In which @Minkovsky applies for a student loan
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That can happen on any unsecured loan though, right? Usually courts are involved first, but it can happen.
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Yes, but the collection amount would have to be worth the effort of going through the entire process.
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Well true. But it's not a special property of student loans the way being undischargeable is.
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Your wages and tax refund can be garnished, if you consider that seizure of property.
Does a gross salary ever really count as “entirely yours” in the first place? It's pretty much always going to have impairments of some kind involved. Student loans are therefore much more like a graduate tax than a loan of any kind.
Must be tired. Was writing “loads” for ‘loans’…
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Or they can access your online statements for an account number, and use echecks
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Does a gross salary ever really count as “entirely yours” in the first place? It's pretty much always going to have impairments of some kind involved.
"Salary Sacrifice" (personal pension fund contributions deducted before any of the normal tax calculations for wages are applied) in the UK could be considered as such.
Pedantically it's (largely) tax deferral, but 25% of the fund can be withdrawn tax-free at 55 (which is another aspect of 'entirely yours' which could be disputed .)
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"Salary Sacrifice" (personal pension fund contributions deducted before any of the normal tax calculations for wages are applied) in the UK could be considered as such.
Yes, it gets complicated. However it's simplest to regard as ones own the actual net payment, post tax and post the other payroll-level deductions. That's undercounting, but it's stuff you can actually invest in blackjack, hookers and blow…
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That's undercounting, but it's stuff you can actually invest in blackjack, hookers and blow…
I dunno - I could, if I wish, invest my pre-tax sacrificed wages in such things:
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If an account number is really all it takes, we're all fucked anyway.
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Knowing a banks routing number (public knowledge) and a users account number is all it takes to set up an echeck / automatic debits on any site that accepts that method of payment. There are several ways to turn that info into cash directly too.
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"Salary Sacrifice" (personal pension fund contributions deducted before any of the normal tax calculations for wages are applied) in the UK could be considered as such.
We got paid (pretty decent) bonuses on the pay day just gone. The option exists to just pay it into our pensions and skip the tax by doing so.
It's a tough decision between paying 52%ish of it to tax (PAYE + NI) and then a chunk of student loan, or skipping all that but not getting to touch it for 35ish years.
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As a bonus WTF, the password creation screen somehow inhibit's Chrome's "It looks like you're creating a password" popup which I quite like
Starting the thread late, no time to look for .
This is probably deliberate. Security people don't like that and tell you you should disable that on the tag with an attribute I can't remember.
does not permit me to fucking paste in the password if I generate it somewhere else.
Sometimes you can get around that in a different way (e.g., right-click|paste instead of ^V).
Linux hardware
Don't you mean Lunix hardware?
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On a computer, the interaction is exactly the same as 3 text boxes.
They're evil when they're some kind of weird monstrosity that prevents me from tabbing into them. I forget which site does that, but when I try to type my address, the state is a dropdown, and you HAVE to click on it and scroll to your state, instead of tab[1] T .
Why isn't there a tab-key emoji?
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They're evil when they're some kind of weird monstrosity that prevents me from tabbing into them
Yeah, that'd be fucking annoying.
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␉ or ⇥ not good enough for you?
Nope, because I didn't know about them. I was looking for something along the lines of :tab: or :fa_tab: or something.
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right-click|paste
Not in the registration form. Oddly, the login form does not face the same restriction and does in fact let me use Chrome's password manager. Very discoursistent.
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It's a tough decision between paying 52%ish of it to tax (PAYE + NI)
Even better if you can get your company to donate the 13.8% that they would otherwise have paid on the amount sacrificed - it's revenue neutral for them.1
Unless of course they simply pocket it2
1 - On my old scheme I sacrifice £1,000/month of salary - employer adds £138. That £1138 into my pension drops my net pay by (i.e. costs me) £635/month.
2 - which is what my employer had done with the new scheme, which is why I'm only sacrificing 2% of salary in order to get the matching 4% that they contribute. That 4% has been 'paid' for by withholding 2% of a 3% pay rise one year, and not giving a pay rise at all last year.
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I put in 2% (which get's a matching 2% from the company) because the amount can only be changed once a year, and every time it comes around I forget about increasing it.
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Doesn't HR Do Their Job© and send a mail out warning you when the change window is about to open?
What's the highest they'd match?
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Doesn't HR Do Their Job© and send a mail out warning you when the change window is about to open?
Yes - but all the other benefits etc that can be changed yearly are on an internal system, and the pension is on an external system so I always forget to go there too.
What's the highest they'd match?
10% IIRC.
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You're throwing away 8% of your salary - can you not ask for an exemption for change since it's clearly been longer than a year since it was last changed?
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You're throwing away 8% of your salary
Yup.
can you not ask for an exemption for change since it's clearly been longer than a year since it was last changed?
No - they're inflexible with stuff like that.
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In that case, there is no need to break into the e-banking account. How come noone is running around, screaming in panic (I'm only half-joking)?