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FrozenVent posted:Isn't natural gas in the shitter too? I think the difference is, NG is cheap because it costs so little to produce (because of fracking) -- so it's still profitable. The tar sands in Canada/Northern USA are only viable when oil is in the neighborhood of $70/barrel. Current average prices are a bit more than half of that.
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Sep 21, 2016 06:21
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americong posted:aw frick Oh man, I remember finding one of those for a guy who applied for clearance and had to explain why he had kept digging "practice graves" for intended victims. Not really BWM but I'll try to find it.
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Sep 21, 2016 06:23
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Mojo Threepwood posted:Oh man, I remember finding one of those for a guy who applied for clearance and had to explain why he had kept digging "practice graves" for intended victims. Not really BWM but I'll try to find it. Digging your own grave is very GWM actually. I assume that's totally what he was doing, honest guys.
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Sep 21, 2016 06:25
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FrozenVent posted:Isn't natural gas in the shitter too? Natural gas is like the new wonderfuel. It was profitable when they had to actually go and look for it and it's even more profitable now that it's a literal byproduct of fracking. I mean, it's cheaper than coal - and that's something local communities are almost begging suppliers to dig up in exchange for a few lovely, dangerous jobs. oRenj9 posted:The tar sands in Canada/Northern USA are only viable when oil is in the neighborhood of $70/barrel. Current average prices are a bit more than half of that. I don't know if it was this thread or another one, but I posted a link that shale in Texas is profitable at $10 a barrel. I guess shale is similar to oil where the Saudi stuff is super cheap to produce, but oil pumped in other regions takes a lot more work and processing.
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Sep 21, 2016 13:42
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File under: Bad Advice From Your Parents https://www.reddit.com/r/personalfinance/comments/53t1gm/my_fianc%C3%A9e_dropped_out_of_grad_school_three_weeks/ quote:Hey /r/personalfinance,
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Sep 21, 2016 15:53
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Barry posted:File under: Bad Advice From Your Parents Moneyball posted:Looking at the best of legal advice thread linked to from the student loan fraud thread, I think we need to start a BWM bingo card, if we haven't already. Just have to pick out what the center spot will be: "Owns horse," "Car worth more than yearly salary," or like their bingo card, "Florida"
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Sep 21, 2016 16:01
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Barry posted:File under: Bad Advice From Your Parents How was she enrolled if she hadn't paid tuition or even set up a demonstrable way she was going to pay?
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Sep 21, 2016 19:24
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The other day I found out my family has no equity in any of the property they have 'owned' for the last 10+ years because they all got "interest payment only" mortgages pre-2008 and have just been paying interest and nothing else for years and years waiting for the market to recover so then can finally sell. I want to sit them all down and scream in their faces but obviously I can't  \/\/\/ yup pretty much Roylicious fucked around with this message at 20:55 on Sep 21, 2016 |
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Sep 21, 2016 20:17
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so paying rent but a bonus albatross around their neck at no additional fee
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Sep 21, 2016 20:18
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Tiny Brontosaurus posted:How was she enrolled if she hadn't paid tuition or even set up a demonstrable way she was going to pay? My first payment of the semester wasn't due until 10 days after classes started, and if I didn't make it they would have given me another 2 months before force dropping everything. Maybe wouldn't have even done that - just a registration and transcript block.
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Sep 21, 2016 21:54
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Roylicious posted:The other day I found out my family has no equity in any of the property they have 'owned' for the last 10+ years because they all got "interest payment only" mortgages pre-2008 and have just been paying interest and nothing else for years and years waiting for the market to recover so then can finally sell. This sort of crazy behaviour makes no sense to me. About 40% of mortgages in New Zealand are interest only. Interest only takes less cash flow to maintain than a 30 year mortgage, some are for rentals which don't worry me so much, but if the bubble bursts here I can see this being a problem. The other thing that gets me is that inflation is almost zero in NZ so the mortgages are just a straight up debt without inflation diminishing the principle. Probably best to shout at a large portion of the population.
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Sep 22, 2016 00:24
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I know they are gone now but these still make me laugh. I've been broke but I've never been this stupid.  http://www.fool.com/investing/general/2015/05/19/western-sky-loans-are-no-more-but-we-can-all-learn.aspx
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Sep 22, 2016 00:56
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oRenj9 posted:I think the difference is, NG is cheap because it costs so little to produce (because of fracking) -- so it's still profitable. NG is also perceived to be a much longer term fuel than oil or coal. It's not going to die anytime soon, unlike coal which is dead and oil which will be dying soon.
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Sep 22, 2016 01:25
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Barry posted:File under: Bad Advice From Your Parents Horrible parents with stupid kids. His GF sounds extremely spoiled, who starts graduate school and drops out 3 weeks in? 25% is actually very generious. My school hit you up for the whole semester after a certain due date.
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Sep 22, 2016 01:33
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Biscuit Joiner posted:I know they are gone now but these still make me laugh. I've been broke but I've never been this stupid. https://www.consumeraffairs.com/finance/westernsky-com.html One time i looked up what happens when you drink mouthwash as booze long term and found a page of like, dozens of comments of people about their alcoholic spouses/children/parents drinking mouthwash because they're alcoholics but can't afford booze/are cut off. That's pretty much the saddest bunch of text I've ever read. Users reviewing Western Sky? Close second.
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Sep 22, 2016 04:07
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Tobacco, casinos, and 300% interest rates. Indians have to get their victories where they can I guess.
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Sep 22, 2016 14:17
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Krispy Kareem posted:Tobacco, casinos, and 300% interest rates. Well, they had the Little Big Horn.
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Sep 22, 2016 17:13
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Biscuit Joiner posted:I know they are gone now but these still make me laugh. I've been broke but I've never been this stupid. The legal status of using the Cheyenne law instead of us law is an interesting tactic. I don't see why any judge would enforce a debt found to be violating local laws
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Sep 22, 2016 17:22
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I don't live in the US, so I don't quite understand how the reservations etc work - are they treated as a sort of independent entity of some kind where US laws don't apply?
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Sep 22, 2016 17:29
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Enfys posted:I don't live in the US, so I don't quite understand how the reservations etc work - are they treated as a sort of independent entity of some kind where US laws don't apply? Sometimes yes, sometimes no. It's a bizarre situation.
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Sep 22, 2016 18:18
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Enfys posted:I don't live in the US, so I don't quite understand how the reservations etc work - are they treated as a sort of independent entity of some kind where US laws don't apply? Depending on which one yeah they get to set their own laws to a point. I guess a similar situation would be the autonomous regions in China like Hong Kong where they're still effectively subservient to the government but otherwise set their own rules about everything else
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Sep 22, 2016 18:27
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Guinness posted:Sometimes yes, sometimes no. It's a bizarre situation. https://en.wikipedia.org/wiki/Sue_(dinosaur)#Dispute_and_auction There's a documentary on Netflix called Dinosaur 13 about the story of digging up the most complete T-Rex fossil, and the ensuing legal drama. The land that the fossil was found on was just outside of a reservation, and the owner was a tribal member who had the land held in trust by the US Dept. of the Interior. One of the lawyers interviewed called it "legal purgatory" Pretty good show, and it's such an absurd and bizarre sight to see the FBI and National Guard raiding these geeky paleontologists' offices and trailers.
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Sep 22, 2016 18:44
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Guinness posted:Sometimes yes, sometimes no. It's a bizarre situation. It really is. In school I worked on a group project that had a local tribe as a "client." As part of my slice of the work, I needed to get some basic info on what laws and regulations did and did not apply on tribal land with regards to things like building permits, occupancy, and the like. I could never get a straight answer from anyone.
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Sep 22, 2016 19:37
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olylifter posted:https://www.consumeraffairs.com/finance/westernsky-com.html I wish I hadn't clicked on this. You weren't kidding 
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Sep 22, 2016 19:36
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edit: whoops, quote is not editOrnamented Death posted:It really is. In school I worked on a group project that had a local tribe as a "client." As part of my slice of the work, I needed to get some basic info on what laws and regulations did and did not apply on tribal land with regards to things like building permits, occupancy, and the like. I could never get a straight answer from anyone. This is such a strange idea to me. How does anyone know what laws do or don't apply then? I was reading some of the reviews posted in the link above about the lending service, and there were stories there of the Native Americans telling people that Federal and State laws didn't apply when they had problems. How do people know what their rights are?
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Sep 22, 2016 19:40
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My assumption was that there were definitive answers to all of my questions, I just wasn't asking the right people. The way it was explained to me is that, generally speaking, tribes just adopt whatever local laws are for most things, like the building permit stuff I mentioned earlier, because it's just easier that way. At the end of the day, though, the federal (and often state and local) government can step in and just smack down tribal laws. Sure, there will be lawsuits over it, but the lawsuits are carried out in US courts so the outlook is not good for the tribe.
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Sep 22, 2016 20:11
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Enfys posted:edit: whoops, quote is not edit Tbh I think we basically go with what they want as much as possible because of all the crushing guilt.
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Sep 22, 2016 20:51
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Its also pretty screwed up because reservation courts have limitations on how they can charge people who are not native american, so there are situations where some dude comes onto a reservation and breaks the law, but can't be charged and it has to be passed to the federal government on the hope they will decide to pursue it. This created an immensely hosed up situation for domestic/sexual violence where the tribal courts couldn't charge people and the federal government wasn't doing anything until just a couple years ago when the ability of tribal courts was expanded to cover that.
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Sep 22, 2016 21:13
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Jeez. Just scrap the whole system and let them join the rest of America's oppressed minorities. Legalize gambling everywhere and call it a wash.
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Sep 22, 2016 21:23
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I got a speeding ticket going through a reservation once. I had to bribe the cop to keep him from towing my truck. Then I had to pay the tribe for the right to enter their land so I could attend their court. Then I got to wait my turn for the court to tell me I was guilty and pay my fine, didn't even get a chance to plea. When I left I got pulled over again, by the same cop, for "swerving." Another $100 to him got me on my way. Never took that way to get to my sister's place again. I also called my local police department when I first got the ticket to see if I had to pay it at all and they said they would respond to the reservation's warrants if they sent one. I have no idea where you guys are that the local law enforcement doesn't help with tribal law, but it certainly didn't work that way in Arizona.
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Sep 22, 2016 21:41
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I live in the Charlotte, NC, area (go riots!), so the tribe I'm talking about is the Catawba. I'm sure the local police can and do help them out, and the tribe does a fair bit in the local community. For example, they have a bus service for tribe members but pretty much anyone can use it, free of charge.
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Sep 22, 2016 21:52
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I actually live in Massachusetts, so what I posted was stuff that I had read in articles on the topic.
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Sep 22, 2016 22:03
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Those western sky stories are nuts. Multiple people to out a loan for $1500 to only receive $1000 because $500 was removed in "fees." Then after several thousand dollars in monthly payments they find they still owe $1500 or more.
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Sep 22, 2016 22:43
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Solice Kirsk posted:I have no idea where you guys are that the local law enforcement doesn't help with tribal law, but it certainly didn't work that way in Arizona. I am nodding my head. 10 years ago I would frequently drive the US-89 and/or US-89A in northern AZ. Everyone's heard of the small towns on the highways, where the local PD brings in 800% of their annual operating budget by writing speeding tickets to out-of-towners passing through their 2 mile long kingdom. The cops just cruise up and down the town looking for it. Now imagine that small town is 150 miles long, and that small town gets to dictate what the fine will be for those speeding tickets. I always told people if they were driving up to see me to never ever speed through the reservation. If you speed, you are very likely to get stopped. If you get stopped, you will get a ticket, you will have to pay, and it will be expensive. There's a town in southern Utah that took it a step further, and put out a police truck with light bar parked under a tree withe a blue uniformed dummy in the driver's seat. A law enforcement scarecrow 
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Sep 22, 2016 23:46
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Does this qualify as bad with money?quote:The man claimed to be from the Internal Revenue Service and had her name and home address. She owed back taxes and taxes for school, he said, and she needed to pay now or be arrested.
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Sep 23, 2016 00:02
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URL grey tea posted:Does this qualify as bad with money? In fairness to the young college student, we're going above and beyond sleazy salesman pressure tactics when impersonating a federal officer occurs. Trauma shuts down one's reasoning ability. Hell of a story, though. 
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Sep 23, 2016 01:32
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I just mail my W-2 and some iTunes gift cards to the IRS each year and I haven't had any issues. I got hit with capital gains last year and had to drop a Cabela's in there too. loving Obama.
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Sep 23, 2016 01:47
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LLCoolJD posted:In fairness to the young college student, we're going above and beyond sleazy salesman pressure tactics when impersonating a federal officer occurs. Trauma shuts down one's reasoning ability. Yeah there's been plenty of psychological studies done on how perceived authority completely shorts out your reasoning. Everyone thinks they're not stupid and wouldn't fall for it, but if your brain decides the person ordering you around is a Real Serious Authority, which it can do with little help from you based on pretty arbitrary criteria, you're pretty drat near certain to do whatever they say, even truly horrific things
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Sep 23, 2016 03:58
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I got the same type of scam call from the "IRS" however I have a degree in Accounting and am studying for the CPA Exam so obviously this is bullshit. First off the IRS doesn't call they send you mail. Secondly why the gently caress would the government demand you pay your taxes in gift cards, like I could understand demanding cash, check made out to cash or money order, but gift cards seriously??? and anyway since I had only worked the summer while going to school I didn't have any income tax withholdings and made less than the filing threshold so no need to waste time with filing a return. So I just started laughing when they said the IRS was going to arrest me if I didn't put a bunch of money on a Visa prepaid and mail to them. They asked me what was so funny about going to jail for "BREAKING THE LAW"!!! I just told them "The IRS doesn't accept cards how about a check made out to gently caress OFF" and hung up. At least it made the bus ride home amusing. *Edit* In order to not come across as too  I have helped out doing volunteer tax returns for low income people and the lack of knowledge about the tax system and how the IRS works and all the misinformation spewed around especially by alot of Right Wing "New" sources I can definitely see how someone can be taken advantage of by this scam. If you already think taxes are robbery and the IRS is shady then this fits the narrative.
Jack2142 fucked around with this message at 05:03 on Sep 23, 2016 |
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Sep 23, 2016 04:43
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LLCoolJD posted:In fairness to the young college student, we're going above and beyond sleazy salesman pressure tactics when impersonating a federal officer occurs. Trauma shuts down one's reasoning ability. My parents were (maybe still are) getting those scam calls. My mom was a little concerned at first but had the good sense to realise the IRS probably wasn't using what sounded like a call center in India.
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Sep 23, 2016 04:49
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