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who's the one who bought a $2.5k gaming rig while his kid was going to school by herself because his home was a pigsty of a tiny little mobile home? was it cornholio? zaurg?
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Jul 22, 2017 03:37
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Krispy Kareem posted:Really? Phone contracts are usually two years at zero interest. I’m not sure if you can over leverage or securitize that in a bad way. The principal is being paid down at too fast a rate to stay risky.
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Jul 22, 2017 03:47
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curufinor posted:who's the one who bought a $2.5k gaming rig while his kid was going to school by herself because his home was a pigsty of a tiny little mobile home? was it cornholio? zaurg? That was some E/N person iirc, I remember when that first happened because I had some weird unexplained urge to go into E/N and browse around a bit when I normally steer clear and found that thread in progress and wow. I also remember that the guy came back like a year or two later and posted about how he had turned his life around and took classes on not being a fuckup and CPS let him have his kid back 
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Jul 22, 2017 03:57
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That was the guy whose floor was ‘soft’ and whose kids got themselves ready and went to school all by themselves...but it was a Saturday I think, which is what tipped CPS off. I can’t recall why their floor was soft. Covered in trash or just rotting through. Maybe cat piss? It was a Goon so any answer including all of the above can be accepted.
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Jul 22, 2017 04:11
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Some guy with a clan tag in front of his name. It started with a W. He came back and seemed like he'd gotten things together. He had his kid back, bought a new trailer that they were fixing up while living in it. He posted some photos of the place. It was normal person lived in, rather than hoarder.
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Jul 22, 2017 04:12
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I once heard about a poor person that had a television and a refrigerator!
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Jul 22, 2017 04:49
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Evil SpongeBob posted:Many poors do not skimp on electronics. That's not some super-fancy setup, though. People's expectations are still set at 40"+ flatscreen TVs costing $2500+ like they did fifteen years ago, iPhones being a huge status symbol rather than something that a lot of people have at the back of their junk drawer, and so on. An Xbox One is $250-300, and a TV that size is maybe $400, both brand new. They live in what's pretty obviously a decaying house. An extra $650-700 wouldn't lift them out of poverty. Buying that stuff is BWM if you want to pick apart their financial lives, but they're not driving themselves into poverty by chasing after status symbols. The issues are way bigger than that. (also, the article really tries to gloss over the guy who owns two Jaguars, and spent his super-valuable time to mock a disabled panhandler for not working)
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Jul 22, 2017 04:54
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Nothing is more bad with money than owning jaguars because they never run.
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Jul 22, 2017 05:14
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Krispy Kareem posted:That was the guy whose floor was ‘soft’ and whose kids got themselves ready and went to school all by themselves...but it was a Saturday I think, which is what tipped CPS off. Here you go: https://forums.somethingawful.com/showthread.php?threadid=3453028&userid=0&perpage=40&pagenumber=1 And the redemption: https://forums.somethingawful.com/showthread.php?threadid=3499987
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Jul 22, 2017 05:44
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Long shot, but does anyone know of a place to see the before pictures? The Imgur album has been replaced by two photos of an Asian woman with a fake bar-looking moustache.
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Jul 22, 2017 06:42
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Motronic posted:How Subprime Car Loans Are Ruining Lives And Repeating The Mistakes Of The Housing Crisis I don't think this will cause any widespread issues. Interest rates in the 20% range are high enough to turn a profit after a few months. This is unlike with the housing crisis, where interest rates were not nearly high enough to compensate for the loans risk. It might soften the market for new cars, which are on track for a third consecutive record-breaking sales year. But most manufactures have massive cash reserves and could probably weather a recession with ease.
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Jul 22, 2017 06:50
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C.H.O.M.E posted:Nothing is more bad with money than owning jaguars because they never run. As my father discovered. His one has been in the shop for the past few months.
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Jul 22, 2017 07:01
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C.H.O.M.E posted:Nothing is more bad with money than owning jaguars because they never run. Maybe this season.
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Jul 22, 2017 07:14
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C.H.O.M.E posted:Nothing is more bad with money than owning jaguars because they never run. That was actually my first thought too. I have been listening to a car fix-it podcast lately and the guy cracked a joke about why the English drink warm beer it's because Lucas makes their refrigerators too.  Solice Kirsk posted:Maybe this season. 
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Jul 22, 2017 07:47
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Space Gopher posted:(also, the article really tries to gloss over the guy who owns two Jaguars, and spent his super-valuable time to mock a disabled panhandler for not working) I thought that the article did a pretty good job of showing that that guy's main problem is being a drug addict, and not actually being disabled. He even told the Jaguar owner that he panhandled because it was more profitable than actually working. C.H.O.M.E posted:Nothing is more bad with money than owning jaguars because they never run. On a similar note, never ever buy a Volkswagen CC.
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Jul 22, 2017 14:14
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Space Gopher posted:(also, the article really tries to gloss over the guy who owns two Jaguars, and spent his super-valuable time to mock a disabled panhandler for not working) The guy begging isn't on disability, he just got fired from his McDonalds job for skipping work. The mom is on disability for "anxiety". And it's super easy to get on disability on appeal. You go in front of a judge and you hire a lawyer who argues in favor of you getting disability. But the state doesn't have an advocate who argues you shouldn't be, so the judge only hears one side. The only missing piece is getting a doctor to say you have some sort of disability, and I bet that's about as hard to find as a doctor who says you need medical marijuana. e: actually this family is a quote:He was studying the paint stains on his jeans and boots. They were left over from some community service he had done a few days before as punishment for stealing two items worth less than $200 at a Walmart, one of which was some ear buds, and returning one for money. quote:She knew what they must say about her disability: It’s only anxiety, only depression. Why couldn’t she work? Why did she buy soda and cigarettes when they needed food? How could she afford the Internet and cable TV bills on a $500 monthly disability check? skipping community service to beg, that's gonna end well: quote:“I was supposed to go work off my fines today,” he said. quote:Why couldn’t he get a job? Was he to blame? Maybe people were right when they told him tattoos would turn off employers. He also could have walked through the snow that day McDonald’s had fired him — it was less than a mile from his house — but he hadn’t done that, either. OctaviusBeaver fucked around with this message at 15:00 on Jul 22, 2017 |
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Jul 22, 2017 14:45
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OctaviusBeaver posted:And it's super easy to get on disability on appeal. You go in front of a judge and you hire a lawyer who argues in favor of you getting disability. But the state doesn't have an advocate who argues you shouldn't be, so the judge only hears one side. The only missing piece is getting a doctor to say you have some sort of disability, and I bet that's about as hard to find as a doctor who says you need medical marijuana. I have a friend who is a disability lawyer. He said over 65% of people being represented used to get on disability. In the last year or so it's more like 35%. I don't know if that's nationwide or the reasons behind it, but it's most definitely a thing that's changing their practice.
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Jul 22, 2017 15:55
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OctaviusBeaver posted:The guy begging isn't on disability, he just got fired from his McDonalds job for skipping work. The mom is on disability for "anxiety". the article posted:The morning of the first confrontation, in November, Hess, a man with a crew cut and hands scarred from years of work, slept until noon. His moving company had done a big job the day before, and when he awoke, he noticed he was nearly out of dog food, so he left his house, a brick ranch atop a steep hill. After collecting the dog food from a grocery store, he saw Tyler’s father, Dale McGlothlin, a former coal miner living on disability, holding a sign along the side of the road. “Need donations to help to feed my family,” it said. The bottom line is this: yes, most people in poverty have made some bad decisions in their life. But, most people in nicer circumstances have made equally bad or worse decisions; they've just been insulated from them because they have a cushion. Upper middle class 19 year old kid smokes weed and does nothing for a semester in college, and the school therapist writes them up a hardship withdrawal for the quarter because they're just a kid who deserves a second chance. Mom and dad chew them out and pay. Most of the time, life goes on and the kid becomes a district sales manager somewhere. Poor 19 year old kid skips out on a couple of welding classes to smoke weed and hang out, and they're a deadbeat who deserves nothing. If they end up a panhandler, it's because of their own terrible life decisions, says the district sales manager. If you see somebody walking a tightrope over a long drop with no net, is your first reaction, "oh, that's nothing, I walk around all the time and hardly ever trip?"
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Jul 22, 2017 16:44
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Watched guy with a sign that said "disabled vietnam vet" count out at least $250 in cash at the red light yesterday, mostly $10s and $20s. I think if I was a panhandler I'd have waaaay too much shame to ever do that, or at least be too scared of getting mugged but he seemed very unconcerned.
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Jul 22, 2017 17:27
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Pryor on Fire posted:Watched guy with a sign that said "disabled vietnam vet" count out at least $250 in cash at the red light yesterday, mostly $10s and $20s. I think if I was a panhandler I'd have waaaay too much shame to ever do that, or at least be too scared of getting mugged but he seemed very unconcerned.
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Jul 22, 2017 17:53
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If you’re going to be disabled at least be missing a limb. I can’t throw money at an one legged panhandler fast enough. Get a three legged dog and you can basically print money.
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Jul 22, 2017 18:49
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Pryor on Fire posted:Watched guy with a sign that said "disabled vietnam vet" count out at least $250 in cash at the red light yesterday, mostly $10s and $20s. I think if I was a panhandler I'd have waaaay too much shame to ever do that, or at least be too scared of getting mugged but he seemed very unconcerned. You know, if that's all the money the guy has in the world and he's homeless, it's not that much money.
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Jul 22, 2017 19:45
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Hot Dog Day #91 posted:You know, if that's all the money the guy has in the world and he's homeless, it's not that much money. True, but he's rich in life experience. And maybe body lice.
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Jul 22, 2017 19:53
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Hot Dog Day #91 posted:You know, if that's all the money the guy has in the world and he's homeless, it's not that much money. You know what, that guy has $250 more than Donald Trump. Makes you think.
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Jul 22, 2017 19:54
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Two stories: A friend who is studying abroad signed a lease for a fancy condo expecting to pay it off with a summer job here. If he worked year-round full-time at his current job, his take-home salary would equal the cost of his lease. If he gets the kind of job he's looking at after graduation, the lease would STILL be 55% of his take-home salary. He went pale when I brought it up -- I think he messed up the currency conversion. Also, a few years ago, I worked at a game store and failed to talk a customer out of "investing" $1000+ on Kaijudo cards for her child's college savings. She didn't listen.
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Jul 22, 2017 20:08
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Saeku posted:Two stories: I'm the fancy condo company that didn't do any sort of background check on the guy to discover he doesn't have a job that can pay for it
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Jul 22, 2017 20:16
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OctaviusBeaver posted:The guy begging isn't on disability, he just got fired from his McDonalds job for skipping work. The mom is on disability for "anxiety". God youre fuckin atrocious
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Jul 22, 2017 22:18
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BENGHAZI 2 posted:God youre fuckin atrocious There are people who need to be on disability and then there are people who don't show up for work because they can't be bothered to walk ten minutes in the snow. This article doesn't paint this particular kid in a very positive light. Maybe there's more there, but I really can't see a reason this guy can't work. The dad with arms that don't work is another matter, and the mom sounds like she has a bunch of addiction issues. Those are real problems. The 19 year old kid, suck it up and get a McJob.
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Jul 22, 2017 22:29
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DACK FAYDEN posted:The former. I know way too much about this so you're getting an effortpost! So the cherry picked best psychically-selected MTG cards are still significantly underperforming the S&P 500, which including dividends has returned 158% in the past 7 years and 744% since the release of MTG in 1993
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Jul 22, 2017 22:52
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Both of you have valid points. bird.jpg
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Jul 22, 2017 22:53
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Pryor on Fire posted:Watched guy with a sign that said "disabled vietnam vet" count out at least $250 in cash at the red light yesterday, mostly $10s and $20s. I think if I was a panhandler I'd have waaaay too much shame to ever do that, or at least be too scared of getting mugged but he seemed very unconcerned. There are various expose pieces written about lucrative panhandling. In the right places with enough traffic you can exchange your pride and dignity for a better income than many actual jobs
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Jul 22, 2017 22:56
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BEHOLD: MY CAPE posted:So the cherry picked best psychically-selected MTG cards are still significantly underperforming the S&P 500, which including dividends has returned 158% in the past 7 years and 744% since the release of MTG in 1993 Yeah it's weird that it performs less well than actual investments, my mind is blown
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Jul 22, 2017 23:02
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BENGHAZI 2 posted:God youre fuckin atrocious No, he's not. The BWM in all of this is having a welfare system that disincentivizes working, and in not strictly regulating the shady "pain clinics" that serve as legal drug dealers for these out-of-work addicts.
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Jul 22, 2017 23:09
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Is there a preferred way to gain derail equity in this thread?
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Jul 22, 2017 23:17
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LLCoolJD posted:No, he's not. Yeah I agree it would suck if that was how our welfare system worked
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Jul 22, 2017 23:20
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LLCoolJD posted:a welfare system that disincentivizes working Hey look it's the ghost of Reagan in lovely wrong forums poster form
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Jul 22, 2017 23:24
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ate all the Oreos posted:Hey look it's the ghost of Reagan in lovely wrong forums poster form 90% of poor people have refrigerators
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Jul 22, 2017 23:26
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BENGHAZI 2 posted:Legacy magic cards hold value surprisingly well, seeing if the price on dual lands will continue to go up is not a bad idea given he almost assuredly did not pay multiple hundreds of dollars for them when he got them Unless he's getting some use or non-monetary enjoyment from the cards, his friend is almost certainly better off selling the cards now, buying productive assets, and then selling those off as he needs the money. BENGHAZI 2 posted:Yeah I agree it would suck if that was how our welfare system worked TANF welfare and SNAP, not so much (though the asset caps that some states put in place aren't helpful). But SSI, which is de facto 'welfare' in large parts of the country, is structured in a way that makes it difficult for people to get back into the (legitimate, above-board) workplace. But then SSI was never meant to be a minimum income for people capable of work, repeated cuts to TANF have forced people there. AreWeDrunkYet fucked around with this message at 23:31 on Jul 22, 2017 |
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Jul 22, 2017 23:27
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C.H.O.M.E posted:There are people who need to be on disability and then there are people who don't show up for work because they can't be bothered to walk ten minutes in the snow. This article doesn't paint this particular kid in a very positive light. Maybe there's more there, but I really can't see a reason this guy can't work. The article never says the kid is on disability, though. And there aren't a lot of McJobs in the Virginia sticks. Yes, the article paints the picture of a fuckup kid in a hard situation who's made some bad choices. What it doesn't point out is the same  mah tax dollars! approach prevents any kind of real solution. Give that kid $20,000 worth of job training and social work, and an environment willing to let him try again a few times when he's a 19 year old kid and fucks up. There's a pretty good chance he'd turn out OK, and contribute way more than $20,000 back in tax revenue over his lifetime. Average it over ten thousand hosed up nineteen year old kids, and you'll get a very good return on investment.But he's not going to get that, because he doesn't have a job right now, so he's always and forever a dirty non-worker who shouldn't expect anything from anybody. So he'll just keep surviving off his mom's and wife's disability payments, panhandling when the fridge is empty, and giving idiots a reason to fight for the status quo that keeps him there. LLCoolJD posted:No, he's not. By gosh, you're right. I think I'll quit my white-collar job (which has been kinda lovely lately) and adopt a budget that is literally "the minimum required to exist in the area, as determined by the federal government." Fun fact: you're not allowed to save on SSI disability. If you manage to put away more than $2,000, the government will literally cut you off of support until your bank account balances and other liquid assets drop below that amount. Also, the feds and state governments have shut down a lot of pain management clinics, starting a few years ago. Turns out addicts stay addicted even when you cut them off cold turkey. Now there's a massive fentanyl problem. Got a commonsense solution to that one?
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Jul 22, 2017 23:40
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Space Gopher posted:The article never says the kid is on disability, though. And there aren't a lot of McJobs in the Virginia sticks. My dude
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Jul 22, 2017 23:53
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