wiredlynx28 said:In that scenario, you could actually prove where the remaining cash came from. But if someone can't justify amounts that exceed what they reported to the IRS, there's going to be suspicion that the money is illicit and that taxes weren't paid on it. Either way, once the feds start combing through the books, some people are going to have a very bad time.🎉
Honestly, I’m just dreading the day I have to prove I haven't assaulted anyone—especially since it's pretty much a proven fact that I don't even have the equipment for it...
Honestly, we should probably just switch back to paying in potatoes, chickens, and lamb... maybe some beef too if we're feeling fancy... Just to really lean into that old-school American way of thinking...
Alexander Thompson said:Still, I gotta say, the optimism of people who can't even borrow a dime from anyone they actually know—like family, godparents, friends, or coworkers, who obviously know exactly why they're being avoided—is kind of wild. They're just sitting there hoping to get a loan from a complete stranger... over on 🙏 Reddit ....
Paul White9 said:Look, there's no need to get defensive. Not everyone spends their entire day glued to a computer screen where they can multitask between work and browsing the web. Some people work all day, come home, and then they're done. You aren't going to lose your job just because you checked a website.
But seriously, whatever you do, do not borrow money from people on Reddit, or from random flyers on telephone poles, or any other sketchy sources. You don't want to lose your house and everything else you own over a measly $3,000. That's why I say this: if a major bank won't give you a loan because your debt is too high or your income is too low, that's a signal in itself that you aren't a reliable borrower. A loan shark will love that, though—they won't care if you miss a couple of payments; they'll just take your house and walk away with exactly what they wanted for that $3,000.
But he needs the money, you know? How can you not see that part?
Just kidding—but seriously, I don't think you could get better advice than what Paul White9 gave you... Those vultures will skin you alive like a stray cat...
Amy Hughes91 said:I need $3,000 by the end of the day. The cost of living in America is getting ridiculous, so I’m not about to go begging my friends and making things awkward—especially since I already know they’re broke. If anyone happens to have $3,000 sitting around and actually wants to earn some decent interest, let me know.
Amy Hughes91 said:Thanks for the lightning-fast reply.
Can't talk now, I'm working...
Nice... Look, I'm not about to mess with my friends or family, but if some random stranger online wanted to lend me what amounts to five or ten of my paychecks... I swear on my life, I’d take it. But I don't have the time to sit here and chat about it with you guys, I've got stuff to do...
Man, I just love these kinds of brilliant ideas...
Laura Chavez93 said:Honestly, they keep calling me 🙂—and once I tell them that’s not how things work, they just pivot to my business account the very next day. At this rate, I expect that instead of my local teller, the branch manager will be calling me tomorrow to recite some long-winded lecture... and they’ve already started with those hollow threats about closing my accounts entirely 🙂
Honestly, when you get pushed into a corner like that, you just end up standing there looking totally baffled—like, why even bother being surprised when the whole thing is such a circus anyway?
Plus, you've got a bunch of US banks just automatically sharing their info exclusively with Canada... For everyone else under FATCA, they only cough it up if there's an actual request...
So, you're talking about that one-time construction fee? I mean, have you actually taken a look at the local city council ordinances, or whatever they're calling those municipal codes these days?
So, I’ve got this absolute genius in my family—my uncle... I mean, the guy was a wizard at physics, chemistry, biology... straight A student back in high school... Man, he even used to play chess against Kasparov, just incredibly sharp, really quick on his feet... Then he gets into a top-tier pre-med program, totally bombs it, and ends up switching over to education... He barely scraped through, mostly because he just couldn't deal with the administrative side of things... Like, signing up for exams, chasing down signatures... It just wasn't his vibe, I guess...
He spent his whole career teaching out in some tiny rural town 12 miles far away from any major hub, you know? He could never quite land a gig in a big city like Chicago or something... Such a shame, really...
Pretty much an unsuccessful guy, if I'm being honest 🤷
Man, this thread has become such a toxic wasteland... It’s like, the second someone shows up who isn't part of the inner circle—you know, people who don't sing in the choir or whatever—the insults just start flying. Just constant ad hominem attacks left and right...
So, you gotta put it in the mailbox—you know, like in an apartment complex, not really for a single-family house—but you don't necessarily have to stick it on the door... though if you do, just be prepared for them to skip the actual delivery and just toss a little slip of paper into your box instead 🤷
Robin Rodriguez5 said:I didn't see that report come through. It’s been handled now, so honestly, I’d appreciate it if you didn't go digging up old battlefields on this thread—let's not keep rehashing the same exhausted arguments over and over.
Man, things are shifting... with that letter to the EC government, it's getting pretty obvious where this is all heading... but, whatever, I won't push it any further there... until more happens, I guess 😬...
Anyway, not that it matters much, but I noticed you labeled that as trolling, even though it was just someone straight-up insulting a member here...
I'm just wondering if this has become the new normal for how people talk over at the Business School—you know, just so I can figure out if I need to adjust my vibe?
So, I flagged a post with the little icon the other night, but I haven't seen any movement on it yet... maybe nothing happened...
Man, you must've grown up in some government-seized apartment living off a veteran's disability check. Is the mail still coming regularly?
silverhawk9 said:Honestly, there is nothing more distasteful to me than people who just sit around waiting for their parents to pass away so they can move into the family estate with their spouse and kids.😵 Look, if you’re single, fine—maybe it makes sense. But once you’ve started a family and gotten married, then just hovering around waiting for your folks to kick the bucket so you can take over the house?🙄 It’s completely baffling to me, and frankly, it feels incredibly irresponsible. After all, parents have every right to sell everything and leave nothing behind; they aren't obligated to pass the torch to you. And don't even get me started on the absolute gutter behavior of dragging families through the courts, contesting wills, and fighting over assets. If I ever found myself in a position where I was suing my own kin over an inheritance, I’d be too embarrassed to show my face in public. If they wanted to leave you something, they would have. Personally, I’m an only child, but I don't spend my time dwelling on it or expecting a windfall. I’m focused on building my own life and acquiring my own things from scratch.
I guess Ico hit the nail on the head there... coming into a massive inheritance can really ruin the next generation. People just turn into total loafers because of it...
In my opinion—just my two cents—the general rule should be that whatever you inherit, you shouldn't blow through it; you should pass it down to the next generation. Anything you actually earn yourself? Well, feel free to blow that on whatever you want.
Sure, if you've got the means, you should definitely make sure your kids get the best education possible... But once they've graduated? They need to find their own way. You can still keep things friendly and supportive, obviously, but they need to stand on their own two feet. 😉
Lawrence Alvarez2 said:Honestly, the absolute dumbest thing about JPMorgan Chase is how their foreign currency accounts work. You can’t just have one multi-currency account; instead, they force you to open a separate account for every single currency, which means a separate card and separate monthly fees for each one. It’s such a headache. At the end of the day, a dollar is a dollar, or a euro is a euro—it should all just be under one roof.
Lawrence Alvarez2 said:Look, I used to have separate PayPal cards—one in Euros and one in Dollars. Each account was its own thing with its own set of fees. I know what I'm talking about here. It comes down to the card itself; the currency is printed right on it. Why else would I bother having two different cards? If you try to use a single-currency card for a different currency, you're just inviting conversion fees to the party...
Look, if you’re dead set on having two separate accounts, they’ll set that up for you—just keep in mind they're gonna charge you for both... I guess. But honestly? If one multi-currency account does the trick for you, maybe just stick with that one and call it a day.
I mean, I don't think you actually had a clue at first—not really—but I guess you finally caught on. 😉
Lawrence Alvarez2 said:That's just not true if you're looking for a card specifically for something like PayPal; you'd have to open a whole new account for that! And obviously, I need a card... I mean, how else am I supposed to grab cash when I'm traveling?
Well, sure, you get the card and all that... the account is multi-currency, so you can hold whatever you want in there, but the fees—including the monthly maintenance stuff—they all get pulled from your "primary" currency...
So, like, my main currency might be USD, even if I’m also holding Euros or Swiss Francs... but all the charges (PayPal, ATM withdrawals, random fees) hit the dollar balance. If you run out of dollars, you're stuck—you won't be able to buy anything even if your other currency balances are looking pretty healthy... and honestly, the fee is basically the same regardless of how many different currencies you've got sitting in there...
Anthony Newman9 said:That’s actually what I wanted to ask, if there's any real basis here... or if anyone has dealt with something similar... maybe looking into the statute of limitations might be an option.
Ground to stand on? From where I'm sitting, you don't really have much... which is why I'm asking what your actual basis for a complaint would even be.....
Anthony Newman9 said:In any case, I'll settle the debt, but I really want to try filing an appeal first... I guess I can't quite remember if they ever actually asked me if I wanted monthly statements mailed to my house... I think I caught a glimpse of some simplified federal regulation somewhere stating that the debtor bank is required to mail out a year-end report by law... it might be worth a shot.
Well, you couldn't even remember if you opened the account in the first place, could you? 😉
They're supposed to send out a summary of fund balances once a year, though I don't think that applies to checking or savings accounts specifically....
Just curious, though—what exactly are you planning to base a complaint on?
How do you honestly think an appeal is gonna go when you’re basically complaining that they didn't notify you about your debt—even though you explicitly told them not to send you any notices in the first place?
Or maybe you just don't want to pay because you totally blanked on the fact that you even opened the account?