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Folly posted:That still shouldn't matter. I don't think the school can give out records without your permission. Everytime I wanted a transcript, the school made me fill out a request in writing and sign it. So it's not like the employer could even ASK the university if the degree exists. Any employers I've had that want to verify my degree ask me to provide a transcript. If it gets that far, she'll have an opportunity to explain herself and work out what means of proof that the employer would be willing to accept while protecting her identity. They certainly can ask the university. Universities can independently verify your degree if someone calls, unless you explicitly tell the university otherwise. There's even a central service that a lot of universities participate in to handle this, so as to free up their registrar's office from phone calls. I just got a job that involved a criminal records check and degree verification, and they didn't ask for my transcript. The background check agency was pretty clear that they were going to get it from the university themselves or through one of these verification middlemen.
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Dec 25, 2013 22:53
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Dirk Diggler posted:How does that happen? Thought there was a limit of once every 7 years. You certainly can file Chapter 13s more often than that, though you'd be forced to pay back most of what you pay. Could be that he filed a 13 plan and dropped out because of - surprise - bad money habits, and had to refile.
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Dec 25, 2013 22:53
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Giant Goats posted:It's not for being Seminole - it's for belonging to a band that owns a casino. Lord, I hope that guy hasn't been gambling away his money at his band's own casino.
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Dec 25, 2013 23:06
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Dirk Diggler posted:And Seminole guy's money was untaxed or after taxes? Wish someone would offer me $132,000/year just for being a Pollack (yes I know what Native Americans have went through). No idea, the applicant couldn't provide a bank statement so I never got to see the net deposit. Pretty sure it's pre-tax, based on my recollections from a couple other Seminole applicants.
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Dec 26, 2013 00:40
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Gotta say, this thread makes me feel so much better about my student loan situation. However, it did make me realize that my credit card rate is 21%. I haven't noticed because until last month I've never carried a balance and therefore never paid a cent in interest. How did I get stuck with 21%? It's not the penalty rate, thats motherfucking 30%. Man it must be fun to be a banker. Making money by having money.
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Dec 26, 2013 06:59
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21% is a pretty standard rate, it's about what my credit union does if you don't pay like $35 a year for the low-interest option (in which case it drops to like 11%)
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Dec 26, 2013 13:58
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IllIllIll posted:Gotta say, this thread makes me feel so much better about my student loan situation. However, it did make me realize that my credit card rate is 21%. I haven't noticed because until last month I've never carried a balance and therefore never paid a cent in interest. How did I get stuck with 21%? It's not the penalty rate, thats motherfucking 30%. Try peer-to-peer lending, it IS fun. [/derail] For content: My sister ("Jane") was married to a guy I'll call Jim. Jane and Jim bought a really great old Victorian home for a pretty low price, and spent thousands and thousands of dollars remodeling it and making it even better. They had a baby together, and got divorced when my nephew was 4 months old. Shortly after that, they hooked up, she got pregnant again, and also got the nice big house in the divorce. They stayed separated (DRAMA), but she didn't want to live in the house, so she rented half of a duplex and put the house on the market. It took quite a while to sell, so she was paying the mortgage AND her rental. Finally, she sold it on a land contract, and started making plans to build a new house. She also started dating a new guy "Mark". Mark has his own house that he is paying on. The people buying Jane's house defaulted on the payments, so the Victorian is back to Jane, complete with mortgage. She is still renting & living in the duplex. And now, she and Mark are building brand-new a 400k+ dream house. This brings the total to 3 houses and one small apartment. She is living in the apartment with her two kids, and they are paying for all four residences. Because she wants the big house in the prestigious neighborhood, she hired the cheapest contractor, who, after about 8 months, still hasn't even broken ground. Did I mention that the rental on the apartment is more than the mortgage on the Victorian? Throw in financing a new SUV every couple of years (last one was a BMW), 30k+ in student loan debt, credit cards for every store, and yeah. Bad with money.
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Dec 26, 2013 14:18
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IllIllIll posted:Gotta say, this thread makes me feel so much better about my student loan situation. However, it did make me realize that my credit card rate is 21%. I haven't noticed because until last month I've never carried a balance and therefore never paid a cent in interest. How did I get stuck with 21%? It's not the penalty rate, thats motherfucking 30%. Nearly all cash back cards have a rate of that amount.
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Dec 26, 2013 15:04
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Weatherman posted:What exactly are the thought processes behind someone seeing the sentence "spend the mortgage money on _______" and filling in anything except "the mortgage"? Sorry for the delay on this riveting tale: her plan was apparently "Pay my student loan late, they don't care!  " Option B, which we went with, was "Borrow the money from my affluent parents and pay them back  " Her parents are where she gets all her bad money habits. They're really good with money, but when they were poor she was young so they hid from her all the financially responsible poo poo they did to make ends meet. By the time she was old enough to learn money management, they were well off enough to cover whenever problems came up or their kids did dumb stuff so all she really learned was "My parents will let me know if there's ever a problem & they'll bail me out". The student loans do seem to have a ten-day grace period before they do anything, as I've been keeping an eye on stuff and this has happened more than once that she pays late & sees no warnings, penalties/fees or interest rate hikes. This (albeit small) level of financial awareness is a big improvement: a few months after I proposed to her, I paid off a $500 credit card for her. She had charged $300 on a credit card and...she was making the minimum payment...every other month. Her mom would only remember to give her the bills if they had big red PAST DUE notices on them and my wife took no precautions to keep things like said bills from slipping through the cracks. She owed almost as much in late fees and interest as she had charged. And she still had a better credit rating than I did because apparently being late every other month is better than not having a credit history beyond a few student loan payments.
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Dec 26, 2013 16:10
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People who sign up for multi-level marketing schemes are definitely bad with money! Penn & Teller do a good show about it. https://www.youtube.com/watch?v=Ep3pO7X7fEQ
Switchback fucked around with this message at 03:24 on Dec 28, 2013 |
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Dec 26, 2013 18:14
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oldskool posted:
Her parents really need to read The Millionaire Next Door. It has a couple of chapters about exactly the problems affluent parents create by giving money to their kids without appropriate precautions. Maybe your wife needs to hear it too. This will probably come to a head as her parents reach the end of their lives. It will be a stressful for you guys as it would be if you were facing a layoff. If it comes to that, then she might not get a chance to mourn because she'll be so hung up on the money.
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Dec 27, 2013 15:08
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Switchback posted:People who sign up for multi-level marketing schemes are definitely bad with money! Penn & Teller do a good show about it. Well Hey that is delightfully
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Dec 27, 2013 16:10
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oldskool posted:Her parents are where she gets all her bad money habits. They're really good with money, but when they were poor she was young so they hid from her all the financially responsible poo poo they did to make ends meet. By the time she was old enough to learn money management, they were well off enough to cover whenever problems came up or their kids did dumb stuff so all she really learned was "My parents will let me know if there's ever a problem & they'll bail me out". Stories like this really make me appreciate the effort my dad went through to make sure I learned proper money management way before I even left high school. Growing up, if his family wasn't in poverty, they were drat close to it. However, my grandmother had lived through the Great Depression so she had the skills to help her family by. Most importantly, she taught my dad everything she knew about fiscal responsibility, who then taught me. Even though my parents spent their last few working years in the 1%, they still took the time and effort to make sure I was money smart. Thanks again, dad. Content: My college roommate, P, who now has probably about 150k in law school debt, is currently unemployed and just signed a lease for a new car. Apparently you gotta look the part to make it in the law world. I really feel bad for him because he's a genuinely nice person who I still hang out with whenever I get the chance. It just crushes me sometimes to see the decisions he's making. 
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Dec 27, 2013 18:16
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mr_cardholder posted:Content: My college roommate, P, who now has probably about 150k in law school debt, is currently unemployed and just signed a lease for a new car. Apparently you gotta look the part to make it in the law world. I really feel bad for him because he's a genuinely nice person who I still hang out with whenever I get the chance. It just crushes me sometimes to see the decisions he's making. No you don't. That's just what he's telling himself as an excuse for why he hasn't made it yet.
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Dec 27, 2013 20:37
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My roommate's been saying she had a lot less money this month to pay her credit cards and that she was gonna start eating more of the food I make since a big chunk of her bills are food related. We have tons of leftovers from Christmas (neither of us went home and a mutual friend came for dinner) but the past two days she still went out for food. Like she'll open the fridge, stare at all the glass see through containers of leftovers we have, and complain there's nothing to eat and ask if I want to go to [restaurant] with her. She also came home from Costco with a probably overpriced Chinese cleaver last weekend because the demo guy showed her how awesome it was to cut food but the problem is she doesn't cook or even wants to learn and I the knives I have run circles over whatever she bought. She also just up and decided to drive to an outlet mall 45 minutes away on the highway from here because the Northface outlet store there has a 40% sale. I pointed out that's 1.5 hours of driving just to get a jacket when there are malls close by and she said "oh" disappointedly, but then cheered right up 5 minutes later and said "I'll just buy some ear rings and boots to make the drive worth it!" I think her car is also like 25 mpg on the highway and takes premium gas too.
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Dec 28, 2013 01:33
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Boris Galerkin posted:She also just up and decided to drive to an outlet mall 45 minutes away on the highway from here because the Northface outlet store there has a 40% sale. I pointed out that's 1.5 hours of driving just to get a jacket when there are malls close by and she said "oh" disappointedly, but then cheered right up 5 minutes later and said "I'll just buy some ear rings and boots to make the drive worth it!" I think her car is also like 25 mpg on the highway and takes premium gas too. My wife and I used to rent a P.O. box just across the U.S. border for $10/yr plus $2.50 per package delivered to take advantage of better prices compared to Canadian sites and free shipping when shopping online. We'd have to spend a decent amount of money to justify a 70 mile round trip plus gas and border wait times though. We'd usually combine it with a trip to Costco and a tank of gas or something. I was once able to save $200 on a laptop when my old one died, but now that the Canadian dollar isn't worth quite as much, it's pretty hard to justify a trip south of the border when we have to spend so much to "save money"
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Dec 28, 2013 04:15
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Check out this gem of an e/n thread:Cloyster posted:The past four months of my life have been well.. loving me in the rear end with a splintery wooden dildo and I'm at a total loss as to how to even begin to cope with life. First things first, I moved into a slum in Stockton, CA (from the east bay area) early this year that was infested with cockroaches, mice, termites, bed bugs etc. That was a lovely experience, THEN the apartment building suffered a huge flood from the top floor that had water rushing through most of the walls in the apartment next to mine. The management decided that the "building was strong" and only fixed cosmetic damages. http://forums.somethingawful.com/showthread.php?threadid=3597413
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Dec 28, 2013 15:42
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That just sounds like someone who's down on their luck, it's hard to be good with money when you don't have any. The rent thing wasn't smart, but that's legal stuff and honestly a common misconception, and the drinking binge, well... Many of us would have done the same.
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Dec 28, 2013 16:23
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Eh. Reposting from e/n is pretty lovely. This isn't GBS 2.1 or FYAD.
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Dec 28, 2013 16:29
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FrozenVent posted:That just sounds like someone who's down on their luck, it's hard to be good with money when you don't have any. The rent thing wasn't smart, but that's legal stuff and honestly a common misconception, and the drinking binge, well... Many of us would have done the same. She certainly did spin it that way didn't she.
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Dec 28, 2013 16:35
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 This what you drink when someone dies and you don't have any money.
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Dec 28, 2013 17:18
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From that E/N thread it appears that the reason they have no money is 
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Dec 28, 2013 17:28
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That man and his wife are literal homeless people and you guys are picking on them? I'm all for funny stories of people putting down payments on credit cards and the like, but that guys life is loving tragic. edit: Saros posted:From that E/N thread it appears that the reason they have no money is Or maybe they are retarded.
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Dec 28, 2013 17:29
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They didn't pay rent for several months and what happened to that money, were they ordered to pay back rent or something?
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Dec 28, 2013 17:40
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mobby_6kl posted:They didn't pay rent for several months and what happened to that money, were they ordered to pay back rent or something? They spent it all on weed. Edit: I admit I'm a dick, but to call these people "down on their luck" is completely disingenuous. This is the direct result of poor decisions they've made. She's burned family bridges because she had already moved back home and was completely irresponsible about being an adult and excuses it as "I was over privileged." I am unsympathetic to her woe, as is the rest of that thread. Switchback fucked around with this message at 01:12 on Dec 29, 2013 |
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Dec 28, 2013 17:48
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I think my roommate just asked if I knew anything about tax evasion. She's in a LDR with her college boyfriend several states away. She wants to know if she can claim residency in her home state somehow so that she can deduct her flights there and back to visit her boyfriend as business expenses since she'd technically have to travel back here in order to work. I just told her she should really look up how taxes work cause she has no clue and thinks she's in the highest tax bracket (she's only in the 25% bracket). Oh and she ended up buying way more at the outlet mall than what she planned. She even got a "free" jacket because she found a gift card in her car for a store so she was able to buy the jacket she wanted with that, and then she bought a second one since you know the first one was free.
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Dec 28, 2013 18:49
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I'm starting to love your roommate. More!
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Dec 28, 2013 22:11
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The roommate stories rule. Picking on homeless people have been exiled by their families and seen their friends die does not rule. To contribute: I rented a Mustang when I visited my family for Christmas and it cost way more than I intended to spend. It was fun and the extra came out of budgeted blow money, but I am now eating leftovers instead of sushi because of SHAAAMMMMMMEEEEEEEEE. drat you, poor impulse control!
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Dec 28, 2013 22:24
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I'm sure we've all done a less extreme version of this but someone just told me that they kept a movie from Netflix 6 months without watching it and it ended up costing something like $100. Isn't the return envelope included? (never used the service)
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Dec 28, 2013 22:59
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corkskroo posted:I'm sure we've all done a less extreme version of this but someone just told me that they kept a movie from Netflix 6 months without watching it and it ended up costing something like $100. Isn't the return envelope included? (never used the service) As far as I'm aware, there are no late fees with Netflix? I kept the same movie for years, and then finally canceled the service and never sent the movie back. It ended up costing me around $15, for the cost of the DVD I never sent back. Slightly overinflated but nothing crazy. If I'd just sent the movie back, there would have been no penalty.
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Dec 28, 2013 23:53
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I think he is more referring to the old school netflix where you pay a monthly subscription for mail order dvds. If he had the plan where you only got one DVD at a time, he was paying $7.99 a month to "own" this DVD which he never exchanged. Of course, savvy people (read: assholes) knew that you could call netflix, say it got lost in the mail, and get free DVDs.
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Dec 28, 2013 23:57
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Yeah, I don't know exactly what the problem was, just that he said it in a "hey I'm so dumb hurr dee hurr" sort of way.
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Dec 29, 2013 00:03
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corkskroo posted:Yeah, I don't know exactly what the problem was, just that he said it in a "hey I'm so dumb hurr dee hurr" sort of way. I think anyone who used Netflix's disc service ended up doing that at some point. I rented a movie and didn't have time to watch it for awhile, so I ended up paying 3 months of subscription to sit on a movie. Not even sure I ever watched it before sending it back.
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Dec 30, 2013 20:38
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CitizenKain posted:I think anyone who used Netflix's disc service ended up doing that at some point. I rented a movie and didn't have time to watch it for awhile, so I ended up paying 3 months of subscription to sit on a movie. Not even sure I ever watched it before sending it back. Yeah I've done that too. The good thing about Netflix is there's no contract, so you can cancel your monthly service at any time and just re-subscribe instantly if you start wanting to rent movies again.
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Dec 31, 2013 00:01
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A request: does anyone remember a Yahoo Finance article about a woman and her husband who, having paid off their mortgage, refinanced for over 100,000$ to make renovations and pay for vacations?
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Jan 1, 2014 18:16
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Isentropy posted:A request: does anyone remember a Yahoo Finance article about a woman and her husband who, having paid off their mortgage, refinanced for over 100,000$ to make renovations and pay for vacations? If only that story wasn't tragically all-too-common, especially here in SoCal.
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Jan 1, 2014 23:47
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There was that one where she refinanced to a 40 year mortgage to pay off her credit cards and increase cash flow so they could spend more. Is that the one you're thinking about?
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Jan 2, 2014 01:30
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Harry posted:There was that one where she refinanced to a 40 year mortgage to pay off her credit cards and increase cash flow so they could spend more. Is that the one you're thinking about? Yes! The thing about the article was that it wasn't presented as a cautionary tale, but as a "helpful tip".
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Jan 2, 2014 03:46
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Kind of related to this thread, but I just heard about this book on NPR: http://www.amazon.com/Scarcity-Having-Little-Means-Much/dp/0805092641 It's about how scarcity affects how people think, and how it (obviously) tends to skew behavior towards the immediate, short term while sacrificing long term plans or forestalling problems. It's interesting in that scarcity can mean scarcity of means, time, skills, money - anything. It seems to affect human behavior the same. It reminds me of how my bosses treat every week as some do or die scenario, and always forestall the next big project. We're certainly not broke, but in terms of time or resources, we act like the stereotypical "bad with money" idiot - always chasing the next tiny, insignificant task instead of looking at the big picture.
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Jan 3, 2014 00:19
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Overheard today: "Well I have to have two TV's, because if you don't have two TV's you've failed at life!"
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Jan 3, 2014 08:11
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