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Vancouver Off-Topic / Current EventsThe off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum.
badhobz gonna be on a roll until the rail strike is over
__________________ There's a phallic symbol infront of my car
Quote:
MG1: in fact, a new term needs to make its way into the American dictionary. Trump............ he's such a "Trump" = ultimate insult. Like, "yray, you're such a trump."
bcrdukes yray fucked bcrdukes up the nose
dapperfied yraisis
dapperfied yray so waisis
FastAnna you literally talk out your ass
FastAnna i really cant
FastAnna yray i cant stand you
So i went to go see the "super moon" at Iona beach last night and while sitting there contemplating my poor life choices, i saw this skinny mosquito motherfucker and his skanky mosquito bitch.
At first he was like HEY BABY, you know you want these slim ass antenna, all dancing around this mosquito bitch like he's got harvey specter money or something..
Initially she just ignored him like how we ignored CiC. Then afterwards, i guess she gave in after seeing they had an audience and she's a kinky little bitch.
So i was watching this little shit pump his little mosquito dick into his old lady and im like FUCK YOU, how dare you have a better time than me. So i iced him and his tasty mosquito bitch with my hitler wipers. I proceeded to immediately piss on his corpse afterwards with hitler fluid
i got an ear full from spyballoon cuz i was manically laughing while i watched his mangled little corpse get compacted with his whoresquto
Does anyone have experience regarding credit card debt?
I just found out that a friend of ours has about $50k in credit card debt on multiple credit cards.
What would be the options for them? I've heard consumer proposal and consolidation are some options, just seeing if you guys can help me narrow it down faster.
The thought of him paying 22% interest hurts my soul.
Or if you have a guy in the debt field, if you could send me his contact info. I want to try and get them on the right track asap.
i dont know anything about debt consolidation but if it's all credit cards then this is what i did when i had about 30k debt in my 20.
i applied for balance transfer cards and put as much debt as i could into them. they are like 0% or 1% APR and cost 1% in balance transfer fees. do that for as much of the debt possible and the rest put in a LOC even if it's like 10% or 12%, beats 20%. then get on rice and beans and take that shit to pound town. i know 50k is a lot more than 30k so unfortunately this method may have some limits because they will still have like 20-30k+ to deal with, and most people with unsecured LOCs are not getting that big of a LOC at any reasonable rate.
talk to a debt consolidator, and they will keep the phone calls away. It does do magic. Unless you're Unit, he knows how to transfer from over to another then it's good.
reminds me of those commercials/infomercials to call that debt company to help you get out of debt...22%, that feels like loan shark, paydayloans stuff
Does anyone have experience regarding credit card debt?
I just found out that a friend of ours has about $50k in credit card debt on multiple credit cards.
What would be the options for them? I've heard consumer proposal and consolidation are some options, just seeing if you guys can help me narrow it down faster.
The thought of him paying 22% interest hurts my soul.
Or if you have a guy in the debt field, if you could send me his contact info. I want to try and get them on the right track asap.
If they've got ways to consolidate debt... say HELOC or LoC of anykind... do it.
Failing that, go talk to the bank saying that you can no longer afford this whole thing. Many of them have program in place to workout a plan (most importantly stop the 22% interest accumulation) to pay for everything.
And his/her lifestyle would change quite dramatically in the short term, but way better than just letting it rot.
I'm not sure if they've got any valuables they can sell... like collections of whatever. Find the right people to sell it for them and pay down their debt ASAP.
My ex used to work on bankruptcies... those debt consolidators like Sands are total sharks, they charge you SO MUCH to do literally anything, like lawyer levels of bad.
They're a profit business, they're not there to help you... it's for mouth breather stupid people who can't figure their own shit out.
Oh ... had no idea. So wait, these companies charge you to consolidate your debt and presumably work out a payment plan (what 70c on the dollar?) ... and then they charge you an arm and a leg for their fees ... how is poor guy in debt getting ahead?
Set him up with that mainlander girlfriend of your other friend. He's obviously so spend-thrift it'll be a perfect match for her gold diggin' ass.
You'll save cheapass Friend 1 from the gold digger and Friend 2 will be so pussy whipped he'll shape up in order to keep the poon training humming along.
Does anyone have experience regarding credit card debt?
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Originally Posted by bobbinka
PB single-handedly keeping RS entertained
I would like to know this guys income vs spending data.
Someone needs to sit down with him, and find out the core reason of that debt.
Im pretty ignorant, and my life is "easier" than alot of people struggling out there, but i have this belief that many people live WAY outside their means.
My friend had something like 10k debt while living at home, this blew my mind. And sure enough, it was a spending issue. This was years ago, he is on the right path now
__________________
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Originally Posted by Mr.Money i hate people who sound like they smoke meth then pretend like they matter.
Originally Posted by ilovebacon
Does anyone have a pair of 25 pounds one-inch hole for sale at a reasonable price?
Originally Posted by mikemhg
Clothes come off and my car is permeated with the smell of fillet-o-fish and canned tuna.
I remember shortly out of highschool I met this chick I was trying to date at work, got to know her was KIND OF dating… then one day she’s all stressed and she’s like oh yea ya know just bills and stuff
I’m like oh yea.. what’s up? She’s like oh well.. I’ve got student loans.. (she had no degree wasn’t going to school any more and was previously in some sort of art program)
She’s like well.. I owe 40… I’m like 40? $40??!? She’s like nah 40k
I’m like eehhhhhhhh… ok… this might not work
__________________
Dank memes cant melt steel beams
Does anyone have experience regarding credit card debt?
I just found out that a friend of ours has about $50k in credit card debt on multiple credit cards.
What would be the options for them? I've heard consumer proposal and consolidation are some options, just seeing if you guys can help me narrow it down faster.
The thought of him paying 22% interest hurts my soul.
Or if you have a guy in the debt field, if you could send me his contact info. I want to try and get them on the right track asap.
To save your soul, why don't you do your friend a solid and be his private lender. Charge him 20% interest. Returns are probably better than your stock portfolio.
Who gives a shit about their credit card debt problem. As long as you don’t have credit card debt you’re all good.
You know what I think it is? These days people don't ask engaging questions. I talked about this before, everyone just asks the same superficial questions that don't get an in-depth response. I genuinely want to know how your life is going and how you're doing.
If you ask the right questions, I find people want to talk about themselves and their highs and lows because they have no one to talk to about them, even if they have partners or spouses, so when I talk to them, they just spill the beans to me. I think it's like a free therapy session or something.
Quote:
Originally Posted by donk.
I would like to know this guys income vs spending data.
Someone needs to sit down with him, and find out the core reason of that debt.
Im pretty ignorant, and my life is "easier" than alot of people struggling out there, but i have this belief that many people live WAY outside their means.
My friend had something like 10k debt while living at home, this blew my mind. And sure enough, it was a spending issue. This was years ago, he is on the right path now
He makes just over $100k, his wife makes about $60k. He's a hard working guy, he's always been, but he just isn't smart with his money. He doesn't spend extravagantly, but I think they spend a lot on little things. I don't think he's gone on a vacation via airplane in years. They bought a $500k condo five ish years ago, so whatever that payment is now.
Quote:
Originally Posted by SSM_DC5
To save your soul, why don't you do your friend a solid and be his private lender. Charge him 20% interest. Returns are probably better than your stock portfolio.
I actually talked about this with one of our buddies about just paying off his debt, but I can't do that right now, I have my own financial goals and retirement plans. I need that $50k to compound and hopefully grow. My buddy flat out said no matter his net worth, he wouldn't pay it off, which I found interesting. He said, if you paid off his debt, he'd be back into the red a few years later.
Honestly, if I can get my net worth high enough, this is one of the guys where i'd pay his debt off scott free. Though, by that time his debt might be double to triple what it is now.. Who knows.
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
The banners on the left side and below do not show for registered users!
