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Jack2142 posted:In order to not come across as too The only time you should worry about going to jail is if the IRS sends you a letter with a gold fringe.
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Sep 23, 2016 05:03
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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.
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Jack2142 posted: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. There was a poster who mentioned (in this thread maybe? I don't remember) that some suspicious "tax collectors" actually did come to his house, without any kind of real ID, saying "oh we sent you a letter didn't you get it??" and he thought they were scammers because they were really pushy and just showed up at his house one day unannounced so he shut the door in their face and locked them out Turns out that no, they were in fact actual tax collectors, oops! (though iirc they were state-level, which just adds to the confusion, since an IRS official might never do something that a state does all the time, etc)
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Sep 23, 2016 05:10
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It's that time of year again for these scammers. In the past month I have received calls from; "The IRS", a collections agency representing Comcast, A third party representing an ongoing class action lawsuit against Verizon and a place that wanted me to donate to the "Breast Cancer Research Fund". Not foundation, fund. As soon as you challenge them with even a half assed question, they hang up.
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Sep 23, 2016 05:18
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Parallel Paraplegic posted:There was a poster who mentioned (in this thread maybe? I don't remember) that some suspicious "tax collectors" actually did come to his house, without any kind of real ID, saying "oh we sent you a letter didn't you get it??" and he thought they were scammers because they were really pushy and just showed up at his house one day unannounced so he shut the door in their face and locked them out That seems really weird that the actual tax collectors even state level ones wouldn't have any identification to prove they just weren't random guys trying to bilk you for cash. Like Fish and Game guys have "Insert State" Fish and Game ID even though they just wear plain clothes and look like random Hunters/Fishermen when they come over to make sure your not violating rules. Jack2142 fucked around with this message at 05:24 on Sep 23, 2016 |
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Sep 23, 2016 05:21
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VendaGoat posted:It's that time of year again for these scammers. How do you get all the fun ones, the only ones I ever get are the indian guys from "Microsoft Windows" who tell me my computer has a virus and I need to enter some codes
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Sep 23, 2016 05:47
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Parallel Paraplegic posted:How do you get all the fun ones, the only ones I ever get are the indian guys from "Microsoft Windows" who tell me my computer has a virus and I need to enter some codes He goes to better porn sites.
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Sep 23, 2016 06:30
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Today I got calls from three different alcoholism treatment/rehab centers, so I don't know what that's all about or who has my personal info now. At least they didn't tell me that I had blacked out and employed their services and now owed them money!
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Sep 23, 2016 06:32
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pig slut lisa posted:Today I got calls from three different alcoholism treatment/rehab centers, so I don't know what that's all about or who has my personal info now. At least they didn't tell me that I had blacked out and employed their services and now owed them money! In Virginia they play the pity card hardfuckingcore. The Virginia State Troopers Association uses (maybe now used to use) developmentally challenged solicitors to ask for donations. Because you know, who would tell a downie to gently caress off when calling for donations?
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Sep 23, 2016 13:20
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Probably the kind of rear end in a top hat that refers to someone with Down's Syndrome as a "downie."
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Sep 23, 2016 15:03
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Jack2142 posted:That seems really weird that the actual tax collectors even state level ones wouldn't have any identification to prove they just weren't random guys trying to bilk you for cash. Like Fish and Game guys have "Insert State" Fish and Game ID even though they just wear plain clothes and look like random Hunters/Fishermen when they come over to make sure your not violating rules. That was me. The tax officials *did* have official ID, they just jumped back like Count Dracula facing garlic when I tried to take a picture of it so I could check later that they were the real deal. Seems dumb since I have no idea what the state tax ID cards look like and an official looking fake ID would have looked fine to me. It seemed to me like that is exactly what a scammer would do, so I didn't let them in, because they hadn't sent anything in the mail or phoned us beforehand to say they were coming. We eventually sorted it out, it was an issue where we had paid the tax but although it showed up in their system as "received" it didn't show up as "paid" so they thought we had paid nothing with no explanation. And they thought they had sent letters about it, but we never got them, so who knows if they did or not. We have a similar address to a nearby building and they are always getting our mail so it was probably that. Turning up at our doorstep was a last resort for them, because they thought there was no other way to contact us.
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Sep 23, 2016 15:35
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Ornamented Death posted:Probably the kind of rear end in a top hat that refers to someone with Down's Syndrome as a "downie." https://www.youtube.com/watch?v=7xtiN2-_eEQ either the most offensive or most empowering show in history, who knows
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Sep 23, 2016 16:18
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I think I just witnessed a person be so BWM that they looped around into being good with money. My Coworker: - Makes 28k a year - Getting a wedding loan for her wedding this November - Her Fiance interns at a car rental business - not clear if it is a paid internship or not. He wants to be a cop, but had to drop out of police academy this year, so he is going to be without an income (or whatever his car internship might pay) until he graduates from next year's police academy in December 2017. - They just bought a house with 6% down a month ago. - Both have student loans and large amounts of credit card debt. BWM: Despite having lots and lots of debt, she uses the Chase Sapphire Preferred as her only credit card. It has a roughly $100 annual fee and they are not really making it back in rewards on a 28k income. BWM: They booked a ~$5,000 pre-wedding vacation to Aruba GWM: Fiance got his passport photos for free at Walgreens BWM: Fiance didn't have the $75 to pay his passport processing fee and put it off. BWM: Fiance forgot to apply for a passport and just now realized that it takes 6 weeks. GWM: Due to using a credit card that is terrible for them 99.9% of the time, they had travel insurance through their credit card and got reimbursed for the trip. GWM: They decided to just be slightly stupid instead of insanely stupid and do just a normal honeymoon instead of "pre-wedding vacation", wedding a month and a half later, and then honeymoon. GWM and BWM: They cut their wedding budget and are going to use part of the wedding loan to fund their honeymoon instead of a credit card, because it has a lower interest rate. 
Leon Trotsky 2012 fucked around with this message at 20:35 on Sep 23, 2016 |
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Sep 23, 2016 20:33
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Leon Trotsky 2012 posted:I think I just witnessed a person be so BWM that they looped around into being good with money. I didn't realize "wedding loans" were an actual thing until now 
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Sep 23, 2016 20:38
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Parallel Paraplegic posted:I didn't realize "wedding loans" were an actual thing until now Apparently they have lower interest rates than credit cards! GWM!
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Sep 23, 2016 20:41
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Parallel Paraplegic posted:I didn't realize "wedding loans" were an actual thing until now Lol, everything is a loan now because median wages are shittier than ever but people are still trying to live like they aren't. It's alllllll part o the plan. edit: You know, for all the assholes who want to 'disrupt' things by blatantly breaking a bunch of laws and treating workers like poo poo, it's funny no one is trying to 'disrupt' the payday loan industry by offering non-usurious rates.
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Sep 23, 2016 20:54
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The wedding industry is the most hilarious thing in the world. I called to check the prices to rent out a backroom of a bar and have it open bar for 4 hours for my friend's birthday. The bar asked if it was for a wedding right off the bat. After talking to him about their rates I asked him why he wanted to know if it was a wedding or not and the guy on the phone laughed and said, "We tack on an extra couple hundred if it's for a wedding...but we'll put up white table clothes and stuff." Weddings are such a loving rip off. Just get married in front of a judge then throw a giant open bar/catered party for your friends and family. Might cost a couple thousand dollars so long as you don't let the venue know its for a wedding. AND ANOTHER THING! Closing the damned bar during dinner is the worst poo poo. Nothing is worse than running out of table wine and drinks mid way through the second Maid of Honor crying about how she'll never find a love like her friend has.
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Sep 23, 2016 20:58
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pathetic little tramp posted:edit: You know, for all the assholes who want to 'disrupt' things by blatantly breaking a bunch of laws and treating workers like poo poo, it's funny no one is trying to 'disrupt' the payday loan industry by offering non-usurious rates. If you offer non-usurious rates you have to compete with actual banks, who don't offer those rates because, get this, people who sign up for ridiculously bad loans stop paying them pretty often
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Sep 23, 2016 21:03
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I feel for my coworker, but her decisions are all so bad. Her mom was some kind of alcoholic and her Dad died when she was really young. Her mom helped her get this house and is not good with money, but is trying to buy forgiveness after not talking to her daughter for 6 years. My other coworkers all cheered her on and encouraged her to buy the house and get the wedding loan because "You only do it once! Make it memorable! It's your special day! Don't take no for an answer!" I briefly tried to encourage her not to get a loan for a wedding and to not put major charges on the credit card when you are already thousands of dollars in debt (hundreds of thousands of dollars if you include both their student loans and mortgage) on a 28k income. But then I became the dream crusher and was not going to get into a fight with my boss (who was really adamant about advising her to go big) about weddings. Everyone in my office is a middle-aged woman except for my younger woman coworker and one middle-aged man. They are all obsessed with encouraging her to go bigger and better and telling her how they missed out on one aspect of their wedding and how it is tacky to not have this aspect of a wedding and they really regretted not spending more on their own weddings. It's terrible.
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Sep 23, 2016 21:06
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Leon Trotsky 2012 posted:I feel for my coworker, but her decisions are all so bad. Her mom was some kind of alcoholic and her Dad died when she was really young. Her mom helped her get this house and is not good with money, but is trying to buy forgiveness after not talking to her daughter for 6 years. Lol, what a toxic environment. Of course they are going to tell her to go all out. They can then attend an awesome wedding and don't have to deal with your coworkers eventual bankruptcy and foreclosure on her house.
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Sep 23, 2016 21:09
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Solice Kirsk posted:Weddings are such a loving rip off. Just get married in front of a judge then throw a giant open bar/catered party for your friends and family. Might cost a couple thousand dollars so long as you don't let the venue know its for a wedding. Please don't start this for the ten millionth time and just laugh at the dumb people
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Sep 23, 2016 21:15
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"It's your special day!" is the worst kind of brain poison. People can justify so many things they'll later regret when it's presented as the ONE DAY you get to feel special.
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Sep 23, 2016 21:18
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Solice Kirsk posted:Weddings are such a loving rip off. Just get married in front of a judge then throw a giant open bar/catered party for your friends and family. Might cost a couple thousand dollars so long as you don't let the venue know its for a wedding. Getting married is pretty bad with money in general, you end up paying more taxes. Also some married people choose to do the ultimate BWM thing and have kids.
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Sep 23, 2016 21:18
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Not a Children posted:If you offer non-usurious rates you have to compete with actual banks, who don't offer those rates because, get this, people who sign up for ridiculously bad loans stop paying them pretty often There are ways to address the things that payday loans address without taking on the unsecured loan risk. At least one company is doing so up here. I'll step away from the derail though.
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Sep 23, 2016 21:17
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Subjunctive posted:There are ways to address the things that payday loans address without taking on the unsecured loan risk. At least one company is doing so up here. Making payday loans available through a fart app isn't going to make them any less usurious.
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Sep 23, 2016 21:19
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fits my needs posted:Lol, what a toxic environment. Of course they are going to tell her to go all out. They can then attend an awesome wedding and don't have to deal with your coworkers eventual bankruptcy and foreclosure on her house. When I first started here I didn't realize how terrible everyone was with money. When we go out for office birthdays we don't get separate checks; instead we just split the total bill evenly among everyone except the birthday person. This has lead to some weird arms race where everyone thinks they are "getting a deal" and order the $28 entree, drinks, and appetizer. Our birthday lunch I attended I got a Fried Rice with Chicken Entree at a Sushi place for $11 and water and ended up paying $38 with tip. It's a small thing, but is kind of indicative of how nobody thinks through the actual cost and ends up spending even more. I also had people ask me if I was in financial trouble because I said my car insurance only costs $48 a month and my boss told me "A car that you can insure for $48 a month is not a car you should be seen driving."
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Sep 23, 2016 21:23
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Leon Trotsky 2012 posted:When I first started here I didn't realize how terrible everyone was with money. When we go out for office birthdays we don't get separate checks; instead we just split the total bill evenly among everyone except the birthday person. This has lead to some weird arms race where everyone thinks they are "getting a deal" and order the $28 entree, drinks, and appetizer. The solution to this is "oh I brought my lunch because I'm on a paleo-keto-vegan-macrobiotic diet and can only eat free range seaweed  " GWM: driving a car that only costs $48/month to insure
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Sep 23, 2016 21:29
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Twerk from Home posted:Getting married is pretty bad with money in general, you end up paying more taxes. I think this is not true for most people. It becomes true as incomes get higher and more equalized between the two partners, and if the unmarried couple could play with itemized deductions in a smart way. If I had to randomly guess, I would think about 25% of couples pay more for getting married and 50% would pay less.
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Sep 23, 2016 21:30
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If you think about it, being alive is the ultimate BWM. Get a nice life insurance policy, have an "accident", and boom your back account is filthy rich. Best of all it won't even go down over time!
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Sep 23, 2016 21:36
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Can we talk about that unpaid internship at a car rental place? I know we've discussed it before, but it's my favorite part of Leon's stories. Like what exactly is he learning? I had an unpaid internship once, but that was for something that required a license and certification. Is there a rental certification I'm not aware of?
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Sep 23, 2016 22:06
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pathetic little tramp posted:Lol, everything is a loan now because median wages are shittier than ever but people are still trying to live like they aren't. An important part of that Uber-esque model is "offloading risk to some other chump", and it already exists and it's called peer to peer lending.
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Sep 23, 2016 22:14
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Krispy Kareem posted:Can we talk about that unpaid internship at a car rental place? I know we've discussed it before, but it's my favorite part of Leon's stories. Yes thank you I agree with this 100% and was about to post the same thing
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Sep 23, 2016 22:27
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Krispy Kareem posted:Can we talk about that unpaid internship at a car rental place? I know we've discussed it before, but it's my favorite part of Leon's stories.
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Sep 23, 2016 22:27
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Please find out somehow if he is getting paid for this car rental internship or not.
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Sep 23, 2016 22:30
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I hope he's being paid in car rental gift cards.
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Sep 23, 2016 22:37
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Barry posted:I hope he's being paid in car rental gift cards. Pretty sure you can pay your taxes with those, so I guess it's a win.
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Sep 23, 2016 22:51
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Barry posted:I hope he's being paid in car rental gift cards. Loyalty points.
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Sep 23, 2016 22:57
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Motronic posted:Pretty sure you can pay your taxes with those, so I guess it's a win. 
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Sep 23, 2016 23:02
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Not a Children posted:If you offer non-usurious rates you have to compete with actual banks, who don't offer those rates because, get this, people who sign up for ridiculously bad loans stop paying them pretty often It can be a business that works. You just have to put a lot more work into it. https://www.self-help.org/ is an organization that does that. I read a really good book about it (Broke, USA by Gary Rivlin). To be mildly on topic, I have a coworker who is Trump orange (not relevant, but still) and was complaining about rates for full insurance coverage on a 2004 Jeep that has long since been paid off.
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Sep 23, 2016 23:23
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Enfys posted:Please find out somehow if he is getting paid for this car rental internship or not. Doing a quick google, it looks like they offer paid internships. I've never straight up asked her if he gets paid though. I have also wondered what you do as an intern there. The website is pretty vague about what exactly they do.
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Sep 23, 2016 23:31
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Leon Trotsky 2012 posted:Doing a quick google, it looks like they offer paid internships. I've never straight up asked her if he gets paid though. If it's like other internships they do the menial work that the company doesn't want to pay a secretary/runner to do. THen at the end of the internship they get hired on at minimum wage because they "really showed us something!"
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Sep 23, 2016 23:40
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