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canyoneer posted:Don't wanna pay this 70 cent fee per deposit, better hold thousands of the money in my own personal accounts. It's my fi-douche-iary duty What kind of bank charges a fee when you have *too much* money in an account? "Well gee, we don't want your money sitting in our bank earning us interest, let's encourage you to not do that by adding a fee for deposits if you put too much money in our bank."
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# ? Jul 7, 2017 20:05 |
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# ? Jun 5, 2024 03:24 |
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If there's preferential pricing for small businesses, I could see there being a limit to keep large ones from using those products.
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# ? Jul 7, 2017 20:06 |
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monster on a stick posted:http://ogc.osd.mil/doha/industrial/11-00110.h1.pdf holy moley that's some puuuure strain yesss
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# ? Jul 7, 2017 20:48 |
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It is common to have preferential treatment for small nonprofit and charity groups, but once they reach a certain size it is reasonable to expect them to pay the same fees as any other group nor business. Your local small church congregation would get a free account (which may actually cost the bank more to service than the revenue from the account) but a megachurch would have much higher balances and transaction volume, and can also afford to pay for thier services. Free bank accounts were rare prior to the 1990s, and when they became widespread on the consumer side they came at the expense of people who rack up overdraft fees. Free bank accounts for businesses usually come with transaction limitations that are fairly low after which you pay a fee for transactions.
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# ? Jul 7, 2017 20:49 |
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The best part is the emphasis on the "applicant did not contact bank to inquire about fees." I can't wrap my head around being so scared of "fees" without finding out exactly how bad the damage would be. Edit: therobit posted:It is common to have preferential treatment for small nonprofit and charity groups, but once they reach a certain size it is reasonable to expect them to pay the same fees as any other group nor business. Your local small church congregation would get a free account (which may actually cost the bank more to service than the revenue from the account) but a megachurch would have much higher balances and transaction volume, and can also afford to pay for thier services. Even then, there are a number of bank accounts that'll waive those fees if you keep above a certain balance.
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# ? Jul 7, 2017 20:53 |
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mojo1701a posted:The best part is the emphasis on the "applicant did not contact bank to inquire about fees." I can't wrap my head around being so scared of "fees" without finding out exactly how bad the damage would be. For consumers, yes, but for businesses it is pretty hard to get out of paying fees on any significant transaction volume. Not necessarily high fees, hut you will pay for services and businesses that are larger than a couple of people usually understand this.
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# ? Jul 7, 2017 20:59 |
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mojo1701a posted:The best part is the emphasis on the "applicant did not contact bank to inquire about fees." I can't wrap my head around being so scared of "fees" without finding out exactly how bad the damage would be. Haha yeah, worse case scenario it would be something like $20 a month. I wonder what percentage of professional downfalls involved "he then decided to co-mingle the funds." A friend's dad got disbarred for that, it seems common.
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# ? Jul 7, 2017 21:33 |
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mojo1701a posted:The best part is the emphasis on the "applicant did not contact bank to inquire about fees." I can't wrap my head around being so scared of "fees" without finding out exactly how bad the damage would be. The fees are a post hoc rationalization for having looted the golf club's bank account to get his personal checking account above water. It's the weakest reed imaginable to hold up embezzlement as something else.
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# ? Jul 7, 2017 21:35 |
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OneTruePecos posted:The fees are a post hoc rationalization for having looted the golf club's bank account to get his personal checking account above water. It's the weakest reed imaginable to hold up embezzlement as something else. I didn't steal the car, I just hotwired it and drove it home so it wouldn't get a parking ticket!
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# ? Jul 7, 2017 21:48 |
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BigDave posted:I didn't steal the car, I just hotwired it and drove it home so it wouldn't get a parking ticket! It isn't even that, the fees issue was a bald faced lie concocted as a cover story upon cursory review of the guy's checking account.
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# ? Jul 7, 2017 22:07 |
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quote:Applicant admitted only one bankruptcy filing in 1997 and one wage garnishment in 1997 in her 2000 Standard Form 86. Even though she certified that her statements on the form were "true, complete and correct" and was advised that a knowing and willful false statement on the form could be punished under Section 1001 of Title 18, United States Code), she admitted no other financial problems. (Item 6) In January 1997 she had completed a Questionnaire for National Security Position (Standard From 86) where she admitted only having issued one bad check in 1990 and having filed for Chapter 13 bankruptcy in 1995. (Item 10) Applicant failed to reveal a history of arrests for worthless checks (13 times between 1987-1997) and an arrest in 1987 for shoplifting. While she denies falsifying her security forms as she claims not to remember her many arrests and also claims that she decided that the older arrests were not relevant, these inconsistent reasons undermine her credibility. (Items 2, 4)
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# ? Jul 7, 2017 22:12 |
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All of this stuff - decades of it. Holy poo poo.
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# ? Jul 7, 2017 22:39 |
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OneTruePecos posted:The fees are a post hoc rationalization for having looted the golf club's bank account to get his personal checking account above water. It's the weakest reed imaginable to hold up embezzlement as something else. He even basically says "well ok I did actually take the money to pay off personal poo poo but I was gonna pay it back so it's not stealing!!!" later on
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# ? Jul 7, 2017 22:59 |
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http://ogc.osd.mil/doha/industrial/09-03490.h1.pdfquote:Applicant failed to mitigate the Government’s security concerns under Guideline E, Personal Conduct and Guideline M, Use of Information Technology Systems. Applicant’s eligibility for a security clearance is denied. quote:Since December 2005, when Applicant was 17 years old, he has engaged in basic computer hacking attacks. quote:During 2005, Applicant also engaged in “social engineering” attacks. He understands that term to mean manipulating people to get personal information that you want and gaining unauthorized access to information by using computers, personal information, and services. One social engineering attack was against an unknowing neighbor. Using his computer skills he gained access to her personal email account. He accomplished this by intercepting electronic data from the wireless network containing her email address. I dunno why they didn't give this guy clearance.
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# ? Jul 7, 2017 23:26 |
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Haifisch posted:necklace rental At least it wasn't rent-to-own. I'm not going to bother quoting all of this one: http://ogc.osd.mil/doha/industrial/11-03581.h1.pdf. It's pro-click especially the saga with "Mr. A" but a highlight: quote:In September 2008, Applicant purchased a new $30,637 car for his 17-year-old daughter with $557 monthly payments. At the time, he was a full-time student with no income, but anticipated he would be receiving $400,000 from the sale of his home within six months. He said he had to buy the car because his former wife had lost the two vehicles she had been awarded five months earlier in the divorce decree. He made nine monthly payments on the vehicle. As reported in his November 2010 CBR, the account was delinquent and closed in November 2009. As of November 2011, the account was listed as charged off and in collection. His former wife told him the lender repossessed the vehicle, the lender denied they had repossessed it, and then it turned up in an auction in a different state where it sold for $2,000 to $3,000.
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# ? Jul 7, 2017 23:28 |
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Hyrax Attack! posted:http://ogc.osd.mil/doha/industrial/09-03490.h1.pdf Is there some missing information there, because it sounds like he was never caught for any of this and just went ahead and told the clearance investigators anyway.
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# ? Jul 7, 2017 23:32 |
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if you lie in any way shape or form on a clearance investigation they will ream your butt ream it it will never feel the same
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# ? Jul 7, 2017 23:37 |
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AreWeDrunkYet posted:Is there some missing information there, because it sounds like he was never caught for any of this and just went ahead and told the clearance investigators anyway. Yeah, doesn't sound like he was caught. I hope there was some procedure for authorities to get in contact with the neighbor to let her know that this jackass decided to try to ruin her life and get into her house for the heck of it.
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# ? Jul 7, 2017 23:39 |
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Hyrax Attack! posted:Yeah, doesn't sound like he was caught. I hope there was some procedure for authorities to get in contact with the neighbor to let her know that this jackass decided to try to ruin her life and get into her house for the heck of it. The report says the guy still hasn't told his neighbor about his hacking attempt because he fears legal consequences. The plus side is that he'll be hosed on getting clearance for a long time because the feds want to see a record of upstanding behavior (which may include fessing up to the neighbor and paying the consequences, and the report hints at that) and that you behave for a while after your hosed-up behavior - this person is only 22 and it's pretty easy for a jaded investigator to hear someone say "well, I did that when I was an immature 17 year old, now I am a mature 22 year old" and
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# ? Jul 7, 2017 23:53 |
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AreWeDrunkYet posted:Is there some missing information there, because it sounds like he was never caught for any of this and just went ahead and told the clearance investigators anyway. quote:In April 1997 Applicant filed Chapter 7 bankruptcy in State #1 for secured and unsecured liabilities of over $500,000, but reaffirmed her first and second home mortgages. Debts of over $300,000 were discharged in August 1997. (3) After she sold her home, she no longer had the mortgages. (Items 6, 16)
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# ? Jul 8, 2017 00:21 |
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quote:Applicant is a 38 year old male employed by a defense contractor, and he is seeking to obtain a security clearance. He was previously granted a SECRET security clearance in February 1982.
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# ? Jul 8, 2017 00:44 |
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http://ogc.osd.mil/doha/industrial/11-03623.h1.pdfquote:It is unclear when Applicant first started having financial problems, but he attributed it to the “downturn in the real estate market and the bad economy.” He purchased a new home for $392,000, and financed the purchase with an 80 percent first mortgage at an interest rate of 7.5 percent, and a 20 percent second mortgage at an interest rate of 11.5 percent, all with no money down. In order to install a swimming pool, he obtained a third mortgage. The total amount financed for the three mortgages was $450,000. Applicant’s monthly payment for the combined mortgages was $3,650. "See, if I don't pay the mortgage, you're going to have to foreclose. Checkmate motherfuckers " http://ogc.osd.mil/doha/industrial/10-01400.h1.pdf quote:1.e. The SOR alleges that in about 2006, Applicant used a company credit card,which had been issued by his employer to be used for business only, for personal use on several occasions. The company reminded him that he was not to use the credit card for personal use. Business, Finance, and Careers > Bad With Money: I'm just stupid EDIT: quote:1.g. Applicant completed a security clearance application (SCA) on July 20,2009. Question 13c asked Applicant if in the last 7 years he had been officially reprimanded, suspended or disciplined for misconduct in the workplace? Applicant answered “No.” The SOR alleges that Applicant failed to disclose that information set forth in subparagraphs 1.e. and 1.f., above. Applicant could give no explanation for his incorrect answer. He testified that he should have answered “Yes” to this question. He did not know why he answered “No.” I can guess why monster on a stick fucked around with this message at 03:38 on Jul 8, 2017 |
# ? Jul 8, 2017 03:35 |
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While it's not Bad With Money, there are some really hosed up applicants in there. http://ogc.osd.mil/doha/industrial/96-0525.h1.html this guy gets convicted of molesting his grand daughter but it's in the countries best interest to give him clearance.
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# ? Jul 8, 2017 03:47 |
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Photex posted:While it's not Bad With Money, there are some really hosed up applicants in there. quote:On May 29, 1996, Applicant was interviewed extensively by two other DIS agents pertaining to the allegations. He initially maintained his earlier consistent position and denied ever engaging in the alleged sexual activity with his granddaughter. Upon further questioning, as a bolt of lightning from the sky, in a statement prepared for his signature by DIS, at 7:50AM, Applicant suddenly altered his previously consistent position and stated:(12)
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# ? Jul 8, 2017 03:57 |
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Having a chat with a person next to me on the train and she told me that she wanted to move down near her son's farm in Temecula wine country, buy a pizza oven, and serve pizza on weekends in front of wineries and at the weddings he already hosts at the farm. This was hinging on a company in Colorado which will train you how to make pizza so long as you buy one of their $30,000 wood fired pizza ovens, which she wants to put on a trailer and tow around town bringing pizza to the masses. I'm no pizza oven expert, but I feel like this is a thing you could get done for $10k. (Also ignoring all of the other business proposition problems here.)
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# ? Jul 8, 2017 04:14 |
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On a lighter note:http://ogc.osd.mil/doha/industrial/01-00010.h1.html posted:The Department of Energy facility at which Applicant worked as a contractor employee maintains nuclear weapons. The facility had received some unfavorable publicity because some other employees had been using facility computers to run a pornography business. Everyone involved had been fired (Tr at 46). It was clearly company policy, made known to all employees, that access to pornographic material was absolutely disallowed (Tr at 36, 45). There were spot checks made of facility computers to detect and deter such use (Tr at 36, 37). e: H110Hawk posted:Having a chat with a person next to me on the train and she told me that she wanted to move down near her son's farm in Temecula wine country, buy a pizza oven, and serve pizza on weekends in front of wineries and at the weddings he already hosts at the farm. This was hinging on a company in Colorado which will train you how to make pizza so long as you buy one of their $30,000 wood fired pizza ovens, which she wants to put on a trailer and tow around town bringing pizza to the masses.
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# ? Jul 8, 2017 04:14 |
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C'mon guys, this is getting really off topic, even for the BWM thread.
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# ? Jul 8, 2017 04:15 |
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Haifisch posted:Pizza and wine, a classic combo. It is, though? There are plenty of successful pizzerias with extensive wine lists. As long as the pizza is good, and it works better with margherita than meat lovers.
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# ? Jul 8, 2017 05:08 |
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22 Eargesplitten posted:It is, though? There are plenty of successful pizzerias with extensive wine lists. As long as the pizza is good, and it works better with margherita than meat lovers.
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# ? Jul 8, 2017 05:23 |
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I'm sure sufficiently fancy pizzas go well with wine, but I don't imagine trailer oven pizza would make the cut. Trailer oven pizza also doesn't strike me as something people would grab on their way into/out of a winery, but I don't really do wineries so what I do I know?
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# ? Jul 8, 2017 05:59 |
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Haifisch posted:I'm sure sufficiently fancy pizzas go well with wine, but I don't imagine trailer oven pizza would make the cut. I know of a lot of small breweries that only serve beer on the premises, but allow you to bring in food, and there's a booming business for food trucks to park in their lot so you can grab a pizza/whatever and enjoy it with your beer. I don't know if they hang out at the local wineries too but it seems like not a bad idea.
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# ? Jul 8, 2017 06:26 |
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Yeah, it doesn't sound like a bad idea. Pizza is the fanciest of foods that don't require plates or even places to sit down. 30k for the oven + training seems like a lot, but if that's her largest expenditure then she's doing okay for a restaurant entrepreneur. I mean how much did that Doobie hotdog guy spend on just his oven hood? And hotdogs are no where near as fancy as pizza at a winery.
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# ? Jul 8, 2017 13:25 |
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Food trucks at wineries seems like a pretty good idea, to the point that surely someone has already thought of this, and either there are already tons of food trucks at wineries or if there aren't, it's because the owners don't want food trucks there or there are permitting issues that prevent it.
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# ? Jul 8, 2017 13:43 |
Those mobile pizza ovens are fine and do good business at the bars/office parks around here. Iit's 10x better than Domino's anyway. Every dive bar seems to have like three food trucks nearby nowadays, I don't know if it's just a western US thing but we are definitely in that trend.
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# ? Jul 8, 2017 13:47 |
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Running a food truck is a difficult, unforgiving job if you actually want to make a living, but then so are all restaurants. The lower startup costs make it less BWM than opening a brick and mortar place, but odds are she will fail, and if she doesn't odds are she will work long hours for not a whole lot of money.
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# ? Jul 8, 2017 13:56 |
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Haifisch posted:I'm sure sufficiently fancy pizzas go well with wine, but I don't imagine trailer oven pizza would make the cut. Also, late to the party but: The Something Awful Forums > Discussion > Ask / Tell > Business, Finance, and Careers > Bad With Money: Applicant disagrees and contends that his horse business is a viable, for-profit business.
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# ? Jul 8, 2017 14:03 |
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I think we're forgetting she's got at least one captive audience at her son's winery. So no competition as long as she doesn't suck and starts hurting his main business. That would be a pretty forgiving environment since it probably wouldn't be an everyday grind and she'd have some flexibility in getting the routine down, experimenting with recipes. All in all this ranks right up with that one girl who just wanted to buy her kid sister an Overwatch gaming rig on the BWM scale.
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# ? Jul 8, 2017 15:18 |
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Krispy Kareem posted:I think we're forgetting she's got at least one captive audience at her son's winery. So no competition as long as she doesn't suck and starts hurting his main business. Overall I don't think it's the uncut heroin of BWM, it would be $20k BWM if she buys it from the training place but if she just installed a pizza oven and used it as catering at her son's farm (not winery) where people are already bringing in outside food truck catering, why not? Pizza is cheap to make and wood is reasonably cheap for the oven. She seems to not have thought it completely through yet, but if her kid has any sort of business acumen it shouldn't be that bad. She also is planning on doing this in "2-3 years when I retire."
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# ? Jul 8, 2017 15:42 |
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All I know is there is a wood fired pizza truck that comes to my office twice a month. It's $10 for an 11" pizza (and a soda/water), which is the only size they offer, made fresh and fired in like literally 3 minutes, and it's godamn amazing pizza. They show up for 2 hours, sell ~100 pizzas, and go home. I presume they have a rotating schedule of other offices they visit the rest of the month.
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# ? Jul 8, 2017 15:54 |
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# ? Jun 5, 2024 03:24 |
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H110Hawk posted:Overall I don't think it's the uncut heroin of BWM, it would be $20k BWM if she buys it from the training place but if she just installed a pizza oven and used it as catering at her son's farm (not winery) where people are already bringing in outside food truck catering, why not? Pizza is cheap to make and wood is reasonably cheap for the oven. She seems to not have thought it completely through yet, but if her kid has any sort of business acumen it shouldn't be that bad. She also is planning on doing this in "2-3 years when I retire." I know I want to spend my retirement working harder for less money and more hassle.
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# ? Jul 8, 2017 17:00 |