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Posts by Ajax
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2019-01-11 at 3:52 AM UTC in Describe your first exposure to pornography.I found dirty magazines in a dumpster behind a store that sold dirty magazines.
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2019-01-10 at 4:04 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by SpaceCakes I'v only collected Unemployment. you know, What My taxes paid into. and not for long. I went looking for work
My family nor I have ever tried to get on Section 8. I tried for SS but it's a mother fucker unless you have friends who work in those offices who make it easier for certain people to get it while others like me have to wait years. fuck that. fuck Social Security. and fuck those who suck the teet off the system
Unemployment benefits isn’t welfare. It’s funded by insurance premiums paid by your (former) employer, not by taxes. -
2019-01-10 at 3:36 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by Erekshun Everyone should get out of debt. the banks would hate it! Quit buying shit on the credit card!
This, seriously.
Originally posted by gadzooks That's right! People should just make more money so that they can afford to buy everything they need with their hard earned expendable income.
How dare some people earn minimum wage, or be stuck with medical expenses when they could be using that money to pay rent.
Yes, either increase your income or cut your expenses. Why not both?
Originally posted by SpaceCakes if they stop income tax, more money to the people. this way they only pay taxes on purchases. they can hoard their money or buy shit and make the economy flow
I pay more in taxes than a lot of people earn in a year. Some would call that unfair. Others would push their way to the front of the line with their palms up. -
2019-01-10 at 3:17 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by gadzooks Yeah, but it really shouldn't be that way.
People shouldn't have to overcome such hardships.
There is a sizeable proportion of the population that don't have to deal with such things, and it's not exactly fair to those who do.
I personally wouldn't wish some of the things I've had to deal with upon even my worst enemy, let alone someone I care about.
But it is that way. People do have to overcome hardships. That’s how life is. Your view has been tainted by whatever caused you to expect life to be different. Having the opportunity to make something of yourself should make you value and appreciate what you have, especially after having worked for it. Don’t squander that opportunity. -
2019-01-10 at 2:50 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by gadzooks Dude, again, I want to reiterate: I am a pretty resilient and self-sufficient person.
Ironically, I now earn more than any of my aforementioned friends with good financial standing. I worked my ass off to get where I am, and overcame all kinds of obstacles. They might have good credit and lots of assets (from working and saving up while living at home with their parents, whereas I was stuck living paycheck to paycheck trying to make ends meet), but, at least now I make an enviable salary. I just need to climb my way out of debt, and work gradually on building my credit. $48 NSF fees are not exactly helping with that, but whatever.
Still, I 100% stand by my accusation that the system is fundamentally broken. Poor people will always continue getting poorer. Even though I worked my ass off to "pull myself up by the bootstraps" and ameliorate my condition, I don't go around telling other poor people to just "work harder" and stop complaining.
Why not? That’s what I had to do. That’s what you had to do. That’s what they need to do. -
2019-01-10 at 2:31 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by gadzooks And credit is an incentivization technique to modify the behavior of people to start spending money they don't have.
And the only lesson here is to be born into better circumstances so that you can build credit from a young age, rather than being the victim of shitty circumstances that force you into debt from a young age.
Next time I'm born, I'll pick a stable household like some of my friends had (who are now, of course, doing really well financially). My bad, I guess.
Life is 10% what happens to you and 90% how you react to it. -
2019-01-10 at 2:08 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by MORALLY SUPERIOR BEING IV: The Flower of Death and The Crystal of Life Perhaps it could be considered a fine - if you bounce cheques then you damage your banks reputation. I believe that banks have fired their customers for such practices in the past (no, can't cite an example).
Did you know that theoretically a cheque is just a contract, cheque books are just a convenience, you can write a cheque on whatever. During the poll tax revolt in England people were paying their poll tax (a flat tax on each voter) with cheques written on all sorts of crap, like banana skins.
I can see that. That’s probably why you can order books of checks from all sorts of places online and not just your bank. -
2019-01-10 at 1:47 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by gadzooks So basically it's a justification for pushing the poor further into debt… It's like a tax on poverty. That is so fucking wrong it absolutely blows my mind.
I wouldn't mind if it was a percentage of the amount I was short, for example, because I'm only ever short maybe a couple hundred bucks (at the most), and then I can find the money to repay it within days typically. I virtually never carry a negative balance.
There's a reason that a flat tax, for example, is considered a regressive taxation system.
The same applies to a flat rate on things like this.
It’s not a tax on poverty. It’s a disincentivization technique to modify the behavior of people to stop spending money they don’t have. A technique that appears, by proof of this thread, to be working. -
2019-01-08 at 6:36 PM UTC in The WallOceans are big moats.
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2019-01-07 at 6:49 PM UTC in Kevin spacey lol
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2019-01-07 at 6:30 PM UTC in For the most part, I think that people are nice...I try to assume positive intent with every interaction.
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2019-01-06 at 11:12 PM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by gadzooks Okay, for the record guys, I never claimed that I blame the banks for my own inability to "manage my money" (again, I also want to reiterate that I have only recently started working after a long bout of unemployment - and that can take a while to dig your way out of).
But I do, however, blame the banks for being unreasonable and usurious in charging something like 16,000% interest. It makes the payday loan companies look like charities.
They are charging a flat fee for the service of covering your broke ass. It’s foolish to convert it to an APR because it doesn’t realistically depict the true nature of the transaction. I’m not saying $48 is a reasonable overdraft fee, so don’t misconstrue my point. -
2019-01-06 at 8:09 PM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by MORALLY SUPERIOR BEING IV: The Flower of Death and The Crystal of Life Why is it culturally legitimate to trick people?
I mean some people are smarter than others. Imagine if it was ok to beat people up and take their stuff because you're stronger than they are. That wouldn't fly, but for some reason it's ok to trick people and take their stuff.
"But you agreed to it" just doesn't feel honest to me.
Horrible analogy. How is OP being tricked? -
2019-01-06 at 12:52 AM UTC in I'm going to have around $2k in bitcoin soonVTI
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2019-01-05 at 5:05 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)I won’t ridicule you too harshly, but comparing a flat rate to a percentage is not a true comparison.
You should have cashed a check to yourself for the maximum amount of overdraft protection (often $1,000). Then you could float yourself with cash and only be out $48. -
2019-01-05 at 4:35 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by gadzooks Holy fuck, another topsy turvy scenario in this same thread…
See, I have taken payday loans, and I have never blamed them.
To put things into perspective, I will gladly take a payday loan to cover my end-of-the-month bills if I'm a bit short.
I mean, it's like escaping from the piranha tank only to find yourself swimming in a shark tank (for the sake of my analogy, sharks are slightly less bad than piranhas).
At least when you get a payday loan, you know you're going to be paying ridiculously high interest rates.
But you don't really factor in $48 NSF fees on $200 bills when you're budgeting / planning your finances.
Payday loans are exorbitant, but they don't reach that level.
Why didn’t you get a payday loan then instead of overdrawing your account? -
2019-01-05 at 4:06 AM UTC in Dude....storage facility removed and sold my stuff i was paid in advanced.....
Originally posted by Michasho Im so fucked in the head right now. They said its gone. No way to ever track anything down and get it. They said half of it was thrown away
I have proof of payments. Never once recieved a letter and no bitch,, my vm is set up and i cant stand there being an unread one sitting there. My bank account shows ive paid every month for 3 yrs and most in advance cuz terrified this would happen if i was late and my worst fear came true
I just am wanting some legal advice and if i have a chance in court
If you have proof of payment, you can probably get your 50 bucks back. -
2019-01-05 at 3:52 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by hydromorphone Before Wachovia went under and was bought out by Wells Fargo, I LOVED that bank. I never really had any overdrafts to name, save for one time I'd deposited a check that was supposed to have cleared like 2 days before (paycheck), and for some reason or another it hadn't cleared in my account yet, and me thinking it had, I over drafted. My fault, I shoulda checked my balance first, but I didn't as paychecks usually were available the next day if deposited. One of my close friend's sister worked there though, and she was so sweet and always fixed shit like that for me. I think back then it was a $25 overdraft fee.
Bank of America is horrible. They fucking charge money to cash their own checks which is fucked up, and they charged me like $25 for a $200 check, wtf! (This was circa 2009-2010)
I can't recall the name of the bank I was with last, but my ex begged to open an account together (FUCKING NEVER DO THIS WITH YOUR SPOUSE, THERE'S LITERALLY NO GOOD REASON! Learn from my mistakes, kids!) and then he got a payday loan… Fuckers tried to cash the check something like 35 times. They charged their $35 bounced check fee EACH TIME! I'm like WTF, okay, I get I should pay a bounced check fee, but 35 TIMES?!?! When it's $35 EACH TIME?!?! I thought you could try and cash a check ONCE, and when it doesn't clear, it's voided. Fuck no… I begged my ex to not get that payday loan, and then the stupid fucker lost his fucking job for being a lazy nigger faggot… and that folks is why I don't have a bank account anymore. Never before, even when I was a stupid teenager had I fucked up a bank account (shoulda know better since that nigger had.. but it was always someone else's fault…), but as soon as I had one with an asshole nigger, that's what happened… I don't think the account was open a year before he toasted it… and the first time, I told him NOT to get a payday loan, I thought he actually listened to me, and I found out later he went against what I'd said… God, I'm so glad that fuck is out of my life. Sure, I might have an infection in my bone, I might have a clotting disorder, and blood clots in my legs, but he was worse than all this, I'll tell ya…
Payday lenders are truly predatory and should be illegal. -
2019-01-05 at 3:08 AM UTC in I just rage quit my bank after 15 years and went to the credit union across the street (DISCUSS: banks vs credit unions)
Originally posted by Ughhu Another thing I’ve heard is once a lender sends your debt to collections it’s dead to them. The collection company owns it. As long as you never consent to the debt being yours either phone/email/ etc then if they haven’t gotten you to pay in 7 yrs the debt is dissolved. Same amount of time as bankruptcy. Credits already fucked so why pay off something you don’t need too
They can file a judgment or garnish wages in some cases. Not sure of Canadian laws.