[quote=Coronita][quote=scaredyclassic][quote=Coronita]Nah, you were just trying to be financially responsible, unlike most americans. Me? I’m trying to go through the hand motions of trying to do what a typical financially irresponsible american would be ,since it seems to have worked out well for them most of the time. So far, it seems to be working out ok, because while I could cover all these bills, if someone gives me freebies along the way, why not? Other people are doing the exact same thing…
“Covid impacted” seems to be the code word for unlocking financial benefits.
Like I said, don’t hate the player, hate the game.[/quote]
Maybe the proper trump like never pay your creditors maneuver is to never willingly pay any credit card debt. Dispute every single purchase.
Groceries? Cereal was stale.
Gas? Octane deficient.
Clothing? Pesticide covered irtitants.
Movie? Too loud. Damaged hearing.
Fast food? Clogged my arteries.
Let the credit card co. Figure it out w the merchants. If you even got 10% to give in itd be great.
It’s kind of evil, but everything does kind of suck in some way…maybe trump was right to never pay any of his Bills. Fuck everyone…they are here only to serve me. Although they believe they are my equal, the truth is, they are slaves. My slaves.
They should give me everything free.
I can take the extra cash and split it with my Buddhist monastery.[/quote]
This is the decision a lot of americans make all the time. Here’s a good example. There is this couple I know who is an acquaintance of a friend who. are example of everything wrong with america. He is a a salesman, she is a clerical worker, and combined, they probably make $80k/year (and that’s generous). They filed bankruptcy 2 times already (and it will be a third time very soon). Sounds sad, because they talk about how the financially struggle all the time, having no money left over for anything in SD… But if you peel back the onions, here’s their situation…
1. They have 4 cars, making payments on all of them. There’s only 2 of them +1 toddler.
2. They recently sold a late model reliable car for $5000 to trade in for a newer car with a larger and longer loan.
3. Every single time they move to a new rental, they throw all their old furniture (that is maybe 1-2 years old) away and buy new furniture on credit
4. They order huge portions of food for everything, and eat a little bit, and then throws every leftover away (because eattng leftover for them is too low class)
5. They told their landlord they can’t pay for rent in April and May, but the guy buys a brand new Peleton exercise bike via financing ($5000-6000)
6. They can’t pay rent, but they go to home depot buy new tile and cabinets and plan on replacing the kitchen cabinets and tile of the RENTAL house to something they want, and hope that the landlord will credit them for the home improvement, without first asking the landlord if that’s ok to do.
7. They can’t pay rent but the dude goes on a $10,000 meditation vacation to boost his “work morale”.
8. They can’t pay rent but the dude likes to act like a bigshot, says he’s a founder of a tech company, and buys everyone he doesn’t really know expensive gifts and wine drink etc (I looked him up. He never started a company. He was an employee at a company, wasn’t a co-founder, and was laidoff from that position years ago….
9. They can’t pay their tax bill, but they continue to pay $1500 for child care at a pre-k school even though all 3 of them are home, because only the best for their kid (that $1500 child care consists of 15 minute Zoom video conference with a child…Really????)
So, like I said, nothing you are doing in trying to get something for nothing isn’t already what most other americans are already doing. Given their chance to weasel out of paying something or getting something for free, even when they shouldn’t get it, they will totally abuse the fck out of it. And some of our politicians continue to enable this behavior. So for practical considerations, it’s a free for all for everyone. Go get yours….
Remember, just a few weeks ago, I posed the question about ethical and morale dilemma in the context of whether people who don’t really need it should get a mortgage forbearance, because they could. (even if they don’t need it) get one, given the inefficiencies of how the system is working to determine someone’s eligibility. And almost unanimously, everyone said “go for it”. It’s the same thing here. If you can (legally) benefit from EDD (which BTW you already paid the insurance premiums for every year for the past few years) or get a medical bill forbearance (considering your insurance already paid $15k when many people don’t pay anything for the ER visit, particularly uninsured undocumented people that clog up the ER), or if you want to skip paying some utility bills because they allow that, or take advantage of free unlimited data on a mobile phone… why not? Everyone else is doing it. Perfectly legal. In fact the money I’m going to milk from EDD and from medical co-pay waivers probably will be larger than the financial benefit of those mortgage forbearance that eventually still has to be paid….ha ha…. And when UI runs out…. People can go on paid family leave to take care of their shelter at home kid that can no longer go attend school. And drag that out of many more weeks…….ha ha….. In fact, I’m probably better at playing these games than most other people, if I really wanted to… And right now, I really want to….lol…So should you….
People return dead plants to Home Depot all the time. People return half eatten chickens to Costco all the time. People ask for full refund all the time from Legoland when the pizza only contains 4 pepperonis instead of 5 or more, like the previous lady in front of me did. Customer is always right in America!
Regarding credit card disputes. Disputes always get investigated, and depending on the card company some get resolved to your liking, others do not. IF you do try to dispute many times, you could get dropped. But during the disputes, it’s pretty much an interest free loan.[/quote]
I guess I dont have the heart to complain face to face.i could keep receipts and send form complaint letters…
