Legally wrong or not she was a cunt and threatened you.
I don’t take threatening me and my children very lightly. And it is not to hard to make someone’s life hell with their licensing board. Yes, I would go there.
Money can do wonderful and terrible things 
I will let most things slide, but not when you threaten my relationship with my children.
Honestly, I can now understand people who supported Bolsheviks - sure, you end up with one of the most inhumane societies in history, millions and millions of deaths, a government induced starvation and mass surveillance, a massive slave labor complex that is the gulag, but on the upside on day one you get rid of people like these.
The more I read about these Musk/Thiel friends the more it seems that it’s not such a lopsided deal as it seems at first.
Gay men can interbreed?
Anyone can do anything zhe/r gets in zhis mind. It’s 2023. Want a vagina? Imagine it, and others will also have to.
and if they don’t it’s because they’re white supremacist bigots
They watched GATACA and thought it was a how to video. 
Well, credit scores are bullshit anyway, but this feels unnecessarily punitive.
What’s fucked is that it doesn’t take income into account. Rich guy with shitty credit score pays less than poor guy who manages to do the right thing all along.
This sounds like a way to get people into homes that they can’t really afford. Haven’t we been down this road before?
Yes, just like rolling subprime mortgages / F rated debt into AAA rated packages.
They have still been doing that and just calling it something else.
From the article:
Insane.
As someone who doesn’t buy things with credit (housing aside), mortgage rate is ~90% of my incentive to have a good credit score. Not only have they removed that incentive, they are giving an incentive to have a bad credit score. It may help you not to pay back your debts in the future.
The math is worse than it seems too. It’s not a $40 dollar swing. It $40 plus whatever the difference in interest you would pay at the higher score and the score below 680. Say that is a quarter percent difference being at 675 vs 775. On a $400K house, that’s roughly $1000 a year (or roughly $80 a month). That’s a roughly $120 a month penalty for having good credit.
Honey, don’t pay the cable bill, we are going to be house shopping soon lol.
Government incentivizing bad behavior and irresponsibility has never gone bad…
These people are absolute fucking idiots.
I am assuming they didn’t have an economist (or at least not a competent one on the team).
They are eliminating one of the biggest incentives to pay debts. I do have my complaints about credit scores. My grandma who is worth North of a million couldn’t get an auto loan because she hasn’t taken any loans in her life (she wanted to finance and pay back early to get some cash incentive the dealer was offering). Also equifax leaked my information, so fuck them. At the same time, I think without it, it may be chaos if people figure out not paying back loans won’t really hurt them in the future.
I love to tell a dealer I am financing to get a price and then show up and pay cash that I “loan” to myself.
They hate me, but I win.
You never tell them you’re paying with cash haha. Much of their profit is from financing.
I pretty much only deal with private sellers though. Cash is king there.
So, what do you do
finance the buy, then pay it off immediatley
trying to understand how you do it
There are a couple ways.
You can borrow against your 401K and pay yourself back and the interest goes to you. Can usually borrow up to 50K or half of your 401K or stock.
Or you can take a loan out to yourself and “pay” yourself back with interest. Some creative things for tax purposes. Anyone with a hefty amount of cash, assets, or stocks should never get a conventional loan from a bank or lender.
Always set it up to where you are profiting in some way and not some financial institution.
I did the 401k years ago and paid myself back
The other way, how do you take a loan against yourself…who do you see to do that
