Author Topic: Overheard on Facebook  (Read 1764508 times)

fantabulous

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Re: Overheard on Facebook
« Reply #1800 on: March 10, 2015, 12:58:54 PM »
A friend posted a picture of a brand new sports car with the caption "Life after college". She's also in $100k of debt and chose to live in a house $200/mo over what she planned for 44 miles away from her job. Oh, and adopted two cats and a dog right away.

This is how you get your big boy or big girl adult card, obviously.

Psychstache

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Re: Overheard on Facebook
« Reply #1801 on: March 10, 2015, 01:49:38 PM »
This started so innocently, but took an anti-MMM turn (I skipped some irrelevant messages early in the post):

OP: It is a travesty that there will be six guys and six girls in the top twelve of American Idol.

TM: It is a travesty that American Idol is still on the air

ZS: It is a travesty that American Idol, The Voice and Survivor all come on at the same time....and I can't stand any of them! Now, Dancing With the Stars on the other hand...

ZS: Maybe they went for gender equality.

OP: Well that's why. The genders are split until the top twelve so it has six of each. It's just unfortunate that some undeserving girls are making it while some deserving boys are going home.  You know you can DVR all of the ones you can't watch live ZS.

ZS: Oh, I don't watch any of them. I also don't have DVR. We keep talking about getting it.

OP: I didn't know that was still an option.

SW: wait, hold the idol, dwts, voice talk, what do you mean no DVR? There are programs that can assist you with this essential missing piece of technology. It is every American's right to have at least one DVR and there is the federal No DVRs Left Behind program.

ZS: I do have a Keurig. Does that count?

SW: only if it sends you a text when the single cup is done brewing


fartface

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Re: Overheard on Facebook
« Reply #1802 on: March 10, 2015, 06:16:49 PM »
A friend posted a picture of a brand new sports car with the caption "Life after college". She's also in $100k of debt and chose to live in a house $200/mo over what she planned for 44 miles away from her job. Oh, and adopted two cats and a dog right away.

Dafaaaaaaq?!???!?!?

cashstasherat23

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Re: Overheard on Facebook
« Reply #1803 on: March 10, 2015, 06:32:57 PM »
Saw another good one on Facebook today:

"Accidentally paid $300 towards the Sears card instead of $30!!! Oh well, at least it's almost paid off now!"

I mean, at least they are making attempts to pay it. But how much debt could you rack up at Sears? Obviously much more than $300, which is mind blowing to me that they have been carrying that around. I don't imagine Sears hands out great interest rates on their store cards...

Elliot

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Re: Overheard on Facebook
« Reply #1804 on: March 10, 2015, 06:40:46 PM »
There's an interest free period, I think. And if you buy major appliances or tires or lawnmowers or something... I could see it.

cashstasherat23

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Re: Overheard on Facebook
« Reply #1805 on: March 10, 2015, 07:28:53 PM »
There's an interest free period, I think. And if you buy major appliances or tires or lawnmowers or something... I could see it.

That's true...but somehow I get the idea that's not what this guy had done!

Elliot

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Re: Overheard on Facebook
« Reply #1806 on: March 10, 2015, 07:50:19 PM »
Haha probably not.

dycker1978

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Re: Overheard on Facebook
« Reply #1807 on: March 11, 2015, 07:43:07 AM »
Saw another good one on Facebook today:

"Accidentally paid $300 towards the Sears card instead of $30!!! Oh well, at least it's almost paid off now!"

I mean, at least they are making attempts to pay it. But how much debt could you rack up at Sears? Obviously much more than $300, which is mind blowing to me that they have been carrying that around. I don't imagine Sears hands out great interest rates on their store cards...

I had a sears card when I was learning... I think I was 17 or so.  I remember they charged 29.9% here and you could use them for other things.  Shell was one of the places that remember being able to use it.  Good thing I paid one interest payment on the $100 I owed and realized that is a waste of money.

dandarc

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Re: Overheard on Facebook
« Reply #1808 on: March 11, 2015, 08:18:36 AM »
Saw another good one on Facebook today:

"Accidentally paid $300 towards the Sears card instead of $30!!! Oh well, at least it's almost paid off now!"

I mean, at least they are making attempts to pay it. But how much debt could you rack up at Sears? Obviously much more than $300, which is mind blowing to me that they have been carrying that around. I don't imagine Sears hands out great interest rates on their store cards...

This past June or July, I sent my utility payment to our ISP by accident (adjacent lines on bill pay, and I obviously wasn't careful enough) - it was for a time when we briefly owned two properties too, so it was like $300.  Didn't have to send in payment for internet for a while.
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RL12

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Re: Overheard on Facebook
« Reply #1809 on: March 11, 2015, 09:43:59 AM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

SpicyMcHaggus

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Re: Overheard on Facebook
« Reply #1810 on: March 11, 2015, 11:23:20 AM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
ET ERE: 5yrs

goober

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Re: Overheard on Facebook
« Reply #1811 on: March 11, 2015, 11:31:53 AM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

I don't even know where to start with this! Feeling slighted with no proof for having expensive things she can't afford at a place that is both extremely unhealthy and bad on a budget. That's not even getting into your second paragraph!

dragoncar

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Re: Overheard on Facebook
« Reply #1812 on: March 11, 2015, 12:12:30 PM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
You mean extra sauce, right?  Must have something to do with the fact that I'm a grown up now, but I've never run out of sauce within the limits they set.  When I was a kid it was probably 1 sauce per nug.-

frugalnacho

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Re: Overheard on Facebook
« Reply #1813 on: March 11, 2015, 12:29:07 PM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
You mean extra sauce, right?  Must have something to do with the fact that I'm a grown up now, but I've never run out of sauce within the limits they set.  When I was a kid it was probably 1 sauce per nug.-

I have never used mcd sauce of any kind.  I eat my nuggets naked.

Quark

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Re: Overheard on Facebook
« Reply #1814 on: March 11, 2015, 12:41:12 PM »
Indirectly financially related.

College friend is 29. Drinks copious soda since we were in college at age 18, used to be about two 2L per day. Has to go to hospital when his body tries shutting down and finds out he's severely fructose intolerant.

Solution? Switches to sugar sweetened soda. Drinks a little less now. Only a few bottles a day.

Today he complains about having to get/afford a root canal and mentions in a comment reply that he has had 6 crowns in the last year.

Correlation?
« Last Edit: March 11, 2015, 12:43:29 PM by Quark »

Psychstache

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Re: Overheard on Facebook
« Reply #1815 on: March 11, 2015, 03:18:53 PM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
You mean extra sauce, right?  Must have something to do with the fact that I'm a grown up now, but I've never run out of sauce within the limits they set.  When I was a kid it was probably 1 sauce per nug.-

I have never used mcd sauce of any kind.  I eat my nuggets naked.

I tried to do that once. The assistant manager called the cops and I was asked to never return again.

grantmeaname

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Re: Overheard on Facebook
« Reply #1816 on: March 12, 2015, 06:24:58 AM »
Hey, there's lots of McDonalds in the world. As long as you don't go back to the same one twice you should be okay.

frugalnacho

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Re: Overheard on Facebook
« Reply #1817 on: March 12, 2015, 07:41:34 AM »
I also can't go near schools.

dycker1978

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Re: Overheard on Facebook
« Reply #1818 on: March 12, 2015, 07:43:11 AM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
You mean extra sauce, right?  Must have something to do with the fact that I'm a grown up now, but I've never run out of sauce within the limits they set.  When I was a kid it was probably 1 sauce per nug.-

I have never used mcd sauce of any kind.  I eat my nuggets naked.

I tried to do that once. The assistant manager called the cops and I was asked to never return again.
Good thing there is a mcdonalds at every corner...  Try it at the next one, you may have better luck

GuitarStv

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Re: Overheard on Facebook
« Reply #1819 on: March 12, 2015, 08:26:16 AM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
You mean extra sauce, right?  Must have something to do with the fact that I'm a grown up now, but I've never run out of sauce within the limits they set.  When I was a kid it was probably 1 sauce per nug.-

I have never used mcd sauce of any kind.  I eat my nuggets naked.

I tried to do that once. The assistant manager called the cops and I was asked to never return again.
Good thing there is a mcdonalds at every corner...  Try it at the next one, you may have better luck

My childhood vice was McDonald's chicken nuggets dipped in pure honey.  1 pack of honey for every three nuggets.  It's the greatest flavour combination I've ever experienced, and to this day I will still only eat them as God intended . . . drenched in honey.

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Re: Overheard on Facebook
« Reply #1820 on: March 12, 2015, 09:42:47 AM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
You mean extra sauce, right?  Must have something to do with the fact that I'm a grown up now, but I've never run out of sauce within the limits they set.  When I was a kid it was probably 1 sauce per nug.-

I have never used mcd sauce of any kind.  I eat my nuggets naked.

I tried to do that once. The assistant manager called the cops and I was asked to never return again.
Good thing there is a mcdonalds at every corner...  Try it at the next one, you may have better luck

My childhood vice was McDonald's chicken nuggets dipped in pure honey.  1 pack of honey for every three nuggets.  It's the greatest flavour combination I've ever experienced, and to this day I will still only eat them as God intended . . . drenched in honey.

Dude, you are bringing back euphoric memories of my childhood. I ate them in honey, too. It was delicious. It would probably still be delicious, if I could still bring myself to actually eat a McNugget. I can't.
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LucyBIT

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Re: Overheard on Facebook
« Reply #1821 on: March 12, 2015, 10:16:14 AM »
Oh god, honey...I don't like chicken nuggets from anywhere but Wendy's, but I do love me some honey on them.

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Re: Overheard on Facebook
« Reply #1822 on: March 12, 2015, 10:25:19 AM »
A listing on a twin cities "garage sale" group  (I don't personally know this person):

"Free Keurig.  You have to pick up today in Stillwater.  It worked perfect until I decided to run vinegar and water through it to clean it and something seems to have clogged it.  I didn't put that much effort into it.  If you can figure it out, this is a great deal.  I used it just over a year."

crispy

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Re: Overheard on Facebook
« Reply #1823 on: March 12, 2015, 12:14:19 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

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Re: Overheard on Facebook
« Reply #1824 on: March 12, 2015, 12:20:13 PM »
My news feed hit a new all time low with this one today.

"I swear I hate McDonalds! I know damn good and well that if I wasnt driving a new car, had my nails done, or a coach purse in my front seat that they would not have tried to charge me for some damn mayo! I understand they are supposed to but they need to be consistent on who they charge and when they do it! Especially when I can get it added to my sandwich for free! It being on the side does not make any different!"

A few weeks ago this same girl posted about how she can't wait to get her $8,000 tax return while making $14,000 last year with three kids from different fathers. I guess we know how that money got spent.

it does really bother me that MCD charges for BBQ sauce. That's why I stopped going for McNuggets :(
You mean extra sauce, right?  Must have something to do with the fact that I'm a grown up now, but I've never run out of sauce within the limits they set.  When I was a kid it was probably 1 sauce per nug.-

I have never used mcd sauce of any kind.  I eat my nuggets naked.

I tried to do that once. The assistant manager called the cops and I was asked to never return again.
Good thing there is a mcdonalds at every corner...  Try it at the next one, you may have better luck

My childhood vice was McDonald's chicken nuggets dipped in pure honey.  1 pack of honey for every three nuggets.  It's the greatest flavour combination I've ever experienced, and to this day I will still only eat them as God intended . . . drenched in honey.

Dude, you are bringing back euphoric memories of my childhood. I ate them in honey, too. It was delicious. It would probably still be delicious, if I could still bring myself to actually eat a McNugget. I can't.

OMG me too! I never really have occasion to go to McD's, but I did try it again a few years ago, for the first time in decades. Still soooooo good (just try not to think too hard about what the McNuggets are...)

A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

How did they even get a mortgage?! WTF.

vivophoenix

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Re: Overheard on Facebook
« Reply #1825 on: March 12, 2015, 12:22:02 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

crispy

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Re: Overheard on Facebook
« Reply #1826 on: March 12, 2015, 12:30:37 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

vivophoenix

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Re: Overheard on Facebook
« Reply #1827 on: March 12, 2015, 12:36:28 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

im super confused. that amount of student loans, means super high payments, so im surprised they even got approved for the loan. but what ever HTF do you get a mortgage with 200k in defaulted student loans. how do you get anything with student loans in default. i might as well let mine go into default if i  can still get a house and everything else.

something here doesnt add up.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

crispy

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Re: Overheard on Facebook
« Reply #1828 on: March 12, 2015, 12:43:10 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

im super confused. that amount of student loans, means super high payments, so im surprised they even got approved for the loan. but what ever HTF do you get a mortgage with 200k in defaulted student loans. how do you get anything with student loans in default. i might as well let mine go into default if i  can still get a house and everything else.

something here doesnt add up.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

I asked her this when she told me they were going to start house hunting a few months ago which is when I learned that all the student loans were in her name only.  That's when I started backing away from the friendship.  My understanding is that they are planning to finance the house in his name with his credit (which also has the bankruptcy and foreclosure on it so I don't know how that works).  All the student loans are in her name only and she won't appear on the loan and mortgage so the lender is unaware of that they have 200K in student loans in default.  She doesn't work (because she doesn't want to ay the loans back and knows her wages would be garnished) so I guess there is no reason for her to be on the mortgage since she isn't contributing income.

I haven't talked to her much in the last few months, but the house posting caught me eye today.  I seriously don't get it.
« Last Edit: March 12, 2015, 12:45:49 PM by crispy »

Sibley

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Re: Overheard on Facebook
« Reply #1829 on: March 12, 2015, 02:53:05 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

im super confused. that amount of student loans, means super high payments, so im surprised they even got approved for the loan. but what ever HTF do you get a mortgage with 200k in defaulted student loans. how do you get anything with student loans in default. i might as well let mine go into default if i  can still get a house and everything else.

something here doesnt add up.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

I asked her this when she told me they were going to start house hunting a few months ago which is when I learned that all the student loans were in her name only.  That's when I started backing away from the friendship.  My understanding is that they are planning to finance the house in his name with his credit (which also has the bankruptcy and foreclosure on it so I don't know how that works).  All the student loans are in her name only and she won't appear on the loan and mortgage so the lender is unaware of that they have 200K in student loans in default.  She doesn't work (because she doesn't want to ay the loans back and knows her wages would be garnished) so I guess there is no reason for her to be on the mortgage since she isn't contributing income.

I haven't talked to her much in the last few months, but the house posting caught me eye today.  I seriously don't get it.

At what point does this cross over to fraud?

vivophoenix

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Re: Overheard on Facebook
« Reply #1830 on: March 12, 2015, 03:00:22 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

im super confused. that amount of student loans, means super high payments, so im surprised they even got approved for the loan. but what ever HTF do you get a mortgage with 200k in defaulted student loans. how do you get anything with student loans in default. i might as well let mine go into default if i  can still get a house and everything else.

something here doesnt add up.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

I asked her this when she told me they were going to start house hunting a few months ago which is when I learned that all the student loans were in her name only.  That's when I started backing away from the friendship.  My understanding is that they are planning to finance the house in his name with his credit (which also has the bankruptcy and foreclosure on it so I don't know how that works).  All the student loans are in her name only and she won't appear on the loan and mortgage so the lender is unaware of that they have 200K in student loans in default.  She doesn't work (because she doesn't want to ay the loans back and knows her wages would be garnished) so I guess there is no reason for her to be on the mortgage since she isn't contributing income.

I haven't talked to her much in the last few months, but the house posting caught me eye today.  I seriously don't get it.

At what point does this cross over to fraud?

she must not work, cause they would have garnished her paychecks. and they can also get into her bank account, so they must hold literally everything in his name.

i still think something doesnt smell right

crispy

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Re: Overheard on Facebook
« Reply #1831 on: March 12, 2015, 03:11:19 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

im super confused. that amount of student loans, means super high payments, so im surprised they even got approved for the loan. but what ever HTF do you get a mortgage with 200k in defaulted student loans. how do you get anything with student loans in default. i might as well let mine go into default if i  can still get a house and everything else.

something here doesnt add up.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

I asked her this when she told me they were going to start house hunting a few months ago which is when I learned that all the student loans were in her name only.  That's when I started backing away from the friendship.  My understanding is that they are planning to finance the house in his name with his credit (which also has the bankruptcy and foreclosure on it so I don't know how that works).  All the student loans are in her name only and she won't appear on the loan and mortgage so the lender is unaware of that they have 200K in student loans in default.  She doesn't work (because she doesn't want to ay the loans back and knows her wages would be garnished) so I guess there is no reason for her to be on the mortgage since she isn't contributing income.

I haven't talked to her much in the last few months, but the house posting caught me eye today.  I seriously don't get it.

At what point does this cross over to fraud?

she must not work, cause they would have garnished her paychecks. and they can also get into her bank account, so they must hold literally everything in his name.

i still think something doesnt smell right

As far as I know, everything they own is in his name.  I knew that had student loans that were defaulted, but I didn't realize the rest of it until I asked her a few months back how they could buy another house with defaulted loans, and a recent bankruptcy and foreclosure.  That's when she told me the loans were all in her name because they did a spousal consolidation when they bought the first house because they couldn't afford the mortgage payment and the loan payment.  I am pretty sure they don't do spousal consolidations anymore because of situations like this.  I told her then that she was absolutely screwed if they ever got a divorced, and she seemed unconcerned about it.  I have backed away from the friendship because I find the whole situation disturbing.  I have learned some other things since then, and let's just say these people are a piece of work.  It is entertaining to see her posts though.

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Re: Overheard on Facebook
« Reply #1832 on: March 12, 2015, 05:22:30 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

im super confused. that amount of student loans, means super high payments, so im surprised they even got approved for the loan. but what ever HTF do you get a mortgage with 200k in defaulted student loans. how do you get anything with student loans in default. i might as well let mine go into default if i  can still get a house and everything else.

something here doesnt add up.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

I asked her this when she told me they were going to start house hunting a few months ago which is when I learned that all the student loans were in her name only.  That's when I started backing away from the friendship.  My understanding is that they are planning to finance the house in his name with his credit (which also has the bankruptcy and foreclosure on it so I don't know how that works).  All the student loans are in her name only and she won't appear on the loan and mortgage so the lender is unaware of that they have 200K in student loans in default.  She doesn't work (because she doesn't want to ay the loans back and knows her wages would be garnished) so I guess there is no reason for her to be on the mortgage since she isn't contributing income.

I haven't talked to her much in the last few months, but the house posting caught me eye today.  I seriously don't get it.

At what point does this cross over to fraud?

This actually reminds me of a situation with a former coworker from a few years ago. She and her fiance were shopping for their first house, and the realtor recommended that the house be purchased exclusively by just one of them. That way, he explained, if something happened and they lost the house the other partner's credit would be untarnished so they could buy another home easily and they could still take advantage of any and all first-time home-buyers' perks.

This kind of blew my mind. I guess this type of thinking just doesn't come naturally to me.

Joshin

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Re: Overheard on Facebook
« Reply #1833 on: March 12, 2015, 05:35:05 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

im super confused. that amount of student loans, means super high payments, so im surprised they even got approved for the loan. but what ever HTF do you get a mortgage with 200k in defaulted student loans. how do you get anything with student loans in default. i might as well let mine go into default if i  can still get a house and everything else.

something here doesnt add up.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

I have no idea.  I just know they said they put an offer on it.  It will be interesting to see how this plays out.

This is the same couple whom I have posted about that owe 200K+ in student loans that have been in default for years.  They did a spousal consolidation years ago when that was still allowed.  All their stuff is in his name because her credit is completely shot from the defaulted loans.  We used to be good friends, but I had to back away once I realized all of this. It's fascinating and sickening at the same time.

I asked her this when she told me they were going to start house hunting a few months ago which is when I learned that all the student loans were in her name only.  That's when I started backing away from the friendship.  My understanding is that they are planning to finance the house in his name with his credit (which also has the bankruptcy and foreclosure on it so I don't know how that works).  All the student loans are in her name only and she won't appear on the loan and mortgage so the lender is unaware of that they have 200K in student loans in default.  She doesn't work (because she doesn't want to ay the loans back and knows her wages would be garnished) so I guess there is no reason for her to be on the mortgage since she isn't contributing income.

I haven't talked to her much in the last few months, but the house posting caught me eye today.  I seriously don't get it.

At what point does this cross over to fraud?

This actually reminds me of a situation with a former coworker from a few years ago. She and her fiance were shopping for their first house, and the realtor recommended that the house be purchased exclusively by just one of them. That way, he explained, if something happened and they lost the house the other partner's credit would be untarnished so they could buy another home easily and they could still take advantage of any and all first-time home-buyers' perks.

This kind of blew my mind. I guess this type of thinking just doesn't come naturally to me.

Eh, this is what our mortgage broker had us do. When we bought, the hubs wasn't earning an income at the time, and I was/am self-employed. Said it was so if my business went belly-up, his credit would still be clean. House was in just my name for two years. When we refinanced, we did so in both our names because his income helped get us a lower interest rate.

caliq

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Re: Overheard on Facebook
« Reply #1834 on: March 12, 2015, 05:42:30 PM »
This actually reminds me of a situation with a former coworker from a few years ago. She and her fiance were shopping for their first house, and the realtor recommended that the house be purchased exclusively by just one of them. That way, he explained, if something happened and they lost the house the other partner's credit would be untarnished so they could buy another home easily and they could still take advantage of any and all first-time home-buyers' perks.

This kind of blew my mind. I guess this type of thinking just doesn't come naturally to me.

Well, that means they were looking at houses they could get approved for on only one income, right?  So it's actually not that irresponsible.  Especially when you consider the fact that they're not married yet -- lots of engaged couples never make it to the altar.

True, the realtor's reasoning is pretty bad (who plans to get foreclosed on?!), but the actual decision is fairly sound. 

DH and I did the same thing before we were married -- he got a VA loan, and you have to be married to be co-borrowers.  Plus I'm still in school so the only thing I brought to the table was ~$400/month income and lots of student loans ;)  In our case it just didn't make sense -- it's not about defrauding the system or something.

 

crispy

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Re: Overheard on Facebook
« Reply #1835 on: March 12, 2015, 05:48:57 PM »
Having the mortgage in just his name isn't weird at all to me.  The problem is having all the defaulted student loans in her name with no plans to pay them.  She is also setting herself up for a miserable future if they ever divorce or if he dies unexpectedly.

Zaga

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Re: Overheard on Facebook
« Reply #1836 on: March 12, 2015, 06:12:55 PM »
Wow, from this conversation is just occurred to me that I could buy a home in the future as a "first time homebuyer", because everything is in DH's name!  He bought the place we live in now before we met, and I've just never bothered to put my name on anything.

caliq

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Re: Overheard on Facebook
« Reply #1837 on: March 12, 2015, 07:40:44 PM »
Having the mortgage in just his name isn't weird at all to me.  The problem is having all the defaulted student loans in her name with no plans to pay them.  She is also setting herself up for a miserable future if they ever divorce or if he dies unexpectedly.

Oh yeah, the student loan thing is super shady -- I was just replying to Lookilu, who was talking about a more normal 'mortgage in one partner's name' situation.

Strabo

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Re: Overheard on Facebook
« Reply #1838 on: March 13, 2015, 02:41:04 AM »
Indirectly financially related.

College friend is 29. Drinks copious soda since we were in college at age 18, used to be about two 2L per day. Has to go to hospital when his body tries shutting down and finds out he's severely fructose intolerant.

Solution? Switches to sugar sweetened soda. Drinks a little less now. Only a few bottles a day.

He does know that table sugar (both beet and cane sugar) is still 50 % Fructose, right? One of my sisters has a very severe Fructose intolerance since she was a small child, and especially early on all she could eat was stuff made with Dextrose without severe (really, really severe) digestive repercussions for years.

faithless

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Re: Overheard on Facebook
« Reply #1839 on: March 13, 2015, 07:44:06 AM »
Perpetually broke friend on Facebook whinging that she didn't get a rental place she wanted because she didn't have the deposit and first month's rent to hand, and they let it to someone with the money before she could get the credit union loan she'd applied for through.

A few days later she's found another place with lower rent (cool) and asks around for packing boxes. A few people offer some, and others suggest stores she can get some for free from. Then she posts an update that instead she's ordered a 'moving package' (some cardboard boxes and tape) from Amazon for £20 because 'it's such a good deal'. Sigh

nereo

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Re: Overheard on Facebook
« Reply #1840 on: March 13, 2015, 08:11:38 AM »
Perpetually broke friend on Facebook whinging that she didn't get a rental place she wanted because she didn't have the deposit and first month's rent to hand, and they let it to someone with the money before she could get the credit union loan she'd applied for through.

A few days later she's found another place with lower rent (cool) and asks around for packing boxes. A few people offer some, and others suggest stores she can get some for free from. Then she posts an update that instead she's ordered a 'moving package' (some cardboard boxes and tape) from Amazon for £20 because 'it's such a good deal'. Sigh
There's an absolute glut of cardboard boxes of all shapes, sizes and strengths floating around, most of which get used once and then broken down to be recycled or thrown out. I'm shocked and appalled that anyone buys cardboard boxes to move with.  oh well....
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randymarsh

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Re: Overheard on Facebook
« Reply #1841 on: March 13, 2015, 08:56:50 AM »
Wow, from this conversation is just occurred to me that I could buy a home in the future as a "first time homebuyer", because everything is in DH's name!  He bought the place we live in now before we met, and I've just never bothered to put my name on anything.

"First time" home buyer (as far HUD is concerned for their programs) really just means you haven't been the owner of a home in at least 3 years. Not really relevant to your situation, but thought I'd mention it.
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Zamboni

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Re: Overheard on Facebook
« Reply #1842 on: March 13, 2015, 04:28:36 PM »
A couple we know went through bankruptcy and foreclosure about three years ago. I was hoping it would be a wake-up call for them to get their finances back in order, but it hasn't been.  The fancy vacations and eating out constantly is still going on.  They have also started hanging out with a group that makes serious money and spends it accordingly so I think they are feeling some pressure to keep up.

Anyway, today they posted a picture on Facebook of the house they put a contract on which is twice the size and price of the one they lost just three years ago.  My mind is officially boggled.

will a bank  approve you with both a bankruptcy and a foreclosure only three years ago?
 don't you also lose out on a lot of first home buyer things that make it easier to secure a loan?

im assuming that to prove they arent useless,  banks are going to demand at least 20% down this time( or maybe that's called hoping).

 also on a more cynical note, I assume that getting a "fresh start",  three years ago, gives  enough  time to make on time payments and keep cc balances low enough that you look good on paper

maybe the bank just assumes they will get some interest payments and house in a few years?

Putting an offer on a home or even signing a contract to buy it doesn't mean that they will be approved for the financing.  For one thing you can make an offer even if you don't have any money or a pre-approval letter.  Many agents are wary of their time being wasted and do ask for letters for financing, though.

Even if they have a letter, my impression is that a lot of banks have basically sales people who do a really cursory look at finances for the pre-approval letter since people tend to need really quick turn around on these to put in offers. But, pre-approval and actual approval are not the same thing, and hopefully the underwriters will dot their i's and cross their t's on these folks when the time comes. 

I feel sorry for the sellers if they accept this offer and then the whole thing falls through in the end.

A few days later she's found another place with lower rent (cool) and asks around for packing boxes. A few people offer some, and others suggest stores she can get some for free from. Then she posts an update that instead she's ordered a 'moving package' (some cardboard boxes and tape) from Amazon for £20 because 'it's such a good deal'. Sigh

Yet wealthy me saved the money to buy pizza for the movers instead and got more boxes than I would ever need out of the immaculate cardboard recycle bin behind the local wine store.  Those wine boxes are study!  For bigger ones I went to the recycle bin two stores over behind Pier 1 Imports (up to chair sized boxes with bonus potpourri scent!)

Joggernot

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Re: Overheard on Facebook
« Reply #1843 on: March 14, 2015, 06:30:13 AM »
Facebook site on saving money:
"I have to buy a car this weekend, since my 13 year old car, with many things wrong, now has glitchy windshield wipers. I'm in __________. and am looking at a wet weekend. I want a small hatchback and I have about $12,000."

Further discussion showed that the old car needed about $2,000 to bring it up to her standards.  I guess she couldn't tell the difference between $2,000 and $12,000, or she just wanted a new car.  For $3,500 she could have it detailed, painted, and all things fixed on the old car and still save money. 

Steveo57

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Re: Overheard on Facebook
« Reply #1844 on: March 14, 2015, 09:22:20 AM »
Got a Facebook invite from an acquaintance of ours a while back for a GoFundMe that they had set up to pay for his MILs cremation. Really sad story about how they could barely pay the rent and were going to lose their cars... This guy is in his 50s and makes $80k plus and is constantly broke. He already lost one house because the bank foreclosed on him. At times he has barely enough money to buy gas for his two late model cars. Saw him the other night and he was showing off his new iPhone 6 whatever.  Oh and the GoFundMe is still active and they are almost at their goal so they will be able to pay the mortuary and get the MILs ashes some day.... Smh

Joshin

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Re: Overheard on Facebook
« Reply #1845 on: March 14, 2015, 12:41:50 PM »
Facebook site on saving money:
"I have to buy a car this weekend, since my 13 year old car, with many things wrong, now has glitchy windshield wipers. I'm in __________. and am looking at a wet weekend. I want a small hatchback and I have about $12,000."

Further discussion showed that the old car needed about $2,000 to bring it up to her standards.  I guess she couldn't tell the difference between $2,000 and $12,000, or she just wanted a new car.  For $3,500 she could have it detailed, painted, and all things fixed on the old car and still save money.

Saw that one, didn't even bother commenting. There's two main factions on that group -- those that are serious about saving money and being responsible stewards of the planet and their finances, and those that are simply consumerist bargain hunters looking for "permission" to buy.

horsepoor

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Re: Overheard on Facebook
« Reply #1846 on: March 14, 2015, 03:54:19 PM »
Got a Facebook invite from an acquaintance of ours a while back for a GoFundMe that they had set up to pay for his MILs cremation. Really sad story about how they could barely pay the rent and were going to lose their cars... This guy is in his 50s and makes $80k plus and is constantly broke. He already lost one house because the bank foreclosed on him. At times he has barely enough money to buy gas for his two late model cars. Saw him the other night and he was showing off his new iPhone 6 whatever.  Oh and the GoFundMe is still active and they are almost at their goal so they will be able to pay the mortuary and get the MILs ashes some day.... Smh

That is fucked up.

Joggernot

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Re: Overheard on Facebook
« Reply #1847 on: March 14, 2015, 04:20:49 PM »
Facebook site on saving money:
"I have to buy a car this weekend, since my 13 year old car, with many things wrong, now has glitchy windshield wipers. I'm in __________. and am looking at a wet weekend. I want a small hatchback and I have about $12,000."

Further discussion showed that the old car needed about $2,000 to bring it up to her standards.  I guess she couldn't tell the difference between $2,000 and $12,000, or she just wanted a new car.  For $3,500 she could have it detailed, painted, and all things fixed on the old car and still save money.

Saw that one, didn't even bother commenting. There's two main factions on that group -- those that are serious about saving money and being responsible stewards of the planet and their finances, and those that are simply consumerist bargain hunters looking for "permission" to buy.
Good point.  She did get "permission" to buy with all the suggestions offered.

solon

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Re: Overheard on Facebook
« Reply #1848 on: March 14, 2015, 04:37:13 PM »
How can I find that facebook group?

Joggernot

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Re: Overheard on Facebook
« Reply #1849 on: March 14, 2015, 05:40:57 PM »
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