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!
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 ➡Do your worst!
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 to Mothership 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 told Mothership 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 told 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 to Mothership's
... keep reading on reddit ➡It really does, I swear!
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 😂
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
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 “right” 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:
- How do you have so much saved/invested at 26?
- How did you move from CX to product? and How do I break into product management?
- Do you get a bad reaction from moving jobs so much?
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
They’re on standbi
Buenosdillas
Pilot on me!!
A world drowning in debt that can't be repaid - what could possibly go wrong?
Cash-strapped Sri Lanka has sought to reschedule its huge Chinese debt burden in talks with visiting foreign minister Wang Yi, the president’s office said.
“The 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.
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.
I won't be doing that today!
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 “falling 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
You take away their little brooms
Edit: I'm not dead with covid but honestly I wish I was. This bills. The eating up of all the sick/vacation time for the entire year. The depression. The loneliness. I missed an interview with my dream job and they won't reschedule. I just want this to be over. The struggle. The bullshit. Everyday is so hard. And I can't even find someone to go thru the struggle with. I'm alone. I'm depressed. I'm drowning in debt. And I can't even smoke a joint without someone screaming at me that if I can afford a joint I can afford literally anything else. No. Shut the fuck up and let me spend $10 to forget everything.
First I lose my home because my boyfriend was a cheating shit stain. Then I lose my best friend to suicide. Then I lose my next home because my best friend owned that house. Then the upstairs neighbor in my new place let's her toilet clog and over flow for two days until it exploded in my closet destroying alot of my things, including stuff from my dead friend. Finally go on a date and he turns out to be a woman hating psychopath and I was genuinely scared when I told him I was done. Then a squirrel moved into my wall. Now I have fucking c0vid. When do I get a fucking break? Huh? When's it my turn for a little luck? When does all my hard work pay off? I'm so sick of so much bad shit happening to me I can't take it anymore. I feel like I'm probably going to die alone in the hospital forgetting what it feels like to be happy. Fuuuuuccckkkkkk you antivaxx antimask fuckholes. I'm vaccinated and wear my mask and don't go anywhere I absolutely don't have to. You probably killed me.
It’s pronounced “Noel.”
When I got home, they were still there.
What did 0 say to 8 ?
" Nice Belt "
So What did 3 say to 8 ?
" Hey, you two stop making out "
This morning, my 4 year old daughter.
Daughter: I'm hungry
Me: nerves building, smile widening
Me: Hi hungry, I'm dad.
She had no idea what was going on but I finally did it.
Thank you all for listening.
There hasn't been a post all year!
