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This is incredible
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Feb 25, 2017 20:10
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The rare case where paying $85/mo for your phone looks goddamn reasonable. 
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Feb 25, 2017 20:24
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lmao how is it possible to be that dumb
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Feb 25, 2017 20:26
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pig slut lisa posted:This is incredible This is much smaller levels of BWM, but the CFO at one of my old jobs still paid for AOL service because he had been using an AOL email address with his name in it for 15 years and didn't want to change. He could not use outlook and I had to set him up with an email account that had our organization's domain name and forward all emails to his AOL account. Even when I went above and beyond my duties and let him know that you don't need to pay to have an AOL address anymore, he still insisted on paying for it because he had "things working the way I like it and I don't want to mess anything up. All my business, personal, and social things are on there and $20 a month is not much to make sure it all keeps working."
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Feb 25, 2017 20:28
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Noctone posted:lmao how is it possible to be that dumb Either he's faking it or he's [Is $500 a lot?]-levels rich
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Feb 25, 2017 20:31
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Leon Trotsky 2012 posted:This is much smaller levels of BWM, but the CFO at one of my old jobs still paid for AOL service because he had been using an AOL email address with his name in it for 15 years and didn't want to change. He could not use outlook and I had to set him up with an email account that had our organization's domain name and forward all emails to his AOL account. I don't think this is dumb per se. If the business ain't broke don't fix it.
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Feb 25, 2017 20:37
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Accretionist posted:Either he's faking it or he's [Is $500 a lot?]-levels rich I remember thinking I was getting ripped off for 70 dollars with Sprint and a smart phone like 4 years ago. Cricket for life.
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Feb 25, 2017 20:50
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Mantle posted:I don't think this is dumb per se. If the business ain't broke don't fix it. He didn't need dial-up to keep the AOL address though.
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Feb 25, 2017 21:29
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Leon Trotsky 2012 posted:He didn't need dial-up to keep the AOL address though. No, but he needed to risk something breaking by changing the system that is out of his control. Who knows what AOL's system would do when you cancel? If it would behave as instructed?
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Feb 25, 2017 22:13
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Yeah. That's extreme but I have zero trouble understanding AOL guy. companies just up and rearrange your poo poo on the daily now because whatever UI guy or product lead had to look busy. it's annoying as hell just randomly having bits of your life hosed with on someone else's schedule. if I were a bit older and a bit more obstinate I could easily be that guy
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Feb 25, 2017 23:08
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Ask yourself whether you think a C level executive gives a gently caress about $240 a year versus preserving the way he's comfortable working, whether or not he can trust the IT guy "it will be just the same."
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Feb 25, 2017 23:17
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EAT FASTER!!!!!! posted:That's like $5,000 in overpaid phone service. He said years. It's way past $5000.
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Feb 25, 2017 23:17
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EAT FASTER!!!!!! posted:Ask yourself whether you think a C level executive gives a gently caress about $240 a year versus preserving the way he's comfortable working, whether or not he can trust the IT guy "it will be just the same." If he had to actively pay it in one go he might, but at $20/mo passively billed there's no way.
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Feb 25, 2017 23:31
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Oh, reddit.https://www.reddit.com/r/personalfinance/comments/5w0328/i_havent_filed_taxes_since_2014_and_ive_been/ posted:I haven't filed taxes since 2014 and I've been claiming exempt on my paychecks for 2 and a half years. I make 50K salary. I'm filing all 3 of my W-2s now. Anyone have any guess as to how much trouble I'm in?
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Feb 26, 2017 01:56
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quote:Like the title says. I put off doing this last year because of how terrified I was to owe tens of thousands to the government
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Feb 26, 2017 02:02
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Motronic posted:Oh, reddit. I discovered a month ago that Canada is expecting me to file 2012-2015, which I hadn't myself expected, but I wasn't a resident so it should turn out OK. That guy is hosed badly.
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Feb 26, 2017 02:11
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EAT FASTER!!!!!! posted:That's like $5,000 in overpaid phone service. I've worked in phones for 7 years, with time at Sprint, ATT and Big Red. You have no idea how poorly people pay attention to and understand their phone bills. I've had people with $50 international features that never got removed on for years because they just don't read their bills. So many people are fine with whatever as long as it is monthly and not a today expense. Absolutely phone companies are notorious for not helping the matter. But if you go 5-6 months without reading your bill and even trying to understand it, at that point I just got nothing. I'm perfectly ok with it, because people not taking the time to understand keeps me employed (hence they come in, ask, buy, etc). It still sad.
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Feb 26, 2017 02:39
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From the It Came From Reddit file"https://www.reddit.com/r/StudentLoans/comments/5w5q03/fraudulent_lending_practices_by_b_of_a_for/ posted:Long story shortened (because not sure if it belongs here and r/legal advice) is that I took out numerous private student loans (~$3-8k) over the course of 2 years which were "cosigned" by the mother, however, she didn't know anything of them until I joined the Navy and I couldn't defer any longer. OP fraudulently forges mother's signature to consign on private loans, blames banks for not trying hard enough to stop him. sparkmaster fucked around with this message at 03:25 on Feb 26, 2017 |
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Feb 26, 2017 03:22
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r/{finance something} + r/legaladvice crossovers are pretty much the best
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Feb 26, 2017 03:23
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sparkmaster posted:From the It Came From Reddit file That one is so good I don't really believe it. He's in the comments claiming he committed fraud "under duress" and the bank should've known but chose not to stop him so they could make a profit. Awesome.
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Feb 26, 2017 03:41
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as long as he claims clueless inept ignorance as his reason for his booboo + clearly states his intention to pay his entire tax liability, i doubt he gets hit with anything other than his tax + penalties + interest. The IRS doesn't care about anything except getting paid what they're owed, and people cant pay their back taxes from prison. I'm speaking from experience here; while I was drinking I basically didn't file poo poo '07-'13. Taking care of it was a matter of a few phone calls, filing by fax, and making goddamn sure that there's enough in my checking to cover the couple hundred the payment plan pulls each month. of course posting "hay guyse i evaded taxes for three years am i gonna be in trouble???" on reddit is not a great start
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Feb 26, 2017 03:44
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Haifisch posted:I get the fear, but how do you delude yourself into thinking it's going to get any better if you wait? It's not like the IRS is going to forget you owe them money. you dont get the fear
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Feb 26, 2017 03:45
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OMGVBFLOL posted:you dont get the fear I'd love to hear some of your crazier financial fuckups if you don't mind. It sounds like you've been there and back again.
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Feb 26, 2017 04:35
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And out of curiosity, how badly do you have to cheat on taxes before they track you down? I ask because I've been under the impression that the IRS is so under funded these days on account of being a political football that they don't have the resources to go after anything but the big fish.
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Feb 26, 2017 04:40
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Thesaurus posted:And out of curiosity, how badly do you have to cheat on taxes before they track you down? I ask because I've been under the impression that the IRS is so under funded these days on account of being a political football that they don't have the resources to go after anything but the big fish. I got a letter/bill from the IRS in 2013 because in 2012 when filing my 2011 tax return, I omitted a W2 (it was mailed to the wrong address and I used HnR Block that year so I didn't notice it was missing). I only owed around $1800 and it was probably automated and basically said that if I didn't contest it within 30 days but also didn't pay, they might take further action up to and including garnishing my paychecks. That's not quite the same as actually cheating on your taxes, but there might be a record in their system if you have a W2 job and never file taxes (but I hear there's also some people would be owed a refund and don't file -- the IRS doesn't go after those people).
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Feb 26, 2017 05:03
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Colin Mockery posted:I got a letter/bill from the IRS in 2013 because in 2012 when filing my 2011 tax return, I omitted a W2 (it was mailed to the wrong address and I used HnR Block that year so I didn't notice it was missing). Yeah, because not filing a tax return isn't a crime, it's owing taxes and not paying them that's the problem. The IRS doesn't really care if you don't claim your refunds. Here's some BWM:  Knitting and spinning are not the cheapest hobbies if your goal is just to obtain garments and home textiles. If you're looking at dollars/hours of entertainment they're great, but people can easily spend a couple grand on a spinning wheel. That said, if you have to ask about financing one, you can't loving afford it.
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Feb 26, 2017 10:45
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https://www.reddit.com/r/personalfinance/comments/5w4x3y/im_30_and_have_1825k_in_student_loans_totaling/ Took out 182k in student loans. Makes 50k/yr Has almost $500/mo car payment Wants "more house" for their as of yet unplanned children
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Feb 26, 2017 14:43
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NancyPants posted:Yeah, because not filing a tax return isn't a crime, it's owing taxes and not paying them that's the problem. The IRS doesn't really care if you don't claim your refunds. I'd love to see a used car sale voice over played over stock images of spinning wheels.
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Feb 26, 2017 15:30
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I'm wondering what the used market looks like. Is there some guy out there posting signs saying he's bought every spinning wheel he's seen?
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Feb 26, 2017 19:56
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AA is for Quitters posted:https://www.reddit.com/r/personalfinance/comments/5w4x3y/im_30_and_have_1825k_in_student_loans_totaling/ 
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Feb 26, 2017 20:10
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AA is for Quitters posted:https://www.reddit.com/r/personalfinance/comments/5w4x3y/im_30_and_have_1825k_in_student_loans_totaling/ You missed the best part. She gave up a .25% rate reduction so she could implement her own weekly payment plan. To save money on compounding interest.
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Feb 26, 2017 20:44
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Yeah but she can see her balance going down. (Couldn't she do both?)
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Feb 26, 2017 21:00
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SlapActionJackson posted:You missed the best part. She gave up a .25% rate reduction so she could implement her own weekly payment plan. To save money on compounding interest. It's not clear, but her husband apparently makes "six figures" now, and for some reason he can't/won't help her pay?
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Feb 26, 2017 21:03
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Thesaurus posted:It's not clear, but her husband apparently makes "six figures" now, and for some reason he can't/won't help her pay? He's paying everything else. The mortgage, utilities, his car, etc. He did help her pay 5 grand off a credit card though.
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Feb 26, 2017 21:05
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Star War Sex Parrot posted:For Oceanography undergrad and Environmental Science grad school. My girlfriend has a graduate degree in environmental science (no debt, though). I joined her at an event that featured alumni talking about what they were doing with their degrees. One person really did get a pretty good salary bump from the degree. The other three people on the panel just went back to the same low-paying job they left to get the degree. Apparently the secret to success is to already be a highly-paid consultant or lawyer who specializes in the area.
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Feb 26, 2017 21:15
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lavaca posted:My girlfriend has a graduate degree in environmental science (no debt, though). I joined her at an event that featured alumni talking about what they were doing with their degrees. One person really did get a pretty good salary bump from the degree. The other three people on the panel just went back to the same low-paying job they left to get the degree. Apparently the secret to success is to already be a highly-paid consultant or lawyer who specializes in the area. I had some friends go into environmental consulting and made pretty good money for their first job out of school, around $60k plus 2 weeks vacation and holidays. Then there was a market downturn and got laid off. I started with them at my first job in operations, and we all got paid the same $31.5k with 6 vacation days, no holidays. That hit one guy really hard- not only was his ego crumbled after 4 months of unemployment and finding this job paying half his old salary, but he was also making payments on a full set of furniture (bought 2 months into the old job). It was sitting in a storage container and smelled a bit musty once he was moving in for the new job. He still had like 5 years of payments left.
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Feb 26, 2017 22:41
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AA is for Quitters posted:Wants "more house" for their as of yet unplanned children quote:I showed my husband all these comments and we talked and agreed to really cut back. We were not having kids yet, just planning on the possibility of thinking about it in a few years, so cool your jets. We’ll give it a few more years beyond that, we’re still young.
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Feb 26, 2017 22:48
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This guy is asking if his 401K provider is a scamquote:So my company uses Ubiquity Retirement + Savings for our 401ks. It charges CRAZY HIGH fees to the point where we're basically not getting any return/it's a tiny bit higher maybe than if it sat in a savings account. quote:The fees you're referring to is the expected growth. Not fees
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Feb 26, 2017 22:58
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JUST MAKING CHILI posted:I have a distant relative that is a scumbag and possibly a rapist. He allegedly sexually assaulted a female member of his cohort in his last year of medical school. So he dropped out and moved back home. His older brother bailed him out, and to repay him he was supposed to work at the older brother's business and do data entry for a few months. Well I mean he has enough student loan debt that his only viable option is suicide so you might as well steal all the booze from everywhere you could possibly steal it from
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Feb 27, 2017 00:22
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lavaca posted:My girlfriend has a graduate degree in environmental science (no debt, though). I joined her at an event that featured alumni talking about what they were doing with their degrees. One person really did get a pretty good salary bump from the degree. The other three people on the panel just went back to the same low-paying job they left to get the degree. Apparently the secret to success is to already be a highly-paid consultant or lawyer who specializes in the area. To be fair once america is made great again and the EPA shuts down and the world speeds off the global warming cliff "how do I make the environment not destroy me" will probably be a pretty in-demand job
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Feb 27, 2017 00:26
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