We have laws for a reason. They're there to deter people from stealing, committing fraud, and other crimes. But even the legal system can't always be perfect. People find ways to trick the system and benefit in some way, whether it's through insurance, unlimited discounts, or just free pizzas for a year.
One netizen was curious to know whether people had stories about similar things. So they asked: "What's the greatest legal loophole you've found in life?" People flocked to share their experiences of finding real-life cheat codes. Some of them were just small everyday wins, while others had pretty significant changes in their lives. Check them all out below, and don't forget to upvote your favorites!
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My little brother got a job at Harvard. He didn’t have a college degree. He was allowed to take one class a semester (or something like that). It took him ten years, but he got a degree from Harvard in archeology.
There was a man that got a job at Boston College as a janitor. Not prestigious, but came with one perk: free tuition for his kids. All five of his kids went to a private university, where tuition is $38k per year, for free. That's almost $800k.
I had this type of arrangement with a university I did research for in the summer. The class was free, but the catch was that the credit could not be used for a PhD. The double catch was that my regular employer didn't care about any particular degree and gave me salary boosts just for getting the college credits.
I got my Masters degree this way. I worked my university job during the day and went to classes at night. It took me less than 3 years since we were allowed to take 2 free classes a semester. It's not exactly a secret - most people who work at universities also take classes there. My brother did it too at a school in NYC.
My alma mater (Ohio U) had a program like this where employees could take classes for free. A janitor was retiring after 45 years and someone decided to look up his transcript. He had like a 700??? hours of credits and a 3.5+ GPA (don't remember the exact numbers) but was at least cum laude. No one noticed because he didn't have a major or an advisor for that major He had never applied to graduate because he was afraid they'd take away his classes. He walked the next graduation and was given a BA and a PhD in General Studies and allowed to keep going after his retirement.
A Harvard degree in archeology and $12 will get you a cup of coffee at starbucks.
That if you’re rich enough, most laws that are punished by fines simply mean those things are legal for a price.
So I can park in a garage in NYC for $65 a day. Or I can pay the $60 parking ticket fine to park on my own street in the West Village and sometimes they don't re-ticket my car. Sometimes taking an L in one way is a better W in another way.
What do you do if they wheel lock or tow your car?
Load More Replies...UK has started giving speeding fines related to income. One guy got one fine of over £96,000 last year.
I'm always amused that moving a bill's due date costs more than getting a reminder.
Gonna be that guy, but that's how laws work. Unless it's criminal there is no jail time. The only issue with fines is that they should be scaling so there is still a deterrent effect. Like European speeding fines that cost hundreds of thousands for the rich and just hundreds for the average person.
Speed/ parking ticket when you car cost 300’000$ are the same of the cost of coffe in the morning for me
The word "privilege" means private law. It means normal laws don't always apply to you. You can buy your way out, have the connections to make it go away, or enough of both to change the law just for you. Check out the bakery exception for the California minimum wage increase that just passed last week because someone had the last one.
Some countries have variable fines, depending on income. Much fairer...
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They say most people eat 8 spiders in their lifetime, but really you can eat as many as you want. Treat yourself!
Audi has volunteered to pounce the spiders for any soft can-openers that don't know how to hunt.
This is based on one of those "weird facts" posts that go around the internet. The truth is the "you eat an average of eat spiders" fact is literally made up. But the post above is still funny :)
It may seem that the law is the law, and that's that. There's no going around it, right? Well, according to legal professionals, sometimes, things can slip through the cracks. Laws may not be well thought-out, or they might be phrased ambiguously. Then loopholes are bound to appear.
There are some loopholes in U.S. laws that might seem untrue but are definitely legit. For example, in Wisconsin, underage (under 21) people can drink alcoholic beverages. The condition is that they have to be with their parents, legal guardians, or spouses who are of legal age. Some establishments might prohibit this, as the law states that this applies only "at the discretion of the licensee."
While in college, I won a “free pizza for a year” contest from Papa John’s on a radio station. It was really one pizza per month for 12 total. I called in and told the guy I had the little card they gave me and he said no problem and sent the delivery guy over who confirmed I had the card and gave me my pizza. Next month I did the same. Then it dawned on me… they’re not taking my card or marking it in any way so I called a different Papa John’s and told them my story and sure enough it worked and they didn’t do anything with my card either. I started working 4 different PJ’s near me to get one pizza per week every month without arousing suspicion. With leftovers, I could stretch it to two or three days easily. I did this for almost two years before I was sick of PJ’s pizza and gave my card to my roommate as I finished college and moved out. For a broke a*s college kid, this saved me. But to this day, I can’t eat PJ’s.
I dislike Papa Johns. It has no flavor and that's why you need those dipping sauces. Not a fan of Little Ceasers either. Dominos or Pizza Hut is my go-to most of the time.
I would rather eat no pizza than Papa John's pizza - their crust is awful!
I missed out, but I loved the gold dollar fiasco. In 2008 the US mint produced more than a billion new gold dollar coins. Nobody wanted them. So they figured maybe if they offered free shipping then people would order some online. Some clever folks ordered bookooos of them using credit cards that gave rewards, frequent flyer miles, etc. When the coins were delivered they just deposited them into their bank accounts, paid off the credit card bill, and went to Hawaii with their free frequent flyer miles.
The U.S. mint does special 'collectible' coins, usually dollar coins. Because they're limited run, and often made of precious metals like gold, some people consider them investments.
Load More Replies...In 1999, David Phillips became the pudding cup king using a similar loophole. Healthy Choice ran a promotion that gave you 500 frequent flyer miles for each barcode of their product you sent in. He discovered a local Grocery Outlet sold individual pudding cups for $.25 each. He bought 12,150 individual servings of pudding telling the managers at 10 different stores he was stocking up for Y2K and got bulk discounts since he was buying cases of them. Healthy One announced they'd give double points (1000 instead of 500) if you sent them in early. He ended up with 1,253,000 frequent flyer miles (lifetime gold status on AA and upgraded status on 3 other airlines). He also got a $815 tax deduction for donating all the pudding to the Salvation Army.
A co-worker had a car where it would come with a 30 day free trial of Sirius XM. He never signed up, but after getting a new battery installed he found that the trial renewed itself. Eventually he figured out that all he needed to do for free Sirius XM was to disconnect the battery every 30 days and the trial would automatically reset.
Actually, all he had to do was pull the fuse for the entertainment system, wait for a minute for the capacitors to discharge, and then plug it back in.
It just takes a minute or two to unhook and reconnect the battery.
Load More Replies...There is a loophole to avoid repossession if you miss a few car loan payments. The Repo Man can only take your car if you parked it at your address. If you park the car, say, in the neighbor's driveway, they might not be able to repossess it. However, there is a small hiccup with this loophole. License plate numbers might betray which car is yours, so the Repo Man can still repossess it based on them.
You like getting naked and think walking around in your birthday suit in public places is your God-given right? If you live in North Carolina or Kansas, you might be able to do just that.
While public nudity is illegal in North Carolina, people can be nude on their own property. So, standing in your doorway with no clothes on is technically legal. In Kansas, however, you can walk around naked as long as there are no obvious signs of arousal or sexual behavior. So, you can strut your stuff down the street with no problem!
You know, you can just order a happy meal for yourself as an adult. No one actually checks.
You can also buy the toys without actually purchasing the happy meal, they are cheaper too.
i've often wondered about that with the "kids menu" in restaurants. But they usually indicate an age requirement.
The burgers in happy meals are less than 2 oz patty and are literally paper thin. Don't bother.
However I buy kids meals on food delivery platforms, where there ARE age limits.
Load More Replies...Why can't you order a Happy Meal as an adult for yourself? Am I missing something here?... In the past I've ordered a Happy Meal for the toy, either to collect it (Remember the Beanie Baby craze? I had a few rare ones from McDonald's) or to give to a friends/neighbours child if they were into that particular toy.
I take my youngest sister and nephews, and we all get one whenever they have Pokemon cards :)
GameStop ran an promotion where they bought used games for 50 euros. Specific games tho. Anyway I ran to nearby outlet stores bought the stock for 20-30euros per game and threw them to GameStop and got cash. I got about 900 euros out of that before they fixed it.
A few years ago, there was that kind of loop with old diesel cars in France. If you bought a new car, state will take back your old diesel car for 3000 to 5000€ to help you purchasing a new one, whatever the condition of the old car. So, people bought 500€ derelict diesel cars, while others sold crapped diesel cars at higher prices than their real value,and got a big discount on a new one. Cost arm and legs to taxpayers while helping private manufacturers to raise their sale without any counterpart of any terms....
I mean, the point was to get the diesel cars off the road? Diesel exhaust is a carcinogen
Load More Replies...Did a similar thing with books for awhile. Couple book exchanges (second hand bookstores) would typically give about a 1/4 of the cover price for a good condition book then sell it for about 1/2 price. One of the new bookstores would sell books in bulk at $6 for five, or $10 for 10 kinda deals. This was when books were about $10 each so buy books at 10%, sell them to book exchange for 25% and pocket the 15% profit. Or in my case, I mostly used it to buy books from the book exchange that I really wanted and couldn't get from the new book shops.
It used to be cheaper for me to take a class at a nearby university and get student health insurance that way than it was to just buy health insurance. If you get really lucky, you can find a professor who’ll let you do a one-hour independent study, and it’s even cheaper, and if they’re cool with your reasons, you won’t even have to work that hard. Haven’t checked out the prices or done a comparison lately, but it’s always an option, as long as you don’t pick an online class that doesn’t qualify for health insurance.
If you don't really care about the class itself nor are you seeking a degree, does it really matter it you show? Fun fact though. I was a cinema major and they had single credit classes that lasted one day, several hours, in which you basically just watched several films of a genre on a weekend. No course work. No essays. No tests. Just show up. Watch some movies. Go home.
It might matter in terms of closing your options in the future. At least where I used to work at a Uni in Canada, if you fail too many classes then you're kicked out. Then you can't get a different degree in the future, and you can't keep gaming the system to get insurance.
Load More Replies...This is actually very effective at a number of schools. Student health insurance is typically incredibly cheap because the vast majority of students are young and healthy.
the fact that you have to do stuff like this says so much about the US health-profit system
But then you miss the joy of finding a work around. Heck, you wouldn't even get the fun of weighing the cost since your higher ed is free too. You miss out on so much!
Load More Replies...Do you know about the First Church of Cannabis? It's a legit church founded in 2015 by Bill Levin in Indiana. Levin says that the church was a direct response to the Religious Freedom Restoration Act (RFRA).
At first glance, the law allows Hoosiers to exercise their religious freedom. But upon closer inspection, it also might allow businesses and individuals to discriminate against homosexual individuals based on their religious opposition to homosexuality.
My dad got a parking ticket, on the ticket it said the car was black. My dad's car was dark green. He contested and won. This was before they took photos and I guess they just didn't press it, but still, no charge!
I had a cop in Houston give me a ticket that I believed was very unfair. I took pictures of the road, measured the distance to where the cop was, etc. I showed up in court with all my evidence in hand and sat waiting my turn. They took one look at me and apparently thought 'we don't want to deal with all this.' They dismissed it without me saying a word.
I'd be annoyed after all that work that I didn't need to present my evidence but also equally happy I didn't have to 🤣🤣
Load More Replies...A similar thing happened to me. The ticket said my car was "silver". The state I was in registers cars as "grey" instead of silver. I got the ticket dismissed.
My uncle got a speeding ticket once. They had a photo of him (clearly recognizable) and the plate (ditto) - only in the attached letter they misquoted the plate by one letter. Uncle replied the quoted plate wasn't his car's and got away with it.
Local online retail store (think H&M) ran a competition to win a 150 bucks off coupon. I naturally entered with my account, my sister and my moms. All three of us won and the coupon code sent to all of us was the exact same. So I figured if I created a different email every time, I'd continue using it. Which I did, for the whole year until the expiration date, and by that time I had spent over 5000 bucks without them noticing.
If a corporation is stupid enough not to close a loophole, they shouldn't get all butthurt when smart people find it and use it. Individuals don't get protected from the results of their own stupidity--why should corporations?
Load More Replies...When it was the same coupon why didn't you just usw the code again?
They did, but it was likely a "one use per account/email," so they created a new email for each new order and used the coupon once each time.
Load More Replies...... And this is why prices go up. Yes, it's a loophole but they will have to recoup the cost somehow. Hence the prices go up.
Oh no, what will we do if H&M raises their prices?! Riots in the streets, I tell ya. Also that's not how it works.
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I once got a speeding ticket for driving 52 in a 35 (mph / USA). I was driving on a stretch of road that was only about a mile long (intersections at both ends) and there were no speed limit signs on the road. All adjacent roads had a posted speed limit of 35, so one would assume that the speed limit on the road I was stopped on should be 35. BUT state law dictates that the default speed limit on county roads when not otherwise posted is 50 mph. I took pictures of the road at several places to show that there were no posted speed limit signs, and brought those pictures to court when I challenged the ticket and the judge dropped the ticket.
This isn't truly great in the grand scheme of things, but for a moment I felt like I had just won the greatest legal case in history.
On the other hand, in South Perth the police like to hand out speeding tickets on the on ramp of the Kwinana…the on ramp speed is 60kms and short…the Kwinana freeway is 100 kms …. Always seemed like a naughty speed trap ‘loophole’ to me
Yeah, there are always little places like that where the cops love to sit. When people complain about speeding tickets being for revenue raising this is what they're talking about. I have no problems with people being booked for speeding in a school zone, or doing 80 in a 50 zone. But booking people when they're accelerating on an onramp, or as they leave the 60 zone where it's changing to an 80 or 100... that's revenue raising.
Load More Replies...Sometimes a little research or effort like this really pays off. I once got a ticket for supposedly parking within 15 feet of a fire hydrant. After finding the ticket and before moving my car, I grabbed a tape measure and checked. I was 17.5 feet away from the fire hydrant. Judge threw the ticket out and I didn't even have to provide proof of the 17.5 feet. Probably helped that the cop didn't bother showing up to court to dispute.
Many years ago my ticket was dismissed as it wasn't signed by the officer. I do not know if this is still the case.
Load More Replies...Most speed limitations are protecting the participants of the traffic. Congratulations on bypassing.
Except that is explicitly the law in Michigan. The speed limit must be posted near every intersection and at set intervals that change based on the speed. If a road has no posted limit the speed limit is 55mph, unless it's a residential road, then the limit is 25mph. How was he supposed to know different if the proper signs weren't there? It's not uncommon here for one road to be 55 but all other nearby roads are 35 or 45, and the 55 roads generally have no speed postings
Load More Replies...A family member of mine got hit by someone (eventually, mostly, recovered, but it took years) doing this exact same thing, just being an a-hole driver and neither caring nor paying attention. There is literally no reason at all to be going 50+mph in an area less than a mile long anyway. You're really not getting anywhere as fast as you think you are, but you ARE likely putting other people at risk being a douchebag to save yourself less than a couple of minutes. Drive responsibly please, and stop being a douche. I'm willing to bet a new sign was put up (and yes, it should have been there anyway, but the lack of one doesn't mean "do what you want").
In italy is common to “ask you laywer” friend to make a case for every speed fine. Police have no time/ resources to check if your claim is true, and they’ll likely drop the charges
Similar story. I got a $50 ticket for making a right turn out of a mall parking lot. The cop said it was clearly posted. I went back and the "sign" was in a bucket filled with concrete sitting on the sidewalk in front of the mall a good 500 feet away. I showed up to court to protest with my pictures and the judge started doing their thing. After a couple people in row had the same story, the judge asked us to raise their hand if they were here for that nonexistent sign. Almost everybody raised their hand. She looked at the docket. All the tickets were written by the police chief and his relatives. The police department got to keep fines. It was Christmas time and they threw up an illegal sign to get money. The judge issued a bench warrant for the chief and he was found by the bailiff writing a ticket for the same thing three blocks away at the mall. Ended up being a huge scandal where the chief, his son, and brother all went to jail.
I got busted for speeding on my way back from Atlanta to Raleigh - I was traveling really, really fast. I showed up in court to plead my case thusly: "I grew up in Montana which had no speed limit (actually 'cautious and prudent') and depended on my cruise control to keep under the speed limit." The judge looked at me for what seemed like forever and said "That sounds like absolute b******t but...well, US$45.00 court costs and I don't want to see you in my court again" ***I did grow up in MT; there was no speed limit; my cruise control was broken (but the story was b******t - I was going for faulty equipment); we once had a 56 Chevy up over 130 mph - both windshield wipers were ripped right off; the highway patrol passed us like we were standing still. I went back just before they the state instigated a speed limit to see how fast I could get my car to go but I chickened out when I hit 110 - I guess I got old
Yeah, but in a lot of places the police tend not to bother pulling people over unless they're at least 5mph over
Load More Replies...The congregation of the First Church of Cannabis, who call themselves Cannaterians, wanted to use cannabis during their service, but the courts dismissed their case. While they did try to find a loophole for smoking weed in a church during service, the court ruled that not allowing them to do so did not infringe on their religious freedom.
Pay off a insurance company 5 dollars a week untill it took so l long they settled the debt 2k less than what I owed. They couldn't take me to court as long as I paid something.
This isn't about the premium. He probably had a very large hospital bill. You'll see the full total minus what insurance covered and that's your balance. Sometimes the insurance company issues the bill, sometimes the hospital less insurance payout
Load More Replies...You aren't billed by the insurance company for your health care. You are billed by the provider for anything the insurance company doesn't pay (including deductibles). So this post makes no sense as written. Plus, it most certainly isn't true that "They can't take me to court as long as I pay something". You need a written payment agreement with the provider that specifies the monthly payment and if you don't make the payments they can sue you. If you don't have a written payment agreement (and nothing says they have to give you one) they can sue you for the full amount immediately. And you could lose everything you own (including your house) and still be in debt if the debt is greater than your assets. As for the insurance company, if you don't pay your premium monthly your insurance is canceled. Period. They might not even tell you. Welcome to the American health care system.
Not so sure this works in all countries. And you make the prices go up for the others, so that's just a d**k move
Hospitals overcharging for all services just because the insurance companies and Medicare will pay it has a much larger impact than this guy
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I got a refund on a non-refundable flight with Delta. Normally if you cancel a non-refundable flight, they will only give you the value back as a voucher to use on another flight.
I booked a non-refundable flight that I didn't need to take then cancelled it and got the voucher for the amount for that flight. I used that voucher and booked a refundable flight then cancelled it. It gave me the option to refund it back to my credit card and it let me do it so I got my money back instead of it being applied as a voucher again.
Often works with hotels if you have to cancel at very short notice, move the booking to another night some weeks ahead, instead and then cancel it within the free cancellation window. Thanks receptionist in Manchester when I needed to cancel a booking as the singer of the concert I was going to broke her foot, then cancelled the gig!
Oregon doesnt care about misdemeanors from other states
I had arizona ruin years of my life for small weed charges
Oregon cops run my name, hear i have a warrant, and then we have a laugh and then we split ways.
Oregon, great for misdemeanors, awful for dying of dysentery (Orgeon Trail)
That's if you even get to Oregon to die of dysentery.
Load More Replies...Funny thing is that in my little tiny town in Arizona there are at least 3 weed stores
Oregon state police don't generally respect out-of-state warrants that involve "crimes" which are entirely legal in Oregon, no. Don't think that means you're safe from committing petty crimes and running off to Oregon, though! They'll still bust you if you're wanted for something that's also a crime in Oregon, even if it is a minor one.
It's probably also Arizona who "doesn't care". Basically - nobody wants to bother with the extradition. A crime in Arizona has to be processed in Arizona. That means Arizona pays an Oregon deputy (or one of their own) to escort the "prisoner" from Oregon back to Arizona. Most states don't care to fund that for low level crimes. I know of a similar situation of someone I know here in Washington state who didn't get extradited to Montana because Montana wouldn't pay for it.
Ahh, Oregon. Perfect for stuff like this. If you don't die of dysentery or drown in the wagon you caulked before you get there.
Air BnB related:
If someone messages you about having more guests over than what you specified on the booking and claim they have you on camera, check to see if they disclose cameras on the property. If not, you do not have to pay for the nights you stayed.
That's not quite how it works. As it happens Airbnb changed their hosting T&Cs literally last week, so any undisclosed cameras will be in breach of those terms.
Not sure about the undisclosed cameras part, but two days ago (3/11) they updated the T&Cs to forbid ALL indoor cameras. https://news.airbnb.com/an-update-on-our-policy-on-security-cameras/
Load More Replies...If I stayed at an Airbnb and there were cameras watching my every move, I would cover them with black tape, that’s an invasion of privacy.
I've never seen one with cameras inside their place, they usually have them outside the place.
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Cruiseship casino: I was gifted 200$ in credit to pay for ship extras/activities when I ordered my cruise package.
When I got to the casino I realized you could load that credit into the slot machines.
After one round of testing with depositing a small amount and immediately cashing it out worked, I went back and came out of the casino with 2 crisp 100$ bills never placing a bet.
$200, people!!!! Dollar sign first! I don't know why it's such a pet peeve of mine, but dangit people!
Many other countries write it at the end. We don't know which country OP is located. Cape Verde writes the symbol in the middle, where the decimal point goes.
Load More Replies...My Mum and her partner went on a cruise that offered a similar deal. They didn't even need to put the money into a machine. When they went into the casino with their coupon and the cashier literally handed them cash. From memory Mum kept hers, her partner gambled his (don't know whether he won).
Um, I guess. But don't you ever use your Onboard Credits for Excursions or other purchases (drinks, etc.)? I mean, that is what it is for...
Or you can do what OP did and pay cash for your items and pocket the rest...
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Old LL tried charging me a cleaning fee when i moved out for some very minor things, like hair on the window ledge? I had spent the whole weekend before i moved out cleaning the place so i know it wasnt in bad shape at all. I’m guessing they were going to have cleaners come anyway and wanted to find any reason to charge me.
Long story short, I fought it and won because local law said they had to send a claim via certified mail within 30 days, and all our communication was done via text or email.
Not just when you move out, but also from when you move in. Highlight any wear or damage so you have a point of comparison.
Load More Replies...We rented a house that was left an absolute mess to move into... we had to replace all the blinds because they were missing slats and/or falling down, the previous tenants let their birds fly all over & there was bird $hit on top of all the cabinets, the stove had so much burned on oily goo that my boss gave me a sample of what we sell to the Dept of Transpt to remove tar & grease from their vehicles. It was so bad that if we had't been in a bind for a place after we gave up our apartment to rent a house and were not able to find anything else on short notice, we wouldn't have moved in at all. It took my husband, me and many friends over a week to make it livable. When we moved out the landlord had the nerve to complain to us and threaten to keep our deposit because our cat left some noseprints on one of the windows during our final day there. I offered to show her photos of when we moved in compared to when moved out & told her we could talk further in court. We got our deposit back.
To any young / new renters - ALWAYS do a pre move in inspection / photos and complete the inspection form and get a copy that is signed by your landlord. Then thoroughly document conditions on move out and if possible get landlord to inspect before you leave. I treated my tenants fairly but I've personally witnessed some really horror stories by some bad landlords. In one case even a faulty building leaking water in from the outside (upstairs porch) and landlord trying to blame the downstairs tenant.
I learned years ago to never clean a rental when you leave, they will charge you to do it regardless.
In some US states, landlords have to pay double the deposit back if they don't itemize damages in the letter within those 30 days. This is to punish landlords. Check your state's rental laws for info.
That you can get a divorce by default.
I legit cried after 2 years of struggling to get the papers signed, a divorce that he asked for too!
In the UK if one person is refusing a divorce then the one who wants a divorce will have to wait until they've been separated for five years.
Not anymore. "No fault" divorce was finally introduced in the UK in 2020. Only one party needs to apply for the conditional order and neither party needs to disclose any reason and the court will not ascribe any blame.
Load More Replies...Me and my ex husband weren't together for 10 years. I had already tried to get divorced a few times, but he was homeless for most of those so it was a pain in the a*s and we didn't have kids so the issue was never pushed through. I finally wanted to because I got engaged to my current husband. I had to hunt him down through family, as he lived on the other side of the country, to have the papers served to him by a local sheriff where he lived. He forgot to sign one freaking piece of paper and it almost didn't go through. Luckily I had a phone number for him and the judge called him. I cried so hard when it finally went through.
I had to get my divorce like this too. He chose divorce, but refused to sign the papers. He kept messing around. We didn't even have anything to fight over. He was just being a narcisstic jerk like usual. I lawyered up and finally got it through default. I don't think he knew that could happen, I think he thought he could just screw around with my life for fun.
I tried and failed to get tickets for the London Olympics via the main ticket application site. A small number of tickets are also sold by national associations and so I went through every single European countries' Olympic websites. Every one was in high demand or required being a resident except one. On the Icelandic website, the English version mentioned nothing but if you went to the Icelandic language version, then you could buy tickets for almost any event.
So I immediately bought the cheapest tickets for the 100m athletics final, the tennis finals, and the swimming finals.
I think I bought mine from a Swedish website. Plus I used to work in Canary Wharf so used to pick up return tickets from Excel (they released new batches daily during the games).
To help build your kid's credit, make them an authorized user on your cards. Don't actually let them use it but your use and payment on your card seems to transfer to the kid. Step-son had a 730 credit score at 21 without ever taking out any cards/loans himself.
Another credit tip...if you file bankruptcy and need to build credit AND have some cash, take out a secured loan with a bank/credit union. You have to front the money in a savings account and make payments but there is no reason to get turned down and it rapidly builds your credit back.
if you were made bankrupt there is no way you would ever get approved for a loan from any bank
"...vehicle loans and mortgage loans are secured by their respective assets. Share-secured or savings-secured loans... are secured by amounts you have saved in a savings account or certificate of deposit (CD) account at a credit union or bank. This type of secured loan can be useful for building credit if you’re unable to get approved for other types of loans or credit cards." -- Investopedia
Load More Replies...What is a credit score? I have never heard of that concept. I'm not from the USA
When you take on debt, through having a credit card, taking out a loan, or owing money like a medical bill, the debt gets reported to the three credit bureaus, companies that keep databases of everyone's debts. Making payments on time on your loans, paying off your credit card every month and paying your bills improve your credit score - you're demonstrating that you're financially responsible and someone who loans you money is likely to get it back. When someone wants to check your credit, they pay one of the credit bureaus to get your credit report, so they can decide if you're a responsible and low-risk person. People who check your credit score obviously include anyone who's going to lend you money or finance a purchase like a car, but also credit card companies when you open a new card, and landlords when you rent an apartment....
Load More Replies...Speaking as someone who just experienced all of this let me explain how it works in Canada anyways. Went through a bad marriage and separation. EX put all bills (house cars etc) in my name and walked away from everything. I was saddled with $260k of debt as a single parent with a small son. Went through Bankruptcy as my only option. Waited the 7 years that your credit is supposed to suffer and then tried to rebuild. Applied for a credit card and was approved. Purchased items and paid them off every month so card had 0 balance. Once month made a few extra purchases and paid them all off. My credit score went down 20 points because "I used too much credit" regardless of the fact I paid it all off before the billing date.... Partner and I just purchased a house, His entire life (almost 50) paid everything in cash, lived only within his means never had a credit card loan or anything. Bank refused to even look at him because he had 0 credit. Need a degree to figure it out
I have no credit score. Never had a cc or loan. I still was able to get a car and house. You have to find an old school manual underwriter, but it's worth it for me and mine.
I did this for my girlfriend, she had horrible credit but I added her as an authorized user to all nine of my credit cards. I destroyed the cards, so they wouldn't be used, but it gave her nine different accounts with no utilization and she could start building up that history.
I totally get why you have to be in debt to get a better credit score. Imagine you had 2 friends. Friend 1 asks to borrow £1000 and you know from experience that Friend 1 will pay you back as they have done this before so they are less of a risk. Friend 2 asks the same but last time that happened they took way too long to pay, missed agreed payments and kept ducking you. Friend 2 is a higher risk. Makes sense.
“I know a guy” who worked at Outback Steakhouse as a server/bartender in college. Before his shift, he would go to giant eagle (grocery store that also has a gas station) and he would buy a bunch of Outback Steakhouse gift cards with his own money. When he did this, he would earn a bunch of discounts on fuel. He would keep the gift cards in his pocket during his shift. If a customer came in and paid for a meal with cash, he would put the cash in his pocket, then use one of the gift cards to close out the check. The customer paid cash… their bill was paid. Outback got the check paid for, just by gift card instead of cash. And that handsome young server/bartender got a free tank of gas about once a month.
How? There's no missing money. Dodge, yes. Fraud, no
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Dismounting my biscycle near a zebra crossing turns me into a pedestrian who suddenly has the right of way, because I'm at a zebra crossing. This superpower will stop a Dodge friggin RAM! (btw I'm Dutch).
This is a bit riskier in the Ram's home environment (the often non-pedestrian friendly USA)
The law is the same in the US. Most bicyclist don't get off.
Load More Replies...I was once rolling through Pennsylvania in an 80,000lbs (36,000kg) tractor trailer, there is a pedestrian right of way cross walk at the bottom of a hill near Gettysburg. Speed limit is 25, I was doing about 20 and fighting to keep from gaining speed going down the hill. A woman pushed her Baby Stroller right out in front of me into the cross walk! Argg! I stomped the brakes and had all 18 tires screaming. People! Just because that paint gives you the right of way, that paint isn't a force field, it's not going to stop a semi coming down a hill. I nearly mowed her and her kid down because she didn't look, didn't think and she gave *me* the dirty look when I nearly Jack knifed my truck trying to keep from kiIIing her.
damn, that is scary. People don't realize stuff like this happens, at the bottom of a hill, man, LOOK!
Load More Replies...The laws of man may say the pedestrian has the right of way, but the laws of science say the 3000 pound vehicle has the right of way.
Dutch huh? I'm guessing no zebras have every really crossed there. /J Laws very by location. In Washington state USA a person riding a bicycle across a cross walk is treated like a pedestrian. I used to think otherwise and spent a while looking it up one day. Our bicycle traffic laws are a bit odd. In some areas they are treated as not pedestrians (you can get a DUI on a bicycle for example) and in other areas like the crosswalk they are.
You can also get a speeding ticket in some places on your bike. I live in Washington State myself.
Load More Replies...Where I am, you're allowed to ride on crossings and therefore hold right of way. Just has to be 10km/h or less.
It's literally illegal here. The logic being that people ride bikes at a much higher speed than pedestrians so drivers don't have as much warning to stop. It's actually about protecting the bike riders. Most people don't care though and just ride wherever the hell they like >_<
Load More Replies...In the UK you don't need the zebra crossing - in theory, at least. The highway code changed a couple of years ago to set a clear hierarchy on the road, so cars should give way if a cyclist is waiting to turn or cross the road, and can't overtake until there's enough space to do it safely. I say in theory as very few drivers where I live seem to act on it. Cyclists must give way to pedestrians.
I went to Hawaii all expenses paid for a job interview that I was not qualified for. 3 nights at a decent hotel and free airfare.
In college, I lived with my gf. We had renters insurance that I managed.
I left for 6 months to go to grad school in a different state, but only took a portion of my things.
She moved into a different place with a friend of hers. They decided that her friend would keep her rental insurance because it was cheaper.
They had a pipe burst while they were out of town for a few weeks and lost everything.
Turns out, her friends policy was cheaper because it was capped at 10k.
I'm lazy. I never called my insurance company to cancel my policy.
Mid way through their flight over the money, I called my company and said hey, I moved but didn't tell you, am I still covered? They were like 'sure, we insure your stuff, not the building '.
The claim ended up being close to 50k and was a nice way of replacing all my old c**p from college before starting real life.
Also, for the same claim, the adjuster got so tired of reviewing receipts they just paid the max and let it go.
Huh? The root cause was structural so the landlord’s insurance should cover it.
I have no idea about the intricacies of these particular policies, but I think the landlord's insurance would only cover the damage to the actual building. If you want your possessions covered, you need renters insurance.
Load More Replies...It's not fraud. They were covering his stuff. His stuff was still there and got destroyed. Therefore, the insurance covered his stuff. I mean the agent told him it was okay so why are you more of an expert?
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I had Domino's pizza app and they had a short lived code for a week mid pandemic for 50% off. They pulled the coupon but I saved the code. I manually input it every time I ordered. It worked for a year and a half and I saved a bloody fortune on pizza. It did sting alot afterwards having to look at regular price for a pizza. I did Friday pizza night every week for the family so it added up quickly.
In the UK it's impossible to buy a pizza from Dominos at full price. Every day there's some kind of offer
So basically the 'full price' is non-existent, the discounted price is the full price.
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Obscure high end and totally overpriced food onlineshop had a rating feature that gave you reward points for the store.
Don´t remember how many points per review and they only accepted about 1 in 3 reviews that I wrote, but I was in school and had time.
Got about 200-250€ in overpriced food out of it, but hey it was free (since my time wasn´t valuable back then, or at least i thought so)
I was scared about the legality so i did not exploit it, by using multiple accounts.
I stopped after some months when they dropped the rewards feature.
Looking back, I am still amazed that nobody ever noticed that one person wrote about a 1000 reviews on expensive food items, but never bought anything (apart from the 3 or 4 orders I did, when I reached about 70€ in bonus points).
They were giving you food to "pay for advertisement" . . . good reviews for a place will bring in more customers
At one point, there was a statute in Virginia that essentially said if there was no one manning the booth to get on the toll road, you were not responsible for a fine if you ran it (because otherwise you had to have exact change). But in my area, they ended up completely unmanned after a certain hour, so I had a letter I provided my friends as a template so that they could completely avoid this hefty fine. Worked for all of us.
Doesn't work in the San Francisco bay area (and surely other similar areas). The main bridges are all unmanned and are camera operated. You don't stop to pay tolls. You just drive through. If you don't have a pre-paid bridge toll pass on your dash or visor that scans as you drive through, you just get bill for the toll in the mail.
They have a similar system in Washington State, except they will add a fine on top of the toll if you don't have the toll pass.
Load More Replies...I have never understood why people tollerate this toll road BS. We pay taxes that build the roads. The cost of collecting tolls must outweigh the income.
Taxes don't cover everything, that's why things (like roads) fall into disrepair. Roads and bridges are a huge capital expense. So the council (local government) has a couple options, borrow money (at some point the debt may be unpayable), let the roads rot, or privatise. Tolls can be either them paying off the debt if they chose option A or they're the private company who built the road making money. And no collecting tolls doesn't outweigh the cost. Even at a buck or two per car it's very profitable. We have a toll bridge and the average vehicles across it are 125,000 per day. Even at $2 a car (they normally charge by axle so trucks pay more) that's a quarter million dollars a day. And apparently the toll is up to $5.40 a car so it's well over half a million dollars a day. Annoyingly the toll was only supposed to last until it was paid off, but they never removed it :(
Load More Replies...Google "court system" - you'll learn something today!
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Fines just mean legal for a price.
In Finland, for example speeding fines are relative to your income, and sometimes we have the news of some celebrity or CEO getting a huge speeding ticket.
Load More Replies...No. This attitude can, will and has done damage to people, animals, environment....
Mia, it is very wrong. However, if you have lots of money, losing a little tiny bit to a £1000 fine isn't a big deal. It's not even a small deal. Instead, don't have fixed fines, have fines that are proportionate to a person's income/bank balance. This way the very rich are equally disadvantaged by fines. AND the fines from the very rich can be used for the public good.
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In college, I found out that placing a dime in the dorm basement vending machine and pressing the coin return immediately returned a quarter. Paid for a lot of laundry with that hack.
Given the cost of education in the US, I'd opine that a kid hustling the vending machine is less abhorrent than the lifelong debt of getting a degree in America. ( or Healthcare, or a home.)
Load More Replies...Place I worked had some vending machines. Could point a bill in, then hit the change return. Would spit out more money than I put in. Free food.
Not a legal loophole… but my parents had an incredibly strict rule that if a sport required a helmet or any safety headgear then that sport was too dangerous to play and was forbidden for me to participate. So no football , no ice hockey, no baseball or lacrosse, even squash and racquetball were tenuous(safety eyewear requirement); I could only play tennis and golf. But as a teenager, I really wanted to play a contact team sport. That’s when I discovered rugby. My parents had never heard of it and when I told them that it didn’t require a helmet, thus satisfying their rule, they signed off on it, and I played for a local men’s club my senior year of high school before I moved out to go to college where I played for another four years away from their judgement.
Oh cool, you're homophobic too. Just an all-around pleasant person.
Load More Replies...You can legally buy magic mushroom spores on the clear web. Growing them from spores>mushroom is the "illegal" part, and it's also trivially easy (they grow in cow s**t for crying out loud). For $50 of supplies you could - in theory - have a lifetime of medicine. r/unclebens.
Guys do not listen to this post (exactly). It is not "super duper easy" to grow psilo, but it's simple if you learn the proper steps. The issue with growing from spore is that while the mycelium (essentially mushroom roots) grow, they are EXTREMELY susceptible to rotting. Check out r/UncleBens if you're curious.
Not a legal loophole, but a business one. The New York Yankees in their late 90s heyday had a trick to get playoff and world series tickets. Since orders were taken over the phone and batch processed over night, there would inevitably be data entry errors or over limits that would kick a sale back and those tickets back into the available pool. Simply calling at opening the day after tickets went on sale got us tickets to every post season game we wanted to go to for years until they switched to real time credit card processing.
Oh, so other fans are entitled to seats? And OP isn't?
Load More Replies...If you move from the USA to another country, your credit score doesn’t transfer and you can start over without whatever medical/student loan/any other debt you have. Obviously not an option for a lot of people, but hey.
Wait... did you think that credit scores only exist in the US? Just curious.
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Health insurance policies regulated by my state (VA) require the value of pharma company coupons/rebates to count towards my deductible and max out of pocket. So I can blow through my HSA eligible level deductible for $25 with the first 90 day fill of a qualifying medicine.
See, pharma wants money, so they charge $1000 for New Med. Insurance wants to save money, so they say you can get Old Med for $10 (which costs them $20) or New Med for $100 (which costs them $1000). pharma counters this by saying we will give you a Coupon for $90 off your copay for New Med - so the patient figures they cost the same $10 and newer must be better. The catch is, pharma only gives you the coupon for 3 months- after that, if you still need Mew Med. you gotta pay the full$100. Mind you, OP was talking about the deductible.... but my brain starts screaming whenever I think about messed up US insurance, so I'm stopping now.
Load More Replies...The deductible is the amount you have to pay yourself before insurance kicks in. Virginia has a law that if a pharmaceutical company gives you a coupon or a rebate for a medication, the value of the discount will count towards your deductible, as if you paid the full price of the medication. Let's say this person had a $500 deductible. If 90 days of their medication would normally cost them $600, maybe the pharma company gives them a rebate for $575. (The company doesn't care, this discount is only on the part you pay. The insurance company is still paying whatever's in their agreement with the pharma company, which is where the pharma company makes their real money.) With the rebate, the medication costs this person $25. But under VA law, the money that goes towards the deductible is the price they paid, $25, plus the $575 value of the company rebate. Now they're at $600 on their $500 deductible, the insurance kicks in and starts paying for things, and they've only actually paid $25.
Load More Replies...That doesn't mean anything to the rest of the world where healthcare is free.
You can get college credit in high school and you don’t have to pay for it.
It must be different where OP went to school, because both of my children took college credit classes in high school and I definitely had to pay for them. It was much less than the classes would have cost in college, but they weren't free.
Yep. These programs are often priced with large discounts, but the parents still have to pay something.
Load More Replies...You could once upon a time also use the college credit to double dip for high school credit. They don't check.
Those are "dual credit" programs and they still exist. When I used them, there a cap of like 2 courses per student per semester per college though. (I was enrolled through 2 colleges simultaneously but they both had the same cap.)
Load More Replies...Ha! How do you think my generation got away with ordering those music cd's in 2000 and never paying for them?
My brother is one to always look for deals. Years ago he stumbled across this deal for movie tickets to a certain theater chain. But this was large number of tickets that were all about to expire the next day and be worthless. Sluething around online he Somehow found a way to renew all these movie Tickets at no charge. He bought $1500 worth of movie tickets for about $5. We saw so many movies that year.
You can experiment on yourself all you want and don't need legal permission to do so.
But fortunately, you are the 1 that specific results matter for. So, if I do well on medication/procedure/diet x, That's my problem solved. One of the problems with traditional studies is they don't distinguish between sub-groups in their study. So while the test may fail for most, it could be the best possible treatment for a few.
Load More Replies...Wasn’t that how the guy proved that H.pylori caused stomach ulcers?
UK focused, I have zero idea about other countries.
Paying yourself dividends from your company is taxed at 8.5% if you're a basic rate tax payer (below 33.x thousand a year), 33% when you're a higher earner. So it's sensible to pay yourself dividends instead of a wage in most cases. As someone with a full time job and 2 small businesses I operate, it has made my year to learn this. Now I can top up my pay from my job with dividends and pay less tax than if I paid myself a wage or worked more hours as my traditional job.
Presumably the OP also tales a director's salary at just below the annual allowance so they pay minimal NICs and no tax. You need some NICs so you don't miss out on the state pension, which for many of us is what we're going to have to live on. If you have a limited company (personal service vehicle) with any surplus income, you can pay some of that directly into a pension as your 'employer', which also reduces your corporation tax demand.
You still pay the same total amount of tax on the company revenue; the only actual saving is National Insurance. Yes, it's a saving, but not as much as you say. This used to be a stabdard way of working for IT consultants (including me) back in the 90s, each having their own Limited Company in order to work this way.
Then IR35 came about. Which is still a mess according to articles I read about it
Load More Replies...When I turned 18 in Louisiana, it was illegal for me to buy alcohol BUT not illegal to be sold alcohol. So everyone 18 - 20 could buy drinks no problem - and did. No problem with bars, drive through daiquiri, beer barns etc. I don't think it changed for decades or more.
If it's illegal for the bar to sell you alcohol, they can get in trouble for selling it to you, and probably won't. If it's illegal for you to buy but not for them to sell, the underage drinker is the only one who can get in trouble, not the seller, so the bar is a lot less likely to care. No liability for them.
Load More Replies...I honestly don't get it. What's the difference? Or are these two different laws that have never been adapted to each other? That I get … although it's kinda silly 😄
It's probably coz most places don't sell booze to under-age people because the owners know that they will be fined for doing so (and the under-age people also fined for buying). If you remove the first fine, then the people selling the booze won't give as many fücks who's buying it, and the people buying it are more willing to take the risk :)
Load More Replies...A cop in Toronto told me this one, and it worked. Not sure if it still works with apps. I parked on a street many years ago in Toronto with a machine to put in money and get a receipt. If you don’t pay at all, they tow your car. If you pay for 15 minutes, you get a ticket. If you have US plates on a car, the parking ticket doesn’t cross the border. .
Going back many decades it was technically difficult for police and courts to follow up foreign drivers for traffic fines. These days most countries have agreements about sharing driver information in such cases and computer systems make it easily enforceable. I don't know for sure about US/Canada but would be astonished if this sort of 'loophole' hadn't been fixed a long time ago. Oh, and aso, what hapepend next time you went to Canada and found there was a warrant out on you for the outstanding ticket?
Parking tickets are assigned to the car not a person so nothing would happen if that person was stopped in Canada at a later date. Also, in Canada there would never be a warrant for a parking ticket, the most that happens is when we go to renew our vehicle registration the next year we'd have to pay the ticket. So for anyone with plates not from Canada there would be zero repercussions... Even if you are caught a few years later in a car with the same plates I highly doubt the police would care, they might mention it and send you on your way. Our police do not get involved with such minor things like parking tickets.
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Lying on your resume is fine.
Actually now that I think about it, fraud is lying for financial gain so lying on a resume at all is fraud. A recognised crime.
It's a shame most people can't afford to sue companies for fraud - lying in their job ads, lying in the interview and then forcing all the overtime - is that not also financial gain?
Load More Replies...Eh, it's definitely not okay if you apply for a job where you need an education beyond tying your shoelaces.
Only if integrity doesn't matter to you. I'd end a relationship if I found out a partner had misrepresented themselves to look better, because someone who lies to gain an advantage or avoid trouble is dishonest and likely to do it again. This isn't really any different.
Who would want to be in a relationship with a bootlicker anyways?
Load More Replies...My wife got a red light camera ticket with her picture taken but it was issued to me since the car was registered under my name. I did some research and decided to fight it. Went to court and said the magic phrase, mistaken identity. The judge took a look at the picture and at me. Dismissed the case. .
I know this doesn't work in IL, I know a woman who was out of the country, her boyfriend denied using her car, as she did not give him permission to use it, but he got a red light ticket, she tried to fight it in court, and since her car was not reported stolen she was still liable for the ticket issued to her car.
Here it' goes so: the camera ticket and the fine goes to the owner of the car, together with a request of identify the driver, to apply the demerit points to the right driver license. If the owner doesn't identify the driver, he gets the demerit points plus another fine. The two fines procedures are disjointed things. I had a ticket cancelled for a technical error of the camera, but didn't care to identify the driver, knowing the ticket was erroneous. So, no fine for the ticket, no demerit points, but had to pay the fine for not having identified the driver :-/
Estate and Gift Tax Portability and the Deceased Spousal Unused Exclusion Let's say a very, very wealthy woman with kids doesn't want to pay estate or gift taxes when transferring her enormous wealth to her children. Right now, you can transfer $13.61 million to your kids estate and gift tax-free (there are some additional amounts I'm leaving out for simplicity), and the estate and gift tax is only on what's in excess of that. The first $13.61 million that you're not taxed on is called your estate and gift tax exemption. But this lady has $100 million plus and she doesn't want to pay estate and gift taxes on any of it when transferring it to her kids. What she can do is go find a poor geezer on his deathbed, marry him, and when he dies, she is allowed to transfer his unused $13.61 million exemption (he's poor and didn't use any of his) to herself. This transfer of the exemption is called portability. Now, she can give ~$27 million to her kids, estate and gift tax free. This is a bit of a loophole - a $5 million dollar loophole, which is the amount of tax saved by electing and using portability. But here's where the REAL loophole comes in. Your exemption is determined at the time of the gift, and the portable part is based on your last deceased spouse at the time of the gift, assuming you took the steps to transfer their exemption to yourself. So what she can do is then find and marry another poor geezer on his deathbed who hasn't used his exemption. She can then transfer his exemption to herself when he dies. Now he's her last deceased spouse. She can then gift another $13.61 million to her kids' tax-free using his unused exemption that she transferred. Rinse and repeat, and she can essentially gift unlimited amount of money to her kids, estate and gift tax-free, and the only thing slowing her down is how long it takes the poor geezers, whose estate and gift tax exemptions that she's farming, to die.
Spoken like a politician or CEO. Impressive, if you're into fraud and shady b******t
FRAUD is what your mom yelled when you were born.
Load More Replies...Have everything put into an irrevocable trust. If your car is damaged by a pot hole, go to the cities website and search for the road maintence and car repair portal and you can get reimbursement, just document and keep records.
I think in the UK councils will only do anything if the pothole in question has been reported to them. Otherwise they just say they were not aware of the pothole so tough
At one point, the easiest and quickest way to get an English pothole fixed was by using a can of spray paint, and embellishing the pothole with male genitalia. (Whilst looking for a citation for this I learned this form of pothole decoration has been used in other places too.) https://themanc.com/art-and-culture/manchester-graffiti-artist-wanksy-penis-drawings-potholes/
Load More Replies...In pothole-ridden South Africa, they've made it impossible to do this in practice. I now have pothole insurance
Not really a legal loophole but more a poorly programmed mobile app. Me and my coworkers used the subway app for our lunch, it would generate 1 coupon per day. Most of these coupons werent that great however there was a rare 50% off coupon that had like a one in 10 chance of 'spawning'. The trick was this app just checked the local device time so if you switched the date a day forward you would get a new chance. Needless to say my coworkers and I always showed up with the 50% off coupon untill they deprecated the app for a new system. Was fun while it lasted 😆.
god, learn what fraud means, he legally got the coupon. Just cause the app was poorly coded doesn't mean he broke any rules in exploiting that coding. The coupon was valid and legally generated.
Load More Replies...This is more malicious compliance, but at our old office people used to openly snack at their desks. When we changed offices, snacking was strictly prohibited outside of designated eating areas. The loophole was that I would just regularly snack by eating out of a coffee cup of trail mix.
Don't worry, Ace is here for your inane bootlicker needs!
Load More Replies...It probably came about after a slob left all their food out and an infestation occurred.
Load More Replies...I am convinced at this point that jury duty is voluntary and the legal "threats" for not showing up are completely empty. Given that nearly half of Americans just throw the summons in the trash, there is no real way for the legal system to realistically crack down on this.
A little story about jury service in my country. There was a big trial, and 60 were called for jury selection. People arrived. Some said, "I can't do it because.." and they were excused. Ten people didn't show. Once the jury was selected, the judge then instructed the clerks of court to start proceedings against everyone who failed to show. These people were then prosecuted for failure to appear after a summons by the court, and were fined. The fine is up to £1000.
If the court doesn't send the summons via certified mail, how do they prove you received it? I think that's why so many people toss theirs in the trash and don't get prosecuted.
In my county in USA some judges will issue an arrest warrant for failure to show. There is a fine. If ou can't pay it you sit in jail. So many days in jail per amount of fine.
The legal "Threat" is contempt of court and the judge can have you seized and held in custody until the contempt is rectified. Seems like a pretty c**p way to spend a weekend in lock-up because of your convictions.
Refinancing your home for more than you owe to get cash to "pay down some bills" lowers the equity in your home...thus you don't have to give your ex as must as he thought he'd get when you decided to sell it. It's only me on the mortgage and title but since *I* bought it after we were married it is a martial asset as far as my state is concerned and he was entitled to half the equity (despite paying $0 into it at all). The divorce was written that he'd get half the *current equity* when I decided to sell or $50k...whichever is lower. I had it worded that way because I wasn't about to let him take advantage of the appreciation over time because the market here has been crazy...didn't realize I was building an out for myself when I did it. I offered him $30k at the time of the divorce to buy him out but he refused saying he'd rather wait and get $50. Little does he know, that gave me time to learn a thing or two. ETA: Good grief, I didn't really expect this to see any attention or get comments back. This isn't who I am. I wish it were, but it's not. He'll, sadly, get his $50k because I'd actually feel bad and be too paranoid to pull it off. It has come up in conversations as a revenge fantasy, as someone put it, but I wouldn't actually do it. I'm not an idiot to post a real plan online. Just to further clarify who I am as a person: my fiance was rear-ended by a corporate owned snow plow this winter, it totaled his car and he was upside down on the loan since it was a new car. Everyone, including our insurance agent kept telling him/us to sue the company for s**t tons of money. We asked the company if they would settle for the balance of the payoff that he owed, plus the down payment for his new car plus an extra $500 for the hassle of it all.
The eta makes me sad. She's so needy for the approval of strangers. Just switch your computer off, love.
A prenup wouldn't help there because she bought the house after marriage.
Load More Replies...If you own a business that manufactures goods especially clothes or whatever you should have 2 companies one in the states (assuming you're american) and one in the cayman islands. Your american company will make the product then pay huge fees to your shell company on the island to use their logos on your products thus sending the majority of your money over there where you pay basically zero taxes on it and the IRS won't be able to do s**t about it since all that money is in an offshore account.
And no one seems offended or cries " fraud" as long as it's " companies " It's just business, right?
most of these are not legally considered fraud at all. This one, for example, is tax avoidance - which is pretty much a legal version of tax evasion. None of what the business is doing is illegal so cannot be considered fraud. Unethical, selfish, greedy, fücked up and a bunch of other things, yes. But unfortunately, not fraud. I say unfortunately coz, if it were fraud, then something could be done about it. But these are literally legal loopholes designed for rich people to make even more money and the poor schmucks like us to pay more taxes to make up for it.
Load More Replies...I used to work for a company that had you clock in and out with a time card and would always round you up or down to the nearest 15 minutes. So if you clocked in at 7:52 you would get logged in at 7:45, whereas if you clocked at 7:53 you would get logged in at 8:00. I soon realized that if I timed it perfectly, I could get credit for 42 minutes of overtime a day that I technically didn't work, which adds up to a pretty penny over time. Never got caught, but did eventually get told to stop working "so much" overtime.
Vitamin water once ran a coupon for $1 off/bottle. Nothing saying it couldn't be combined or stacked. With a little PS finesse, some balls, and apathetic cashiers, we were able to stock up on cases of the things - think 50+. (Even had a cashier once give change for buying the store's entire lot.) Yeah, underhanded/illegal/immoral, whatever; multimillion-dollar company or us being able to get buy on what meager income we had at the time.
I once got my license plate stolen off my scooter. So I got a new plate with the same numbers/letters, but with a tiny 1 on it. Got some tickets (I was not aware that I could not drive it underneath the Rijksmuseum). So when the tickets came, I told them it must have been the people who stole the first plate. Never paid those tickets and obeyed the rules after that, since I was now aware I was not allowed to drive there..
THIS ARTICLE WAS SO MUCH FRAUD AND THE AUTHOR WAS FRAUD AND THE SOURCE IS FRAUD AND EVERYONE NAMED ALEXANDER IS COMMITTING FRAUD AND EVERYONE WHO READ THE ARTICLE IS COMMITING FRAUD AND BORED PANDA IS FRAUD AND BP'S FOUNDER IS FRAUD AND FRAUD FRAUD FRAUD! (big ol' /S)
I used to work for a company that had you clock in and out with a time card and would always round you up or down to the nearest 15 minutes. So if you clocked in at 7:52 you would get logged in at 7:45, whereas if you clocked at 7:53 you would get logged in at 8:00. I soon realized that if I timed it perfectly, I could get credit for 42 minutes of overtime a day that I technically didn't work, which adds up to a pretty penny over time. Never got caught, but did eventually get told to stop working "so much" overtime.
Vitamin water once ran a coupon for $1 off/bottle. Nothing saying it couldn't be combined or stacked. With a little PS finesse, some balls, and apathetic cashiers, we were able to stock up on cases of the things - think 50+. (Even had a cashier once give change for buying the store's entire lot.) Yeah, underhanded/illegal/immoral, whatever; multimillion-dollar company or us being able to get buy on what meager income we had at the time.
I once got my license plate stolen off my scooter. So I got a new plate with the same numbers/letters, but with a tiny 1 on it. Got some tickets (I was not aware that I could not drive it underneath the Rijksmuseum). So when the tickets came, I told them it must have been the people who stole the first plate. Never paid those tickets and obeyed the rules after that, since I was now aware I was not allowed to drive there..
THIS ARTICLE WAS SO MUCH FRAUD AND THE AUTHOR WAS FRAUD AND THE SOURCE IS FRAUD AND EVERYONE NAMED ALEXANDER IS COMMITTING FRAUD AND EVERYONE WHO READ THE ARTICLE IS COMMITING FRAUD AND BORED PANDA IS FRAUD AND BP'S FOUNDER IS FRAUD AND FRAUD FRAUD FRAUD! (big ol' /S)

