KYOON GRIFFEY JR posted:

in the ultimate irony horses become GWM

EAT FASTER!!!!!! posted:

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.

Blinkman987 posted:

Is telling your family that your entire lottery fortune goes to charity upon death GWL?

r/personalfinance posted:

Parents in 50s, signed a 30 year 500k mortgage, 100k in debt, help?

Both of my parents are in their 50s - mom 52, dad 55. Before I went to college, we had a home in the suburbs of DC. It wasn't the biggest or nicest home, but it was perfect for our family of 6. My dad has a nice government job and makes well over 100k a year. However, my mom is quite the spender, so we never really enjoyed any of it. They have 0 savings, and didn't save anything for me to go to college. Did it all on loans.

While I'm in college (2k miles away), my parents make the decision to build a new home on a piece of property in an expensive part of town. They build a giant house costing 500k, borrow 60k to build a sewer line to said house, borrow 10k for nice cabinets, and then finally borrow an additional 30k for a brand new minivan. 20k in additional debt from who knows what.

Their original plan was to split the piece of property and sell it, using the proceeds to settle their debt. However, FHA only allowed them to use half the proceeds (about 50k) to settle debt... The rest going to the mortgage. So, about 50k in high interest debt, 450k in a 30 year mortgage... they'll be working until they die.

I love them very much, but they are obviously very bad with financial decisions. I have a job lined up so I'm not too worried, but I worry for my younger brothers who are still living with them. What should they do? I think selling the house at this point would be the best idea, but they probably couldn't recoop their entire investment. It's a big house, but everything in it is cheap due to their budget constraints (laminate floors, vinyl siding, cardboard doors). It's also pretty beat up because of the 3 boys living at home.

---

They sold our old home and made nothing off it (sold it less than buy value). Bought the new piece of land for 200k, built the house for 300kish. Split the land in two, sold the unoccupied portion for about 100k.

I have no idea. It's a nice area, so I'd assume maybe 600k? The house itself is not very nice though, they didn't have enough money to build a driveway or any other external features - it's literally a house in the middle of a dirt lot.

pr0zac posted:

Most things die if you cook them with or without teflon products.

pig slut lisa posted:

Yeah, the more I've thought about this the more I've moved from thinking he's BWM to thinking he needs some sort of intervention and support.

OctaviusBeaver posted:

From that article

quote:

Julian had just finished his PhD in education and was teaching part-time at Humber; I was an editor for the Food Network’s website and preparing to go on maternity leave. 
... 
Our budget was $560,000 

Barry posted:

Paying for lawn service when you have 4 children, lol

Leon Trotsky 2012 posted:

quote:

He flipped out the other day because some suits or whatever for the groomsmen came and it almost had the fabric he chose (like literally exact color, texture, whatever) but slightly thinner and my fiance wouldn't have it. So he's like legit having a meltdown on the phone with the lady who sent the stuff saying that he wanted what he chose because he's spending a ton of money and on and on.

Solice Kirsk posted:

Are you able to just buy into and out of Ethereum? If it's guaranteed liquid and able to be converted to actual cash with in a business day or something I would consider tossing some throw away money at it. Like if there was ever a cryptocurrency ETF or something I could justify buying into it for a short term investment.

Motronic posted:

No withdrawal. Limits!

EugeneJ posted:

My co-worker pays $70/month on a T-Mobile plan plus like $10/month for the Jump Plan (every 6 months you can trade in your leased phone for a newer leased phone) and $10/month for AppleCare

$1080/year for a phone

EugeneJ posted:

No I missed that part - it's $70/month for service, $30/month for the lease, and $15/month for the Jump Plan and AppleCare

So it's actually $1380/year for the phone with service, and the contract's for 2 years to pay off the lease

John Smith posted:

Have you thought that maybe it isn't so much me wanting to start poo poo as SA being such an echo chamber that opposing viewpoints have become starting poo poo?

Tiny Brontosaurus posted:

tastefully arranged labia posted:

I only read this thread but thought this might be appreciated

monster on a stick posted:

Eh, no, you can set up your rent and car payments to use automatic bill pay (which is a debit transaction if set up through your bank) and I've heard a lot of landlords are now taking credit cards (which means debit cards as well), judging from the people I know who don't seem to recall the last time they used a check.

I also wonder if that Vice article looked into how much the participants in the class action suit actually received once the legal fees were deducted. Unless you are lead plaintiff you usually get squat. They may be better off suing in small claims court.

monster on a stick posted:

It isn't much of a deterrent since companies still do poo poo that ends up with a class action suit, and making people whole should be one of the goals. From the perspective of the poor person, they got ripped off by both the banks and the class action lawyers. There is a simple solution, make sure the settlement makes everyone whole. That may bankrupt a bank or two but that will create a much stronger incentive not to pull poo poo like this.

monster on a stick posted:

You can allow flexibility in the judgment. But I haven't heard of a class action that resulted in anyone but the lead plaintiff and legal team getting anything other than peanuts. You can tell the poor person who got screwed "see, it's about sending a message" but they are still out $100 minus the 50 cents they got from the settlement.

So in the ordering case, you can run the numbers, see what the customers would have paid with whatever ordering the court finds that the banks should have had, and order that be restitution. The victims would still be out at least one overdraft charge, which is fine if they did overdraft their account.

Solice Kirsk posted:

That one has speed holes.

curufinor posted:

The red ones go fasta

On that subject, I've been looking for wh40k bwm and finding it difficult to find. There's a goddamn figurine on the GW site going for 1.5 grand, there has GOT to be bwm stories

Foma posted:

You shouldn't use your work phone to call an escort service, but why the hell would/should an employer care?

Weatherman posted:

https://www.reddit.com/r/legaladvice/comments/6oz2km/hoa_please_help/ posted:

I'm still livid from this and I will be speaking to an attorney this week but I just wanted to get this all down in writing because I still can't believe it actually happened.

So I (single male early 30's) bought a house in a neighborhood outside of a large city in TN. I moved in about 6 months ago. I got a job here and after around 2 years of living in an apartment, I wanted to get a house because my employer made a long term path clear to me. However, I think I may have been too quick to buy. My brother in law is from the area and was helping me find a place and he really convinced me to get this house and I pulled the trigger. This is mostly useless info, but some background might be helpful because -

This home was in a HOA. Honestly, the president of the group met with me when I was talking with the realtor and told me how the dues help to keep the communal small park area clean and they also act as a neutral party for neighbor disputes so I thought it sounded great. The dues were low and the house/neighborhood was great. She sent some paperwork when I bought the house, and I signed.

After this, my job got much more busy and I had to work 60-ish hour weeks. On Saturday's I would invite some work friends over and we would have a BBQ in my yard and watch some shows. This was a dream come true for me. I always wanted to own my own place and just be able to be my own landlord.

A few weeks ago I received a letter from the HOA president I spoke to saying that there were multiple complaints of noise "after a reasonable hour" from my home. I honestly thought that was fair so I moved my get-togethers inside and thought it was the end of it.

HOWEVER - yesterday. The HOA president sent me an email saying that my home was ready to be sold. As in she said in the email "Your home has found a buyer and we look forward to you accepting the offer". She immediately sent a second email from a realty company with the further info about the offer on my home. I checked that realtors website and there are pictures of my home with all of my things inside of it. Someone had been in my home when I was not here and took pictures. What the absolute poo poo.

I emailed her back immediately because it was obvious she came into my home, but how? And she said this: "In the HOA agreement you signed, a concerned neighbor may enter your home if there is a risk of harm, or if it might be in the interest of the neighborhood itself". I wish I was making this up. She then said "Because of your repeated noise violations it was in our best interest to facilitate selling your home."

I don't even know where to begin. Did she do something illegal even if it was in the agreement? I know I should have not signed this and it was stupid. But she was obviously just helping herself inside my home for weeks and I just feel like that cannot be right.

Woof Blitzer posted:

Bird

ate all the Oreos posted:

That's not the right bird

Hoodwinker posted:

Even if it wasn't notarized yet, I believe all contract amendments have to be dated and initialed in order to be valid. Otherwise people could just cross poo poo out and say it was the other person (exactly like this). If they do this and forge that person's initials, then it becomes fraud.

brugroffil posted:

A Canadian judge turned a sovcit ruling into a treatise on all of their bullshit for future reference in case anyone's interested. Since the US is the world's exporter for this insanity to other countries with legal systems based on British law (mainly Canada and the UK), much of it applies here too.

https://www.canlii.org/en/ab/abqb/doc/2012/2012abqb571/2012abqb571.html

Barry posted:

https://www.reddit.com/r/personalfinance/comments/6tx8rc/im_broke_all_my_credit_cards_are_maxed_and_i_have/


Nice

Subjunctive posted:

Yeah, that sucks. There are other places that provide certificates of origin, though.

Folly posted:

I thought it was for signaling. You had to prove to her (or her father) that you could provide. Like how pre-FDIC bank buildings had gorgeous constuction.