. He's prob searching for work in that range and is likely looking right past any jobs paying significantly less. It's not that he thinks he's too good to take a lower paying job. I just think he's become accustomed to a certain way of life..

    You guys are starting to make me realize that's what needs to change 

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    I know he's been looking hard for work. But, you guys might be right. He may have to lower his standards on what's an acceptable job. He was making somewhere between 80-100K at his last gig. He's prob searching for work in that range and is likely looking right past any jobs paying significantly less. It's not that he thinks he's too good to take a lower paying job. I just think he's become accustomed to a certain way of life..

    You guys are starting to make me realize that's what needs to change 

     
    I_Need_A_Detox
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    Posted: Dec. 15, 2011 - 7:18 PM ET #59

    I could see if he had kids and his wife died from cancer or something ...

    any single man should be able to take care of himself.

     

    Don't do it. This guy needs some tough love ... not 5k handed to him.  

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    I could see if he had kids and his wife died from cancer or something ...

    any single man should be able to take care of himself.

     

    Don't do it. This guy needs some tough love ... not 5k handed to him.  

     
    I_Need_A_Detox
    I_Need_A_Detox
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    Posted: Dec. 15, 2011 - 7:21 PM ET #60

    https://sfbay.craigslist.org/sfc/apa/2755325087.html

    595 per month sounds about right for him.

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    https://sfbay.craigslist.org/sfc/apa/2755325087.html

    595 per month sounds about right for him.

     
    PokinSmot
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    Posted: Dec. 15, 2011 - 7:30 PM ET #61

    Quote Originally Posted by Kaufee:

    I know he's been looking hard for work. But, you guys might be right. He may have to lower his standards on what's an acceptable job. He was making somewhere between 80-100K at his last gig. He's prob searching for work in that range and is likely looking right past any jobs paying significantly less. It's not that he thinks he's too good to take a lower paying job. I just think he's become accustomed to a certain way of life..

    You guys are starting to make me realize that's what needs to change 




    he USED to make that much money and now he's dead broke and owes 40k?

    something aint right...

    and you want to donate 10k to this sinking ship?






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    Quote Originally Posted by Kaufee:

    I know he's been looking hard for work. But, you guys might be right. He may have to lower his standards on what's an acceptable job. He was making somewhere between 80-100K at his last gig. He's prob searching for work in that range and is likely looking right past any jobs paying significantly less. It's not that he thinks he's too good to take a lower paying job. I just think he's become accustomed to a certain way of life..

    You guys are starting to make me realize that's what needs to change 




    he USED to make that much money and now he's dead broke and owes 40k?

    something aint right...

    and you want to donate 10k to this sinking ship?






     
    Kaufee
    Kaufee
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    Posted: Dec. 15, 2011 - 7:38 PM ET #62

    yeah pokin, he lost his job about 9-10 months ago. When you have that kind of overhead, savings go fast. But, you all have helped me realize what the real problem is....he's living too large - even if he is living modestly for Northern CA standards

    Thx Detox for the link- that's a remodeled bedroom that is part of a house. And that's probably what he needs to do...rent a bedroom in someone's house. That's the cheapest rent gets in SF. After living on his own forever, he won't like that idea....but I'm going to present it.

    In fact, I get off work in about 30 min. I'm heading straight to his place and we're going to have a heart to heart about lowering his cost of living. If he's willing to move, etc...I'll help him pay for the initial costs.

    I'm glad I started this thread. Who what have thought that Covers would be a great place to get sound advice regarding $$$.

    Will update thread later. Thanks a lot fellas, appreciate all the feedback.

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    yeah pokin, he lost his job about 9-10 months ago. When you have that kind of overhead, savings go fast. But, you all have helped me realize what the real problem is....he's living too large - even if he is living modestly for Northern CA standards

    Thx Detox for the link- that's a remodeled bedroom that is part of a house. And that's probably what he needs to do...rent a bedroom in someone's house. That's the cheapest rent gets in SF. After living on his own forever, he won't like that idea....but I'm going to present it.

    In fact, I get off work in about 30 min. I'm heading straight to his place and we're going to have a heart to heart about lowering his cost of living. If he's willing to move, etc...I'll help him pay for the initial costs.

    I'm glad I started this thread. Who what have thought that Covers would be a great place to get sound advice regarding $$$.

    Will update thread later. Thanks a lot fellas, appreciate all the feedback.

     
    wizardofroz
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    Posted: Dec. 15, 2011 - 7:46 PM ET #63

    Quote Originally Posted by Kaufee:

    I know he's been looking hard for work. But, you guys might be right. He may have to lower his standards on what's an acceptable job. He was making somewhere between 80-100K at his last gig. He's prob searching for work in that range and is likely looking right past any jobs paying significantly less. It's not that he thinks he's too good to take a lower paying job. I just think he's become accustomed to a certain way of life..

    You guys are starting to make me realize that's what needs to change 

    There is NO shame in him working a couple of menial jobs to get back on his feet.  Your friend is DELUSIONAL, and NO good will come out of handing him charity.  As some other posters have wisely stated, help him move or find him work.  Anything above that is unacceptable and insane on your part. 

    Kaufee, do not feel guilty because you are smart and have your life in order.  He will only drag you and your wife down if you throw money at him.    

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    Quote Originally Posted by Kaufee:

    I know he's been looking hard for work. But, you guys might be right. He may have to lower his standards on what's an acceptable job. He was making somewhere between 80-100K at his last gig. He's prob searching for work in that range and is likely looking right past any jobs paying significantly less. It's not that he thinks he's too good to take a lower paying job. I just think he's become accustomed to a certain way of life..

    You guys are starting to make me realize that's what needs to change 

    There is NO shame in him working a couple of menial jobs to get back on his feet.  Your friend is DELUSIONAL, and NO good will come out of handing him charity.  As some other posters have wisely stated, help him move or find him work.  Anything above that is unacceptable and insane on your part. 

    Kaufee, do not feel guilty because you are smart and have your life in order.  He will only drag you and your wife down if you throw money at him.    

     
    I_Need_A_Detox
    I_Need_A_Detox
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    Posted: Dec. 15, 2011 - 9:25 PM ET #64

    Quote Originally Posted by Kaufee:

    yeah pokin, he lost his job about 9-10 months ago. When you have that kind of overhead, savings go fast. But, you all have helped me realize what the real problem is....he's living too large - even if he is living modestly for Northern CA standards

    Thx Detox for the link- that's a remodeled bedroom that is part of a house. And that's probably what he needs to do...rent a bedroom in someone's house. That's the cheapest rent gets in SF. After living on his own forever, he won't like that idea....but I'm going to present it.

    In fact, I get off work in about 30 min. I'm heading straight to his place and we're going to have a heart to heart about lowering his cost of living. If he's willing to move, etc...I'll help him pay for the initial costs.

    I'm glad I started this thread. Who what have thought that Covers would be a great place to get sound advice regarding $$$.

    Will update thread later. Thanks a lot fellas, appreciate all the feedback.

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    Quote Originally Posted by Kaufee:

    yeah pokin, he lost his job about 9-10 months ago. When you have that kind of overhead, savings go fast. But, you all have helped me realize what the real problem is....he's living too large - even if he is living modestly for Northern CA standards

    Thx Detox for the link- that's a remodeled bedroom that is part of a house. And that's probably what he needs to do...rent a bedroom in someone's house. That's the cheapest rent gets in SF. After living on his own forever, he won't like that idea....but I'm going to present it.

    In fact, I get off work in about 30 min. I'm heading straight to his place and we're going to have a heart to heart about lowering his cost of living. If he's willing to move, etc...I'll help him pay for the initial costs.

    I'm glad I started this thread. Who what have thought that Covers would be a great place to get sound advice regarding $$$.

    Will update thread later. Thanks a lot fellas, appreciate all the feedback.

     
    wizardofroz
    wizardofroz
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    Posted: Dec. 15, 2011 - 9:31 PM ET #65

    Quote Originally Posted by Kaufee:

    yeah pokin, he lost his job about 9-10 months ago. When you have that kind of overhead, savings go fast. But, you all have helped me realize what the real problem is....he's living too large - even if he is living modestly for Northern CA standards

    Thx Detox for the link- that's a remodeled bedroom that is part of a house. And that's probably what he needs to do...rent a bedroom in someone's house. That's the cheapest rent gets in SF. After living on his own forever, he won't like that idea....but I'm going to present it.

    In fact, I get off work in about 30 min. I'm heading straight to his place and we're going to have a heart to heart about lowering his cost of living. If he's willing to move, etc...I'll help him pay for the initial costs.

    I'm glad I started this thread. Who what have thought that Covers would be a great place to get sound advice regarding $$$.

    Will update thread later. Thanks a lot fellas, appreciate all the feedback.

     Keep us updated.

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    Quote Originally Posted by Kaufee:

    yeah pokin, he lost his job about 9-10 months ago. When you have that kind of overhead, savings go fast. But, you all have helped me realize what the real problem is....he's living too large - even if he is living modestly for Northern CA standards

    Thx Detox for the link- that's a remodeled bedroom that is part of a house. And that's probably what he needs to do...rent a bedroom in someone's house. That's the cheapest rent gets in SF. After living on his own forever, he won't like that idea....but I'm going to present it.

    In fact, I get off work in about 30 min. I'm heading straight to his place and we're going to have a heart to heart about lowering his cost of living. If he's willing to move, etc...I'll help him pay for the initial costs.

    I'm glad I started this thread. Who what have thought that Covers would be a great place to get sound advice regarding $$$.

    Will update thread later. Thanks a lot fellas, appreciate all the feedback.

     Keep us updated.

     
    bandit1010
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    Posted: Dec. 15, 2011 - 10:03 PM ET #66

    Listen to your wife.  She is spot on.  Your friend is a bum.  You need new ones.  Jmo tho.
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    Listen to your wife.  She is spot on.  Your friend is a bum.  You need new ones.  Jmo tho.
     
    Jrod124
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    Posted: Dec. 15, 2011 - 10:19 PM ET #67

    Alot of smart guys on this forum

    Good advice in this thread
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    Alot of smart guys on this forum

    Good advice in this thread
     
    gamblerdevil911
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    Posted: Dec. 15, 2011 - 10:53 PM ET #68

    he should have a family to back him up kaufee maybe bro or sis or pop or mom
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    he should have a family to back him up kaufee maybe bro or sis or pop or mom
     
    kennygamble
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    Posted: Dec. 15, 2011 - 11:03 PM ET #69

    Kaufee saw your post and felt like I should put my 2 cents in...I look at it like this maybe you could give him 8k have 2k to gamble with( i know its not much but it is something to get your fix). This 10k was money you could afford to lose was it not? Would you rather give this 10k to the books or a friend? I have been on both sides of the coin and I know how it feels to just come to someone and ask for there help not a good feeling and a humbling experience.  Me personally I would give the money to a true friend in need and you are the only person that knows this.  I know this is a lot of money but you have the money to give if I were you I would give it to him and tell your wife.  She will understand and will forgive you but you might get a I told you soooo blah blah blah but who cares friendship means more to mean than money that all i wanted to say.  Good luck with your decision. 

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    Kaufee saw your post and felt like I should put my 2 cents in...I look at it like this maybe you could give him 8k have 2k to gamble with( i know its not much but it is something to get your fix). This 10k was money you could afford to lose was it not? Would you rather give this 10k to the books or a friend? I have been on both sides of the coin and I know how it feels to just come to someone and ask for there help not a good feeling and a humbling experience.  Me personally I would give the money to a true friend in need and you are the only person that knows this.  I know this is a lot of money but you have the money to give if I were you I would give it to him and tell your wife.  She will understand and will forgive you but you might get a I told you soooo blah blah blah but who cares friendship means more to mean than money that all i wanted to say.  Good luck with your decision. 

     
    BeatThaBooks416
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    Posted: Dec. 16, 2011 - 12:46 AM ET #70

    YOur a Good Friend BRo
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    YOur a Good Friend BRo
     
    gold6185
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    Posted: Dec. 16, 2011 - 1:43 AM ET #71

    Quote Originally Posted by wizardofroz:

    There is NO shame in him working a couple of menial jobs to get back on his feet.  Your friend is DELUSIONAL, and NO good will come out of handing him charity.  As some other posters have wisely stated, help him move or find him work.  Anything above that is unacceptable and insane on your part. 

    Kaufee, do not feel guilty because you are smart and have your life in order.  He will only drag you and your wife down if you throw money at him.    

    100% correct. You do what you have to to get back on your feet. You don't sit there only willing to work for what you USED to make. It doesn't work that way. Life throws virtually everyone monetary setbacks so you gotta start back at the bottom & eventually work your way back up the ladder. Like I said before-offer him $1500 & tell him that's all you can spare. Tell him to take it or leave it & that's you only obligation to this guy. Good luck.
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    Quote Originally Posted by wizardofroz:

    There is NO shame in him working a couple of menial jobs to get back on his feet.  Your friend is DELUSIONAL, and NO good will come out of handing him charity.  As some other posters have wisely stated, help him move or find him work.  Anything above that is unacceptable and insane on your part. 

    Kaufee, do not feel guilty because you are smart and have your life in order.  He will only drag you and your wife down if you throw money at him.    

    100% correct. You do what you have to to get back on your feet. You don't sit there only willing to work for what you USED to make. It doesn't work that way. Life throws virtually everyone monetary setbacks so you gotta start back at the bottom & eventually work your way back up the ladder. Like I said before-offer him $1500 & tell him that's all you can spare. Tell him to take it or leave it & that's you only obligation to this guy. Good luck.
     
    gofish3
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    Posted: Dec. 16, 2011 - 4:00 AM ET #72

    Sounds to me like you're not exactly "rich" but def not poor.

    It also sounds like you have one nice little 10k secret nest egg that you've kept hidden away from your wife that would be available if you truly need it.

    At any given moment something serious could happen in your life, to your health, to one of your family members, etc. At the drop of a hat YOU might need that 10k for something. Impossible to foresee now, but the second you loan that money you no longer have it, and you just never know when something might happen in YOUR OWN life where that money might save a situation.

    Let him man up. He will figure it out. You know damn well you're doing nothing but bailing him out, you're a good friend because you've clearly put his reality on your conscience but it simply isn't your problem. Obviously he has some capability if he can generate good money when working, so let him draw on that brain power and he will figure this out on his own. Trust me, he will figure something out, with or without you.

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    Sounds to me like you're not exactly "rich" but def not poor.

    It also sounds like you have one nice little 10k secret nest egg that you've kept hidden away from your wife that would be available if you truly need it.

    At any given moment something serious could happen in your life, to your health, to one of your family members, etc. At the drop of a hat YOU might need that 10k for something. Impossible to foresee now, but the second you loan that money you no longer have it, and you just never know when something might happen in YOUR OWN life where that money might save a situation.

    Let him man up. He will figure it out. You know damn well you're doing nothing but bailing him out, you're a good friend because you've clearly put his reality on your conscience but it simply isn't your problem. Obviously he has some capability if he can generate good money when working, so let him draw on that brain power and he will figure this out on his own. Trust me, he will figure something out, with or without you.

     
    kaponofor3
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    Posted: Dec. 16, 2011 - 10:10 AM ET #73

    I'm very interested in how this guy responds to Kaufee's overtures, can't wait for him to come back to the thread and let us know what happened.
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    I'm very interested in how this guy responds to Kaufee's overtures, can't wait for him to come back to the thread and let us know what happened.
     
    wackycracker
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    Posted: Dec. 16, 2011 - 11:12 AM ET #74

    If he needs rent money---ask to physically see the lease agreement ---if he needs food buy him some gift cards for where he shops, same goes for gas . Also get everything in writing and notarized,if he balks then your in your money and out a potential bad debt.If he agrees to this then your chances of getting paid back increase slightly better, but remember ,under any circumstances he can always rat you out to the wife and that threat puts him in the drivers seat.You know him better than we do, but if you give him 10 grand,you may find out a lot of things you wish you hadn't..... My opinion------NO
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    If he needs rent money---ask to physically see the lease agreement ---if he needs food buy him some gift cards for where he shops, same goes for gas . Also get everything in writing and notarized,if he balks then your in your money and out a potential bad debt.If he agrees to this then your chances of getting paid back increase slightly better, but remember ,under any circumstances he can always rat you out to the wife and that threat puts him in the drivers seat.You know him better than we do, but if you give him 10 grand,you may find out a lot of things you wish you hadn't..... My opinion------NO
     
     
    Bluefin
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    Posted: Dec. 16, 2011 - 11:31 AM ET #75

    Lets us know how this one works out. I'm kind of interested in how he reacts to your "heart to heart". You can judge alot from his reaction many don't want to hear sound advise when it comes to lowering ones expectations but at the very least it should lite a fire under his ass.I was curious as to how far he had extended his job search you may want to hint he widen it. The dispensaries are always hiring if he is a pot head
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    Lets us know how this one works out. I'm kind of interested in how he reacts to your "heart to heart". You can judge alot from his reaction many don't want to hear sound advise when it comes to lowering ones expectations but at the very least it should lite a fire under his ass.I was curious as to how far he had extended his job search you may want to hint he widen it. The dispensaries are always hiring if he is a pot head
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