gvibes posted:

Back on the baby clothes comment from a couple pages back, I am generally pleasantly surprised how nice the cheap baby clothes are. Like, Carters is super freaking cheap and seems totally good.

cowofwar posted:

Any adult that undertakes a job where they expect to get covered in poo poo is going to wear their most ragged worst clothes. Yet that same adult will buy brand name expensive clothes for a baby who will immediately barf and poo poo on them.

Haifisch posted:

Because they're expecting to show off their baby to other people, and heaven forbid someone sees their baby in poor clothes.

Also I doubt most of the people buying luxury babywear would do anything where they'd expect to get covered in poo poo(other than having a baby, I guess).

JohnGalt posted:

At least your HR person doesn't get passive aggressive all the time. Simultaneously knowing everyone's pay and being paid less than equivalent positions in core departments just doesn't do well for some people.

Rurutia posted:

If winter wasnt a thing my baby would still be in diapers only most of the time.

Rurutia posted:

If winter wasnt a thing my baby would still be in diapers only most of the time.

Leon Trotsky 2012 posted:

I work for a government agency and all of our salaries are public record. Our HR head actually makes the 3rd most of anyone in administration.

Leon Trotsky 2012 posted:

I just do it for the love of the game, son.

Leaving money on the table is BWM.

GoutPatrol posted:

Is eating out BWM if it costs less than 3 dollars a meal?

ate all the Oreos posted:

For $3 a meal you're probably getting cancer or something which is super BWM

https://www.reddit.com/r/legaladvice/comments/5jk618/landlord_damaged_our_property_while_evicting_can/ posted:

My girlfriend and I rented an apartment from an older woman (not like a corporate owned building). She used to work with us on back rent but eventually we were three months behind and she said we would have to move out Dec 1. We agreed but couldn't find a place and she agreed to extend it Dec 15.

We found a place but we have jobs and couldn't move out so she said we had until Dec 19 to move out and that the extra days would all be added to our unpaid rent pro-rated (so three months and 19 days, about $2180).

We moved out all the furniture and stuff but still had a few things, some work clothes and some food/drink in the refrigerator and glasses/silverware in the cupboards. I should say we spent the night of Dec 19 at our new place and though for was OK we left a few things in the old place. In Wisconsin it was below zero temps and a blizzard which made moving harder. We mostly cared about the work clothes because my girlfriend needs to meet a dress code for her job. Well we weren't totally out by Dec 19. We came back and her adult son was there changing the locks. He said we were out of time and he was throwing away whatever was left. We threatened to call the cops and he said go ahead and left.

The cop came and listened to our story and said legally our tenancy was terminated Dec 19 since her and us agreed to that and even we moved out bc we weren't there. I should say we didn't have a lease and were just month to month. Ok. He said we could arrange a time with her to get our stuff back or handle it civilly in small claims court.

So we called her a bunch of times and finally got her. She said we could come back Dec 20 and get our stuff. My gf went over there and nobody was there, door still locked, but our poo poo was just outside the front door of the building in boxes. Our food and stuff froze and burst in the cold weather and some glasses and plates broken. We think this is pretty outrageous she let some of our food and stuff get ruined when she knows we're hard up for money. Also my girlfriend had to call in sick for work because she didn't have the right clothes to go to work on Dec 20.

We estimate $130 in damages ($80 in missed work and $50 in damaged possession) and would like it to count against the $2180 we owe her. We called and told her this and got all pissy, basically turned into a screaming match on the phone, and she said she cut us all these breaks and now we're loving her around and we're pieces of poo poo and to pay we we owe her or she'll sue us and report us to credit reporting agencies. She also said there was damage beyond the $600 deposit and that she could add additional charges to our bill if she wanted.

Can we take her to small claims court to get the cost of the damages taken off our rent bill?

Switchback posted:

BraveUlysses posted:

That works until they learn to shove their hands down their diapers

ate all the Oreos posted:

For $3 a meal you're probably getting cancer or something which is super BWM

zocio posted:

He probably doesn't live in the USA, in Peru my lunch, at a jungle Peruvian cuisine restaurant costs just under that and includes an entree and the fruit juice or tea of the day. This is in Lima the capital, you can actually get equally good food for less in the interior.

Eating in Peru, GWM.

Leon Trotsky 2012 posted:

Nope, I do live in the USA. I ate at Chic-Fil-A every day with Gift cards I got 5% off. It's about $3.49 for a grilled chicken entree (plus 5% off) and every 4 or 5 receipts you get a free coupon for a chicken sandwich (which I would just eat the chicken; because who puts pickles on a chicken sandwich?)

$3.31 per meal * 60 meals = $198.6. Subtract about 10 free meal coupons (3.31 * 10) and you get: $165.50 or $2.76 per meal.

I had about 80% of my paychecks sent to my Roth 457(b) that month. It was nice. Not a fun month though.

Don't do this if you have high blood pressure or can't stand eating the same thing over and over.

ate all the Oreos posted:

My man have you heard of this thing called Soylent

Bonus for not supporting the shithead that owns chic-fil-a and also for giving you atomic farts and cadmium.

quote:

Is it possible to have the federal government use my social security tax (federal savings program) to pay off my federal student loans?

quote:

Your social security payment is not being saved for your retirement; it's being used for current retiree's payments. So no.

That seems... Backwards.

quote:

When the program first started, how would you provide benefits to people that have never paid anything in

Cut spending elsewhere or Use Federal Reserve dollars

quote:

Serious question: Did they not cover how Social Security works in your high school civics or economics class? They did in my high school.


Maybe but I was like 14 at the time. I'm 28 now and knowing the basics of how social security works hasn't really been on my radar until I had this shower thought this morning. It was always just a tax I saw come out of my paycheck every two weeks and a check my dad started getting in the mail a few years back. That and I heard rumblings that my generation may not ever see the tangible benefits from it because it's becoming unsustainable due to population booms and people living longer, etc. I'd rather have my money now before someone else takes it.

quote:

What seriously? No. That is not how "social" security works. It isn't your money.


It's my income that gets taxed. How isn't it mine? I now understand the basics of how it operates. But yeah my income that gets taxed is certainly mine. The government takes it to put into a social welfare program. I guess at that point it's no longer mine and is just a part of a large pool of cash. But at first it's certainly mine. I just want to ask them to redirect my money.

quote:

Have multiple tribal installment loans at once, and being eaten alive. What happens if I stop paying them?

I have been in a financial bind for a few months now, and due to a cycle of borrowing, being unable to repay, and having to borrow more, not to mention ridiculous interest rates, have found myself being buried.

I currently have 3 active installment loans from online tribal lenders: Green Trust Cash, SpotLoan, and American Web Loan. I live in the state of Oregon.
The agreements all contain statements saying that the loan is from a business that resides within the jurisdiction ____ reservation, therefore is subject only to the laws of the _____ tribe, and no state or federal law applies.

My payments are all linked to my bank account and set to come out every 2 weeks via automatic ACH transaction, and, since I can't stop the transactions, I continue to get hammered in overdraft fees as well.

The interest rates on these are all ridiculously high (~600% APY). For my $600 Green Trust Cash loan, I will have to repay well over $2000 if I take the full term.

I need advice on what to do and how to handle this. I have no money right now (checking account overdrawn by $300 and I'm 2 weeks behind on one of the payments).

None of the lenders are licensed in the State of Oregon. Were I just to get a new checking account and stop paying, what would happen? Would they try to have me arrested? The agreements say that the only court with authority over the loans is the tribal courts. It wouldn't appear on my credit, since they don't report to credit agencies. Is the worst case scenario that they continue to badger me, or could they then sell the debt to a collections agency which would have more power, or what? And how does being sued by an Indian nation work?

Obviously those are all things I hope to avoid. How should I go about handling this? I cannot afford to keep doing this. I have been in contact with them a bit, but I just got a notice saying Spotloan is currently charging me daily interest plus a $10 fee.

Also, two of the companies had me list references, as well as all 3 of them having my work number. I'm afraid they may start badgering me at work or badgering my loved ones (I think I listed my dad and my girlfriend).

I saw something about someone from Washington sending a letter saying that the loan was illegal, and due to certain state stipulations were not obligated to repay it.

Any advice would be appeciated. Thank you in advance.

Leon Trotsky 2012 posted:

Hello friends, I need help with a budget. I currently have $2,500 in principle on 3 different payday loans at 610% APR (seriously) and in addition I am constantly being charged a DAILY late fee of $10, which is triggering a DAILY overdraft fee of $30 on my checking account.

Here is my budget plan:

- Do everything the exact same
- Stop paying my loans
- Open a new bank account
- Assume it will all go away

FYI: They are Native Americans and Online, so I don't actually have to pay it back, right?

Any critiques of my new budget? Thanks

LLCoolJD posted:

The social security Millenial is still so naive and fresh-faced.

ate all the Oreos posted:

My man have you heard of this thing called Soylent

Bonus for not supporting the shithead that owns chic-fil-a and also for giving you atomic farts and cadmium.

quote:

How to classify bitcoin for foreign tax credit?

I'm trying to figure out my taxes for this year and want to claim an investment loss and a foreign tax credit for my bitcoin holdings. I purchased them from a Swedish coin bank and had to pay with USD and paid for currency exchange rates and Swedish taxes. I know there is a tax credit for buying foreign investments and was trying to figure out how to classify my bitcoins.

I currently have 32.6 BTC (~$28,300 USD) that had a purchase value of $33,389. I tried to file on TurboTax, but it was not clear on how to do it and my calculation came out with me owing money. Therefore, I'm doing it by paper and submitting by mail. I tried to get in touch with someone from H&R block, but the local agent was not familiar with BTC and wanted to charge a large sitdown fee. Does anyone know of any BTC-friendly accountants or if there is a way to get Turbotax to properly credit my losses and foreign tax credits on BTC exchanges in other countries?

Any help is appreciated.

Leon Trotsky 2012 posted:

Here's some light tax fraud with our favorite crypto-currency:

Dwight Eisenhower posted:

If social security taxed income past $125k it'd be pretty hard for it to go insolvent.

That it still doesn't is pretty mind boggling.

Bhodi posted:

do people who make more than that actually get that in the form of a payroll check? I thought it ends up being stock or dividends or some other form of income that is sheltered or taxed differently.

quote:

How to start my own Index Fund?

Hi, I know that Index funds are very popular and I have been doing my research. It seems like a lot of funds could be doing better. Most of the big ones leave out investments that have grown rapidly over the past years like gold, bitcoin, and tech stocks (Nintendo grew 8 billion dollars when Pokemon Go came out and many gamers were following it closely, but Wall Street had no clue). I've been doing a ton of research and know that index funds are the safest way to invest and that people feel comfortable with them, but aren't getting the best results from Wall Street or don't trust them.

Could I start my own index fund, invest other peoples money and then pay myself a portion of the money? It would be exactly like the other funds do, excpet it would be run better with different investments. How do I report this on taxes and how do I get my fund listed on some of the big websites and legal? Do I need a seperate business checking account for it?

Thanks

Leon Trotsky 2012 posted:

There is a 0% chance that his bitcoin qualifies for the foreign tax credit though. And it looks like he is claiming investment losses without actually selling them.

Not to mention doing his taxes on paper so he can write that in because Turbotax won't let him do it.

I don't see that ending well. Best case scenario is that he gets lucky and it slips through.

Bhodi posted:

do people who make more than that actually get that in the form of a payroll check? I thought it ends up being stock or dividends or some other form of income that is sheltered or taxed differently.

quote:

13 years old - best way to handle money?

I started designing websites for close friends and local businesses, and so far most of it had been under the table, like $50 in PayPal or cash. I've started receiving offers from bigger companies (not local) for $500+, etc.

What would the best way to handle all of this, and as somebody new to money and taxes, is there income tax for under the age of 18?

I have a savings account and willing parents - should I do all transactions through them?

Live in California.