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Nirvikalpa posted:Does anyone here know a lot of people who do MLMs? I only know four people who do (my aunt who has been chronically unemployed, two people from high school, and weirdly enough my cousin who is a military wife but also earned a Masters in Economics from a pretty good school. But it's apparently a big problem in some circles. I don't really know her, but one of the managers at work has a Scentsy air freshener disc hanging in her car.
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Jan 5, 2018 08:30
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Sic Semper Goon posted:I don't really know her, but one of the managers at work has a Scentsy air freshener disc hanging in her car. She may have been bullied into buying one as some party she was forced to go to. I think women must have a much harder time avoiding those stupid Tupperware, Scentsy, etc parties due to social pressures. If one of my friends was throwing one I just wouldn't be able to make it and would eventually say "No, thanks," if they pushed it. It seems like my wife comes under a lot more pressure from a lot more people to go to them. Luckily we are genuinely busy enough that people believe her when she says she can't make it, but now there are these online parties that don't even involve wine and it odds harder to beg out of those.
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Jan 5, 2018 16:16
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KingSlime posted:In Austin I've specifically been told by staff members that a past broken lease would have disqualified me from renting at my current complex. No, the person flippantly saying "broken leases don't matter" is just an idiot. There is a registry that landlords use to check whether people have broken leases in the past. It can be extremely difficult to find someone to lease to you if you have previously broken a lease. You generally have to find some individual owner, as the property management companies and such of the world will just reject you out of hand. I know this, first hand, because I have a friend who broke a lease a few years back (well, she claims she did not really break it, but in any event, the landlord claims she did), and now she can't even get to the explanation stage in trying to find a new apartment. The landlords/management companies just reject her out of hand, because of the broken lease. She is currently renting from an individual who owns a lovely, poorly kept-up building, in a somewhat sketchy part of town, at a grossly inflated price. She considers herself lucky to have found that, having been just rejected out of hand from so many other places. I am far from a bleeding heart liberal, but it is one of the things that has opened my eyes to how we do tend to have systems in this country that have the perverse outcome of preventing people from really getting back on their feet. (I don't need to hear the counterpoint about how landlords need to charge extra to protect themselves from the credit risk of someone who has previously displayed a willingness to walk away from a lease. I am aware the issue is nuanced.)
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Jan 5, 2018 16:29
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therobit posted:She may have been bullied into buying one as some party she was forced to go to. I think women must have a much harder time avoiding those stupid Tupperware, Scentsy, etc parties due to social pressures. If one of my friends was throwing one I just wouldn't be able to make it and would eventually say "No, thanks," if they pushed it. The social pressure from this poo poo is insane. All the upper management women at my old office invited me to one of their lularoe parties and I felt an incredible obligation because getting into management is a huge popularity contest and I was trying to raise my profile a bit. I went to the party and felt super awkward but it helped because it let me brush elbows with the uppers.
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Jan 5, 2018 16:35
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Staryberry posted:oil educator lol wtf https://www.reddit.com/r/personalfinance/comments/7oazi3/25_separation_children_and_near_unmanageable_debt/ quote:Hi All, Here's an idea, Luke: don't spend more than 80% of your take home on housing and transportation.
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Jan 5, 2018 16:41
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What was his defense for not just selling the car?
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Jan 5, 2018 16:48
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Barry posted:lol wtf That guy has pretty grandiose ideas of his importance or is hilariously underpaid. He should be making basically double that if he's a network engineer.
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Jan 5, 2018 16:51
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When we say breaking a lease are you talking about ditching on it or giving notice and paying the fee agreed on in the lease? It seems dumb to be penalized for following the terms of the lease agreement for early termination of the lease.
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Jan 5, 2018 16:59
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SlyFrog posted:No, the person flippantly saying "broken leases don't matter" is just an idiot. To be fair, he/she DID say they work in the industry. My experience with apartment industry professionals has given me the impression that they're very often, almost always completely full of poo poo.
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Jan 5, 2018 17:37
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Haifisch posted:It came from /r/legaladvice: Ahhhh yes, the "neener-neener, I'm not listening so you can't do anything to me defense" 
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Jan 5, 2018 18:12
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Teeter posted:Ahhhh yes, the "neener-neener, I'm not listening so you can't do anything to me defense" I think alot of people in the best of legal advice were thinking that was a troll. Lowness 72 fucked around with this message at 20:14 on Jan 5, 2018 |
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Jan 5, 2018 18:13
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Teeter posted:Ahhhh yes, the "neener-neener, I'm not listening so you can't do anything to me defense" kimbo305 posted:What was his defense for not just selling the car? OP posted:I wish! Car 2 has a payout figure of $34k. quote:So i have done some work to my idea and think I have found the possible way out, any input would be awesome.
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Jan 5, 2018 18:19
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Lowness 72 posted:I think alot of people in the best of legal advice we're thinking that was a troll. Yeah, I've just finished reading through the rest of the comments and I've come to the same conclusion. For my own sanity, I choose to believe that nobody that stupid and hardheaded actually exists in this world. Then again, SovCit.
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Jan 5, 2018 18:20
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SlyFrog posted:No, the person flippantly saying "broken leases don't matter" is just an idiot. It depends what you mean by "breaking a lease". There's provisions for leaving a lease such as an early termination fee because it happens all the time. What does get reported is if you don't pay the remaining balance/fees. The landlord might have said she broke the lease, and then reported the lack of payment for an early termination fee. Now if she just flat out abandoned the property and the landlord evicted her, then it shows up in public records. Harry fucked around with this message at 19:55 on Jan 5, 2018 |
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Jan 5, 2018 19:34
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Harry posted:It depends what you mean by "breaking a lease". There's provisions for leaving a lease such as an early termination fee because it happens all the time. What does get reported is if you don't pay the remaining balance/fees. The landlord might have said she broke the lease, and then reported the lack of payment for an early termination fee. Now if she just flat out abandoned the property and the landlord evicted her, then it shows up in public records. You're not really breaking a lease (or a contract) if you follow the terms of a contract and pay out the amounts owed allowing you to terminate. I'm not sure why anyone would consider that breaking a lease. It's just exercising an early termination right under the lease agreement. In her case, I think there was a bit of fault on each party's part. Her story is a bit hazy to me (it's been a while), but essentially boils down to her leaving with a month or so to go, and not giving proper notice. At the same time, landlord apparently was an absolute fucker, and kept both the full security deposit and the extra month's rent. There was no damage to the property. So the landlord was really made whole (he did not lose anything, since he kept both the deposit and the month's rent paid up front), but the lease was technically broken, since she did not give notice and did not pay the technical rent payments. Her story is that the landlord did that slimy game where he pronounced the lease in default, and then used the lease agreement to assess "late charges" on the rent owed, such that the security deposit did not cover the entire amount of the late charges, etc. She was in financial distress, and did not have a lot of choice (per her). The landlord seems slimy as gently caress, and (surprise) was basically looking for any excuse to keep the the full security deposit and still somehow claim late fees were owed. Basically, neither side covered themselves in glory here. But the important point is that it counted as a broken lease on the records, and now she is hosed for finding a new place easily. One of the problems with the records is that they are not all government record systems where there is a process for disputing them. My understanding is that landlords use certain private record systems (pay per search) as well. She shows up on those, and gets denied, without a whole lot of ability to do anything about it.
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Jan 5, 2018 20:08
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Well I was going to relate the story of the guy I met at a festival over new years who was investing in cryptocurrencies to try and beat the interest on his $40K of student loans. It was pretty classic crypto-koolaid. "At this stage in my life, I'm just paying the interest on the loan and not even touching the principle, so I have nothing to lose." "I only need to make better than 5% returns to come out ahead." "I'm investing in a diverse portfolio of cryptocoins." ... but now, a few days later, he's texted me to say that he's listened to several people expressing concern about this, and is going to do something more sensible with his money. (Which I hope is putting every spare cent into the loans, but who knows?)
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Jan 5, 2018 20:08
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H110Hawk posted:That guy has pretty grandiose ideas of his importance or is hilariously underpaid. He should be making basically double that if he's a network engineer. What? $4,500 monthly after australian taxes equates to something like $80,000 AUD a year. For a 25 year old (IE, he doesn't have 10+ years of experience) that is pretty much what you'd expect. He's just really bad with money.
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Jan 5, 2018 20:08
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SlyFrog posted:I am far from a bleeding heart liberal, but it is one of the things that has opened my eyes to how we do tend to have systems in this country that have the perverse outcome of preventing people from really getting back on their feet. (I don't need to hear the counterpoint about how landlords need to charge extra to protect themselves from the credit risk of someone who has previously displayed a willingness to walk away from a lease. I am aware the issue is nuanced.) I can tell you firsthand in many states the law favors the renters over landlords to an absurd degree. The first (and only) time I rented out my apartment the tenant refused to pay or leave for 4 months, and the only way I could get him out was to pay HIM for a month of hotel expenses to leave.
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Jan 5, 2018 20:10
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I hate to be the bad guy, but we don't need to go over the finer points of rental law in Texas, and we don't need to hear about your relatives buying you too many Wonderhangers. Though if they bought you a horse, please 
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Jan 5, 2018 20:23
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Lockback posted:What? $4,500 monthly after australian taxes equates to something like $80,000 AUD a year. For a 25 year old (IE, he doesn't have 10+ years of experience) that is pretty much what you'd expect. 80k AUD is more like 62k USD, and living costs in Aus are higher than the US. But he's insistent on a plan with a personal, uncollateralized loan, which is stupid because those interest rates are going to be massive compared to his car loan (though probably less than his CC and payday loan). He should just sell the car, pay off those two loans, and re-evaluate, especially if he's going to be taking on a child.
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Jan 5, 2018 23:40
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totalnewbie posted:80k AUD is more like 62k USD, and living costs in Aus are higher than the US. Sorry for my ignorance, can he sell the car without repaying the car loan?
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Jan 6, 2018 01:43
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Where does he get the title from?
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Jan 6, 2018 01:44
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Senor Dog posted:Sorry for my ignorance, can he sell the car without repaying the car loan? Oh, right, I wasn't thinking clearly. Welp.
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Jan 6, 2018 01:47
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FateFree posted:I can tell you firsthand in many states the law favors the renters over landlords to an absurd degree. The first (and only) time I rented out my apartment the tenant refused to pay or leave for 4 months, and the only way I could get him out was to pay HIM for a month of hotel expenses to leave. It completely depends upon the state and locality. Extremely tenant friendly laws, which in some locations give a tenant more or less permanent rights to continue renting a property forever with a rent board dictating the future rent, have the very unfortunate effect of driving marginal affordable rental units out of the housing market. As you experienced firsthand, why would you rent a room in your house or an apartment over your garage if it was difficult and terribly expensive to remove a tenant who didn't pay rent, and virtually impossible for any other reason?
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Jan 6, 2018 07:03
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SlyFrog posted:No, the person flippantly saying "broken leases don't matter" is just an idiot. I don't know exactly where you live but there is no such thing as a master tenant broken lease registry or anything, at least as far as I have ever heard of. Evidence of undesirable tenant behavior comes from court records, including eviction complaints and judgements, as well as credit reports and criminal records. Breaking a lease per se does not automatically create a paper trail. There ARE local tenant blacklists which are curated from court records, especially in NYC, and sold to landlords, but many more things than just breaking a lease can land you on those lists, including virtually any involvement for any reason in a landlord tenant court lawsuit.
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Jan 6, 2018 07:10
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CannonFodder posted:$200 in tolls probably means they take express lanes every day to skip the traffic, unlike NY/NJ or Chicago where the whole highway is tolled. A public highway having an explicit "rich people get to drive faster" lane is maybe the most Texas thing I've ever heard Trustworthy fucked around with this message at 14:38 on Jan 6, 2018 |
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Jan 6, 2018 14:36
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It's in DC as well
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Jan 6, 2018 15:08
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The interstate I use in Atlanta is about to get them and gently caress yeah I ordered a pass. I may get the guillotine, but I'm not sitting in traffic while I'm getting there.
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Jan 6, 2018 15:24
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Trustworthy posted:A public highway having an explicit "rich people get to drive faster" lane is maybe the most Texas thing I've ever heard Poors have nowhere to be so why let them slow down productive people?
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Jan 6, 2018 15:38
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Trustworthy posted:A public highway having an explicit "rich people get to drive faster" lane is maybe the most Texas thing I've ever heard That's most highways in Colorado. Eventually, there will even be a toll lane to get you from the southern suburbs to Colorado Springs via I-25. Only way they can afford to build the 3rd lane in each direction.
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Jan 6, 2018 16:13
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Trustworthy posted:A public highway having an explicit "rich people get to drive faster" lane is maybe the most Texas thing I've ever heard lol drive in jersey some time
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Jan 6, 2018 16:40
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mandatory lesbian posted:lol drive in jersey some time Being from Boston, I was like what's the problem? 
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Jan 6, 2018 16:50
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Maybe if I think of them as toll roads with a subsidized free lane for the poor I can convince myself that the concept isn't some evil capitalist dystopian poo poo (but probably not)
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Jan 6, 2018 17:20
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Trustworthy posted:Maybe if I think of them as toll roads with a subsidized free lane for the poor Marketing at Comcast is taking notes furiously.
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Jan 6, 2018 18:09
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blackmet posted:That's most highways in Colorado. Yeah. People constantly vote against increasing taxes on gas or anything else that would give the department of transportation more money, so they’ve installed toll lanes in a lot of parts of Denver to make some money. A stretch of I-70 on the Western slope too, but I haven’t seen it anywhere else. Probably not coincidentally the interstate outside of Denver has a shitload of potholes.
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Jan 6, 2018 18:20
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Trustworthy posted:A public highway having an explicit "rich people get to drive faster" lane is maybe the most Texas thing I've ever heard Lots of states have tollways. If you want to get from Philadelphia to Harrisburg, there are all sorts of public roads you can take. Or you can take the Turnpike, aka the "rich people get to drive faster" road. I'm not sure what the meaningful difference is between that and a toll lane on a non-toll highway.
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Jan 6, 2018 18:25
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Phanatic posted:Lots of states have tollways. If you want to get from Philadelphia to Harrisburg, there are all sorts of public roads you can take. Or you can take the Turnpike, aka the "rich people get to drive faster" road. I'm not sure what the meaningful difference is between that and a toll lane on a non-toll highway. I'm also not sure subsidizing massive interstates and encouraging sprawl actually helps the poor. The government. BWM. [/derail]
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Jan 6, 2018 18:28
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Guys, can we please think of all the poor municipal bond holders that would be affected if we just got rid of the tollway system?
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Jan 6, 2018 18:31
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22 Eargesplitten posted:Yeah. People constantly vote against increasing taxes on gas or anything else that would give the department of transportation more money, so they’ve installed toll lanes in a lot of parts of Denver to make some money. A stretch of I-70 on the Western slope too, but I haven’t seen it anywhere else. Be like Massachusetts and have the governor give you a choice between raising the gas tax or tolls, pick tolls, then have the gas tax raised too. And still have the worst roads in the country. Do we have a "that's government" smiley?
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Jan 6, 2018 18:34
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In LA, buying a toll transponder is the best thing I've ever done. I don't use the combination carpool lane/toll lane during rush hour where it can be upwards of $10+ to use it, but during the weekends I'll pay $0.90 to avoid even a few minutes of traffic jam. And if you have 2+ people and a transponder, you can set your transponder to car pool mode and the use of the lane is free. In OC, the toll road is the only reasonable way to get to Riverside county, but Riverside sucks anyways so w/e
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Jan 6, 2018 18:39
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