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Old 07-20-2009, 12:39 PM   #21
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well, No, I'm not proud of it butt...?

#1. This was back in the Early 80's, it's alot different now.. There was no help, nottin, you were on your own..They ( Med Bills Wanted us to File Bankruptcy and would not accept payments and didn't want to take us to court) They were Ruthless.. Why? They would get the State and Fed to pay for it...after I went bankrupt..!

#2. When your Broke an only have your Credit left to feed the Family? You'd be amazed what you will do..Let alone Give what you can to your Wife who is dying..before she goes..

3. Back then, when you couldn't make House payments after 6 mos? They Repo'd the House and evicited you and If they sold it for Less than you owed? You Still Owed the difference! And The same goes for Car Loans... Not like now-a-days, where you can just walk away..

#3. Even today..Thousands if not more, have been buying things at stores, then Re Selling them on Ebay and Personal For sale adds.. to raise Cash..

So for all you self rightous out-there? You best just Hope you don't end up in a similar situation..

Unfortuantely Thousands are with those Over Paid for homes and Very High Mrtgages( many refinanced to even Higher Amts on them after purchasing them) on homes worth 30-50% less now.. If they don't get Agreements ahead of time? And Just Give it back? They can STILL be on the Hook for whatever the house sells for vs what they owned...Thus bankruptcy is the only answer..

Are they any different? Bought a Place way over their head, Enjoyed it for several Yrs, sold the Furniture to raise Cash and then Bailed? And most Knew very well they couldn't afford those places, just like the Millions of Auto Vehicles that were sold under the same circumstances.. GM was actually Paying Buyers to buy a car with 100% financing! and giving your a $500-$,2500 cash refund! On $ you borrowed from Them! And the Car Salesmen/women Knew it, but it got them their commissions, so what did they care..! Nice Con Game!

And how about Buying Tools, etc at The Big Box stores, use them for a Few weeks and then can return them with their 30-60 -90 day rtn policy..? Same goes for That Costco and other Appliance Places.. and they Include FREE Deleivery! Need a hot tub or Above ground Pool for the 3 mo summer for FREE? many places sell them with a 90 day rtn policy.. others charge a 10-20% rtn fee... Big deal..! I know a guy down the street from me that does this every summer..and he always has a new Lawnmower! Gets a newone with a 90 day rtn, uses it for 89 days, rtns it and goes and buys another one and when Fall Comes. He rtns the 2nd one and waits till spring to do it all over again.. He's been doing that for yrs! LOL!

I'm with the VA.. guess How many guys are selling their Drugs on EBAY and other places for drugs they don't need anymore? Guess how many are Buying Drugs and Other Medical Supplies thru their Ins. co. Plans, pay the Copay /Ded. and then reSell it on EBAY and other places? How about A Used Wheelchair? Those New Scooters that Medicare pays for?

How about Buying Gardening -Plants at Home Depot , etc. that have 1 yr Guarantee's? They play the % that most won't if they die with-in that time.. but many take advantage of it and keep returning them after they Kill them with alittle gasoline to get a different one for Free.

Welcome to the Dark Side of The REAL WORLD...! On what's been really going on out-there..
and of course, 2 wrongs don't make it right either..
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Old 07-20-2009, 01:02 PM   #22
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Quote:
Originally Posted by calmloki View Post
For far too much of this attitude check out the Fat Wallet forum. Also plenty on there about returning plasma tvs to Costco every 6 months to keep having the newest model at no cost - hey! it's Costco's program, take advantage of it!
No thanks, this thread is nauseating enough.
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Old 07-20-2009, 02:22 PM   #23
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So Dennis...

Just because there are a lot of crooks out there... means you should become one?

I can say with 100% certainty it will not happen to me.... maybe someone in my family will get a terminal illness and it might BK me.... but I will not sell out my morals and become a crook... and believe me... I do know there are many who do what you say...

As your last statement says... two wrongs do not make a right...
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Old 07-20-2009, 04:37 PM   #24
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Wow Dennis, it all makes sense now. Everybody else is doing it so why not you too?

So, if somebody came into your house and stole the fur coat that you "bought" for your wife, with no intention of ever paying for it, would you call the police? If so, why? After all, he's just doing to you what you were doing to the credit card company. Finder's keepers and losers weepers, eh?

Quote:
This world's a jungle
There ain't no justice
Laws of nature rule this land
Better hide your horses
Bury your whiskey
Hold your woman any way you can, 'cause

Chorus:
There ain't no right or wrong
Nothin's carved in stone
It ain't cheatin' if you don't get caught
Joker's laugh and losers grieve 'cause
Out here there's no honor among thieves

That woman you've been lovin'
She was another man's
You stole her heart while his back was turned
On every corner
There's an outlaw waitin'
Who want's to teach you what you've never learned
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Old 07-20-2009, 08:26 PM   #25
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Dennis, your seemingly random use of capitalization makes your posts challenging to read so I missed your original comments, but the reaction of a couple other board members made me take another look.

Quote:
Originally Posted by Dennis View Post
When the Wife Got Cancer? We ran up all the CC's to the max and then some, we knew we were going to go into bankruptcy from the Medical Bills anyway..
Gave her just about everything she ever wanted from Clothes, Fur Coat to taking several Trips... After She Died, I filed banktruptcy and started over.. The CC debts totaled over $55k back in the Mid 80's...btwn 11 cards.. just paying the Interest on them along the way..and I sold alot of the stuff afterwards and had over $15k to start over with...
Losing a spouse must be horrible, but how did this behavior make things better? Is this the sort of skill you'd teach to your kids or brag about to your grandkids?

Quote:
Originally Posted by Dennis View Post
well, No, I'm not proud of it butt...?
and of course, 2 wrongs don't make it right either..
Well, maybe there's hope after all.

But I'm not going to keep reading to see what happens next. You have a nice life now.
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Old 07-20-2009, 08:59 PM   #26
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Not that I am in any way making light of your loss. My condolences. But this recent rationalization:

Quote:
When your Broke an only have your Credit left to feed the Family? You'd be amazed what you will do..Let alone Give what you can to your Wife who is dying..before she goes..
seems quite a bit different from your previous description. It doesn't seem like broke and trying to feed the family when you buy fur coats and trips. Or when you gloat about how you took advantage of the system.

Quote:
When the Wife Got Cancer? We ran up all the CC's to the max and then some, we knew we were going to go into bankruptcy from the Medical Bills anyway..
Gave her just about everything she ever wanted from Clothes, Fur Coat to taking several Trips... After She Died, I filed banktruptcy and started over.. The CC debts totaled over $55k back in the Mid 80's...btwn 11 cards.. just paying the Interest on them along the way..and I sold alot of the stuff afterwards and had over $15k to start over with... ;-)
But then, I also think your neighbors who take advantage of store return policies are immoral and should be guilty of fraud. I resent what they've done to make most retailers restrict legitimate returns and raise prices for folks like me who respect both the spirit and the letter of the law.
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Old 07-20-2009, 10:40 PM   #27
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For us programming geeks, an explanation in a story published at Slashdot IT Story | Software Glitch Leads To $23,148,855,308,184,500 Visa Charges

"Recently several Visa card holders were, um, overcharged for certain purchases, to the tune of $23,148,855,308,184,500.00 on a single charge. The company says it was due to a programming error, and that the problem has been corrected. What is interesting is that the amount charged actually reveals the type of programming error that caused the problem. 23,148,855,308,184,500.00 * 100 (I'm guessing this is how the number is actually stored) is 2314885530818450000. Convert 2314885530818450000 to hexadecimal, and you end up with 20 20 20 20 20 20 12 50. Most C/C++ programmers see the error now ... hex 20 is a space. So spaces were stuffed into a field where binary zero should have been."
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Old 07-21-2009, 07:59 PM   #28
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It would have been fun watching them trying to process my 231,488,553,081,845.00 cash back reward claim.
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Old 07-21-2009, 11:45 PM   #29
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Quote:
Originally Posted by gindie View Post
For us programming geeks, an explanation in a story published at Slashdot IT Story | Software Glitch Leads To $23,148,855,308,184,500 Visa Charges

"Recently several Visa card holders were, um, overcharged for certain purchases, to the tune of $23,148,855,308,184,500.00 on a single charge. The company says it was due to a programming error, and that the problem has been corrected. What is interesting is that the amount charged actually reveals the type of programming error that caused the problem. 23,148,855,308,184,500.00 * 100 (I'm guessing this is how the number is actually stored) is 2314885530818450000. Convert 2314885530818450000 to hexadecimal, and you end up with 20 20 20 20 20 20 12 50. Most C/C++ programmers see the error now ... hex 20 is a space. So spaces were stuffed into a field where binary zero should have been."
Oh, I'm so glad that you posted this - I was sure that I remembered that number from my old IBM mainframe days in the 80's - I worked for a bank and that number showed up on a report total - took us a while to figure it out! As soon as I saw the article, I suspected that same bug - but I hadn't seen confirmation. Thank you!
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