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Posts by gadzooks
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2019-01-05 at 4:55 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 Ajax Why didn’t you get a payday loan then instead of overdrawing your account?
Actually, one of those expenses was a payday loan.
I went in to pay it as soon as my paycheck came in, but I was too little too late... according to their records, since the check had not yet cleared, I was stuck in limbo. -
2019-01-05 at 4:53 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)So, a payday loan that you pay back in two weeks incurs 14 days out of the year worth of interest, thus costing you ~3% interest on what you borrowed (assuming 400%).
I was charged $50 dollars for a debt (of only $200) that lasted 12 hours.
That's 0.5 days out of a calendar year of 365 days.
Interest is calculated via the following formula:
I = P * r * t.
P is the principal (200).
r is the interest rate (unknown).
t is the time period elapsed (12 hours == 0.5 days == 0.017 months).
We know I in this case, it's $48.
Thus, if we algebraically rearrange the above formula, we get...
r = (1/t) * ( (P+I) /P - 1) = (1/0.017) * ( (P+I) /P - 1) = 1,6941.2%/year. -
2019-01-05 at 4:34 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)So payday loans typically charge something like several hundred percent ANNUALLY.
I was less than 24 hours late in securing the funds for my automatic withdrawal, and was charged 50% FLAT.
I can't even imagine calculating the equivalent PER ANNUM rate... -
2019-01-05 at 4:30 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 Ajax Payday lenders are truly predatory and should be illegal.
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. -
2019-01-05 at 4:27 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 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!)
I have yet to see a situation where this isn't solid advice.
Well, I guess there is the occasional couple whose relationship defies all odds and stands the test of time.
But the odds of that are not worth betting on.
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2019-01-05 at 4:22 AM UTC in Dude....storage facility removed and sold my stuff i was paid in advanced.....
Originally posted by Erekshun You aint getting any legal advice here lol. Street justice maybe.
I remember back in the Totse days, there would be AT LEAST one thread a month (like clockwork) on how to get maximum revenge for some (perceived) wrongdoing, and then you'd have a bunch of misfit keyboard warriors describing their long, detailed revenge fantasies that they probably walked around thinking of every time someone budged in front of them in the cafeteria line or called them a name out in the playground.
Anyway, there is, at least I like to believe, always a middle ground (the golden mean)...
You don't need to kill, kidnap, torture, or rape anybody; nor do you need to molotov anything or murder/suicide; but, when people fuck you over like this, I see no problem in getting a bit... "creative"... in how you resolve your situation.
I can't think of anything off the top of my head right now, but you (OP) probably will have to resort to something a bit unorthodox / outside the law to get your stuff back.
Just don't take it out on the people who bought your stuff, because I don't see how they could have possibly known the whole story. -
2019-01-05 at 4:12 AM UTC in Remember Me?Ahh, the good ol' days of rap.
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2019-01-05 at 4:11 AM UTC in Remember Me?
Originally posted by RBX Remember me? Seven executions
Remember me? I have no remorse
[x] Reference to remorseless murder.
Originally posted by RBX Remember me? I drop bombs, like Hiroshima
[x] Reference to mass murder of an entire town via weapons of mass destruction.
Originally posted by RBX For this one, they scream "X, you retarded?!"
'Cause I grab the mic and get down like syndrome
[x] Reference to mental retardation and down syndrome.
Originally posted by RBX 'Cause I’ll hit your ass like the train did that bitch
That got banned from TV, heavyweight getup
[x] Reference to real-life "snuff" video.
Originally posted by Sticky Fingaz Yeah, I been told no, but it was more like “No! No! No!”
Life’s a bitch, met her, fuck you if you let her
[x] Possibly a reference to rape.
Originally posted by Sticky Fingaz Better come better than better to be a competitor
This vet is ahead of the shit, it’s all redder, you deader and deader
A medic instead of the cheddars and credda
Settle vendetta with metal Beretta from ghetto to ghetto
Evidence, nope, never leave a shred of
Just a quick aside to appreciate this verse for it's rhyming and rhythmic flow.
Originally posted by Sticky Fingaz My moms got raped by the industry and made me
[x] Definite reference to rape.
Originally posted by Sticky Fingaz I’m the illest nigga ever, I told you
I get more pussy than them dyke bitches Total
[x] Homophobic slur.
Originally posted by Sticky Fingaz So think what I’ma do to you, have done to you
Got niggas in my hood who’d do that shit for a blunt or two
What you wanna do? Cocksuckers, we Glock busters
'Til the cops cuff us, we’ll start ruckus and drop blockbusters
[x] Either an actual threat of violence, or an attempt to incite violence in others.
Originally posted by Eminem When I go out, I’ma go out shootin’
I don’t mean when I die, I mean when I go out to the club, stupid!
[x] Reference to mass shooting (of adults).
Originally posted by Eminem I’m tryin’ to clean up my fuckin’ image
So I promised the fuckin’ critics
I wouldn’t say “fuckin’” for six minutes
Six minutes, Slim Shady, you’re on!
[x] A whole lot of swearing.
Originally posted by Eminem My baby’s mom, bitch made me an angry blonde
So I made me a song, killed her and put Hailie on
[x] Reference to murdering one's daughter's mother.
Originally posted by Eminem Came home and somebody musta broke in the back window
And stole two loaded machine guns and both of my trenchcoats
Sick, sick dreams of picnic scenes
Two kids, sixteen, with M-16’s and ten clips each
And them shits reach through six kids each
And Slim gets blamed in Bill Clint’s speech to fix these streets?!
[x] Reference to a mass shooting at a high school, by high school students, targeting other high school kids. -
2019-01-05 at 3:58 AM UTC in Remember Me?
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2019-01-05 at 3:55 AM UTC in Remember Me?
Remember me? Seven executions
Remember me? I have no remorse
Remember me? I’m high-powered
Remember me? I drop bombs, like Hiroshima
For this one, they scream "X, you retarded?!"
'Cause I grab the mic and get down like syndrome
Hide and roam into the masses
Without boundaries, which qualifies me
For the term "universal" without no rehearsal
I leak words that’s controversial
Like I’m not the one you wanna contest, see
'Cause I’ll hit your ass like the train did that bitch
That got banned from TV, heavyweight getup
Hit you, watch your whole head split up
Loco is the motion, we comin’ through
Hollow-tips is the lead the .45 threw
Remember me? Throw ya gunz in the air!
Remember me? Slam! Slam!
Remember me? Nigga, bacdafucup!
Remember me? Chka-chka-Onyx!
Niggas that take no for an answer get told no
Yeah, I been told no, but it was more like “No! No! No!”
Life’s a bitch, met her, fuck you if you let her
Better come better than better to be a competitor
This vet is ahead of the shit, it’s all redder, you deader and deader
A medic instead of the cheddars and credda
Settle vendetta with metal Beretta from ghetto to ghetto
Evidence, nope, never leave a shred of
I got the soul of every rapper in me, love me or hate me
My moms got raped by the industry and made me
I’m the illest nigga ever, I told you
I get more pussy than them dyke bitches Total
Want beef, nigga? Pbbt, you better dead that shit
My name should be Can’t-Believe-That-Nigga-Said-That-Shit
Probably sayin’ he ain’t a killer, but I’m killin’ myself
Smoke death, fuck bitches raw on the kitchen floor
So think what I’ma do to you, have done to you
Got niggas in my hood who’d do that shit for a blunt or two
What you wanna do? Cocksuckers, we Glock busters
'Til the cops cuff us, we’ll start ruckus and drop blockbusters
Round the clock hustlers, you cannot touch us
I’m gettin’ wires, niggas wantin’ me dead
Wantin’ my head, you think it could be somethin’ I said?
Remember me? I just don’t give a fuck!
Remember me? Yeah, fuck you too!
Remember me? I’m low down and I’m shifty!
Remember me? I’m Shady!
When I go out, I’ma go out shootin’
I don’t mean when I die, I mean when I go out to the club, stupid!
I’m tryin’ to clean up my fuckin’ image
So I promised the fuckin’ critics
I wouldn’t say “fuckin’” for six minutes
Six minutes, Slim Shady, you’re on!
My baby’s mom, bitch made me an angry blonde
So I made me a song, killed her and put Hailie on
I may be wrong, I keep thinkin’ these crazy thoughts
In my cranium, but I’m stuck with a crazy mom
Is she really on as much dope as you say she’s on?
Came home and somebody musta broke in the back window
And stole two loaded machine guns and both of my trenchcoats
Sick, sick dreams of picnic scenes
Two kids, sixteen, with M-16’s and ten clips each
And them shits reach through six kids each
And Slim gets blamed in Bill Clint’s speech to fix these streets?!
Fuck that! Pbbt, you faggots can vanish to volcanic ash
And reappear in hell with a can of gas and a match!
Aftermath, Dre, grab the gat! Show ’em where it’s at!
(What the fuck you starin’ at, nigga?!)
Don't you remember me?
Remember me? Remember me?
Remember me? (Slim Shady!) -
2019-01-05 at 3:45 AM UTC in Dude....storage facility removed and sold my stuff i was paid in advanced.....
Originally posted by Michasho They said they had a mix up or something went wrong cuz they had no record and last manager i paid it to had quit shortly after
Holy fuck, man now I'm vicariously getting furious.
I would seriously sue.
People are way too litigious these days, but this is a scenario where I 100% endorse a law suit.
I would do whatever was in my power to make them give you whatever information they have on where your stuff might be, and then find a way to place any financial burden on them (to refund the buyers). -
2019-01-05 at 3:42 AM UTC in Dude....storage facility removed and sold my stuff i was paid in advanced.....Who are you?
Nobody's first post is something like this.
Well, if it's true, I feel for you man.
I used to practically live out of a storage unit (I lived out of a car, but kept all my important/sentimental/valuable belongings in a storage unit).
I could see myself being in that very situation, and I'd be furious. -
2019-01-05 at 3:38 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 ohfralala No no no I’ll end up completely butch if I go into the system and I need to retain what little femininity I have.
Well, I got to thinking about my initial suggestion and realized that, if you have the resources to set up an off-shore bank account under a false identity, you could just do the following...
Even-less-ethical Life Pro Tip:
1. Create several identities for yourself (costumes, wigs, and makeup; practiced fake accents; state-of-the-art false identification; etc).
2. Walk into at least one branch (probably safer to do no more than one) for each financial institution in the city.
3. Build up credit.
4. Keep borrowing.
5. Cash out.
6.???Move to another city and repeat.
7. Profit. -
2019-01-05 at 3:25 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 ohfralala Sure maybe but then you’re gonna have a hard time doing anything like buying a car, house, or renting an apartment for the same amount of time.
Unethical Life Pro Tip:
1. Commit a crime that will profit you highly.
2. Hide the money (bonus points if you put it in a high-yield savings account off shore in a fake name).
3.???Do your time (make sure it'll only be 7 years).
4. Profit. -
2019-01-05 at 3:19 AM UTC in So it’s fridayI've been up since like 1 AM (it's 7:20 PM here now)... (but I finally slept for close to 8 hours last night, so it's been refreshing).
I'm just sipping on a couple drinks (just a couple!) and taking my prescribed benzos and going to sleep soon.
I'm just thankful I can finally sleep again.
I feel tired right now, and it's fucking awesome. -
2019-01-05 at 3:16 AM UTC in So it’s fridayIt's Friday.
You ain't got no job.
You ain't got shit to do.
So let's get high.
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2019-01-05 at 3:12 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
That is true that after like 7 years I think (almost certain but have no sources to back it up) TransUnion and Equifax stop reporting it.
Some other things I've learned about collections agencies:
1. You can often negotiate with them. Collections agencies are basically organizations that bid on unresolved debts because their whole revenue stream is collecting on bad debts. It's why they often resort to sometimes very desperate tactics, such as threatening legal action (I've never known anyone who has actually ended up in court, let alone jail or with any fines, for ignoring those legal threats).
2. Then, they auction off the debts they can't settle to YET OTHER collections agencies. This can actually be incredibly burdensome if one of the original agencies sells the debt and doesn't bother updating the credit bureaus.
I actually ran into that particular problem recently...
I had two debts for an IDENTICAL amount on my credit report.
After digging a little deeper, it turned out it was the same debt, but two different agencies were reporting it.
That was part of the delay in getting a personal consolidation loan. -
2019-01-05 at 2:58 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 48 seems a bit much for nsf. I think Ive usually paid around 35.
I also have credit issues and am now with TD. It’s been 2 yrs now and they still aren’t confident in my income to give overdraft or and credit. I make approx 2k biweekly and they won’t cover and small payment that funds are available but in a dif account. I used to be with RBC and they would give me a temp LOC for. 5$ fee per use which was worth it. The. I opened a full LOC and racked it. Hence my rebuild plans with TD. They seem very rigid and cautious with credit so don’t take it personally
I've been researching and learning all kinds of stuff about how to build credit as efficiently as possible - although there's no one single definitive quantitative answer (which is ironic, because it's all based on mathematical formulas, which are as quantitative as it gets).
But different credit bureaus, financial institutions, and even third-party organizations (like credit karma), all use their own unique formulae to calculate credit risk.
But, a few of the take-homes that seem pretty universal:
1. First of all, if you have anything in collections, that's always the first thing to deal with.
2. Apparently the more lines of credit you have, the better, and especially the more diverse (mortgage; car loan; credit cards; etc). This one is often counter intuitive to people, but it shows (as long as you make steady payments) that you can manage credit/debt.
3. Applying for a credit card isn't going to cause your credit score to drop by 100 points. People are SO unnecessarily paranoid about getting a "credit check ding" on their record. Like, yeah, it does factor in, but nowhere near as much as people think.
There are some other theories that are out there, such as establishing certain debt-to-credit-limit ratios and stuff, but it gets a bit more fuzzy there. -
2019-01-05 at 2:44 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 Ajax To clear up your assumptions, I do not think $48 is a reasonable fee. I worked at a bank once and I waved as many fees as I could without getting in trouble.
Okay at least we are in agreement on something.
And I do take responsibility for my part in what happened, which is why I wasn't looking for a full refund or anything like that - just some kind of reasonable compromise.
They wouldn't even do that.
Either way, whatever, it's a chance to try something different. I highly doubt anyone at my former bank will lose any sleep over one lost customer - and especially the much higher ups.
