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AnoHito posted:Probably also spurred on by the fact that they could literally be killed. I think that would kind of make you want to get married sooner rather than later... Getting married before I risk my life in Ansbach
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Aug 13, 2018 21:44
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don't worry, if you don't get married your sweetheart can always marry your helmet at least i think that's a thing the us army does, maybe im thinking of something else
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Aug 13, 2018 21:48
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Al! posted:don't worry, if you don't get married your sweetheart can always marry your helmet Slippery slope!!!
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Aug 13, 2018 22:14
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Business Gorillas posted:I paid off my loans this year that's how i paid mine off early, years ago, except it was my mom  on a thread-related note, my chudly brother wanted to blame the ~estate tax~ for the ordinary income taxes we each had to pay on our modest inheritance (aka the money from our mom's public school teacher pension) 
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Aug 13, 2018 23:33
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VitalSigns posted:his bank started adding the maximum amount you could overdraw your account to the balance it reported to ATMs. In other words if he checked his balance at an ATM it would show him $250 more than was actually in his account. I had to read this twice.
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Aug 14, 2018 00:26
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I know people who think the younger generation are dumb because they don't know how to balance a checkbook.
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Aug 14, 2018 00:29
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PostNouveau posted:I thought you couldn't discharge student debt though? you can't it stays with you simply because you default it doesn't mean it goes away it basically means you are open to being sued for it or garnished I defaulted but ended up making an arrangement and was able to start making lower payments to prevent it from becoming a garnishment. I basically stopped paying because at the time they wanted an insane amount per month assuming that fresh out of college I was going to have a six-figure job and despite trying to go through the regular channels that allow you to reduce your payments it was so tedious that it would take me almost a year to get through the process that you have to renew yearly to get that benefit Fed loans suck is what I am saying
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Aug 14, 2018 01:39
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Charles 2 of Spain posted:I know people who think the younger generation are dumb because they don't know how to balance a checkbook. Balance sheets are a fundamental,construct of finance though?
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Aug 14, 2018 02:00
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VitalSigns posted:Oh man I just remembered my favorite lovely bank story. never use banks always use credit unions
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Aug 14, 2018 02:00
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DEEP STATE PLOT posted:never use banks always use credit unions
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Aug 14, 2018 02:05
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DEEP STATE PLOT posted:never use banks always use credit unions I’ve said this for years here and elsewhere, why does annnnyone use capital one or chase? Fooled by hook promotions and too lazy to change?
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Aug 14, 2018 02:07
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Charles 2 of Spain posted:I know people who think the younger generation are dumb because they don't know how to balance a checkbook. i dont know how to cobble either, or operate a livery 
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Aug 14, 2018 02:41
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Burt Sexual posted:I’ve said this for years here and elsewhere, why does annnnyone use capital one or chase? Fooled by hook promotions and too lazy to change? I've got a Capital One card that I do the buy candy bar -> pay off at end of month -> repeat thing but mostly only because I've had it for like 15 years so canceling it would murder my average age
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Aug 14, 2018 02:46
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for people with good credit the amazon chase is one of the best rewards cards at the moment no guesses as to how those generous benefits are paid for
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Aug 14, 2018 02:54
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got any sevens posted:i dont know how to cobble either, or operate a livery Or add and subtract simple numbers?
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Aug 14, 2018 02:58
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Bhodi posted:for people with good credit the amazon chase is one of the best rewards cards at the moment was considering that but went with store credit instead, if I'm spending for points it's going on my Southwest card for subsidized flights to visit family which is more valuable to me than store credit or whatever plus any card with elite-tier rewards, even if your credit is perfect, requires spending like 10k in 6 months for them which lmao not even close buddy My credit shot up like 250 points when I moved a ton of my old credit debt and collections accounts to a signature loan account instead. I owe exactly as much as before but it's on a different spreadsheet so obviously that makes me a superior human
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Aug 14, 2018 02:59
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there's a big difference between never before needing to balance a checkbook and being unable to comprehend the concept
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Aug 14, 2018 03:02
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Burt Sexual posted:Balance sheets are a fundamental,construct of finance though?
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Aug 14, 2018 03:44
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Epic High Five posted:I've got a Capital One card that I do the buy candy bar -> pay off at end of month -> repeat thing but mostly only because I've had it for like 15 years so canceling it would murder my average age I have an old secured card that I got when I was 21 and has a 300 dollar limit and I just donate 15 bucks to MSF every month. Charitable AND keeps my credit score healthy.
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Aug 14, 2018 04:03
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TurboFlamingChicken posted:you can't it stays with you simply because you default it doesn't mean it goes away it basically means you are open to being sued for it or garnished Oh, dude the income based repayment plan is worth the hassle. I'm paying <$200 a month
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Aug 14, 2018 04:07
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PostNouveau posted:Oh, dude the income based repayment plan is worth the hassle. I'm paying <$200 a month i hosed my wife’s nice $100 payment over by marrying her and whoops looks like you’re payin a cool grand now having a babby actually allowed them to lower and defer it somehow
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Aug 14, 2018 04:34
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PostNouveau posted:Oh, dude the income based repayment plan is worth the hassle. I'm paying <$200 a month I wish it was as easy for me. Then again, I do a shitload of subcontractor work so my income isn't as set as yours may be and that was part of the problem however now I'm in a much better situation and the payments are reasonable. Also echoing the credit union thing, they are so much better than banks in almost every way.
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Aug 14, 2018 04:42
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H.P. Hovercraft posted:i hosed my wife’s nice $100 payment over by marrying her and whoops looks like you’re payin a cool grand now Friend of mine files taxes separately from her husband so that she can keep her ultra-low payment. Not sure about the rules, but she pays less than my electric bill every month.
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Aug 14, 2018 04:45
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My credit union (and I assume most credit unions) makes deals with other credit unions in the area and allow each other's customers to use their ATMs for free. You just have to know the locations, and if you're lucky then you won't have to drive too far in comparison to the surrounding bank ATMs. I am lucky.
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Aug 14, 2018 05:01
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Joe Mama Poonana posted:My credit union (and I assume most credit unions) makes deals with other credit unions in the area and allow each other's customers to use their ATMs for free. You just have to know the locations, and if you're lucky then you won't have to drive too far in comparison to the surrounding bank ATMs. I am lucky. my cu is linked to the local school district and there are an absolute poo poo load of atms for them
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Aug 14, 2018 07:49
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cumshitter posted:i worked in extremely predatory lending and sometimes i would see people submitting superfluous documentation and all sorts of weird poo poo. like i remember a pre-paid debit/credit card called Scott Card or something. sometimes id look up these weird little banks operating next to a hot dog on a stick at the mall when i was bored and the "debit cards for people blacklisted from normal banks" all had gently caress-you-over-a-barrell terms Is it charging 2 dollars to pay off your bill?
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Aug 14, 2018 08:24
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Nah it's $2 if you want to use the card to send a check to another place to pay like your electric bill
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Aug 14, 2018 09:22
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I can use all ATMs in like 25 different countries and not get charged a thing extra, get on the EU level scrubs
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Aug 14, 2018 09:56
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lol at how doomsday economics this thread got jfc americans get so hosed over its incredible
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Aug 14, 2018 10:03
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lol at America still using cheques
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Aug 14, 2018 10:07
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Doctor Spaceman posted:lol at America
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Aug 14, 2018 10:19
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Syncopated posted:I can use all ATMs in like 25 different countries and not get charged a thing extra, get on the EU level scrubs we will never get on the EU's level, because our extremely similar populations, demographic and physical distribution, and landmass size are actually extremely different, and therefore anything that works over there will never work here because we're Exceptional
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Aug 14, 2018 10:24
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Doctor Spaceman posted:lol at America still using cheques AND balances.
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Aug 14, 2018 10:33
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no balances only cheques 
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Aug 14, 2018 10:36
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WeAreTheRomans posted:As a European, they don't do this, because we have at least the appearance of financial regulation (at the consumer level anyway). You also don't get charged for withdrawals from any ATM unless you have some extremely poo poo account Well there are some private cash machines in the UK - these tend to be small stand-alone ones which are usually inside shops etc. rather than a "proper" ATM built into a wall, and they sometimes charge you £2-3 for withdrawals (though viewing balance is free). They're somewhat rare though and they have to tell you on the screen "You will be charged £x.xx for this withdrawal, continue?".
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Aug 14, 2018 11:00
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They only tend to be in low income areas though, where fewer people have access to transport, and coincidentally located right next to a bunch of businesses that don't take card payments. Being poor is loving expensive.
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Aug 14, 2018 11:55
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I've personally mostly seen them at petrol stations and such where the banks might not be bothered about putting a real ATM in but the place wants to provide a service (and make a bit of cash) anyway. What you say may also be true. Checking account balance is always free though.
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Aug 14, 2018 13:26
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Truga posted:no balances
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Aug 14, 2018 13:54
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Dixie Cretin Seaman posted:that's how i paid mine off early, years ago, except it was my mom every time I see an online discussion of the estate tax at least 20% of the comments are people that are convinced they’re going to have to pay estate taxes on grandmas $1400 Hummel collection when they inherit it. Burt Sexual posted:I’ve said this for years here and elsewhere, why does annnnyone use capital one or chase? Fooled by hook promotions and too lazy to change? I had a $500 limit capital one card when I had lovely credit in college and they’ve never once raised the limit in the 12 years since. Like my discover card has now gone from $2000 to $30000 but the capital one just sits there at $500 because their entire business model is low limits and high overdraft charges. I don’t use it but I also haven’t closed it because there’s no real reason to since there’s no annual fee and since it’s my oldest account closing it will hurt my credit score.
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Aug 14, 2018 14:51
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| # ? May 25, 2024 00:54 |
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Millennial: "Whatchu doing?" Boomer: "Balancing my checkbook, how did you not learn this in school?" Millennial: "Where's your budget?" Boomer: *points at last balance*
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Aug 14, 2018 21:51
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