I'm way poorer than you guys if something happens where I need $10k I'm just fucked end of story
Don't feel bad
I make really good money, and I can't take a 10k hit at this moment. Maybe if I didn't have these student loans I might have a more robust rainy day savings, but I'm tapping a 401k if I have a 10k incident that my insurance doesn't cover.
zepherin on
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LudiousI just wanted a sandwich A temporally dislocated QuiznosRegistered Userregular
Ernest P. Worrell
working from home on a day most people prolly took off or are working from home due to the weather is nice.
Course the weather is real shit and due to my MIL's antics there's enough tension in this house to hold up a bridge
I have about 6 months of savings though.. I could afford to pay off sallie mae, but that's about it. They reneged on their settlement wanting more money, so monthly again it is.
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
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JacobkoshGamble a stamp.I can show you how to be a real man!Moderatormod
I'd much rather have the 3-6 month safety net than pay off remaining debt tbh. Having the roof over my head is more important than angry phone calls from sallie mae about not having their money.
bowen on
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
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cptruggedI think it has something to do with free will.Registered Userregular
So I went out shopping for sheets of overhead film or similar to use for wargaming stuff.
Then I started wondering if overhead projectors are even a thing any longer.
I guess for cheaply drawing stuff up in a college auditorium. But I wouldn't think printed text sheets on the overhead wouldn't be that prevalent as digital projection gets cheaper and cheaper.
You can defer student loan payments when shit hits the fan. You can't do that with credit cards so there is a difference
you can't defer private student loans, not really (you can for like 2 months)
Credit cards can be discharged in bankruptcy, and they will absolutely work with you if you have trouble paying. Sallie mae gets their money regardless because they're protected from discharges, they have no incentive to work with you, at all, so they don't, ever, unless you play the "I really don't give a fuck about my credit score, take me to court bitches" game. Then they do. Still not really, they try to settle for like 98% of the amount instead of like 25% a credit card company will do.
not a doctor, not a lawyer, examples I use may not be fully researched so don't take out of context plz, don't @ me
When you take a 10k hit you just make it look like an accident, push them down some stairs or something, or crimp the brake lines. No guns, that's too suspicious.
You should play Mysterium. Make the mouthiest person the ghost, who cannot speak for the whole game. They go slowly nuts.
Oh and Spyfall is super easy fun times.
Mysterium is so great. How much have you gotten to play? I can't wait till my group's next stab at it.
Alas, it turns out a blind guy makes a really shitty ghost, but I made a decent fist out of being a detective for some reason.
What's Spyfall all about?
We had one game of Mysterium, and I was the ghost. I was also the rules explainer. I did not speak after the pre-game explanation until the final round, I think, because my rules explanations are amazing. Occasionally sign language filled in the gaps. We solved it, but we were playing on easy mode. Awesome fun, though.
Spyfall is where there are like fifty locations and everyone gets a card with the same location except the spy who gets a card saying YOU ARE A SPY and people take it in turns to ask another player a question about where they are or what they're doing. The spy has to work out where they all are, and the other players have to work out who is the spy. If the spy figures it out he wins, and if everyone else guesses who the spy is they win. Oblique questions are the order of the day.
Vanguard have you played the new hearthstone adventure?
The chess match one was really neat.
i did! the chess was rad, but that prologue deck was just fucking bonkers
Protect the King! Is a sold card and i have been using it to make all of the aggro decks over the ladder cry when my board goes from empty to 7 3/3 taunts
we really shouldn't have monthly birthday treats on fridays because we have bagel fridays and i want to overindulge in both but it's a lot easier and less guilt inducing when they're on different days, nah mean?
poo
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cptruggedI think it has something to do with free will.Registered Userregular
Ernest Hemingway
After seeing the state of the house last night.
I think I'm gonna have to just understand that my wife probably won't have all her stuff packed and out tomorrow. House is probably gonna be trashed for another week.
Ah well. There are worse things in the world.
Just a little patience.. Yeeeeaaaaaaah :whistle:
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zepherinRussian warship, go fuck yourselfRegistered Userregular
you guys the trick is to lose everything so when you take a 10K hit there's nothing left to happen
hth
You are never more invulnerable than when you have nothing to lose.
I once settled a debt with that tactic. "I have absolutely nothing of value. My car is worth about 900 bucks, and I've got 3k in credit card debt and 20k in student loan debt. I will declare bankruptcy tomorrow if you can't cut this by 50%. I come out way ahead in a bankruptcy and I'm not going to need credit for another 5 or 6 years anyways."
Vanguard have you played the new hearthstone adventure?
The chess match one was really neat.
i did! the chess was rad, but that prologue deck was just fucking bonkers
Protect the King! Is a sold card and i have been using it to make all of the aggro decks over the ladder cry when my board goes from empty to 7 3/3 taunts
that prologue deck really made you feel like a badass Mage
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ChanusHarbinger of the Spicy Rooster ApocalypseThe Flames of a Thousand Collapsed StarsRegistered Userregular
Ernest P. Worrell
good morning
heat index of 105
what the fuck? chrome has made Alt-4 the new back hotkey?
you guys the trick is to lose everything so when you take a 10K hit there's nothing left to happen
hth
You are never more invulnerable than when you have nothing to lose.
I once settled a debt with that tactic. "I have absolutely nothing of value. My car is worth about 900 bucks, and I've got 3k in credit card debt and 20k in student loan debt. I will declare bankruptcy tomorrow if you can't cut this by 50%. I come out way ahead in a bankruptcy and I'm not going to need credit for another 5 or 6 years anyways."
Posts
I make really good money, and I can't take a 10k hit at this moment. Maybe if I didn't have these student loans I might have a more robust rainy day savings, but I'm tapping a 401k if I have a 10k incident that my insurance doesn't cover.
Course the weather is real shit and due to my MIL's antics there's enough tension in this house to hold up a bridge
Build a bridge out ov 'er!
I have about 6 months of savings though.. I could afford to pay off sallie mae, but that's about it. They reneged on their settlement wanting more money, so monthly again it is.
Mysterium is so great. How much have you gotten to play? I can't wait till my group's next stab at it.
Alas, it turns out a blind guy makes a really shitty ghost, but I made a decent fist out of being a detective for some reason.
What's Spyfall all about?
I guess for cheaply drawing stuff up in a college auditorium. But I wouldn't think printed text sheets on the overhead wouldn't be that prevalent as digital projection gets cheaper and cheaper.
example:
seriously why cant bagels all the time forever
yeah but then you file bankrupty and start over
learn 2 capitlsim
I can take a 1k hit, and PBJ it for 2 weeks to recover the money.
10k is a lot of money to just cough up.
When have i ever been rude
you can't defer private student loans, not really (you can for like 2 months)
Credit cards can be discharged in bankruptcy, and they will absolutely work with you if you have trouble paying. Sallie mae gets their money regardless because they're protected from discharges, they have no incentive to work with you, at all, so they don't, ever, unless you play the "I really don't give a fuck about my credit score, take me to court bitches" game. Then they do. Still not really, they try to settle for like 98% of the amount instead of like 25% a credit card company will do.
here is some news that is positive and not negative
listen the college i went to it was very good very good alright great even
i'd prefer not reveal that information but they have the best courses you'll just have to trust me i have a very good brain
OH GOD SHOOT ME!
But at least I am at home.
Because the government said it was too hot to have people come to work.
*With the metro having no AC in stations this is probably true
hth
Boss was upset I took a day off because "now we're so far behind"
yet interrupting me 8 times a day doesn't put me behind
god why the fuck will no one give me a job, I need to get out ASAP
(2 more people put in 2 weeks notices)
The chess match one was really neat.
We had one game of Mysterium, and I was the ghost. I was also the rules explainer. I did not speak after the pre-game explanation until the final round, I think, because my rules explanations are amazing. Occasionally sign language filled in the gaps. We solved it, but we were playing on easy mode. Awesome fun, though.
Spyfall is where there are like fifty locations and everyone gets a card with the same location except the spy who gets a card saying YOU ARE A SPY and people take it in turns to ask another player a question about where they are or what they're doing. The spy has to work out where they all are, and the other players have to work out who is the spy. If the spy figures it out he wins, and if everyone else guesses who the spy is they win. Oblique questions are the order of the day.
Choose Your Own Chat 1 Choose Your Own Chat 2 Choose Your Own Chat 3
i did! the chess was rad, but that prologue deck was just fucking bonkers
Protect the King! Is a sold card and i have been using it to make all of the aggro decks over the ladder cry when my board goes from empty to 7 3/3 taunts
I think I'm gonna have to just understand that my wife probably won't have all her stuff packed and out tomorrow. House is probably gonna be trashed for another week.
Ah well. There are worse things in the world.
Just a little patience.. Yeeeeaaaaaaah :whistle:
I once settled a debt with that tactic. "I have absolutely nothing of value. My car is worth about 900 bucks, and I've got 3k in credit card debt and 20k in student loan debt. I will declare bankruptcy tomorrow if you can't cut this by 50%. I come out way ahead in a bankruptcy and I'm not going to need credit for another 5 or 6 years anyways."
Bah, humbug.
that prologue deck really made you feel like a badass Mage
heat index of 105
what the fuck? chrome has made Alt-4 the new back hotkey?
i can't type the degrees symbol anymore?
fuck this browser
i forgot what i was going to say
pretty much.
i guess there's debtors prison.
jesus fucking christ
REALLY
THIS ISN'T COMPLETELY REDUCIBLE TO SIMPLE MATH AND TRUTH TABLES /flips table parabolically
*Starts making margaritas.*