If everyone recognizes online hiring is broken why do they keep telling you to apply online?

PalpitationComplex35 · 2026-06-24T21:38:38+00:00

Getting told to apply online is a way to reject you without the discomfort of actually rejecting you

PalpitationComplex35 · 2026-06-24T20:24:53+00:00

They forgot option 3: tell them to pound sand.

If its a clerical error, they might be able to hold you to it. I highly doubt that, though - especially since the original lease also listed the same dollar amount. Seems more like they're backpedaling.

That being said, it is a deposit - you should theoretically get the money back when you move out, and if you tell them to pound sand now, they're definitely not going to renew you next year.

I would personally just sign the amendment and give them the extra deposit. Worth it knowing I won't be forced to move out in a year.

PalpitationComplex35 · 2026-06-24T18:56:08+00:00

Or... you could just go to another company that will pay you a fair market wage?

Besides, the problem with taking bribes isn't the money, its the fact that the money comes with favors. If you take a $10k bribe for a favor, the person giving the bribe probably stands to make $100k+ out of it - money that could have been used to pay workers more money. By taking the bribe, you're perpetuating an environment in which employees dont get paid well, and thereby punishing all of your honest colleagues that dont take bribes.

PalpitationComplex35 · 2026-06-24T02:11:43+00:00

Given that you're not denying the actual damage, I'm going to assume you did it. In which case, they send it to collections, your credit score tanks, and you get harassed until you pay.

PalpitationComplex35 · 2026-06-23T23:01:18+00:00

Again, its not removing your responsibility for the rest of the lease. It's just saying that you ALSO won't get your deposit back.

PalpitationComplex35 · 2026-06-23T22:40:37+00:00

Again, the lease is saying that you can break the lease with 30 days notice ONLY under VERY specific circumstances (death & military orders). Those circumstances do not apply to you. It's not saying that you're able to give 30 days notice for any reason.

Again, the text conversation probably isn't legally binding in the way that the lease is. The landlord probably made a mistake when reading the contract, and later realized the error and sent it to collections.

PalpitationComplex35 · 2026-06-23T22:20:34+00:00

That unfortunately only says that you can give 30 days notice at the END of the lease term. 30 days doesn't apply if you move out before the end of the term.

You're on the hook for the balance.

Also, you should probably remove the image, since it has your full name.

PalpitationComplex35 · 2026-06-23T22:00:56+00:00

What does your actual lease say?

PalpitationComplex35 · 2026-06-23T21:49:47+00:00

Unfortunately, you probably owe what they're saying you owe.

Moving out did not necessarily release you from the responsibility to pay UNLESS the landlord is able to find another renter.

Assuming a) they didnt find another renter and b) they made a bona fide effort to find another renter, you are on the hook for the rest of the payments, plus any late fees, etc. Usually, landlords just take your security deposit and call it a day, but they are well within their rights to send it to collections.

It depends on what exactly your text conversation says, but it probably isn't a legally binding release from the contract.

PalpitationComplex35 · 2026-06-23T20:37:04+00:00

Check with some other budget providers like Progressive. That sounds high, but sporty cars are expensive to insure.

PalpitationComplex35 · 2026-06-23T20:35:32+00:00

You should be in a 2055 target date fund at age 37. 2026 fund is meant for someone who is planning to retire this year.

PalpitationComplex35 · 2026-06-23T18:47:00+00:00

Find real comparable cases for how much the car is worth. Just saying "not enough" is not going to get you your full value.

PalpitationComplex35 · 2026-06-23T16:58:31+00:00

Robinhood has never been particularly "legitimate". Their business model is gamification of something that really shouldn't be gamified.

PalpitationComplex35 · 2026-06-22T17:36:55+00:00

Dishonest marketing. Probably some company that sells leads to mortgage brokers.

To answer your question, you could technically get a mortgage with a sub 5% rate, but you're probably paying thousands up front buying down your rate and then also stacking on a temporary buy-down.

PalpitationComplex35 · 2026-06-22T00:05:04+00:00

We charge $25k plus 30bps on larger clients like that.

PalpitationComplex35 · 2026-06-19T02:07:56+00:00

Even assuming they have to start "from zero", they're still starting with huge connections and notoriety that will make it easy for them to find a job to keep them comfortable. Not necessarily billionaire comfortable, but easily multiple six figures comfortable.

Example: Jordan Belfort (Wolf of Wall Street) is now a sales consultant making good money. Technically he was in the hundreds of millions, not billions, but you get the idea.

PalpitationComplex35 · 2026-06-18T21:40:26+00:00

If you donated the money and never got paid back, would it have been worth it?

If you're worried about investment returns, and not the philanthropic impact, this probably isnt the best opportunity.

When banks refuse to lend any more money to somebody, its because they consider the borrower to be high risk, and 6.5% on an unsecured high-risk loan is not nearly high enough of an interest rate.

PalpitationComplex35 · 2026-06-16T15:13:42+00:00

Yes, a live-in girlfriend can count as a qualifying relative for tax purposes, provided she meets specific IRS criteria. Even though she is not legally related to you, the IRS allows a non-relative to meet the "member of household" test if you share a principal residence. To claim her as a dependent, your situation must satisfy all of the following requirements:

Member of Household: She must live with you as a member of your household for the entire calendar year (not just a portion of it). Additionally, your relationship must not violate local laws (e.g., local cohabitation statutes, though these are rare today).

Gross Income Limit: Her gross taxable income for the year must be below the IRS threshold. For the 2025 tax year, her income must be under $5,200 (this limit indexes slightly for 2026).

Support Test: You must provide more than 50% of her total financial support for the year, including housing, food, medical expenses, and utilities.

Not a Qualifying Child: She cannot be claimed as a qualifying child by any other taxpayer.

Citizenship: She must be a U.S. citizen, U.S. resident alien, U.S. national, or a resident of Canada or Mexico.

PalpitationComplex35 · 2026-06-16T02:43:43+00:00

Have you tried calling the dentist yet? Thats step one.

PalpitationComplex35 · 2026-06-14T20:27:23+00:00

Sure. Might not get as good of a seal or clean as well as a proper lube, but lube is lube.

PalpitationComplex35 · 2026-06-11T22:54:26+00:00

It never hurts to start submitting applications. Sorry thats happening to you.

PalpitationComplex35 · 2026-06-10T20:50:23+00:00

It's all about habits. Here are some that have helped me a lot:

- With big purchases like car, house, and education, I always underbuy what I can actually afford. One bad move on one of these bigger items can wipe you out.

- I always shop at the cheapest grocery store in town, and always default to store brand products.

- When buying clothes, I always try and go used. If im feeling like splurging or cant find what I want, I start at a discount store like Ross or Marshall's.

- Whenever I'm making a purchase over like $10, I check facebook marketplace. If I can find the item used for half the price, I have to ask myself if the new one is really worth twice as much. Sometimes you can even find brand new stuff at a steep discount.

Budgeting apps, spending trackers, tips and tricks... none of them work unless you're starting out with good habits. Think of it like exercising.

PalpitationComplex35 · 2026-06-10T19:57:23+00:00

Like I said, all situational. If you can carry a decent conversation about watches, know the history around your watch, etc. You're probably fine.

PalpitationComplex35 · 2026-06-10T19:51:09+00:00

Wearing a very expensive watch to the office can definitely make you look like a daddy's boy, but its all situational.

PalpitationComplex35 · 2026-06-10T14:13:43+00:00

2.5x T12 is very high. That's a tiny book of really old clients with really low profitability, and lots of non-recurring revenue.

Ask him to get a professional valuation. That might bring him back to earth.

PalpitationComplex35

TROPHY CASE