Author Topic: Overheard on Facebook  (Read 2234524 times)

Workinghard

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Re: Overheard on Facebook
« Reply #1650 on: February 15, 2015, 04:20:52 AM »
i'm sure it had more to do with being pushed into the next tax bracket. if you work enough OT to do that, you can actually lose money by going over.

Let me guess- you have never done your own tax return, have you.....

My ( unasked for) advice...

"Proceed to the nearest tax calculator, and input your annual base salary, repeat with the largest overtime salary included.  Do not pass go, do not collect $200"

Here, let me help, this is the very first link I could find...

Nice calculators! Thanks for sharing.
http://www.irscalculators.com/tax-brackets-calculator.php

This one has a neat slider

http://www.bankrate.com/calculators/tax-planning/quick-tax-rate-calculator.aspx

Primm

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Re: Overheard on Facebook
« Reply #1651 on: February 15, 2015, 05:41:45 AM »
I got a pay rise last year that resulted in my take-home pay reducing. It wasn't to do with taxes so much as with the way student loans to the government are payed back in Australia.

Before the pay increase I was below the threshold for making payments (just). After the pay rise I had an extra 4% of my income taken out with my tax.

Sure I'm reducing my student debt but with the way our student loans are set up, I'd rather the extra money now.

Me too. Small pay rise into the next higher marginal tax range and the next highest HECS payment threshold = ever so slightly lower take home pay. Like you said, my debt is getting paid off quicker, but it still resulted in less money being paid into my bank account each fortnight.

merula

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Re: Overheard on Facebook
« Reply #1652 on: February 15, 2015, 06:46:58 AM »
i'm sure it had more to do with being pushed into the next tax bracket. if you work enough OT to do that, you can actually lose money by going over.

Being pushed into 'the next tax bracket' only affects the dollars you earn in that bracket.  It doesn't mean your entire income is now taxed at the new marginal rate.

Your earnings will get withheld at a higher rate (as if you earned like that the whole year). This can appear as if you're getting taxed more, thus the confusion!
A lot of people believe that paycheck withholding is what your taxes are, and your tax refund is some magical gift of money where the amount is determined by what tax prep service you use.
« Last Edit: August 19, 2016, 12:53:25 PM by merula »

zolotiyeruki

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Re: Overheard on Facebook
« Reply #1653 on: February 15, 2015, 12:28:08 PM »
......  I make a habit of changing the genders on the stories I tell, in the hopes that on the off chance the subject ever reads it, they don't recognize themselves. So, ummm, way to go with your assumptions...

Balance of probability...

zephyr911

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Re: Overheard on Facebook
« Reply #1654 on: February 16, 2015, 07:19:57 AM »
An ex-coworker of mine just posted a GoFundMe for... wait for it... $1,000 worth of All-Clad cookware.

"My beautiful stove needs companions that are fitting for it, so I need a little help to make this love story happen."

She makes over $100k/year. Single, no kids, had a full-ride scholarship AFAIK.

5 previous FB posts: picture of expensive food in a city 3,000 mi away (x3), picture of city's skyline, picture of a new condo in a high-rise in a major metropolitan area.
Most appropriate comment: Go Fund Yourself!

(credit where due: is title of recent South Park episode, not my creation)
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rocksinmyhead

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Re: Overheard on Facebook
« Reply #1655 on: February 16, 2015, 10:37:26 AM »
i'm sure it had more to do with being pushed into the next tax bracket. if you work enough OT to do that, you can actually lose money by going over.

Being pushed into 'the next tax bracket' only affects the dollars you earn in that bracket.  It doesn't mean your entire income is now taxed at the new marginal rate.

Your earnings will get withheld at a higher rate (as if you earned like that the whole year). This can appear as if you're getting taxed more, thus the confusion!
A lot of people believe that paycheck withholding is what your taxes are, and your tax refund is some magical gift of money where the amount is determined by what tax prep service you use.

hahahaha... hilarious but sadly true.

iowajes

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Re: Overheard on Facebook
« Reply #1656 on: February 17, 2015, 08:57:15 AM »
This wasn't on facebook, but it goes with the current "taxed more, it isn't even worth it" conversation.

My husband received a $100 bonus from his company.  But he never got it.

Turns out, they put it in a separate $100 paycheck instead of adding it to an existing paycheck.

Due to some tax issues in past years (edit to clarify: we don't owe back taxes, merely we both take on weird freelance assignments/change jobs with frequency that we've had trouble figuring out how to get our taxes to 0 with standard withholdings, so he just calculated what to have withheld numerically), he has an extra $150 withheld from each of his paychecks.  So his entire bonus was withheld, since it was treated as a  very small paycheck.

Of course, we know that he'll either get it back at tax time, or it will just go to the tax liability we already have- but it's pretty darn funny that his entire paycheck was taken up by taxes. 

Stupid bonus- just caused us to pay more.... ;)
« Last Edit: February 18, 2015, 08:24:32 AM by iowajes »

Goldielocks

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Re: Overheard on Facebook
« Reply #1657 on: February 17, 2015, 04:32:28 PM »
This wasn't on facebook, but it goes with the current "taxed more, it isn't even worth it" conversation.

My husband received a $100 bonus from his company.  But he never got it.

Turns out, they put it in a separate $100 paycheck instead of adding it to an existing paycheck.

Due to some tax issues in past years, he has an extra $150 withheld from each of his paychecks.  So his entire bonus was withheld, since it was treated as a  very small paycheck.

Of course, we know that he'll either get it back at tax time, or it will just go to the tax liability we already have- but it's pretty darn funny that his entire paycheck was taken up by taxes. 

Stupid bonus- just caused us to pay more.... ;)

Ha,  I heard the same.   Here, some parents were complaining that they were not going to get their goverment "teacher strike" cheques (per diem money to parents for evey day that the teachers were locked out by the government, for kids under 13).

Why?  Because the government was going to claw back 100% if they owed past taxes -- So they weren't going to even apply! Protest! 
Huh -- not much of a protest, and they missed on the tax liability reduction, too.

MayDay

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Re: Overheard on Facebook
« Reply #1658 on: February 18, 2015, 09:22:20 AM »
I have a Facebook friend who has two kids, is in school, divorced, and has very little money living off student loans. She is regularly doing things like dyeing her hair and getting new shoes, but I give her the benefit of doubt and assume it's all from thrift stores, etc.

Today she posted "burning man tickets go on sale today! Should I buy one even though I don't know how I'd get there and who would watch the kids for a month?"

I tried to restrain myself but ended up responding "I wouldn't. Getting out there and all the gear will be expensive, and you know me, I'm boring, I'd make sure I had retirement and emergency savings before I spent money on a trip".

No response yet.
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SpicyMcHaggus

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Re: Overheard on Facebook
« Reply #1659 on: February 18, 2015, 09:46:41 AM »
An ex-coworker of mine just posted a GoFundMe for... wait for it... $1,000 worth of All-Clad cookware.

"My beautiful stove needs companions that are fitting for it, so I need a little help to make this love story happen."

She makes over $100k/year. Single, no kids, had a full-ride scholarship AFAIK.

5 previous FB posts: picture of expensive food in a city 3,000 mi away (x3), picture of city's skyline, picture of a new condo in a high-rise in a major metropolitan area.
Most appropriate comment: Go Fund Yourself!

(credit where due: is title of recent South Park episode, not my creation)

I went thru the process just for fun.
gofundme.com/mp0wd0

It's strange how they don't ask you why you can't do it yourself...
ET ERE: 5yrs

jennifers

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Re: Overheard on Facebook
« Reply #1660 on: February 18, 2015, 12:07:12 PM »
Response to someone asking if they should buy a new car even though their current car works fine:

 "Money comes and money goes ... The memories and feelings of your in new car will stay forever."

Davids

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Re: Overheard on Facebook
« Reply #1661 on: February 18, 2015, 01:04:03 PM »
Response to someone asking if they should buy a new car even though their current car works fine:

 "Money comes and money goes ... The memories and feelings of your in new car will stay forever."
Technically that is correct as long as one does not develop Alzheimer's.

zolotiyeruki

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Re: Overheard on Facebook
« Reply #1662 on: February 18, 2015, 02:08:35 PM »
Response to someone asking if they should buy a new car even though their current car works fine:

 "Money comes and money goes ... The memories and feelings of your in new car will stay forever."
Technically that is correct as long as one does not develop Alzheimer's.
LOL!  Of course, the statement sets up a false dichotomy by implying that if you don't spend it on the car, you'll spend it on something else of equal or lesser value at the same time.  I mean, who in their right mind keeps the old car and invests their money for retirement, right?

tanhanivar

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Re: Overheard on Facebook
« Reply #1663 on: February 18, 2015, 04:56:29 PM »
i'm sure it had more to do with being pushed into the next tax bracket. if you work enough OT to do that, you can actually lose money by going over.

Being pushed into 'the next tax bracket' only affects the dollars you earn in that bracket.  It doesn't mean your entire income is now taxed at the new marginal rate.
+1

This misconception drives me crazy.


It can also trigger other obligations, such as higher repayment rates on government loans (such as higher education loans in Australia). A few people I know got into difficulties when they got a raise, which pushed them into a higher tax bracket, which increased the percentage repayments their employer had to make on their behalf. This did mean their overall takehome pay was reduced. But then, so was their debt.

k-vette

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Re: Overheard on Facebook
« Reply #1664 on: February 18, 2015, 05:33:54 PM »
My wife had a cooking class recently with a group of women.  When they were done, one lady was "helping" clean up and threw the leftover food away - in the trash!  She wrapped it up in napkins and tossed it.  My wife dug it out when they left...  when I say leftovers, I dont mean what was on peoples plates - this was fresh stuff no one put on a plate yet.

Now to the FB part.  I thought maybe it was a fluke, but nope, this same person posted the following:

"Last night I made lasagna for dinner, but after assembling it all, I had some ingredients left over.  So, I decided to make lasagna rolls.  I had never made them before.  They turned out delicious and the kids LOVED them!  Plus, since I ended up using all of the extra ingredients, I ended up with enough leftovers for us to have another dinner this week since the hubby is out of town.  Success!  I am going to start using all of my extra ingredients from now on rather than tossing them out."

She normally throws away enough food for two more meals! ?
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johnny847

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Re: Overheard on Facebook
« Reply #1665 on: February 18, 2015, 05:58:13 PM »
i'm sure it had more to do with being pushed into the next tax bracket. if you work enough OT to do that, you can actually lose money by going over.

Being pushed into 'the next tax bracket' only affects the dollars you earn in that bracket.  It doesn't mean your entire income is now taxed at the new marginal rate.
+1

This misconception drives me crazy.


It can also trigger other obligations, such as higher repayment rates on government loans (such as higher education loans in Australia). A few people I know got into difficulties when they got a raise, which pushed them into a higher tax bracket, which increased the percentage repayments their employer had to make on their behalf. This did mean their overall takehome pay was reduced. But then, so was their debt.
There are income based repayment plans here in the US as well, so that can certainly happen. Another example is financial aid for college tuition.
But strictly speaking, these are not taxes, and not the common misconception we were addressing

rocksinmyhead

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Re: Overheard on Facebook
« Reply #1666 on: February 19, 2015, 07:38:52 AM »
My wife had a cooking class recently with a group of women.  When they were done, one lady was "helping" clean up and threw the leftover food away - in the trash!  She wrapped it up in napkins and tossed it.  My wife dug it out when they left...  when I say leftovers, I dont mean what was on peoples plates - this was fresh stuff no one put on a plate yet.

OMG this hurts my soul. I looooove good leftovers.

horsepoor

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Re: Overheard on Facebook
« Reply #1667 on: February 19, 2015, 09:58:11 AM »
My wife had a cooking class recently with a group of women.  When they were done, one lady was "helping" clean up and threw the leftover food away - in the trash!  She wrapped it up in napkins and tossed it.  My wife dug it out when they left...  when I say leftovers, I dont mean what was on peoples plates - this was fresh stuff no one put on a plate yet.

Now to the FB part.  I thought maybe it was a fluke, but nope, this same person posted the following:

"Last night I made lasagna for dinner, but after assembling it all, I had some ingredients left over.  So, I decided to make lasagna rolls.  I had never made them before.  They turned out delicious and the kids LOVED them!  Plus, since I ended up using all of the extra ingredients, I ended up with enough leftovers for us to have another dinner this week since the hubby is out of town.  Success! I am going to start using all of my extra ingredients from now on rather than tossing them out."

She normally throws away enough food for two more meals! ?

WTF?!  Like, use half a block of cheese and half a pound of pasta and throw the rest away?

MgoSam

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Re: Overheard on Facebook
« Reply #1668 on: February 19, 2015, 10:13:47 AM »
My wife had a cooking class recently with a group of women.  When they were done, one lady was "helping" clean up and threw the leftover food away - in the trash!  She wrapped it up in napkins and tossed it.  My wife dug it out when they left...  when I say leftovers, I dont mean what was on peoples plates - this was fresh stuff no one put on a plate yet.

Now to the FB part.  I thought maybe it was a fluke, but nope, this same person posted the following:

"Last night I made lasagna for dinner, but after assembling it all, I had some ingredients left over.  So, I decided to make lasagna rolls.  I had never made them before.  They turned out delicious and the kids LOVED them!  Plus, since I ended up using all of the extra ingredients, I ended up with enough leftovers for us to have another dinner this week since the hubby is out of town.  Success!  I am going to start using all of my extra ingredients from now on rather than tossing them out."

She normally throws away enough food for two more meals! ?

At least she's learning.

SailorGirl

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Re: Overheard on Facebook
« Reply #1669 on: February 19, 2015, 10:28:58 AM »
Collected from a number of posts on a group I'm part of:

She's recently divorced and their "sweat equity" house was foreclosed on (how do you lose a house that was almost given to you?)
Just had a baby with her new boyfriend, bringing the total to six.
Boyfriend makes minimum wage.  Ex-husband makes a bit more than minimum.
She, boyfriend, ex and four of the kids are living in a one-bedroom house.  Two of the kids are living with friends.

With three adults in the house, I asked why she couldn't get a job while the men were at home to take care of the kids.  Her answer - "Because my kids need a mom!!!".

So three adults, two adult children and only two jobs among all of them.   

Personally I'd rather dig ditches with the baby strapped to my back to avoid living in that situation.

Her latest post:
Can't wait to go to ****  with my sweetheart, stay in nice hotels and surprise him with all the amazing things I have planned!  Leaving just after my iPhone arrives in the post!
Follow my adventures and see some cool pictures!   http://rigadoonrv.blogspot.com/

marketnonsenses

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Re: Overheard on Facebook
« Reply #1670 on: February 19, 2015, 10:45:01 AM »
CW: "I got side job. It's 10 hours a week, and pays [roughly 2/3 current pay]"

me: "Why not take 10 hours of overtime here a week and get paid time and a half of your current rate?"

CW: "Because then the government would get all the extra in taxes."

I know someone who has access to unlimited overtime at a pretty good rate. His wife works 1.5 hours away for 4 hours a day at min wage. I ask him why doesnt he just work a few hours overtime and she can stay home and take care of the kid, cook, and stuff. He works zero overtime

The reasons 1. They need the money (broke me on that one) 2. Taxes will be too much and he wont see any overtime 3. Why should she get to stay home all day and him do all the work.

dragoncar

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Re: Overheard on Facebook
« Reply #1671 on: February 19, 2015, 11:22:13 AM »
CW: "I got side job. It's 10 hours a week, and pays [roughly 2/3 current pay]"

me: "Why not take 10 hours of overtime here a week and get paid time and a half of your current rate?"

CW: "Because then the government would get all the extra in taxes."

I know someone who has access to unlimited overtime at a pretty good rate. His wife works 1.5 hours away for 4 hours a day at min wage. I ask him why doesnt he just work a few hours overtime and she can stay home and take care of the kid, cook, and stuff. He works zero overtime

The reasons 1. They need the money (broke me on that one) 2. Taxes will be too much and he wont see any overtime 3. Why should she get to stay home all day and him do all the work.

Ive started asking my wife why she doesn't work some overtime so I can stay home all day.  She's not amused.

solon

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Re: Overheard on Facebook
« Reply #1672 on: February 19, 2015, 12:18:42 PM »
CW: "I got side job. It's 10 hours a week, and pays [roughly 2/3 current pay]"

me: "Why not take 10 hours of overtime here a week and get paid time and a half of your current rate?"

CW: "Because then the government would get all the extra in taxes."

I know someone who has access to unlimited overtime at a pretty good rate. His wife works 1.5 hours away for 4 hours a day at min wage. I ask him why doesnt he just work a few hours overtime and she can stay home and take care of the kid, cook, and stuff. He works zero overtime

The reasons 1. They need the money (broke me on that one) 2. Taxes will be too much and he wont see any overtime 3. Why should she get to stay home all day and him do all the work.

So much wrong with this! I wish I could sit that guy down and explain some things to him!

NonprofitER

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Re: Overheard on Facebook
« Reply #1673 on: February 19, 2015, 01:37:19 PM »
While I generally try not to take notice of other people's sad FB posts, this one struck me so significantly, I couldn't turn away and had to share:

Acquaintance on FB is unemployed but receives some governmental assistance for a mental health disability (no problem there).  She - I'll call her "Sally" - is married and has two children.  For the last 12 months, Sally and partner have claimed to be "getting serious" about Dave Ramsey's plan - interspersed with impulsive posts about going out to eat/ vacations/ etc. (Fine, no problem, ignore/hide Sally's posts from my feed to avoid becoming a financial voyeur). 

Then, a mutual friend 'liked' Sally's recent posts, which led me to re-look at her page where she:
~ is excited to receive their impending tax return so they can finally be at Dave Ramsey Step 1 (save $1000).... after what I assume has been 12 months of trying to save $1000
~ has just purchased a 47" flat screen TV from Amazon with multiple year warranty (the cliches run deep)
~ is excited to receive impending tax return so they can get caught up on backdated $1200 bill they owe the electric company
~ posts updates about her extensive tattoo artwork being done (for I assume, hundreds of dollars)
~ would like to grow their family by another child asap, but implies this will require financial and reproductive assistance.  I get the sense this post was directed at an in-law.

and finally, the icing on the cake:
~ Sally and her partner have posted a link to a crowdfunding site (IE, indiegogo, gofundme) where they have asked others to contribute to a ~$15,000 goal for a down payment on a home

Via her link on FB, Sally claims people should contribute to their down payment (of $0) because of their recent financial turn around (?) and because they are a 1 income family trying to make ends meet.

I feel sad looking in on her life, but also astonished that she (and her partner) share these bits and pieces so publicly.  Amount raised so far from family/friends: $0 

Edited to clarify Sally created her own crowdfunding page
« Last Edit: February 19, 2015, 02:16:13 PM by NonprofitER »

MgoSam

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Re: Overheard on Facebook
« Reply #1674 on: February 19, 2015, 01:48:10 PM »

I feel sad looking in on her life, but also astonished that she (and her partner) share these bits and pieces so publicly.  Amount raised so far from family/friends: $0

I hope that is stays that way, especially as this appears to be enabling her. Also, if her family sets up a page, why wouldn't they put some money themselves?

marty998

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Re: Overheard on Facebook
« Reply #1675 on: February 19, 2015, 02:12:16 PM »
Collected from a number of posts on a group I'm part of:

She's recently divorced and their "sweat equity" house was foreclosed on (how do you lose a house that was almost given to you?)
Just had a baby with her new boyfriend, bringing the total to six.
Boyfriend makes minimum wage.  Ex-husband makes a bit more than minimum.
She, boyfriend, ex and four of the kids are living in a one-bedroom house.  Two of the kids are living with friends.

With three adults in the house, I asked why she couldn't get a job while the men were at home to take care of the kids.  Her answer - "Because my kids need a mom!!!".

So three adults, two adult children and only two jobs among all of them.   

Personally I'd rather dig ditches with the baby strapped to my back to avoid living in that situation.

Her latest post:
Can't wait to go to ****  with my sweetheart, stay in nice hotels and surprise him with all the amazing things I have planned!  Leaving just after my iPhone arrives in the post!

Shoot me now, the world is doomed. The ferals are outbreeding us LOL

NonprofitER

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Re: Overheard on Facebook
« Reply #1676 on: February 19, 2015, 02:14:28 PM »

I feel sad looking in on her life, but also astonished that she (and her partner) share these bits and pieces so publicly.  Amount raised so far from family/friends: $0

I hope that is stays that way, especially as this appears to be enabling her. Also, if her family sets up a page, why wouldn't they put some money themselves?

Well, by family I mean Sally and her partner created the page themselves... to raise money for themselves... #awkward

FrozenBits

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Re: Overheard on Facebook
« Reply #1677 on: February 19, 2015, 02:42:22 PM »

I feel sad looking in on her life, but also astonished that she (and her partner) share these bits and pieces so publicly.  Amount raised so far from family/friends: $0

I hope that is stays that way, especially as this appears to be enabling her. Also, if her family sets up a page, why wouldn't they put some money themselves?

Well, by family I mean Sally and her partner created the page themselves... to raise money for themselves... #awkward

I hate it when I see someone I know having a gofundme for themselves.  Especially when its for like tires for their car or something along those lines...

marketnonsenses

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Re: Overheard on Facebook
« Reply #1678 on: February 20, 2015, 05:58:07 AM »

I feel sad looking in on her life, but also astonished that she (and her partner) share these bits and pieces so publicly.  Amount raised so far from family/friends: $0

I hope that is stays that way, especially as this appears to be enabling her. Also, if her family sets up a page, why wouldn't they put some money themselves?

Well, by family I mean Sally and her partner created the page themselves... to raise money for themselves... #awkward

I hate it when I see someone I know having a gofundme for themselves.  Especially when its for like tires for their car or something along those lines...

I saw on FB someone I knew had a gofundme for his family. The was wanted to go to beauty school. So she quit her job. Now they have a gofundme to pay some bills and for the school. she quit her job for a school she was not going to yet and couldnt afford. I unfriend them.

LiveLean

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Re: Overheard on Facebook
« Reply #1679 on: February 20, 2015, 07:31:26 AM »
A woman I know recently ranted on Facebook about how someone in Target swiped her Coach bag out of her cart. The bag had, among other things, $3,000 in cash. She has used her parents money to buy a smoothie franchise (since gone under) and a running store (hanging on to make it).

Her main gig? Financial planner.
Living lean at www.tolivelean.com

straycat

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Re: Overheard on Facebook
« Reply #1680 on: February 20, 2015, 01:27:00 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

vivophoenix

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Re: Overheard on Facebook
« Reply #1681 on: February 20, 2015, 01:30:17 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

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Re: Overheard on Facebook
« Reply #1682 on: February 20, 2015, 01:37:57 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

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Re: Overheard on Facebook
« Reply #1683 on: February 20, 2015, 01:49:22 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

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Re: Overheard on Facebook
« Reply #1684 on: February 20, 2015, 01:50:47 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

We should start leaving comments on her blog about hiding her debt.

vivophoenix

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Re: Overheard on Facebook
« Reply #1685 on: February 20, 2015, 01:52:43 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

We should start leaving comments on her blog about hiding her debt.

is it that hidden though, if she has a blog about fashion and shopping and no job, the husband must be burying his head in the sand, esp if she is picking up merchandise once a week.

RunHappy

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Re: Overheard on Facebook
« Reply #1686 on: February 20, 2015, 01:58:10 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

We should start leaving comments on her blog about hiding her debt.

is it that hidden though, if she has a blog about fashion and shopping and no job, the husband must be burying his head in the sand, esp if she is picking up merchandise once a week.

Depending on who pays the bills it is probably pretty easy to hide that kind of stuff.  If you're always the one checking the mail then it is easy to hide it. 

vivophoenix

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Re: Overheard on Facebook
« Reply #1687 on: February 20, 2015, 02:12:00 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

We should start leaving comments on her blog about hiding her debt.

is it that hidden though, if she has a blog about fashion and shopping and no job, the husband must be burying his head in the sand, esp if she is picking up merchandise once a week.

Depending on who pays the bills it is probably pretty easy to hide that kind of stuff.  If you're always the one checking the mail then it is easy to hide it.

youre right,  i just assumed if I were the breadwinner, id keep some sort of eye on the bread.

MandalayVA

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Re: Overheard on Facebook
« Reply #1688 on: February 20, 2015, 02:30:50 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

We should start leaving comments on her blog about hiding her debt.

is it that hidden though, if she has a blog about fashion and shopping and no job, the husband must be burying his head in the sand, esp if she is picking up merchandise once a week.

Depending on who pays the bills it is probably pretty easy to hide that kind of stuff.  If you're always the one checking the mail then it is easy to hide it.

youre right,  i just assumed if I were the breadwinner, id keep some sort of eye on the bread.

Fashion bloggers' husbands are notoriously stupid.  There's a website called Get Off My Internets that lives to snark about bloggers.  It's hilarious.
« Last Edit: February 22, 2015, 08:36:51 AM by MandalayVA »
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straycat

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Re: Overheard on Facebook
« Reply #1689 on: February 20, 2015, 02:40:31 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

Well, she's only be over for a couple of hours picking up packages - every week. They track you by your passport and license plate. I also have a US shipping address and I have been pulled over to pay every. single. time. I print out all receipts for everything I've got though (this is usually an exercise in saving money in the long run as certain things are MUCH cheaper even after taking into account the duty etc.).

AH013

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Re: Overheard on Facebook
« Reply #1690 on: February 20, 2015, 03:27:09 PM »
youre right,  i just assumed if I were the breadwinner, id keep some sort of eye on the bread.

Sadly in many 1 income households there is a strong mentality of "I work hard enough earning the money...the least you can do is handle the finances".  To be fair, when all you've got to do is manage a 9 year old...I'm not saying it's an easy job, but 9 months of the year you have a pretty nice 7+ hour break every day M-F to carve out 2 hours MAX a month for handling the bills.  Is it dumb to blindly trust the other?  Sure is.  But there are tons of people who only find out how stupid it was when they go to get a divorce and find out they'll walk away with debt or they want to retire at 67 and are informed that retirement isn't possible until they are dead.

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Re: Overheard on Facebook
« Reply #1691 on: February 20, 2015, 05:04:39 PM »
Mom with newborn: Hi ladies as most of you know i had hell of a week last week with my husband, in laws and 2 cars breaking down. We had to pay for a car to be fixed so my husband can work, but now we barely have money for food let alone bills. Well getting back to the point, unless I think of something I won't have a phone, nor Internet so I won't see you ladies for a while.

Helpful suggestions in the replies:

#1

Sorry you're having such a rough week, but don't stress! I have literally waited months to pay my bills. They won't shut off your heat in winter, they will happily charge you a small late fee for cell phone, internet, cable, etc. No one will hassle you until it's been like 4-6 months. I only get paid every three months, and I'm notoriously bad at mismanaging my finances, so I've tested them all. You'll get it sorted and no one will cancel anything. Unless you use a pay as you go phone.

#2

Hahaha me too! Worst ever tho was when I let (her husband) pay all the bills while I was on my first mat leave. He decided it was easiest to just not pay anyone!! We ended up with every creditor calling, and finally I took over the finances!

#3

How much do you need? I like you so much, i WILL send you a little bit to help!

MBot

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Re: Overheard on Facebook
« Reply #1692 on: February 20, 2015, 09:58:20 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

I'm originally from close to London, Ontario and my husbands fam is from St. Thomas, Ontario. Looking at that blog I can think of a dozen people in that town who are like this. I don't GET it.

LadyDriver

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Re: Overheard on Facebook
« Reply #1693 on: February 20, 2015, 11:33:19 PM »
I participate in a facebook group for female truck drivers. One posted today about being fired far from home and needing help to get she and her dog home.

One driver posted "that is why I always have an emergency fund of at least $2K". So far so good.

Then came the flood of "How can anyone ever save 2K on what we are paid?"

Take heart, the OP has started a gofundme.

Goldielocks

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Re: Overheard on Facebook
« Reply #1694 on: February 21, 2015, 04:02:56 PM »
I grew up with a family of four girls down the street and one was the same age as us so we were best friends. Her older sister was always super popular, had the neatest, newest stuff etc. Well now I see it with different eyes as an adult. She is married, has 2 kids and is apparently in debt she hides from her husband. She doesn't just buy name brands, she buys HIGH FASHION brands. Like "Coach and "Kate Spade" are for poor people, she thinks. She even started a blog about it at mydarlinglife.com if you want to yell at your screen. Her daughter got an iphone for her NINTH birthday. They go to Florida several times a year (we live in Ontario, Canada). She is grooming her kid to be like her, ordering her clothes from Nordstrom all the time. She posted a photo of the KID in Florida wearing her Ray Bans or something and the caption was "Every 9 year old girl needs her mirrored sunnies!". And I was like "NEEDS"??? hmm. Have had to hold myself back from commenting on SO many of her posts.

it sucks that everyone knows she is hiding debt but her husband.

I know - she mentioned it to my sister on a shopping trip. She crosses the border to the U.S. as often as once a week in summer to pick up packages she has shipped there (an hour drive from her home). SHE DOESN'T WORK. And she never declared anything, one day got searched and now she is 'red flagged' because they found all the stuff she was bringing back and never paying on it.

i didnt know they were that serious about declaring, or did she have that much stuff one her?

i know the shopping malls in buffalo, ny  were built specifically for canadians

Yep, they are that serious.  Here is the thing, if you declare and it is an amount under $200, they often won't make you pay duty.  They care about the lying, but are officially not in the tax revenue business, just the border security business.    Drives the resident businesses nuts that they waive so many duty payments.

Pooperman

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Re: Overheard on Facebook
« Reply #1695 on: February 22, 2015, 04:52:16 AM »
Friends with credit card debt are going for a fancy dinner and a couples massage, or so they've just announced. Supposedly it's getting paid off, but then I saw this so... hmm.

MandalayVA

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Re: Overheard on Facebook
« Reply #1696 on: February 22, 2015, 08:43:58 AM »
Oh, my God.  No, seriously. OH, MY FUCKING GOD.

I don't post on FB that often--I mostly use it to play games--but the other day I posted a little about the abnormally cold weather that's been around here lately.  "You have to see it to believe it," I wrote.

Today I got a response back from my oldest niece, who is 26:

"hi wuts YOU do u mean u just askin"

She's 26, has three kids and wants to homeschool them when they get of age.

I APOLOGIZE IN ADVANCE FOR THE STUPIDITY ABOUT TO BE UNLEASHED.
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Rezdent

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Re: Overheard on Facebook
« Reply #1697 on: February 22, 2015, 08:51:48 AM »
Oh, my God.  No, seriously. OH, MY FUCKING GOD.

I don't post on FB that often--I mostly use it to play games--but the other day I posted a little about the abnormally cold weather that's been around here lately.  "You have to see it to believe it," I wrote.

Today I got a response back from my oldest niece, who is 26:

"hi wuts YOU do u mean u just askin"

She's 26, has three kids and wants to homeschool them when they get of age.

I APOLOGIZE IN ADVANCE FOR THE STUPIDITY ABOUT TO BE UNLEASHED.
Let us hope that she left her account up on the screen and one of her incredibly gifted babes wrote that ;)

Logic_Lady

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Re: Overheard on Facebook
« Reply #1698 on: February 22, 2015, 09:52:00 AM »
Oh, my God.  No, seriously. OH, MY FUCKING GOD.

I don't post on FB that often--I mostly use it to play games--but the other day I posted a little about the abnormally cold weather that's been around here lately.  "You have to see it to believe it," I wrote.

Today I got a response back from my oldest niece, who is 26:

"hi wuts YOU do u mean u just askin"

She's 26, has three kids and wants to homeschool them when they get of age.

I APOLOGIZE IN ADVANCE FOR THE STUPIDITY ABOUT TO BE UNLEASHED.
Let us hope that she left her account up on the screen and one of her incredibly gifted babes wrote that ;)

Or that this was meant as a joke about internet slang.

tofuchampion

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Re: Overheard on Facebook
« Reply #1699 on: February 23, 2015, 01:17:17 AM »
Oh, my God.  No, seriously. OH, MY FUCKING GOD.

I don't post on FB that often--I mostly use it to play games--but the other day I posted a little about the abnormally cold weather that's been around here lately.  "You have to see it to believe it," I wrote.

Today I got a response back from my oldest niece, who is 26:

"hi wuts YOU do u mean u just askin"

She's 26, has three kids and wants to homeschool them when they get of age.

I APOLOGIZE IN ADVANCE FOR THE STUPIDITY ABOUT TO BE UNLEASHED.

I had to read that half a dozen times to even figure out wtf she was saying.
There are no impossible obstacles, there are only stronger and weaker wills. (Jules Verne)