Hoodwinker posted:

What kind of maintenance fees can we expect for horseshoe wear and tear? What happens if you get a flat hoof and the nearest farrier is miles away!!!

Hoodwinker posted:

Forget bad with money, this dude is apparently great with money for managing to mostly keep it from this significant other for so long:

My boyfriend [M30] has been lying to me [F30] about his income for YEARS.

This dude is extremely GWM for not marrying this person.

Tiny Brontosaurus posted:

In TYOOL 2017, you think "don't be sexist" is trolling.

quote:

Applicant is alleged to be delinquent on 12 debts, in a total exceeding $137,000.

quote:

Applicant was alleged to be delinquent on nine debts in the total amount of $99,535. He failed to resolve any of them. He did not meet his burden to establish mitigation.

quote:

Applicant's husband's illness and associated employment problems, along with his eventual demise, created a financial situation from which Applicant failed to recover. She received $10,000 from his life insurance policy. Nevertheless, accounts became delinquent and were placed for collection, charged off, or went to judgment. For the vast majority of her delinquent non-SOR and SOR accounts, Applicant offered no documentary evidence of a good-faith effort to resolve them. She contended she paid a number of non-SOR accounts, but failed to submit any documentation such as receipts, cancelled checks, account records, etc., to support her contentions. As far as the SOR accounts, Applicant failed to take any positive action to resolve the vast majority of such accounts until February 2016, nearly 30 months after she was interviewed by an investigator and 5 months after the SOR was issued. In February 2016, she paid various collection agents a total of $192.99. She offered no documentation to support the existence of subsequent payments to any creditors, debt purchasers, or collection agents. Over the years, at least until February 2016, she failed to pay or resolve accounts with balances as low as $84, $110, $220, and $244. There are clear indications that Applicant's financial problems are no closer to becoming under control. Her actions under the circumstances cast substantial doubt on her current reliability, trustworthiness, or good judgment. Eligibility is denied.

Staryberry posted:

This with a horse trailer rather than an rv?

AreWeDrunkYet posted:

I think you'd be hard, hard pressed to operate a horse at a cheaper cost per mile than a reasonable car even under the best of circumstances.

quote:

Hi all, I am from Vancouver, Canada; currently on a $35,000 salary and have roughly $80,000 saved away in my bank account if I cash in my TFSA TD mutual funds. No student loans or any loans to speak of.

My dream is to go to law school in Ontario next year in Fall, and although by then my savings can pay off all three years of law school, graduating with nothing to my name is really upsetting.

Thus, I am contemplating in investing in real-estate in Greater Vancouver, maybe in Surrey. My current (half-cooked) plan is to purchase a small apartment with all my savings as down payment. I take out a ~$20,000 mortgage (total value of apartment: ~$110,000) and then use the rental income to pay it off. If I can rent the unit out for $900 per month with no utilities then it will cover the $500 mortgage as well as an extra $400 that I can use for living expense in Ontario (or cover emergency costs).

In the mean time I can apply for Canada student loan for tuition and living cost in Ontario. This way when I graduate from law school in three years I will have an apartment (abide a lovely one) mostly paid off and can concentrate on slowly paying back my student loans with my (hopefully) articling salary.

Are there any gaping plot holes in my grand scheme? Is there a more efficient plan for managing my finance/dream for the next couple of years?

Droo posted:

A paycheck calculator puts his monthly net at $4682, he might have rounded it to $5k or he might have more exemptions or deductions than the 1 I used in the calculator.

Remember, $6120 will go to FICA tax for the year before he even pays federal and state income tax.

Leon Trotsky 2012 posted:

This might cross into GWM territory, but my boss is having an American Girl Doll theme for her Daughter's 5th birthday party and requesting pre-paid Mastercard and Visa giftcards only as gifts. Her daughter wants to go to the American Girl store and pick up a Doll and some clothes as her presents.

The Doll + 3 Outfits that she wants are about $650.

Dillbag posted:

Wasn't sure whether to post this in this thread or the schadenfreude thread...

https://twitter.com/StockTwits/status/877621142734778368

NancyPants posted:

What can you do to lose your license from a car accident? Uninsured, DUI/DWI? He now needs an SR22 so he did something.

Sounds like her family is crazy people.

WA State posted:

You can face suspensions from both the Washington DOL and from criminal convictions, such as:
60 days if you receive 6 moving violations within 12 months.
90 days to 4 years if you are convicted of a DUI.
90 days to 2 years if you're arrested for a DUI.
30 days if you are convicted of reckless driving.

quote:

I at this point in time have around 19 thousand dollars in credit card debt with an interest rate of 26.34%, and I have not always been able to make my payments on time. In addition, I have recently lost my job, but I think I am close to finding a new one as an EMT-Basic, and I needed to take on 1 thousand dollars in student loans to pay for the training for that. The mortgage that I was looking at has an interest rate of 7.65%, and I was planning on making payments of 1 thousand dollars per month, but I am open to suggestions. I really want to continue to have a few credit cards, and my parents have warned me against using online mortgage brokers, and also wish that I never contact them again. Does this sound like a good idea?

crazypeltast52 posted:

Houses! I keep reading about Milleneals being scarred by the great recession as it relates to housing, but then everyone goes out and buys houses for too much money and I just don't get it.

Leon Trotsky 2012 posted:

Leon Trotsky 2012 posted:

This dude put 116k - his ENTIRE Roth IRA Balance - into RiteAid stock in advance of their merger with Walgreens.

Walgreens announced today that they are not going through with the Merger and RiteAid stock is down about 30%.

baquerd posted:

BTC don't do dividends as far as I know, so holding them should indeed be tax free.

quote:

I am just kicking myself right now. I don't know what to do. I am just so angry and sad at the same time. In the beginning I was contacted by this danish company called spot on travel. I thought to myself 'wow this is pretty cool' I didn't though anything suspicious about them at all. I should saw the red flags but my eyes saw just the dollar sign. They said they would pay me about $3000 per month for as little as about ten hours of work. I should've known this. My first assignment was to write an article about my home place and detail things about how wonderful it is. Nothing serious right? Right after that they sent me another assignment in which I would deposit $2500 into my bank account or cash it in and then I would have to sent them almost that amount by Moneygram in tibilisa in Georgia. And now after three days later my account says I owe $2429.63. I don't what to do and i'm scared because I don't think I can attend college this semester. PLEASE HELP!

quote:

Posting because this seems like a unique enough situation and I genuinely have no idea what to do. Please help!
I've been working at my current job for about 6 years, but remotely for the past two years during which time we (SO and I) relocated to a much better area of the county where we hope to stay. We found an awesome farm to purchase in cash, so we still plan to make that purchase.. albeit with some trepidation. We eventually hope to turn it into a working farm to make some extra money.
My employer suddenly made the decision to end remote employment, thus me losing my job. They have offered to keep me on as a contract worker where I wouldn't be making more than about $8 /hr on a per project basis. My first inclination is to turn down that offer, as I had been making $15 /hr with a few benefits. $8 /hr would be better than absolutely nothing though, if I'm not able to find anything else.
My question is: would the new contract job negate any unemployment I may be eligible to receive? This doesn't seem like the best question to ask either my HR department OR unemployment office.
Other related details: my SO hasn't been able to find work yet in our area and I've always been the primary earner.
Any insight is much appreciated! Feeling a little lost and scared at this point.

quote:

Me and my buddy are both 25 and single and want to get a house of our own. I get 300 a week and 200 under the table he makes 400-500 a week. We both have around 700 credit scores. We live in Flint, MI area where houses are dirt cheap. I know he will get a bigger loan amount than me since I work PT under the table. How can me and him get a small home? We both have no idea how to do any of this we have some money saved but don't know how the loans will work or anything like that.

quote:

so co-loans or whatever are not good? just not sure how big of a loan he can get if it will be enough to get a decent enough house for us to live in. we can have one buy and it and pay rent but the problem is getting enough money for one of us to buy it.

quote:

we both 25 want to get out of parents houses and I need a place to grow in (legal medical marijuana caregiver) so apartments is a big issue..

crazypeltast52 posted:

They could 1031 exchange into another property if they are in the US, then when it finally passes to your heirs, the cost basis steps up and they can start depreciating the asset anew or sell it without capital gains.

canyoneer posted:

https://np.reddit.com/r/legaladvice/comments/6kxgz9/land_lord_is_telling_us_the_house_we_live_in_is/
Land Lord is telling us the house we live in is about to be foreclosed and we've never missed a payment. Help please (self.legaladvice)
submitted 2 days ago by KyriiTheAtlantean


Rent-to-own on a house should send up as many scam red flags as "paying the IRS with wired Western Union funds or itunes gift cards"

quote:

Applicant's statement of reasons alleges his debts were discharged under Chapter 7 of the Bankruptcy Code in April 2015, and a state obtained a $12,201 judgment against Applicant in 2014. His bankruptcy included $213,857 in federal and state tax debt that had been delinquent since 2010. Financial considerations security concerns are not mitigated. Access to classified information is denied.

quote:

Applicant's financial difficulties, attributed to a separation and eventual divorce, as well as several surgeries, initially arose in 2011, and increased during the ensuing years. For unspecified reasons, other than the "snowball started rolling downhill" and he got behind in his bills, accounts became delinquent and were placed for collection. In several instances, his debts were charged off. A vehicle was repossessed. His wages were garnished. Applicant has still not filed his federal income tax return for the tax year 2011. Applicant contends he has sufficient funds to resolve his delinquent debts, but finds it easier to simply wait for garnishment rather than to actively resolve the debts by establishing payment plans. He has failed to generate any good-faith efforts to resolve any of his debts. It is unclear if Applicant's financial problems are under control. Applicant's actions continue to cast doubt on his current reliability, trustworthiness, and good judgment. Eligibility is denied.

baquerd posted:

That's take home they said, so maybe closer to 60k base, but stil... The utilities are also out of control insane, they should be able to cut those back substantially.

And like 100 bags of trash a month, I hope that's a typo.

baquerd posted:

500 is out of control insane unless they have a 4000sq ft. house, particularly given their water is apparently free.

monster on a stick posted:

http://ogc.osd.mil/doha/industrial/11-00110.h1.pdf

Get something to drink, this is going to be a long one.

quote:

In December 2005, while he was working on a temporary assignment in his hometown, some 345 miles from his permanent duty location, without any assurances that the assignment would become long-term, Applicant purchased a residence for $114,900. The financial problems associated with the national economic crisis subsequently resulted in massive layoffs in his field. It also terminated his anticipated relocation. Applicant was able to sustain his first and second mortgages while his sister resided in the residence. Once she moved out and he was unable to locate renters, the financial burden began as he was required to make his monthly mortgage payments in addition to his rent payments. The burden was simply too great. Applicant tried selling the residence, but three short-sales fell through when the first mortgage lender refused to agree to the sales. The residence remained vacant for nearly eight months. The first mortgage holder foreclosed on the mortgage, and in May 2014, the property was sold at public auction for $20,100. No deficiency judgment was pursued. Applicant still owes the second mortgage holder the unpaid balance of that mortgage, but Applicant's attorney is attempting to work with his second mortgage creditor in an effort to settle the outstanding balance. Applicant has no other delinquent accounts. Applicant's actions under the circumstances do not cast doubt on his current reliability, trustworthiness, and good judgment. Eligibility is granted.

Hoodwinker posted:

You know when people said we were headed for another recession, I never imagined it would be triggered by dumb fake garbage money.

Ebola Roulette posted:

https://www.reddit.com/r/personalfinance/comments/7je5ot/my_debt_situation_is_killing_my_girlfriend_and_i/


BWM: Taking out a $44,000 loan at 12% to get a $7,500 tax credit.

Youth Decay posted:

An actual honest-to-goodness Ponzi scheme making the Instagram rounds. Interestingly, I've seen this version with the pyramid filled in with stereotypical Hispanic names and another version with stereotypical African-American names and "street slang" ("hey girlfriend" etc) in the ad wording, so they're definitely targeting specific populations that might not be familiar with Ponzi schemes or know how illegal this is.



"This is not a pyramid scheme" *shows diagram of pyramid scheme*

This does get reported to local police departments as it pops up (even when targeting a naive audience, eventually a savvy person will see it), but it's harder to prosecute without knowing the actual persons or companies behind it. And I suspect that even if the originator does get prosecuted a new one will pop up right after.

Budgie posted:

Are we still doing horses?



Which is worse with money, horzewhores or a horse?

please knock Mom! posted:

Wait, I don't get this. Isn't this literally just a bunch of people giving you money for some reason?

quote:

I wired $27000 to GDAX, and it was declined due to a name mismatch. They said they would reverse the funds, and that it would take up to 7 days. It's now been 40 days, and I have tried everything. I've made multiple cases, I've tried to reach out to them on Twitter, sent messages to random employees on LinkedIn. I've contacted their bank, and their bank in NY said that Coinbase has not replied to any of their emails inquiring about the reversal, and that the money was received by Coinbase but that they have still not put in a reversal on the money.

Please upvote for support.