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Thread: I'm about sick of this!

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    God/dess Kylea2's Avatar
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    Default I'm about sick of this!

    The back story to this is that I had applied for a CC when I was 18 and was denied. Someone hacked the CC company's database and approved all the card applications that had been denied, then charged them for $1 each. So I know how easily that information can get hacked and passed around after dealing with that mess. This stupid $1 charge is still on my credit report and I can't get it taken off, the company went out of business from this, and I'm left feeling I don't trust passing my personal information around online.

    So here's the current story:

    I've got something I need to pay via PayPal and the money is already in the account, but apparently my account is "unverified" because I never linked it to a CC or bank account. So PayPal won't let me pay with an unverified account, and I don't want to give them bank or CC info. Duh! Can you blame me? I've already encountered long term problems from a hacker!

    I got to thinking maybe I could get verified with anonymous pre-paid CC so I could send the money... but now I am researching and the government even wants SSN for some of those reloadable pre-paid cards! WTH? it's like the government is out to make sure all these private businesses collect your personal information, with no regard to the fact that people abuse the systems through hacking etc!

    I'm really disliking our government right now...
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    Default Re: I'm about sick of this!

    WTH? it's like the government is out to make sure all these private businesses collect your personal information, with no regard to the fact that people abuse the systems through hacking etc!

    I'm really disliking our government right now...

    This is the direct outgrowth of A. the 'subprime' loan debacle now requiring lenders to verify incomes and source of down payments for would-be borrowers, B. anti-money laundering treaty requirements supposedly meant to track the financing of terrorists / criminals, and C. an ever-expanding interest by the IRS and state/local income tax agencies to automatically 'track' personal financial transactions for tax enforcement purposes ( with particular interest in internet based transactions / international transactions / cash transactions ).

    Also, as a dancer, you may be interested in this little tidbit. While it hasn't received much publicity, the US congress recently approved a special budget appropriation to the IRS for the specific purpose of setting up a special 'task force' targeting tax enforcement in the area of Adult businesses. Thus things are going to get 'worse' instead of better.

    For what it's worth, Obama is in the process of appointing a 'Cyber Czar', whose supposed reason for existance is to co-ordinate major improvements in financial transaction security. Of course the conspiracy theorists would point out that while part of the plan involves security improvements that will make 'outsider' access to personal financial info more difficult, the same security improvements are likely to make 'government' access to personal financial info easier !

    As has been speculated about for decades, the day is fast approaching where having cash will mean next to nothing ! Unless the gov't has a record of how money was earned in the first place, and that appropriate taxes were paid, the day will come when 'undocumented' cash money will become unspendable.

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    Default Re: I'm about sick of this!

    Quote Originally Posted by Melonie View Post
    Also, as a dancer, you may be interested in this little tidbit. While it hasn't received much publicity, the US congress recently approved a special budget appropriation to the IRS for the specific purpose of setting up a special 'task force' targeting tax enforcement in the area of Adult businesses. Thus things are going to get 'worse' instead of better.
    I knew about that actually... probably from one of the posts you made.


    Quote Originally Posted by Melonie View Post
    As has been speculated about for decades, the day is fast approaching where having cash will mean next to nothing ! Unless the gov't has a record of how money was earned in the first place, and that appropriate taxes were paid, the day will come when 'undocumented' cash money will become unspendable.
    I know that's what it's coming to. I totally envy you for "getting the hell out of dodge" while you still can.
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    Banned Melonie's Avatar
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    Default Re: I'm about sick of this!

    ^^^ trust me, I wish that the current conditions did not exist which created such a strong motivation for me to become an ex-pat. But the handwriting on the wall couldn't be clearer ( in the short term at least). The US federal gov't, and the New York state gov't, have essentially refused to reduce gov't spending levels in any meaningful way. In fact, federal and state gov't spending levels are rising ... at the very same time that tax revenues are falling. So far the only types of action at both the federal and NY state level have been to attempt raising taxes in any manner they think is politically palatable. This really boils down to two major types of tax increases ... increasing the income tax on the 'rich', which actually means increasing income taxes on a single person earning more than $100k per year ... and increasing 'stealth' taxes everywhere you turn, from cell phone tax to utility bill tax to sales tax to tobacco/alcohol tax, to taxing diet Coke !

    While my own case isn't completely analogous (mostly because of the age difference), in many ways my own situation mirrors that of mainstream 'retirees'. Like mainstream retirees, I worked my ass off for many years in order to build up a nest egg to fund my retirement. And like mainstream retirees, it's really impossible for me to 'pick up where I left off' in terms of going back to 'work'. Thus like mainstream retirees, I'm heavily dependent on making sure that my investment nest egg continues to generate sufficient net passive income to fund my retiree 'lifestyle'.

    The level of net passive income available is of course directly proportional to the tax rates applied to the gross income. With the changes being talked about in Washington and Albany, it's highly likely that I'd be looking at a 33% federal tax rate plus an 8% NY tax rate, on top of a 9% NY sales tax rate ... meaning that 50% of every dollar of 'ordinary income' I earned would wind up going to the gov't and not to meet my own retirement needs. This was the proverbial 'straw that broke the camel's back'. And unlike some of the 'rich' folks, I couldn't afford to purchase and maintain a second home in a low tax rate state, I couldn't afford to pony up $50k or $100k at a whack to purchase tax free gov't bonds, I couldn't afford a vacation to Lichtenstein with a brief stop at the local bank ( carrying a purse full of cash ), and I don't have a large enough nest egg to be considered a 'qualified investor' by UBS / Cayman Island hedge funds etc. such that my offshore investment earnings would be relatively safe from the prying eyes of the IRS.

    So unlike the 'rich' folks, I can't 'have my cake and eat it too' i.e. continuing to live in the USA while continuing to escape having to actually pay higher real tax rates. The 'price' I'm required to pay to legally escape 50% taxation is not being able to see friends and family in NY more than 35 days per year ! Obviously I'm not altogether happy knowing truly 'rich' New Yorkers who maintain a second home and legal residence in zero state tax Florida, who have been able to purchase $100k priced NY Housing Authority bonds paying 8% tax free interest, who have been able to purchase a partnership in a NY wind farm ( and receive $100's of thousands of dollars worth of green 'production tax credits' which they apply dollar for dollar against taxable income from other sources), who still maintain offshore stock/bond trading accounts ( with essentially zero risk that these offshore earnings will ever be picked up on by the IRS) etc. But this is the reality ( or should I say the hypocrisy) of the gov'ts 'tax the rich' policy !

    ~
    Last edited by Melonie; 05-29-2009 at 10:50 PM.

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    Default Re: I'm about sick of this!

    Quote Originally Posted by Melonie View Post
    This is the direct outgrowth of A. the 'subprime' loan debacle now requiring lenders to verify incomes and source of down payments for would-be borrowers, B. anti-money laundering treaty requirements supposedly meant to track the financing of terrorists / criminals, and C. an ever-expanding interest by the IRS and state/local income tax agencies to automatically 'track' personal financial transactions for tax enforcement purposes ( with particular interest in internet based transactions / international transactions / cash transactions ).

    Also, as a dancer, you may be interested in this little tidbit. While it hasn't received much publicity, the US congress recently approved a special budget appropriation to the IRS for the specific purpose of setting up a special 'task force' targeting tax enforcement in the area of Adult businesses. Thus things are going to get 'worse' instead of better.
    How are things getting worse? Everyone should pay the taxes they are properly required by law to pay. I've read where you have advocated this very thing many times. This is an example of things getting better.

    For what it's worth, Obama is in the process of appointing a 'Cyber Czar', whose supposed reason for existance is to co-ordinate major improvements in financial transaction security. Of course the conspiracy theorists would point out that while part of the plan involves security improvements that will make 'outsider' access to personal financial info more difficult, the same security improvements are likely to make 'government' access to personal financial info easier !
    Again, how is this bad?

    As has been speculated about for decades, the day is fast approaching where having cash will mean next to nothing ! Unless the gov't has a record of how money was earned in the first place, and that appropriate taxes were paid, the day will come when 'undocumented' cash money will become unspendable.
    "Having cash will mean next to nothing" as a means to evading taxes? This is a good thing....right Mel?

    I don't understand why virtually all of your speculations are about how things are going to get worse for strippers or tax paying citizens in general. When you don't actually know what is going to happen, can you not come up with the odd positive speculation? Like, strippers and taxpayers lives may actually improve as we go along!

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    Default Re: I'm about sick of this!

    When I got my PayPal account I didn't want to give them my Bank info ether. What I did was open a free checking account just for PayPal. It has worked for me and I never keep more then a few hundred dollars in it.

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    Default Re: I'm about sick of this!

    I cannot blame you one bit. In fact, I think PayPal accounts can't be verified with a prepaid CC anyway (uless they've changed the rules?). I have a horror story about PayPal and I would not trust them with my information ever again. I have also heard many stories of employees stealing customers' information because they don't keep our information secure at all. rom what I hear, they don't even properly screen their employees...

    Can you pay with a money order instead?

    I know this is no help to you whatsoever, but just a little reinforcement not to trust them! Good Luck!

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    Default Re: I'm about sick of this!

    Quote Originally Posted by Kylea2 View Post

    I got to thinking maybe I could get verified with anonymous pre-paid CC so I could send the money... but now I am researching and the government even wants SSN for some of those reloadable pre-paid cards! WTH? it's like the government is out to make sure all these private businesses collect your personal information, with no regard to the fact that people abuse the systems through hacking etc!

    I'm really disliking our government right now...
    Those Wal-Mart prepaid Visa's are easy. I didn't have to give any personal information with it.

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    Default Re: I'm about sick of this!

    Quote Originally Posted by Axiom View Post
    I cannot blame you one bit. In fact, I think PayPal accounts can't be verified with a prepaid CC anyway (uless they've changed the rules?). I have a horror story about PayPal and I would not trust them with my information ever again. I have also heard many stories of employees stealing customers' information because they don't keep our information secure at all. rom what I hear, they don't even properly screen their employees...

    Can you pay with a money order instead?

    I know this is no help to you whatsoever, but just a little reinforcement not to trust them! Good Luck!
    Would you mind telling me your PayPal horror story?
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    Default Re: I'm about sick of this!

    Quote Originally Posted by Melonie View Post
    The level of net passive income available is of course directly proportional to the tax rates applied to the gross income. With the changes being talked about in Washington and Albany, it's highly likely that I'd be looking at a 33% federal tax rate plus an 8% NY tax rate, on top of a 9% NY sales tax rate ... meaning that 50% of every dollar of 'ordinary income' I earned would wind up going to the gov't and not to meet my own retirement needs.
    ~
    There's no possible way you're paying 33% of your income in federal income tax. If you're making $1 million a year, you're only paying 32%. To even reach the 33% tax bracket, you need to make $171k. If you're income is coming from dividends or capital gains, your rate is 15%. All of these conservatives who complain about how high taxes are now have no idea what high taxes are. In the 1950's the top tax rate was 90% and before Ronald Reagan was President, the highest tax rate was 70%. It's 1/2 that today.

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    Default Re: I'm about sick of this!

    Kylea you can PM me on this if you want but I used a company that did credit repair for me (very cheap) and they do all US states- and it actually worked. The shit is though The very second the bad stuff came off I was slammed with THREE charges in Cali. Like they were waiting for my score to go up to strike. Yes it was easy to get off as I can prove I was here in Fla on the day in question, but what the hell? ID theft has become SO rampant!
    Last edited by Gia2608; 05-30-2009 at 11:16 PM. Reason: I fail miserably at spelling
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    Default Re: I'm about sick of this!

    ^^^ Gia, my credit score isn't the problem - I'm over an 800. It's just the fact that I really need to be able to use Paypal and they want to link everything to so much personal information that I don't want to give when I already know that the online stuff isn't always safe.

    Thanks for the offer though.
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    Default Re: I'm about sick of this!

    There's no possible way you're paying 33% of your income in federal income tax. If you're making $1 million a year, you're only paying 32%. To even reach the 33% tax bracket, you need to make $171k. If you're income is coming from dividends or capital gains, your rate is 15%
    This is precisely why I chose the words 'highly likely' ... as in it is highly likely that Obama will allow the GWB tax cuts to expire next year. When that occurs, the top personal federal income tax rate will go to 39.6% and the $100k rate will go to 33%. Then add on the already announced 7% NY state personal income $100k tax rate, the already in effect NYC 3% income tax rate, and an already in effect NY sales tax rate of 9% !

    On the long term capital gains side, it is also 'highly likely' that Obama will increase the current 15% tax rate to 20% as proposed during his campaign. Additionally, it is not beyond the realm of possibility that other measures regarding removal of funds from US borders will be enacted as the tax exodus situation worsens. One proposal already floated was to charge any American wishing to take their investments out of the country a pre-emptive capital gains tax ( which would apply regardless of whether the investments were actually sold or merely transferred to a foreign brokerage account).


    "Having cash will mean next to nothing" as a means to evading taxes? This is a good thing....right Mel?
    As a matter of personal opinion ... a limited yes. The limited issue stems from gov't intruding on the privacy of a person's individual financial affairs. However, as a matter of business reality in the exotic dancing industry, I'm certain that the vast majority of dancers would disagree with you. The vast majority of real world exotic dancers have no clue to the fact that in a high tax rate state like NY they actually owe more than 50 cents of every gross dollar earned in self-employment tax and federal/state/local income tax.

  14. #14
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    Default Re: I'm about sick of this!

    Quote Originally Posted by Earl_the_Pearl View Post
    When I got my PayPal account I didn't want to give them my Bank info ether. What I did was open a free checking account just for PayPal. It has worked for me and I never keep more then a few hundred dollars in it.
    I did the same thing. I keep $10 in it... if I need to purchase something through PayPal I go to the bank and deposit the needed cash. That way if someone hacks PayPal they aren't going to get sh*t from me.

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    Default Re: I'm about sick of this!

    That's a good idea too put I think her prob was not wanting to establish the pay pal account in the first place, why not just do a pre-paid credit card for whatever it is you were going to buy with Pay-Pal? You can buy an p-paid Visa or Amex at Walgreen's these days!
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    Default Re: I'm about sick of this!

    Quote Originally Posted by Melonie View Post
    This is precisely why I chose the words 'highly likely' ... as in it is highly likely that Obama will allow the GWB tax cuts to expire next year. When that occurs, the top personal federal income tax rate will go to 39.6% and the $100k rate will go to 33%. Then add on the already announced 7% NY state personal income $100k tax rate, the already in effect NYC 3% income tax rate, and an already in effect NY sales tax rate of 9% !

    On the long term capital gains side, it is also 'highly likely' that Obama will increase the current 15% tax rate to 20% as proposed during his campaign. Additionally, it is not beyond the realm of possibility that other measures regarding removal of funds from US borders will be enacted as the tax exodus situation worsens. One proposal already floated was to charge any American wishing to take their investments out of the country a pre-emptive capital gains tax ( which would apply regardless of whether the investments were actually sold or merely transferred to a foreign brokerage account).
    Obama is only going to let the Bush tax cuts expire for income over $250k. An individual earning $100k, with no deductions pays approximately 22% of their income in fed. income tax. If you add the 15% payroll taxes and 10% for New York State and City taxes, it comes to 47%. The state taxes are tax deductible. I'm not sure about the city taxes. That would reduce the fed. income tax percentage by approximately 2 percent. That's probably the highest taxes will go, since there are no payroll taxes on income above $100k. In addition there are a number of other tax deductions that can be taken, especially if you're self-employed. I would estimate that someone who is self-employed in New York City, earning $100k, would probably pay around 40% of their income in Federal, state, and city income and payroll taxes after their deductions.

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    Default Re: I'm about sick of this!

    Quote Originally Posted by Kylea2 View Post
    The back story to this is that I had applied for a CC when I was 18 and was denied. Someone hacked the CC company's database and approved all the card applications that had been denied, then charged them for $1 each. So I know how easily that information can get hacked and passed around after dealing with that mess. This stupid $1 charge is still on my credit report and I can't get it taken off, the company went out of business from this, and I'm left feeling I don't trust passing my personal information around online.

    So here's the current story:

    I've got something I need to pay via PayPal and the money is already in the account, but apparently my account is "unverified" because I never linked it to a CC or bank account. So PayPal won't let me pay with an unverified account, and I don't want to give them bank or CC info. Duh! Can you blame me? I've already encountered long term problems from a hacker!

    I got to thinking maybe I could get verified with anonymous pre-paid CC so I could send the money... but now I am researching and the government even wants SSN for some of those reloadable pre-paid cards! WTH? it's like the government is out to make sure all these private businesses collect your personal information, with no regard to the fact that people abuse the systems through hacking etc!

    I'm really disliking our government right now...

    If it's something cheap just go to Wal mart or a grocery store and buy a VISA or Mastercard giftcard. I use those on Paypal all the time.

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    Default Re: I'm about sick of this!

    Quote Originally Posted by Gia2608 View Post
    ID theft has become SO rampant!
    That ticks me off. Why is the innocent party held accountable for a theft? What about the seller that did not properly check for fraud? They get to keep the money so have no incentive to stop it.

    I now return you to your regular topic.

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    Default Re: I'm about sick of this!

    Quote Originally Posted by Gia2608 View Post
    That's a good idea too put I think her prob was not wanting to establish the pay pal account in the first place, why not just do a pre-paid credit card for whatever it is you were going to buy with Pay-Pal? You can buy an p-paid Visa or Amex at Walgreen's these days!
    But you dont need to give your ss number or personal information to open a PayPal account... unless they changed the rules.

    I think the main problem people have with PayPal is having a direct link to their bank accounts thus their money (theft via PayPal happens) - the way around that is what I put above - an account specifically for PayPal.

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    Default Re: I'm about sick of this!

    ^^^ They want a bank account or CC # to "verify" you on PayPal. I'm going to pick up a pre-paid card tomorrow and see if it works so I don't have to link it to any of my real cards.
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    Default Re: I'm about sick of this!

    I would estimate that someone who is self-employed in New York City, earning $100k, would probably pay around 40% of their income in Federal, state, and city income and payroll taxes after their deductions.
    OK fine whatever - not worth the argument ... since when you add on a 9% NY sales tax plus various 'stealth' state taxes on gasoline, utility bills, cell phone bills, soda, alcohol etc. and you're still way over my 50% 'line in the sand' i.e. more than 50 cents of every gross dollar I would have earned in New York going to taxes in one form or another !


    They want a bank account or CC # to "verify" you on PayPal. I'm going to pick up a pre-paid card tomorrow and see if it works so I don't have to link it to any of my real cards.
    Yes this is precisely the reason that PayPal is now asking for SS numbers, bank / CC account numbers etc. As a 'funds broker', PayPal is bound by the same new anti-money laundering account holder ID and verification requirements are regular banks. So while setting up a new prepaid CC account will minimize the risk of financial loss if and when PayPal account info is hacked, it does nothing to preserve the privacy of your identity info which is also stored on the same hackable servers !

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    Default Re: I'm about sick of this!

    ^^^ So far they haven't asked for my SS #. Although I was wondering about that since I knew the banks were now required to collect it. Do you know what stage they normally ask for the SS #? I wonder if they do that when you go to verify?
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    Default Re: I'm about sick of this!

    ^^^ at the point when you actually want to 'spend' / 'withdraw' money held in an account ... up until that point they are perfectly content to earn a 'spread' on YOUR money without verification !

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    Default Re: I'm about sick of this!

    ^^^ LOL Go figure, right?
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    Default Re: I'm about sick of this!

    Quote Originally Posted by Melonie View Post
    OK fine whatever - not worth the argument ... since when you add on a 9% NY sales tax plus various 'stealth' state taxes on gasoline, utility bills, cell phone bills, soda, alcohol etc. and you're still way over my 50% 'line in the sand' i.e. more than 50 cents of every gross dollar I would have earned in New York going to taxes in one form or another !
    Is your income coming from a business or investments? If your income is coming from investments, you don't have to pay the 15% payroll tax.

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