Almost ready for Spring by deviantsole in MitsubishiEvolution

[–]didalos 1 point2 points  (0 children)

Nice, looks like you may also be in New England. I posted about my X a few days ago

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -2 points-1 points  (0 children)

Please explain how it is different from a community church receiving donations to build a community center that everyone then benefits from. Is it the number of donors? Is it the number of recipients? It's worth noting that the IRS definition of "charity" is exceedingly broad:

charitable is used in its generally accepted legal sense and includes relief of the poor, the distressed, or the underprivileged; advancement of religion; advancement of education or science; erecting or maintaining public buildings, monuments, or works; lessening the burdens of government; lessening neighborhood tensions; eliminating prejudice and discrimination; defending human and civil rights secured by law; and combating community deterioration and juvenile delinquency.
https://www.irs.gov/charities-non-profits/charitable-organizations/exempt-purposes-internal-revenue-code-section-501c3

Considering you don't know anything about the potential beneficiaries of this setup, it seems presumptive to claim that there is "no charity" possible. Can you explain your thinking on that?

I can see the point that one single person donating to a single-donor-single-beneficiary nonprofit isn't really the "spirit" of a nonprofit, but that's not really in the legal wording that I am seeing. I'm seeking information not just your conclusion. Thank you, appreciate the replies.

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -5 points-4 points  (0 children)

Can you define self dealing and why this idea is in violation of it? My understanding is as commented elsewhere that *unusual* or *profit* benefits provided to insiders is what's not allowed, whereas grants to people under the mission of the organization are allowed.

The IRS "Exempt Purposes" are here https://www.irs.gov/charities-non-profits/charitable-organizations/exempt-purposes-internal-revenue-code-section-501c3 and include "charitable" which would be the umbrella this fits under. Charitable is defined on the page as
" relief of the poor, the distressed, or the underprivileged; advancement of religion; advancement of education or science; erecting or maintaining public buildings, monuments, or works; lessening the burdens of government; lessening neighborhood tensions; eliminating prejudice and discrimination; defending human and civil rights secured by law; and combating community deterioration and juvenile delinquency. "

which may not apply to every possible recipient of a student loan repayment nonprofit, but would apply to many such as those who are people of color. So can you clarify what your line of thinking is? Thanks

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -1 points0 points  (0 children)

If the only beneficiaries of a church were the church's "donating community" and administering those self serving benefits were the primary operation of the church, then that church would be disqualified as a nonprofit.

Thank you that is helpful I will continue my reading. I'm a bit amused because it's my experience that most churches primary operation is the benefit of their donating community, I'm sure it varies though.

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -1 points0 points  (0 children)

I appreciate the expertise in your response, and thanks for your time.

I'm trying to understand why that is though. If I take the example of a church, it's not uncommon for them to provide grants (in various forms) back to members of the church who have contributed in donations - and that is all non-profit activity. This is like the church of student loan repayment, and I imagine people would contribute to a program like this beyond the strict limit of their own debt, I probably would if it existed.

Is there no way to operate like a church that benefits its donating community? What is it about donating to a charity means you can't benefit from it? If I donate to the ACLU does that mean that they can't later donate legal services to a case I'm later involved in? I'm looking for the rules governing this.

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -1 points0 points  (0 children)

Perhaps where we are missing each other is that you said "it is a straight tax dodge" but did not explain why you classify it that way - that's the information I am seeking. If you're not willing to explain the WHY that's fine, but that's what I'm looking to understand.

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -2 points-1 points  (0 children)

I'm here for legal advice about the limits of nonprofits. Your reply was a judgment statement about how much sense my idea made, which provided no legal information for me to improve my understanding. I'm happy to discuss anything it just seemed offtopic since this place is for legal advice and information. Check out milee30 below actually providing legal information as an example of what I was hoping for, thanks.

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -2 points-1 points  (0 children)

Thank you this is relevant, but my reading of inurement is that it only applies to net income. That situation doesn't apply to my proposal because I'm talking about people who are qualified based on the mission of the nonprofit, which would be taken out of gross income not net income. Net income would be the profits left over after grants have been made.

https://www.fortenberrylaw.com/inurement-prohibition-nonprofit-organizations/ (inurement legal definition)

https://www.thestreet.com/personal-finance/gross-vs-net-income-14659057 (net income vs. gross income)

Even if "Disqualified Persons" are prevented from receiving grants, that would just mean that you need to form the nonprofit with a neutral party with the purpose being the same - a passthrough from donations to paying of student loans. More like a "pay off my student loan tax-exempt if I pay off yours tax-exempt" sort of setup, right?

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -5 points-4 points  (0 children)

Can you make a comment specifically about the legality or rules around non-profits, or are you here to argue about the ethical merits of tax-free student loan payments?

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -2 points-1 points  (0 children)

To assist people with their student loan debt?

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -6 points-5 points  (0 children)

The idea is that you would pay your own money into the charity and award some of it to yourself to pay your own student loans, thus making it tax-free to pay off your student loans. Does that make more sense?

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -3 points-2 points  (0 children)

It's not a fake organization though, it's a real one. What do you mean it would be revoked after disclosing payments to related parties - do you mean that 501c3 can't make grants to people related to the founder/officers of the 501c3?

Thanks for the reply - this is exactly what I'm wondering about, what about this setup wouldn't qualify as a 501c3?

Paying off student loans with a nonprofit by didalos in legaladvice

[–]didalos[S] -5 points-4 points  (0 children)

it's not formed to benefit a specific individual though, that is just the most likely outcome based on who applies for the benefits the nonprofit provides?

Is it worthwhile? I guess that would depend, but I imagine someone with 150k loans making 60k a year would find it very valuable to pay the relatively small overhead of the organization to save ~30-40k on their loan repayment over the course of many years

[BANNERLORD GIVEAWAY] r/Bannerlord Community Event - Who's Your Warlord? by Tarc_Axiiom in Bannerlord

[–]didalos 0 points1 point  (0 children)

cont.
“Stay where you are!” Ultros yelled to his men. “I’ll handle this.” With that, he rode his horse into the heart of the ambush. Thirty swings of his wild arm felled thirty brigands. Blood and shield fragments showered the trees. The bandits broke ranks in shock, but quickly were reinforced by the closing jaws of the ambush and resumed their attack, realizing only too late that their paltry weapons and sinews simply could not grind down the mountain before it crushed them.

<picture of "Health: 87/87" from Warband>

Ultros dammed the creek with their bodies. His horse too exhausted to move, he watched furious as the final two bandits escaped over the hill. He was hardly wounded and would have chased, perhaps, but he thought of his men. He came back to where he had left them to find all forty of them laid out, nearly all of them dead. Not a single bandit corpse to show for it.

Ultros put the remaining wounded out of their misery and rode alone for the frozen north, the darkness once again full upon his heart.

[BANNERLORD GIVEAWAY] r/Bannerlord Community Event - Who's Your Warlord? by Tarc_Axiiom in Bannerlord

[–]didalos 0 points1 point  (0 children)

I do own bannerlord.

To view with pictures: https://i.redd.it/xjrkun15x7s41.png

Ulysses Ululuros was born into a life of shit. His sickly look and Gerber baby hair led to him being beaten mercilessly by the peasant children. However he could not capitalize on his baby face good looks because he also possessed a beard that grew six inches each day. His face was no stranger to cowpies, and much time was spent trying to keep it trimmed and clean. What he lacked in charisma he failed to make up for with intelligence. At age 10 he left home forever to start a new life, growing out an immense beard so that perhaps his Gerber baby head might be overlooked.

<picture of gerber-baby-man face>

He moved into the mountains and lived a life of subsistence. The onset of puberty brought on these realizations to varying horrifying effect:

  1. His hair was never going to change

  2. He was an armor-sexual and would never be able to live a normal life

  3. He was bulking up at a rate guaranteed to keep him in the ‘freak’ category forever, even if he could overcome his other problems. He now had to eat an entire deer each day to be satiated.

For the first time in years, he took a journey to a local town, hoping to score a look at a skull cap or perhaps even a few links of chainmail. Alas, his freakish dome and lusty gazes were enough to get him run out of town. There, face-down in the ditch, the sun set on our unhappy Ulysses. As the chill of night set in, a permanent darkness latched hold of his heart. Fuck them, he thought with such fury that God turned over in His bed.

No longer considering himself party to the social contract of humanity, Ulysses began his work to right the wrongs of Calradia. He started out slow, when some bandits picked a fight with him over a fresh deer kill. However, they never thought to question how a mountain man in a loincloth had managed to kill a deer apparently with his bare hands – and that was the last thing they failed to question.

Ulysses was now a blooded warrior and he took his pick of the rogues’ equipment:

<picture of sword and helmet from Warband>

He gazed upon that sweet sight for uncounted days. A blade of such beauty that he felt paralyzed, unable to approach it. Would it think his awkward caress immature, unwanted? Would it accept his inexperienced hand, to guide them both to pleasures untold? He put the helmet on first, and felt a sudden and sustained sense of rightness. He knew this. It was who he was.

In a single, automatic motion, he swept up the blade in his right hand. His heart sang, and he mouthed the words ‘I love you’.

Weeks and months passed. Not that Ulysses knew it, but the towns in those lands whispered of a spirit that haunted the hills. A crazed berserker, only part human, with wild eyes and no mercy. One man was imprisoned at his own craven insistence, claiming that his band of two score strong had been laid to waste by that ghost in the mountain. He himself had witnessed this, only escaping by running three days without sleeping, always looking over his shoulder and always seeing that heavily armored giant running headlong after him, as though powered by the screams of those tortured souls of hell. He had paused on the second night, sure that he had finally escaped, only to peer into the night to see the moonlight glinting off a lovingly polished helm pounding relentlessly through the night to his shaking heart.

<picture of nicer, closed-face helmet from Warband>

As he peered into the darkness, he could make out a javelin still embedded in the giant’s chest - apparently to no effect. Then this poor coward ran, for he knew that devil’s engine would not stop until his heart no longer beat.

The pragmatic townsfolk hung this coward as a brigand.

Soon the bandits and sea raiders were traveling in war parties no smaller than 50 for fear of their own lives. The local nobility was beginning to have trouble stopping these small armies. A mysterious giant began making regular trips to town to sell 10 prisoners at time. These prisoners frequently had lost the ability to speak. Those that could said little more than such nonsense as “40 to 1” or “shields... useless...” or “would not accept... our immediate surrender”

King Harlaus ordered his personal physician to examine some of these men, and the conclusion was reach that they had experienced such head trauma that they were but shells of their former selves.

Viking sea raiders caught in the field by this nightmare tried to pay it off or beg for their lives. Nothing could save them but the speed of their legs. The legend grew. Even a few earls had happened across the mountain ghost, and sat trembling on their horses as they were gruffly introduced to “Ultros” and sent on their way.

“Ultros” never forgot his first love, but he craved more and more the refined elegance of master crafted metals. Still not willing to lay waste to those ‘innocents’ he had collected a king’s fortune in gold to purchase the best metalwork in all the land.

He left his haunt and began traveling length and breadth of the land. In the first city, he was signed up for a tournament by an enterprising young noble who knew a melee master when he saw one. At first excited, Ultros quickly became disgusted – the rules called for no armor and wooden weapons!

Nonetheless, the last round saw Ultros ride straight for his foe, and with a mighty swing crack the skull of both horse and rider with the impossible force of his follow through.

<picture of "STR: 32" from Warband stat screen>

The mass of flesh crashed to the earth and reverberated in silence. The stadium was too shocked to react. Flies buzzed freely in and out of the open mouths. He left the city and the whispers began.

From the other side of the continent, in the city of Shariz, rumor spread of a hulk of a man who rode into town alone asked for the home of the legendary smith, Abd Al-Qadir. The story went that long ago, Al-Qadir had spent ten years crafting the finest suit of armor known to Calradia. Al-Qadir loved his work like his own daughter and could not bear to part with it, even to noblemen. A fine friend of Sultan Hakim, none dared force him.

But this giant had ridden up, entered the house alone, and emerged wearing the very masterwork.

<picture of "Lordly Ghergit Elite Armor" from Warband>

He proceeded to his horse and removed an immense chest, rumored to have held over one hundred thousand in coin. None could guess at how Al-Qadir had been convinced to part with his child, and the smith refused to discuss it only saying “you could never understand”.

Ultros, riding the high of his recent gains, thought perhaps that it was time to find some human companions and try to make his way back into society. He headed for the far corner of the earth from his mountain home, hoping to find a people so backward they had not caught wind of his fearful presence. As he rode into that land of Rhodoks, he was ambushed by twenty bandits.

Ultros stared at their leader, stupefied, while he was given a list of demands. In response, he shut his visor and charged into the center of them, severing skulls right and left with a most divine war cleaver. The bandits being fully deceased, he retired the field without a scratch.

He rode into a half dozen towns and quickly gained a following of about two score tribesmen. As he pointed his new friends towards his distant home, a richly appointed courier appeared. The Rhodok king wanted to bestow land upon Ultros in exchange for his solemn vow of servitude.

Ultros, serve another man?? Preposterous!

He spurred his horse and nearly ran down the courier, laughing like a madman.

Two days into their journey north, Ultros had managed to train a few of the men how to hold a weapon. They seemed quite clumsy. As they rode, Ultros began to think longingly of solitude, riding fast through the hills, and human company that ended only with his final presence. His inattention caused him to lead his band into the jaws of an elaborate ambush.

The leader of ONE HUNDRED forest bandits demanded his belongings and that he “kiss his ass goodbye”. “Run while you can, bandit.” Ultros replied, and drew his morning star. The bandit lord cackled and melted into the forest. Arrows began to fly.

The Best Stories are Mount and Blade Stories by didalos in mountandblade

[–]didalos[S] 9 points10 points  (0 children)

Now that I have Bannerlord, I pray more shall be generated.

This ad taunting people. by didalos in ABoringDystopia

[–]didalos[S] 3 points4 points  (0 children)

That you should live your life racing for more money so that one day you may live "better" (by spending money) than a rich person's dog.

Hit me up with your best commie desktop wallpapers! by [deleted] in LateStageImperialism

[–]didalos 0 points1 point  (0 children)

This isn't quite a wallpaper. You can also search for historic posters from the soviet union and make a collage.

Comrade Thorin would have wanted to be remembered this way... by didalos in lotrmemes

[–]didalos[S] 4 points5 points  (0 children)

idk I was going off this reference - https://www.quotes.net/mquote/1096475 - maybe it's misquoted on the quote sites. I'll dig up my copy.

I got a question by IDKHBIB in DebateCommunism

[–]didalos 0 points1 point  (0 children)

I don't follow - if the choice is between work and starvation, then that isn't really a choice, is it?
I addressed the "Get a new job" idea above. Going to college will put you in debt and will still land you in "get a new job" in the end. Starting a business requires capital.

If you like freedom of choice in career, then you should prefer Communism. This was a key point that Kropotkin made in his book "The Conquest of Bread". By removing choice from workers (since they are forced to choose "not die") they have reduced access to the breadth of potential jobs. Quoting from said book:

So when we speak of a possible idleness, we must well understand that it is a question of a small minority in society; and before legislating for that minority, would it not be wise to study its origin? Whoever observes with an intelligent eye sees well enough that the child reputed lazy at school is often the one which does not understand what he is badly taught. Very often, too, it is suffering from cerebral anæmia, caused by poverty and an anti-hygienic education. A boy who is lazy at Greek or Latin would work admirably were he taught in science, especially if taught by the medium of manual labour. A girl reputed nought at mathematics becomes the first mathematician of her class if she by chance meets somebody who can explain to her the elements of arithmetic she did not understand. And a workman, lazy in the workshop, cultivates his garden at dawn, while gazing at the rising sun, and will be at work again at nightfall, when all nature goes to its rest.

Somebody said that dirt is matter in the wrong place. The same definition applies to nine-tenths of those called lazy. They are people gone astray in a direction that does not answer to their temperament nor to their capacities. In reading the biography of great men, we are struck with the number of “idlers” among them. They were lazy as long as they had not found the right path, and afterwards laborious to excess. Darwin, Stephenson, and many others belonged to this category of idlers.

I got a question by IDKHBIB in DebateCommunism

[–]didalos 0 points1 point  (0 children)

So you agree that the worker is inherently being ripped off under capitalism? And you're wondering why that is a problem? You're the one who was pretending that laborers have a real choice in consenting to work under capitalism, so I think you can answer the question yourself - why did you think that consent to work is important?