Leon Trotsky 2012 posted:

Cyrano4747 posted:

Now that I think about it, would the marriage even kill off the parental connection as far as FASFA is concerned? It's loving HARD to get them to accept that your parents aren't going to pay for your school.

Cyrano4747 posted:

the bwm is not just subtracting negative values.

DACK FAYDEN posted:

I interpreted that as "unlike Topps, the MLB itself has a stake in Fanatics" - so it's not money from nowhere but instead just the MLB moving to capture the revenue that Topps previously was soaking up.

...is that not the case? I bet it's not. That would make sense.

Anne Whateley posted:

Teenage emancipation is much much harder to qualify for than marriage. They are correct that by being married, they are automatically independent, period.

Pretty much the only question is how their state handles marital debt and whether a prenup would be a good idea.

quote:

At the dawn of the nineteenth century, France was a country held together by chains of credit and debt that bound workers to employers and producers to consumers. Peasants strained under hefty mortgages. Merchants relied on promissory notes and bills of exchange to buy and sell. Aristocrats ran up bills with their tailors and booters. Workers hocked their meager possessions at municipal pawnshops. Thousands of people were incarcerated each year when they couldn’t pay up, held at the private request of their creditors. Thousands more filed for bankruptcy before the nation’s commercial courts, undergoing a process fraught with social and legal dishonor.

quote:

Historians of credit have argued that its logic was not entirely, or even primarily, financial. Laurence Fontaine, for instance, has described early modern credit as a “moral economy”, meaning that it relied on highly personal judgements of character. Relations of credit were relations of power. In French eighteenth-century aristocratic culture, as historian Clare Crowston has argued, credit operated according to an “economy of regard” in which the very word “credit” more frequently referred to status or reputation than it did to a monetary transaction.

quote:

Fundamental to this “art of making debts” was mastery of the “promenade” or “run around”. As Jacques-Gilbert Ymbert explained in his 1824 L’art de promener ses créanciers, “the goal of the promenade is to bore the creditor, to bring him to such a state of fatigue and annoyance that, out of breath, spent, and under pressure, he at last despairs of his repayment and renounces the pursuit”. The full run-around often took years, and the process entailed careful preparation on the part of debtors. They were encouraged to rent top-floor apartments with windows facing the street (“a creditor who has breached five flights of stairs arrives at your door tired, out of breath: it’s not money he needs, it’s a chair”) and to furnish their living quarters with strange and eccentric devices, preferably new technologies, that would divert the attention of a visiting creditor away from financial matters. More drastically, the manuals proposed changes of physical appearance. Recommendations included wigs, beards, fake noses, various forms of disfigurement, extreme weight gain and weight loss, even diseases.

Patience was the true secret to a successful “promenade”. Ymbert drew up a helpful table, for debtors to memorize “like the Pythagorean theorem”, that provided a scientific estimate of how long a promenade would have to be (in years and in distance) to satisfy a given creditor, as well as how many pairs of shoes a creditor would wear out in the process.

quote:

Writers cautioned debtors to avoid chance encounters with their creditors at all costs. As Ymbert explained, the result of meeting a creditor in the street could be catastrophic: "It erases the effects of six months of promenade and gives the debt all the freshness that it had lost . . . Naked, exposed to the reproaches of your creditor . . . you stutter, you make promises. Your creditor’s strength grows from your weakness, and he is reborn, throwing himself at you with all the energy he had lost."

quote:

Debtors’ manuals were avowedly designed not for the “general population who makes debts left and right”, but rather for the “proper gentleman” (an homme comme il faut). In L'art de faire des dettes, Ymbert described this figure as a dispossessed aristocrat. As victims of the nation’s turbulent decades, they were entitled to a certain standard of luxury as their birthright. “You were brought up to occupy a certain position in society”, Ymbert assured his readers, “unforeseeable circumstances have knocked you out of it. But your parents still invested a lot in you to prepare you for the state of a proper gentlemen . . . your person remains your capital”. Such pesky problems as utter insolvency should not keep a gentleman from the lifestyle that “society and civilization owe (him)”.

... Debtors were encouraged to consistently patronize the finest jewelers, tailors, cobblers, and restaurants. Not only was the quality of their goods superior, Ymbert claimed, but in taking from those “who already had” one helped “restore equilibrium” between those who had “too much” and those who had “not enough”. Above all, however, at such places the fashionable gentleman would in fact reimburse his debt several times over by inspiring others, through his example, to pay for the products that he himself consumed on credit. He would “tie his cravat like an angel and thus push our muslin industry to its highest degree”. And, taking breakfast at a café, he would make it fashionable by his very presence, inspiring a desire to spend money on exotic delicacies by “eating with contagious grace”. The debtor was, in short, an early nineteenth-century influencer who would use his charisma to increase consumption and satisfy his debts without “spending a dime”.

rufius posted:

Wait - so if the magic switch is marriage. Can they get married and then divorced a year later and they’re still “independent”?

snailshell posted:

quote:

Debtors’ manuals were avowedly designed not for the “general population who makes debts left and right”, but rather for the “proper gentleman” (an homme comme il faut). In L'art de faire des dettes, Ymbert described this figure as a dispossessed aristocrat. As victims of the nation’s turbulent decades, they were entitled to a certain standard of luxury as their birthright. “You were brought up to occupy a certain position in society”, Ymbert assured his readers, “unforeseeable circumstances have knocked you out of it. But your parents still invested a lot in you to prepare you for the state of a proper gentlemen . . . your person remains your capital”. Such pesky problems as utter insolvency should not keep a gentleman from the lifestyle that “society and civilization owe (him)”.

GhostofJohnMuir posted:

in college i knew someone who had parents that refused to pay a cent towards college expenses, but also refused to take the time necessary to go through the fafsa paperwork to prove they weren't going to pay a cent. so she married someone she met in her freshman year explicitly to get better financial aid

they're still married though, so anyone considering this strategy should keep in mind how sticky even a marriage of convenience can be

quote:

I made a stupid stupid decision to trade in my old vehicle for a new 2020 Jeep Gladiator last year... I had a well paying job/business ownership at that time with the hopes to make dividends to pay it off quickly. That changed dramatically earlier this year when I lost my job and the business failed. I am now stuck with this truck payment of $713/month that I hate paying so much for. I tried carvana to see if I could trade it in but their site requires me to not only list my truck as a trade in but also forces me to put down $13,000 in cash as a down payment.

Would the dealership offer me a better situation or am I Stuck with the truck until I reach the KBB appraisal of $30,000?

quote:

I normally realllly try to google things before asking here, but I’ve no clue where to start on this one.

I bought my first house in NOV 2019. I was engaged at the time, but was also in a position to buy it myself + she wouldn’t qualify as a co-borrower anyways, having no established credit in the US yet (non-permanent resident with constantly renewing work visas)

Within the job I’d already been in, I also took on leadership of a bunch of Covid response initiatives at the start of the pandemic, and eventually had to leave my much higher paying side job as a result of not having enough time available to work it. I no longer had enough income to qualify on my own as a result, and because she’d established credit, and because I’m an effing idiot, we refinanced together in January of this year to get out of the crappy initial loan I’d been able to get. Put her on the deed when doing so.

We also never married and ended up breaking up a month ago.

She wants to sell the house and take half, and I more than anything just don’t want to lose my house. Regardless of “what is fair” or “right” in terms of what she is entitled to, A. she’s not interested in having a conversation about how I could buy her out; B. I’m just trying to understand what she can or can’t do

But the titled question is as good of a place to start as any. She’s suggesting that she can sell 100% of her half of the deed to someone for a financial interest, and also bail on any financial responsibility for any of the loan/financing of that half she’s selling (particularly since I’d obviously not default on my mortgage and/or because she’s likely leaving the US within a year at this point. Are either or both parts of that feasible?

Cyrano4747 posted:

the bwm is not just subtracting negative values.

KYOON GRIFFEY JR posted:

the Gladiator was also not meeting sales projections like, at all, and were readily available with cash on hood unlike other Jeeps

KYOON GRIFFEY JR posted:

the Gladiator was also not meeting sales projections like, at all, and were readily available with cash on hood unlike other Jeeps

Leon Trotsky 2012 posted:

I used to have a roommate that paid for a subscription to the official Jeep lifestyle magazine that was sent twice a month.

I have no idea what is going on in the Jeep lifestyle community that requires biweekly updates.

Leon Trotsky 2012 posted:

This is for an item selling for $139 and he signed his real name.

He's willing to drive two days.

Leon Trotsky 2012 posted:

This is for an item selling for $139 and he signed his real name.

He's willing to drive two days.

Edgar Allan Pwned posted:

Is this a whatever item or are you the goon selling silver

quote:

The Vidovics' account had risen to $168,596 on April 28 when the hacking occurred, according to account statements the Vidovics shared with CNBC. That amount was essentially wiped out, with only a $587.15 balance shown the next day.

Like the Vidovics, Ben, a Virginia resident who asked that his last name be withheld, said he saw thousands of dollars vanish. He logged onto his Coinbase app in March, verifying his identity with two-factor authentication, but over a four-minute stretch almost $35,000 in various coins disappeared from his account, he said.

In a response to his frantic email, Coinbase told Ben his computer had been hacked and there wasn't anything the company could do.

"I really am baffled," he said. "It just seems to me that Coinbase did absolutely zero research and just said, 'Hey, yeah, sorry.'"

The CFPB responded to one of Ben's ensuing complaints with an answer from Coinbase's Regulatory Response Team. The email noted that transactions on the blockchain are irrevocable and said Coinbase's insurance policy does not cover theft from individual accounts.

quote:

"My question is how can a publicly traded company on the New York Stock Exchange be doing this to customers? How can they not have a customer service dedicated line worldwide?" Preble said.

quote:

After CNBC inquired about what happened to the couple, Coinbase sent Tanja an email on Aug. 20 that said the company "does not have the ability to reverse crypto transfers sent off our platform. Unlike traditional banks or credit card companies, once crypto currency transfers are confirmed on the blockchain, they are permanent."

"Because this attack was not the result of a breach of Coinbase security or our systems, we cannot reimburse you for this loss. This attack was only possible because the attacker had prior access to your email account and access to your 2-factor authentication codes (meaning they had access to your phone number through a SIM swap) before they attempted to access your Coinbase account," the email said. 

Cacafuego posted:

Currency of the future!

Coinbase slammed for terrible customer service after hackers drain user accounts

Alan Smithee posted:

https://twitter.com/RealNatashaChe/status/1429576700346748938

Rusty Shackelford posted:

How common is that SIM swap? It seems pretty common with bitcoin only.

PalaNIN posted:

https://twitter.com/RealNatashaChe/status/1430318477672386566

So she's actually gonna do it - looks like this has received enough attention so it'll be GWM for her and BWM for someone else. Just paying the BWM forward!

Weatherman posted:

If she's smart she'll also buy a zircon or something and smash that on camera while selling the diamond on the sly.

BMan posted:

if she's really smart the receipt is fake and she never bought a diamond

snailshell posted:

Some historical BWM for 19th-century French creditors: "The Art of Making Debts" by Erika Vause.



The first column reads: “Degree of ordinary creditor’s patience”. The second column reads: “Distance he must be led so that he gives up”. The third column reads: “Pairs of shoes he will wear out.” The fourth column reads: “Estimate of distance traveled, as part of earth’s circumference / by time”.

quote:

Fundamental to this “art of making debts” was mastery of the “promenade” or “run around”. As Jacques-Gilbert Ymbert explained in his 1824 L’art de promener ses créanciers, “the goal of the promenade is to bore the creditor, to bring him to such a state of fatigue and annoyance that, out of breath, spent, and under pressure, he at last despairs of his repayment and renounces the pursuit”. The full run-around often took years, and the process entailed careful preparation on the part of debtors.

Space Kablooey posted:

so i'm really curious about this, and assuming that:

- his average speed in his trip is 100km/h in a straight line in every direction (I have no idea whats the actual average speed for American highways, but this should account for the fact that he can't drive towards any arbitrary angle in a straight line. this still feels kinda conservative to me though)
- he meant two days, as in, at most a four day trip for the round-trip for handing your cash
- he will drive for 8h per day, so he will go to a place that's 16h hours one-way at the most (again being conservative here I can see him driving a straight 12h per day if not more.)
- he meant Indianapolis and not the state itself, because that would be... strange

So 100km/h * 16h = 1600km range. which gives me pretty much anywhere in the eastern US



i don't even want to know how much of gasoline/diesel he would spend on this