Bad With Money 2018: When I die, bury me in the blockchain.

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad With Money 2018: When I die, bury me in the blockchain.

Zamujasa: Oct 27, 2010; Bread Liar

Slot machines at least have a chance of paying out.

Small story: Roommate and friend co-bought an arcade cabinet with me. Not BWM, the cabinet was nice and a good deal. The BWM part was that he decided to try "fixing" the monitor by using percussive maintenance, and ended up damaging it further. Because he was a dumb dumb he'll be paying the $100+ to have it repaired.

Don't fix what ain't broke.

# ¿ May 3, 2017 07:03

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# ¿ Apr 28, 2024 22:00

Zamujasa: Oct 27, 2010; Bread Liar

Tiny Brontosaurus posted:

You can always rely on family:
My father stole my identity, now I owe 9k in taxes

GWM is apparently having kids and then using them for identity theft, given how many absolutely refuse to actually do anything about it. And holy poo poo, signing over power of attorney to the very people who already abused your identity :stare:

As for forums BWM, you don't even need to provide a fraudulent gift card for the scam now.

# ¿ May 3, 2017 18:49

Zamujasa: Oct 27, 2010; Bread Liar

Maybe something more like the general dumb with money will help:

quote:

I got scammed out of $1000 dollars from a fake ebay ad on craigslist and i'm broke. (self.personalfinance)

All in all it was a cash deal that went wrong and the FBI has been involved and they said i'm not getting my cash back. I don't have to pay any bills thankfully, but what the hell do I do now PF? Is there anyone to tell or inform of?

# ¿ May 12, 2017 01:14

Zamujasa: Oct 27, 2010; Bread Liar

Apologies if this made its way over already, but here's some BWM mixed with schadenfreude:

quote:

Sat down on my friend's macbook and broke it

I had some of my friends over at my house and one of my friends invited one of her other friends to come over. She had her MacBook on my couch when I sat on it and broke it. Since it was completely my fault I offered to pay her the money for it and she agreed. She got it 3 years ago and it cost 2200 dollars at the time. I told her I'd wire you the money in a week to her bank account.

She's now emailed me saying that as per our conversation she's expecting the 2700 that I have agreed for!!!! I didn't know why she added the extra money so I got her number from my friend and called her to find her telling me she's now expecting me to pay for her new upgraded MacBook since she was "upgrading anyway". She said if I don't agree to do that she'll be suing me in small claims court. Can a judge agree to that?

Should I wire her the $2,200 or should I just tell her go sue me?

Offered sticker price on a 3-year-old laptop -- with estimated repair costs of $300 -- and then turning up the greed and asking for even more?

Nope:

quote:

[Super Awesome Update]

I never thought this would turn out the way it did and I really felt like I learned so much stuff in the process thanks to all of you. Here is my previous question.

I went through every single comment from the 200+ ones and I sincerely thank each and every one of you.

I did some research specifically for repairing the screen for the macbook and for her particular model it�s around 310 for the screen + the labor cost so I wrote her back saying that since she didn't accept my initial offer of $2200, I�m withdrawing that offer, and offering to pay for the repair cost. She sent me an email calling me a bitch and that she�s going to take me to court.

I got served a few days later and went to court. I told the judge I gave her three options to choose from. 1) either to write her a check for a brand new one which was 2200 dollars. 2) Get her a refurbished one from apple or a third party or even used which would be around 1400 dollars or 3) fix her current MacBook since the screen is the only thing affected here and it would cost around 300 dollars plus money for labor. (I printed out the email I sent her and the mail she sent back refusing demanding the 2700 and calling me a bitch and saying we�ll go to court + screenshots for the price quotes from different websites for a new/refurbished and the screen fix for her particular model) and gave it to the judge. I also told him that when I offered at the very beginning to get her a new one from the apple store she said no I want the money in cash. When I told her I�d give her 2200 for a new one she said okay but later came asking for 2700 because she wants to upgrade. I tried to show him how it's clearly visible that she's trying to take advantage of me.

She gave the judge an attitude almost the whole time which really pissed the judge off and helped my case I guess. After listening to both of us he ruled that I pay 50% of the repair cost since she negligently left her laptop on the couch. So I'll only be paying not more than 200-250 dollars for the whole thing.

If it weren�t for you guys I would�ve paid $2,200 dollars instead of around $200 and I honestly loved her look at the end as we walked out.

I feel good for following all the advice here.

# ¿ Jun 7, 2017 02:35

Zamujasa: Oct 27, 2010; Bread Liar

Bad With Funny Money 3.0: My money just vanished into the ether

# ¿ Jun 23, 2017 02:30

Zamujasa: Oct 27, 2010; Bread Liar

With that interest rate and monthly payment, that's about $46,000 in total. Literally 33% of the actual loan paid back in interest. :stare:

# ¿ Oct 6, 2017 20:50

Zamujasa: Oct 27, 2010; Bread Liar

Store credit cards aren't limited to the store they're branded as, they're usually just rebranded major credit cards with a "perk" thrown in for the related business.

# ¿ May 11, 2018 21:15

Zamujasa: Oct 27, 2010; Bread Liar

It Came From Reddit:

quote:

I'll try to make this as straightforward as possible:

**DEBT:** $82,000 (credit cards, car loans, etc)

**SAVINGS:** $35,000

My monthly take-home is $8000 and I'd like to purchase a house within the next year. Is it better for me to:

A) Pay down the debt as much as I can prior to getting pre-approved, while keeping a sizable savings?

**OR**

B) Dump most savings into debt (leaving just auto loans) and keeping just enough to barely cover closing costs?

Thanks in advance to any and all who respond. If you have any questions, please feel free to ask.

$47K underwater, sure, let's go buy a house!

A commenter posted:

You debt is...most likely...costing you way more in interest every month than that $35K is making you in savings. I'd pay off the high interest debt with that savings. Though, I have to wonder how someone bringing in $8K/month has any credit card debt at all. You make far too much to be paying credit card interest.

The OP posted:

I don't pay credit card interest, but I do have $15k on a card that I pay $1500 on a month to pay it off before the 0% interest expires.

I have a debt consolidation loan (6.71%) and auto loans (4.99%).

Aren't debt consolidation loans a good sign that someone has no clue what the gently caress they're doing finance wise?

E: :lol:

I missed this one:

The OP posted:

credit card: $15k

auto 1: $32k

auto 2: $8k

debt loan: $23k

Two car loans! :2bong:

Zamujasa fucked around with this message at 18:37 on Jul 13, 2018

# ¿ Jul 13, 2018 18:34

Zamujasa: Oct 27, 2010; Bread Liar

Krispy Wafer posted:

Please tell me his username is a nod to someone famous or notable that he admires and not the real name of the man who just admitted to committing a boatload of tax fraud on the internet?

Also, the IRS gives rats a cut of their take right?

That person's account looks real legit:

# ¿ Jul 13, 2018 21:01

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# ¿ Apr 28, 2024 22:00

Zamujasa: Oct 27, 2010; Bread Liar

gvibes posted:

I joined a facebook group for buying and selling wakeboard boats. There is some serious BWM there (even beyond the basic BWM associated with owning a boat). 15-20 year loans at 6% with only 10% down. For a boat.

Which ends up underwater faster, the loan or the boat

# ¿ Jul 13, 2018 22:23

The Something Awful Forums > Discussion > Ask/Tell > Business, Finance, and Careers > Bad With Money 2018: When I die, bury me in the blockchain.