Join the Fun!

#2

That if you’re rich enough, most laws that are punished by fines simply mean those things are legal for a price.

PolarBearChuck , Nathan Dumlao Report

Final score:

137points

POST

DRMAGDN 8 months ago

So I can park in a garage in NYC for $65 a day. Or I can pay the $60 parking ticket fine to park on my own street in the West Village and sometimes they don't re-ticket my car. Sometimes taking an L in one way is a better W in another way.

41points

#3

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On They say most people eat 8 spiders in their lifetime, but really you can eat as many as you want. Treat yourself!

TK-Squared-LLC , Pixabay Report

Final score:

119points

POST

SCP 4666 8 months ago

Spider soup for starters and a piece of spider cake for dessert

19points

It may seem that the law is the law, and that's that. There's no going around it, right? Well, according to legal professionals, sometimes, things can slip through the cracks. Laws may not be well thought-out, or they might be phrased ambiguously. Then loopholes are bound to appear.

There are some loopholes in U.S. laws that might seem untrue but are definitely legit. For example, in Wisconsin, underage (under 21) people can drink alcoholic beverages. The condition is that they have to be with their parents, legal guardians, or spouses who are of legal age. Some establishments might prohibit this, as the law states that this applies only "at the discretion of the licensee."

#4

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On While in college, I won a “free pizza for a year” contest from Papa John’s on a radio station. It was really one pizza per month for 12 total. I called in and told the guy I had the little card they gave me and he said no problem and sent the delivery guy over who confirmed I had the card and gave me my pizza. Next month I did the same. Then it dawned on me… they’re not taking my card or marking it in any way so I called a different Papa John’s and told them my story and sure enough it worked and they didn’t do anything with my card either. I started working 4 different PJ’s near me to get one pizza per week every month without arousing suspicion. With leftovers, I could stretch it to two or three days easily. I did this for almost two years before I was sick of PJ’s pizza and gave my card to my roommate as I finished college and moved out. For a broke a*s college kid, this saved me. But to this day, I can’t eat PJ’s.

cordsandchucks , The Nix Company Report

Final score:

104points

POST

Patricia Steward 8 months ago

PJ's is horrible pizza from a company owned by a horrible man.

3points

#5

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On I missed out, but I loved the gold dollar fiasco. In 2008 the US mint produced more than a billion new gold dollar coins. Nobody wanted them. So they figured maybe if they offered free shipping then people would order some online. Some clever folks ordered bookooos of them using credit cards that gave rewards, frequent flyer miles, etc. When the coins were delivered they just deposited them into their bank accounts, paid off the credit card bill, and went to Hawaii with their free frequent flyer miles.

Igotthesilver , CardMapr.nl Report

Final score:

96points

POST

E.V. 8 months ago

lol I remember this.

20points

#6

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On A co-worker had a car where it would come with a 30 day free trial of Sirius XM. He never signed up, but after getting a new battery installed he found that the trial renewed itself. Eventually he figured out that all he needed to do for free Sirius XM was to disconnect the battery every 30 days and the trial would automatically reset.

Spindlebrook , Sayo Garcia Report

Final score:

80points

POST

Craig Reynolds 8 months ago

Actually, all he had to do was pull the fuse for the entertainment system, wait for a minute for the capacitors to discharge, and then plug it back in.

12points

There is a loophole to avoid repossession if you miss a few car loan payments. The Repo Man can only take your car if you parked it at your address. If you park the car, say, in the neighbor's driveway, they might not be able to repossess it. However, there is a small hiccup with this loophole. License plate numbers might betray which car is yours, so the Repo Man can still repossess it based on them.

You like getting naked and think walking around in your birthday suit in public places is your God-given right? If you live in North Carolina or Kansas, you might be able to do just that.

While public nudity is illegal in North Carolina, people can be nude on their own property. So, standing in your doorway with no clothes on is technically legal. In Kansas, however, you can walk around naked as long as there are no obvious signs of arousal or sexual behavior. So, you can strut your stuff down the street with no problem!

#7

You know, you can just order a happy meal for yourself as an adult. No one actually checks.

PUNCHCAT , freestocks.org Report

Final score:

67points

POST

Ace 8 months ago

And what's the loophole, exactly?

24points

#8

GameStop ran an promotion where they bought used games for 50 euros. Specific games tho. Anyway I ran to nearby outlet stores bought the stock for 20-30euros per game and threw them to GameStop and got cash. I got about 900 euros out of that before they fixed it.

omegabaryon , Tdorante10 Report

Final score:

64points

POST

Fabian Bernard 8 months ago

A few years ago, there was that kind of loop with old diesel cars in France. If you bought a new car, state will take back your old diesel car for 3000 to 5000€ to help you purchasing a new one, whatever the condition of the old car. So, people bought 500€ derelict diesel cars, while others sold crapped diesel cars at higher prices than their real value,and got a big discount on a new one. Cost arm and legs to taxpayers while helping private manufacturers to raise their sale without any counterpart of any terms....

18points

#9

It used to be cheaper for me to take a class at a nearby university and get student health insurance that way than it was to just buy health insurance. If you get really lucky, you can find a professor who’ll let you do a one-hour independent study, and it’s even cheaper, and if they’re cool with your reasons, you won’t even have to work that hard. Haven’t checked out the prices or done a comparison lately, but it’s always an option, as long as you don’t pick an online class that doesn’t qualify for health insurance.

No-Two79 , Pixabay Report

Final score:

60points

POST

MR 8 months ago

If you don't really care about the class itself nor are you seeking a degree, does it really matter it you show? Fun fact though. I was a cinema major and they had single credit classes that lasted one day, several hours, in which you basically just watched several films of a genre on a weekend. No course work. No essays. No tests. Just show up. Watch some movies. Go home.

11points

Plenty_Wash8190 , Samuel Regan-Asante Report

Do you know about the First Church of Cannabis? It's a legit church founded in 2015 by Bill Levin in Indiana. Levin says that the church was a direct response to the Religious Freedom Restoration Act (RFRA).

At first glance, the law allows Hoosiers to exercise their religious freedom. But upon closer inspection, it also might allow businesses and individuals to discriminate against homosexual individuals based on their religious opposition to homosexuality.

#10

My dad got a parking ticket, on the ticket it said the car was black. My dad's car was dark green. He contested and won. This was before they took photos and I guess they just didn't press it, but still, no charge!

Final score:

56points

POST

Manana Man 8 months ago

I had a cop in Houston give me a ticket that I believed was very unfair. I took pictures of the road, measured the distance to where the cop was, etc. I showed up in court with all my evidence in hand and sat waiting my turn. They took one look at me and apparently thought 'we don't want to deal with all this.' They dismissed it without me saying a word.

23points

Ok_Spot_5629 , RDNE Stock project Report

#11

Local online retail store (think H&M) ran a competition to win a 150 bucks off coupon. I naturally entered with my account, my sister and my moms. All three of us won and the coupon code sent to all of us was the exact same. So I figured if I created a different email every time, I'd continue using it. Which I did, for the whole year until the expiration date, and by that time I had spent over 5000 bucks without them noticing.

Final score:

50points

POST

jade s 8 months ago

This is also fraud and quite a bad one actually.

10points

#12

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On I once got a speeding ticket for driving 52 in a 35 (mph / USA). I was driving on a stretch of road that was only about a mile long (intersections at both ends) and there were no speed limit signs on the road. All adjacent roads had a posted speed limit of 35, so one would assume that the speed limit on the road I was stopped on should be 35. BUT state law dictates that the default speed limit on county roads when not otherwise posted is 50 mph. I took pictures of the road at several places to show that there were no posted speed limit signs, and brought those pictures to court when I challenged the ticket and the judge dropped the ticket.

This isn't truly great in the grand scheme of things, but for a moment I felt like I had just won the greatest legal case in history.

airwalker08 , Kindel Media Report

Final score:

48points

POST

AndThenICommented 8 months ago

On the other hand, in South Perth the police like to hand out speeding tickets on the on ramp of the Kwinana…the on ramp speed is 60kms and short…the Kwinana freeway is 100 kms …. Always seemed like a naughty speed trap ‘loophole’ to me

6points

Earthsubstance , Karolina Grabowska Report

The congregation of the First Church of Cannabis, who call themselves Cannaterians, wanted to use cannabis during their service, but the courts dismissed their case. While they did try to find a loophole for smoking weed in a church during service, the court ruled that not allowing them to do so did not infringe on their religious freedom.

#13

Pay off a insurance company 5 dollars a week untill it took so l long they settled the debt 2k less than what I owed. They couldn't take me to court as long as I paid something.

Final score:

46points

POST

LaserBrain 8 months ago

If you bought the insurance, aren't you supposed to pay for it?

10points

#14

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On I got a refund on a non-refundable flight with Delta. Normally if you cancel a non-refundable flight, they will only give you the value back as a voucher to use on another flight.

I booked a non-refundable flight that I didn't need to take then cancelled it and got the voucher for the amount for that flight. I used that voucher and booked a refundable flight then cancelled it. It gave me the option to refund it back to my credit card and it let me do it so I got my money back instead of it being applied as a voucher again.

TheCountChonkula , Simon Ray Report

Final score:

44points

POST

Blue Bunny of Happiness 8 months ago

Often works with hotels if you have to cancel at very short notice, move the booking to another night some weeks ahead, instead and then cancel it within the free cancellation window. Thanks receptionist in Manchester when I needed to cancel a booking as the singer of the concert I was going to broke her foot, then cancelled the gig!

3points

#15

Oregon doesnt care about misdemeanors from other states

I had arizona ruin years of my life for small weed charges

Oregon cops run my name, hear i have a warrant, and then we have a laugh and then we split ways.

ramonnoodles2 , Pixabay Report

Final score:

41points

POST

DRMAGDN 8 months ago

Oregon, great for misdemeanors, awful for dying of dysentery (Orgeon Trail)

56points

#16

Air BnB related:

If someone messages you about having more guests over than what you specified on the booking and claim they have you on camera, check to see if they disclose cameras on the property. If not, you do not have to pay for the nights you stayed.

queenoflimons , Alan J. Hendry Report

Final score:

40points

POST

Ace 8 months ago

That's not quite how it works. As it happens Airbnb changed their hosting T&Cs literally last week, so any undisclosed cameras will be in breach of those terms.

22points

#17

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On Cruiseship casino: I was gifted 200$ in credit to pay for ship extras/activities when I ordered my cruise package.

When I got to the casino I realized you could load that credit into the slot machines.

After one round of testing with depositing a small amount and immediately cashing it out worked, I went back and came out of the casino with 2 crisp 100$ bills never placing a bet.

urbandk84 , Kvnga Report

Final score:

40points

POST

Xray0976 8 months ago

$200, people!!!! Dollar sign first! I don't know why it's such a pet peeve of mine, but dangit people!

11points

#18

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On Old LL tried charging me a cleaning fee when i moved out for some very minor things, like hair on the window ledge? I had spent the whole weekend before i moved out cleaning the place so i know it wasnt in bad shape at all. I’m guessing they were going to have cleaners come anyway and wanted to find any reason to charge me.

Long story short, I fought it and won because local law said they had to send a claim via certified mail within 30 days, and all our communication was done via text or email.

Elfhoe , Ketut Subiyanto Report

Final score:

36points

POST

HTakeover 8 months ago

This is why you also film a walkaround without telling them.

21points

HopefulPaperFrog , cottonbro studio Report

#19

That you can get a divorce by default.

I legit cried after 2 years of struggling to get the papers signed, a divorce that he asked for too!

Final score:

35points

POST

El Dee 8 months ago

If one of you wants to end it then that should be enough..

12points

#20

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On I tried and failed to get tickets for the London Olympics via the main ticket application site. A small number of tickets are also sold by national associations and so I went through every single European countries' Olympic websites. Every one was in high demand or required being a resident except one. On the Icelandic website, the English version mentioned nothing but if you went to the Icelandic language version, then you could buy tickets for almost any event.

So I immediately bought the cheapest tickets for the 100m athletics final, the tennis finals, and the swimming finals.

jimbo5451 , Bogdan C Rogulin Report

Final score:

35points

POST

You stole that from Robocop 8 months ago

I think I bought mine from a Swedish website. Plus I used to work in Canary Wharf so used to pick up return tickets from Excel (they released new batches daily during the games).

1point

#21

To help build your kid's credit, make them an authorized user on your cards. Don't actually let them use it but your use and payment on your card seems to transfer to the kid. Step-son had a 730 credit score at 21 without ever taking out any cards/loans himself.

Another credit tip...if you file bankruptcy and need to build credit AND have some cash, take out a secured loan with a bank/credit union. You have to front the money in a savings account and make payments but there is no reason to get turned down and it rapidly builds your credit back.

pogulup , Anna Shvets Report

Final score:

30points

POST

Tobias Reaper 8 months ago

if you were made bankrupt there is no way you would ever get approved for a loan from any bank

4points

#22

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On “I know a guy” who worked at Outback Steakhouse as a server/bartender in college. Before his shift, he would go to giant eagle (grocery store that also has a gas station) and he would buy a bunch of Outback Steakhouse gift cards with his own money. When he did this, he would earn a bunch of discounts on fuel. He would keep the gift cards in his pocket during his shift. If a customer came in and paid for a meal with cash, he would put the cash in his pocket, then use one of the gift cards to close out the check. The customer paid cash… their bill was paid. Outback got the check paid for, just by gift card instead of cash. And that handsome young server/bartender got a free tank of gas about once a month.

JimothyButtkiss Report

Final score:

29points

POST

The Starsong Princess 8 months ago

And then he got fired.

4points

#23

Dismounting my biscycle near a zebra crossing turns me into a pedestrian who suddenly has the right of way, because I'm at a zebra crossing. This superpower will stop a Dodge friggin RAM! (btw I'm Dutch).

Jutter70 , Artem Saranin Report

Final score:

28points

POST

JB 8 months ago

This is a bit riskier in the Ram's home environment (the often non-pedestrian friendly USA)

34points

#24

I went to Hawaii all expenses paid for a job interview that I was not qualified for. 3 nights at a decent hotel and free airfare.

houserPanics , Thomas Report

Final score:

28points

POST

brittany 8 months ago

hubby sort of did the same thing. he was qualified and all but they didnt reveal till the interview that they didnt pay moving expenses despite knowing he was from several states over. he ended up not accepting the job bc we couldnt afford to move at the time

0points

#25

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On In college, I lived with my gf. We had renters insurance that I managed.

I left for 6 months to go to grad school in a different state, but only took a portion of my things.

She moved into a different place with a friend of hers. They decided that her friend would keep her rental insurance because it was cheaper.

They had a pipe burst while they were out of town for a few weeks and lost everything.

Turns out, her friends policy was cheaper because it was capped at 10k.

I'm lazy. I never called my insurance company to cancel my policy.

Mid way through their flight over the money, I called my company and said hey, I moved but didn't tell you, am I still covered? They were like 'sure, we insure your stuff, not the building '.

The claim ended up being close to 50k and was a nice way of replacing all my old c**p from college before starting real life.

Also, for the same claim, the adjuster got so tired of reviewing receipts they just paid the max and let it go.

DAM5150 , Dom Fou Report

Final score:

27points

POST

The Starsong Princess 8 months ago

Huh? The root cause was structural so the landlord’s insurance should cover it.

2points

#26

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On I had Domino's pizza app and they had a short lived code for a week mid pandemic for 50% off. They pulled the coupon but I saved the code. I manually input it every time I ordered. It worked for a year and a half and I saved a bloody fortune on pizza. It did sting alot afterwards having to look at regular price for a pizza. I did Friday pizza night every week for the family so it added up quickly.

Dice_to_see_you , Alan Hardman Report

Final score:

25points

POST

James Misson 8 months ago

In the UK it's impossible to buy a pizza from Dominos at full price. Every day there's some kind of offer

19points

#27

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On Obscure high end and totally overpriced food onlineshop had a rating feature that gave you reward points for the store.

Don´t remember how many points per review and they only accepted about 1 in 3 reviews that I wrote, but I was in school and had time.

Got about 200-250€ in overpriced food out of it, but hey it was free (since my time wasn´t valuable back then, or at least i thought so)

I was scared about the legality so i did not exploit it, by using multiple accounts.

I stopped after some months when they dropped the rewards feature.

Looking back, I am still amazed that nobody ever noticed that one person wrote about a 1000 reviews on expensive food items, but never bought anything (apart from the 3 or 4 orders I did, when I reached about 70€ in bonus points).

rukoslucis , Sergey Zolkin Report

Final score:

25points

POST

Heffalump 8 months ago

They didn't care if you were genuine: they were just happy to pay for the reviews.

25points

#28

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On At one point, there was a statute in Virginia that essentially said if there was no one manning the booth to get on the toll road, you were not responsible for a fine if you ran it (because otherwise you had to have exact change). But in my area, they ended up completely unmanned after a certain hour, so I had a letter I provided my friends as a template so that they could completely avoid this hefty fine. Worked for all of us.

Lulu_42 , Scott Webb Report

Final score:

24points

POST

Steve Hall 8 months ago

I have never understood why people tollerate this toll road BS. We pay taxes that build the roads. The cost of collecting tolls must outweigh the income.

2points

#29

Fines just mean legal for a price.

drleen , Sora Shimazaki Report

Final score:

21points

POST

Pandamanda 8 months ago

What if fines were a percentage rather than a set fee?

18points

#30

In college, I found out that placing a dime in the dorm basement vending machine and pressing the coin return immediately returned a quarter. Paid for a lot of laundry with that hack.

corbi20 , Alexandra Poliakova Report

Final score:

19points

POST

Ace 8 months ago

With that theft, you mean. Definitely not a 'legal' loophole.

24points

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#31

Not a legal loophole… but my parents had an incredibly strict rule that if a sport required a helmet or any safety headgear then that sport was too dangerous to play and was forbidden for me to participate. So no football , no ice hockey, no baseball or lacrosse, even squash and racquetball were tenuous(safety eyewear requirement); I could only play tennis and golf. But as a teenager, I really wanted to play a contact team sport. That’s when I discovered rugby. My parents had never heard of it and when I told them that it didn’t require a helmet, thus satisfying their rule, they signed off on it, and I played for a local men’s club my senior year of high school before I moved out to go to college where I played for another four years away from their judgement.

MeloYelo Report

Final score:

16points

POST

Camber Hollywood 8 months ago

TBI is rampant in rugby.

2points

#32

You can legally buy magic mushroom spores on the clear web.

Growing them from spores>mushroom is the "illegal" part, and it's also trivially easy (they grow in cow s**t for crying out loud).

For $50 of supplies you could - in theory - have a lifetime of medicine. r/unclebens.

Mr___Perfect Report

Final score:

14points

POST

RamiRudolph 8 months ago

TIL that some people call the normal internet the "clear net".

19points

#33

Not a legal loophole, but a business one.

The New York Yankees in their late 90s heyday had a trick to get playoff and world series tickets. Since orders were taken over the phone and batch processed over night, there would inevitably be data entry errors or over limits that would kick a sale back and those tickets back into the available pool.

Simply calling at opening the day after tickets went on sale got us tickets to every post season game we wanted to go to for years until they switched to real time credit card processing.

ModernSimian Report

Final score:

13points

POST

Bookworm 8 months ago

Clever and completely above-board - they just figured out when tickets that had been sold in error would become available again, and called at the right time to purchase them.

0points

#34

If you move from the USA to another country, your credit score doesn’t transfer and you can start over without whatever medical/student loan/any other debt you have. Obviously not an option for a lot of people, but hey.

clanculcarius Report

Final score:

13points

POST

User# 6 8 months ago

What other country uses credit scores?

5points

Pretend_Speech6420 , Christine Sandu Report

#35

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On Health insurance policies regulated by my state (VA) require the value of pharma company coupons/rebates to count towards my deductible and max out of pocket. So I can blow through my HSA eligible level deductible for $25 with the first 90 day fill of a qualifying medicine.

Final score:

12points

POST

El Dee 8 months ago

I don't understand any of this..

2points

kittykittysnarfsnarf , Leeloo The First Report

#36

You can get college credit in high school and you don’t have to pay for it.

Final score:

11points

POST

Papa 8 months ago

It must be different where OP went to school, because both of my children took college credit classes in high school and I definitely had to pay for them. It was much less than the classes would have cost in college, but they weren't free.

4points

#37

My brother is one to always look for deals. Years ago he stumbled across this deal for movie tickets to a certain theater chain. But this was large number of tickets that were all about to expire the next day and be worthless. Sluething around online he Somehow found a way to renew all these movie Tickets at no charge. He bought $1500 worth of movie tickets for about $5. We saw so many movies that year.

Bacon-man22 Report

Final score:

11points

POST

Svenne O'Lotta 8 months ago

More annoying búllshit from Adrian?

4points

#38

You can experiment on yourself all you want and don't need legal permission to do so.

LexGlad , Chokniti Khongchum Report

Final score:

10points

POST

wowbagger 8 months ago

Yeah, but your n always = 1, so you don't really learn a lot.

9points

TheLemonyOrange , Christopher Bill Report

#39

30 People Share What Loopholes They Exploited Until Someone Realized What Was Going On UK focused, I have zero idea about other countries.

Paying yourself dividends from your company is taxed at 8.5% if you're a basic rate tax payer (below 33.x thousand a year), 33% when you're a higher earner. So it's sensible to pay yourself dividends instead of a wage in most cases. As someone with a full time job and 2 small businesses I operate, it has made my year to learn this. Now I can top up my pay from my job with dividends and pay less tax than if I paid myself a wage or worked more hours as my traditional job.

Final score:

10points

POST

Flora Porter 8 months ago

Presumably the OP also tales a director's salary at just below the annual allowance so they pay minimal NICs and no tax. You need some NICs so you don't miss out on the state pension, which for many of us is what we're going to have to live on. If you have a limited company (personal service vehicle) with any surplus income, you can pay some of that directly into a pension as your 'employer', which also reduces your corporation tax demand.

4points

#40

When I turned 18 in Louisiana, it was illegal for me to buy alcohol BUT not illegal to be sold alcohol.

So everyone 18 - 20 could buy drinks no problem - and did. No problem with bars, drive through daiquiri, beer barns etc.

I don't think it changed for decades or more.

maelish Report

Final score:

10points

POST

nancy 8 months ago

Where I am, it's legal to serve alcohol (as a server or bartender) at 18, but you can't drink until 19. Very odd.

3points

#41

A cop in Toronto told me this one, and it worked. Not sure if it still works with apps.

I parked on a street many years ago in Toronto with a machine to put in money and get a receipt.

If you don’t pay at all, they tow your car.
If you pay for 15 minutes, you get a ticket.

If you have US plates on a car, the parking ticket doesn’t cross the border. .

MadisonBob Report

Final score:

10points

POST

Ace 8 months ago (edited)

Going back many decades it was technically difficult for police and courts to follow up foreign drivers for traffic fines. These days most countries have agreements about sharing driver information in such cases and computer systems make it easily enforceable. I don't know for sure about US/Canada but would be astonished if this sort of 'loophole' hadn't been fixed a long time ago. Oh, and aso, what hapepend next time you went to Canada and found there was a warrant out on you for the outstanding ticket?

5points

#42

Lying on your resume is fine.

Goatgoatington , Sora Shimazaki Report

Final score:

9points

POST

jade s 8 months ago

Actually now that I think about it, fraud is lying for financial gain so lying on a resume at all is fraud. A recognised crime.

11points

#43

My wife got a red light camera ticket with her picture taken but it was issued to me since the car was registered under my name. I did some research and decided to fight it. Went to court and said the magic phrase, mistaken identity. The judge took a look at the picture and at me. Dismissed the case. .

greendev Report

Final score:

8points

POST

RAM31280 8 months ago

I know this doesn't work in IL, I know a woman who was out of the country, her boyfriend denied using her car, as she did not give him permission to use it, but he got a red light ticket, she tried to fight it in court, and since her car was not reported stolen she was still liable for the ticket issued to her car.

1point

#44

Work for lawyers and get paid to get legal advice.

sun4moon , Karolina Grabowska Report

Final score:

8points

POST

#45

Estate and Gift Tax Portability and the Deceased Spousal Unused Exclusion

Let's say a very, very wealthy woman with kids doesn't want to pay estate or gift taxes when transferring her enormous wealth to her children. Right now, you can transfer $13.61 million to your kids estate and gift tax-free (there are some additional amounts I'm leaving out for simplicity), and the estate and gift tax is only on what's in excess of that. The first $13.61 million that you're not taxed on is called your estate and gift tax exemption. But this lady has $100 million plus and she doesn't want to pay estate and gift taxes on any of it when transferring it to her kids.

What she can do is go find a poor geezer on his deathbed, marry him, and when he dies, she is allowed to transfer his unused $13.61 million exemption (he's poor and didn't use any of his) to herself. This transfer of the exemption is called portability. Now, she can give ~$27 million to her kids, estate and gift tax free. This is a bit of a loophole - a $5 million dollar loophole, which is the amount of tax saved by electing and using portability.

But here's where the REAL loophole comes in. Your exemption is determined at the time of the gift, and the portable part is based on your last deceased spouse at the time of the gift, assuming you took the steps to transfer their exemption to yourself. So what she can do is then find and marry another poor geezer on his deathbed who hasn't used his exemption. She can then transfer his exemption to herself when he dies. Now he's her last deceased spouse. She can then gift another $13.61 million to her kids' tax-free using his unused exemption that she transferred. Rinse and repeat, and she can essentially gift unlimited amount of money to her kids, estate and gift tax-free, and the only thing slowing her down is how long it takes the poor geezers, whose estate and gift tax exemptions that she's farming, to die.

Mac11187 Report

Final score:

8points

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Jenn Smith 8 months ago

Spoken like a politician or CEO. Impressive, if you're into fraud and shady b******t

2points

#46

Have everything put into an irrevocable trust.

If your car is damaged by a pot hole, go to the cities website and search for the road maintence and car repair portal and you can get reimbursement, just document and keep records.

ReferenceMuch2193 Report

Final score:

7points

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nancy 8 months ago

How are these two things related? Is the trust related to potholes? or are these two separate unrelated ideas.

6points

#47

Not really a legal loophole but more a poorly programmed mobile app. Me and my coworkers used the subway app for our lunch, it would generate 1 coupon per day. Most of these coupons werent that great however there was a rare 50% off coupon that had like a one in 10 chance of 'spawning'. The trick was this app just checked the local device time so if you switched the date a day forward you would get a new chance. Needless to say my coworkers and I always showed up with the 50% off coupon untill they deprecated the app for a new system. Was fun while it lasted 😆.

Selwyn420 Report

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7points

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Adrian 8 months ago

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#48

This is more malicious compliance, but at our old office people used to openly snack at their desks. When we changed offices, snacking was strictly prohibited outside of designated eating areas. The loophole was that I would just regularly snack by eating out of a coffee cup of trail mix.

breadispain Report

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6points

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Ms.GB 8 months ago

Where's Adrian? Don't you want to lock this person up for unlawful snacking?

5points

#49

I am convinced at this point that jury duty is voluntary and the legal "threats" for not showing up are completely empty. Given that nearly half of Americans just throw the summons in the trash, there is no real way for the legal system to realistically crack down on this.

twenty42 Report

Final score:

6points

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arthbach 8 months ago

A little story about jury service in my country. There was a big trial, and 60 were called for jury selection. People arrived. Some said, "I can't do it because.." and they were excused. Ten people didn't show. Once the jury was selected, the judge then instructed the clerks of court to start proceedings against everyone who failed to show. These people were then prosecuted for failure to appear after a summons by the court, and were fined. The fine is up to £1000.

4points

#50

Refinancing your home for more than you owe to get cash to "pay down some bills" lowers the equity in your home...thus you don't have to give your ex as must as he thought he'd get when you decided to sell it.

It's only me on the mortgage and title but since *I* bought it after we were married it is a martial asset as far as my state is concerned and he was entitled to half the equity (despite paying $0 into it at all). The divorce was written that he'd get half the *current equity* when I decided to sell or $50k...whichever is lower. I had it worded that way because I wasn't about to let him take advantage of the appreciation over time because the market here has been crazy...didn't realize I was building an out for myself when I did it. I offered him $30k at the time of the divorce to buy him out but he refused saying he'd rather wait and get $50. Little does he know, that gave me time to learn a thing or two.

ETA: Good grief, I didn't really expect this to see any attention or get comments back. This isn't who I am. I wish it were, but it's not. He'll, sadly, get his $50k because I'd actually feel bad and be too paranoid to pull it off. It has come up in conversations as a revenge fantasy, as someone put it, but I wouldn't actually do it. I'm not an idiot to post a real plan online. Just to further clarify who I am as a person: my fiance was rear-ended by a corporate owned snow plow this winter, it totaled his car and he was upside down on the loan since it was a new car. Everyone, including our insurance agent kept telling him/us to sue the company for s**t tons of money. We asked the company if they would settle for the balance of the payoff that he owed, plus the down payment for his new car plus an extra $500 for the hassle of it all.

Robineggblue84 Report

Final score:

6points

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meeeeeeeeeeee 8 months ago

The eta makes me sad. She's so needy for the approval of strangers. Just switch your computer off, love.

1point