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Posts by Nicholas Murphy70

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Wage garnishments and collections in Law ·
Hey...
Looking for some input on a situation...

A bank initiated an execution about 7 years ago. The account has been frozen and everything has just sat there for a long time. Suddenly, this year, the bank starts sending letters wanting to settle things "to everyone's satisfaction." Two letters already this year. Previously, there were maybe one or two notices in total over the whole period. The situation was clearly explained—why the debt can't be paid—due to loss of property (fire) and unemployment... but until now, the bank couldn't care less.

Is this just a legal trick because the 10-year statute of limitations is approaching and they want to collect at any cost? Or is this a genuine settlement offer that my acquaintance should actually respond to?
They've tacked on all kinds of interest and xy fees. The guy simply can't pay because he's unemployed and has no assets left (unfortunately lost in the fire).
The debt is around $500 currently—if that matters for the analysis. Part of it has been paid... maybe $1,000 total has been scraped together so far.
I'm wondering why the sudden interest?

Supposedly, some kind of request needs to be sent to the creditors by the end of the month, and it might be possible to get the debt forgiven... some people are even mentioning media exposure... there were some shows on TV about this lately, right?

(This is a friend's case, so I don't have all the details, but I'm curious about the tricks lawyers use to lure victims in.)
Apologies if this has been covered before...
Any comments or experiences? Thanks.
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Buying a new graphics card - (read first post) in Desktops ·
Hey there.
Time to dust off the old AGP discussions. 😁
Basically, I need a new card for an old rig... AGP style.
My ATI Radeon 9800 Pro (with TV-out 🙂) started acting up—looks like a power connector issue. Is it even worth fixing? Who knows.
I had to swap it out for a 9550 just to get by, but man, the performance drop is brutal.
What’s actually on the market right now that matches or beats the 9800 Pro, and won't be a total waste of money on an AMD 2600+ XP build? Everything else has been running perfectly since 2003 (this card's from 2005, replacing an ultra-fast Nvidia FX that didn't last long). I just want this thing to stay alive for a few more years.😁
If anyone has the time, patience, or brainpower—and isn't too busy stressing over the national tennis team's performance—I could use some help.
THX
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Mandatory pension funds: What are your thoughts? in Banking, Insurance & Loans ·
Never really looked into this before... but that was some useful info.🙂
thx
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Mandatory pension funds: What are your thoughts? in Banking, Insurance & Loans ·
ironsurfer10 said:No. There isn't any legal framework that would allow those funds to be paid out early.
Good grief... if you only knew how many people ask me this every single day! 😍

...I just used that as an example because someone I know asked about it—specifically what happens if they move abroad for work and don't plan on coming back. So, does that money just stay with the government... or the bank?😕

Of course I'm not surprised they're "non-refundable." The government has to make sure they recoup their losses, running calculations every year to cover current Social Security obligations while making sure there's a slice left for themselves. But honestly, it feels pointless. It’s someone else's hard-earned money, and in these scenarios, they just lose it. Basically, anyone who doesn't make it to retirement age ends up empty-handed.🙄

Thanks for the answer.
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Mandatory pension funds: What are your thoughts? in Banking, Insurance & Loans ·
Not trying to start a whole new thread here... just wondering if there's any way to pull out money from a mandatory pension fund before retirement hits? Say someone worked for maybe two years, then hit a gap where they aren't working for the next four or five. Is there a path to access those funds the employer was contributing while they were on the job? Just using that as an example to get a baseline answer. If anyone knows, maybe walk me through it—I might have other scenarios later. Thanks.
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Starting a small business in Business, Accounting & Taxes ·
brisknomad6 said:man $600 a month just to cover social security, pension funds, workers' comp, plus those self-employment taxes and prepayments... I think I haven't even forgotten everything yet 😁

...so what are the monthly costs for a small family farm, and how does that actually differ from running a standard LLC?
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Overclocking (Main Thread) in Desktops ·
Interesting title for a thread aimed at overclockers... "show off what you can do." I wanted to offer a different kind of shout-out to some people here... specifically regarding post counts. We have folks sitting on 21,500 posts... or maybe 16,000-something else.
Is this just an extreme obsession with hardware (assuming most of these are tech posts)? Or is it a passion for writing (or just talking too much)? 😁Maybe they sleep with the forum open. 🙂
Anyone know who actually holds the top 5 or 10 spots for total posts right now?
Cheers!
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How to get started with agtech and farming investments? in Business, Accounting & Taxes ·
NERAST said:...... DOES ANYONE ACTUALLY KNOW THE EXACT FIGURE FOR HAZELNUT SUBSIDIES? .....

OR AT LEAST WHERE I CAN FIND THAT INFO? I'VE BEEN SEARCHING THE ENTIRE WEB UNTIL I DROPPED DEAD.....

btw.... THANKS FOR THE CONSTRUCTIVE ANSWERS AND SUPPORT

I'LL KEEP YOU POSTED ON HOW THINGS ARE GOING

hehe HERE'S A LITTLE NEWS

THE THREE OF US ARE LAUNCHING THIS BUSINESS AND WE'RE JUMPING STRAIGHT INTO 75-100 ACRES RIGHT FROM THE STARTUP!!!

jupiiiiiiiii

PLEASE LET ME KNOW ASAP IF ANYONE HAS THE Quincy DATA]

Enthusiasm is good.. just needs some balance with common sense...🙂 just don't get carried away...😉
personally, I've had great luck with walnuts.. but even though I have a massive plot right behind my house.. I wouldn't dive in like that.. planting everything and just hoping for the best..😕
I think it’s smart to do way more research first. Just one thing to consider:
A while back, I offered walnuts to a major retail chain (just wanted to check their buyback prices).. and when they gave me their quote, I almost bit my tongue to keep from telling them the truth about their product.😠
In their stores, they sell walnuts that they clearly don't know how to store properly (for example... at these temperatures, the walnuts are sitting out in the open in grocery stores rather than being frozen or vacuum-sealed.. they can last maybe 10 days if they aren't frozen.. if they are—which I'm certain they are—then you get 5-7 days before they lose quality), and there's this unpleasant smell.
They likely weren't dried or cleaned properly; they were probably just processed and flash-frozen.. then once they thaw on the grocery store shelves, the color shifts from yellow to black, etc.
If you're going big, you need a huge market.. so look into that first. I've had reliable partners for a long time who actually care about quality and are always ready to deal.
As for the subsidy amount, I believe it's around $11,000-$4000 per acre...
Keep me updated on your progress.. cheers!😁
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How to get started with agtech and farming investments? in Business, Accounting & Taxes ·
Forbes 30 Under 30 said:Your Grandpa was smart, and clearly you are too.

Nobody calculates the exit strategy here. We’re talking about walnut trees—do you have any idea what a cubic meter of walnut timber actually goes for?

If you don't know, go ask someone at a local sawmill.
There’s a massive price gap between seasoned wood and green wood.

With 3 acres of walnut, you're looking at a million-dollar payout upon exit. Who cares about some measly pears or hazelnuts when that's the endgame?

Regarding the timber, it definitely holds value—that's a fact. I've already received offers for it, though I'll wait a bit longer before pulling the trigger... if someone actually owned 3 acres of walnut... hm... I won't even try to wrap my head around how much lumber that is.🙂
Bottom line, I know it was a solid investment that paid for my college tuition, and it always pays off. There’s never been a time when you couldn't sell walnut—there’s always someone looking for high-quality wood.
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How to get started with agtech and farming investments? in Business, Accounting & Taxes ·
milbo said:I've got about ten mature walnut trees. I waited forever for them to actually produce, but now it's great. When work gets insane in the fall, escaping to the orchard to gather them is my go-to. It's basically my stress relief program. Then in the winter, when things slow down at the office, I spend my time cleaning up. Though, you have to clean a massive amount just to net 1 kg of walnuts, which is $13 max. Still, it feels good to be productive. But making a living off it? That's a stretch.

As for whether you can make a living from it... who knows. In my own case, I know that with my fourteen (mature)🙂 plus some smaller ones (maybe 10-12 years old), I make a decent profit. (Not sure how old your trees are, but mine are mostly between 35-50 years old, plus three that are probably twice that age). Selling them isn't an issue.
In years when supply is low—which will likely be this year—prices easily climb above $13 if you find the right market and build long-term connections. It's not my main job, but anyone willing to deal with the cleanup and pull in maybe 400-450kg annually can see a nice return compared to an hourly wage. Of course, the market needs to recognize these aren't the junk sold in grocery stores (sorry, but those store-bought nuts smell off and show their poor quality through a hundred different traits and bad storage) that Walmart, Visa, and others sell for $17... or similar prices.
Most of the labor goes into the cleaning... the rest is negligible...
Will the USA need this once they finally impose their regulations on us? I don't know.😕
I just know my djed wasn't wrong to plant this many trees.
Interesting topic. Caught my attention.👍
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McAfee vs. McAfee 9 in Software ·
Both options work. Personally, I’ve been using McAfee for ages and I’m sticking with them since it’s what I know. Some of the Norton setups I looked at didn't seem bad either... but I'll stay put. The competition isn't really giving me a reason to switch just yet.
Do a bit more digging first. Check some tech mags or whatever... then decide.
Hm... price matters too, obviously.😉
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Mortgage in USD: How has the USD/DEM exchange rate changed over the last 20 years? in Banking, Insurance & Loans ·
Got it. Thanks.
Just wanted to clear that up...
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Mortgage in USD: How has the USD/DEM exchange rate changed over the last 20 years? in Banking, Insurance & Loans ·
So, the issue isn't whether the USD will strengthen, it's whether our currency will lose value. You know, like that whole devaluation thing back in 2007...

Can you elaborate on this devaluation stuff from 2007?
Thanks
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Overclocking (Main Thread) in Desktops ·
monsterkill said:...so I guess I won't bother looking anymore.
Anyone interested in buying a motherboard?😁 😁

...just so I can overclock it with a screwdriver..😁
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