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KYOON GRIFFEY JR posted:nobody should spend money on ancestry.com Genealogy is a cheap and time consuming hobby. That's GWM.
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Feb 6, 2019 23:50
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quote:I maintain a budget, I monitor our accounts, I know what we have coming in and going out. But obviously we are doing something wrong... I just cant understand what we are doing wrong or why we struggle so much when we bring in decent money and we dont spend excessively. She's rocking some powerful cognitive dissonance 
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Feb 7, 2019 00:29
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Enfys posted:She's rocking some powerful cognitive dissonance It's rather typical when someone is going through the motions of budgeting. I believe she was categorising expenditure and not reviewing it or using the information to make any decisions. Essentially stamp collecting historical information. The concept of setting a budget and using it to make decisions on whether or not to spent is an alien concept to her.
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Feb 7, 2019 01:03
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Devian666 posted:Essentially stamp collecting historical information. That explains the Ancestry.com membership
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Feb 7, 2019 01:09
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Enfys posted:She's rocking some powerful cognitive dissonance She's let her minimum wage husband father three children, then trick her into paying all his bills while he actually lives with his girlfriend. I mean, I hope I wouldn't let things get to that, but if I did, I sure as gently caress wouldn't want to take a long hard look in the mirror.
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Feb 7, 2019 01:10
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ma i married a tuna posted:She's let her minimum wage husband father three children, then trick her into paying all his bills while he actually lives with his girlfriend. I mean, I hope I wouldn't let things get to that, but if I did, I sure as gently caress wouldn't want to take a long hard look in the mirror. Different couples. One family of five, another of four.
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Feb 7, 2019 01:42
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Devian666 posted:I found the open-marriage bonus on this one. Why is her husband looking at apartment listings upsetting to her? It sounds like her husband moving out would be amazing for her.
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Feb 7, 2019 01:43
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Also, I feel like "we have three kids" and "we live a modest life" is some serious loving cognitive dissonance by itself.
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Feb 7, 2019 01:44
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Thanatosian posted:Why is her husband looking at apartment listings upsetting to her? It sounds like her husband moving out would be amazing for her. A divorce would also be beneficial. Half the debt and the husband would need to contribute child support. Hopefully he would argue to keep a vehicle with a lot of debt attached and she could dodge a bigger bullet. She claimed that they couldn't afford to live apart, but living together seems a lot more expensive.
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Feb 7, 2019 01:50
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ChickenOfTomorrow posted:SS ships out of Chicago, everything else we know about them is hearsay, rumor, and myth. the first kratom thread thread is well worth a skim if you have archives! TwoDice posted:got a link? The story is in the second post of the current Kratom thread. Here's the archived thread. Oh, and I wasn't exaggerating when I said tens of thousands of dollars: TheKeeper posted:From my first order placed February 24, 2014 to now [Dec 11, 2015]: $55,733.75
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Feb 7, 2019 02:37
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canyoneer posted:https://www.reddit.com/r/personalfinance/comments/amhfhn/we_need_helpadvice_what_are_we_doing_wrong/ The money is going into constantly shoving food and drinks in their face every waking moment. Eating Out: $250 Alcohol: $253 Kids School Lunch: $150 Husband Lunch: $49 My Lunch: 34 Groceries: $1036 Total monthly food/booze costs: $1772 That's 28.5% of their monthly income! They're spending around $225/mo on lunch for everyone alone ($150 + $49 + 34). That leaves around $1500 a month including booze to cover breakfast and dinner. What the hell are these people buying? Quit eating out and drinking and you can save over $500 a month right there.
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Feb 7, 2019 03:15
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GamingHyena posted:The money is going into constantly shoving food and drinks in their face every waking moment. This juxtaposed with her justification for the $1000 grocery bill being p good for 5 people (which it isn't terrible but definitely not good) is just  Even tho $200/person isn't terrible the $354.40/person certainly is. And just having a $250/month booze line itself is clearly not modest even if all of the kids are booze hounds too.
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Feb 7, 2019 05:22
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ChickenOfTomorrow posted:The story is in the second post of the current Kratom thread. What the fuuuuuuck
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Feb 7, 2019 12:36
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Oh tcc is a magical place, and kratom is great because fst is literally an rc opiate that's highly addictive. That 55k over just a year is fully believable once you see how they wrangle you in then tolerance hits since the rc is like fent where it causes insane tolerance increases. If anything please read drugs.txt it's one of the best threads in tcc. Also because there's a link to an actual research paper someone wrote for a wiki about his hypothesis that you can gently caress the shadow people that your brain let's you see on benedryl and how he goes about doing so. This is all real I wish I could make up bullshit like this.
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Feb 7, 2019 13:37
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Saving  on a game to lose your life savingsI just lost my entire life's savings to online fraud, what do I do now? quote:TL;DR Had a keygen on my computer, lost my entire savings, my email was compromised and someone attempted to purchase several giftcards with the money in my checkings.
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Feb 7, 2019 14:33
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Inept posted:Saving Funny the OP left out the program that came with the keygen.
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Feb 7, 2019 14:37
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ChickenOfTomorrow posted:The story is in the second post of the current Kratom thread. wooow
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Feb 7, 2019 16:14
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https://www.reddit.com/r/legaladvice/comments/anu6b3/purchased_a_condo_seller_rented_it_to_his_nephew/ Purchased a condo, seller "rented" it to his nephew the day before contracts were signed. Now what? [NY, Putnam County] quote:Mostly what's in the title. Condo was vacant for roughly 60 days between closing and our attempt to move in. Upon getting there with our belongings, we discovered a new deadbolt on the door - the unit was vacant and had no deadbolt when we did our final walkthrough the day before closing. Tried knocking on the door. got no answer, reached out to our realtor, who contacted the seller's agent and asked that he get in touch with his client to find out what the hell is going on, but at this point we assumed squatters. About an hour later, a young man showed up and produced a 36 month lease which had been paid in advance. All $1 of it. He told us it's between us and his uncle, and headed into the apartment. quote:Update (4:45PM): I just got a call from my attorney's admin. He's apparently close enough to civilization to have an internet connection in his cabin and should be checking in with her shortly, at which point she'll have him reach out to me. Apparently he was a civil litigator before he "retired" to real estate law, and she thinks he'll welcome an excuse to step into his old shoes and tear these people apart. Needless to say I am looking forward to hearing from him.
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Feb 7, 2019 19:48
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Looking forward to the seller getting turbofucked. Hopefully buyers can get damages from the seller to cover their hotel / etc.
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Feb 7, 2019 19:58
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What’s the term for what the seller did legally wrong? Being a tremendous dick isn’t against the law in and of itself. I don’t know what’s involved in selling a house, is it some kind of breach of contract?
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Feb 7, 2019 20:05
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That is a terrible situation to be in. He's going to win every court case for it but I'm betting he's going to lose so much money doing so, and that he won't get his money back. The seller has probably already spent or tied up the money elsewhere. I think the likely scenario is that the buyer wins a judgement but can't collect. The seller and/or nephew declare bankruptcy to delay legal action and eviction, and when it finally comes to it, the nephew strips the condo of all appliances and copper before being evicted.22 Eargesplitten posted:What’s the term for what the seller did legally wrong? Being a tremendous dick isn’t against the law in and of itself. I don’t know what’s involved in selling a house, is it some kind of breach of contract? Fraud, breach of contract, various bad faith claims SpartanIvy fucked around with this message at 20:16 on Feb 7, 2019 |
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Feb 7, 2019 20:13
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22 Eargesplitten posted:What’s the term for what the seller did legally wrong? Being a tremendous dick isn’t against the law in and of itself. I don’t know what’s involved in selling a house, is it some kind of breach of contract?
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Feb 7, 2019 20:42
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Ah, so he already got all the money before leasing it out. Not sure how that isn’t criminal, but okay.
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Feb 7, 2019 20:49
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SpartanIvy posted:when it finally comes to it, the nephew strips the condo of all appliances and copper before being evicted. Silver lining from OP: quote:Well part of the plan was to tear the apartment to pieces and install all new everything when we're ready to move and before we rent it out. If this guy destroys the place, he'll just be pushing that schedule up and subsidizing some of the demo work when all's said and done in court.
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Feb 7, 2019 20:56
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22 Eargesplitten posted:Ah, so he already got all the money before leasing it out. Not sure how that isn’t criminal, but okay. The seller doesn't appear to be getting anything on the surface. He rented the condo out for $1. So this is probably a family scam that they've done before. Sell a house, pull this poo poo at the last minute, and then scam the new owners out of a settlement or live rent free for as long as possible. They probably know exactly how far they can take this legally.
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Feb 7, 2019 20:56
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kimbo305 posted:Silver lining from OP: Krispy Wafer posted:The seller doesn't appear to be getting anything on the surface. He rented the condo out for $1.
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Feb 7, 2019 21:12
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Dead Reckoning posted:Uh, he's got the money from the people who thought they were purchasing a condo. He was always going to get the money. But by renting out the house he's put himself in a spot where there's a risk (however small) he could lose a whole lot of money. Even if he wiggles out of it with a bankruptcy, he still incurs a cost he wouldn't have otherwise had. There's no benefit to him here unless he's in on the scam with the "nephew". I haven't heard of this grift before, but there have been other family scams where one adult buys a house and a large extended family lives in it. The house is foreclosed on in a year or so. Then the next adult buys a house and the process repeats. By the time you get around to the first adult again, the initial foreclosure has fallen off their record. The buyer's best hope is that this is the first time he's pulled this trick and he's made a mistake their lawyer can exploit.
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Feb 7, 2019 21:49
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Ah, I see what you meant now.
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Feb 7, 2019 21:58
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Since no one was supposed to be living there, the seller failed to deliver the property "free of tenants," and therefore the title insurance company would step in and go after the seller, no? Not getting title insurance is extremely BWM
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Feb 7, 2019 23:58
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The buyer should be literally allowed to murder the person in the condo if they wish. I wouldn’t convict for sure.
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Feb 8, 2019 02:15
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Blinkman987 posted:The buyer should be literally allowed to murder the person in the condo if they wish. I wouldn’t convict for sure. That’s New York though, they’d convict him of manslaughter just for thinking about it.
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Feb 8, 2019 03:55
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JRay88 posted:That’s New York though, they’d convict him of manslaughter just for thinking about it. I think it's upstate so maybe not.
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Feb 8, 2019 04:16
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potee posted:Since no one was supposed to be living there, the seller failed to deliver the property "free of tenants," and therefore the title insurance company would step in and go after the seller, no? I fail to see how this isn't criminal fraud. The seller and the leaser conspired to defraud the buyer. The seller signed a sales contract that he knew was invalid and had no intention of honoring and the leaser signed a rental agreement, knowing the sale was imminent, intending to prevent the buyer from inhabiting his property. At this point I would be providing a draft of an editorial to be published in the local newspaper about how the AG's office is incompetent to the AG.
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Feb 8, 2019 14:53
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Murgos posted:I fail to see how this isn't criminal fraud. The seller and the leaser conspired to defraud the buyer. The seller signed a sales contract that he knew was invalid and had no intention of honoring and the leaser signed a rental agreement, knowing the sale was imminent, intending to prevent the buyer from inhabiting his property. I think the owners could evict the tenant. The nephew may try to argue before a judge that the lease is lawful, but I don't think it'd fly. At that point the police could enforce an eviction notice. But no, the police will not drag him out without a judgement because that would require them to determine whether the lease is valid and that's not their job. The problem is this process would take several months at least and that's if everything goes their way.
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Feb 8, 2019 15:07
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Krispy Wafer posted:But no, the police will not drag him out without a judgement because that would require them to determine whether the lease is valid and that's not their job. Do you really want the police making judgements on civil matters? Maybe that wasn't what you meant by this, but I'm very glad it's not their job.
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Feb 8, 2019 15:55
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Motronic posted:Do you really want the police making judgements on civil matters? Well that's just it. Right now it's a civil matter. If he takes the squatter to court and gets an eviction notice then the police can enforce it. The sheriff will happily haul him out of the condo at that point. We don't want that guy who dropped out of college after 2 criminal justice classes trying to determine whether a lease is lawful or not. We probably don't want him carrying a gun either, but those are the breaks.
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Feb 8, 2019 16:04
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Krispy Wafer posted:Well that's just it. Right now it's a civil matter. If he takes the squatter to court and gets an eviction notice then the police can enforce it. The sheriff will happily haul him out of the condo at that point. The sheriff isn't "the police". It's actually their job to enforce civil judgements. It's bullshit that an obviously invalid lease establishes residency, but this pore guy is probably going to have to do a formal eviction even after he gets his judgement. And that takes forever.
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Feb 8, 2019 16:16
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GamingHyena posted:The money is going into constantly shoving food and drinks in their face every waking moment. How are they spending $250 a month on alcohol? A choose your own 6 pack is like $10, so is a decent bottle of wine. Say you bought each of those to enjoy each weekend, that's $80 a month. I don't see a babysitting expense so it's not like they're getting drinks out. I suspect someone here is an alcoholic.
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Feb 8, 2019 16:26
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If one of them drinks half of a 6-pack of craft beer every night that's easily $150/month. Same for half a bottle of $10 wine every night. You could get there even easier if you were going out to drink, but yeah that's probably not the case with kids.
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Feb 8, 2019 16:31
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Ebola Roulette posted:How are they spending $250 a month on alcohol? A choose your own 6 pack is like $10, so is a decent bottle of wine. Say you bought each of those to enjoy each weekend, that's $80 a month. I don't see a babysitting expense so it's not like they're getting drinks out. I suspect someone here is an alcoholic. A bottle of wine a day would do it, and that's only 2 drinks per adult per day.
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Feb 8, 2019 16:34
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