Living in Vegas rant
You have a hot car you say is fully paid for.
You have a large wad of cash.
You have no employment history.
You have no tax returns.
You have no credit history.
You have no family members with you.
You're trying to live in Las Vegas.
What am I supposed to think?
In MY experience, you're either a gambler or a drug dealer/runner.
If a gambler, one night on tilt and your bankroll is gone. Then where's my rent?
If a drug guy, I've let a dealer into my complex, which is a whole range of other problems.
Even with good credit, rental history, and job record, I still require first, last, security deposit from them, which is around 3 months in advance most places. If they skip, or do damage to my property that's worth a hundred thousand or more, I have some hope of recovery. With you, throw one wall-breaking, toilet-stopped flooding, piss-on-carpets fit, and you're in the wind.
Your entire profile indicates a risk not worth taking under normal rental processes. Doesn't matter what YOU say you will do. What matters is the 100 guys before you that meth'ed up Building K, which had to be torn down, or trashed Unit 1, requiring 20k to rehab, or otherwise had to be evicted, or skipped.
I don't know why you can't see that it's not even personal. You allow yourself to fit a profile that makes you an undesirable tenant. So you represent an unacceptable level of risk, even if you yourself are the outlier in that profile.
I'm not sure why you're even looking at corporate complexes. You would be much better off finding landlords who live in a home with a guest house or a mother-in-law suite, advertising on Craigslist. You present well in person; you should be able to find someone who will take a chance on you that way.
DRich made you a good offer. Rolling 6 mo with a lot of notice when you're ready to leave should be doable. Let him help you - he's good people.
Quote: FinsRuleZenKing,
I have read the whole thread and I understand what you're saying. It's not fair.
But there's many many many things that are not fair.
I have to judge people for a living. Who will make the best employee? Let's say I'm hiring a cashier at Walmart. Who will I hire? The person who worked across the street for the last 10 years at Walgreens or the person who just got out prison? Well, probably the person who just worked at Walgreens. But guess what, that person could just be awful, but has survived the last 10 years over there, and the ex-con might be the best cashier of all time.
People have to make judgements. The landlords have found over time that someone with a steady job is more likely to keep paying rent than someone who does not. Are they always right - no.
Also - people with a steady job who are fired, are probably receiving unemployment compensation for 6 months.
I understand what you're saying, but the thing is, I have 1 year of perfect rental history that can be verified multiple ways. So not only do I have more than they want for rent, which is also liquid, and not future earnings, i also have a rental history where I never missed ONE PAYMENT so your analogy really isnt apples to apples. Not to mention my whole LIFE, I never owed a dime to ANYONE, never had an eviction, which all can be verified as well. You don't need a credit card to verify that.
Quote: beachbumbabsSo. I'm the rental agent. You, ZK, comes to my complex for an apartment.
You have a hot car you say is fully paid for.
You have a large wad of cash.
You have no employment history.
You have no tax returns.
You have no credit history.
You have no family members with you.
You're trying to live in Las Vegas.
What am I supposed to think?
In MY experience, you're either a gambler or a drug dealer/runner.
If a gambler, one night on tilt and your bankroll is gone. Then where's my rent?
If a drug guy, I've let a dealer into my complex, which is a whole range of other problems.
Even with good credit, rental history, and job record, I still require first, last, security deposit from them, which is around 3 months in advance most places. If they skip, or do damage to my property that's worth a hundred thousand or more, I have some hope of recovery. With you, throw one wall-breaking, toilet-stopped flooding, piss-on-carpets fit, and you're in the wind.
Your entire profile indicates a risk not worth taking under normal rental processes. Doesn't matter what YOU say you will do. What matters is the 100 guys before you that meth'ed up Building K, which had to be torn down, or trashed Unit 1, requiring 20k to rehab, or otherwise had to be evicted, or skipped.
I don't know why you can't see that it's not even personal. You allow yourself to fit a profile that makes you an undesirable tenant. So you represent an unacceptable level of risk, even if you yourself are the outlier in that profile.
I'm not sure why you're even looking at corporate complexes. You would be much better off finding landlords who live in a home with a guest house or a mother-in-law suite, advertising on Craigslist. You present well in person; you should be able to find someone who will take a chance on you that way.
DRich made you a good offer. Rolling 6 mo with a lot of notice when you're ready to leave should be doable. Let him help you - he's good people.
I don't know where you got I have no employment history. Regarding credit history, I DO have credit history, you dont need a credit card to have credit history. Look at all the rental payments or a background check through my social security number or w.e to see if I have any debt, evictions, or ever missed a payment for anything. Regarding being a drug dealer, look at my criminal history and see if I ever did anything, which is as clean as anyone ever could be, I dont even drink or smoke, let alone ever done meth or crack.
All I'm going to say is not only do casinos have no idea what they're doing, I've quickly learned these corporate complexes are also completely lost. Both of them would be wise to have me as an advisor, but I rather not waste my time with either of them, Ill let them suffer the consequence of being idiots, I have no pity for droned out people.
Quote: ZenKinG... but every single apartment I contact, they want paystubs or proof of income etc. I tell them I have the money and if I can just show them the bank statements with 3x the rent and maybe pay a couple of months upfront. They agree bank statements can work, but I would need to pay the whole 12 month lease upfront. If I want a 3 or 6 month lease, they shoot up the price so it's not even the same price anymore. Of course I can pay it all upfront, but that is completely unfair for me to do so and there should be some meeting of the minds between both parties.
Landlords have to evaluate their risks, just as you do when playing Blackjack.
From an owner's point of view, you are a bad bet.
I own apartments here in NYC, where the laws are written to favor squatters. It’s probably the same in Vegas. My tenants are better off than most, but I still require a high credit score and a letter of recommendation from their previous landlord, as well as a letter from their employer, and a long employment history, because if a tenant fails me, it will take eighteen months in court, and $7K to $9K in lawyer fees before a judge will boot them. I will also lose at least eighteen months of rent.
I will not even accept a full year in advance against a bad credit score.
You might consider Airbnb as Rooster suggested. I know someone in a nearly identical situation as you who has been doing that for the past two years. No credit card. Low credit score. Self employed successful crypto currency trader.
Quote: TankoLandlords have to evaluate their risks, just as you do when playing Blackjack.
From an owner's point of view, you are a bad bet.
I own apartments here in NYC, where the laws are written to favor squatters. It’s probably the same in Vegas. My tenants are better off than most, but I still require a high credit score and a letter of recommendation from their previous landlord, as well as a letter from their employer, and a long employment history, because if a tenant fails me, it will take eighteen months in court, and $7K to $9K in lawyer fees before a judge will boot them. I will also lose at least eighteen months of rent.
I will not even accept a full year in advance against a bad credit score.
You might consider Airbnb as Rooster suggested. I know someone in a nearly identical situation as you who has been doing that for the past two years. No credit card. Low credit score. Self employed successful crypto currency trader.
Sadly, you don't know what you're doing either and while I respect you for the time you took to reply and give advice, you're simply wrong. If I owned apartments, only 3 things matter to me. Do you have money? Rental history? Have you ever been convicted of a crime? Those 3 questions tell me everything I need to know about the person, of which actually matters towards being a good reliable tenant. Quick, easy, and to the point. Even if they don't have a lot of money, have they ever missed a rental payment or owed anyone money and not paid? Watch how many more tenants I get then every other apartment as well as how much more successful tenants I get. I'd probably outperform 95% of all apartments in the country dollar for dollar. Employment questions should never be asked, that's completely irrelevant to the big picture. Show me how their history of actually having money with them and how they handled it, especially when it comes to paying rent.
Quote: EvenBobWhy does having a job mean you're
not a deadbeat? In fact, most deadbeats
have jobs. Why do people think having
a job means you'll pay your rent on time.
Looking at how you pay your current
creditors is how you judge if somebody
will probably pay you. It how you judge
a potential employee, or home buyer.
It's how you judge the character of a
marine recruit. If they can't even pay
their bills, why would you trust them
with anything.
If an employer wants my credit history(they already have my damn work history, contact/references) I’m telling them to go f*ck themselves and have 1 ounce of respect for employee privacy. It is an indicator of what they think of and level or lack of respect for employees that is a core part of the company mindset in general to me. Probably why I’ve been self employed half my adult life I guess. Home ownership or rental makes sense. Employer that is crossing the line. I know it’s common.
When I put up a property for rent, I had to sift through who knows how many emails, phone calls, and texts from all these crazy people. One dude's saying something like, "Yo homie, I don't really got a job, ya know? But if you hit up my boi Turbo, he'll vouch for me, I bring in that mad cheddar, dog." Uhh, no, IDGAF -- I ain't renting to someone who I think is overly risky, unless they're willing to put up a substantial amount of money to equalize the risk.
Same thing applies to people's incomes. If someone's making $2k/mo, I'm not renting them a place for $1300....it's just not going to happen. Sure, I might lose out on some time in between renters, but ideally, I'm looking for someone with a stable job, makes at least 3x their rent in income, and will be there for a long time. I'd rather lose out on extra 1 month of rent right now if it meant I'd get a good renter who'd stay there for 5+ years and is going to pay on time and not mess everything up. I don't want someone who's likely only going to stay for 6-12 months. It costs time and money to get an old tenant out and new tenants in.
Now let's say I'm just a regular dude who doesn't know anything about advantage play. In my mind, gambling isn't a profession, you either get lucky and win or you lose like you're supposed to. And at the end of the day, the house always wins. So why should I rent a place to someone who gambles "for a living"? Would YOU rent a place to someone who says he has a magic system and can beat baccarat or roulette everyday?
Quote: RogerKintYou may, or may not, die happy but are you living happy?
Oh I thought that quote was from Linda Lovelace.
Quote: ZenKinGSadly, you don't know what you're doing either and while I respect you for the time you took to reply and give advice, you're simply wrong. If I owned apartments, only 3 things matter to me. Do you have money? Rental history? Have you ever been convicted of a crime? Those 3 questions tell me everything I need to know about the person, of which actually matters towards being a good reliable tenant. Quick, easy, and to the point. Even if they don't have a lot of money, have they ever missed a rental payment or owed anyone money and not paid? Watch how many more tenants I get then every other apartment as well as how much more successful tenants I get. I'd probably outperform 95% of all apartments in the country dollar for dollar. Employment questions should never be asked, that's completely irrelevant to the big picture. Show me how their history of actually having money with them and how they handled it, especially when it comes to paying rent.
Guess we need to add property owner/ management to the list of things you are better than the people that do it for a living. If only you felt like doing it.
Oh wait, you actually need CREDIT and a willingness to own property, which is against your beliefs.
Like so many of the other things you would be better than everyone at, you don’t want to do it or put money behind it. You just want us to believe it and be amazed at your knowledge of it.
Personally I find Nathan a much more desirable tenant as she works for a living and gets a steady paycheck. But again I’ve been doing it wrong for over 30 years like 95% of us. Perhaps Tanko and I could hire you as a consultant for our properties.
Boz, just another moron who doesn’t understand how the business world works.
Quote: RSIt doesn't matter if property owners are doing it "properly" or if you'd do a better job. Either you can meet the requirements they set forth and you can rent a place, or you don't. It's that simple.
When I put up a property for rent, I had to sift through who knows how many emails, phone calls, and texts from all these crazy people. One dude's saying something like, "Yo homie, I don't really got a job, ya know? But if you hit up my boi Turbo, he'll vouch for me, I bring in that mad cheddar, dog." Uhh, no, IDGAF -- I ain't renting to someone who I think is overly risky, unless they're willing to put up a substantial amount of money to equalize the risk.
Same thing applies to people's incomes. If someone's making $2k/mo, I'm not renting them a place for $1300....it's just not going to happen. Sure, I might lose out on some time in between renters, but ideally, I'm looking for someone with a stable job, makes at least 3x their rent in income, and will be there for a long time. I'd rather lose out on extra 1 month of rent right now if it meant I'd get a good renter who'd stay there for 5+ years and is going to pay on time and not mess everything up. I don't want someone who's likely only going to stay for 6-12 months. It costs time and money to get an old tenant out and new tenants in.
Now let's say I'm just a regular dude who doesn't know anything about advantage play. In my mind, gambling isn't a profession, you either get lucky and win or you lose like you're supposed to. And at the end of the day, the house always wins. So why should I rent a place to someone who gambles "for a living"? Would YOU rent a place to someone who says he has a magic system and can beat baccarat or roulette everyday?
No offense, but everything you said is not the vibe I give to these leasing agents. Im not racist, but lets be honest here, im not speaking to leasing agents like "Yo homie, I don't really got a job, ya know? But if you hit up my boi Turbo, he'll vouch for me, I bring in that mad cheddar, dog." Im white, no tattoos, no hood aspect to me at all, clean cut, speak properly, etc. They can also verify my rental history as well as me proving to them I have a lot more than 3x the rent in the bank LIQUID by showinf bank statements. I have no criminal history, NO DEBT and never had any evictions or payments owed to anyone.
I mean seriously, what more do they want? But nooo, i got no job so you must pay all 12 months upfront. They can go kick rocks, they just lost on the best tenant theyll ever have so its their loss. Everything I mentioned can be verified through a thorough background check. It just makes literally no sense to me that they immediately tell me i must pay the whole lease upfront without finding anything about me.
Quote: BozGuess we need to add property owner/ management to the list of things you are better than the people that do it for a living. If only you felt like doing it.
Oh wait, you actually need CREDIT and a willingness to own property, which is against your beliefs.
Like so many of the other things you would be better than everyone at, you don’t want to do it or put money behind it. You just want us to believe it and be amazed at your knowledge of it.
Personally I find Nathan a much more desirable tenant as she works for a living and gets a steady paycheck. But again I’ve been doing it wrong for over 30 years like 95% of us. Perhaps Tanko and I could hire you as a consultant for our properties.
Boz, just another moron who doesn’t understand how the business world works.
I would never get hired as a consultant or as a property manager, you know why? Because my CV/resume has no relatable job experience. You see the problem and trend here?
Maybe this is all just bitterness coming out after being declined by or ignored by so many jobs after college when I knew I was better than everyone in there, but yet because I had no relatable job experience, they show me the door. Now that I think about it, you can add recruiter to the list of me knowing more than them. I dont know if its confidence or arrogance or both, but anything I do or willing to do im 100% sure ill be better than whoever is doing it. Whether that's irrational confidence is irrelevant, thats just how I am and maybe its the competitive side I always had growing up. All those recruiters who passed on me ended up being the biggest idiots ever, so their loss as well.
Quote: FinsRuleDo you think that if they knew more about you (read all your posts on here), they’d be more or less likely to want you as a tenant?
Good question, but I honestly dont even care. This thread was a rant as the title suggests and a matter of principle, and was something I had to get off my chest. Like I said I could pay the whole lease upfront and make them happy, but its a matter of principle for me and im not giving them my hard earned cash without a valid reason why. 1 year perfect rental history and money liquid in the bank to more then cover the 3x rental criteria. Background check shows no debt, never owed anyone a dime, no criminal history, but ohhh he doesnt have a job, thanks for coming or please pay 12 months upfront while the lady in dreads and a bandana gets approved right next to me who probably has none of the above, but has a so called 'steady job'.
Should I just jump off hoover dam tomorrow to ease this pain? I just cant take it anymore.
Quote: ZenKinG
Should I just jump off hoover dam tomorrow to ease this pain? I just cant take it anymore.
Just keep renting the weekly units. And...second request, please advise your experiences with various ones, both good and bad experiences..
I think, FYI, MGM rents it's Signature towers by the month and I also have read that Vdara does. So there you go, nice unit to come back home to.
Quote: ZenKinG
Should I just jump off hoover dam tomorrow to ease this pain? I just cant take it anymore.
...dude
Just pay upfront for a lease!
Quote: ZenKinGI never had a credit card either.
Ummm... How do you pay for your Internet access with no credit card? Push payment through your bank, perhaps? I'm not questioning what you say, but it does confuse me.
Quote: ZenKinGI guess I could get some delivery job for 2 weeks to get my foot in the door and then quit the job after I've been approved.
Tah dah! The solution was right under your nose all the time. Instead, you are probably going to rant about it for the next two weeks.
But, others have suggested some great ideas also, so you have choices. ZK, pick one, make a plan, and act on it. Hey, you did it all before when you first announced your move to LV. You really do know how to do this, don'cha?
Quote: LuckyPhowUmmm... How do you pay for your Internet access with no credit card? Push payment through your bank, perhaps? I'm not questioning what you say, but it does confuse me.
Debit card
Quote: NokTangJust keep renting the weekly units. And...second request, please advise your experiences with various ones, both good and bad experiences..
I think, FYI, MGM rents it's Signature towers by the month and I also have read that Vdara does. So there you go, nice unit to come back home to.
Way too expensive. Ill need at least a 6 figure bankroll before I do that to still play the stakes I want to play, while also covering expenses and keeping everything low risk. For now im still grinding it out and staying dedicated to not waste much. It sucks, but thats how it has to be. It doesnt help that im cursed and dare I say I still dont believe several casinos in this city are offering a legitimate game, but the cheating topic has been discussed ad nauseum and i rather not continue to beat a dead horse. It is what it is at this point and the gaming commission is useless and corrupt and so are the courts to even bother, so its a hopeless feeling.
You say you do have a good credit history, what are your FICO scores? www.creditkarma.com is free and will show you two of your three scores. You also need to understand that applying for credit is not the same as accruing debt. I think most intelligent people look at credit cards as free no-interest loans for 30 days. I, along with many other people, advantage play my credit cards. I have five figures charged on my credit cards that I pay no interest on. I have the money in the bank to pay it all off, but why would I give up a free loan that also gets me lots of free airfare and hotels?
Good luck to you.
Quote: DRichWhy don't you create ZK Services, LLC and actually pay yourself a paycheck biweekly?
You say you do have a good credit history, what are your FICO scores? www.creditkarma.com is free and will show you two of your three scores. You also need to understand that applying for credit is not the same as accruing debt. I think most intelligent people look at credit cards as free no-interest loans for 30 days. I, along with many other people, advantage play my credit cards. I have five figures charged on my credit cards that I pay no interest on. I have the money in the bank to pay it all off, but why would I give up a free loan that also gets me lots of free airfare and hotels?
Good luck to you.
I got a 685 for Transunion(fair) and 613 for Equifax(needs work). Thats what it says. LOL. How is my credit not perfect if i never owed anyone any money, never missed a payment on rent or cell phone bill or had any debt my whole life. Just goes to show you how much of a scam all of this is.
Is this because i have had limited payment plans due to me paying everything in full all my lfie?
Quote: ZenKinGI got a 685 for Transunion(fair) and 613 for Equifax(needs work). Thats what it says. LOL. How is my credit not perfect if i never owed anyone any money, never missed a payment on rent or cell phone bill or had any debt my whole life. Just goes to show you how much of a scam all of this is.
Is this because i have had limited payment plans due to me paying everything in full all my lfie?
Because they track your ability to repay loans and use credit responsibly. If you’ve never had a loan or credit card, they have nothing to go off of.
Not saying you have to like it, but that’s the reason.
Quote: gamerfreakBecause they track your ability to repay loans and use credit responsibly. If you’ve never had a loan or credit card, they have nothing to go off of.
Not saying you have to like it, but that’s the reason.
I said it before and ill say it again and it will be the last time i say this. All loans, mortgages, borrowing, and credit needs to be ABOLISHED. If you dont have money, you dont GET ANYTHING. Car loans, student loans, mortages, all need to be destroyed. Credit card companies need to be dissolved and the whole credit system needs to be abolished. The Federal Reserve needs to be shut down for good as well as they are the head of the snake and who created this credit debt mess. This will fix the entire economy naturally. The ones with money will have to either start busting their ass and work or die. No more freebies. No more free houses. No more free college education. No more free anything unless you have the money upfront. Inseriously must be the only milennial out there who thinks this way. Our great grandparents had it right. Learn to farm as well and grow your own food pesticide free and all that bullshit.
This country needs a massive reset back to how it used to be before the 1900s. America needs to become a dictatorship for 4 years and elect me as President. Future generations would thank me. Thank me in the next century.
#EndTheFederalReserve
*cue violins*
When asked about tax records you deflected the question.
You consider yourself a professional gambler; surely you've filed tax returns, haven't you?
By your own admission you're up quite a bit, and it is all taxable income which requires that you file returns and pay any tax due.
So tell us Mr. "Stop the world I want to get off:" what income (if any) do your tax returns (if any) reflect you earned in 2016 and 2017?
I ask so that you can evaluate whether a prospective landlord, upon viewing them, would likely conclude that you're a good risk.
Without returns he'd be likely to conclude you could be a crook, a liar, a flake; with returns showing minimal taxable income he'd be likely to conclude you cannot afford to live there.
You see, when you thumb your nose at THE MAN, he in turn will likely respond by pissing on your shoes.
when we're a Muslim country finally, there won't be any interest, besides the interest of what's under that burka.Quote: ZenKinGI said it before and ill say it again and it will be the last time i say this. All loans and mortgages need to be ABOLISHED. If you dont have money, you dont GET ANYTHING. Car loans, student loans, mortages, all need to be destroyed. Credit card companies need to be dissolved and the whole credit system needs to be abolished. The Federal Reserve needs to be shut down for good as well as they are the one who created this credit debt system. This will fix the entire economy naturally. The ones with money will have to either start busting their ass and work or die. No more freebies. No more free houses. No more free college education. No more free anything unless you have the money upfront. Inseriously must be the only milennial out there who thinks this way. Our great grandparents had it right. Learn to farm as well and grow your own food pesticide free and all that bullshit.
This country needs a massive reset back to how it used to be before the 1900s. America needs to become a dictatorship for 4 years and elect me as President. Future generations would thank me. Thank me in the next century.
#EndTheFederalReserve
I'm kidding. interest was banned by the Popes for a long time. I do feel interest more than 2 or 3% is wrong but I'm not dictator yet. :-)
Quote: ZenKinGYou think any of these girls know anything their Constitution and landmark Supreme Court rulings...
I bet most of them know that you can't build credit with a debit card.
Quote: ZenKinGI got a 685 for Transunion(fair) and 613 for Equifax(needs work).
So your average credit score is 649. That is neither good nor bad. and probably exactly where you should be. It says you haven't done anything stupid with credit and that you haven't done anything good with it.
ZK, not on everything, but on several things... you're right! Here's the kicker... That's not the way the world works. You're young and naive, and I could go on and on and on about this or about that and you'd just get upset going "That's not how it should work! It's on principle!" etc etc and again, on principle you might be right, but that's not how the world works. We all go through this realization and when we're young and "smarter than everyone" want to fight the system...
Here's why most adults don't like the world:
1) ALL of us know on "principle" this or that could/should work a little differently, but bitching is the easy part. Effecting real, actual, lasting and logical change is nearly impossible. There are so many steps and hoops to jump through if you wanted to change just 1 simple thing, it would take YEARS at a minimum.
2) There are so many things that could be fixed, as you've pointed out in your 7859729845 rants. No one person could ever effectively change all of the issues in the world in their ENTIRE lifetime. Which leads me right to point #3...
3) If you only have 70-100 years on this earth, and you're in school/etc for ~25 years and retire at ~70 years that only leave 45 years for doing "work" and or effecting change. First, you have to gain credibility, maybe run for a public office, etc, etc. Your first 5-10 years of experience will not yield any results but building your network and foundation for change. This leaves you with about 35 years to attempt to effect change... to which you will ALWAYS have people fighting you. Whether it's complete morons, or because you're registered to the left or right, you will ALWAYS have people NOT want you to complete your goals. Maybe they want the credit, maybe they just don't want to see you succeed, maybe they fundamentally disagree with your change (and hey, let's pretend they're even wrong!)... doesn't matter, you will not get some things changed that you want. So you will spend 35 years fighting an ALL UPHILL BATTLE to get MAYBE a few things changed in your lifetime, to which the "other side" (doesn't matter which one) will try to diminish and reverse your changes long after you're gone, and to which YOU WILL GET NO GLORY OR THANK YOU FOR CHANGING. Why the flying f$&k would ANYONE choose to do this? i.e. you haven't, you've gone down a different path already.. so if you're not going to try to effect real change, you don't really have the right to complain or bitch about it. Which leads to my final point...
4) Acceptance. You accept the world the way it is not because you're lazy, and not because it's too hard to change (though it is), but because THAT'S NOT HOW WE WANT TO LIVE OUR LIVES. If I get 70-100 years on this earth, like HELL I'm going to spend them on inane sh*t like the aforementioned... even if I have the knowledge and wisdom to fix it all... I want to travel, experience different cultures and people, and always be in search of new knowledge and wisdom. That's my life motto, and others may be different but the VAST majority of them are not #3 above. This is why people who enter the political arena should be thanked, revered, and why many of them say "F it" and sell out to the highest bidder, so they can have money and do the REAL things they want and be happy.
This is why the system is broke AF in my opinion, but no one will change it, and if anyone does it will be a slow grinding process probably over an entire generation or two.
SUMMARY
You are young. You are naive. You have no idea how the world works and you need to shut the f%*k up about it and find what makes you happy and your passion and just follow that. If what makes you happy is picking these ethical/principle fights, then go in to politics and "try" to effect real change for zero thanks. If not, then find what else makes you happy and move the hell along with your life... We ALL know this or that "on principle" should be different, but instead of having to log on and read to your incessant bitching, I'd rather read about things that interest me so that maybe I can be slightly happier with my day/life. 99.54% of the people that respond to you are trying to HELP you too. They know how the world works, and they want to help you understand, and in your naiveness you brush them off, don't thank or revere them like you should since they're choosing to waste their life trying to help you, and tell them they're all "WRONG" when in fact it's your blindness to the world that is wrong... and one day you'll learn that, just as we all did/are.
If you really feel the need to get out of the weeklies, cash up front or get a marginal job for 1.5 months and quit if it sucks after you get the apartment. A hassle but not difficult. I’d look at Airbnb for a casita or something in the meantime if I were you i think, try something different.
Quote: DRichWhy don't you create ZK Services, LLC and actually pay yourself a paycheck biweekly?
This is not a good idea financially. He will end up paying much higher taxes combined as he would basically be taxed twice, as a business and on the payments (pay check).
Tax laws involving professional gamblers have gotten better in the last 5 years. There are some things now allowed that are pretty beneficial. Still lots of room for improvement, like income averaging and carrying forward losses, that would help smooth out the tax burden in relation to variance, but in the absence of a professional gamblers tax reform lobby, I don't expect to see these kind of changes. lol
Quote: ZenKinGI said it before and ill say it again and it will be the last time i say this. All loans, mortgages, borrowing, and credit needs to be ABOLISHED. If you dont have money, you dont GET ANYTHING. Car loans, student loans, mortages, all need to be destroyed. Credit card companies need to be dissolved and the whole credit system needs to be abolished.
#EndTheFederalReserve
Yet you are seeking credit on a one year lease. Buy a place with cash, pay a year up front to get some real reportable history so you don't have to in the future, or how about just STFU. The system does not revolve around you. Actually, from the sounds of it you bring no value to the table regarding anything other than a worthless opinion of how things should be.
Quote: MrBoThis is not a good idea financially. He will end up paying much higher taxes combined as he would basically be taxed twice, as a business and on the payments (pay check).
That's not how it works. Single member LLC's are pass through businesses. Pass-through businesses profits "pass through" their books directly to owners, and are only taxed once.
Quote: MrBoThis is not a good idea financially. He will end up paying much higher taxes combined as he would basically be taxed twice, as a business and on the payments (pay check).
That may be true but his goal is to have a documented income so he can qualify for a house or apartment. Besides, he knows that he is the best financial advisor and that everybody else is worthless.
My 1st thought
Drug dealer
No thanks
Nathan must be happy, or mad that ZK is back to take some heat off of her.
When I got into my first nicer Apartment complex by myself here in Vegas, you know... tennis courts, sauna, pools, hot tubs, fitnesses center, gated community, security and what not. I can't remember the exact terms now but I think they wanted 6 months up front and a 3k security deposit that would be applied to my rent after a 6-month inspection. They also wanted my bank records.
I took me trying 4 different locations before anyone would allow me to prepay rent like that. In order to get my next location, I had to make a similar deal even after a glowing referral from the first place.
People have suggested you can make up some fake paycheck stubs and a fake employer (you can get a burner phone in order to provide them with a phone number) Make you use a proper template because some companies can tell its fake somehow. There are actually services online that do this kind of stuff for you.
I'm not suggesting you do this because it is probably illegal.
If you are going to go the prepay route make sure it's with a reputable company and not a private person or you could end up getting F***ed. You might win in court but good luck collecting.
p.s. Can you stop with the suicide references, some people might know you are not serious, but it might be somewhat upsetting to others who have known someone that actully followed through.
Quote: ZenKinGI said it before and ill say it again and it will be the last time i say this. Car loans, student loans, mortages, all need to be destroyed.
In some ways I am like you. I abhor debt. I hated when I had a mortgage. I hated having student loans. I hated the one time I needed a car loan. But in the most important way I am not like you. At the various points in my life I made the calculated decisions to participate in the "loans" because they were to my benefit. If I didn't take out student loans I would not have been able to afford to become a doctor, and make the very comfortable living I do now. If I didn't take out a mortgage my family would have had to live in an apartment during my children's early years, as opposed to the nice big house they were able to grow up in. And the one car loan I took was to get a reliable car my first year as an attending physician when I often had to go in at night during Buffalo winters. I paid off my car loan in less than a year, my student loans in a few years, and my mortgage a few years after that. Whatever I ended up paying in interest was worth it to me, it was a known cost.
And you MUST stop berating credit cards. I'm generally lazy about AP opportunities, but credit cards are EASY. I NEVER pay interest, and probably get a few thousand dollars worth of free stuff every year.
Quote: terapinedIf I had an apartment to rent and was approached by somebody with a lot of cash but no job
My 1st thought
Drug dealer
No thanks
I alluded to this earlier. But Las Vegas, is the one place, or one of a very small handful of places where, it is not completely uncommon or unheard of for people to be successful professional gamblers. Businesses, including banks and mortgage companies will work with someone who is.
However for every real successful professional gamblers there are thousands who say or think they are (and are not), so someone making this claim needs to provide financial documentation, which should not be a problem for real professional gamblers.
And I want to be clear that my use of terms or phrases like "real" or "think they are" is not reflective of anyone in particular.
It is just a different time. Things ZK is describing as how he thinks things should work sounds like life 50 years ago. Creditworthiness is determined by 2 factors, your ability to pay back AND your history of doing so. Having zero credit history (because you believe in paying cash) is just as bad as having bad credit. There is nothing wrong with not wanting to have a lot of debt, and paying cash for everything. But to get along in today's world build yourself a credit history. As suggested, just open 1 or 2 small credit cards, even store or gas cards and pay balance off monthly and in 6 months your credit score will jump.
I am fascinated by ZK's internal battle of how things are vs how things should be (according to him). You have to recognize how things are (not what you want them to be) and how the game is played. I am referring to the game of life, but the wording works for casino play as well.
An example would be that not all that many years ago, a player could show up with a suitcase full of money and play anonymously, un-molested. That is not how it works today, in this era of advancing technology. You have to adapt to how things are, not how you want them to be or think they should be. Otherwise you are in for a lifetime of frustration and stress.
Smart, we all missed that.Quote: MaxPenYet you are seeking credit on a one year lease. Buy a place with cash, pay a year up front to get some real reportable history so you don't have to in the future, or how about just STFU. The system does not revolve around you. Actually, from the sounds of it you bring no value to the table regarding anything other than a worthless opinion of how things should be.
Quote: MrBoThis is not a good idea financially. He will end up paying much higher taxes combined as he would basically be taxed twice, as a business and on the payments (pay check).
Tax laws involving professional gamblers have gotten better in the last 5 years. There are some things now allowed that are pretty beneficial. Still lots of room for improvement, like income averaging and carrying forward losses, that would help smooth out the tax burden in relation to variance, but in the absence of a professional gamblers tax reform lobby, I don't expect to see these kind of changes. lol
No, he would not. Jason Ewert opens a checking account at Wells Fargo and register as a new business called ZK Enterprises. Funds it with $1,000. Each week ZKE writes a check to Jason for $503.76. Jason cashes it at his personal bank and each week deposits 500 in cash back into the account. After a relatively short time, Jason can present copies of his ten or so checks as proof of employment.
In reality, it's not income. It's the same $500 churned between your two bank accounts.
Ideally, ZK should accept his civic duties and pay his taxes but in that world pizza is a diet food.
I moved out here two years ago, without a job and had no trouble renting an apartment. In a move I didn't quite get, my complex gave me a strange choice. Two month security deposit or a one time $300 fee that in effect is an insurance policy for my deposit. As I have a dog, I happily paid the $300. I'm pretty sure my dog alone will cause more than that and with this paid up front I don't need to spackle the holes from hanging art and the like.
Quote: ZenKinGNo offense, but everything you said is not the vibe I give to these leasing agents. Im not racist, but lets be honest here, im not speaking to leasing agents like "Yo homie, I don't really got a job, ya know? But if you hit up my boi Turbo, he'll vouch for me, I bring in that mad cheddar, dog." Im white, no tattoos, no hood aspect to me at all,
I worked in the hood. A lot of people there had a really poor understanding of how life works. Though this is not limited to the hood, it is much more prevalent.
For example they often thought everything should be judged on a case by case basis and that it was everybody ele's job to try to see their side of things.
But in reality it's usually more effective to make broad rules that are imperfect but efficient. Especially for a larger organization.
I understand it is annoying and even surprising that they see someone living pay check to paycheck as better than someone with over a years rent in cash on hand because I've been there. But it's our job to deal with it.
Or find a good roommate. Or take yup Drich on his speciffic and kind offer to solve your problem. Or enjoy any of the many other options you have as a resident in a wealthy, stable country with a bunch of cash in your pocket. From the perspective of 95% of people to ever live, you are a lottery winner.
Btw a year of paying rent is not very long at all.
apartment building to be the
landlord of for awhile. I guarantee in
a year he would be just as strict
as all the rules he's railing against.
After getting burnt a few times,
having people stop paying and
going to court for weeks getting
them evicted. After they punch a
hundred holes in the walls with
beer bottles, and ruin the carpets
with burn holes and dog pee.
After they put huge dents in
the appliances. ZK would be the
new sheriff in landlord town, you'd
have to be Jesus with a gold AMEX
card to get him to rent to you.
All the rules are in place because of
what landlords have gone thru in
the past. Don't blame them, blame
the tenants.
I had a friend who wanted to jump, and this is the advice I gave him, maybe it will help you?Quote: ZenKinGShould I just jump off hoover dam tomorrow to ease this pain? I just cant take it anymore.
First, if you think you want to jump off Hoover or something really tall, start small. If you jump from way up, there is no take backs if you change your mind part way down. So, first try jumping off of a chair, and if you still want to jump, try jumping off of a table. If all is going well, try something a little taller, like off of a Mcdonalds.
Just like you had to work up to the level you now play at, start small on your jump goals as well. Maybe you will like it? Start at 1:30
Quote: EvenBobIt would be hilarious to give ZK an
apartment building to be the
landlord of for awhile. I guarantee in
a year he would be just as strict
as all the rules he's railing against.
After getting burnt a few times,
having people stop paying and
going to court for weeks getting
them evicted. After they punch a
hundred holes in the walls with
beer bottles, and ruin the carpets
with burn holes and dog pee.
After they put huge dents in
the appliances. ZK would be the
new sheriff in landlord town, you'd
have to be Jesus with a gold AMEX
card to get him to rent to you.
All the rules are in place because of
what landlords have gone thru in
the past. Don't blame them, blame
the tenants.
An apartment building filled solely with tenants who earn their living through card counting.
The eviction notices couldn’t be processed fast enough
Quote: michael99000An apartment building filled solely with tenants who earn their living through card counting.
The eviction notices couldn’t be processed fast enough
I remember thinking of moving to
Vegas around 2000. I watched a
video of the do's and don'ts. A big
one was never ever tell a landlord,
a bank, a potential employer, that
you gamble. Tell them you go to
the casinos for the shows or the
food. They have been burned so many
times by even part time gamblers
that all the red flags go up.
That was almost 20 years ago, I can
only imagine it's much worse now. The
internet has spawned all the make a fortune
wannabe's moving to Vegas.
Sure, a great choice for a long term contract to occupy my property, just what I'm looking for, and I'm sure all the other nearby residents will be equally delighted by what follows on the other side of the drywall.
Second choice, the dam.
Third choice, keep doing what you're doing. It wont end good. Casino bannings, extreme frustration, depression and an arrest is not far in the future.
ZCore13
Quote: petroglyphJust like you had to work up to the level you now play at, start small on your jump goals as well. Maybe you will like it? Start at 1:30
In case you did not know, that they guy in that video, Uli Emanuele, was killed during a stunt in 2016.
