| Vancouver Off-Topic / Current Events The off-topic forum for Vancouver, funnies, non-auto centered discussions, WORK SAFE. While the rules are more relaxed here, there are still rules. Please refer to sticky thread in this forum. |
 | | 
10-07-2010, 07:16 AM
|
#26 | | My homepage has been set to RS
Join Date: Jan 2006 Location: vancouver
Posts: 2,444
Thanked 958 Times in 295 Posts
Failed 287 Times in 95 Posts
|
he's juszt.....super troll
| 
|  | |
10-07-2010, 08:04 AM
|
#27 | | Banned (ABWS)
Join Date: Feb 2009 Location: Kits/Richmond
Posts: 4,409
Thanked 1,105 Times in 540 Posts
Failed 555 Times in 222 Posts
|
On a serious note:
You could take the $100K and run, literally. Hide it, declare bankruptcy, then take off to another country for 7 years. In the other country you will have no credit history, yet that is better than bankruptcy here. Pick a country without an agreement with Canada and creditors won't be able to follow you.
I do not recommend this. I think you're scum of the earth if you do it. Yet you can legally do this, which is a shame.
| |
| | |
10-07-2010, 09:04 AM
|
#28 | | Revscene.net has a homepage?!
Join Date: Aug 2007 Location: RICHMOND
Posts: 1,299
Thanked 200 Times in 76 Posts
Failed 56 Times in 20 Posts
|
Take it from someone who works at a bank, don't fuck ur credit !!!! Wen it goes into collections they will seize ur car and/or house for sure! Posted via RS Mobile | |
| | |
10-07-2010, 09:38 AM
|
#29 | | Banned By Establishment
Join Date: Sep 2006 Location: vancouver
Posts: 233
Thanked 5 Times in 4 Posts
Failed 229 Times in 16 Posts
| Quote:
Originally Posted by MDMA  Take it from someone who works at a bank, don't fuck ur credit !!!! Wen it goes into collections they will seize ur car and/or house for sure! Posted via RS Mobile | i dont have a car/house under my name.  | |
| | |
10-07-2010, 09:46 AM
|
#30 | | Willing to sell a family member for a few minutes on RS
Join Date: Feb 2005 Location: Surrey
Posts: 12,760
Thanked 689 Times in 376 Posts
Failed 61 Times in 38 Posts
| Quote:
Originally Posted by mr85 i dont have a car/house under my name. | this guy is obviously trolling
| |
| | |
10-07-2010, 10:29 AM
|
#31 | | I contribute to threads in the offtopic forum
Join Date: Feb 2008 Location: North Van
Posts: 2,849
Thanked 7,109 Times in 1,264 Posts
Failed 291 Times in 102 Posts
| Quote:
Originally Posted by spyker Fuckheads like this guy,that pull scams like this,is one of the reasons why CC companies charge such high interest rates,unfortunately the honest people pay for it. | Are you fucking retarded? Pretty sure this isnt why they charge outrageous interest rates, and if you dont like it, dont buy shit you dont have the money for.
CC companys charge whatever YOU as the customer let them charge, if everyone would just stop living their lives beyond their means, then credit card companys would have to try a lot harder.
They have high interest rates to make money, not to cover loses... maybe you should check into visa's/mastercard's profits, see what the IPO for VISA was like ad what it did... these companys make piles of money from retards who live their lives making minimum payments.
Last edited by jasonturbo; 10-07-2010 at 10:34 AM.
| |
| | |
10-07-2010, 10:59 AM
|
#32 | | 14 dolla balla aint got nothing on me!
Join Date: Mar 2002 Location: Van
Posts: 638
Thanked 24 Times in 14 Posts
Failed 6 Times in 5 Posts
|
First of all, the debt doesnt go away.
Interest might stop, but they will figure a way to garnish your pay checks for the rest of your life. After 7 years your not okay, that is on your record. You'll be considered high risk.
| |
| | |
10-07-2010, 11:18 AM
|
#33 | | Rs has made me the man i am today!
Join Date: Feb 2002 Location: W.R.
Posts: 3,385
Thanked 2,101 Times in 351 Posts
Failed 29 Times in 18 Posts
|
Your thread title should have been "Help me find a job".
Kev
| |
| | |
10-07-2010, 11:27 AM
|
#34 | | I contribute to threads in the offtopic forum
Join Date: Feb 2008 Location: North Van
Posts: 2,849
Thanked 7,109 Times in 1,264 Posts
Failed 291 Times in 102 Posts
| Quote:
Originally Posted by C5_Ryder First of all, the debt doesnt go away.
Interest might stop, but they will figure a way to garnish your pay checks for the rest of your life. After 7 years your not okay, that is on your record. You'll be considered high risk. | If he files for bankruptcy he is protected from unsercured creditors like his CC company.
They cannot even contact him during his bankruptcy, and after the bankruptcy is discharged, he will be free and clear.. the debt goes away.
Yes he will have a bankruptcy on record for 7 years from the date of discharge, which is 9 months after he files for bankruptcy, as long as its his firts one.
Neg. feedback only stays on credit report for 7 years, with the exception of multiple bankruptcys.
| |
| | |
10-07-2010, 11:32 AM
|
#35 | | To me, there is the Internet and there is RS
Join Date: Apr 2004 Location: Nanaimo
Posts: 17,085
Thanked 8,131 Times in 3,815 Posts
Failed 1,514 Times in 651 Posts
| Quote:
Originally Posted by aznlangjai DUDE! If you can cash advance the 10k from each of your credit card. File bankruptcy afterwards and then open up a business. With a business, you can easily rebuild your credit with a secured credit card. But I can't think of any business you can start with 100k. | You know they will check your bank accounts for money when you file for bankruptcy.
And there's tons of business you can start for under a 100K.
__________________
Until the lions have their own historians, the history of the hunt will always glorify the hunter. | |
| | |
10-07-2010, 11:34 AM
|
#36 | | Banned (BBM)
Join Date: Jul 2004 Location: Vancouver
Posts: 16,142
Thanked 627 Times in 368 Posts
Failed 1,106 Times in 390 Posts
|
^
sounds like a loop hole, or just too good to be true.
A lot of ppl can live without a loan for 7 years, its not that hard
| |
| | |
10-07-2010, 11:52 AM
|
#37 | | Willing to sell body for a few minutes on RS
Join Date: Jul 2001 Location: Cloverdale
Posts: 11,612
Thanked 3,852 Times in 1,366 Posts
Failed 83 Times in 42 Posts
|
It's the whole point of bankruptcy. Why would someone go bankrupt if creditors could still go after them.?
__________________
The world ain't all sunshine and rainbows. It's a very mean and nasty place... and I donīt care how tough you are, it will beat you to your knees and keep you there permanently, if you let it. You, me or nobody, is gonna hit as hard as life. But ain't about how hard you hit... It's about how hard you can get hit, and keep moving forward... how much you can take, and keep moving forward. Thatīs how winning is done. Now, if you know what you worth, go out and get what you worth. - Rocky Balboa | |
| | |
10-07-2010, 11:54 AM
|
#38 | | NOOB, Not Quite a Regular!
Join Date: Jan 2009 Location: vancouver
Posts: 38
Thanked 0 Times in 0 Posts
Failed 19 Times in 7 Posts
|
get the 100k. send it back to china or whatever country you have family in. then file bankruptcy and flee the country
100k CAD in china is enough $ to live off of happily ever after.
| |
| | |
10-07-2010, 11:57 AM
|
#39 | | Rs has made me the man i am today!
Join Date: May 2001 Location: Richmond BC
Posts: 3,192
Thanked 152 Times in 44 Posts
Failed 4 Times in 4 Posts
| | |
| | |
10-07-2010, 11:58 AM
|
#40 | | I *heart* Revscene.net very Muchie
Join Date: Jul 2007 Location: BC
Posts: 3,558
Thanked 3,814 Times in 957 Posts
Failed 715 Times in 210 Posts
| Quote:
Originally Posted by spyker Fuckheads like this guy,that pull scams like this,is one of the reasons why CC companies charge such high interest rates,unfortunately the honest people pay for it. | Are you serious? Credit card charges high interest because of dumbass people who can't control their spending. You'd be a fool to pay any interests on things you buy with credit card. We should be thanking those dumb fools who pay such high interests because that's why CC companies can offer great rewards like 1% cash back.
| |
| | |
10-07-2010, 11:59 AM
|
#41 | | I *heart* Revscene.net very Muchie
Join Date: Jul 2007 Location: BC
Posts: 3,558
Thanked 3,814 Times in 957 Posts
Failed 715 Times in 210 Posts
| Quote:
Originally Posted by WingHang get the 100k. send it back to china or whatever country you have family in. then file bankruptcy and flee the country
100k CAD in china is enough $ to live off of happily ever after. | In a crappy city yea. Nowadays major city expenses aren't that cheap.
| |
| | |
10-07-2010, 04:27 PM
|
#42 | | Banned By Establishment
Join Date: Jun 2006 Location: Shaugnessy
Posts: 2,610
Thanked 481 Times in 168 Posts
Failed 730 Times in 91 Posts
| Quote:
Originally Posted by Arash "just manage the medium of exchange"... watch the documentary "money as debt" and the other videos its makers have made and you would change your mind.
I dont know what you mean as people funding the war too, the owners of the central banks are people/families who decide this stuff I guess, but stealing from the man is justified by all means. | does that video tie into the illuminati and other conspiracies as well? if so, i don't have time for that. even if the illuminati existed, as long as i have my 9-5, fair salary, poon, weekends, and beer, then im good. couldn't ask for more than that, except maybe a lambo and a ducati.
war is caused by political agendas, supply + demand, nationalism, human nature, scarce resources, religion, etc. financial institutions dont cause wars, they're a part of the supply chain of resources between war and its motivators. plus, stealing from the supply chain doesn't sabotage wars in any way, they'll just increase rates in order to compensate for losses.
| |
| | |
10-07-2010, 04:27 PM
|
#43 | | Diagonally parked in a parallel universe
Join Date: Aug 2005 Location: Vancouver
Posts: 1,411
Thanked 217 Times in 71 Posts
Failed 98 Times in 39 Posts
|
please do it, and report back to us. thats if the repo ppl dont come and take away everything u own
| |
| | |
10-07-2010, 04:30 PM
|
#44 | | I don't get it
Join Date: Jul 2010 Location: vancouver
Posts: 422
Thanked 259 Times in 88 Posts
Failed 282 Times in 74 Posts
|
If OP can't write a proper sentence, how can he manage a credit card?
| |
| | |
10-07-2010, 04:31 PM
|
#45 | | I contribute to threads in the offtopic forum
Join Date: Feb 2008 Location: North Van
Posts: 2,849
Thanked 7,109 Times in 1,264 Posts
Failed 291 Times in 102 Posts
|
Jesus...
First of all, yes I love my cash back rewards card, even if it is only 1%, it`s better than nothing.
CC companys make sooo much money, the companys allow customers to pay with CC`s pay the cc companys a % for every transaction, so imagine every time you use your visa to pay for anything... anywhere from 1-4% of the purchase value could be going to the cc company...
Then there`s the people that carry a balance month to month, most of them probably in the 10-20% interest territory... then there was the big credit card bill pushed through this year to keep credit card companys from pulling this little stunt..
Imagine your cc company, on purchases you pay 12% interest, but on cash advances (Pulling cash off your visa) you are paying a much higher rate, as high as 28%... well the credit card company could process your payment as the preferred, so what they would do is put the payment towards the purchases as a priority, and the cash advances second, so the consumer pays as much interest as possible, now the are legally obligated to split payments 50/50 between purchases and advances..
So please people, by no means are the CC companys falling on hard times lol.
Credit is IMO there to be abused just as much as it is to be used in a responsible manner, cc companys give these things to people they shouldnt in hopes they will max it out, and make min monthly payments the rest of their lives. It's called risk management and the CC companys know exactly what they are doing. When they issue a cc card to someone that really should have one, they took a risk... if they dont want to get burnt they need to tighten up lending standards.
I hate credit, and I hate realtors and mortgage brokers even more, the fact that all mortages are insured in canada through cmhc is retared, this is why real estate has gone up so high, cause banks lend to anyone (people that actually cant afford retarded housing prices) since they have no risk becuase if you default on a mortgage in canada, cmhc protects the banks from any financial loss... so why would the bank care about who they give mortagaes too, they have no risk. Makes no fucking sense at all... people are so gung ho that housing has gone up, but I doubt there is a single person who wouldnt prefer they got their house for 40% of what they paid for it lol. But real estate is pushed in a way that if you dont buy now you will be "priced out" cause god forbid it is IMPOSSIBLE for real estate to depreciate... especially in the lower mainland... blah blah blah...
There is my financial rant. Dont buy shit you cant afford, real estate has more than doubled in value in the last decade... has the average household income doubled? No it has barely changed, but consumers are emotional retards and like living like broke bitchets with no money, house rich and cash poor and one swing in the wrong direction they get caught with house, which they have no equity in, and are unable to escape their mortgage.
Grumble grumble grumble. Companys are getting way to rich, middle class is getting wayyy too poor.
| |
| | |
10-07-2010, 04:38 PM
|
#46 | | I don't get it
Join Date: Jul 2010 Location: vancouver
Posts: 422
Thanked 259 Times in 88 Posts
Failed 282 Times in 74 Posts
| Quote:
Originally Posted by jasonturbo Jesus...
First of all, yes I love my cash back rewards card, even if it is only 1%, it`s better than nothing.
CC companys make sooo much money, the companys allow customers to pay with CC`s pay the cc companys a % for every transaction, so imagine every time you use your visa to pay for anything... anywhere from 1-4% of the purchase value could be going to the cc company...
Then there`s the people that carry a balance month to month, most of them probably in the 10-20% interest territory... then there was the big credit card bill pushed through this year to keep credit card companys from pulling this little stunt..
Imagine your cc company, on purchases you pay 12% interest, but on cash advances (Pulling cash off your visa) you are paying a much higher rate, as high as 28%... well the credit card company could process your payment as the preferred, so what they would do is put the payment towards the purchases as a priority, and the cash advances second, so the consumer pays as much interest as possible, now the are legally obligated to split payments 50/50 between purchases and advances..
So please people, by no means are the CC companys falling on hard times lol.
Credit is IMO there to be abused just as much as it is to be used in a responsible manner, cc companys give these things to people they shouldnt in hopes they will max it out, and make min monthly payments the rest of their lives. It's called risk management and the CC companys know exactly what they are doing. When they issue a cc card to someone that really should have one, they took a risk... if they dont want to get burnt they need to tighten up lending standards.
I hate credit, and I hate realtors and mortgage brokers even more, the fact that all mortages are insured in canada through cmhc is retared, this is why real estate has gone up so high, cause banks lend to anyone (people that actually cant afford retarded housing prices) since they have no risk becuase if you default on a mortgage in canada, cmhc protects the banks from any financial loss... so why would the bank care about who they give mortagaes too, they have no risk. Makes no fucking sense at all... people are so gung ho that housing has gone up, but I doubt there is a single person who wouldnt prefer they got their house for 40% of what they paid for it lol. But real estate is pushed in a way that if you dont buy now you will be "priced out" cause god forbid it is IMPOSSIBLE for real estate to depreciate... especially in the lower mainland... blah blah blah...
There is my financial rant. Dont buy shit you cant afford, real estate has more than doubled in value in the last decade... has the average household income doubled? No it has barely changed, but consumers are emotional retards and like living like broke bitchets with no money, house rich and cash poor and one swing in the wrong direction they get caught with house, which they have no equity in, and are unable to escape their mortgage.
Grumble grumble grumble. Companys are getting way to rich, middle class is getting wayyy too poor. | Grumble grumble, HST made my family starve and the blood alcohol lowering to 0.5 totally ruined all my parties. The Conservatives are all right-ring, money-loving, Bush-humpers who like to spend $9 billion on planes to protect us from communists who drink vodka and fly antiquated Lochkin planes.  | |
| | |
10-07-2010, 04:39 PM
|
#47 | | Banned By Establishment
Join Date: Jun 2006 Location: Shaugnessy
Posts: 2,610
Thanked 481 Times in 168 Posts
Failed 730 Times in 91 Posts
| Quote:
Originally Posted by Mugen EvOlutioN ^
sounds like a loop hole, or just too good to be true.
A lot of ppl can live without a loan for 7 years, its not that hard | if you're married, you can live off your spouse's credit. eg, have your wife apply for mortgages, both of you pay half for it every month. when you seperate, you'll still get half, even though your wife signed the thing into her name fully. i think as long as you have a contract between you and her stating that the house is owned by both of you, then you're good.
so husband rakes up $100k cash, goes bankrupt, then wife applies for a $300k mortgage (decent condo), and you got your $50k down payment and two $25k cars. after 7 years, transfer the mortgage into husbands name, wife rakes up $100k, goes bankrupt, spend money lavishly. wash, rinse, and repeat.  | |
| | |
10-07-2010, 04:49 PM
|
#48 | | RS.net, where our google ads make absolutely no sense!
Join Date: May 2004 Location: Vancouver
Posts: 990
Thanked 795 Times in 196 Posts
Failed 98 Times in 30 Posts
|
great idea.  | |
| | |
10-07-2010, 04:52 PM
|
#49 | | RS has made me the bitter person i am today!
Join Date: Apr 2003 Location: Vancouver
Posts: 4,865
Thanked 1,057 Times in 429 Posts
Failed 178 Times in 73 Posts
| Quote:
Originally Posted by Mugen EvOlutioN ^
sounds like a loop hole, or just too good to be true.
A lot of ppl can live without a loan for 7 years, its not that hard | i agree
maybe im being naive here but not every1 needs to start a family, get a loan for a house, and start a family. some people out there will just party it up, buy lavish things, and pile on the debt as much as humanly possible and when it comes to paying it back, then wont. Its adios for them or if anything they just declare bankruptcy. maybe im missing something here, but theres alot of people out there that can live without a loan for more than 7 years or go without a loan forever.
im not one of those people, but i know some people that dont care about there debt.
| |
| | |
10-07-2010, 05:50 PM
|
#50 | | Banned (ABWS)
Join Date: Jun 2010 Location: Vancouver
Posts: 468
Thanked 85 Times in 54 Posts
Failed 1,211 Times in 285 Posts
| Quote:
Originally Posted by BNR32_Coupe does that video tie into the illuminati and other conspiracies as well? if so, i don't have time for that. even if the illuminati existed, as long as i have my 9-5, fair salary, poon, weekends, and beer, then im good. couldn't ask for more than that, except maybe a lambo and a ducati. | The videos are about money and everything revolves around money, one can say ignorance is bliss but when it comes around and bites your ass, its going to hurt. Quote:
Originally Posted by BNR32_Coupe war is caused by political agendas, supply + demand, nationalism, human nature, scarce resources, religion, etc. financial institutions dont cause wars, they're a part of the supply chain of resources between war and its motivators. plus, stealing from the supply chain doesn't sabotage wars in any way, they'll just increase rates in order to compensate for losses. | Wrong, technically "financial institutions" give out enormous loans to weapon manufactures to create and profit from weapons. How do you think Hitler's Germany was able to mass produce its arsenal, owners of the central banks funded it to meet their agenda... they funded both sides of the war and the millions that died and die today are just statistics to them.
| |
| | | |
Posting Rules
| You may not post new threads You may not post replies You may not post attachments You may not edit your posts
HTML code is Off
| | |
All times are GMT -8. The time now is 10:43 PM.
|
You are currently viewing our boards as a guest which gives you limited access to view most discussions and access our other features. By joining our free community you will have access to post topics, communicate privately with other members (PM), respond to polls, upload content and access many other special features. Registration is fast, simple and absolutely free so please, join our community today!
The banners on the left side and below do not show for registered users!
