Anyone Have Experience with Debt Restructuring/Rescheduling?

Saudara gw ada yg tiba2 nelpon mau pinjem duit 10juta krn dikejar2 debt collector. Dia ada cicilan mobil di Mandiri Finance 2.8jt/bulan, tinggal 9 bulan lagi. Mobilnya dipakai buat ngegrab jd kalau disita jd ga bisa kerja.

Katanya blm bayar cicilan dr bulan September & Oktober. Setahu gw, debt collector itu baru mulai nyari klo telat bayarnya udah lbh dr 60 hari bener ga?

Saudara gw ini buka katering di rumahnya, suaminya ngegrab car. Anaknya 4 masih kecil2. Secara finansial memang menengah ke bawah dgn pemasukan yg nggak tetap tiap bulan.

Gw ga mau sekedar ngasih pinjeman, tp pengen ngebantu dia mengelola utangnya supaya bisa lunas.

Di sini ada yg pny pengalaman debt restructuring/rescheduling? Ada tips?

Thanks!

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COVID-19: SBV issues new document on rescheduling of debt payments | Business en.vietnamplus.vn/covid19…
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Rescheduling Payments to Ease Ethiopia Debt Risks, IMF Says [Bloomberg News] msn.com/en-us/money/marke…
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World Debt Default and Rescheduling Occurrences
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πŸ‘€︎ u/st0ckholme
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"Apartheid is Bankrupt. No Debt Rescheduling" Poster from the Anti-Apartheid Movement and End Loans to Southern Africa (ELTSA) calling the British banks to stop rescheduling South Africa’s debt, United Kingdom, 1989
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πŸ‘€︎ u/Johannes_P
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China agrees to reschedule Congo Republic's $2.4bn debt asia.nikkei.com/Politics/…
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πŸ‘€︎ u/CESTLAVIEBABE
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The Current State of TLRY - Sunset 2021

Recently, there seems to be an increase in animosity and frustration in this community which is understandable considering how TLRY stock has performed. If you feel this way, you should know that you are not alone and most of us in this community can relate to your pain. This can be supported by numerous recent posts and comments of their losing positions from fellow TLRY members.

Losses are widespread but the question comes down to what or who is to blame for this loss?

We could say that it is hedge funds and other institutional traders who utilize a variety of techniques and short selling strategies to manipulate TLRY stock lower. That does make sense and there are numerous DD posts in this Sub along with many others on other stocks as well that show this. After all, per the recent earnings releases of the top Banks on Wall Street, a large proportion of their record breaking profits comes from "Trading Operations."

https://www.reddit.com/r/TLRY/comments/rh6gak/in_a_world_of_citadels_be_a_tilray/

https://www.reddit.com/r/TLRY/comments/qwspc5/barclays_downgrade_in_more_detail/

We could also argue that the stock is down due to Tilray's own company share dilution. Ever since the merger of TLRY and APHA, CEO Irwin Simon's been on a roll. From buying convertible bonds of an American MSO to buying liquor and beer companies. This money has to come from somewhere right?

https://mjbizdaily.com/canadian-marijuana-company-tilray-acquires-colorados-breckenridge-distillery/

I want to emphasize that Tilray is not mindlessly diluting it's shares as a few people here were suggesting. Per the fine print, the company will only dilute its shares in an event of an Acquisition or to fight off a hostile takeover event (eg. Philip Morris taking advantage of TLRY's low price and goes full savage).

The concept behind this dilution strategy is that because the acquired companies bring in extra cash flows, then it should justify a higher valuation of TLRY stock thus balancing out the extra shares in the market place. This is actually supported if valuation analysis utilizes the valuati

... keep reading on reddit ➑

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πŸ‘€︎ u/DiamondBoomer
πŸ“…︎ Dec 30 2021
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SERIOUS: This subreddit needs to understand what a "dad joke" really means.

I don't want to step on anybody's toes here, but the amount of non-dad jokes here in this subreddit really annoys me. First of all, dad jokes CAN be NSFW, it clearly says so in the sub rules. Secondly, it doesn't automatically make it a dad joke if it's from a conversation between you and your child. Most importantly, the jokes that your CHILDREN tell YOU are not dad jokes. The point of a dad joke is that it's so cheesy only a dad who's trying to be funny would make such a joke. That's it. They are stupid plays on words, lame puns and so on. There has to be a clever pun or wordplay for it to be considered a dad joke.

Again, to all the fellow dads, I apologise if I'm sounding too harsh. But I just needed to get it off my chest.

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Biden administration to cancel $1.1 billion in student debt for some borrowers who attended ITT, the defunct for-profit college marketwatch.com/story/bid…
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πŸ‘€︎ u/joburgexpat
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Blind Girl Here. Give Me Your Best Blind Jokes!

Do your worst!

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πŸ‘€︎ u/Leckzsluthor
πŸ“…︎ Jan 02 2022
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This subreddit is 10 years old now.

I'm surprised it hasn't decade.

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πŸ‘€︎ u/frexyincdude
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S'porean woman, 67, spends S$11,000 in single visit to Nail Palace due to alleged hard-selling

Not allowed to leave if she didn't sign on to a package​

Opened in 2002, Nail Palace is a nail salon chain with 26 outlets, many of them in heartland malls like Jurong Point, AMK Hub, and Northpoint City.

The woman's son, Loh, wrote toΒ MothershipΒ after discovering that his 67-year-old mother had racked up over S$80,000 in credit card charges since 2019 at the Nail Palace.

"When I asked her how she thought she could realistically afford the high prices charged by Nail Palace, she told me that the employees in the store would not allow her to leave if she did not sign on to a package," said Loh.

When Loh's mother said that she did not have the means to afford this, the staff would explain that their services are affordable when the charges are paid over 12 monthly credit card instalments.

"They would also call her multiple times to harass her and ask her to return to the store," he said. Even when the nail salon was closed for the majority of the 2020, Loh said his mother was pressured into purchasing more packages.

Loh toldΒ MothershipΒ that his mother, who works in the finance sector, visited Nail Palace about once every three to four weeks before and during the pandemic.

As Nail Palace is well-established in Singapore, with numerous chains in the heartlands, Loh said she believed that they were trustworthy and did not suspect anything.

Troubled over credit card bills​

His mother has been struggling to pay her credit card bills due to difficulties in maintaining her income during the pandemic, and had also recently suffered a stroke.

"She is feeling lost and perplexed about why she is made to accumulate credit card debt for nail services, and is looking for a way to end this vicious cycle," said Loh.

Loh also uncovered a receipt that showed that the nail salon had charged his mother over S$11,000 during a single visit. Checking the prices of other nail salons, Loh said he found the prices at Nail Palace "far too exorbitant and a rip off".

"I was shocked that a nail salon located in the heartlands would try to cheat my mother of her money by hard-selling her a ridiculous number of overpriced nail packages over the course of the last three years," he toldΒ Mothership.

In the past two years, Nail Palace had charged the woman S$2,256 for 12 nail masks, S$3,696 for 22 coffee spa mocha treatments, and S$888 for one set of peeling cream, dry foot cream and metal foot files.

Nail Palace says it doesn't harass customers​

In response toΒ Mothership's

... keep reading on reddit ➑

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πŸ‘€︎ u/TsaiJack0
πŸ“…︎ Dec 28 2021
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Dropped my best ever dad joke & no one was around to hear it

For context I'm a Refuse Driver (Garbage man) & today I was on food waste. After I'd tipped I was checking the wagon for any defects when I spotted a lone pea balanced on the lifts.

I said "hey look, an escaPEA"

No one near me but it didn't half make me laugh for a good hour or so!

Edit: I can't believe how much this has blown up. Thank you everyone I've had a blast reading through the replies πŸ˜‚

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πŸ‘€︎ u/Vegetable-Acadia
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What starts with a W and ends with a T

It really does, I swear!

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πŸ‘€︎ u/PsychedeIic_Sheep
πŸ“…︎ Jan 13 2022
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A week in Northern Virginia on a $237k joint income (28, Customer Success Manager)

For context, I initially submitted a Money Diary here on Reddit last December, which was published on R29 here in February. It generated a fair amount of discussion and questions so I thought it would be fun to do a follow-up.

Section One: Assets and Debt

Net Worth: $1.04M ($452k in retirement accounts + $325,000 home equity + $181,000 in investment accounts + $83,0000 in checking/savings accounts). I have received ~$250,000 by way of an inheritance and substantial annual gifts from my family since I graduated from college, which allowed us to begin building equity at a young age and save much more than would be possible otherwise. We have $245k left on our mortgage.

Section Two: Income

We both got promotions with a modest bump in salary since my original money diary.

My salary: $86,000 base + $11,000 bonus

My husband F.’s salary: $135,000 base + $5,000 in stocks

We both max out 401k, HSA, and have medical/dental insurance taken out of our paychecks pre-tax.

My take-home pay: $1,815 (2x/month)

F.’s take-home pay: $2,901 (biweekly)

Section Three: Expenses

Mortgage: $2,507/mo

HOA dues: $229/mo

Utilities: $140/mo

Wifi: $84/mo

Cell phone plan: $40/mo

Pet insurance: $50.11/mo

BarkBox: $24.38/mo

Property taxes: $6,400/yr

Condo insurance: $412/yr

Car insurance & tax: $652/yr

Home security: $120/yr

Jewelry insurance: $204/yr

Chase Sapphire Preferred: $95/yr (downgraded from the Reserve since we haven’t traveled much during the pandemic - will likely upgrade again if/when this ever ends!)

Our pet expenses and savings vary month to month, which is why I don’t have them broken out as a monthly expense this time.

Day 1

  • 6:20 AM My alarm goes off and I should be getting out of bed to work out, but it’s Friday and I’m feeling lazy, so I go back to sleep for another hour. Once I’m up, I run through our dog V.’s morning routine and eat a bowl of cereal before logging on for work.
  • 8:30 AM Early call this morning with a great client - I typically don’t take client calls before 9, so it’s nice that he is so pleasant! My morning is stacked with meetings but they fall away one by one as the morning goes on. Not too surprising, considering it’s the Friday before the last couple weeks of the year.
  • 12:00 PM I order Sweetgreen on Do
... keep reading on reddit ➑

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πŸ‘€︎ u/throaway9799
πŸ“…︎ Dec 27 2021
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Why did Karen press Ctrl+Shift+Delete?

Because she wanted to see the task manager.

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πŸ‘€︎ u/Eoussama
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So 2 trees got arrested in the town I live...

Heard they've been doing some shady business.

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πŸ‘€︎ u/K1ll47h3K1n9
πŸ“…︎ Jan 18 2022
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I’m 26 years old, live in NYC, and recently broke up with my boyfriend, moved out, and got a new job for ~$180k.

Hi all! This is my third Money Diary, I’ve written them about every six months - last November and this past June.

At the end of the summer, my boyfriend and I broke up after a little over 2 years together. It was amicable and relatively mutual, but absolutely a hard decision to make. Neither of us felt like the relationship was fun, exciting, or β€œright” anymore - felt like more work thann anything I realized I loved him in a lot of ways but maybe just not… enough? But it was still extremely hard to pull apart our lives that have been so intertwined. I still love him in some ways and want to stay friends. More about that later.

We lived together for another month after breaking up (would not recommend, lots of tears) and I moved into my new apartment in October. I also started a new job in October. Lots of changes!

I’ve noticed I get some similar questions about my savings amount, getting into product management, and switching companies frequently. Here are some answers to those questions from previous diaries:

I’ve loved this community for resources and learning, so I hope I can contribute to that as well. Feel free to ask more questions on those topics (but those are the general answers)!

Section Zero: Context
I'll answer most of the questions from my last diary, but try not to copy/paste big chunks of text. I'll add if anything has changed.

What do money and success mean to you? What are your end goals?
Breaking up with my boyfriend and moving out meant that my financial situation changed. I now pay $2,200 a month for rent instead of just $1,100. I absolutely could have found roommates or lived in a cheaper part of Brooklyn, but at this point, for my mental health I wanted to live closer to my friends (who also live alone) and pri

... keep reading on reddit ➑

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What is a a bisexual person doing when they’re not dating anybody?

They’re on standbi

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πŸ‘€︎ u/Toby-the-Cactus
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What is the scariest tree?

BamBOO!

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πŸ‘€︎ u/K1ll47h3K1n9
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Geddit? No? Only me?
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πŸ‘€︎ u/shampy311
πŸ“…︎ Dec 28 2021
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I wanna hear your best airplane puns.

Pilot on me!!

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πŸ‘€︎ u/Paulie_Felice
πŸ“…︎ Jan 07 2022
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I was almost upset that my coffee tasted like dirt today

but then I remembered it was ground this morning.

Edit: Thank you guys for the awards, they're much nicer than the cardboard sleeve I've been using and reassures me that my jokes aren't stale

Edit 2: I have already been made aware that Men In Black 3 has told a version of this joke before. If the joke is not new to you, please enjoy any of the single origin puns in the comments

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πŸ‘€︎ u/scarf_spheal
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E or ß?
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πŸ‘€︎ u/Amazekam
πŸ“…︎ Jan 03 2022
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Which actor drives the least?

Christopher Walken

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πŸ‘€︎ u/TR1771N
πŸ“…︎ Jan 18 2022
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What did Spartacus say when the lion ate his wife?

Nothing, he was gladiator.

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πŸ‘€︎ u/rj104
πŸ“…︎ Jan 15 2022
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Pun intended.
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πŸ‘€︎ u/Sharmaji1301
πŸ“…︎ Jan 15 2022
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Sri Lanka appeals to China to ease debt burden amid economic crisis

A world drowning in debt that can't be repaid - what could possibly go wrong?

https://www.theguardian.com/world/2022/jan/10/sri-lanka-appeals-to-china-to-ease-debt-burden-amid-economic-crisis

Cash-strappedΒ Sri LankaΒ has sought to reschedule its huge Chinese debt burden in talks with visiting foreign minister Wang Yi, the president’s office said.

β€œThe president pointed out that it would be a great relief if debt payments could be rescheduled in view of the economic crisis following the pandemic,” President Gotabaya Rajapaksa’s office said in a statement on Sunday.

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πŸ‘€︎ u/Boo_Randy
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No spoilers
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πŸ‘€︎ u/Onfour
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Covid problems
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πŸ‘€︎ u/theincrediblebou
πŸ“…︎ Jan 12 2022
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Should we create an English word for the 'day after tomorrow'?

Or would that be too forward thinking?

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πŸ‘€︎ u/afunkysquirrel
πŸ“…︎ Jan 19 2022
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These aren't dad jokes...

Dad jokes are supposed to be jokes you can tell a kid and they will understand it and find it funny.

This sub is mostly just NSFW puns now.

If it needs a NSFW tag it's not a dad joke. There should just be a NSFW puns subreddit for that.

Edit* I'm not replying any longer and turning off notifications but to all those that say "no one cares", there sure are a lot of you arguing about it. Maybe I'm wrong but you people don't need to be rude about it. If you really don't care, don't comment.

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πŸ‘€︎ u/Lance986
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Spi__
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πŸ‘€︎ u/Fast_Echidna_8520
πŸ“…︎ Jan 11 2022
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I dislike karma whores who make posts that imply it's their cake day, simply for upvotes.

I won't be doing that today!

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πŸ‘€︎ u/djcarves
πŸ“…︎ Dec 27 2021
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For Gotham
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πŸ‘€︎ u/FreeHugsXD
πŸ“…︎ Jan 17 2022
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[Scheduled] The Wise Man's Fear | 17 - 35

Welcome back readers!

We see Kvothe's squad grow larger through this section with Fela, Mola, and even Devi joining the gang! We'll have to see if Kvothe's luck is really turning around for once, but I think that's hardly likely...

You know the drill, I'll summarize the chapters and ask questions in the comments. u/FixtheBlue is going to be taking over the discussion for me next Tuesday as I will be on vaca (I'll still try and check in to the comments!) but you'll all be in great hands!

Chapter Summaries:

  • Chapter 17:
    • Interlude chapter - Old Cob and co. visit the inn and they have a toast to honor Shep, the boy who the prior night.
  • Chapter 18:
    • At the Eolian with Sim and Wil, Denna joins the 3 boys for a game of Corners. She begins asking them about the types of magic they learn at the University, and they demonstrate sympathy with some coins and wine. She suspiciously alludes to a type of magic where a person writes something down that then becomes true for whoever reads it.
  • Chapter 19:
    • Kvothe and Denna go for a walk and talk about her suitors, as well as various thieving schemes. Denna admits she ended things with Ambrose, but he still has her ring because he planned to fix the band for her. Kvothe promises to retrieve it for her.
  • Chapter 20:
    • The boys make a plan to steal back the ring from Ambrose’s dorm room. They write him a letter, seemingly from an anonymous woman, to get him out of the room. Kvothe sneaks in, but is soon warned by his friends that Ambrose has turned back. The window has sygaldry that warned him of an intruder and locked Kvothe in. Using sympathy, Kvothe makes a rushed escape, falling off the roof in the process and injuring himself slightly, all without the ring.
  • Chapter 21:
    • Unable to sleep, Kvothe heads to the Fishery to get some work done, and is warned that the strange woman claiming she bought charms from a red-haired boy came by again. He’s brought into Kilvin’s office where he’s asked to move onto more unique artificery projects. In helping Kilvin blow glass, Kvothe passes out from the heat and wakes up at the Medica with Mola where she hides his β€œfalling off a roof” bruises from her report.
  • Chapter 22:
    • Elxa Dal’s class is going well for Kvothe, if a bit boring. After class, Dal speaks with Kvothe about doubling up students on him during competitions because he’s doing too well. He also asks Kvothe how Elodin’s class is going, and Kvothe admits he’s afraid it might be a waste of
... keep reading on reddit ➑

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πŸ‘€︎ u/Neutrino3000
πŸ“…︎ Dec 07 2021
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The Ancient Romans II
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πŸ‘€︎ u/mordrathe
πŸ“…︎ Dec 29 2021
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What did 0 say to 8 ?

What did 0 say to 8 ?

" Nice Belt "

So What did 3 say to 8 ?

" Hey, you two stop making out "

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πŸ‘€︎ u/designjeevan
πŸ“…︎ Jan 03 2022
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I had a vasectomy because I didn’t want any kids.

When I got home, they were still there.

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πŸ‘€︎ u/demotrek
πŸ“…︎ Jan 13 2022
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