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Life's Horrors
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Samsally



Joined: 10 Jul 2006
Posts: 6440

PostPosted: Mon Apr 29, 2013 5:07 am    Post subject: Reply with quote

(Oh god I started a new page with this story, I'm so ashamed.)

When I was in college I promised a friend I'd go to prom with him as his date (I was like three years older than him so this was weird for me but I wanted him to be able to go) and he canceled without telling me and then disappeared to go play laser tag with his friends or something (sooo I made the 2.5 hour trip for nothing). Then he invited me to dinner to make up for it.

Midway through the evening his dad practically BURST into the house with a GIGANTIC pizza. I was totally confused, I had thought we were cooking dinner. His dad then did the equivalent of "HAVE FUN KIDS" and disappeared again.

It was only several days later I found out his dad had saved me from being fed cow tongue. Like apparently this guy's apology was to feed me cow tongue but not tell me what it was.

Kid had his heart in the right place but man would I have been pissed. I feel kind of bad I never had the chance to thank his dad.
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Pint



Joined: 06 Apr 2012
Posts: 614

PostPosted: Mon Apr 29, 2013 5:29 am    Post subject: Reply with quote

My horror... My sister has asked me to consign a medical credit card. While I love my sister dearly, she does not always make sound decisions when it comes to money. She wants to get Invisalign and says her fiancé (who is out of the country at the moment) will make the payments and I have nothing to worry about. My heart says go ahead and consign and my brain wants to slow it down a bit. If she doesn't pay it off during promo period, it's 26.99% apr. Oooo and she told me yesterday, but when I started my research tonight, she stated that she hoped to have the card/money by tomorrow. It's always a sticky situation with family and finances.... Any unbiased advice?
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Dro



Joined: 10 Jul 2006
Posts: 3854

PostPosted: Mon Apr 29, 2013 5:55 am    Post subject: Reply with quote

Sounds like a bad thing, pint. Medical credit cards have a horrible reputation (see http://www.dailyfinance.com/2013/03/29/medical-credit-cards-debt-problems/ for example... can you believe the 26% interest might be retroactive to the full amount and not just the balance?) and to get you and your financial health sucked in for something like a pricey option like invisalign doesn't, as you say, speak to her making pragmatic decisions about spending. This isn't an emergency, so she should have the fiance put aside some cash each month if it really is so important.
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Usagi Miyamoto



Joined: 09 Jul 2006
Posts: 2225
Location: wish you were here

PostPosted: Mon Apr 29, 2013 9:01 am    Post subject: FTC: up to 3/4 of cosigners are asked to pay. Reply with quote

Pint wrote:
... Any unbiased advice?
Don't do it.
Don't even think about it.
Just don't.

Your sister wouldn't be talking to you if her credit was good enough to finance it on her own. Cosigning a loan means you agree to take on 100% of the debt, including all interest and fees. And the 26.99% rate is just the regular rate on the credit card. The rate you need to worry about is the default rate, which can come into play if a single payment is missed. In many states it can be truly usurious, and applies to the entire amount from the beginning of the loan - all of which can be due immediately, if she doesn't pay on time. Could you handle a request for that much money all at once?

Medical practices that sign people up to these medical credit cards get the benefits of being paid up front and handing off the dirty work of collections to others. They don't quite make the bar for a scam, but they're certainly a potential conflict of interest for doctors.

If you are willing to pay for your sister's lovely smile, that's up to you, but I recommend you choose an easier way to finance it.
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DeD CHiKn



Joined: 04 Aug 2006
Posts: 10225
Location: Baltimore, Maryla*gunshot*

PostPosted: Mon Apr 29, 2013 11:21 am    Post subject: Reply with quote

Samsally wrote:
I actually refuse to eat shellfish -because- they remind me so much of bugs. The only exception is crab cakes because they are so far removed from looking like bugs I can accept the disconnect.


My wife is very picky about food. Not to say she won't eat whatever I make, I just have to make it not look gross.

She won't eat shrimp if they are too big, but if I cut them up prior they are fine. I bought fish one time where the texture of the fish in a cross cut made her think of something else so she refused to finish it.
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Pint



Joined: 06 Apr 2012
Posts: 614

PostPosted: Mon Apr 29, 2013 2:16 pm    Post subject: Re: FTC: up to 3/4 of cosigners are asked to pay. Reply with quote

Thanks Usagi and Dro. I think I just needed to see it from another point of view. You are right, it's not an emergency, and if it's something she really wants then she'll save up for it. The card seemed like a scam the more and more I researched it. I just couldn't figure out why that seemed to be her only option and such short notice. Oh wells, my credit will survive another day and she'll get over it. Rolling Eyes
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Yorick



Joined: 11 Jul 2006
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PostPosted: Thu May 02, 2013 2:18 am    Post subject: Reply with quote

someday I will learn not to let people into my life and then build them up in my head to the point that imagined slights wreck me
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mouse



Joined: 10 Jul 2006
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PostPosted: Thu May 02, 2013 2:37 am    Post subject: Reply with quote

ever since we changed from monthly to biweekly pay, my savings accounts are hemorrhaging money. yes, it's less money/month, but it shouldn't be _that_ much less money...wtf?
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Lasairfiona



Joined: 09 Jul 2006
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Location: I have to be somewhere? ::runs around frantically::

PostPosted: Fri May 03, 2013 2:36 am    Post subject: Reply with quote

mouse - do you have your standard bills ALL coming out at the beginning of the month? That would do it I think.
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Lasairfiona



Joined: 09 Jul 2006
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PostPosted: Fri May 03, 2013 2:37 am    Post subject: Reply with quote

Yorick wrote:
someday I will learn not to let people into my life and then build them up in my head to the point that imagined slights wreck me

Yes, this is very bad on many levels. You shouldn't do it. Talk to them instead rather than imagining them.
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mouse



Joined: 10 Jul 2006
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PostPosted: Fri May 03, 2013 8:33 pm    Post subject: Reply with quote

Lasairfiona wrote:
mouse - do you have your standard bills ALL coming out at the beginning of the month? That would do it I think.

i switched my mortgage payments so those are now biweekly - which comes to a little bit more/month than the monthly payments (i am now paying 13 installments over 12 months, instead of 12) - i was already paying some extra, but this comes to ~$20/month more. some of the bills i can pay in the second half - but one of the nasty things about biweekly, is that the time frame keeps shifting - first paycheck for may won't come until the 8th. so the 2nd april check has to cover not only the last half of april, but the first part of may.

of course, as the university assures me, i'm still being paid the same, my pay just 'lags'. they don't seem to get that my bills don't.

AND...just got notice they are upping our share of the pension pay-in, starting in july. in june, they are upping the parking permit fees.

i'm so glad i work for a place that keeps telling us how valuable and integral we are to the place. i'd hate to think how they would treat me if they _didn't_ value me so much.
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Usagi Miyamoto



Joined: 09 Jul 2006
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PostPosted: Fri May 03, 2013 11:59 pm    Post subject: Reply with quote

My first "real" job paid biweekly, which was a pain for the regular bills that came once a month, but it was nice when a month had three paychecks in it, which happened twice a year. Some of the contracting outfits I was with would pay weekly, which had its own quirks for budgeting, when, for instance, the housing payment was more than one paychecks' worth of net take-home pay. The toughest budgeting by far was when I was a partner in a small firm. I got paid quarterly, and the amounts could vary quite a bit with the fortunes of our business. Beats farming, though, which might only pay once a year.

I don't have any advice for the biweekly paychecks, other than to try to up the float in your checking account by living leaner for a while to account for the mismatch with bill cycles. The extra mortgage costs won't help with the pain, but will shorten the term some, which you will appreciate when it's paid off. If the minimum balance in checking over the course of a month is about equal to the net on one paycheck, I think you're doing it right. I don't always manage this, but it seems like a reasonable rule of thumb for dealing with the vagaries of life.
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mouse



Joined: 10 Jul 2006
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PostPosted: Sat May 04, 2013 12:07 am    Post subject: Reply with quote

yeah, the 'minimum balance' thing is the problem. our first 3-check month is july; hopefully i can hang on to some of that. in the meantime, as you say, i just have to find places to trim things.

of course, it also doesn't help that things have gradually been getting tighter and tighter because we haven't gotten cost-of-living raises in ... well, i think the last one was 2005. so in real terms, my pay has been steadily declining.
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Mini J



Joined: 09 Jul 2006
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Location: Toronto, ON

PostPosted: Sun May 05, 2013 3:02 am    Post subject: Reply with quote

You say "cost of living increase", but what I hear is "America-hating socialist".
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Dogen



Joined: 10 Jul 2006
Posts: 10717
Location: Bellingham, WA

PostPosted: Sun May 05, 2013 4:20 am    Post subject: Reply with quote

Just got my financial aid letter... Estimated cost of attendance: $66k/year.* Stafford loans awarded: $6k/year.

So... now I spend my Saturday researching third party loans. Mmm... loan term agreements. Is there any better way to spend a weekend?



* for the first three years, then it goes down to $57k! Unless tuition and fees go up, but how often does that happen, amirite?! Hahaha... oh crap.
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