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crazypeltast52 posted:The heirs might sue if he dig something up right away and visibly sells it. What would be the basis of the suit? Buying land because you know something (development plans) that the owner doesn't is a time-honoured Anglosphere tradition.
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Oct 29, 2016 00:57
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Electrical Fire posted:Does it count as like insider trading or something if you buy that property? Dibs, called it. Back off.
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Oct 29, 2016 02:14
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I don't think anything would happen to be honest. But their son is a piece of poo poo and with no one looking out for them anymore they'll probably give it all to him with in a couple years, if they haven't already. They were so nice, some of the most giving and sweetest people I've know, but crazy. I still get upset about their decision even though I've changed jobs and haven't spoken to them in a couple years. Maybe I'll give a call next week to check up on them.
Solice Kirsk fucked around with this message at 14:33 on Oct 29, 2016 |
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Oct 29, 2016 14:30
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Subjunctive posted:What would be the basis of the suit? Buying land because you know something (development plans) that the owner doesn't is a time-honoured Anglosphere tradition. For starters the valuable property buried on the lot would not obviously convey with the sale, and even beyond that it would not obviously belong to whomever sold the house and property in the first place.
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Oct 29, 2016 16:44
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BEHOLD: MY CAPE posted:For starters the valuable property buried on the lot would not obviously convey with the sale, and even beyond that it would not obviously belong to whomever sold the house and property in the first place. Just make sure you get 6' of mineral rights.
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Oct 29, 2016 17:22
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Blergh  I overdrafted my account $1350 gambling. Idk what to do. posted:Hello reddit.. 26, no stable job, $3K maxed out credit card, blows $300 cash at the casino, and then overdrafts his account by $1,350, resulting in nearly $300 of fees. Hopefully his parents can help him out and then put him on an allowance, cause this guy isn't prepared to handle his own money right now.
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Oct 30, 2016 03:54
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On the bright side, at least that guy doesn't have a kid he's loving over with his gambling problem  OP posted:So a little background, Our only source of income is a Disability check we get once a month which is $1900. Now I know that this is not like Bill Gates level but it gets us by (or it should). We pay about $1400 to $1500 in bills so that leaves $500 to $400 for the rest of the month right ? No because he pretty much Gamble's it faster than we can deal with so that leaves us with $0 dollars in our wallets (not bank because he has poo poo credit). So in order to eat for the rest of the month we have to live on local churches and reservation food. He's a nice guy and I really love him but I brought it up to him he got all defensive and saying I'm to young to worry about our money etc etc. Guys can you please help me to try to stop him from doing this bullshit ? Someone else posted:Are you old enough to work and/or move out? If so then you should. OP posted:Nope 14 pig slut lisa fucked around with this message at 04:01 on Oct 30, 2016 |
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Oct 30, 2016 03:59
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That guy has a serious addiction if he's making his kid go hungry, and there's nothing the kid will be able to do or say to him that will make a difference to him at that point
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Oct 30, 2016 10:51
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Seems so odd to have a serious $400/month gambling addiction that leaves your kids hungry. Like, there's almost self control in that he's only gambling what he has, but I guess that's environmental since he has no credit. Still, you'd think a real 'serious' addict would spent the $1500 for rent and other bills also. He almost sounds like more rear end in a top hat than addict.
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Oct 30, 2016 15:55
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Krispy Kareem posted:Seems so odd to have a serious $400/month gambling addiction that leaves your kids hungry. Or he's just better at hiding the kidney he lost at the poker table last week from his 14 year old than the food money.
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Oct 30, 2016 17:10
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Enfys posted:That guy has a serious addiction if he's making his kid go hungry, and there's nothing the kid will be able to do or say to him that will make a difference to him at that point To him, probably not. To the authorities, on the other hand...
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Oct 30, 2016 19:22
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From the bankruptcy thread:quote:He brought up an example with Best Buy that offers a secured credit card and the collateral is whatever you purchase on it. I guess its in the fine print or something (I thought you had to pay a deposit to open a secured card, which I have never done) because clients he's had overlooked it and thought they had an unsecured credit card. Is this real because holy poo poo America.
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Oct 30, 2016 20:21
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DuckConference posted:From the bankruptcy thread: I don't know but it sure sounds like something Best Buy would do 
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Oct 30, 2016 20:42
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Krispy Kareem posted:Seems so odd to have a serious $400/month gambling addiction that leaves your kids hungry. There's quite a few gambling addicts in New Zealand that behave like this. Spending a large portion of the food budget while their kids go hungry. Either at the casino or McDonalds.
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Oct 30, 2016 20:50
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DuckConference posted:From the bankruptcy thread: What does that mean? That Best Buy can send people to your house and repossess your big screen TV? Because I, for one welcome the reality of people trying to hold onto their electronics as movers carry them out the door like they used to do on TV.
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Oct 30, 2016 21:47
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Krispy Kareem posted:He almost sounds like more rear end in a top hat than addict. The two are not mutually exclusive.
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Oct 30, 2016 21:50
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Krispy Kareem posted:What does that mean? That Best Buy can send people to your house and repossess your big screen TV? It means they could and can make the threat. Doesn't mean they will. Not sure what the difference between this and a secured car loan is.
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Oct 30, 2016 22:20
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monster on a stick posted:It means they could and can make the threat. Doesn't mean they will. Or, indeed, a mortgage.
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Oct 30, 2016 23:19
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Krispy Kareem posted:What does that mean? That Best Buy can send people to your house and repossess your big screen TV? I, for one, welcome the reality of Best Buy trying to recoup their investment. Between the cost of hiring repo people and the fact that most consumer electronic devices depreciate pretty rapidly, I can't imagine it being worth their while for the vast majority of cases.
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Oct 30, 2016 23:29
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Cockmaster posted:I, for one, welcome the reality of Best Buy trying to recoup their investment. Between the cost of hiring repo people and the fact that most consumer electronic devices depreciate pretty rapidly, I can't imagine it being worth their while for the vast majority of cases. I'm sure they would just sell the debt for pennies on the dollar to someone who's time it is worth. I also doubt they have secured cards for offer.
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Oct 31, 2016 02:14
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Another gambling addiction that led to defrauding IRD of over $600k with 2/3 of it spent at the casino. Also bad with life getting 3 years in prison. http://www.stuff.co.nz/national/crime/85917068/former-ird-worker-operated-company-outside-the-tax-system
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Oct 31, 2016 03:00
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Dustoph posted:I'm sure they would just sell the debt for pennies on the dollar to someone who's time it is worth. I also doubt they have secured cards for offer. Then what would they gain from having the stuff purchased on the card as collateral?
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Oct 31, 2016 03:18
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Pressure for the customer to pay up? Still a weird strategy.
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Oct 31, 2016 03:25
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Does it allow them to extend credit to people who wouldn't otherwise be worthy of unsecured cards?
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Oct 31, 2016 04:26
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NancyPants posted:Does it allow them to extend credit to people who wouldn't otherwise be worthy of unsecured cards? If Best Buy cards work like most other store cards, then there is no law that says they couldn't extend credit anyone they want. This is probably some weird way to allow them to recoup any losses more easily.
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Oct 31, 2016 14:17
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Leon Trotsky 2012 posted:If Best Buy cards work like most other store cards, then there is no law that says they couldn't extend credit anyone they want. This is probably some weird way to allow them to recoup any losses more easily. It's probably also better for them accounting-wise to be issuing ostensibly-secured credit than unsecured. Subjunctive fucked around with this message at 14:21 on Oct 31, 2016 |
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Oct 31, 2016 14:18
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DuckConference posted:From the bankruptcy thread: I had given the lawyer the list of creditors I owed and he remarked that Best Buy wasn't there. He told me he sees a lot of BK cases with BB as a creditor and sometimes they object to a discharge because of the agreement that was made in the initial application. He said the debtors didn't know they were secured cards and what was put up as collateral were the purchases they made in store. So basically either the debtor would give up those assets to BB or agree to reaffirm the debt. Since I didn't have BB as a creditor I didn't ask him any other questions but he told me I should review, if I could, the agreements with the creditors I have and if there's anything in the fine print. He cited some code which I was unable to find on Google. I tried googling for a secured BB card but only.thing I saw was a BB Rewards Zone secured card. I didn't check BB's site either. I just know that secures cards require a cash deposit and I never had to do that to open a credit card.
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Oct 31, 2016 14:42
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Perhaps it's using shame as a motivator. I can see more than a few families giving Best Buy priority over another merchant's Chase or Visa card if not paying meant repo men come to your home on a Saturday afternoon to haul out your poo poo. So no, repo'ing electronics isn't worth the trouble, but the threat of repossession could get people to pay up. Overall it seems like one of the more tame methods at bill collection (i.e. no calling your families, employers, threat of prison).
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Oct 31, 2016 15:05
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I agree it's not worth the trouble and they could just sell the debt for pennies on the dollar. I think we are aware of the woes that have plagued that retailer post-recession (and maybe before) so perhaps they think it could mitigate some of their losses? Maybe the banks that extend credit to BB customers wanted some kind of "insurance", I have no idea. I figure the purchases BB would object in a bankruptcy case would involve thousands of dollars. I'd imagine someone just bought a new house and furnished it with new appliances and electronics from BB, then found themselves overwhelmed with the payments or something happened to their income in the short period after purchase. I can't imagine they'd risk the amount of legal fees over a TV purchsed two years ago if litigation was involved.
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Oct 31, 2016 15:36
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Are you the person from the thread? Care to share your BWM story?
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Oct 31, 2016 15:39
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Barry posted:Are you the person from the thread? Care to share your BWM story? I have nothing to show for with all of my debt. The biggest asset I have is a car but that's only valued around ~$4250. Next is a computer I bought a year ago that's maybe worth around ~$1100. If only I had Blue Story's SW toy collection... But nothing in the way of gambling debts or drug or alcohol problems. Just to be clear I don't judge anyone who is going through that. I don't hold moral superiority over anybody. My views on spending/money are different than the frugality I see on here. I don't discount those that want to be frugal and cut back on whatever they feel is wasteful. Although my issue is telling others how they should be spending their money/time. That doesn't mean I'll defend BS, she clearly needed therapy, but I'm not sure the answer is to not be in society and whip yourself over purchases. Every aspect of our society is exploitative in some way and I think it's important to change that. And I don't think that begins by examining what an individual should or not do.
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Oct 31, 2016 15:56
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Subjunctive posted:It's probably also better for them accounting-wise to be issuing ostensibly-secured credit than unsecured. This is along the lines of what I was thinking. Their bank may not allow unsecured cards if credit score is under X, but they allow secured cards to be issued to people with much worse credit because it's "less" risk. It's like some of the tricks being used to qualify people for mortgages they absolutely couldn't afford.
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Oct 31, 2016 16:04
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e: wrong thread
No Butt Stuff fucked around with this message at 19:06 on Oct 31, 2016 |
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Oct 31, 2016 19:01
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Confounding Factor posted:My views on spending/money are different than the frugality I see on here. I don't discount those that want to be frugal and cut back on whatever they feel is wasteful. Although my issue is telling others how they should be spending their money/time. That doesn't mean I'll defend BS, she clearly needed therapy, but I'm not sure the answer is to not be in society and whip yourself over purchases. Every aspect of our society is exploitative in some way and I think it's important to change that. And I don't think that begins by examining what an individual should or not do. Ehh, like you said, people are told all the time about how they should spend their money by people and organizations that want to enrich themselves off of it. A realtor will tell you that it's totally a good idea to wipe out your savings and put down 3% on a house, because prices keep shooting up up up and if you wait you'll get priced out. A random internet stranger here saying "you can't actually afford that and that's a stupid idea" is a message that comes from a different place. To me, money is a resource, and personal finance is a big stupid game where the odds are stacked against the consumer in every way. People who suck at it aren't morally deficient, they're just bad at the game and could be much happier. https://np.reddit.com/r/legaladvice/comments/5ac6jd/9_hours_of_unpaid_voluntary_training_that_acts_as/ quote:9 hours of "unpaid, voluntary training" that acts as a second interview for a job? (PA) (self.legaladvice) I'll pay you for your "volunteer hours" with a "souvenir check"
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Oct 31, 2016 19:01
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No Butt Stuff posted:I returned something on one credit card, and added it back to the budget. Then I paid that card off for the month and paid the other one down to a small balance until payday just to have cash in checking. For some reason it shows the card I paid off is negative, which I assume is overpaid. This is also rolling into next month and holy poo poo it is making me irrationally angry. I have no idea where this came from or how to fix it and it's really pissing me off. I loving hate nYNAB and I think it's almost time to switch to financier. Credit cards pay back overages after about X number of months. It's pretty standard procedure, so yeah - it's going to roll over for at least 3 billing cycles. EDIT: unless you're just complaining about nYNAB. Which is perfectly justifiable because nYNAB sucks.
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Oct 31, 2016 19:06
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wrong thread, but there was no overage that I'm aware of. The card that shows the negative balance has been paid in full before the end of every month.
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Oct 31, 2016 19:06
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canyoneer posted:Ehh, like you said, people are told all the time about how they should spend their money by people and organizations that want to enrich themselves off of it. Uh that's cool if PA is a special snowflake, but "volunteering" at a for-profit enterprise is still just exploitation, no matter how granola they present themselves. It doesn't make you a non-profit just because you constantly operate in the red.
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Oct 31, 2016 19:18
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quote:The distraught mother turned to police after receiving ransom demands via message to her mobile phone. She turned up at the police station in Parla, a dormitory town south of Madrid last Thursday despite warnings not to go to authorities. She was told to leave €600 in cash at a secret location. "If you want to see your son again and live the rest of your life in peace". Officers immediately leapt into action following established protocol for kidnappings but quickly located the 21-year-old walking freely around the town. https://www.thelocal.es/20161031/son-faked-his-own-kidnap-to-get-600-from-his-mother
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Oct 31, 2016 23:13
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Devian666 posted:https://www.thelocal.es/20161031/son-faked-his-own-kidnap-to-get-600-from-his-mother Following the link on my Android device led me to a massive browser hijack and fake virus warning.
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Oct 31, 2016 23:21
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Confounding Factor posted:I agree it's not worth the trouble and they could just sell the debt for pennies on the dollar. I think we are aware of the woes that have plagued that retailer post-recession (and maybe before) so perhaps they think it could mitigate some of their losses? Maybe the banks that extend credit to BB customers wanted some kind of "insurance", I have no idea. If repo'ing electronics were not worth it, Aaron's and other Renton to own bottom feeders wouldn't exist. We live in a world where you can LEASE TIRES FOR YOUR CAR.
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Oct 31, 2016 23:23
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