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A girl I knew in college quit her job as an accountant at a Fortune 500 company to become a tattoo artist's apprentice. She never got licensed. Now she works on a farming commune and does unlicensed tattoos for the other members of the commune, solicits donations on Facebook, and is also a witch? 
Leon Trotsky 2012 fucked around with this message at 02:54 on Jan 27, 2017 |
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Jan 27, 2017 02:46
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Leon Trotsky 2012 posted:A girl I know in college quit her job as an accountant at a Fortune 500 company to become a tattoo artist's apprentice. She never got licensed. Living on a commune is GWM though cuz you can mooch off your magic woodpecker sisters' doritos for free Also mods please change name to "Hashtag Bog Witch" tyia
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Jan 27, 2017 02:50
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From a GBS thread on "searching forums to get funny counts of things on one forum vs another"Veskit posted:"Horse"
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Jan 27, 2017 03:03
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therobit posted:How do you suggest banks verify? Typically people are verified for mail, phone, and internet applications by using the data provided on the application and comparing it to internal and 3rd party data. If a parent has all this information already, the there may not be any red flags to suggest there is a problem with the application. Additionally, regulators take a dim view of applying additional scrutiny to phone, mail, and online applications. Many lenders lend outside of thier physical footprint so asking everyone to come into a branch isn't realistic, especially for institutions without physical branch offices. If you file a police report once you discover the fraud, they will work with you to get it cleared up. If you are not willing to file a police report, then why would they? If the banks who are lending to people without knowing who they were suddenly were legally responsible for their bad investments then the problem would fix itself.
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Jan 27, 2017 03:33
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Used to work at a major movie theater in high school. Someone found a glitch in the touch screen computer system for ticket sales, that if you touched the right spot at the right time, it would spit out duplicate movie tickets, but not register them in the system. People would get a group of 4 paying cash, ring up 2 tickets and duplicate them. Put half the cash in the register and keep the other half. A guy bought a brand new Toyota Tacoma with cash this way. I only worked there for a short time but I think no one ever got caught and the only way it got stopped was when the company eventually updated the software. I think the only way they would have got caught is if they over sold a movie. Some of those people were bringing in $800 a day. I bet the GM was getting hammered by corporate for sales targets dropping so much. But then again, 95% of their profit comes from concessions. I would just steal the free movie vouchers from customer service and trade them to the Chipotle workers next door for burritos....
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Jan 27, 2017 03:52
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C.H.O.M.E posted:If the banks who are lending to people without knowing who they were suddenly were legally responsible for their bad investments then the problem would fix itself. They aleady are you loving retard. They all have policies which are governed by federal law that include provisions for what happens in the event of fraud. They pay to insure against large losses and generally will eat small losses, and most institutions will not hold customers accountable for identity theft losses that are reported in a timely manner and that have been reported as fraud to the proper authorities. If someone refuses to report the fraud to police, what reasonable justification is there to say they are not lying about the identity theft? Just trusting them would be very BWM. You also did not explain what you think banks arw not doing in these cases that they should be and that would also pass federal scrutiny and would not place an undue burden on legitimate borrowers. You seem think it is both possible and feasible to end fraud completely, so let's hear you plan.
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Jan 27, 2017 03:56
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therobit posted:You seem think it is both possible and feasible to end fraud completely, so let's hear you plan. Abolish banks. 
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Jan 27, 2017 04:01
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Leon Trotsky 2012 posted:A girl I knew in college quit her job as an accountant at a Fortune 500 company to become a tattoo artist's apprentice. She never got licensed. Definitely BWM, but I can't help but respect the bold choice of throwing away good career prospects to embrace a very alternative lifestyle. #bogwitch
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Jan 27, 2017 04:05
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Sic Semper Goon posted:Abolish banks. Realistically, this would probably make it worse as less regulated, uninsured entities rushed into the market.
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Jan 27, 2017 04:12
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Some vintage BWM: Live paycheck-to-paycheck as a top surgeon, duck out mid operation so you can cash a check before the bank closes. Lose your medical license, get sued to oblivion and wind up in jail on drug charges. http://archive.boston.com/news/globe/magazine/articles/2004/03/21/what_went_wrong/
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Jan 27, 2017 04:46
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Pekinduck posted:Some vintage BWM: Live paycheck-to-paycheck as a top surgeon, duck out mid operation so you can cash a check before the bank closes. Lose your medical license, get sued to oblivion and wind up in jail on drug charges. "Fromson ticks off the warning signs: verbally abusive behavior, tardiness, unexcused absences, inappropriate sexual behavior. The signs of strain tend to come first in a doctor's personal life. "When things happen at the workplace," he says, "usually they have been going on for a long time." Yeah, doctors and every single other person on the planet. I don't think people with drug addictions are worthy of scorn or derision for that alone, but you don't see poor people or people who aren't doctors having their cases referred to as loving Greek tragedies when they decide to sling meth and abandon their patients. I have worked with doctors all my adult life and guess what, they're just as stupid and human as everyone else.
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Jan 27, 2017 06:36
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Pekinduck posted:Some vintage BWM: Live paycheck-to-paycheck as a top surgeon, duck out mid operation so you can cash a check before the bank closes. Lose your medical license, get sued to oblivion and wind up in jail on drug charges. Holy moly. Thanks for this article. Grade A prime schadenfreude. The guy reminds me of some of my classmates.
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Jan 27, 2017 06:52
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Krispy Kareem posted:You might get away embezzling from a small business or even a local city or county government. But you go to jail stealing from the bank (note you do not go to jail for stealing identities in a bank). But you will become a people's hero by burning down the bank comrade. E: therobit posted:Realistically, this would probably make it worse as less regulated, uninsured entities rushed into the market. 
BallerBallerDillz fucked around with this message at 07:02 on Jan 27, 2017 |
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Jan 27, 2017 06:58
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Leon Trotsky 2012 posted:A girl I knew in college quit her job as an accountant at a Fortune 500 company to become a tattoo artist's apprentice. She never got licensed. the line up the back of the hand says either BER or REV depending on which direction you read it
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Jan 27, 2017 08:19
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MisterOblivious posted:the line up the back of the hand says either BER or REV depending on which direction you read it Really should have had it keep going up the middle finger and spell out gently caress or something
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Jan 27, 2017 08:40
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I fell down the deep hole of fake news sites and stumbled upon this this. I...I can't tell if this poo poo is real (I'm leaning towards 'no'). The whole site is kinda sketchy and it has no internet presence outside of the site itself. Gorman Thomas fucked around with this message at 09:40 on Jan 27, 2017 |
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Jan 27, 2017 09:37
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Is "tatty" some sort of obscure Jewish slang?
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Jan 27, 2017 11:18
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therobit posted:They aleady are you loving retard. They all have policies which are governed by federal law that include provisions for what happens in the event of fraud. They pay to insure against large losses and generally will eat small losses, and most institutions will not hold customers accountable for identity theft losses that are reported in a timely manner and that have been reported as fraud to the proper authorities. If someone refuses to report the fraud to police, what reasonable justification is there to say they are not lying about the identity theft? Just trusting them would be very BWM. Hm. You seem upset. They're not being held responsible for making bad loans if they hit someone's credit without figuring out who they are giving money to. Make it illegal to hurt someone's credit when you didn't do due diligence to figure out who you were lending to. Easy peasy.
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Jan 27, 2017 12:46
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C.H.O.M.E posted:Hm. You seem upset. How do you suggest they make sure more than they are doing now? DNA tests?
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Jan 27, 2017 14:04
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Pekinduck posted:Some vintage BWM: Live paycheck-to-paycheck as a top surgeon, duck out mid operation so you can cash a check before the bank closes. Lose your medical license, get sued to oblivion and wind up in jail on drug charges. I will see your crazy Boston surgeon, and raise you a crazy Indiana surgeon who racked up $6 million in debt, had 350 malpractice lawsuit pending, then fled to Switzerland: http://www.vanityfair.com/news/2011/01/missing-doctor-201101
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Jan 27, 2017 15:10
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I can't tell if this is GWM or BWM or so BWM that it warps around to being GWM: My coworker told me that he is getting almost 9k back in tax refunds. I asked him how that was possible and apparently, he lived rent-free for the first year he was at his current house. He got used to spending all of his money and got into a lot of trouble when he had to start paying rent each month. So, he ends up making a ton of voluntary withholdings and taking no exemptions on his taxes every year so he can get a massive tax refund and then pays his rent for the entire year upfront so he can keep spending his checking account down to zero each month without worrying about it.
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Jan 27, 2017 15:14
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There's a perverse self awareness there but... geez.
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Jan 27, 2017 15:26
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It's GWM in that it stops him from being even worse with money, I guess?
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Jan 27, 2017 15:28
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That's still super bad with money If you're not going to have access to the money you're earning, you might as well be earning dividends on it.
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Jan 27, 2017 15:28
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Is there some kind of savings account that would do that, specifically not let him access the money until a year later (since that's what I assume his big deal here is)? I know CD's sort of work that way but do they even make 1-year CD's?
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Jan 27, 2017 15:29
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ate all the Oreos posted:Is there some kind of savings account that would do that, specifically not let him access the money until a year later (since that's what I assume his big deal here is)? I know CD's sort of work that way but do they even make 1-year CD's? Ally bank has them at 1.05%
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Jan 27, 2017 15:31
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C.H.O.M.E posted:Hm. You seem upset. Actually they are being held responsible if the victim reports the crime to the police and files a police report. The victim provides the police report to the bank, the bank lets the victim off the hook, the bank makes a claim against their insurance policy using the police report, the insurance pays out. If the police can identify and prosecute the identity thief, then they go after the person for damages. The only place this falls down is when there's some perverse concept of filial obligation to not report your parent to the police when they literally steal thousands of dollars from you.
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Jan 27, 2017 15:34
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No Butt Stuff posted:Ally bank has them at 1.05% Huh for some reason I thought they only started at like 2-5 years but wikipedia says some go down to a few months even 
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Jan 27, 2017 15:35
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Well heck. I know he's giving the government a free loan and not getting any interest - but that is a pretty good way to bypass your own BWM habits. We're got murdered on taxes last year so I've got an unholy amount being withheld in addition to 0 deductions this year. Once you get past those first few months it's remarkably easy to forget you ever had that money. Dwight Eisenhower posted:The only place this falls down is when there's some perverse concept of filial obligation to not report your parent to the police when they literally steal thousands of dollars from you. Which unfortunately happens way too often and means the debt belongs to the victim. I still agree with the system. Banks know it's hard to snitch on family, but just because it's the hard choice doesn't mean it's the wrong one. Someone who commits identity theft against their child will probably do the same against their grandchild unless stopped and the prospect of being stuck with a fraudulent debt is the best motivator around.
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Jan 27, 2017 15:53
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Dustoph posted:But then again, 95% of their profit comes from concessions. Probably a lot more than that in that theater's case, because it's not like the distribution company would give them a break on the reel fees because their ticket sales were low. God drat
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Jan 27, 2017 16:15
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ate all the Oreos posted:Is there some kind of savings account that would do that, specifically not let him access the money until a year later (since that's what I assume his big deal here is)? I know CD's sort of work that way but do they even make 1-year CD's? Nothing is stopping you from cashing out the CD early though.
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Jan 27, 2017 16:43
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quote:[OH] My friend contested his college debts on his credit report
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Jan 27, 2017 17:01
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ate all the Oreos posted:Is there some kind of savings account that would do that, specifically not let him access the money until a year later (since that's what I assume his big deal here is)? I know CD's sort of work that way but do they even make 1-year CD's? I think some banks still have Christmas Club accounts.
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Jan 27, 2017 17:01
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therobit posted:Realistically, this would probably make it worse as less regulated, uninsured entities rushed into the market. Ahh, but the perfect invisible hand of the free market will protect us, it's not like TotallyNotStealing01 will skim off their Ponzi scheme as long as possible before folding, and then TotallyNotStealing02 shows up with the same people involved.
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Jan 27, 2017 17:10
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No Butt Stuff posted:Ally bank has them at 1.05%
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Jan 27, 2017 17:14
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Leon Trotsky 2012 posted:Bob: No, you're legally allowed to contest charges. I just had to fill out some paperwork and now they're all gone! It was actually really simple. They're not charges and he's not insinuating fraud by contesting anything on his credit report. The tradelines have been temporarily removed while they furnish documentation of the debt to the credit agencies. It means everyone involved is doing their jobs promptly in this case, which is kind of surprising but not insane because these are likely his only debts and they sound fresh out of college. Bob is in for a rude awakening in 30 to 45 days when they are validated, assuming they're current, and his reddit posting friend is dumb as hell.
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Jan 27, 2017 17:34
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https://www.reddit.com/r/personalfinance/comments/5qevmq/39_120k_debt_80k_job_drowning_and_dont_know_what/quote:So yeah.... Pretty much textbook living way above his means. $5200 incoming, $6400 debt service/bills with no mention of food/clothing/household expenses. But hey, at least his yard looks nice.
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Jan 27, 2017 22:08
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Barry posted:https://www.reddit.com/r/personalfinance/comments/5qevmq/39_120k_debt_80k_job_drowning_and_dont_know_what/ Choice quote from the thread after OP said he grew up dirt poor and wanted something better "for his kids": quote:There's a lot of room between dirt poor and having landscapers because your yard is so big. EDIT: also quote:You know, I used to be jealous of big houses then I realized you can only poo poo in 1 toilet at a time. monster on a stick fucked around with this message at 22:18 on Jan 27, 2017 |
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Jan 27, 2017 22:13
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He needs to downsize and apply some of that sweet windfall to the debt, but after closing costs he won't net enough from the sale to completely eradicate it. He's 39 and worse than worthless. drat. All because he didn't want to eat rice and beans I guess. The funny thing is he IS dirt poor. Nail Rat fucked around with this message at 22:19 on Jan 27, 2017 |
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Jan 27, 2017 22:16
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What the hell are his 3 unsecured loans for? Also, his wife doesn't work, but they have 2 cars (his wife's is worth 28k) and he thinks that losing the house is better than canceling his kids' dance lessons because it would make them look poor and not be "a better life than I had."
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Jan 27, 2017 22:20
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