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I've had the same thing happen around New Years, Klippy. It isn't pretty...the person used 13,000 at a JC Penny's 4 states away. I really hope things look up in your situation :/
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I had a credit card when I was in 5th grade and some kid ran past my table and took my whole wallet from me as I was pulling money out of it and even though we searched everyone in the school we never found my wallet, my card, or the cash I had in it. I felt so bad about losing it that I didn't tell my mom for almost a month and by that time there was around 8,000 charged to it. I don't keep my cards on my person anymore, I only keep at most $100 in my wallet and my ID. Other than that my wallet is pretty empty.
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Wow, that's such a pity. I've never really been robbed or had anything stolen from me in such a blatant way. Only thing might be a cellphone at a mall once.
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Yeah, that sounds like an opportunistic middle-aged woman blowing a ton of money on clothes at JC Penney's, not some guy. That sucks though. :/
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I had my first debit card in 9th grade, but it was ridden with pay-us-'cause-you-have-to money-for-nothing fees, and this past summer I got an actual credit card from my mother's private credit union. I feel a little bit special in the fact that you can't get membership unless you're active or retired military or have someone already with an account to vouch you in. :3 Private banks are just sickening. Is it just me or does one of the samples in Kanye West's Guilt Trip sound like my video cassette head cleaner? Kanye be cleanin' my VCR |
Banks. . . I am a responsible person. I have no debt. I have owned a house, two cars, I'm currently renting and I have some really nice things. I see something I want (Big Bike), I ask my bank of over five years to spot me: "You have no credit, so we can't do jack-all for you." What a piece of garbage. So the time I've spent with them means nothing, great. If I pay cash for everything people thank me, when I want to give them money at a later date, no going. I've always used cash or debit. Never trusted credit cards, so when I finally apply for one, I'm always disqualified. For everything. Not even a damn grocery store. . . something is very wrong here. Doesn't help that they hurt my nonexistent credit by checking, the bastards.
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I'm largely cash and debit day-to-day, but I understand the importance of credit so I use it when purchasing online, have some reoccurring bill, gas (because then I get Air Miles XD) |
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Without credit it's hard to get a car loan, a bank loan, a student loan, a mortgage, an apartment, basically anything that requires them to trust you to pay something regularly. With no credit they have no way of knowing if you can handle paying something back because you've never done it before, so you're a massive risk to them. |
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There are lots of things where it makes no sense to take out a loan for them, but there's also good debt like when I needed a car to get back and forth from work but, due to not having the job yet, didn't have the money to pay for one up front that would actually be reliable, so I had to take out a loan to cover it that I'm paying back fairly quickly (took it out in June, should be paid back in September/October). Cars, houses, education, those things are often more efficiently paid for through loans, while proving that you can be responsible with debt in case something ever goes wrong and you need it. |
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As far as circumstancial pinches like the one you described above go, knowing people really helps, and more than just in spotting money or whatever. A few years ago two friends of ours were there to give us rides when we had car troubles we couldn't deal with immediately, and it was a live saver. And unless you're living out in the sticks, why is a car really necessary? Most developed cities have more than sufficient public transportation in the event you don't "know a guy". There are so many more options aside from going in the red. |
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It's always easier to backseat drive someone's life, especially when you're not in a situation to have those experiences for yourself. |
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It'd be a lot more lucrative (and secure too) to have a decent cashflow and save for the things you want, pay in cash, and be done with it. The banks are ludicrous enough as it is. Obviously one can live without credit in the modern world, meaning debt is generally incurred by luxuries… and if they're luxuries you'll save a fortune by being your own creditor because in reality you can wait. Quote:
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Two hours != four hours, and school != work. I never said debt wasn't superfluous in some cases - if I really really really needed to, I could live without a car. I could take the gamble and spend 500 on a car and hope it doesn't break down in a year, if it was necessary. But it is better, more efficient with my time, and makes more logical sense to take out a small loan and get something I can rely on and save massive amounts of time, allowing me to improve myself in my free time or work more to make more money.
Just because you can do something one way doesn't mean it's the best way! I could ride a unicycle to work every day, doesn't mean if I did that I'd be making the best decision I can make with my time and money. |
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More information: http://en.wikipedia.org/wiki/Base_rate_fallacy Quote:
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In general: http://en.wikipedia.org/wiki/Existential_fallacy, http://en.wikipedia.org/wiki/Reification_(fallacy), and http://en.wikipedia.org/wiki/Confirmation_bias |
So you've resorted to not making any real points. Put it this way: the loan I took out was for 3500, give or take. I'm saving 20 hours a week with it. If you pay it off through an average 48 month repayment period with an average 4% interest, it's 79 a month, or roughly $0.43 per hour on the road. My time is worth far, far more than $0.43 an hour. The things I could be doing are worth more than $0.43. Maybe your time is worth nothing because all you do is screw around, that's your call! Or maybe you just devalue yourself and it is worth something but you don't see the value in having more time so it doesn't occur to you that way. But I'm confident that my decision to take out a loan was the most responsible way of spending my money. Whether someone without any actual experience in serious money management disagrees is pretty irrelevant.
For the record, referencing something having a risk involved does not mean I'm assuming the risk would happen (and my points were very relevant), so either you don't understand what I'm saying or you don't understand what you're saying. :) |
Can I trouble you guys to start appending tl;dr's to your text-walls?
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Please submit your advice in triplicate through line E14 and you will receive a response in 12-16 weeks. Have an Oryxiffic day!
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