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> Then when he powered it on again, there was a rod knocking. Well, of course there is, if you just let it run like that?? > I did NOT have a rod knocking. I know what a thrown rod sounds like. This sounded more like something fell out of sync, and I possibly needed a new timing chain or what have you. Rod knock and a thrown rod are different, and her confusing the two but taking umbrage with the mechanic's work gets my goat.
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Jan 4, 2019 00:04
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| # ? Apr 25, 2024 05:41 |
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Hello, crossposting from the shitcoin thread https://www.bloomberg.com/news/articles/2019-01-03/tesla-stock-on-a-blockchain-offers-hint-of-where-crypto-s-headed A digital exchange opening next week will enable investors to trade in companies including Apple Inc., Facebook Inc. and Tesla Inc. outside of the U.S. even when the stock markets are closed.
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Jan 4, 2019 00:27
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Murderball posted:Hello, crossposting from the shitcoin thread
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Jan 4, 2019 00:40
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Murderball posted:A digital exchange opening next week will enable investors to trade in companies including Apple Inc., Facebook Inc. and Tesla Inc. outside of the U.S. even when the stock markets are closed. Facebook/Instagram, Netflix, Google, Apple, Tesla (FINGAT)
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Jan 4, 2019 00:46
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At blockchain, lost FINGAT
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Jan 4, 2019 00:51
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Motronic posted:Weekly Motel Sinkhole. (self.personalfinance) Dyingmiddleamerica.txt
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Jan 4, 2019 00:52
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RC and Moon Pie posted:If the husband is referring to assisted living, $6-8K per month sounds about right. Old folks homes are crazy expensive. that is worse than the cost of college 
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Jan 4, 2019 01:04
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Foma posted:that is worse than the cost of college It's more expensive to have a CNA check your diaper than having your RA check for weed
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Jan 4, 2019 03:31
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I got a personal story for you chaps. My FIL is insanely bad with money, he's motto is "you have to spend money to make money" so he takes out loans for no purpose other than having a loan... yeah. So my partner has what essentially amounts to a loan from her country's government for her postgraduate studies. If she completes milestones, the loan amount reduces accordingly. Completing her studies, return back to the country, finding a job are all milestones. We decided that her working in Australia makes more financially sense compared to going back to South America and finding a job that pays little. She's been working her rear end off, saving a large junk of her pay. Overall she has been GWM to pay off the debt ASAP before the loan matures (She's has about 80% saved up already) . All is well, until she gets a call from her dad. He took out 50k (AUD equivalent) @ 12% secured (with the house as collateral) loan on a whim and hinted strongly that it was her responsibility. Somehow in his head, this was a good deal. He was literally walking towards the mall when some rear end in a top hat approached him handing out flyers for a loan, he walked in and after a few forms he was approved. The real laugh out loud bit was the loan amount did not even cover the the debt and we could have easily gotten a much better unsecured loan in Australia. My partner had a mental breakdown in car as she told me all of this. The job was wearing her down, the travel was 2hrs/day, she was working weekends and on top of all this, she had to take on this loan, forcing her to continue in this line of work even though she wanted out. It was absolutely hosed that her father would take out a loan when he was so close to retiring. If she didn't take on the loan, he would have to continue working. Except he has health problems that are affecting his work. I insisted my partner NOT take on the loan, no matter what as it set a precedent for her parents to do dumb poo poo willynilly and to drop the heaping pile of stinky poo poo in her lap. She's the only one of her sisters that works so the responsibility will eventually fall on her for anything financial related to her parents (i.e. retirement). The story has a happy ending, somehow through diplomacy and talking to her mother, the loan was cancelled, money returned and there are no more debts. He retires 2 months later (i.e. THIS WEEK), due to new taxation rules make it impossible to work at his age when he has a pension. I still have no idea wtf he was thinking. I've discussed my family on here a few times, they're on the other "debt" spectrum: they don't take or deal with anything interest related. Family: always forever bad with money. Suspicious Lump fucked around with this message at 14:14 on Jan 4, 2019 |
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Jan 4, 2019 05:38
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Why in the world would anyone think she would take on a loan she didn't request or sign for, in a country she's not even present in? 
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Jan 4, 2019 09:16
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Dik Hz posted:I just want to remind everyone about the 2018 Industrial Security Clearance Decisions, which are a matter of public record. Truly some bad-with-money gems. When this thread gets derailed, it's a great source or re-railing content. Yeah the Security Clearances are fascinating. I haven’t seen any crypto related denials yet, but I imagine they’ll take a while to work their way up to the appeals court.
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Jan 4, 2019 15:51
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GWM Church, honestly. When being tax exempt isn't enough. TX - It seems I did not learn my lesson and did more tech work for a church. They took 10 percent out of what they owed me as a tithe. https://www.reddit.com/r/legaladvice/comments/acawpg/tx_it_seems_i_did_not_learn_my_lesson_and_did/ quote:I posted a year or so ago about doing tech work for a church. Well I am back again with another issue.
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Jan 4, 2019 16:40
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canyoneer posted:You'd think a painter would understand the importance of a good taper Booooooooooooo nice one
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Jan 4, 2019 16:41
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quote:Applicant used marijuana on numerous occasions after having been granted a security clearance in 2001~2003. He also used it about 200 times, including the night before his hearing.
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Jan 4, 2019 17:13
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paragon1 posted:Applicant used marijuana on numerous occasions after having been granted a security clearance in 2001~2003. He also used it about 420 times, including the night before his hearing.
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Jan 4, 2019 17:22
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Hoodwinker posted:A travesty this wasn't the case. A travesty that this means anything to the government at all.
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Jan 4, 2019 17:47
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Here's a doozy.http://ogc.osd.mil/doha/industrial/2018/16-03658.h1.pdf posted:In July 2004, Applicant purchased a home for about $1.2 million and financed the purchase with a 90-10 loan package that consisted of a first mortgage with SOR creditor 1.c ($958,400) and a purchase money mortgage to cover the required 10% down payment on the home with SOR creditor 1.a ($120,829). (GEs 2-5 and 7 and AEs B-Cand M; Tr. 42-43, 57-58) The interest rate agreed to by Applicant on the promissory note and first trust deed was an adjustable rate of $4.8% for five years after which the rate would be adjusted upwards by 2.5%. (AE M) At the time of his purchase, Applicant was netting a little over $80,000 a year and reported a net worth of $23,000, but still claimed he could afford the combined mortgage payments of $4,300 a month ($51,600 annually) on the two mortgages. (Tr. 57-58, 79) quote:Besides Applicant’s first mortgage debt with SOR creditor 1.c, he has an outstanding second mortgage with SOR creditor 1.a in default and unresolved. He has made no payments on this loan since 2009 and currently owes over $120,000 on this quote:Analysis quote:Applicant’s cited extenuating circumstances (i.e., medical issues requiring his time commitments for caring for his mother, his wife’s erosion of income during the economic downturn that impacted her business in 2008-2010, and his mortgagee’s failure to approve his loan modification request) provide some mitigation credit for his initial withholding of mortgage payments on both mortgages. Based on his cited circumstances, MC ¶ 20(b), “the conditions that resulted in the financial problem were largely beyond the person’s control (e.g., loss of employment, a business downturn, unexpected medical emergency, or a death, divorce or separation), and the individual acted responsibly under the circumstances,” has some application to Applicant’s situation. quote:Overall, Applicant’s actions to date in addressing his finances reflect too little evidence of restored financial responsibility and judgment to overcome reasonable doubts about his trustworthiness, reliability, and ability to protect classified information or occupy a sensitive position. See AG ¶ 18.
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Jan 4, 2019 18:58
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My all time favorite is Guy Practicing Digging Graves to Prepare for Murdering His Wife’s Loverquote:Within the next few months, Applicant purchased a firearm, a pistol, and took the required safety course, which included firing the weapon. He never purchased ammunition for the firearm and never fired it again. He told his spouse he bought the firearm because he knew doing so would upset her. Buying the firearm was part of a revenge fantasy of taking action against his spouse’s paramour that preoccupied Applicant for the next couple of years. In addition to buying the firearm, it included grave digging (two graves located in the woods), buying a cutting tool, and buying a canvas to wrap the body. http://ogc.osd.mil/doha/industrial/09-04014.h1.pdf
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Jan 4, 2019 19:00
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Hyrax Attack! posted:My all time favorite is Guy Practicing Digging Graves to Prepare for Murdering His Wife’s Lover arent priests supposed to not tell literally anyone about confessions under pain of instant excommunication
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Jan 4, 2019 19:06
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bob dobbs is dead posted:arent priests supposed to not tell literally anyone about confessions under pain of instant excommunication Did the priests say anything? I figure the applicant told them about the confession.
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Jan 4, 2019 19:10
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Haifisch posted:Here's a doozy. Very bad with security clearance but probably ultimately good with money since they seem to have stumbled upon the truth that most mortgage lenders were completely unable to deal with foreclosures after the financial crisis, particularly junior lienors that quickly determined they had almost no chance of ever recovering equity in a foreclosure after staggering through the morass of foreclosure. The guy who basically got a free $100k downpayment on his million-dollar house in particular did pretty well and will probably never face any real consequences for deciding not to pay.
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Jan 4, 2019 19:10
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BEHOLD: MY CAPE posted:Very bad with security clearance but probably ultimately good with money since they seem to have stumbled upon the truth that most mortgage lenders were completely unable to deal with foreclosures after the financial crisis, particularly junior lienors that quickly determined they had almost no chance of ever recovering equity in a foreclosure after staggering through the morass of foreclosure. The guy who basically got a free $100k downpayment on his million-dollar house in particular did pretty well and will probably never face any real consequences for deciding not to pay. Man, and it sounds like he was able to take the payments and save 400k. Pretty gwm all around.
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Jan 4, 2019 19:26
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Yeah, that dude owns. The lendor decided a guy with a 80k job could afford a 1.2 million dollar house and at that point I feel he is morally obligated to take them for a ride. $100k in furniture is BWM though.
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Jan 4, 2019 19:37
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Residency Evil posted:Man, and it sounds like he was able to take the payments and save 400k. Pretty gwm all around. Until you lose your clearance and therefore your income.
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Jan 4, 2019 19:37
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Worst customer credit quote:What is the worst financial shape you've seen for a potential customer? Some choice ones in here: quote:The kid had 420 credit owed $1500 to metro, $7500 Tiffany's, 2 repos and this guy made $1000. 23 years old with a kid and he didn't grasp the fact why he couldn't get a $20,000 new car for $100 a month with 0 down and why he couldn't get approved for any car loan quote:Worst I've seen is $20k upside down on a 17 Toyota Sienna that they couldn't afford. I told them their best bet was to see if they could get a free consultation with a financial adviser about bankruptcy so they could keep their car and still be able to buy food. quote:370ish. Divorced and unemployed. No job history at all. Had a trade in worth ~$3k. Maybe $10k in late signature loans and title loans between her and the vehicle. quote:My old roommate had no credit and was doomed to an apr of 24%. Her debt to income ratio was fantastic so they worked with her. quote:Had a girl come in with 3 separate repos on record and fake paystubs
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Jan 4, 2019 19:59
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Lockback posted:Yeah, that dude owns. The lendor decided a guy with a 80k job could afford a 1.2 million dollar house and at that point I feel he is morally obligated to take them for a ride. I mis-read that the first time through as well. He *nets* $80k/year on his gross $240k/yr job. Overall GWM unless the lack of clearance means he no longer earns $240k/year.
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Jan 4, 2019 20:07
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H110Hawk posted:I mis-read that the first time through as well. He *nets* $80k/year on his gross $240k/yr job. He made $80k when he took the loan. He currently makes $240k.
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Jan 4, 2019 21:48
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Cacafuego posted:My old roommate had no credit and was doomed to an apr of 24%. Her debt to income ratio was fantastic so they worked with her. Lol, a person with no credit, so presumably no debt, had an excellent debt to income ratio? Why I'll be....  maybe he means after considering the loan it was still a good DTI...
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Jan 5, 2019 00:25
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H110Hawk posted:I mis-read that the first time through as well. He *nets* $80k/year on his gross $240k/yr job. He is completely hosed if he had a Conditional Offer of Employment based on the clearance, which is likely. They are supposed to take a few months to process but some go on for a year or more. There's no real recourse if you end up getting denied; you lose the job immediately, though you can appeal the denial (I don't believe that saves the job for you though). Initially he would have gotten an interim clearance, which is quicker and easier and wouldn't pick up the whole story behind his mortgage shenanigans particularly since they appear to have dropped off his credit report. This is the result of the final investigation and his 200k job may have tanked when it came down. Not that any bank who let this guy mortgage a 1m+ house on an 80k salary deserves any sympathy either, but I agree it's maybe not someone we want handling classified material.
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Jan 5, 2019 01:16
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Cacafuego posted:
I worked in car sales when I was a wee lad and probably the worst I saw was this couple that were trying to downgrade and slash their payment, they had solid income but they had way over extended and had two kids in college. They had a 1 year old full size truck and a 1 year old loaded Honda minivan and needed to keep the same type of vehicles but lower their payments as much as possible so I put the guy in a 5 year old Ranger and the wife in a 3 year old Caravan. Of course they put little or nothing down on either vehicle so they were enormously upside down. It was a massive long shot anyway since they were probably trying to finance 40k dollars on 20k worth of vehicles, but I remember the finance manager walking up to me after the deal fell apart and saying "Yeah, it's pretty tough to get a new car loan when you haven't been paying your mortgage." Poor bastards. Entirely their own doing but I still felt bad for em.
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Jan 5, 2019 02:59
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Jan 5, 2019 03:04
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Ixian posted:Not that any bank who let this guy mortgage a 1m+ house on an 80k salary deserves any sympathy either, but I agree it's maybe not someone we want handling classified material. Again, it was 80k net at the time. That means his gross was probably a little over $100,001, which qualifies him as rich a we in this thread all know. Why wouldn't the bank loan him the money?
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Jan 5, 2019 05:58
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SpelledBackwards posted:Again, it was 80k net at the time. That means his gross was probably a little over $100,001, which qualifies him as rich a we in this thread all know. Why wouldn't the bank loan him the money? $102,440 is the 2018 inflation-adjusted amount after a CPI of 2.44%, so he's still a prole.
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Jan 5, 2019 06:39
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Got a friend a disciplinary and went behind bosses back? How to stop this spiraling out of control? Non-Romantic submitted 51 minutes ago by TroublewithBoss https://old.reddit.com/r/relationships/comments/acvo0j/got_a_friend_a_disciplinary_and_went_behind/ quote:Hello, According to the comments, this guy is in the UK. Which is the ONLY reason he still has a job at all.
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Jan 5, 2019 18:37
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Some background as I do feel it’s important I was Bobs boss until 2 years ago sadly personal circumstances at the time caused me to spiral and I lost 75% of the departments business
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wow thats one way to shoot yourself in the head I never thought of.
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Jan 5, 2019 19:01
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He was only making 25k before? Did the company bury him from his previous management position?
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Jan 5, 2019 19:05
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kimbo305 posted:He was only making 25k before? Did the company bury him from his previous management position? Sounds like, although this is 25k in pounds, in a country where salaries are lower. In any case, way to make sure he stays at the bottom.
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Jan 5, 2019 20:16
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Jesus, he doesn't even realize that his days at that company are now (unquestionably, 100%) numbered 
Trustworthy fucked around with this message at 20:55 on Jan 5, 2019 |
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Jan 5, 2019 20:52
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[URGENT] Found out that my husband owes $73k to the IRS. PLEASE HELP (self.personalfinance) submitted 14 minutes ago by Throwforventing https://old.reddit.com/r/personalfinance/comments/acwvpo/urgent_found_out_that_my_husband_owes_73k_to_the/ quote:I checked the mail today and there was a letter from the IRS, I opened it since seemed extremely important and he is out of town for work. (He's an independent contractor, files 1099) He'll be gone until the 13th. Looks like the 'ol stick your head in the sand and torpedo your relationship move we've seen so many times.
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Jan 5, 2019 21:03
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ma i married a tuna posted:Sounds like, although this is 25k in pounds, in a country where salaries are lower. In any case, way to make sure he stays at the bottom. I reckon it's a pretty good salary for someone whose fuckups destroyed 75% of his employer's business. I'm amazed he was getting a raise at all.
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Jan 5, 2019 21:17
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