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Just $3,600 away from being virtually debt free!

Just $3,600 away from being virtually debt free
Not including the mortgage and the Mercedes, but I consider those a cost of living.

I've cleaned up my credit as well as I can, but the equity in my co-op apartment is nearly useless because the co-op board requires 25% down and I've only accrued about $1,000 in equity since.

"All" I need is $3,600 and we could finally live comfortably with a nice cushion each month between income and expense.  Right now the $3,600 in debt is divided almost evenly between an American Express: Blue card and a personal loan I took when I bought my co-op last year to fund some renovations.

If it weren't for the $6,000 in taxes I owed this year and the used money-pit BMW I took a $6,000 loss on, I'd be in the clear.

I can get a personal loan for $3,000, but that's not solving the problem.

So close...
Permalink Michael B 
April 3rd, 2007 1:29pm
huh?
Permalink z-z-zed 
April 3rd, 2007 1:31pm
I am $1200 away from being debt free.  Including the car.
No credit cards and only $1200 on my car.

But I dont have much of a savings.  I am working on that.
Permalink Bot Berlin 
April 3rd, 2007 1:33pm
Michael is trying to be funny.  It's not working, but he's trying.
Permalink Send private email muppet 
April 3rd, 2007 1:33pm
Is he trying to be funny or trying to be an asshole?  Either way he doesn't have much talent for it. 

He strikes me as a cross between Dan Denman and American Psycho -- worst bits of each.
Permalink z-z-zed 
April 3rd, 2007 1:35pm
He reminds me of Actively Disengaged.  AD moved from weird, trollish non-sequiturs to actually attempting to stalk me in real life.

So, Michael is a little concerning right now.
Permalink Send private email muppet 
April 3rd, 2007 1:36pm
$400 to get debt free.

Next year i hope to get a second department, but that one will be almost entirely on debt.

Maybe not a very good option if the housing bubble explodes here next year...
Permalink Send private email Masiosare 
April 3rd, 2007 1:37pm
Masio -- $400 to own your apartment?  Totally paid off mortgage?  way to go.  awesome.
Permalink z-z-zed 
April 3rd, 2007 1:38pm
muppet,

My wife and I make the same you do, and we're still putting my wife through college.

And we live in a high cost of living area (NYC).  And I bought a house at the same time you did for about the same price.  And I'm think I'm younger than you are.

Your paternal grandparents might be onto something.
Permalink Michael B 
April 3rd, 2007 1:41pm
Yeah. =)

Things got a little bit hard, because I live with someone and she has not a very good job, so now I pay most expenses. I hope those things change in this year.

My apartment is pretty small, but for me and my GF, is more than enough.

The idea of getting other apartment is thinking in medium to term, when we have kids.

Thanks :)
Permalink Send private email Masiosare 
April 3rd, 2007 1:42pm
Michael -

It's great that you've had so few major problems in your life that you've managed to get through it almost without debt.  That's great, and very lucky.  Consider your wife and yourself blessed.  Lots of people have a rougher time, and it's not because they're deadbeats.  It's pretty common for people who haven't experienced real hardship to doubt other people who have, so I wouldn't feel too bad about your total lack of empathy and sociopathic responses.
Permalink Send private email muppet 
April 3rd, 2007 1:47pm
Well, Michael B, that's a nice personal story and we'd all be interested to learn a bit about how you managed to buy in NYC with an income of 100k.  Impressive.  What borough?

Why don't you tell that story instead of posting garbage like the OP?
Permalink z-z-zed 
April 3rd, 2007 1:48pm
> It's pretty common for people who haven't experienced real hardship to doubt other people who have, so I wouldn't feel too bad about your total lack of empathy and sociopathic responses.

Sorry, I'm a bit desensitized to the victim/survival card since some people in my family play it all the time.

I've been following your posts for 18 months now but I've still never heard the story.  Is there one?
Permalink Michael B 
April 3rd, 2007 1:52pm
> Why don't you tell that story instead of posting garbage like the OP?

Is it garbage because you don't think it's true?  If so, uhm, I'm not sure how I can prove it?  I live in Queens.
Permalink Michael B 
April 3rd, 2007 1:53pm
>Is there one?

Not for you.
Permalink Send private email muppet 
April 3rd, 2007 1:55pm
Victim card, got it.
Permalink Michael B 
April 3rd, 2007 2:00pm
> Is it garbage because you don't think it's true? 

It's garbage because it's written to punch muppet in the head not to tell your story.

Muppet has shared a lot of his life with us.  Guess what that's pretty damn valuable to CoT.  It won't surprise you to learn that he's not perfect and a lot of his debt is stupid tax.  I sure as heck recognize it, cause I paid a good bit myself.
Permalink z-z-zed 
April 3rd, 2007 2:00pm
Well Michael is the avenging angel of perfection and good sense.  Since he's never done anything to be embarrassed of, it's fine to call other folks down when they're lamenting a problem.

It takes a lot of insecurity for a guy to find joy in posting this sort of tripe, Michael.

Victim card?  Sure.  Believe what you want.  Have I made a few missteps in my life?  Absolutely!  Have I also had a really, really hard time relative to other people my age, due to extenuating circumstances?  Yes. 

Be chronically sick and uninsured for 8 years and see if you can keep your house.
Permalink Send private email muppet 
April 3rd, 2007 2:06pm
> It's garbage because it's written to punch muppet in the head not to tell your story.

> Muppet has shared a lot of his life with us.  Guess what that's pretty damn valuable to CoT.  It won't surprise you to learn that he's not perfect and a lot of his debt is stupid tax.  I sure as heck recognize it, cause I paid a good bit myself.

Even in an online discussion board where, as far as I know, he may even be the moderator he's STILL the VICTIM making me the perpetrator.

Brilliant.
Permalink Michael B 
April 3rd, 2007 2:08pm
My status as moderator makes my personal life fair game for trolling?

My status as moderator means that any sort of personal attack against me is nullified?

I'm struggling to understand the logic of your last post, Michael.  Please explain your reasoning, it should be interesting.
Permalink Send private email muppet 
April 3rd, 2007 2:10pm
How the fuck does the fact the muppet is a moderator have anything to do with this thread? Do you think he is deleting the posts of all the people who are jumping to your defense?

You wrote the OP to be an asshole to muppet, right?  How could you be anything but the perpetrator?

A few posts up, about your wife and NYC, that sounded human and real.  Why don't you just start over with that story?
Permalink z-z-zed 
April 3rd, 2007 2:15pm
> I'm struggling to understand the logic of your last post, Michael.  Please explain your reasoning, it should be interesting.

Is it fair to say that your entire identity seems built around all of the terrible things that have happened to you?

I'm obviously not a psychologist and I haven't read everything you've posted and outside of this message board I don't know squat about you.  But you come off as a victim.

I suppose I could revel in all of the humiliating and horrible things that have happened to me, but... I guess I don't?

I think that means you prefer to be miserable and I prefer to be happy.
Permalink Michael B 
April 3rd, 2007 2:15pm
You're so happy that when you saw muppet was 40K is debt, you thought you'd mock him with stories of your Mercedes, BMW, and 25% down co-op?  Check yourself.  That's not 'happy.' I'm not a psychologist, but do you think maybe muppet's victim posturing triggered something related to those family members who you're obviously still pissed off at?
Permalink z-z-zed 
April 3rd, 2007 2:19pm
> You wrote the OP to be an asshole to muppet, right?  How could you be anything but the perpetrator?

If I were just trying to be an asshole why would I go through all of this trouble?  I would've just said "LOL muppet fails at life."

No, I'm just dumb enough to think I can reason with him sometimes, and then I'm abruptly reminded that he doesn't want to be reasoned with since he enjoys being miserable.
Permalink Michael B 
April 3rd, 2007 2:20pm
Ah yes, that's what this OP was, a reasonable response to my plight.  There's nothing mocking about it, in fact.  We've all imagined it.

Oops there's another post backing you up, hold on while I delete it.  OK my stellar CoT reputation is safe once more!

Anyway... dude, you're not a very good troll.  You need a LOT of polish.  A little practice will turn these ham-fisted attempts into subtle acts of beauty, but you've got a long way to go.

And yeah, you might want to see a therapist about those anger issues you have surrounding your family.  It's just not healthy, man.
Permalink Send private email muppet 
April 3rd, 2007 2:22pm
> That's not 'happy.' I'm not a psychologist, but do you think maybe muppet's victim posturing triggered something related to those family members who you're obviously still pissed off at?

My useful contribution is calling it out since I'm so familiar with it.  Just doing my part for the community. :D

No need to thank me.
Permalink Michael B 
April 3rd, 2007 2:24pm
> Ah yes, that's what this OP was, a reasonable response to my plight.  There's nothing mocking about it, in fact.  We've all imagined it.

Reasonable?  God no, it was meant to be the verbal equivalent of punching you in the face.
Permalink Michael B 
April 3rd, 2007 2:25pm
You thought the best way to "reason" with him was to appropriate the exact text of his OP and fill in a story of yuppie wealth and material success? 

I'm not sure if you're a liar or a moron.

When you started this effort to "reason" with muppet, what were you imagining his reply to your OP would be?
Permalink z-z-zed 
April 3rd, 2007 2:25pm
Clearly the solution to a guy trying to get out of debt of questionable origin is to beat him over the head with rhetoric about what a stupid fuck he is to have ever gotten into debt in the first place.

First class, Michael.

Gee, why do people think you're a prick?  It's a mystery!!
Permalink Send private email muppet 
April 3rd, 2007 2:26pm
zed, muppet doesn't need you defending him :)
Permalink Send private email Rick Zeng/Tseng 
April 3rd, 2007 2:28pm
So you though you could "reason with him" via "the verbal equivalent of punching" him in the face.  Clever.

> No need to thank me.

No danger.
Permalink z-z-zed 
April 3rd, 2007 2:28pm
zed -

"Gee Michael thanks for the fifth-grade level mockery of my heartfelt, sincere post.  Clearly I was only being a whiny, babyish loser, revelling in my victimhood when what I should have been doing is not posting about my life at all until all aspects of it are completely acceptable to all measures and metrics that any member of this board may want to hold them up to.  How stupid of me to post on this board at all, when I should be picking turnips or whatever we lazy welfare-recipient wannabes do when we're not smoking pot and buying Food Stamps at seventy-five cents on the dollar.  You've really woken me up.  Thanks Michael B!"
Permalink Send private email muppet 
April 3rd, 2007 2:28pm
> When you started this effort to "reason" with muppet, what were you imagining his reply to your OP would be?

"Oh crap, that guy is a lot like me but somehow he's alright.  Maybe... I'm the one responsible for a lot of the misery in my life because of my pessimistic outlook.  If I just started seeing myself as a winner I might start winning more!"

LOL!
Permalink Michael B 
April 3rd, 2007 2:29pm
Yeah, I'm such a loser with such a poor outlook.  That's how I cleaned up 80% of my credit report, fought back against outright fraud from a rental company trying to con me out of $2,000, took an issue with a utility company over $1,000 to the CEO of the company and got it totally wiped off of my record, with an apology letter, bought the house I've always wanted and moved my family into it, sent my daughter to an absolutely amazing public school with the resources and facilities of a private one.

Damn, it's just one fuck-up after another in my life.  Where would I be without you, Mikey B?
Permalink Send private email muppet 
April 3rd, 2007 2:32pm
> that guy is a lot like me ...

He even writes like me.  Oh, look, he puts "All" in quotes. *I* put "All" in quotes.  I could stop feeding my child and ignore my chronic medical condition and I'd be just like Mikey! Swell.  Gotta go find a parking space for the new bimmer!
Permalink z-z-zed 
April 3rd, 2007 2:33pm
OK I'm beating a dead horse here.  It's been fun.  I'll call you tomorrow.
Permalink Michael B 
April 3rd, 2007 2:33pm
"He even writes like me.  Oh, look, he puts "All" in quotes. *I* put "All" in quotes."

ROTFL
Permalink Send private email muppet 
April 3rd, 2007 2:35pm
"Oh look I'm being made to look like an ass.  Bye!"
Permalink Send private email muppet 
April 3rd, 2007 2:35pm
OK, you win, I'm wrong.
Permalink Michael B 
April 3rd, 2007 2:38pm
OH LOOK NOW HE'S A MARTYR.

You really are too much fun, Mikey B.
Permalink Send private email muppet 
April 3rd, 2007 2:41pm
The last word is yours:
Permalink Michael B 
April 3rd, 2007 2:42pm
Michael B is an idiot
Permalink bob's your uncle 
April 3rd, 2007 3:49pm
Repost Dildo!
Permalink Send private email Ward 
April 3rd, 2007 6:21pm
muppet's a dick. borrowing a shitload of money at silly rates isn't "misfortune", any more than people that eat seven macdo burgers a day are "wrestling with food addiction".

michael's sense of sarcasm may be out of kilter, but his original post was on the money. literally.
Permalink $-- 
April 3rd, 2007 6:42pm
I hate to sound like a defender of muppet, but he didn't borrow shitload of money himself, and his credit was low because of the medical cost of his illness.
Permalink Send private email Rick Zeng/Tseng 
April 4th, 2007 1:12pm

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