a dead man posted:

I graduated from a medical school in the Caribbean last year, and was unable to match into a residency. As you might know, you are unable to practice medicine if you can't get into a residency. So my degree is completely useless. That's all my fault

Now the finance part. The principal amount of my loan is nearly $260k with 6.25% interest. I haven't built up the courage to calculate exactly what the interest will be. But I can estimate that it'll be paying more than $550-600k throughout the lifetime of the loan.

I'm waiting tables right now to put food on my table (well, center console, since I'm living out of my car) and I have a 5 year gap on my resume due to medical school. So realistically speaking, I won't be making more than $20 an hour for the next few years.

My loan payments are deferred until this August.

I obviously can't come close to making the payments without a doctor's salary. Do I move out of the country? Can I join the military? I'm pretty sure I can't file for bankruptcy. I have no assets besides my car, my dog, and a gun, total value of maybe $2000 (dog isn't for sale). What happens now?

Virtue posted:

More importantly how terrible do you have to be to not get a match with any program? And yes I know the stigma of Caribbean grads is those who got rejected in the states

GoGoGadgetChris posted:

Where the gently caress is the rule about Hawaiian Shirt Fridays

Luigi Thirty posted:

That's not what these schools are for and you can't practice in the US or Canada without training there. According to this article from February, 94% of US med school graduates match while 54% of Caribbean med school graduates match. They're everything bad about those for-profit technical schools times ten: they take students American schools reject, charge them out the rear end, and dump them with a degree they can't use.

xsf421 posted:

Because their entire industry is built around fleecing Americans who didn't get into med school in the US.

e: From 2013-2014: https://www.washingtonpost.com/news...m=.723627898b49

Inept posted:

Keep in mind these mystery boxes cost $30:

Hoodwinker posted:

I know you can order boxes with meal assembly ingredients in them, but how lovely would it be to order from a service that just gave you a random assortment of food?

"My box came with a jar of minced garlic, seven tangerines, an unlabeled can, a single chicken thigh, and three thawed freezepops."

This is my original idea please do not steal. There's somebody that would actually buy this.

FrozenVent posted:

Jesus gently caress https://boxes.hellosubscription.com/subscription-box/period-club/

What is wrong with this world.

Jack2142 posted:

To be fair she already made the questionable choice of having a kid in her teens if they are going to college and shes in her mid thirties.

Jack2142 posted:

My bad, I misread the ages on that also yes that was a dick move.

I am too also just baffled on the turning down the money, if you needed that $8000 you could have covered a decent chunk of that by just continuing to work for the two months needed, and honestly there are few times when its a good idea to say this... probably better off just using a credit card to cover the difference than kill that Pension.

Fitzy Fitz posted:

There is too much here.

OP's excuses for not getting a job.

His mother is a shut-in.

His sisters living with their grandfather in a 5000 sq ft house.

"All in all I am self-sufficient" from the guy who lives with his parents and has no job.

OP's father ruins the entire family's livelihood by looking at child porn. OP says in a reply "You can always rely on family. I'm sorry but you can." And also "he's a great man and best father I could ever have gotten."

"All of this is not really my problem. I could move out today and take care of myself just fine." He ponders getting a job at Lowe's or Home Depot despite having two college degrees.

a guy who is extremely hosed posted:

Hi, as the title says, my father used my identity to generate a revenue of $29,000 by the end of 2013 selling on eBay. I did not report this when I filed taxes the following year as I was unaware. This year, the refund I was expecting was applied to "a past due tax obligation" -- the amount I ought to have paid in taxes for 2013. Even after the refund has been applied, I am being told by the IRS that I still owe $9,000. Two days ago, I received from the IRS via certified mail a "Notice of Intent to seize (levy) your property or rights to property." I do not have property, but I believe this also translates to wage garnishment and possibly freezing my bank accounts.

My mother insists on getting this resolved for me as she and my father have incurred this debt. She has a box of receipts from sales in 2013 that should essentially show that zero profit was made. When she consulted her tax guy, he said they could amend my 2014 tax filing. She forwarded me a power of attorney to sign so that he could discuss/handle the matter with the IRS on my behalf. It has been about 1.5-2 months since then and I still have no idea whether or how this matter is going to get resolved. The last time she and her tax guy spoke, he advised that I send senator Marco Rubio's office (I am in Florida) a letter asking that they get the debt forgiven. Is this even possible? That action was taken and I haven't heard back from his office.

I am not sure what to do at this point and am seeking some advice on steps I need to take. Frankly, my mother acting as a middleman between me and this tax guy I've never met who doesn't seem to get results is making me extremely uncomfortable. With the threat of having my property seized, I believe action must be taken right now. I do not want to take legal action against my parents so what should I do?

Leon Trotsky 2012 posted:

They used to have Home Economics that included things like balancing a checkbook and whatnot.

It was not especially useful because 16-year olds didn't pay attention and the ones that did forgot by the time they were required to do it 3 or 4 years later.

baquerd posted:

Edit: remembered new rules

ate all the Oreos posted:

No I'm pretty sure you got it on the first try right there actually.

Hoodwinker posted:

It's actually German so it's really, "Pew The Pie."

monster on a stick posted:

Well, here's a possible update: https://www.reddit.com/r/legaladvice/comments/699gan/my_brother_killed_himself_what_happens_to_his/

a reply in that thread posted:

PNC is a bank headquartered in Pittsburgh, PA. According to their website, "Outstanding debt will be forgiven upon the death of the borrower."

curufinor posted:

There's a review by Gabriex or someone like that floating about poking at positive feedback effects. There are no markets without positive feedback effects including labor market, so it's all a power law (the exponents are different). General property of information processing dealios. Your dns cache will have positive feedback power laws in it, same deal with contract sizes, war sizes, etc etc

You can have equality if your market doesn't process any info

potatoducks posted:

Wait these sound great.

potatoducks posted:

Yeah #1 just too selfish to care much about compared to increased ease of parking. #4 maybe but at some point there will be enough lanes to fit all the people in the world and life will be great. Maybe when flying cars come and we have sky lanes. Also, I think the title of the article is misleading. I think the study found that traffic actually stayed the same, not increased.


Guilty for sure. But I think more than half of Americans live in suburbs so

Leon Trotsky 2012 posted:

Just gonna post the title for this one.

22 Eargesplitten posted:

The documentary "Death Wish" would disagree

My city is trying to be more bicycle friendly. They're also investing a lot of money into improving their dismal public transportation. The result: a bus line whose main intention is getting people downtown. This bus line goes up and down one street. It's very easy to be 2.5-3 miles from the nearest stop. Especially if you're living in the poor areas which are some of the farthest from there.



That same reason is why their attempts to make downtown more bike friendly at the expense of parking are stupid. I'm not biking 6 miles each way from my old place, no matter how nice you make the bike lanes.

Jeffrey of YOSPOS posted:

6 miles is like, a 30 minute bike ride, assuming it's not super hilly or whatever. That's...really not bad and when I lived in a hellish "car city" it was pretty common that I'd have to drive for 30 minutes to get somewhere because of all the traffic lights.

22 Eargesplitten posted:

Is that park your car and ride the bus? I think there's a couple of those, but it still doesn't address that it serves such a tiny area.

12mph is a pretty good clip on a bike. 30 minutes by car is more like 10+ miles here.

Other relevant fact I didn't mention. I'm in Colorado at the foot of the mountains. So there's elevation, elevation change, and dryness to deal with. If you're at sea level you have 20% more oxygen than you do up here.

Ixian posted:

He types well, uses complete sentences, good paragraph breaks, and a straightforward narrative. Quite a contrast to what an utter and complete moron he is.

There is surely more to this story, probably involving an unacknowledged major crush on the girl, but....wow.

Randler posted:

That doesn't sound far-fetched to me. I once saw a victim of a Nigerian scam that explicitly mentioned the lawyer managing the (supposed) estate had actually put in some money for the transfer fees as well, so it couldn't possibly be a scam.

lampey posted:

Lululemon is an upscale athletic wear company owned by gap, like the banana republic of running clothes.

Lularoe is a pyramid scheme. It has all the common scams. Selling the product is a waste of time because it is overpriced. The success stories and testimonials are fake. It works by selling a starter set of 350 to 400 pieces of clothing for about $5000 with the idea that it will sell for $10000 or more based on the unrealistic notion that you can sell each legging for over 30. But most are sold for 20 or less. Very few people will even break even selling the clothes. But all of the incentives are to recruit more people to buy their own starter set. And now they are competing with you, and you can't return unsold merchandise. And now there are a lot of people who realized it is not worth their time and they are selling for less than it cost them, just to get back some of their money.

Vox Nihili posted:

That's the worst case scenario. But it's also possible that you will be on the top of the stack for a hiring process that hasn't yet started, or that they are keeping their eyes open for talent even though they don't have a formal opening. In some industries, positions aren't always listed and are otherwise filled by recruiters, but there's really no industry where asking about potential openings is going to hurt you.

Vox Nihili posted:

No one gets blacklisted by politely asking about openings, that's insane. Goons are so goddamn terrified of human interaction.

22 Eargesplitten posted:

Anyone who blacklists you for asking once is going to be unpleasant to work with anyway.

AreWeDrunkYet posted:

I've never seen a company do that. It wouldn't be surprising if they just said "no" and let the offer stand at the original salary (and moved on to the next choice if he said no), but moving on from what was presumably their first choice because he deigned to ask for more money is ridiculous on their part.

Jeffrey of YOSPOS posted:

If you truly need the first job that comes your way, trying to negotiate does carry some risk that you have to estimate, and it's certainly higher for women and minorities. That said, negotiating is still going to have better results on average than not doing so - it's only the worst case where it's truly worse.

GoGoGadgetChris posted:

Inept posted:

student loans ($400k combined)

crazysim posted:

That's edited.

GoGoGadgetChris posted:

I always assumed they were untouchable for this. How would you prove that they received applications from a diverse pool of genders/races but only considered white males?

If they were sued would they have to produce all the applications they received? And then produce the applications that they moved forward with? What would be the metric used to determine guilt? Indicating that 30% of the applications were female but the interviews were only 10% female?

canyoneer posted:

Not only did mom steal from her kids, she spent it on "alternative medicine" magic beans

22 Eargesplitten posted:

Wait, you can't ask where they live? Like, not even what town?

EAT FASTER!!!!!! posted:

According to Title 7 of the CRA of 1964, federally protected classes include race, color, religion, sex and national origin. Age and disability were specifically added by later individual statutes. Some states add language specifically relating to sexual orientation/gender status. You're also protected from discrimination on the basis of family responsibilities because of the equal pay amendment.

Unless you can make the case that your status is a protected class of the variety discussed above (I'm looking at you, poverty), it's not illegal for employers to discriminate against you. Felons, for instance, aren't a "protected class" from discrimination so long as you're not ALSO specifically discriminating by race (or some wonky state law prevents discrimination by felony status).

I can ask you how you got to the interview, and then when you tell me you don't have a car and have to take the bus every day, make the decision not to hire you on that basis. I can ask where you live and make the decision not to hire you on that basis, provided my decision can't be framed as being explicitly racist.

This bullshit about "can't ask about whether I live or have a car" has literally no basis in reality, and people are readily discriminated against for socioeconomic status every single day with zero legal ramifications.

Sex? National origin? You have a case, and a discrimination attorney will HAPPILY dive in.

Ornamented Death posted:

Ok then how did you do in the settlement for the lawsuit you obviously filed against that interviewer, since they were so obviously breaking the law?

Tiny Brontosaurus posted:

Formal hiring bias studies frequently use fake resumes with similar qualifications, to see if resumes with ethnic or female names, or experience that indicates minority status (volunteering with your local mosque, etc), get weeded out. They always do.

To investigate a specific company the methods would depend on the resources available and the scale of the investigation. You can subpoena applications, and also interview hiring managers under oath. In this case someone asked a blatantly illegal question in front of witnesses, so it would be pretty cut-and-dried if the victim had the means to pursue it and wouldn't face repercussions for doing so. Unfortunately that's not the world we live in.

ranbo das posted:

I find it hard to believe that they can't ask you if you rent or own because I know for a fact companies have different relocation packages based on whether you rent or own, and that said question comes up pre-offer and even pre-face to face interview.