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luv 08-04-2008 08:05 PM

The official "Life's a Bitch" thread
 
Well, after dealing with getting over an ex and making sure he's paying joint bills, I decide to just focus on my job for awhile. I know it well, and I'm good at it. Should mean a little less stress while I get me and my life back into focus.

We had a meeting today, and the portion of the company that I'm a part of has been sold. Luckily, it will be in Springfield. Unluckily, there are only so many spots available at the new company. While I know that I will still have a job, I don't know what I'll be doing or if I'll have to take a subtantial paycut.

So much for less stress.

UPDATE: I just got offered a new position with the original company. I'll be able to stay where I'm at!! I'm now part of the technical support group. I'll be learning how to import and export data, etc. Kinda nervous, but so thankful for the opportunity.

TinyEvel 08-04-2008 08:15 PM

Should this have been a "prayer request?"

Hope it's not at that point. Hang in there and keep all professional relationships in good shape and remain as valuable as you can.

Good luck.

luv 08-04-2008 08:21 PM

Quote:

Originally Posted by TinyEvel (Post 4891141)
Should this have been a "prayer request?"

Hope it's not at that point. Hang in there and keep all professional relationships in good shape and remain as valuable as you can.

Good luck.

I'm trying to keep a positive outlook. I really am. My knowledge of the original company, its processes, etc is very valuble. The job I'm currently doing is covered by three different departments at the new place, plus I just took on more responsibility at the original company. I just don't know what's going to be available for me at the new place. I'm smart, I learn quickly, I'm good at what I do, and I have excellent attendance. There's still that part of me that scared shitless of going under financially. I don't need prayer. I just need to keep my act together, be impressive, and hope for the best.

I hope it will end up being a smooth transition. This just came at a time when I was looking for some stability and security. BAM! The floor falls out from under me again.

Joie 08-04-2008 08:30 PM

You've been there a long time, recently got a promotion and are good at your job. You'll be fine. Just have faith, luv.

Phobia 08-04-2008 08:33 PM

Company buyouts don't typically cut salaries - it's horrible for morale. They'd rather cut ties completely. So I wouldn't sweat a reduced salary. I know I probably didn't help much but at least you shouldn't have to worry about them coming in and asking you to take a substantial pay-cut.

StcChief 08-04-2008 09:05 PM

If you done several jobs in company, likely valuable at least for awhile, if you get to train new folks be leary about long term if you make a lot more.

Phobia 08-04-2008 09:20 PM

Quote:

Originally Posted by StcChief (Post 4891324)
If you done several jobs in company, likely valuable at least for awhile, if you get to train new folks be leary about long term if you make a lot more.

If they asked me to train new people my entire job I'd quit on the spot and charge them $100 an hour consulting. I've never trained my replacement except in a promotion. I never will.

luv 08-04-2008 09:54 PM

Quote:

Originally Posted by StcChief (Post 4891324)
If you done several jobs in company, likely valuable at least for awhile, if you get to train new folks be leary about long term if you make a lot more.

They're going over our processes and reviewing their own. No one is coming in to replace me. I will physically be moving locations, and I'll be starting in their company. Essentially, I'm the one who will need to be trained.

luv 08-12-2008 05:23 PM

Sometimes, when life's a bitch, you have to be a bitch to whomever gets in your way of making things better. No more playing friendly with the ex. He doesn't pony up.....well, I refuse to let him ruin me.

As for the job? If I'm not supervising 24/7 (and no longer have a company blackberry connected to my hip), then I can now get a second job if I have to.

My life WILL get back to normal.

blueballs 08-12-2008 05:30 PM

Simply Red is available
you can share the same body care products
and you're automatically a niner

tommykat 08-12-2008 06:35 PM

Quote:

Originally Posted by luv (Post 4891124)
Well, after dealing with getting over an ex and making sure he's paying joint bills, I decide to just focus on my job for awhile. I know it well, and I'm good at it. Should mean a little less stress while I get me and my life back into focus.

We had a meeting today, and the portion of the company that I'm a part of has been sold. Luckily, it will be in Springfield. Unluckily, there are only so many spots available at the new company. While I know that I will still have a job, I don't know what I'll be doing or if I'll have to take a subtantial paycut.

So much for less stress.

You so bustedLMAO Didn't u go to Vegas with someone while he did his thing? Sorry Luv, but in all do respect you both were wrong.

luv 08-12-2008 07:15 PM

Quote:

Originally Posted by tommykat (Post 4910473)
You so bustedLMAO Didn't u go to Vegas with someone while he did his thing? Sorry Luv, but in all do respect you both were wrong.

Yes. I went to Vegas with an old "friend". To say goodbye. To completely cut ties. Why? Because I fell for a dipshit who chose to be with a white trash 17 year old girl who lives off the government.

Yes, I share about my life, but not all of it. Anything else that's none of your business knowing or sharing that you'd like to put out there for discussion?

I'm glad you're able to laugh at someone else having a hard time whenever you boohoo about yours.

Hammock Parties 08-12-2008 07:17 PM

Cucumber.

StcChief 08-12-2008 08:25 PM

Quote:

Originally Posted by Claythan (Post 4910633)
Cucumber.

or Zuchini they are coming in well now.

Hammock Parties 08-12-2008 08:25 PM

Squash

Fish 08-12-2008 08:34 PM

Quote:

Originally Posted by Phobia (Post 4891420)
If they asked me to train new people my entire job I'd quit on the spot and charge them $100 an hour consulting. I've never trained my replacement except in a promotion. I never will.

Pimpin ain't easy........

RJ 08-12-2008 09:27 PM

I made a nice eggplant/mushroom pasta sauce tonight.

Buehler445 08-12-2008 09:36 PM

Head up luv. The sun will come up tomorrow. Then you can begin to take over the world.

cdcox 08-12-2008 09:49 PM

Best wishes, luv. Sorry you are going though this difficult time. From my experience, life is full of these cycles where things are going your way and then not so much. You'll pull through this rough patch.

Demonpenz 08-12-2008 10:38 PM

When I get down, i remind myself, I google "how to get rid of the blues" then I look at what I have, health, how good I phyiscally feel, and that I live in America where you can do most the stuff you want. Then I remind myself that I will die at some point, and I don't want to be like, wow I was so ****ing moopy.... now I am dead

Phobia 08-12-2008 10:42 PM

Yeah - you don't have it too bad, Luv. One of my workers fell off a ladder today. She'll be out for a long time. In this industry, if you aren't workin you aren't eatin. I'll do what I can to help her but she'll probably get evicted.

wutamess 08-12-2008 10:46 PM

Quote:

Originally Posted by Phobia (Post 4911182)
Yeah - you don't have it too bad, Luv. One of my workers fell off a ladder today. She'll be out for a long time. In this industry, if you aren't workin you aren't eatin. I'll do what I can to help her but she'll probably get evicted.


Mr. Montgomery Burns?
What'd you call me for?

teedubya 08-12-2008 10:46 PM

damn that sucks, Phil. My father in law fell off his a couple weeks ago. ****ing ladders!!!

Phobia 08-12-2008 10:55 PM

Quote:

Originally Posted by wutamess (Post 4911189)
Mr. Montgomery Burns?
What'd you call me for?

We had "8". I was hoping basketball got rained out.

ShortRoundChief 08-12-2008 11:03 PM

you remind me of the cartoon cathy

wutamess 08-12-2008 11:05 PM

Quote:

Originally Posted by Phobia (Post 4911200)
We had "8". I was hoping basketball got rained out.


You played with 8 all night?

Phobia 08-12-2008 11:08 PM

Quote:

Originally Posted by wutamess (Post 4911210)
You played with 8 all night?

Nah - we had one show up late and we picked up a scrub from another team. That second game was the best of the season. We came from 6 down, tied it to force extra innings, and then held on for the win. Great times.

Skip Towne 08-12-2008 11:15 PM

Luv, you should look around for something else. That company is just too schizo. Call headhunters and look for something similar to what you are doing. Put the ball back in their court and start playing offense instead of defense.

btlook1 08-13-2008 02:41 AM

Quote:

Originally Posted by Skip Towne (Post 4911225)
Luv, you should look around for something else. That company is just too schizo. Call headhunters and look for something similar to what you are doing. Put the ball back in their court and start playing offense instead of defense.


Yea what the older gentleman said....Good luck!

The Bad Guy 08-13-2008 04:55 AM

Quote:

Originally Posted by luv (Post 4910623)
Yes. I went to Vegas with an old "friend". To say goodbye. To completely cut ties. Why? Because I fell for a dipshit who chose to be with a white trash 17 year old girl who lives off the government.

Yes, I share about my life, but not all of it. Anything else that's none of your business knowing or sharing that you'd like to put out there for discussion?

I'm glad you're able to laugh at someone else having a hard time whenever you boohoo about yours.

Way to stand up for yourself.

I really don't understand what you going to Vegas with an old friend has to do with some asshole trying to ruin your credit, and worrying about your job.

Seems like a ****ing lame attempt to say you deserved such things.

007 08-13-2008 05:14 AM

Quote:

Originally Posted by luv (Post 4910623)
Yes. I went to Vegas with an old "friend". To say goodbye. To completely cut ties. Why? Because I fell for a dipshit who chose to be with a white trash 17 year old girl who lives off the government.

Yes, I share about my life, but not all of it. Anything else that's none of your business knowing or sharing that you'd like to put out there for discussion?

I'm glad you're able to laugh at someone else having a hard time whenever you boohoo about yours.

SMACK:thumb:

Rain Man 08-13-2008 05:16 AM

Quote:

Originally Posted by Buehler445 (Post 4911057)
Head up luv. The sun will come up tomorrow. Then you can begin to take over the world.


Bet your bottom dollar that tomorrowwwww, there'll be sunnnnn.

chagrin 08-13-2008 05:17 AM

Quote:

Originally Posted by StcChief (Post 4910831)
or Zuchini they are coming in well now.

LMAO

Are you enjoying them?

Braincase 08-13-2008 05:31 AM

When I get down, and start feeling blue, I start mailing white-powder-filled envelopes to government officials with a return address in Naperville, Illinois with a Mizzou sticker on the back to seal it. I have made sure they're the same model used to threaten the Orange Bowl selection committee from an anonymous source last year.

It just kind of warms up my day.

Rain Man 08-13-2008 05:34 AM

Tomorrow!
Tomorrow!
I love ya
Tomorrow!
You're always
A day
Away!


(Bows and leaves the thread.)

Rain Man 08-13-2008 06:02 AM

Okay, okay. One encore for you.


I am the very model of a modern Major-General,
I've information vegetable, animal, and mineral,
I know the kings of England, and I quote the fights historical
From Marathon to Waterloo, in order categorical;
I'm very well acquainted, too, with matters mathematical,
I understand equations, both the simple and quadratical,
About binomial theorem I'm teeming with a lot o' news,
With many cheerful facts about the square of the hypotenuse.
I'm very good at integral and differential calculus;
I know the scientific names of beings animalculous:
In short, in matters vegetable, animal, and mineral,
I am the very model of a modern Major-General.
I know our mythic history, King Arthur's and Sir Caradoc's;
I answer hard acrostics, I've a pretty taste for paradox,
I quote in elegiacs all the crimes of Heliogabalus,
In conics I can floor peculiarities parabolous;
I can tell undoubted Raphaels from Gerard Dows and Zoffanies,
I know the croaking chorus from The Frogs of Aristophanes!
Then I can hum a fugue of which I've heard the music's din afore,
And whistle all the airs from that infernal nonsense Pinafore.
Then I can write a washing bill in Babylonic cuneiform,
And tell you ev'ry detail of Caractacus' uniform:
In short, in matters vegetable, animal, and mineral,
I am the very model of a modern Major-General.
In fact, when I know what is meant by "mamelon" and "ravelin",
When I can tell at sight a Mauser rifle[*] from a javelin,
When such affairs as sorties and surprises I'm more wary at,
And when I know precisely what is meant by "commissariat",
When I have learnt what progress has been made in modern gunnery,
When I know more of tactics than a novice in a nunnery—
In short, when I've a smattering of elemental strategy—
You'll say a better Major-General has never sat a-gee.
For my military knowledge, though I'm plucky and adventury,
Has only been brought down to the beginning of the century;
But still, in matters vegetable, animal, and mineral,
I am the very model of a modern Major-General.

Saulbadguy 08-13-2008 06:43 AM

The only thing in life that you can control are your own actions. You should probably get a mentor of some sort because it seems you make lots of bad decisions. And no, you probably shouldn't pose every life question and concern you have to the bulletin board. I think they hire out mentors, but I don't know where to look for one.

Skip Towne 08-13-2008 06:47 AM

Quote:

Originally Posted by Braincase (Post 4911416)
When I get dow, and start feeling blue, I start mailing white-powder-filled envelopes to government officials with a return address in Naperville, Illinois with a Mizzou sticker on the back to seal it. I have made sure they're the same model used to threaten the Orange Bowl selection committee from an anonymous source last year.

It just kind of warms up my day.

:LOL:

BigRedChief 08-13-2008 07:03 AM

Quote:

Originally Posted by Saulbadguy (Post 4911469)
The only thing in life that you can control are your own actions. You should probably get a mentor of some sort because it seems you make lots of bad decisions. And no, you probably shouldn't pose every life question and concern you have to the bulletin board. I think they hire out mentors, but I don't know where to look for one.

JEEZZZ, I was the poster boy for bad decision making before I was 26. I finally decided to become an adult. So I know how people feel in their teens and early 20's abotu what the hell to do with their life. Been there done that.

I've been fired, laid off, quit, downsized etc but something always turns up. And the next job is almost always better than the last one.

Keep your head up Luv.

MOhillbilly 08-13-2008 07:17 AM

why dont you just move to KC luv?

Saulbadguy 08-13-2008 07:52 AM

Quote:

Originally Posted by BigRedChief (Post 4911486)
JEEZZZ, I was the poster boy for bad decision making before I was 26. I finally decided to become an adult. So I know how people feel in their teens and early 20's abotu what the hell to do with their life. Been there done that.

I've been fired, laid off, quit, downsized etc but something always turns up. And the next job is almost always better than the last one.

Keep your head up Luv.

I don't think she is in her early 20's.

Fairplay 08-13-2008 08:04 AM

Hang in there luv.

HemiEd 08-13-2008 08:26 AM

Quote:

Originally Posted by Braincase (Post 4911416)
When I get down, and start feeling blue, I start mailing white-powder-filled envelopes to government officials with a return address in Naperville, Illinois with a Mizzou sticker on the back to seal it. I have made sure they're the same model used to threaten the Orange Bowl selection committee from an anonymous source last year.

It just kind of warms up my day.

LMAO, oh crap.

BigRedChief 08-13-2008 08:28 AM

Quote:

Originally Posted by Saulbadguy (Post 4911534)
I don't think she is in her early 20's.

I'm still not a believer at any age of kicking someone when they are down. But maybe thats just me?:hmmm:

dirk digler 08-13-2008 08:33 AM

Quote:

Originally Posted by luv (Post 4910623)
Yes. I went to Vegas with an old "friend". To say goodbye. To completely cut ties. Why? Because I fell for a dipshit who chose to be with a white trash 17 year old girl who lives off the government.

Yes, I share about my life, but not all of it. Anything else that's none of your business knowing or sharing that you'd like to put out there for discussion?

I'm glad you're able to laugh at someone else having a hard time whenever you boohoo about yours.

Wow nice to stand up for yourself.

Anyway how long did you go out with this guy and is this the guy from Chicago or wherever?

I am sorry to hear about your tough time but things will straighten out and you will find a nice guy to make you happy.

Demonpenz 08-13-2008 08:38 AM

I don't believe in cliche's. I believe in advice and action.

MOhillbilly 08-13-2008 08:47 AM

Quote:

Originally Posted by Demonpenz (Post 4911604)
I don't believe in cliche's. I believe in advice and action.


cliches are there for a reason. mostly cause they are true. Aint braggin if its true.

Demonpenz 08-13-2008 08:49 AM

Quote:

Originally Posted by MOhillbilly (Post 4911631)
cliches are there for a reason. mostly cause they are true. Aint braggin if its true.

People have been posting the same responses for three years or more on luv's threads. Something isn't working.

Saulbadguy 08-13-2008 08:55 AM

Quote:

Originally Posted by BigRedChief (Post 4911577)
I'm still not a believer at any age of kicking someone when they are down. But maybe thats just me?:hmmm:

I'm trying to help - I was being serious with the mentor thing. She's posted many of her very poor financial and life decisions on this board. But I suppose that could be interpreted as kicking someone while they are down, but in some cases people need to hit rock bottom before they start to scratch their way back up.

MOhillbilly 08-13-2008 08:57 AM

Quote:

Originally Posted by Demonpenz (Post 4911636)
People have been posting the same responses for three years or more on luv's threads. Something isn't working.

some people gotta grind all the grist.


;)

Bearcat 08-13-2008 09:03 AM

Quote:

Originally Posted by Skip Towne (Post 4911225)
Luv, you should look around for something else. That company is just too schizo. Call headhunters and look for something similar to what you are doing. Put the ball back in their court and start playing offense instead of defense.

I agree... I'm always looking for my next job, even if it's just checking up on a few companies once every few weeks. Get a list of companies in Springfield (wikipedia) and check out their websites to see what's out there. It's definitely worth the small amount of time each week... even if it works out with your current company, you never know when you'll need a new job.

Demonpenz 08-13-2008 09:07 AM

Quote:

Originally Posted by MOhillbilly (Post 4911658)
some people gotta grind all the grist.


;)

walked into that one

Fairplay 08-13-2008 09:08 AM

Quote:

Originally Posted by Demonpenz (Post 4911636)
People have been posting the same responses for three years or more on luv's threads.



I need to get my post count up is my excuse..

Jilly 08-13-2008 11:08 AM

I know it's a struggle and I don't mean be little that, Luv, but at least you didn't lose your job all together. That's quite a blessing in today's economy. I've had three members of the church lose their jobs in a matter of weeks and are having a heck of a time finding new ones. So yeah, there's some changes ahead for you, but at least you still have an income. And I don't know the story about the ex....but words from a Say Anything come to mind,

JOE: Lloyd, man, no babe is worth it. Yo, hang with us man. We'll teach you Bibles full of truth.
DENNY: Man, all you gotta do is find a girl that looks just like her, nail her, and then dump her, man. Get her off your mind.
MARK: Your only mistake is that you didnt dump her first. Diane Court is a show pony. You need a stallion, my friend. Walk with us, and you walk tall.
LUKE: Bitches, man.
DENNY: Somebody better get that kid a condom.
LUKE: Yo dudes, I gotta bail.

luv 08-13-2008 11:54 AM

Quote:

Originally Posted by Saulbadguy (Post 4911469)
The only thing in life that you can control are your own actions. You should probably get a mentor of some sort because it seems you make lots of bad decisions. And no, you probably shouldn't pose every life question and concern you have to the bulletin board. I think they hire out mentors, but I don't know where to look for one.

Not everyone is as smart as you. I'm sure you've figured that out. I own up to the decisions I make in life. I just seem to be going through a spell where it seems like things are happening to me instead of me making things happen. Yes, I was incredibly stupid for the financial decisions I made while I was with this guy, but I'm also paying for them. I was getting my emotions out of the way and making headway with putting things together, then my company decides to sell me. I didn't ask for that. That wasn't a decision I made.

For the most part, I'm not one who makes bad choices. I'm unlucky in the relationship department. I share that here in order to 1) see if anyone's been in a similar situation, and 2) it is entertainment value for some here. Don't feel sorry for me, oh wise one. I don't need your pity. I just needed to vent. You can continue to look down your nose to me like you always do. Just think, if I didn't post my idiotic stories and situations, you'd be picking on someone else who might actually take it to heart.

luv 08-13-2008 12:08 PM

Quote:

Originally Posted by Jilly (Post 4912006)
I know it's a struggle and I don't mean be little that, Luv, but at least you didn't lose your job all together. That's quite a blessing in today's economy. I've had three members of the church lose their jobs in a matter of weeks and are having a heck of a time finding new ones. So yeah, there's some changes ahead for you, but at least you still have an income. And I don't know the story about the ex....but words from a Say Anything come to mind,

JOE: Lloyd, man, no babe is worth it. Yo, hang with us man. We'll teach you Bibles full of truth.
DENNY: Man, all you gotta do is find a girl that looks just like her, nail her, and then dump her, man. Get her off your mind.
MARK: Your only mistake is that you didnt dump her first. Diane Court is a show pony. You need a stallion, my friend. Walk with us, and you walk tall.
LUKE: Bitches, man.
DENNY: Somebody better get that kid a condom.
LUKE: Yo dudes, I gotta bail.

I definitely don't mean to make it seem like I've got it harder than someone else. I know I'm better off than a lot of people. I just tend to worry when it comes to finances, and taking a huge cut in pay didn't help whenever I was trying to figure out how to keep up with bills with the added expenses. I feel for anyone who has to look for a job. I always hated jobhunting. I was going to be so proud to say that I'd been with my company for 10 years in November. While I do have a job, I will basically be starting over. It was just a little much to swallow as it happened.

Saulbadguy 08-13-2008 12:09 PM

Quote:

Originally Posted by luv (Post 4912120)
Not everyone is as smart as you. I'm sure you've figured that out. I own up to the decisions I make in life. I just seem to be going through a spell where it seems like things are happening to me instead of me making things happen. Yes, I was incredibly stupid for the financial decisions I made while I was with this guy, but I'm also paying for them. I was getting my emotions out of the way and making headway with putting things together, then my company decides to sell me. I didn't ask for that. That wasn't a decision I made.

For the most part, I'm not one who makes bad choices. I'm unlucky in the relationship department. I share that here in order to 1) see if anyone's been in a similar situation, and 2) it is entertainment value for some here. Don't feel sorry for me, oh wise one. I don't need your pity. I just needed to vent. You can continue to look down your nose to me like you always do. Just think, if I didn't post my idiotic stories and situations, you'd be picking on someone else who might actually take it to heart.

YOU are making the bad choices - bad luck is bad luck, but don't try and go blaming any part of your problems on bad luck. Plus, all of your decisions are related to one another some how. You made the decision to stay with the company when you knew ahead of time they were looking to sell, if I recall correctly. I don't feel sorry for you, but I just wonder if you would listen to the people on this board once in awhile, would you be in the same situation you are in now?

luv 08-13-2008 12:14 PM

Quote:

Originally Posted by Saulbadguy (Post 4912161)
YOU are making the bad choices - bad luck is bad luck, but don't try and go blaming any part of your problems on bad luck. Plus, all of your decisions are related to one another some how. You made the decision to stay with the company when you knew ahead of time they were looking to sell, if I recall correctly. I don't feel sorry for you, but I just wonder if you would listen to the people on this board once in awhile, would you be in the same situation you are in now?

I had just gotten a raise at work a month ago. We had been acquired by a different company in the past, but nothing changed where we were at. My boss told me that our portion of the company had been sold about 4 hours before they announced it to everyone as a whole. You honestly think I wouldn't have already been job hunting if I'd known in advance that I'd be taking a big cut in pay? My god, you must think I'm a complete moron. No wonder you treat me the way you do.

Bugeater 08-13-2008 12:50 PM

Quote:

Originally Posted by luv (Post 4912120)
I just seem to be going through a spell where it seems like things are happening to me instead of me making things happen.

Heh, I know that feeling all too well. I've been going thru one of those spells for 3 years, hopefully yours doesn't last as long.


Quote:

Originally Posted by Saulbadguy (Post 4912161)
YOU are making the bad choices - bad luck is bad luck, but don't try and go blaming any part of your problems on bad luck. Plus, all of your decisions are related to one another some how. You made the decision to stay with the company when you knew ahead of time they were looking to sell, if I recall correctly. I don't feel sorry for you, but I just wonder if you would listen to the people on this board once in awhile, would you be in the same situation you are in now?

Just because someone makes what turns out to be the wrong choice doesn't necessarily mean it was a bad decision. No one knows what the future holds. Lord knows there's a few decisions I'd like have back, but at the time I made them I felt they were the right thing to do based on the information I had at the time.

Redrum_69 08-13-2008 12:59 PM

Quote:

Originally Posted by GoBo (Post 4912232)
Just because someone makes what turns out to be the wrong choice doesn't necessarily mean it was a bad decision. No one knows what the future holds. Lord knows there's a few decisions I'd like have back, but at the time I made them I felt they were the right thing to do based on the information I had at the time.



grape gatorade is a helluva drug

Rausch 08-13-2008 01:01 PM

Quote:

Originally Posted by Redrum_69 (Post 4912250)
grape gatorade is a helluva drug

This post is like Bobby Brown saying Red Bull pumps him up like nohting before...

sedated 08-13-2008 01:03 PM

Quote:

Originally Posted by GoBo (Post 4912232)
Just because someone makes what turns out to be the wrong choice doesn't necessarily mean it was a bad decision.

so you would consider co-signing a loan for a guy you've just started dating a "good choice gone bad"?

Saulbadguy 08-13-2008 01:39 PM

Quote:

Originally Posted by sedated (Post 4912261)
so you would consider co-signing a loan for a guy you've just started dating a "good choice gone bad"?

Yeah - you should probably do something about that, like now.

Redrum_69 08-13-2008 01:50 PM

theres always endelt....

Fairplay 08-13-2008 02:08 PM

I'm listening and nodding my head in a agreement with you luv.

Jilly 08-13-2008 02:09 PM

Quote:

Originally Posted by luv (Post 4912158)
I definitely don't mean to make it seem like I've got it harder than someone else. I know I'm better off than a lot of people. I just tend to worry when it comes to finances, and taking a huge cut in pay didn't help whenever I was trying to figure out how to keep up with bills with the added expenses. I feel for anyone who has to look for a job. I always hated jobhunting. I was going to be so proud to say that I'd been with my company for 10 years in November. While I do have a job, I will basically be starting over. It was just a little much to swallow as it happened.

of course it is, but maybe it will be a blessing in disguise...one can only hope I guess.

Bugeater 08-13-2008 02:09 PM

Quote:

Originally Posted by sedated (Post 4912261)
so you would consider co-signing a loan for a guy you've just started dating a "good choice gone bad"?

Heh, I wasn't aware that she did that, obviously I haven't been paying close enough attention. If we're talking about that specifically then no, that's usually not a good idea, it sounds like she made a decision with her heart instead of her head and that will burn you nearly every time. Although I'm not going to pile on her for that as I learned that lesson many times the hard way myself.

phisherman 08-13-2008 02:12 PM

well, saul's never made a bad decision in his life.

or at least one that he told the planet about.

little jacob 08-13-2008 02:16 PM

Quote:

Originally Posted by sedated (Post 4912261)
so you would consider co-signing a loan for a guy you've just started dating a "good choice gone bad"?

nobody should EVER cosign a loan for ANYONE. i would not cosign a loan for my best friend, my child, my parents, the old lady's parents, no one.

if they did not already have a long history of not being trustworthy in finance they wouldn't have to be asking for a cosigner. a bank with millions and millions in financial backing won't trust them with a few thousand bucks. why would a person with little or no financial backing assume the risk if Bank of America won't??

if you cosign a loan, you should just assume that you're going to have to pay all of that balance off.

Saulbadguy 08-13-2008 02:16 PM

Quote:

Originally Posted by phisherman (Post 4912386)
well, saul's never made a bad decision in his life.

or at least one that he told the planet about.

:rolleyes:

http://www.chiefsplanet.com/BB/showthread.php?t=116258&

MOhillbilly 08-13-2008 02:20 PM

Quote:

Originally Posted by little jacob (Post 4912395)
nobody should EVER cosign a loan for ANYONE. i would not cosign a loan for my best friend, my child, my parents, the old lady's parents, no one.

if they did not already have a long history of not being trustworthy in finance they wouldn't have to be asking for a cosigner. a bank with millions and millions in financial backing won't trust them with a few thousand bucks. why would a person with little or no financial backing assume the risk if Bank of America won't??

if you cosign a loan, you should just assume that you're going to have to pay all of that balance off.

**** that. i dont wanna take a home loan out on my house ever. so my uncle cosighns for me every 10 years or so when i need to make repairs to the farm or buy something i want.

id ****ing die before id live with the shame of not paying the loan off.

Saulbadguy 08-13-2008 02:21 PM

Quote:

Originally Posted by MOhillbilly (Post 4912406)
**** that. i dont wanna take a home loan out on my house ever. so my uncle cosighns for me every 10 years or so when i need to make repairs to the farm or buy something i want.

id ****ing die before id live with the shame of not paying the loan off.

Helps to have a fairly wealthy uncle.

little jacob 08-13-2008 02:21 PM

there are plenty of people though who don't have shame.

seclark 08-13-2008 02:22 PM

Quote:

Originally Posted by little jacob (Post 4912395)
nobody should EVER cosign a loan for ANYONE. i would not cosign a loan for my best friend, my child, my parents, the old lady's parents, no one.

if they did not already have a long history of not being trustworthy in finance they wouldn't have to be asking for a cosigner. a bank with millions and millions in financial backing won't trust them with a few thousand bucks. why would a person with little or no financial backing assume the risk if Bank of America won't??

if you cosign a loan, you should just assume that you're going to have to pay all of that balance off.

i've cosigned for loans for each of my 3kids. 2 auto loans, and 1 motorcycle. no problems. of course, i knew they had jobs and were able to pay the loans, which they did.
sec

Sure-Oz 08-13-2008 02:28 PM

Quote:

Originally Posted by seclark (Post 4912416)
i've cosigned for loans for each of my 3kids. 2 auto loans, and 1 motorcycle. no problems. of course, i knew they had jobs and were able to pay the loans, which they did.
sec

Plus they are your kids, and you'd probably beat them senslessly if they weren't responsible, hell thats what id do :P

Sure-Oz 08-13-2008 02:29 PM

As for co-signing a loan with a newer "bf" stupid....gf and i didnt talk about each others money expenses or deciding to do much together until almost 2 years. Save that shit for when you're married hehe...

Bugeater 08-13-2008 02:36 PM

Quote:

Originally Posted by little jacob (Post 4912395)
nobody should EVER cosign a loan for ANYONE. i would not cosign a loan for my best friend, my child, my parents, the old lady's parents, no one.

if they did not already have a long history of not being trustworthy in finance they wouldn't have to be asking for a cosigner.

if you cosign a loan, you should just assume that you're going to have to pay all of that balance off.

Eh, there's exceptions, it depends on the circumstances. For instance, shortly after my wife and I got married I impregnated her, and due to complications with the pregnancy we were left with a substantial amount of medical bills that insurance did not cover. This came after her being off work bed ridden for six months when we were minus her income, plus our health insurance premiums doubled during that time period. So naturally we started out in a deep hole, and we couldn't satisfy our debtors as quickly as they wished so our credit took a nasty hit right off the bat. Luckily for us we already had a home and decent vehicles so we were able get by without credit for many years, but if we had needed a loan for a car or something else we would've probably needed a cosigner, and it wouldn't have had anything to do with our lack of trustworthiness.

But yes, as a general rule it's a risky proposition, and no one should ever do it if paying off the loan themselves is going to cause financial hardship.

seclark 08-13-2008 02:37 PM

Quote:

Originally Posted by Sure-Oz (Post 4912431)
As for co-signing a loan with a newer "bf" stupid....gf and i didnt talk about each others money expenses or deciding to do much together until almost 2 years. Save that shit for when you're married hehe...

agreed...my post referred to little jacob saying no to any cosigned loans. i know for a fact i'd have never got a loan and started a good credit rating if someone(my father) wouldn't have cosigned for my first loan.
sec

FAX 08-13-2008 02:38 PM

It's a tough call, really. I've personally guaranteed several loans in the past - for a couple of employees and two friends. One person was flipping houses and the other guy had medical issues. I don't have a philosophical problem with it even though I once had to take up some slack for a buddy who fell behind. Sometimes people need a little assistance and, when I'm not insulting people for grins, I don't mind helping if the circumstances are right.

Having said that, I would have to know the person pretty damn well. It would be extremely uncomfortable, for example, to discuss co-signing a note for a girl I just started dating. I mean, if you decline, I'm pretty sure the relationship would be over. I can hear it now; "You don't trust me?". Oh, my God. Then, on the other hand, it could well turn out to be the most expensive sex you ever had. Those aren't particularly good options unless it's Gillian or Salma or somebody.

FAX

little jacob 08-13-2008 02:41 PM

i still wouldn't do it. if my daughter can't afford a new car she shouldn't be buying a new car. she should be buying a junker like i drove when i was 17 until she can afford something new. Or, I would be better off just giving her money to put toward a new car.


if you cosign a loan for someone else for a car for example, the lender will not tell you when the person pays every payment late, but your credit score will get lower every month from the late payments. even if you notice that, there is nothing you can do to make them sell the car, because you don't own it. you just agreed to pay for it.

the bank will not tell you before they repo a car but you will get a repossession on your credit, so forget about getting any loans yourself for 7 years or so. the bank will however come and make you pay the difference between the loan balance and the price they got for the car at auction. so after all these black marks on your credit, you will still have to pay the loan off anyway.


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