Re: Re: MSN Your money boards Sorry, he's not right on. He lacks complete vision. Looks at the here and now, and not the picture. He's linear, not dynamic. Have you seen his posts, I kind of pitty him. In a nut shell, he only sees the green in life, never the rainbow. Unfortunately, too many people think green leads to rainbow, when all it does is point you in the opposite direction. getting to deep.
Re: Re: MSN Your money boards I will give my experience for the record. I was one of the people who was military and was required to pick up and move at the governments whim. Upon a move to California, I closed my telephone account requested a final bill, gave a fowarding address, and did not request my deposit ( I was about 19) Guess what happened, the bill was never sent to me, it was sent to a collection agency, who basically called me a deadbeat and ruined my credit, along with a bunch of other stuff. I paid this collection agency within a month of 1st contact and this crap has haunted me ever since. Sometimes things are beyond a mere mortal's control. Companies and government entities are bogged in bureacracy and unfortunately, the little man gets crapped on. I work for a government entity and believe me, we crap on people all the time. I have seen assessments done, judgements sought and gained, all without the sucker taxpayer having a clue. So the logic of budgeting your money, saving a nest egg and living within your means would not apply to all situations. In a nutshell this board has not pigeon-holed people or labeled them and that is why I frequent it.
Re: Re: MSN Your money boards Just what is a legal assessment of taxation? What is the proper form number for the assessment of taxation? What does it consist of? What must appear upon it's face in order to qualify as a legal assessment of taxation? I was unaware that IRS ever used judgments. I have always been under the impression that all they ever did was to file a NOTICE OF LIEN. What is a taxpayer? Who has ever defined what a taxpayer is? What is it that makes a person a taxpayer? Does a RACS 006 constitute lawful assesment of taxation? How can one get a copy of his IMF and the IRS manual which defines the codes found in his IMF so that he knows what they mean?
Re: Re: MSN Your money boards It is easy for some people to belittle those that have money or credit problems. It is a real authority who has been on both sides of the situation and can take his/her time to help those in need without being judgmental. There are moral issues to many situations in life. What I like about this board is that there are real people who have been through many credit situations and they unselfishly take their time to help others without being judgmental. Also, the vets on this board don't have an agenda like the so called experts on MSN. It is also sad that the popular media buys into the crap that is espoused on MSN and others like; go to CCCS, work with the CA's, etc. The average person doesn't know what to do but if they hear it on TV.....it must be true. NOT! My message for today! NV Bone Doc True health comes from within
Re: Re: MSN Your money boards Well, I think both boards have both kinds of people - those that want to change their ways and those that don't. I found this board to have more substance than MSNM. I started with 24k in July 2001 and I'm now at 12k. It will be paid off by March 15th 2004, 2 years and 8 months after I started repaying it. That repayment includes over 305 DVDs, a 5 megapixel digital camera, a laptop (well, that was 2002 tax refund), and a portable DVD player. How did I do it? A little over 300 overtime hours in 2002 and over 300 overtime hours in Jan-April of this years. I have a 25k salary since July 2002 and less before that. If I can repay 24k of debt in less than three years on a 25k salary, anyone can. There are those who shy away from credit. I'm not one of them. I've gotten a $250 secured card, a $5000 platinum card that is now a $7700 card, a $200 Mobil card that I -just- got approved for two days ago, and a $1,000 Dillards store card (funny story - I was reviewing my credit report through PrivacyGuard.com beccause someone has used my SS# to get at least 4 cards (I have to follow her around having the cards shut down) and saw a 1999 Dillards card. I called and was told that yes it was still open with a $400 limit. Since it's a fairly old card (for me, anyway) I decided to keep it open and the rep asked if I wanted a limit increase. I haven't used this card in like 4 years, if ever. Within 2 minutes I had a $1,000 limit. I figure I'll do my clothes shopping there when they have sales to build up some usage history). The changes I've made have raised my score from the 400's to the 600's. I got into the debt trap when I was a jobless student. As soon as I graduated and landed a job in July 2001, I started repaying everything. When I finish with all the debt I'll see if I can pile some more - of the good, mortgage-type one though Taxes were made to married people with kids and a house, I tell you. Nothing but taxes for us single, child-less renter ones.
Re: Re: Re: MSN Your money boards Okay, a little tax law education for you Bill, when a taxpayer does not file a tax return for themselves and has been notified that they are required to file, the IRS has this little known program called SFR-substitute for return. Basically we file the tax return for you and do not take into consideration any deductions. This in turn gives you, taxpayer, an assessment, the IRS assesed it, not you At this time we begin the process of collecting on this information. Since the government is Big Brother, the IRS receives your wage information, 1099-MISC, 1099-C, dividends,etc. At this time, is when the real fun happens, levies, liens, repo of real cash assets, etc. The tax law is based on congressional law. This is what we send those jerks to washington to come up with. The codes are secret and when you leave the IRS, you cannot take confidential information. Basically it is a system where you, joeblow are screwed and the IRS, US gov, and some poor slob who only makes about 10 bucks an hour are the winners.
Re: Re: Re: MSN Your money boards Hey Deb, I'm going to bring up the post from the other day, when you asked about credit increases, but didn't want to name the bank because of privacy issues. But now, you just told us you have a Mobil card and a Dillards card. My point is that you really could have told us the other bank and you probably would have gotten some good answers.
Re: Re: Re: MSN Your money boards There's a reason I don't want to mention that particular card. I'm not trying to be difficult, that's just one piece of information I don't want to give.
Re: Re: Re: MSN Your money boards When a what? We don't have a definition of the word "taxpayer" in this discussion yet so I don't know what you are referring to here. Me? I have very severe reservations about that . I sincerely doubt that I fall under the legal definition of "taxpayer"
Re: Re: Re: MSN Your money boards Well to define a taxpayer, as the US government defines is any person who legally or illegally resides within the United States and it's borders. Trust me, I have received many stories from Tax Protestors who state and they are in some instances totally right, that they are residents of the state and therefore are not subject to Federal taxes. Unfortunately, the US has taken many of these people to court and with law on their side, made these people subject to taxes. As far as the income information. I left in 1999 but there was a trend that was beginning to arise. There were people who were working and living under other's social security numbers. The employers, who I believe were in cahoots, would employ an alien who provided them with the required documents. The SFR program is based on information that is provided by the social security administration. There is a code for it, but I am unable to think of what it is off the top of my head. I don't take offense to bashing IRS, I too, have been a victim of the beast. I just learned the hard way to keep my head down, check my SSA statement of income and ensure that I don't become a victim of further ID fraud.
Re: Re: Re: MSN Your money boards Well, that may be the way IRS defines it but the federal courts don't seem to agree with them. Four federal judges have all ruled that a person is not a taxpayer unless and until they have lawfully been assessed a tax. Probably one of the most notable was the landmark 10th circuit case of Radinsky v. U.S. in 1964 wherein Judge Richard Matsch ruled exactly that. There have never been any dissenting rulings that I am aware of. So then, absent a lawful assessment of taxations the courts rule that one is not a taxpayer. I'll trust you on that but that don't mean I believe the protestors. Too many of them doing time on that little argument. (lol) Sadly that is true. IRS don't really seem to keen on obeying the law. Yep. That's been going on forever. And it is still happening. I am very familiar with that little trick too. I'm not really into bashing them and I don't claim to be a protestor either. I do know some people who would easily qualify for that however. Probably the best way.
Re: Re: MSN Your money boards Right on! There is a thread not too many days old started by a woman who had her bank account garnished. She wanted to know if it was legal, what her rights are, etc. I looked up her history on this board, read all her old posts. She started here two years ago, used some of the credit repair techniques, had some success and some set-backs. At one point whe was trying to buy a house. She was looking at financing at 11% with a seller carry-back. I don't remember the exact numbers, but I do mortgages and I remember thinking the house was too expensive for her income even at normal rates. I wasn't able to find if she ever bought the house or not. The point is she was a user of this board for two years, and was in the same situation she started in. Unable to pay the bills and getting sued for it. I think that's what non-judgmental advice does. Judgment isn't about making someone feel bad, it's a reality-check. Nobody from this board ever told her that what she really needs is to stop spending too much and to find a way to pay her bills, yet that's exactly what she needs to hear. I ask the same question. How many people come here, ask a few questions, get some answers, and then get themselves into deeper trouble because they didn't address the real issues in their lives? You wouldn't know about them. They would be the ones who lurk for a while, ask some questions for a few weeks or months, and then vanish, their handles forgotton by the regulars.
Good point, Jlynn. I havn't been here long and my opinions are still evolving. I havn't read all 1106 pages of posts here, but I've read more than you think. Not much not lately. Hey, don't hate the messenger, hate the message. I've Ive been reading these posts for a week, and I havn't seen them. Maybe it's time to emphasize it some more? I hear this so often. I don't live in the real world, I've never faced hardship...Usually it comes from the same people who say I make assumptions about others. I live in the same world you do, I live by the same rules. Hardships and tragedy happen to everyone, I'm no exception.
Re: Re: Re: MSN Your money boards The thing abuot Shot Caller is that he owns the payday loan store. When he loans you money, it's his money. The same money he uses to buy groceries, pay his mortgage and car payment,keep his business going, and keep his kids in school. If you don't pay him back, you threaten his ability to do all these things. He takes that very personally. It's different when you know that, don't you think? It's not the big heartless multi-national billion dollar creditor against the little guy. With Shot Caller, it's one-on-one. He loaned his personal money. If he doesn't get paid, he's out that money. It's not a group of nameless shareholders who lost a fraction of a penny in share value, it's one man out $1000. Ugh...So you think a person should stiff his creditors just because he's 34 and should start thinkng about retirement? Better the banks should take a loss...?! You seem to think that it's right for a large financial entity with deep pockets to pay for the mistakes of an individuals poor judgment. The problem with that thinking is that there are only a hadfull of these large financial entities, and there are three hundred million Americans. If you do the math, a typical credit card balance can be paid off in four to five years with the minimum payment, so long as the consumber doesn't reduce the payment as the balance goes down. Of couse, it gets paid off a lot faster if the consumer pays more.
Re: Re: MSN Your money boards Mycroft, please understand that it is not my intention to further the spats going on nor to put you down in any way when I say that in my personal opinion it is you who needs the reality check. I will explain why in just a moment. I most respectfully disagree. Here is why. You don't know the lady and neither do I. What I am aware of is the sad fact that all of us are not born equals and as far as you know that lady may just be blessed with an IQ somewhere in the 70 to 90 range. That don't mean she is an idiot. If that is the case then she may very well be severely handicapped in one area and pretty well advanced in others and some where in the middle on others. It's called "educationally handicapped" and thankfully today we recognize those unfortunates in our society. Take my own son for instance. He has an IQ of 70 and the doctors say he will never be able to operate at a level greater than that of a 12 year old child. He will soon be 21 years old. And he still don't manage money very well and can't even count his change correctly most of the time. The kid is so dumb that he can't even do 3rd grade math very well. His handwriting is horrible. He never seems to learn. Or does he? Let's see about that now. What does he do that's right? Well, he is bilingual, fluent in English and Spanish. He is good at fixing and programming computers. He has a pretty good grasp of networking principles and hubs and routers and switches and he knows most of the common operating systems pretty well. He does house calls fixing other people's computers and lots of his customers are Hispanics. He's good at lots of other things too. Is he a dummy? I don't think so. He does have disabilities but he isn't an idiot by any stretch of the imagination. Most folks don't even realize just how badly he is handicapped until they have known him for a very long time. He's never been involved in gangs or drugs, don't smoke, drinks once in a while when with friends but that's about it. All in all, he's a pretty good kid even if he does have his faults and shortcomings. And his shortcomings are well documented to have been a birth defect, an accident at birth in the delivery room at the hospital and it wasn't something that the docs could have avoided either. It may be that and it may be "spanking" someone who has a learning disability too. No matter how much you beat people like that all they can do is suffer. That's because they don't have the capacity to do different. But do you know that? Do you know that the person you are trying to "reality check" isn't a handicapped person? Did you ever stop to consider that before you start thowing your "reality checks" around? No, you didn't and don't try to feed me some BS about it because the thought never crossed your mind. Do you really think the person you are "reality checking" is going to get down on their knees and sob and cry and beg you to leave them alone because they are handicapped and can't help what they do? IF so, think again because all they are going to do is hate your guts. And those people in this and other communities watching that person take your "well intended" abuse are going to hate your guts too. I think it is you who needs the reality check so just consider this to be your reality check. I can see slamming others when they slam you but until you are viciously attacked as I have been at times in the more distant past then I don't think "reality checks" are in order. Like I said, I hope you take this as a "reality check" and not another "attack" or put down.
Re: Re: MSN Your money boards Amazing!! People who feel they are so good they can pass judgment on others. I went to that board one time. It turned my stomach.
Re: Re: Re: MSN Your money boards I appreciate your words, Bill. I know you say them with a kind heart. No, I've never had anyone get down on their hands and knees and beg me for anything, handicapped or not. Well, in play, but that's a private matter The most common response I get is that "you don't live in the real world, you've never known tragedy or hardship, I hope you never have to face..." Sometimes I get no response. Sometimes, rarely, I get a thank you. Sometimes it's public, sometimes private, it's always heartwarming to hear. There have been some recent ones over at MSN Money credit repair for both myself and Shot Caller within the last week. If you still lurk there, you may have seen them. Still, if you think I step over the line sometimes, you're welcome to be my Jimmeny Cricket.
Re: Re: Re: MSN Your money boards No, I just go check out the posts once in a while. I already play Jimmy Cricket to about 375 people nationwide right now and they are paying me to do it. On top of that I've got to take care of family and am in the process of learning a new batch of programming language. I've got to run my own message board and write articles and much much more. And you want me to Jimmy Cricket you for free?
Re: Re: Re: MSN Your money boards I'm one of the hundreds who learned a lot from Jiminey Cricket (Bill). I would rather hang with Jiminey Cricket any day than the folks at MSNM. NV Bone Doc Member of the 650 Club True health comes from within
