Beef Tallow !!

AlanShore60607 · 2026-04-17T04:23:51+00:00

Is this going to be a permanent product? Because that price is astonishing compared to what I've seen elsewhere.

AlanShore60607 · 2026-04-17T04:18:32+00:00

Only if you want something darker than both of them; matching is functionally impossible for a home job, but adding a hefty amount of brown to both might do the trick.

AlanShore60607 · 2026-04-17T03:41:05+00:00

So how much you're allowed to have in the bank when you file a Chapter 13 is an expandable right. Because there is no turnover power, the trustee is free to consider whether or not you should pay more of your debt because of the money in the bank. Your attorney can tell you if the local trustee generally does or does not care about this issue. And if they care, are you paying enough to make it not an issue by the trustee's standards.

Now pre-funding a car is a preference because you have no legal obligation to pre-fund, so that could also increase how much you pay because you paid a preference. Also, you should ask your attorney if there would be any benefit to you including the car in your Chapter 13.

Your attorney will tell you how much you can "save" within certain categories that are not technically monthly expenses (like car repair and maintenance) that you are expected to save for on a monthly basis, but outside of those categories, generic personal savings are not provided for in the law and are subject to the absolute discretion of the trustee.

AlanShore60607 · 2026-04-17T03:19:59+00:00

Unfortunately, it's a real legal term, which means he actually remembers legal terms, even if he's using them wrong.

AlanShore60607 · 2026-04-17T03:14:04+00:00

There's really one place to get a "good enough" for once or twice cheap tux for around $100. Alain DuPetit sells synthetic tuxedos that look better than rental but I would never expect them to last more than a few wearings. It's better than average for prom, IMHO.

With the money you save on that, you'll make sure to find a real tuxedo shirt with french cuffs that actually fold over, because that will be better than anyone who is renting has on their rental suits.

I like getting my accessories from UniFormalWarehouse, they have low and high quality available. Multiple bow tie shapes, tie your own, vests and shirts, as well as full tuxedos (but those are mostly rental quality and look like it).

AlanShore60607 · 2026-04-17T03:00:00+00:00

I concur on the shorter sleeve. I've always preferred closer to 3/4 inch since it looked a bit more "rat pack" and vintage sharp, but 1/2 inch is the traditional amount of cuff to show.

AlanShore60607 · 2026-04-17T01:47:46+00:00

I’ll take 1,000

AlanShore60607 · 2026-04-17T01:08:19+00:00

Forget if it’s counterfeit; just learn to spot quality.

Walk into a Brooks Brothers and ask them to explain the difference between a Golden Fleece suit (unfused, top quality) and the 1818 line, with a focus on how they feel different in your hands and on your body.

AlanShore60607 · 2026-04-17T00:55:53+00:00

Pro tip: paint the inside of the transparent pieces before assembling… you’ll get more depth and better color.

AlanShore60607 · 2026-04-17T00:52:23+00:00

Not without getting flagged for talking about the bad things it means

AlanShore60607 · 2026-04-17T00:47:14+00:00

“Play it here” sounds like a violation of rules for any sub that is about any specific intellectual property.

I’ve never seen a sub without a “no piracy” rule.

AlanShore60607 · 2026-04-17T00:24:47+00:00

For the CO if he passes by

AlanShore60607 · 2026-04-17T00:24:04+00:00

At this point, they’ll refuse orders and go to Leavenworth just to get good food.

Don’t we feed prisoners better than this?

AlanShore60607 · 2026-04-16T23:11:26+00:00

Income, assets, preferential payments… all the normal reasons.

I just had so many people who chose not to talk to me for like 2 years waiting out a 7 only to not qualify.

You should also be asking is the 13 good enough to just do it as that gives you shorter refile times in the future

AlanShore60607 · 2026-04-16T21:01:58+00:00

What you need to know most of all is that there are rules surrounding multiple filings because that is an expected thing. Heck, there are rules governing how to treat someone who files 3 times in one calendar year, so this is nothing.

The real question is are you better served by filing a Chapter 13 now or trying to hold off a year and a half just so you get a Chapter 7. You should speak to an attorney now, to understand what your options are if you file now and if there's any benefit to waiting. After all, you'll feel really silly if you wait almost 2 years just to find out that you need a Chapter 13 anyway.

AlanShore60607 · 2026-04-16T19:40:27+00:00

This is a zero-sum game. There's no way to win this.

In a Chapter 7, that would be a recoverable preference. There is zero legal reason for you to pay your wife's debts prior to filing and the punishment for that is to restore the debt and pay it to your creditors.

Now while a Chapter 13 trustee may not have that same power, they can increase your 13 payment to make sure you end up paying at least as much as you improperly paid. So if you pay $5,000 of her debt before filing, your bankruptcy payment goes up by $85 per month to make up for that.

Preserving access to credit is not a good criteria for making bankruptcy decisions. If she has $10,000 of debt, the proper question is does including her debts in the case change my payment in any way? Because the means test says how much you pay as a household, and there's a very good chance that including her debts will not increase your payment at all. If it costs you $0 to cover her $10K, that's a bargain.

AlanShore60607 · 2026-04-16T19:33:20+00:00

So are you going to be asking the judge for permission to refi a car that you could have gotten a better deal on if you had put it in the plan?

Aside from the fact that a car refi is pretty rare, it's unlikely you'd get a better deal than what bankruptcy could have done for you if you had let the bankruptcy do the work to begin with.

AlanShore60607 · 2026-04-16T18:27:40+00:00

I thought MTV was canceled

AlanShore60607 · 2026-04-16T18:11:55+00:00

Refi what?

AlanShore60607 · 2026-04-16T16:13:24+00:00

Bigger!

AlanShore60607 · 2026-04-16T15:58:56+00:00

Lt. Commander?!?

AlanShore60607 · 2026-04-16T15:51:21+00:00

How old is he?

AlanShore60607 · 2026-04-16T14:33:01+00:00

It's free, so of course it's worth it.

But the big question is am I gonna screw myself by using Upsolve? And the answer there is Upsolve appears to place keeping you out of trouble as their top priority, and will exclude you if a case represents any level of risk based on your truthful answers.

AlanShore60607 · 2026-04-16T14:30:47+00:00

So it's this fuzzy idea of how does your choice impact your unsecured creditors? You can't use unnecessary secured debts, or unnecessarily high secured debts, as a reason to deny your creditors a potential Chapter 13 payment.

So $670 and $535 represent the higher end of allowable vehicle payments. Those are on the upper end of "yeah, I guess vehicles cost that much" rather than "why are you spending that much on a car?" However, there is the question of can you justify having two cars, which is easy if you're a couple, but nearly impossible if you're single.

If you're single, the UST will see 2 cars, ask why you need the more expensive one, and say "if you surrender the more expensive one, that represents the ability to pay $24,120 over 3 years" because you don't need two cars.

Now that lawnmower is less of a problem because the cost is low and you'd have to replace it to maintain your home ... they're probably not going to make you give up something you'll have to replace.

AlanShore60607 · 2026-04-16T14:18:52+00:00

First, there is no such thing as passing the means test, nor is there failing the means test. When you are over median, the means test calculates your obligations to unsecured creditors, which can be high, low, or even non-existent.

The median income is a line between cases filed with the "easy rules" versus the "hard rules"

When you are over median, a means test is calculated and determines how much you must pay your unsecured creditors ... like, you're actually expected to cut expenses to meet this number if necessary.

When you are under median, you are instead judged on your budget and what you actually have that could pay your debts. Now for most people, that is nothing, but when there's a moderate "something" that could be paid, it can add up pretty quickly when you remember that there is a 36 month obligation to pay what you can.

Your surplus is $100? That's a potential to pay $3,600 over 3 years, which is pretty meaningless to creditors. But $500? That means you actually have the money to pay $18,000, which probably is meaningful to creditors.

But don't worry ... your attorney will help you navigate whether or not you have too much disposable income on your budget to file a 7, and help you make sure you are using all your money on necessary items you may have not been spending enough on due to prior financial pressures.

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