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'Really, really scary': Dave Ramsey urges caller not to join grandma's scheme to deceive IRS about $1 million debt
'Really, really scary': Dave Ramsey urges caller not to join grandma's scheme to deceive IRS about $1 million debt

Yahoo

time6 hours ago

  • Business
  • Yahoo

'Really, really scary': Dave Ramsey urges caller not to join grandma's scheme to deceive IRS about $1 million debt

Sarah and her husband rent a place in Los Angeles and are expecting their first child. But she called into The Ramsey Show because of a tricky situation involving her mother-in-law, homeownership and the IRS — one that caught host Dave Ramsey off guard. Why? Because this caller's situation includes $1 million in debt and potentially deceiving the IRS. 'Sarah, there's just so much going on here that you're not talking about or you don't know,' Ramsey said in a clip posted July 12. 'And it's really, really scary. There's a line of crazy running through this conversation.' Don't miss Thanks to Jeff Bezos, you can now become a landlord for as little as $100 — and no, you don't have to deal with tenants or fix freezers. Here's how I'm 49 years old and have nothing saved for retirement — what should I do? Don't panic. Here are 6 of the easiest ways you can catch up (and fast) You don't have to be a millionaire to gain access to this $1B private real estate fund. In fact, you can get started with as little as $10 — here's how Here's what was revealed during the exchange. A questionable situation Sarah's mother-in-law currently lives with the couple in their rental home. However, Sarah says her grandmother-in-law has offered to buy her mother-in-law a house in Sarah and her husband's names so her mother-in-law 'is not docked by her unpaid debts from the IRS' — and the three would continue to live together in the new house. Shop Top Mortgage Rates Personalized rates in minutes A quicker path to financial freedom Your Path to Homeownership 'She has a lot of unpaid debts and so grandma is trying to take care of her by providing a home,' Sarah said. Her mother-in-law, 55, is going through a divorce and lost her job in September after a corporate restructuring. Right now she's making DoorDash deliveries to bring in some extra cash. She's also apparently $1 million in debt. When Ramsey asks why her mother-in-law is almost $1 million in debt, Sarah responded: 'I don't ask questions.' Sarah says she adores her mother-in-law, but wants to know if this setup would be a wise decision and, if so, what they need to 'have on paper.' Read more: Want an extra $1,300,000 when you retire? Dave Ramsey says — and that 'anyone' can do it Why this is unethical Ramsey answered clearly: 'I would not do this.' He said, by doing so, 'you are tying yourself to people you don't ask questions about, permanently, and you are taking away her reasons for getting back on her own feet. This is not good. It is not healthy.' He said Sarah's mother-in-law needs to recover from the grief that comes from ending a marriage and experience 'what's known as a life — not hiding at her son's house from reality.' Secondly, 'the whole reason to do this is to deceive,' he said. 'Your grandmother-in-law is teaming up with her daughter and using you guys to deceive the people that she owes,' Ramsey said. 'This is deception and I'm not going to participate in that. It's a lack of integrity. It's unethical.' Ramsey guessed the debt belongs to the mother-in-law's ex-husband — perhaps unpaid IRS debt from a failed business venture. It's possible the mother-in-law had nothing to do with it, in which case she could potentially get rid of the debt using innocent spouse relief. Innocent spouse relief can 'relieve you from paying additional taxes if your spouse understated taxes due on your joint tax return and you didn't know about the errors,' according to the IRS. 'I got a feeling she didn't buy purses to get to a million dollars [in debt],' Ramsey said. If the mother-in-law qualifies for relief and grandma wants to give her daughter some money to clean up any debt that's left over, 'I got a feeling it's not going to be that much,' Ramsey said. He also believes this is a better option than buying a house under deceitful circumstances. 'That would be the ethical thing,' he said. 'Try to settle it.' What to read next Robert Kiyosaki warns of a 'Greater Depression' coming to the US — with millions of Americans going poor. But he says these 2 'easy-money' assets will bring in 'great wealth'. How to get in now Accredited investors can now buy into this $22 trillion asset class once reserved for elites – and become the landlord of Walmart, Whole Foods or Kroger without lifting a finger. Here's how Rich, young Americans are ditching the stormy stock market — here are the alternative assets they're banking on instead Here are 5 'must have' items that Americans (almost) always overpay for — and very quickly regret. How many are hurting you? Stay in the know. Join 200,000+ readers and get the best of Moneywise sent straight to your inbox every week for free. This article provides information only and should not be construed as advice. It is provided without warranty of any kind. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data

Faire Appoints Former DoorDash COO Christopher Payne to Board of Directors
Faire Appoints Former DoorDash COO Christopher Payne to Board of Directors

National Post

time19 hours ago

  • Business
  • National Post

Faire Appoints Former DoorDash COO Christopher Payne to Board of Directors

Article content SAN FRANCISCO — Faire, the leading global wholesale platform powering independent retail, today announced the appointment of Christopher Payne, former President and Chief Operating Officer of DoorDash, to its Board of Directors as Independent Director and Chair of the Compensation Committee. A veteran technology leader with more than three decades of experience scaling some of the world's most innovative platforms, Payne joins Faire at a period of rapid global expansion. Article content During his tenure at DoorDash, Payne was instrumental in scaling operations, driving growth, and leading the company through its successful IPO on the New York Stock Exchange in 2020. Earlier in his career, he served as CEO of Tinder, and as Senior Vice President of eBay North America following the acquisition of his startup Positronic. He also previously held senior leadership roles at Amazon and Microsoft. He currently serves on the boards of Hims & Hers and Robinhood. Article content Article content 'Christopher brings a rare combination of operational excellence and visionary leadership,' said Max Rhodes, co-founder and CEO of Faire. 'He has played a key role in building some of the world's most innovative platforms that empower entrepreneurs and reshape industries. His expertise will be critical as Faire enters its next phase of innovation and scale.' Article content Payne's appointment follows a period of sustained business momentum and expansion for Faire. The company grew Q2 revenue nearly 30% year-over-year, tracking towards even faster growth over the last two months. Additionally, Q2 marked eight consecutive quarters of accelerating platform GMV. This year Faire also doubled its international footprint, launching in 15 new markets across Europe and New Zealand. Today, the platform connects 100,000 brands across 120 countries with hundreds of thousands of retailers in North America, Europe, Australia, and New Zealand. Article content 'With a data-driven approach, expanding global reach, and a mission rooted in entrepreneurship, Faire is redefining how independent brands and retailers scale,' said Christopher Payne. 'Max and the team are building one of the most exciting platforms in commerce today, and I'm proud to support them in this next phase of growth.' Article content Payne follows the recent board appointment of Lauren Cooks Levitan, former CFO and President of Faire – further strengthening Faire's leadership as it scales to meet the growing needs of its global community. Article content About Faire Article content Faire is an online wholesale platform used by independent retailers to discover, source, and sell unique products from around the corner and around the world. Faire's data-driven approach levels the playing field for independent retailers by offering net 60 payment terms and free returns on opening orders, eliminating inventory risk and providing access to capital—key offerings previously only available to the largest retail chains. For brands, the platform provides powerful sales, marketing, and analytics tools, so sellers can simplify their wholesale business and focus on making great products. To date, Faire has facilitated over 10M new connections between brands and retailers on the platform. For more information, visit Article content Article content Article content Article content Article content

CHARLEBOIS: Why DoorDash's price tactics should worry us all
CHARLEBOIS: Why DoorDash's price tactics should worry us all

Toronto Sun

timea day ago

  • Business
  • Toronto Sun

CHARLEBOIS: Why DoorDash's price tactics should worry us all

This case is not just about a single company's practices — it's about maintaining integrity in a digital marketplace that millions rely on The DoorDash food delivery application. Photo by ERIC BARADAT / AFP via Getty Images Some may dismiss food delivery users as lazy, but that stereotype ignores reality. Many Canadians rely on apps like DoorDash or UberEats not by choice, but out of necessity — due to limited mobility, demanding schedules, or even inclement weather. This advertisement has not loaded yet, but your article continues below. THIS CONTENT IS RESERVED FOR SUBSCRIBERS ONLY Subscribe now to read the latest news in your city and across Canada. Unlimited online access to articles from across Canada with one account. Get exclusive access to the Toronto Sun ePaper, an electronic replica of the print edition that you can share, download and comment on. Enjoy insights and behind-the-scenes analysis from our award-winning journalists. Support local journalists and the next generation of journalists. Daily puzzles including the New York Times Crossword. SUBSCRIBE TO UNLOCK MORE ARTICLES Subscribe now to read the latest news in your city and across Canada. Unlimited online access to articles from across Canada with one account. Get exclusive access to the Toronto Sun ePaper, an electronic replica of the print edition that you can share, download and comment on. Enjoy insights and behind-the-scenes analysis from our award-winning journalists. Support local journalists and the next generation of journalists. Daily puzzles including the New York Times Crossword. REGISTER / SIGN IN TO UNLOCK MORE ARTICLES Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account. Share your thoughts and join the conversation in the comments. Enjoy additional articles per month. Get email updates from your favourite authors. THIS ARTICLE IS FREE TO READ REGISTER TO UNLOCK. Create an account or sign in to continue with your reading experience. Access articles from across Canada with one account Share your thoughts and join the conversation in the comments Enjoy additional articles per month Get email updates from your favourite authors Don't have an account? Create Account What's truly lazy is the platform's approach to pricing transparency. Abusive pricing is abusive pricing, regardless of convenience. DoorDash, a dominant player in the food delivery economy, is now at the centre of a major legal challenge. In June 2025, the Competition Bureau filed an application with the Competition Tribunal alleging that DoorDash misled consumers by advertising deceptively low prices, only to reveal unavoidable fees — service charges, regulatory recovery costs, and small-order surcharges — at the final stage of checkout. Known as 'drip pricing,' this tactic is precisely what recent amendments to the Competition Act were designed to eliminate. This case is not just about a single company's practices — it's about maintaining integrity in a digital marketplace that millions of Canadians now rely on to access food. According to the Bureau, DoorDash may have collected nearly $1 billion in hidden fees from Canadian consumers over several years. That equates to about $25 per Canadian — an enormous figure in a country where food inflation has already strained household budgets. Your noon-hour look at what's happening in Toronto and beyond. By signing up you consent to receive the above newsletter from Postmedia Network Inc. Please try again This advertisement has not loaded yet, but your article continues below. Importantly, this isn't the first such case. In 2024, Cineplex was fined $39 million for similar drip pricing tactics involving hidden booking fees. But unlike movie tickets, food is not discretionary — it's a necessity. When essential purchases are subject to opaque pricing models, it undermines not just trust but fairness in the market. DoorDash has now responded by claiming that all fees were 'prominently displayed' before customers confirmed payment. They also argue that consumers had alternatives: Subscribe to DashPass, choose pickup, or spend more to avoid certain charges. From a legal standpoint, these defences may hold weight. But from a food economics perspective, they miss the point. If the price consumers click on is not the price they ultimately pay, then price signals are distorted — and markets cease to function efficiently. This advertisement has not loaded yet, but your article continues below. Consumer protection laws are meant to ensure pricing clarity, not reward platforms for building in workarounds. For some users, especially older adults or people with disabilities, these apps can be overwhelming. Complexity is not an excuse for opacity. Read More This issue also reflects a broader transformation in how Canadians access food. Delivery is no longer a luxury — it's a normalized channel in the food economy. From urban centres to rural communities, Canadians are using apps for groceries and meals because traditional access points may be limited. This makes transparency not just a legal matter but a public policy concern — one tied to accessibility, equity, and digital literacy. This advertisement has not loaded yet, but your article continues below. When trust erodes in digital food markets, platforms don't just face legal penalties — they risk reputational damage that can be difficult to repair. The entire value proposition of delivery hinges on convenience and reliability. When pricing is unclear or misleading, both are compromised. In an increasingly digital food system, transparency is currency. If DoorDash and its competitors wish to preserve their role in this ecosystem, they must commit to clear and upfront pricing. The Competition Bureau's intervention is timely and warranted, but it also prompts a broader question: Why are other platforms not being scrutinized under the same lens? Charging fees for service is acceptable in a market economy. Concealing those charges until the final screen is not. In the food space, where trust is everything, transparency isn't a courtesy — it's an obligation. — Dr. Sylvain Charlebois is the Director of the Agri-Food Analytics Lab at Dalhousie University and co-host of The Food Professor Podcast. He is currently a visiting scholar at McGill University in Montreal. MLB Sunshine Girls Opinion Toronto & GTA Toronto & GTA

Lag between Introduction to implementation: Why gig economy needs a human touch
Lag between Introduction to implementation: Why gig economy needs a human touch

First Post

timea day ago

  • Business
  • First Post

Lag between Introduction to implementation: Why gig economy needs a human touch

An International Labour Organisation report defined the gig economy as 'labour markets that are characterized by independent contracting that happens through, via, and on digital platforms.' This sector boomed at the onset of the Covid-19 crisis and has continued to grow exponentially globally with a compounded annual growth rate of 16.18 per cent between 2025 and 2033. Most digital labour platforms classify gig workers as 'independent contractors' or 'freelancers'. This means they shift the risks associated with labour onto the workers themselves and reduce labour costs. Most importantly they represent the company they work for but they are not on their payrolls. Workers, in return, theoretically gain flexibility and autonomy over their working hours. This fundamental model has been adopted worldwide by platforms like DoorDash, Uber, Glovo, and Swiggy among others. However, as the gig economy has grown, so have its problems. STORY CONTINUES BELOW THIS AD Dark side of the gig boom In 2025 the Human Rights Watch published an article titled The Gig Trap: Algorithmic, Wage and Labor Exploitation in Platform Work in the US, which detailed the condition of the gig economy in the United States and the exploitative practices workers are forced to endure. Those deliveries within minutes from food to books to apparel display the might of the digital but hide the miseries of those that land on your doorstops to deliver. These digital platforms shadow their workers constantly more to monitor rather than secure and collect data on everything they do from 'office badge swipes, email exchanges, browsing histories, keystrokes, driving patterns, and rest times' to social media usage and health and fitness habits. Mobile usage is a phenomenon in India and the apps that make daily lives easier for the people whether you are based in a Tier-1 or Tier-2 city or even a Tier-3 area are being used daily at madding pace. There is no doubt that the gig trend has increasingly generated jobs over the years but unfortunately even India is not free from the algorithmic management of the workforce who live under constant pressure to perform and maximise on deliveries. Gig workers are perennially caught in the nightmarish thoughts that their IDs will be suspended or their accounts will be deactivated if they don't fulfill the unknown requirements of the algorithm. More from India Has Nimisha Priya been pardoned in Yemen? How Grand Mufti's big claim has been refuted Additionally, aggregators have begun to take higher commissions with companies like Uber and Ola taking 40 per cent and 30 per cent commissions, respectively, from their drivers. Long shifts, unsafe working conditions, and dangerous driving have grown to be a part of every Indian gig worker's life. The gig economy is a sector with massive potential in the Indian context, with the ability to provide up to 90 million non-farm jobs and an additional 1.25 per cent to the GDP in the long-term. However, as platforms become ambitious and workers become frustrated, the widespread labour rights issues could overshadow the economic boom. Global push for platform regulation A pioneer in gig economy legislation, Spain's left-wing government passed the Rider's Law in August 2021. This law reclassifies Spain's food-delivery 'riders' from freelancers to employees, thus giving them access to rights such as fixed pay and sick leave. However, platform companies in the Spanish market such as Deliveroo and Uber Eats have found it easier to face the fines incurred by non-compliance rather than reclassify their delivery riders as employees and raise operational costs. Three years after the law passed, facing legal challenges, Glovo announced its decision to switch to an employment-based model. This switch is predicted to lose the company €100 million in profits over 2025. Spain's story is a key example in the progress of gig economy regulation: the introduction of laws with lagging implementation. India is one of the largest contributors to the global gig economy and, according to Niti Aayog, is projected to grow to 25-35 million gig workers by 2029-30. Unfortunately, this gross expansion comes at the cost of the workers themselves. Rajasthan, under the Congress chief minister Ashok Gehlot, pioneered gig economy regulation in 2023 when it passed The Rajasthan Platform-Based Gig Workers (Registration and Welfare) Act, 2023. However, two years and a change in governance later, the Act is still to be implemented. In May 2025, Karnataka passed The Karnataka Platform Based Gig Workers (Social Security and Welfare) Ordinance, 2025 in an attempt to regulate the gig economy after an increase in strikes in the Bengaluru region. Implementation of the measures detailed in the Act are said to begin six months after passing, and thus only time will tell. Both the International Monetary Fund and World Bank have recognised the labour rights issues of the gig economy as an important one. The IMF recognises that regulating gig economy platforms as employers is a central public policy issue. This would enable the gig workers to formally engage in collective bargaining and create a grievance redressal mechanism. It also emphasises the need for regulations that address income instability, lack of job security, and the absence of social protection for gig workers. The World Bank has noted that inclusive legal infrastructure is considered crucial for sustainable gig work and consequently recommends an incremental, data-driven approach. By using regulatory sandboxes to innovate and experiment with social insurance, collect gig worker data, and build a regulatory framework, the World Bank presents a model that can allow stakeholders to keep pace with digital labour markets. STORY CONTINUES BELOW THIS AD When interests collide The gig economy is new. New for consumers, for labourers, for business, and for the government. It is ultimately a game of satisficing where companies look for profit, workers look for salary and the government looks for policy. As the gig economy and digital labour markets dynamically evolve and change, countries around the world attempt to regulate them. The problem, however, will not be the introduction of laws but rather the implementation of them. For a country like India, where digital is the newfound soul to function, the government must ensure that the hearts that beat behind this revolution are not caught in an unending tale of despair. From labour-friendly policy formation to ensuring companies follow them to the tee or else face strict penalties, the government can make a huge difference in the way the country's gig economy functions. Unlike Spain, where profit-driven businesses stand in defiance of increasing regulatory pressures that have been mounting since 2021, India can script a hopeful and helpful gig economy future.

I was babysitting and received a furious text from the kids' mum because I ordered DoorDash
I was babysitting and received a furious text from the kids' mum because I ordered DoorDash

Daily Mail​

timea day ago

  • Daily Mail​

I was babysitting and received a furious text from the kids' mum because I ordered DoorDash

A babysitter has found herself out of a job after a furious mother fired her on the spot - all because she ordered herself some dinner. The woman, who shared her story in a Reddit post, revealed she was watching two toddlers when hunger struck, prompting her to place a DoorDash food order. The children were asleep, the parents were already two hours late, and she hadn't eaten since lunchtime. But none of that mattered to the mum, who branded her behaviour irresponsible in a now-viral series of texts. 'I hadn't eaten since lunch and thought I'd be done by eight like they mentioned,' the babysitter explained in the post. 'I started getting a headache and really needed to eat something. I've ordered food before while babysitting and it's never been a problem, so I didn't think it would be an issue.' But what she thought was a harmless snack sparked an angry tirade from the children's mother, who was monitoring the home through a Ring doorbell camera and spotted the food being delivered. 'Hey our ring just showed someone at the door,' the mum texted. 'Was something delivered?' When the babysitter replied, 'Yes, I didn't eat dinner so I ordered DoorDash,' the mum's tone quickly changed. 'Okay we'll talk when we get home, but I'm really concerned that you would do that without asking first,' she wrote. 'I would never be okay with a stranger coming to the door while my kids are sleeping.' 'Please check to make sure the storm door is locked as well since you opened it.' The babysitter apologised, reiterating that she'd waited until the delivery driver had left before quietly stepping outside to quickly collect the bag - and ensured all doors were locked behind her. 'I honestly didn't think it would be a problem,' she replied. 'I'm always hyper aware of safety and would never do anything that I felt put the kids in my care at risk.' But the mum wasn't having it, and was still clearly angry. 'I get that you were hungry, but it's more about the fact that someone came to the door without my knowledge and you left them in the house alone while you grabbed it,' she said. 'If something had happened, it just makes me really nervous. You could have eaten from the cabinet. This is my home and my kids, and I need to be able to fully trust who's here.' The children were asleep, the parents were already two hours late, and she hadn't eaten since lunchtime. But none of that mattered to the mum, who branded her behaviour irresponsible in a now-viral series of texts The babysitter was told the family could no longer trust her and that her services were no longer needed. The post has since gone viral, racking up thousands of views and triggering a wave of support for the babysitter, who many argue was treated unfairly. One commenter, who identified themselves as a parent, wrote: 'I'm a mum and I would be so embarrassed to be that late, let alone leaving a babysitter with no food. She should have offered to DoorDash whatever you wanted at her expense.' Another pointed out the irony of the situation: 'She found you on Facebook and barely asked any questions before leaving her two babies with a total stranger. But a sandwich on the porch is the line? That's wild.' Dozens of others agreed, calling the mum's behaviour 'over-the-top,' 'controlling,' and 'hypocritical.' 'They are majorly overreacting,' one user wrote. 'You didn't leave the kids alone while you got your food. You opened the door, grabbed it, and locked everything behind you.' Another summed it up bluntly: 'People are crazy. If you're THAT concerned about your kids, maybe you should take care of them yourself.' While the babysitter admitted she was shocked and upset to lose the job, commenters were quick to reassure her she was better off. 'Not sure that it sucks that this client was lost,' one Redditor wrote. 'Probably a blessing. They're two hours late getting home, but God forbid the babysitter orders something to eat.' Another added: 'You didn't lose a client - you dodged a nightmare.' Despite the controversy, the babysitter said she stood by her actions, saying she prioritised the children's safety and would never leave them unattended for any longer than absolutely necessary. As the post continues to gain traction, it's sparking a wider debate online about the unrealistic expectations some parents place on caregivers, especially when they don't even offer so much as a granola bar in return.

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