Financial Situation - Revision history

Yeetal at 00:31, 21 January 2022

2022-01-21T00:31:22Z

← Older revision		Revision as of 20:31, 20 January 2022
Line 3:		Line 3:
	[[Bradley the Dragon]] was awarded a lifelong annuity due to an [[:Category:Incidents\|incident]] at birth that left him with a [[Crab Claw\|permanent arm/hand disability]]. The amount of the annuity was roughly USD$1,750 per month. Brad sold this annuity until 2040 for approximately USD$40,000 and spent roughly half of that on a [[2019 Jeep Renegade\|new vehicle]].		[[Bradley the Dragon]] was awarded a lifelong annuity due to an [[:Category:Incidents\|incident]] at birth that left him with a [[Crab Claw\|permanent arm/hand disability]]. The amount of the annuity was roughly USD$1,750 per month. Brad sold this annuity until 2040 for approximately USD$40,000 and spent roughly half of that on a [[2019 Jeep Renegade\|new vehicle]].

	Assuming he sold this annuity on July 1st 2021, the NPV of this annuity at a discount rate of 3% is ~USD$~~315~~,000.		Assuming he sold this annuity on July 1st 2021, the NPV of this annuity at a discount rate of 3% is ~USD$304,000.

	[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to approximately USD$300 due to a string of "bad financial decisions I don't want to talk about". The only confirmed one of these decisions was the purchase of a Toyota Corolla in which Brad would constantly get speeding tickets because it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable, as the NPV of his annuity at USD$300 a month would be USD$54,000.		[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to approximately USD$300 due to a string of "bad financial decisions I don't want to talk about". The only confirmed one of these decisions was the purchase of a Toyota Corolla in which Brad would constantly get speeding tickets because it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable, as the NPV of his annuity at USD$300 a month would be USD$52,000.

	==Government Assistance==		==Government Assistance==

GherkinJT at 22:49, 19 January 2022

2022-01-19T22:49:23Z

← Older revision		Revision as of 18:49, 19 January 2022
Line 1:		Line 1:
	~~'''1. Brads Annuity'''~~		==Overview==

	~~Brad~~ was awarded a lifelong annuity ~~for damage caused during his~~ birth (arm/hand)		[[Bradley the Dragon]] was awarded a lifelong annuity due to an [[:Category:Incidents\|incident]] at birth that left him with a [[Crab Claw\|permanent arm/hand disability]]. The amount of the annuity was roughly USD$1,750 per month. Brad sold this annuity until 2040 for approximately USD$40,000 and spent roughly half of that on a [[2019 Jeep Renegade\|new vehicle]].

	~~The amount~~ of ~~the anuity was roughly~~ USD$1,~~750 per month~~		Assuming he sold this annuity on July 1st 2021, the NPV of this annuity at a discount rate of 3% is ~USD$315,000.

	Brad ~~sold this~~ annuity ~~until 2040 for ~~~USD$40,~~000 and spent roughly half~~ of ~~that on~~ a ~~[[2019 Jeep Renegade\|new vehicle]]~~.		[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to approximately USD$300 due to a string of "bad financial decisions I don't want to talk about". The only confirmed one of these decisions was the purchase of a Toyota Corolla in which Brad would constantly get speeding tickets because it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable, as the NPV of his annuity at USD$300 a month would be USD$54,000.

	~~Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$315,000.~~		==Government Assistance==

	[https://imgur.com/a/~~asN3TTQ Brad says~~] that the annuity had been lowered to ~USD$300 via a string of "bad financial decisions I don't want to talk about" the only confirmed one of these decisions was the purchess of a toyota corolla in which Brad would constantly get speeding tickets becuase it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable as the NPV of his annuity at 300 a month would be $54,000.		Brad applied for government assistance in mid-late 2021 at the behest of Horse. He was denied due to [https://imgur.com/a/s7IOpL4 not possessing enough work credit].

	~~'''2. Government Assistance'''~~		[https://www.2keller.com/blog/understanding-ssdi-work-credits-in-indiana.cfm Work credit is a system under which someone must "pay in" to social security before they can claim a benefit.]

	~~Brad applied for government assistance in mid-late 2021 at the behest of Horse.~~

	~~He was denied due to~~ [https://~~imgur~~.com/a/~~s7IOpL4 not possessing enough~~ work credit]

	~~[https~~:~~//www.2keller.com/blog/understanding-ssdi-work-credits-in-indiana.cfm Work credit is a system under which someone must "pay in" to social security before they can claim a benefit.]~~		There are several reasons why governmental support will be difficult for Brad to acquire:

	~~There are several reasons why governmental support will be difficult for Brad to acquire: 1.~~ His application is very late compared to when the disability was acquired 2. Brad has previous work history which makes claiming that his disability ~~efffected~~ him severely from birth difficult. 3. Brad is too lazy to earnestly pursue this.		#His application is very late compared to when the disability was acquired.
			#Brad has previous work history which makes claiming that his disability affected him severely from birth difficult.
			#Brad is too lazy to earnestly pursue this.

	~~'''3.~~ Current Status~~'''~~		==Current Status==

	Brads current financial situation is murky. He claimed to make $300 a month ~~of twitch~~ including $60 a month from ads however his lifestyle of ordering ~~doordash~~ and eating copious amounts of fast food suggest a higher monthly spending ~~then~~ this, especially as he is paying rent to live in ~~joels mums~~ basement. This has lead to concern ~~amoung~~ some ~~of the Brad Wranglers~~ that he may be ~~depleating~~ any remaining cash reserves without means or will power ~~to be able~~ to replenish them.		Brads current financial situation is murky. He claimed to make $300 a month from Twitch, including $60 a month from ads, however his lifestyle of ordering Doordash and eating copious amounts of fast food suggest a higher monthly spending than this, especially as he is paying rent to live in [[Joell Palmer\|Joel's]] mum's basement. This has lead to concern among some viewers that he may be depleting any remaining cash reserves, without means or will power to replenish them.

Buke at 16:37, 18 January 2022

2022-01-18T16:37:40Z

← Older revision		Revision as of 12:37, 18 January 2022
Line 23:		Line 23:
	'''3. Current Status'''		'''3. Current Status'''

	Brads current financial situation is murky. He claimed to make $300 a month of twitch including $60 a month from ads however his lifestyle of ordering doordash and eating copious amounts of fast food suggest a higher monthly spending then this, especially as he is paying rent to live in joels mums basement. This has lead to concern amoung some of the Brad Wranglers that he may be depleating any remaining cash reserves without ~~any method of being~~ able to replenish them.		Brads current financial situation is murky. He claimed to make $300 a month of twitch including $60 a month from ads however his lifestyle of ordering doordash and eating copious amounts of fast food suggest a higher monthly spending then this, especially as he is paying rent to live in joels mums basement. This has lead to concern amoung some of the Brad Wranglers that he may be depleating any remaining cash reserves without means or will power to be able to replenish them.

Buke at 16:30, 18 January 2022

2022-01-18T16:30:43Z

← Older revision		Revision as of 12:30, 18 January 2022
Line 20:		Line 20:

	There are several reasons why governmental support will be difficult for Brad to acquire: 1. His application is very late compared to when the disability was acquired 2. Brad has previous work history which makes claiming that his disability efffected him severely from birth difficult. 3. Brad is too lazy to earnestly pursue this.		There are several reasons why governmental support will be difficult for Brad to acquire: 1. His application is very late compared to when the disability was acquired 2. Brad has previous work history which makes claiming that his disability efffected him severely from birth difficult. 3. Brad is too lazy to earnestly pursue this.

			'''3. Current Status'''

			Brads current financial situation is murky. He claimed to make $300 a month of twitch including $60 a month from ads however his lifestyle of ordering doordash and eating copious amounts of fast food suggest a higher monthly spending then this, especially as he is paying rent to live in joels mums basement. This has lead to concern amoung some of the Brad Wranglers that he may be depleating any remaining cash reserves without any method of being able to replenish them.

Buke at 16:24, 18 January 2022

2022-01-18T16:24:06Z

← Older revision		Revision as of 12:24, 18 January 2022
Line 9:		Line 9:
	Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$315,000.		Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$315,000.

	[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300 via a string of "bad financial decisions I don't want to talk about" the only confirmed one of these decisions was the purchess of a toyota corolla in which Brad would constantly get speeding tickets becuase it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable at the NPV of his annuity at 300 a month would be $54,000.		[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300 via a string of "bad financial decisions I don't want to talk about" the only confirmed one of these decisions was the purchess of a toyota corolla in which Brad would constantly get speeding tickets becuase it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable as the NPV of his annuity at 300 a month would be $54,000.

	'''2. Government Assistance'''		'''2. Government Assistance'''

Buke at 16:23, 18 January 2022

2022-01-18T16:23:32Z

← Older revision		Revision as of 12:23, 18 January 2022
Line 9:		Line 9:
	Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$315,000.		Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$315,000.

	[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300~~, this~~ seems to be totally reasonable at the NPV of his annuity at 300 a month would be $54,000.		[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300 via a string of "bad financial decisions I don't want to talk about" the only confirmed one of these decisions was the purchess of a toyota corolla in which Brad would constantly get speeding tickets becuase it was too fast. Other bad financial decisions could include the Stripper/Drug mule arc. This seems to be totally reasonable at the NPV of his annuity at 300 a month would be $54,000.

	'''2. Government Assistance'''		'''2. Government Assistance'''

Buke at 16:12, 18 January 2022

2022-01-18T16:12:43Z

← Older revision		Revision as of 12:12, 18 January 2022
Line 7:		Line 7:
	Brad sold this annuity until 2040 for ~USD$40,000 and spent roughly half of that on a [[2019 Jeep Renegade\|new vehicle]].		Brad sold this annuity until 2040 for ~USD$40,000 and spent roughly half of that on a [[2019 Jeep Renegade\|new vehicle]].

	Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$58,~~295~~.		Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$315,000.

	[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300, this seems to be totally ~~false since no company~~ would ~~buy ~USD~~$9,~~992. of cashflow for 4x that price~~.		[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300, this seems to be totally reasonable at the NPV of his annuity at 300 a month would be $54,000.

	'''2. Government Assistance'''		'''2. Government Assistance'''

GherkinJT at 07:02, 18 January 2022

2022-01-18T07:02:25Z

← Older revision		Revision as of 03:02, 18 January 2022
Line 5:		Line 5:
	The amount of the anuity was roughly USD$1,750 per month		The amount of the anuity was roughly USD$1,750 per month

	Brad sold this annuity until 2040 for ~USD$40,000 and spent roughly half of that on a new vehicle.		Brad sold this annuity until 2040 for ~USD$40,000 and spent roughly half of that on a [[2019 Jeep Renegade\|new vehicle]].

	Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$58,295.		Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$58,295.

Yeetal at 06:29, 18 January 2022

2022-01-18T06:29:55Z

← Older revision		Revision as of 02:29, 18 January 2022
Line 1:		Line 1:
	1. Brads Annuity		'''1. Brads Annuity'''

	Brad was awarded a lifelong annuity for damage caused during his birth (arm/hand)		Brad was awarded a lifelong annuity for damage caused during his birth (arm/hand)
Line 11:		Line 11:
	[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300, this seems to be totally false since no company would buy ~USD$9,992. of cashflow for 4x that price.		[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300, this seems to be totally false since no company would buy ~USD$9,992. of cashflow for 4x that price.

	2. Government Assistance		'''2. Government Assistance'''

	Brad applied for government assistance in mid-late 2021 at the behest of Horse.		Brad applied for government assistance in mid-late 2021 at the behest of Horse.

Yeetal at 06:29, 18 January 2022

2022-01-18T06:29:35Z

← Older revision		Revision as of 02:29, 18 January 2022
Line 2:		Line 2:

	Brad was awarded a lifelong annuity for damage caused during his birth (arm/hand)		Brad was awarded a lifelong annuity for damage caused during his birth (arm/hand)

	The amount of the anuity was roughly USD$1,750 per month		The amount of the anuity was roughly USD$1,750 per month

	Brad sold this annuity until 2040 for ~USD$40,000 and spent roughly half of that on a new vehicle.		Brad sold this annuity until 2040 for ~USD$40,000 and spent roughly half of that on a new vehicle.

	Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$58,295.		Assuming he sold this annuity on July 1st 2021 the NPV of this annuity at a discount rate of 3% is ~USD$58,295.

	[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300, this seems to be totally false since no company would buy ~USD$9,992. of cashflow for 4x that price.		[https://imgur.com/a/asN3TTQ Brad says] that the annuity had been lowered to ~USD$300, this seems to be totally false since no company would buy ~USD$9,992. of cashflow for 4x that price.

Line 10:		Line 14:

	Brad applied for government assistance in mid-late 2021 at the behest of Horse.		Brad applied for government assistance in mid-late 2021 at the behest of Horse.

	He was denied due to [https://imgur.com/a/s7IOpL4 not possessing enough work credit]		He was denied due to [https://imgur.com/a/s7IOpL4 not possessing enough work credit]

	[https://www.2keller.com/blog/understanding-ssdi-work-credits-in-indiana.cfm Work credit is a system under which someone must "pay in" to social security before they can claim a benefit.]		[https://www.2keller.com/blog/understanding-ssdi-work-credits-in-indiana.cfm Work credit is a system under which someone must "pay in" to social security before they can claim a benefit.]

	There are several reasons why governmental support will be difficult for Brad to acquire: 1. His application is very late compared to when the disability was acquired 2. Brad has previous work history which makes claiming that his disability efffected him severely from birth difficult. 3. Brad is too lazy to earnestly pursue this.		There are several reasons why governmental support will be difficult for Brad to acquire: 1. His application is very late compared to when the disability was acquired 2. Brad has previous work history which makes claiming that his disability efffected him severely from birth difficult. 3. Brad is too lazy to earnestly pursue this.