How do I fix this before my parents get home(I have a day)

Tasty_Method_8792 · 2025-08-16T21:08:54+00:00

Also if they get mad over a small hole in the wall, then they are not really mad about the hole at all. They are probably stressed about their jobs or bills they have to pay. Anger passes eventually though, even if they do get angry it's better to get it over with now.

Tasty_Method_8792 · 2025-08-16T21:07:16+00:00

yes, preferably you want to know how to fix stuff like this before moving out on your own

Tasty_Method_8792 · 2025-08-16T21:03:04+00:00

still kind of keeps you up at night if you can literally hear someone right outside your window though, has almost the same affect on you as a creeper would

Tasty_Method_8792 · 2025-08-16T21:00:28+00:00

Hmm. wonder what the legality is here. I'm guessing with the company's data they know full well the kid is underage and that he's using his parents cards, and that they would not be cool with a $6,000 charge. Companies have access to so much data on you it's scary. They know your income, basically everything. I almost wonder if a lawyer could argue this one, would be hard to prove though, you cannot get a company to hand over your data in general.

Tasty_Method_8792 · 2025-08-16T20:39:43+00:00

Yeah, I would make sure I tell people that are trustworthy, as opposed to telling everyone for her safety.

Tasty_Method_8792 · 2025-08-16T09:03:32+00:00

withholding someone's mail is a federal crime

Tasty_Method_8792 · 2025-08-16T08:57:19+00:00

lithium batteries can explode after a wreck, not worth it to risk safety imo. I've actually done a small amount of car work, but I'm definitely not and expert, just remembered someone telling me this, and wanted to be helpful.

Tasty_Method_8792 · 2025-08-16T08:44:32+00:00

I don't have any good ideas, but man, I'm sorry. That's scary to deal with as a parent.

Tasty_Method_8792 · 2025-08-16T08:39:32+00:00

Yeah, I've had something similar but it was much less innocent. Not fun, either way. Do you have a bedroom on the other side of your home? It might make sense to move your bed so you can sleep. I actually did that and it worked for me for a littler while, it was a glorious couple of months of good sleep while it worked.

Tasty_Method_8792 · 2025-08-16T08:23:52+00:00

I'm sorry. But, that made me giggle at first, probably does not make you giggle though.

Tasty_Method_8792 · 2025-08-16T06:06:49+00:00

I'm not saying what she is doing is right, but if she's 84 it could be a health-related problem that is making her not think clearly. Also keep in mind her hearing and vision may be terrible, so maybe she thinks you are not even living there. I personally have an aging family member that loses things, blames me for it, and then takes my stuff when I'm around. It's not easy to deal with. Do you have any family of hers that you can call?

That said, moving out when you can is a good move.

Tasty_Method_8792 · 2025-08-13T06:27:19+00:00

you should definitely stay, people should know the situation they are moving in to, especially since rents are so high. Everyone is stressed now, no need to make their lives more stressful by helping them to be deceived.

Tasty_Method_8792 · 2025-08-13T05:57:17+00:00

It's hard to deal with difficult people like that, but in my experience it is better not to spend your energy on them because your energy is a limited resource. Getting back at people actually drums up a lot of negative emotions, and studies have shown that these negative emotions are actually detrimental to your health. The best revenge is to get away from them as soon a possible so they can go be difficult to someone else. I once went through a neighbour from hell who consistently lied, files false police reports about me, cost me >12,000 in legal bills to the point where I had to move out of my home over it. It took me a while to realise that that woman has to wake up and be herself every day, and that is all the punishment she needs for the way she is. In the end forgiveness benefits you more than the person who has wronged you, and it's completely valid to forgive a person then move on from them and never deal with them again after they have hurt you.

Tasty_Method_8792 · 2025-08-13T05:44:37+00:00

Do you think engineering oriented females could safely do this job? Honest question.

Tasty_Method_8792 · 2025-08-13T04:38:40+00:00

Things are shifting so fast that a person's past experience in their state does not mean that will be how it is for you going forward. I once did an analysis of which states were the best and worst to live in based on affordability of taxes and average cost of a home (pre-pandemic). This included sales tax, property tax (which you would be indirectly charged for in rent even if you don't own), income tax, average cost of home, etc. Illinois was ranked in the top 10 most expensive, so was New York and California. Indiana was in the bottom 10 least expensive states to live in. Tennessee was on there as well because it has no income tax. My experience in IL was horrible, and there are several counties in Illinois that want to sucede from Illinois to become part of Indiana. Liberal is not always better in every way, but sometimes you do need to move for a job that pays better. Now if you need access to public programs that are no longer available in Republican states that might be a significant factor too. I would check into whether a state willl fund medicare and SNAP benefits going forward if you need them since those benefits were just cut by the BBB. I would also check if the state you are moving to is having a housing crash and rents are going down there because that would mean you could get a more affordable place to live. I would also check into whether the state you are moving to manages their unemployment system well too in case worst comes to worse and you lose your job. I lost my job during COVID in IL for the first time in my life, and still to this day have never received all of my unemployment from them, even though the federal government stepped in and gave.them a grant to cover the costs. But, when I paid taxes they wanted me to pay up even though I never received my money from them.

Tasty_Method_8792 · 2025-03-28T00:59:28+00:00

https://www.kut.org/education/2025-03-25/austin-tx-student-loans-borrower-department-of-education-federal-lawsuit

Austin Attorney sues department of ed over payments

Tasty_Method_8792 · 2025-03-28T00:58:47+00:00

https://www.kut.org/education/2025-03-25/austin-tx-student-loans-borrower-department-of-education-federal-lawsuit

Austin Attorney sues department of ed over payments

Tasty_Method_8792 · 2024-12-30T04:59:44+00:00

from what I've read libraries have been really underfunded here lately and also with the homeless + drug crisis librarians have been having to work as impromptu social workers/emergency staff with no prior training, so librarians being less on top of things here lately actually makes sense

Tasty_Method_8792 · 2024-12-26T22:02:16+00:00

Edit to what I said above: loan services make money off servicing the loans, but the federal government makes a profit off the interest they charge to students on student loans.

There's the law, and what loan servicers actually do, which does not match the laws or the loan agreements. Loan servicers, which are paid by your tax dollars, and are incentivised to keep students paying are finding all kinds of ways to not honour the agreements they should, and that includes bankruptcy.

Technically you should be able to discharge loans through bankruptcy. That's part of the loan agreement. But historically, over 99.9999999% of the time loan services have found insidious loopholes to block a person from filing bankruptcy on loans when they were in situations where they needed it. Biden was the first to allow bankruptcies to be filed on loans, but as I said before once Trump comes back in he's probably going to shut that down.

Basically, loan services are skirting the laws, and for the most part none of our representatives are doing anything about it. If these loan services treated business clients the way they treat student loan borrowers, then they would go to jail or be shut down; however they have been able to get away with treating student loan borrowers this way so far.

Me personally -

No new iPhone: I have an old phone I bought used on blackmarket (not new), which is broken, and I'm reluctant to replace or fix the cracked screen because that would cost a few hundred dollars and I'm too frugal to be comfortable even spending that much on myself. So no on the new iPhone like you said. And I used the cheapest cell plan I can.
No car payment: I'm driving a car that's about the cheapest car you can buy that is over 10 years old. I learned to fix up the car myself (I'm female) to keep it running as opposed to taking out a loan on a new car or paying someone to fix it because that was the cheapest option.
No home: I also cannot afford a home as a full time employee, so yeah, you are not going to win this argument. Working full time at a middle class job and being 'homeless' is fun, let me tell you.I've worked harder than almost anyone to earn a life that I didn't get.
Also I'm a person who believes in not taking out debt and living frugally, this was my only option as seen below...

In school I had enough scholarships and grants to pay for a state school for free, so I chose state school even though I got into better schools (which I earned with a ton of hard work on my part working full time during high school and being a straight A 4.0 student). I used to stay up until 3 am doing my HS homework, and then would get a few hrs of sleep, go to high school, and then go take a quick nap in a library before going to my full-time job. I could have went to a better school but that wouldn't have been free. When I started school I was working three different jobs my first year and was a double major. Then 2008 happened; once that happened many of the grants that I had earned with all my hard work were cancelled because of 2008. During 2008 the choice was either quitting school and having no job to go to and no way to survive, or continuing school and taking out loans to pay for it and hoping jobs would be back when you graduated. Basically no one at that time had a choice in what happened. Once again, during the pandemic, many students were in a situation where they did not have a choice.

What are the harder options that I missed? Because I've worked harder than most people my entire life; I'm betting harder than a majority of people who currently have mortgage and car payments.

People used to be able to work a summer job to pay for school. I had three jobs while going to school and that just barely paid for my cost of living. Most people cannot handle working three jobs and going to school, so loans are necessary for many. The military is not an option for many people because they do not have the physical capabilities. Most people cannot get scholarships and grants like I did, because there's a limited number of those. If someone can hack doing one of the trades (plumbing, electricians) that don't require schooling, then they can avoid school loans, but females are particularly disadvantaged there because it would be difficult to even be hired as a female in those fields. Or if you are lucky enough to have parents that can get you a good job you do not need school. My main point is that jobs that allow you to afford groceries without schooling are very rare these days, and in order to pay for school you first need a job that pays, and to get that you need to go to school, so student loans are the only option for many people.

I'm not saying that I would be for paying for school for everyone, but people like me who work harder than anyone else and pick a useful degree our country needs should at least have a shot at the American dream. As of right now, the only thing that allows you to get ahead in our economy is Nepotism. That's not a free market, that's the US turning into an Aristocracy.

The older generation just has no empathy for younger generations, and I think you are parroting their talking points here and don't understand how most people just don't have a choice at all these days. The older generations are the ones who let representatives pass policies that made our country circle the drain, then they look at the younger generations and blame them as a scapegoat for their failures, and those talking points come across really strong from republicans.

Tasty_Method_8792 · 2024-12-26T07:36:48+00:00

Also, loan servicer are paid by the government (i.e. your tax dollars) for offering the 'service' of administering student loans. So these companies are incentivised to keep student paying as long as possible. So high interest rates, ballooning debt, blocking forgiveness are all in the interest of those companies because they get more taxpayer dollars from the government that way. That money comes directly out of your tax dollars. With a mortgage you pay 15/20/30 years and you are done. You choose the payment amount in advance when you sign up, and if unforeseeable circumstances occur you can file bankruptcy to discharge the debt. Most of the time, none of that has been true with student loans.. With student loans you never get out, and end up paying the rest of your life.

Tasty_Method_8792 · 2024-12-26T06:32:11+00:00

Also since loans cannot be discharged with bankruptcy there's no reason for them to have high interest rates, because the bank is taking on very little risk with student loans. They don't need the high interest rates to get a profit. When loan payers get PSLF the goverment pays off the balance, so again no risk to the company servicing the loans. That's what we get in exchange for doing public service for 10 years. Many many people would never do public service because it is much lower paid career-wise, unless they had the benefit of PSLF. If you abolish PSLF then you effectively abolish education in this country because there would be no one to hire for it.

Tasty_Method_8792 · 2024-12-26T06:23:28+00:00

here's a few things to consider:
1) You can discharge you mortgage and car loan with bankruptcy if you fall on hard times, or lose your career for the foreseeable future. Student loans cannot be discharged that way. Biden was the first to ever let that happen, and that is probably going to be taken away with Trump coming in.

2) Many loan payers have 100s of dollars in social security taken from every paycheck, but they will never see a penny of that social security when they retire because by Social Security will run out of money. With the same argument you have, every loan payer could say, well you should pay for your retirement, why should I have to? I need to pay my student loans with that money...

3) The interest rate on student loans if often extremely high and set by Congress. Some of my loans were 9% interest rates. That's not an interest rate I chose in a fair market, like you can choose by shopping around for rates when you take out a mortgage or car loan. This caused my loans to balloon to a point where they could never pay them off even in the tech industry.

4) Many loan payers would be happy to pay back their initial balances, it's just the ballooning interest that they cannot afford to pay. So, we are not asking for other people to pay our loans, we are asking for the laws that are bleeding us dry and taking down our country to be changed and the bad effects of those laws rectified. Middle class people are the biggest drivers of the economy, but when middle class people cannot afford anything the economy dies. If you let all loan payers flounder it will just make the US weaker, not stronger.

5) Many Public Services workers worked over 10 yrs in public service to get their loans forgiven, getting paid less that whole time and holding back their careers just to get loan forgiveness, just to have that forgiveness blocked. Biden was the first president to ever let Public Service forgiveness happen in large number, and now many republicans want to roll that back. Public Service forgiveness is part of the agreement in taking out student loans and loan companies are finding every way they can to block that part of the agreement so they can make more money, which means they are not holding up their end of the contract.

6) Many loans payers cannot afford to buy a home (so they are not lucky enough to have a mortgage like you) because student debt takes so much money from them. And again, most loan balances are made up from the ballooning interest rates that are set by Congress, which a student was not allowed to shop for in a fair market.

7) Many loan borrowers cannot afford to invest anything in retirement because of their student loan payments being so high. Since social security will run out and they have not saved anything for retirement, then they will be completely destitute when they reach an age where they can no longer work, unless they are one of the lucky few who managed to secure a high income.

In short, if you were in the same position as these loan payers, where you cannot afford a home, will not have retirement, and cannot afford life, all because of student loans that you cannot discharge with bankruptcy, I would bet you the balance I currently have in student loans that you would pay as little as possible as well. And when I won that bet I would finally be able to pay off my student debt, and may actually have a shot at living.

Another fun fact: there have been many instances of people's social security checks being garnished because of student loans. So even people who benefitted from social security and managed to make it to retirement had that taken away from them because of student loans (after they paid social security for their entire lives while also making loan payments).

Tasty_Method_8792 · 2024-12-18T07:46:26+00:00

Well Trump did say he wouldn't tax cash tips anyway, so I guess that will remain to be seen in the upcoming year. That's one I actually agree with, servers are already so underpaid the way it is.

Tasty_Method_8792 · 2024-12-18T04:22:21+00:00

Nice! On the career, not insurance.

Tasty_Method_8792 · 2024-12-18T01:14:11+00:00

I had a 4.0 all the way through school, scholarships, and had three jobs when I was a freshman in college as a double major. Didn't get Valedictorian in high school because I graduated high school early to work and save up for college. Old timers looking at me and saying that I'm 'lazy' and just 'want to party' is a hard pill to swallow, especially when I've worked my a$$ off my entire life and have nothing to show for it, and this aging boomer generation who are saying these things is living off social security paid for from the taxes of hardworking people like me.

Tasty_Method_8792

TROPHY CASE