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No Butt Stuff posted:I went back and re-read the post and I don't understand who, if anyone, co-signed loans. quote:My parents divorced when I was in high school. Their divorce agreement states that my dad would pay 60% of my college education and my mom would pay 40%. When I finished college, my dad said he would only pay for the loans he co-signed for (50%). From the very top line of the story, bolded for emphasis.
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Jun 12, 2017 21:50
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Right but all her language suggests that's not the case. Must be nice to have your parents pay for any of your school.
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Jun 12, 2017 21:55
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That $800 gaming PC person is adorable. Going to community college, just wants to play Overwatch with their little sister, and apparently is being raised by their grandma. That's a GoFundMe I'd toss $10 into. Materant posted:From the very top line of the story, bolded for emphasis. So she went to court because he was only willing to pay 50% instead of 60%? Granted, he wasn't paying the 50% very well, but she literally took her father to court over the prospect of paying 10% of her education.
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Jun 12, 2017 22:12
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Krispy Kareem posted:That $800 gaming PC person is adorable. Going to community college, just wants to play Overwatch with their little sister, and apparently is being raised by their grandma. That's a GoFundMe I'd toss $10 into.  It's hard to really be mad at that guy. He's 18, 18-year-olds buy dumb toys with the money from their first jobs. I bought a gameboy with mine and let me tell you, it made me a lot happier than whatever the interest on that hundred bucks would be now.
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Jun 12, 2017 22:15
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The gaming pc girl is making childish financial decisions because she is a child still. Sad she feels obligated to buy stuff for her sister or to gice loans to her friends, but she will learn her lesson over time and it sounds like these are pretty cheap mistakes to be making now vs later with a few zeroes attached.
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Jun 12, 2017 22:20
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No Butt Stuff posted:Right but all her language suggests that's not the case. This is what I meant by "more to the story". Says divorce agreement stated dad pays 60% Mom pays 40%. % of what not mentioned, but apparently a court of law ruled whatever it is to be unenforceable. In other words, imaginary. Also says dad agreed to pay only what he co-signed for, then later wound down when he hit financial trouble, then stopped. This is surely leaving a lot of relevant details out but generally speaking could be true and if so the real source of her problem. Loan companies go after whoever on the loan is best able to pay. Guy who declared bankruptcy and also has cancer is gonna be lower on the list than entitled girl who borrowed $130k to get a poo poo liberal arts degree so she could teach and looks at cars with $500/month payments. They are going to give her a really hard time if payments aren't made, though dad isn't off the hook either technically since bankruptcy isn't get out of jail free for student loans. hosed up situation maybe (assuming it's all true), but at what point do you A) Stop whining on Reddit and B) take responsibility for your own loving life, realize not everything is "fair" and get on with it while forgiving your cancer-stricken father?
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Jun 12, 2017 22:30
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Ixian posted:And in the case of college costs it would need to be spelled out in even greater detail because in the USA most child support obligations stop hard at age 18 without special provisions. Yea, child support obligations past the age of ~18 as well as whether paying for college costs being specified in a divorce decree vary state by state. I'm most familiar with Pennsylvania where there is no duty to extend child support beyond the age of 18 regardless of college unless there is otherwise an agreement, but where agreements in a divorce decree are enforceable. Going by http://www.ncsl.org/research/human-services/termination-of-support-college-support.aspx it appears most states do not have any provisions for child support past the age of 18 (19 in a few states) unless otherwise agreed to previously.
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Jun 12, 2017 22:47
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You could be like my wife's stepsister, who had her father cosign on all her student loans to culinary school (which literally cost more than I spent getting a bachelor's degree and MBA paying in-state tuition). FAMILY DRAMA TIME After paying nothing on them for years while he has to make minimum payments on it to preserve his credit and assets, she decides to get married. Her dad offers a deal, I can continue to pay for your loans, or I can give you a big gift to help pay for your wedding (like $10k or something). She asks him to pay for the wedding, and she'll pick up the loans after she's married. It was a fabulously expensive and extravagant wedding in New York City. 3 weeks after the wedding, she calls and says that she can't pull the money together to pay for the loans this month, and would he please continue to pay on her student loans. That was 4 years ago, and she still hasn't paid anything on her loans 
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Jun 12, 2017 22:55
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do never cosign
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Jun 12, 2017 23:06
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Tiny Brontosaurus posted:
Back in the day in my first job, I once spent most of a paycheck on a box of Magic The Gathering cards. Whole box of 5th edition was something like 50-60 bucks at the time. Got such poo poo cards out of it I think I stopped playing soon after.
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Jun 12, 2017 23:07
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canyoneer posted:You could be like my wife's stepsister, who had her father cosign on all her student loans to culinary school (which literally cost more than I spent getting a bachelor's degree and MBA paying in-state tuition). Culinary school sounds nice and vocational but 99% of the time it's a massive waste of time and money. It's the rare kind of degree that can actually make you less employable in your chosen field, since kitchen managers see that on your resume (and usually a multi-year gap in work history to go along with it) and know you're likely to be very precious and slow and have lots of fussy habits they'll have to train out of you. It's kind of like how you should never go to Full Sail or "Draw This Pirate" type art schools if you actually want to be employed in a creative field. CitizenKain posted:Back in the day in my first job, I once spent most of a paycheck on a box of Magic The Gathering cards. Whole box of 5th edition was something like 50-60 bucks at the time. Got such poo poo cards out of it I think I stopped playing soon after.
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Jun 12, 2017 23:12
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I hear it's the same for newly hired bar staff who ask the seasoned employees "what bar school/program did you attend?"
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Jun 12, 2017 23:16
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CitizenKain posted:Back in the day in my first job, I once spent most of a paycheck on a box of Magic The Gathering cards. Whole box of 5th edition was something like 50-60 bucks at the time. Got such poo poo cards out of it I think I stopped playing soon after. My dude have you heard of r/mtgfinance? https://www.reddit.com/r/mtgfinance/ From the same community that brought you the largest bitcoin exchange (MtGox), comes the next wave of speculators with a binder, a backpack, and a dream. https://www.reddit.com/r/mtgfinance/comments/5vipna/when_your_specs_dont_pan_out/ That guy bought 60 of those cards at 50 cents each. They're currently trading for less than 10 cents each 
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Jun 12, 2017 23:21
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Steampunk Hitler posted:Yea, child support obligations past the age of ~18 as well as whether paying for college costs being specified in a divorce decree vary state by state. I'm most familiar with Pennsylvania where there is no duty to extend child support beyond the age of 18 regardless of college unless there is otherwise an agreement, but where agreements in a divorce decree are enforceable. Going by http://www.ncsl.org/research/human-services/termination-of-support-college-support.aspx it appears most states do not have any provisions for child support past the age of 18 (19 in a few states) unless otherwise agreed to previously. Since she states the judge says it was "unenforceable" - absent other details I'd assume that means it was either a handshake agreement, drunken late night phone call, or some other hilariously awful thing that is all too common in lovely divorce proceedings.
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Jun 12, 2017 23:24
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Ixian posted:Since she states the judge says it was "unenforceable" - absent other details I'd assume that means it was either a handshake agreement, drunken late night phone call, or some other hilariously awful thing that is all too common in lovely divorce proceedings. Maybe the daughter made the "he has cancer, he'll be dead soon and therefore doesn't need the money" argument.
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Jun 12, 2017 23:39
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Bad with money: buying pricy vitamins that probably don't do anything more than bargain grade vitamins Good with money, but bad with the law: The person who shoplifted the vitamins, then filled them with pasta, and returned them for cash. quote:According to Toronto’s 680 News, Anna Bauer-Ross picked up the Green+ capsules from a local Toronto Shoppers Drug Mart. When her daughter opened the sealed container at home, they discovered the uncooked pasta and “thought it was a joke,” as she told the site. When Bauer-Ross returned to the store, she agreed to an exchange, provided she could open the new bottle in-store. Again, all she found was pasta. A store manager tried two more bottles and came across the same thing. “It’s strange, very strange,” Bauer-Ross, who eventually just accepted a refund, was quoted as saying. “Something you don’t think is going to happen under a sealed bottle from a reputable chain of stores.” http://www.foodandwine.com/news/woman-buys-vitamin-bottles-filled-nothing-pasta
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Jun 13, 2017 00:23
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The nutritional content in pasta is not very high but still probably higher than the fake pills GNC or whoever is selling, all that garbage is a scam.
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Jun 13, 2017 01:01
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My favorite thing about $8,500 dog/horse guy is that 1) no one who actually knows anything about livestock keeps show bred Tibetan Mastiffs as livestock guardian dogs, they're worthless for the purpose and 2) working bred dogs of the breeds people actually use can be acquired for under 500 bucks pretty much anywhere in the US. I priced my last litter at $250 and they're all in functional working homes, not letting coyotes eat horses.
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Jun 13, 2017 02:37
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Pryor on Fire posted:The nutritional content in pasta is not very high but still probably higher than the fake pills GNC or whoever is selling, all that garbage is a scam. The worst case scenario is paying for something useless or actively harmful, because it turns out nutritional supplements aren't regulated very well. Whoops!
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Jun 13, 2017 02:51
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I don't know if this has been posted in the history of the two threads but I saw this at the Albany Airport. I mean seriously a horse in the signature. This can only go well.
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Jun 13, 2017 03:59
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What's on the other side of that casino poster, a Lululemon contact?
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Jun 13, 2017 04:14
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spwrozek posted:I don't know if this has been posted in the history of the two threads but I saw this at the Albany Airport. Fortune flavors the bold
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Jun 13, 2017 04:45
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spwrozek posted:I don't know if this has been posted in the history of the two threads but I saw this at the Albany Airport. Her name is Aubrey but the website is Geraldine.com?
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Jun 13, 2017 07:11
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Why doesn't fiction PhD guy write the new great American novel-- a story about a guy buried in student loans that he can't possibly get out from under so he tries a bunch of ill-fated gimmicks and eventually either gets randomly lucky and accidentally falls into cash or he dies in an illegal crawlspace apartment in poverty.
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Jun 13, 2017 09:54
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spwrozek posted:I don't know if this has been posted in the history of the two threads but I saw this at the Albany Airport. You know she's good because of the extra exclamation marks.
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Jun 13, 2017 10:57
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Blinkman987 posted:Why doesn't fiction PhD guy write the new great American novel-- a story about a guy buried in student loans that he can't possibly get out from under so he tries a bunch of ill-fated gimmicks and eventually either gets randomly lucky and accidentally falls into cash or he dies in an illegal crawlspace apartment in poverty. For this to work, both have to happen in the same book.
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Jun 13, 2017 12:34
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KingSlime posted:He needs to aim his writing skills into the abyss that is the private sector, I think that's honestly his only chance at having a comfortable life as he seems like he actually Gets poo poo Done within the parameters of his literary pursuits and produces content that people like If you pay for a creative writing degree, you're probably bad with money. My MFA was free and I wouldn't have gotten it otherwise. I don't use it in my day job, though, because I decided I would rather not be poor. Fiction guy could also move to Memphis. $50 a month is not too great on $200,000 though. quote:Starting July 1, full-time employees of the city of Memphis will be eligible to receive $50 a month for their loans. http://money.cnn.com/2017/06/08/pf/college/memphis-student-loan-repayment/index.html?iid=SF_River
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Jun 13, 2017 12:39
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CitizenKain posted:Back in the day in my first job, I once spent most of a paycheck on a box of Magic The Gathering cards. My friend did the same thing, only instead of one paycheck he did it for every paycheck. At 3am he would be constantly checking is bank account to see when his paycheck was deposited so he could buy more cards. The only reason why he stopped is because he doesn't have a job anymore.
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Jun 13, 2017 12:45
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Hargrimm posted:Her name is Aubrey but the website is Geraldine.com? She also uses an @aol.com email address: 
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Jun 13, 2017 13:29
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Who is ready for a terrible wedding BWM story where the groom is the one driven mad about his "special day" and the bride is trying to reign him in?quote:Fiancé [29M] is kind of becoming a groomzilla. Our steadily inflating budget is now around 130k with no signs of stopping. https://www.reddit.com/r/relationships/comments/6gzfcu/fianc%C3%A9_29m_is_kind_of_becoming_a_groomzilla_our/
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Jun 13, 2017 13:58
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Leon Trotsky 2012 posted:
We already have , but I really wish we had an :eject: smiley.I mean, I get that he wants exactly what he expected, but of all the hills to die on...
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Jun 13, 2017 14:08
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Jesus. I don't care how high your salary is, 130k+ for a single day is loving ridiculous. Christ, that kind of money would buy an incredible two-three week honeymoon all over the world and even *that* would be BWM.
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Jun 13, 2017 14:10
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Guillotine for the lot of them.
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Jun 13, 2017 14:12
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I don't even have a concept for what an $100,000 wedding would look like, that is such an insane amount of money for people with jobs to spend on it. If you were royalty or just so amazingly fuckoff rich you had to have $100,000 to stir from your perpetual hedonistic torpor I'd guess it made sense. He had better be arriving in a carriage drawn by giraffes or something.
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Jun 13, 2017 14:15
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Oh no here comes "I spent this much on my wedding, idiots  " time.(my ex-wife has a cousin whose wedding featured $250,000 in flowers. the bride's dad was loving loaded. the flower displays were ostentatious and ugly) BWM: being 10k upside down on a Civic on a minimum wage job. https://www.reddit.com/r/personalfinance/comments/6gyr5y/car_loan_overwhelmed/ posted:Hello /r/personalfinance, longtime lurker, first time poster. I need advice whether or not my situation would be better off seeking the aide of a Fiduciary or a Banker in the sense of getting my car loan conditions renegotiated or if I have to refinance it.
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Jun 13, 2017 14:18
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"bad luck"
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Jun 13, 2017 14:27
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Ashcans posted:I don't even have a concept for what an $100,000 wedding would look like, that is such an insane amount of money for people with jobs to spend on it. If you were royalty or just so amazingly fuckoff rich you had to have $100,000 to stir from your perpetual hedonistic torpor I'd guess it made sense. He had better be arriving in a carriage drawn by giraffes or something. Spending between 500k-1M gets you Taylor Swift's horse in your wedding.
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Jun 13, 2017 14:31
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How do you end up that badly underwater on an economy car?
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Jun 13, 2017 14:32
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You can basically get the same thing if you pay $50k or $1M. It's like the lady that spent $8500 for a dog that could be otherwise purchased for $500. The only difference is the margins that people are pocketing.
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Jun 13, 2017 14:39
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Debt collectors: GWM, BWL I just saw that the US Supreme Court has ruled that the Fair Debt Collection Practices Act doesn't apply to companies that buy debts. The Act prevents debt collectors from doing things which would be considered abusive, deceptive or unfair. The companies that buy debt for pennies on the dollar will not be bound by this Act, so they are free to be as scummy and abusive as they like. https://www.nytimes.com/reuters/2017/06/12/business/12reuters-usa-court-debt.html?_r=0 http://www.washingtonexaminer.com/neil-gorsuch-writes-first-opinion-as-supreme-court-justice/article/2625661
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Jun 13, 2017 14:47
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