KingSlime posted:

I know a nurse who constantly shares the THEY DON"T WANT YOU TO KNOW ABOUT THE CURE FOR CANCER meme

What I'm saying is I have no idea what standards are in place for nurses but they sure seem to pale in comparison to any other medical professional

ranbo das posted:

he removed all the vowels from his name on Facebook because that will protect him.

Krispy Kareem posted:

These security clearance summaries should be narrated by Robert Stack with terrible 2nd rate actors pantomiming what's going on.

quote:

Applicant is a thirty-six year old male employed by a defense contractor, and he is seeking to retain a SECRET security clearance initially granted to him in June 1985.

In July 1990, Applicant purchased a residence for $97,000.00,(1) and financed it with a Department of Veteran's Affairs (VA) mortgage which required monthly payments of approximately $1,000.00.(2) During the early 1990's, Applicant began living beyond his means.(3) He frequently dined out and spent his salary primarily on his motorcycle and anything but his mortgage.(4) As a result, after paying his mortgage routinely for about one year, Applicant began falling behind in making those mortgage payments. Eventually, Applicant simply stopped making payments, and ignored telephone calls and written notices regarding his overdue mortgage. At one point, before the situation got out of hand, he inquired about making a partial payment, but was advised that only full payment would be acceptable.(5) The residence was eventually seized, and the mortgage was foreclosed in about December 1992.(6) The entire foreclosure process left a deficiency balance of approximately $36,094.02(7) for which Applicant remained responsible.

Within a few months of the foreclosure, Applicant sought legal advice to review his options. He met with an attorney for 10 minutes.(8) Thereafter, and continuing until 1997, Applicant made no effort to resolve the outstanding financial obligation. He never called the VA or the original mortgage holder or anyone else to set up a payment plan, and never offered any payments.(9) Applicant was interviewed on two occasions in 1997 (April and September) by an agent with the Defense Security Service, then known as the Defense Investigative Service. Sometime after the second interview, in September 1997, Applicant contacted the VA and found out that partial payments would be acceptable.(10) Nevertheless, he chose to take no further action in that regard.

On January 29, 1998--nearly three weeks after receiving the SOR, and one week after responding to it, Applicant filed for bankruptcy under Chapter 7, claiming an inability to pay existing debts, and seeking a discharge from them.(11) The only liability listed in the bankruptcy filing was that of the indebtedness pertaining to the foreclosure.(12) Applicant had no creditors holding secured claims or unsecured priority claims. He claimed assets of slightly over $19,000.00, including a motorcycle worth $10,000.00, and stock worth about $5,668.00.(13) No final action had yet been taken with regard to the bankruptcy petition, as of the closing of the record. Since the bankruptcy filing, Applicant sold the motorcycle.(14)

Applicant's annual salary in calendar year 1997, including base salary and a daily cost of living adjustment, was about $60,000.00.(15) He was promoted earlier this year and received a monthly salary increase of about $370.00,(16) which increased his annual salary to $64,440.00. Applicant currently resides with his fiancee, supports her, and pays her monthly mortgage payment of $1,000.00.(17) He is current in all other accounts.

quote:

I had ample opportunity to evaluate the demeanor of Applicant, observe his manner and deportment, appraise the way in which he responded to questions, assess his candor or evasiveness, read his statements, listen to his testimony, and watch the interplay between himself and those around him. Upon consideration of all of these contributing elements, I have come away with the feeling that Applicant is committed to the avoidance, at any cost, of paying off this deficit balance. He has managed to smoothly handle his other financial affairs, as well as to undertake responsibility for those of his fiancee. In a way, nothing has changed, for Applicant is still actively spending his money on everything but his mortgage.

For the reasons stated, I conclude Applicant is not suitable for access to classified information.

Haifisch posted:

Poldarn posted:

A Facebook acquaintance of mine announced he is retiring at the age of 38 after following the book Your Money or Your Life , and is telling everything to get the book, you can totally retire early too!. Now I assume this isn't some magic bullet to easy retirement They Don't Want You To Know, but does anyone know anything else about this book so I don't have to buy it to read it?

Poldarn posted:

A Facebook acquaintance of mine announced he is retiring at the age of 38 after following the book Your Money or Your Life , and is telling everything to get the book, you can totally retire early too!. Now I assume this isn't some magic bullet to easy retirement They Don't Want You To Know, but does anyone know anything else about this book so I don't have to buy it to read it?

AreWeDrunkYet posted:

Standard early retirement fare - get good-paying work young, save every penny possible, and you have a solid shot of being able to live off the savings by ~40. Some of the information is a bit dated at this point.

Poldarn posted:

A Facebook acquaintance of mine announced he is retiring at the age of 38 after following the book Your Money or Your Life , and is telling everything to get the book, you can totally retire early too!. Now I assume this isn't some magic bullet to easy retirement They Don't Want You To Know, but does anyone know anything else about this book so I don't have to buy it to read it?

monster on a stick posted:

There is a whole "science" to retiring early but you really have to do the math and a lot of people are winging it.

pig slut lisa posted:

Good question for the Long-Term Investing and Retirement Savings thread and/or the Financial Independence thread.

pig slut lisa posted:

This is a great discussion to have and all the posts have been helpful, but Cold on a Cob is right that it's best suited for another thread. Here are some suggestions:


Poldarn I'm glad you're thinking about this stuff

Ixian posted:

I have this conversation with some friends (and posters in this forum) occasionally...usually after they find a book like this or they just read Rich Dad or whatever for the first time. If "early retirement" means "I want to gently caress off and play video games, or raise ferrets or <x> thing for the rest of my life" I roll my eyes. If what they really mean is achieving financial independence so you are not beholden to a W2 job at a company that really doesn't give a gently caress about you despite monthly "we're all a TEAM" emails from HR to the contrary, that is a noble enough goal, but think it through. Doesn't mean you wouldn't work for said company, just that you wouldn't spiral out in to homelessness if bad times come your way.

Usually it is the former. Which is usually a fantasy to distract from the day to day, is all.

curufinor posted:

firecalc is mc method
i always wondered if there's a great parametric dealio for this poo poo
poo poo online I've seen is a lotta linear regressions and somehow-less-sophisticated-things

Subjunctive posted:

There was an experiment where we did vowel-independent searches on names until someone pointed out that it would catch people like this who didn't want to be found.

curufinor posted:

monte carlo method. it's like human centipede, for your data.

hailthefish posted:

The Human Centipede is a horror movie where a crazy doctor sews three people together, mouth to rear end, for some reason.

curufinor posted:

monte carlo method. it's like human centipede, for your data. and less poo poo. but nonparametrics req lots of data and the prediction is worse sometimes, if you have a coherent theory of the phenomenon that you can stuff into a parametric statistical model

e: ok, bootstrap is deffo more "human centipede for your data", but you get what i'm talking about

if you have background in this poo poo i guess

BEHOLD: MY CAPE posted:

Bad With Money: it's like human centipede, for your data. and less poo poo.

quote:

56 years old, Applicant works for a Defense contractor, having previously served in the military from 1983 until 1992. He is divorced with three children. Applicant failed to file his Federal income tax returns from 2006 through 2013. He disclosed these failures in his 2008 and 2014 security clearance applications (SCA) and discussed them in his interviews. Applicant attributed his delinquent filings to laziness and because “I do have a problem filing tax returns[.]” Decision at 2, quoting Tr. at 35. He did not worry about this matter, because he was entitled to refunds. Applicant hired a tax professional to prepare his returns, and he filed them in 2016. He did so after the SOR placed him on notice that his clearance was in jeopardy. The IRS filed Applicant’s returns for 2006 through 2008. He overpaid his taxes for all years in question, except 2010, when he owed a little over $300. Applicant stated that he would file his returns in the future.

The Judge stated that Applicant failed to present evidence of circumstances beyond his control that impaired his ability to file his tax returns. To the contrary, he attributed his failure to laziness and his preference for the IRS to file for him. Although Applicant has now filed his delinquent tax returns, the Judge found little reason to conclude that Applicant would comply with the law in the future. He stated that there are no clear indications that Applicant’s problems are behind him. Though noting Applicant’s military service and work for a Federal contractor, the Judge concluded that Applicant had not established a track record of financial responsibility.

Enfys posted:

This guy wasn't extravagently in debt or anything, but his self-admitted laziness about filing tax returns has cost him his job:

http://ogc.osd.mil/doha/industrial/2017/14-06105.a1.pdf

ate all the Oreos posted:

A guy whose entire adult life has been funded directly by taxes not doing his taxes, great. This is making me much more angry than I expected.

ate all the Oreos posted:

A guy whose entire adult life has been funded directly by taxes not doing his taxes, great. This is making me much more angry than I expected.

quote:

Findings of Fact

Applicant is a 54-year-old employee of a defense contractor. He served in the U.S. Air Force from 1976 to 1996 and retired in the grade of E-6. He was awarded a bachelor’s degree in 1994. He is not currently married. He has been divorced three times and has four children, ages 26, 23, and twins 21. He has held a security clearance while in the military and while working for defense contractors.

In the SOR, the sole Guideline E allegation asserted that, in February 2008, Applicant was terminated from a job for theft and misappropriation of approximately $14,000.00 of golf event proceeds that were entrusted to him as Treasurer of the [Company X] Employees Golf Association. The Guideline E allegation was cross-alleged in a Guideline F allegation. In his Answer, Applicant admitted the Guideline E allegation, but denied the Guideline F allegation. His admission to the Guideline E allegation is incorporated herein as a finding of fact.

Applicant’s Testimony
In 1997, Applicant started working for a company that eventually merged with Company X. After the merger, he worked for Company X. In 2005, he was asked to serve as the Treasurer of the [Company X] Employees Golf Association. The golf association maintained a checking account at a bank. As treasurer of the golf association, Applicant could write checks on that account as well as make deposits and withdrawals. He would write checks on the account to pay for the golf association’s operating expenses and for prizes awarded at golf tournaments.

When Applicant became treasurer, there was approximately $5,000 in the golf association’s bank account. At that time, he was informed that the bank account had a $10,000 cap. He believed that, if the amount of money in the account exceeded $10,000, the bank would impose charges or fees. He never discussed how the cap worked with the bank.

As time passed, the amount of money in the golf association’s bank account grew. He testified that, in about 2006, he informed the president of the golf association that he was placing some of the association’s funds in his personal account to avoid the $10,000 cap fees and the president gave him permission to do so. He also would temporarily place golf association funds in his safe at home pending their deposit in either his or the golf association’s bank accounts. He testified that he maintained records of the golf association funds that he retained in his account or at his home and, in doing so, tried to keep the golf association’s funds separate from his funds. During his Office of Personnel Management (OPM) interview, however, he reportedly indicated that he did not keep records to show the amount of golf association funds in his account. He also testified that he spoke to a representative of the company’s Human Resources (HR) Department about opening another bank account for the golf association. The HR representative informed him that the company would not obtain another Tax ID Number to create a new account. The HR representative recommended he open another account using his name and social security number, but he declined to open such an account.

Applicant indicated that the transferring of golf association funds into his account was a common practice that he engaged in while serving as its treasurer. He claimed that he never intended to use the golf association’s funds for his personal purposes. By depositing golf association funds in his personal account, he recognized, however, that he could have used some of the golf association’s funds for personal purposes.

In late June or early July 2007, Applicant and his second wife divorced. At that time, he went on a business trip and allowed her to reside in his house. When he returned from that trip, he learned some of the checks written on the golf association’s bank account bounced because he forgot to transfer money into the golf association’s bank account. Prior to her departure, his ex-wife took money that belonged to the golf association from his personal bank account and from the safe. He noted that his ex-wife had access to the automatic teller machine (ATM) card and personal identification number (PIN) for his personal account. He indicated that she also wrote some checks on his personal account.

Due to the bounced checks, the board of directors of the golf association examined its bank account. It was determined that approximately $12,000 was missing from the account. Applicant was given a month to repay the missing funds. He repaid $8,800 within that time period, but was unable to repay about $3,100. The board of directors of the golf association asked him to resign as treasurer. He resigned in September or October 2007. Company X was informed of the missing funds and conducted an investigation. Applicant stated that he cooperated with the investigation and made records available to the investigators.

Applicant claimed that all the money that belonged to the golf association has been repaid. He indicated that he repaid the missing $3,100 in December 2007 and January 2008, but provided no documents to prove he made those payments. He also indicated that he was never charged with any criminal offenses because he repaid the money. In his post-hearing submission, he provided a credit report that showed he was meeting his current financial obligations.

Company X’s Investigation
Company X partially funded the golf association. Because its funds were involved, Company X conducted an investigation into Applicant’s handling of the golf association’s funds. Pertinent findings of the investigation include:

a. The HR employee who was responsible for overseeing the finances of the company’s eight recreation clubs was interviewed. She reportedly told the investigator that Applicant advised her that he only moved $3,000 into his personal account, only owed $2,000, and was unable to repay the funds at that time. She also reportedly indicated that Applicant had been very defensive when board members asked to “see the books” and in some cases he refused.

b. There was only one bank fee that applied to the $10,000 cap. The bank would charge 70 cents on deposits when the account’s balance exceeded $10,000. The investigative report stated:
[Applicant] said he never contacted [the bank] to independently verify the particular limits of the account nor any caps associated with it. [Applicant] was shown [golf association bank] account records from 2003, 2004, 2005, 2006 and 2007, where an in depth month to month audit was conducted with him with the help of investigators. The bank records indicated there were numerous instances over these years where the [golf association’s] account had exceeded a $10,000.00 balance. [Applicant] was unable to offer an explanation as to why during these times when the account was over the proposed limit the bank records indicated no obvious incurred fees or penalties which he had suggested were in place. In addition to there being no fees associated to the times the account exceeded the limit, there was also no record that any funds were withdrawn from the account by any employee including [Applicant] to reduce the balance to under the $10,000.00 mark during the previous years. In fact there were numerous times prior to 2007 that the account remained above $10,000.00 dollars. [Applicant] stated during his interview that during his time as Treasurer he balanced the [golf association’s] account on a monthly basis when he received the bank statements, and also prepared the required year end audit reports to [Company X]; but admittedly said he never once subtracted any fees or penalties associated with the account as it pertained to the claimed $10,000.00 dollar cap. Investigators found the statement to be odd that during the previous years of account reconciliation and year end audits that the Club Treasurer [Applicant], who prepared these reports, never deducted fees or had to account for line item audits associated with cap limit fees. When asked this direct question [Applicant] could offer no explanation. [Applicant] also offered no explanation as to why only the 2007 year budget was the only year money was needed to be withdrawn to maintain the integrity of the cap as he explained it.

c. Applicant provided his personal bank account records to the investigator. In February 2007, the beginning balance of Applicant’s personal bank account was a negative amount, i.e., -$37.34. On February 13 and 20, 2007, he transferred a total of $7,000 of the golf association’s funds into his personal account. For the three weeks following those deposits, he wrote several checks for personal purposes that reduced his account’s balance to $20.96. During that period, Applicant made no personal deposits to his account and none of the expended funds were used for golf association purposes.

d. In 2007, Applicant also transferred golf association funds into his personal account in February ($7,000), March ($300), April ($275), May ($300), June ($2,100), and July ($2,000). The June 2007 transfers apparently included Applicant cashing a counter check for $1,800 from the golf association’s account and depositing that money into a separate joint bank account that he maintained with his ex-wife. During 2007, the transfers from the golf association’s account into his personal accounts totaled $11,975. While he did provide investigators records from his personal account, records from the joint account were not made available to investigators.

e. By the time the investigation was completed, Applicant made seven repayments of golf association funds in 2007. These repayments included three in August ($1,700, $300, and $2,000), two in September ($2,500 and $1,500), and two in October ($400 and $400). These repayments totaled $8,800, leaving a balance owed of $3,175. The repayments were made after the golf association account received “insufficient fund” notifications and the board of directors inquiries.

f. During the investigation, Applicant provided a written statement. It stated in part:

. . . I never received nor did I ask for direction from other board members as to how to deal with the account once it reached the $10,000.00 dollar mark.

During 2007, I began to have financial difficulties due to a strained marriage that ultimately ended in June 2007. During this time I used money that was taken from the [golf association’s] account to help me through the financial difficulties with the intentions of paying the money back. I have thoroughly reviewed the records with Investigator [D]. On Feb 13th I deposited $5,000 dollars from the [golf association’s] account and then another $2,000 dollars on February 20, 2007 to my above listed personal . . . bank account. I used the money ($7,000) to pay personal bills to include: [specific companies] and other retail purchases. I distinctly remember during this month of one payment I made on Feb 27, 2007 from this account using [golf association] money to [his personal bank/credit card company] in the amount of $4,700 dollars. Throughout 2007, I made withdrawals from the [golf association] account and placed them in my [bank] account. On June 29, 2007, after my divorce, I wrote a counter check from the [golf association’s] account at [the bank’s location] for $1,800 dollars, which I deposited into the joint [bank] account that I have. This again was done not to steal money, but to help during a financial crisis with the intention of paying the money back to the account.

g. During the investigation, the president, former president, and another officer of the golf association were interviewed. Nothing was uncovered during those interviews that lead investigators to believe those officers knew or concurred in Applicant’s transfer of golf association funds into his personal accounts. The investigation noted, “This was substantiated during [Applicant’s] interview by him stating that none of the club officers (former or current) knew that he was transferring money from the [golf association’s] account to his personal account.”

h. On February 11, 2008, Applicant was discharged from Company X. The personnel action documenting his termination indicated, “Theft at [Company X] will not be tolerated and as a result your employment is being terminated.” At the time of his termination, Company X records reflected that he still owed $3,175.

monster on a stick posted:

http://ogc.osd.mil/doha/industrial/11-00110.h1.pdf

Get something to drink, this is going to be a long one.