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Alexander Nicholi August 20th, 2014 12:21 PM

Quote:

Originally Posted by Oryx (Post 8408288)
It was because I moved in at the end of the month, so I had to pay a full month's rent plus the prorated end of the month.

Oi. I was so frustrated when we had to do that when moving out of Colorado since my mother left after the beginning of the month we had to pay for 27 days of time we weren't going to even be there. We were so strapped on the road, not to mention in St. Louis our front right tire blew out and thankfully someone stopped on the highway and helped us. The donut ****ed up our axle bad >_>

My uncle Joey lived in San Fransisco for years as a contractor for a firm that did architecture for communications towers. As you may guess you can only build so many of those before they lay off most of their employees, so he ended up going to Sacramento, and it sucked there bad compared to SF. :/

TRIFORCE89 August 20th, 2014 3:10 PM

Quote:

Originally Posted by Alex (Post 8407950)
I really don't see the point in having a credit card that I'm not reserving exclusively for emergencies. What's the point in a system of borrowing money and then paying it back with interest when you could spend money you'd already have in the same time frame just as well?

I just used my credit card to buy gas. When it shows up on my statement in a few days, I'm paying it off in full.

No interest.

If you use like that then it's just a way of measuring that you can pay things of. Which is useful if you want to buy a house eventually.

TheFattestSnorlax August 20th, 2014 3:14 PM

Quote:

Originally Posted by 3D Proshare (Post 8408501)
Hey come check out what we are doing in the 3d printing community regarding pokemon and blow your mind one more time this summer before school starts up again!!!

You can check us out if you go to youtube and search under 3d proshare, we have some great stuff out already in just our first couple of weeks, let me know what you think on the channel, but not here. Lets keep this strictly to the subject.

I am sure there is a better place to say that.

Alexander Nicholi August 20th, 2014 3:19 PM

Quote:

Originally Posted by TRIFORCE89 (Post 8408527)
I just used my credit card to buy gas. When it shows up on my statement in a few days, I'm paying it off in full.

No interest.

If you use like that then it's just a way of measuring that you can pay things of. Which is useful if you want to buy a house eventually.

Both mortgages and reverse mortgages are a ripoff, since in both cases your death puts it in their name regardless of who owns it, for one thing. Also they like to milk you for money by offering refinancing plans that cost less in the short term but bring in so much more in the long-term. **** them, and **** their scams. I try to be as least involved as possible with these Monopoly players who slip themselves 500s out of the box – no one likes cheaters, but unfortunately it's kind of hard to quit life unlike a board game. Here's an idea: stop them from cheating and reset their assets. How does that sound? :/

The only bone I can ever really give the "credit" system is renting an apartment, but then again my mother's been living around for years with none to speak of and has rented from plenty of people. Isn't it interesting that the richer you are the less you have to worry about an imaginary number that says how faithful you are with money? Wealthy folks could not pay things back, sure, but unlike most people they don't have other financial worries to have a reason not to. It's a win-lose! Guess who's losing?

El Héroe Oscuro August 20th, 2014 3:23 PM

If you pay off everything in full without delay, then you won't be charged interest. It's all about micromanaging your expenses and making sure you don't go mall-happy and go crazy withe card. With control and wise decision making, you'll be just fine using credit cards for things other than just emergencies.

Alexander Nicholi August 20th, 2014 3:30 PM

Quote:

Originally Posted by Dracul (Post 8408554)
If you pay off everything in full without delay, then you won't be charged interest. It's all about micromanaging your expenses and making sure you don't go mall-happy and go crazy withe card. With control and wise decision making, you'll be just fine using credit cards for things other than just emergencies.

Um, why not just refrain from taking the chance? Why not spend money you actually have and not be fooling with credit card bills? It's like having your money 5 minutes early; if you're able to consistently pay the bills and avoid interest, what's the reason we're borrowing to begin with? We have the money to afford the things we're using credit for, right? It's redundant.

Oh, and I also remembered in addition to what I said about the relations to credit and apartment renting. There are other methods of verifying you're not a total bum besides a debt management score, such as a reference from your previous landlord or landlady, a co-signature from friends (or maybe family), an employment resumé… yeah.

professor plum August 20th, 2014 3:46 PM

Eh. I have a credit card and I use it more than I should, but I make pretty good payments on it most of the time. Sometimes, I need things that I just don't want to trouble my bank account with. I tend to use it for larger purchases like airplane tickets/etc.

Nick August 20th, 2014 5:21 PM

Quote:

Originally Posted by Alex (Post 8408559)
Um, why not just refrain from taking the chance? Why not spend money you actually have and not be fooling with credit card bills? It's like having your money 5 minutes early; if you're able to consistently pay the bills and avoid interest, what's the reason we're borrowing to begin with? We have the money to afford the things we're using credit for, right? It's redundant.

Oh, and I also remembered in addition to what I said about the relations to credit and apartment renting. There are other methods of verifying you're not a total bum besides a debt management score, such as a reference from your previous landlord or landlady, a co-signature from friends (or maybe family), an employment resumé… yeah.

Employment resume doesn't really help you with securing an apartment when you go to legit apartment complex renting an apartment. It just shows that you're employed, which is something that they want to see anyway. They'll also ask for pay stubs to see how much you make.

Also, regarding a co-signer, most people don't want to co-sign, or are at the very least very reluctant to do so. Co-signing binds that person to become responsible for the bills you can't pay if you fail to do so, and it affects their credit if they choose not to. Not to mention, if you're a fully grown adult, you're more than likely going to want to be able to get an apartment on your own.

But these things don't usually apply when you're looking for an apartment privately through the owner directly, unless they're really strict. And if your credit isn't up to par, usually they'll let you live there with an added security deposit.

You also need credit for things like cell phone contracts if you're interested in one of those. If you don't have enough credit, they'll add a security deposit ranging from $100 (Sprint was that) to $500 (AT&T had that when I was looking at carriers before I had any credit), though I'm sure there are some companies that have a lower security deposit.

Alexander Nicholi August 20th, 2014 5:41 PM

Quote:

Originally Posted by Mr. Downstairs (Post 8408646)
Employment resume doesn't really help you with securing an apartment when you go to legit apartment complex renting an apartment. It just shows that you're employed, which is something that they want to see anyway. They'll also ask for pay stubs to see how much you make.

There should be a Contact Us link at the bottom of this page, so you can tell ApartmentRatings.com that it's not useful in securing trust in tenecy.

Quote:

Originally Posted by Mr. Downstairs (Post 8408646)
Also, regarding a co-signer, most people don't want to co-sign, or are at the very least very reluctant to do so. Co-signing binds that person to become responsible for the bills you can't pay if you fail to do so, and it affects their credit if they choose not to. Not to mention, if you're a fully grown adult, you're more than likely going to want to be able to get an apartment on your own.

What kind of friends do you have?

Quote:

Originally Posted by Mr. Downstairs (Post 8408646)
But these things don't usually apply when you're looking for an apartment privately through the owner directly, unless they're really strict. And if your credit isn't up to par, usually they'll let you live there with an added security deposit.

It's almost a requirement for success in this world to know a guy, yeah.

Quote:

Originally Posted by Mr. Downstairs (Post 8408646)
You also need credit for things like cell phone contracts if you're interested in one of those. If you don't have enough credit, they'll add a security deposit ranging from $100 (Sprint was that) to $500 (AT&T had that when I was looking at carriers before I had any credit), though I'm sure there are some companies that have a lower security deposit.

Virgin Mobile and Cricket had nothing of the sort, unless you're talking in regards to phone subsidization, in which that would make sense. If you don't pay your phone bill (provided you've paid for and own the phone), they cut your service and you lose your number, simple as that. Phone subsidies are a means of credit in a way too, so I'd expect them to want a means of trust out of you under those circumstances.

Nick August 20th, 2014 6:03 PM

Quote:

Originally Posted by Alex (Post 8408661)
What kind of friends do you have?

The responsible kinds with their own financial obligations and concern for their future. There's a lot of dangers and consequences to cosigning a lease for someone.

Though I never had to ask for a cosigner for anything I've needed credit for. My credit score is good enough to qualify for the things I've applied for.

Quote:

Originally Posted by Alex (Post 8408661)
Virgin Mobile and Cricket had nothing of the sort, unless you're talking in regards to phone subsidization, in which that would make sense. If you don't pay your phone bill (provided you've paid for and own the phone), they cut your service and you lose your number, simple as that. Phone subsidies are a means of credit in a way too, so I'd expect them to want a means of trust out of you under those circumstances.

Those aren't plans that include a 2 year contract.

Alexander Nicholi August 20th, 2014 6:51 PM

Quote:

Originally Posted by Mr. Downstairs (Post 8408686)
The responsible kinds with their own financial obligations and concern for their future. There's a lot of dangers and consequences to cosigning a lease for someone.

I hate to sound corny, but what are friends for? Supporting each other, being there to talk to and having a helping hand when their friends need it. Don't they teach that on public programming or something? I'm not a regular viewer of PBS so I can't be certain.

Quote:

Originally Posted by Mr. Downstairs (Post 8408686)
Though I never had to ask for a cosigner for anything I've needed credit for. My credit score is good enough to qualify for the things I've applied for.

If you're not the close-knit kind of person, then that's your social life. It's not out the window for everyone, though. Some people have known each other since they can remember and would be down for that and more. It's all who you are… I guess? >.>


Quote:

Originally Posted by Mr. Downstairs (Post 8408686)
Those aren't plans that include a 2 year contract.

What's your point?

Oryx August 20th, 2014 7:20 PM

I think the more important question is if people are literally using it as a debit card, never charging more than they have and paying it off before they have to pay any interest, and there's a benefit to using it (whether it's rewards or better credit in the future in case of emergencies), why is it a bad idea? Most people have enough self control to not spend more than they have so the "chance" of them going ~crazy~ isn't really an issue.

I try to plan my life in a way that if things went catastrophically wrong suddenly, I would be able to land on my feet. That means getting good credit even if my income is enough for whatever I want, saving money even though I don't need it yet, making purchases designed to last long-term even if the short-term option is cheaper upfront, and making sure that I can rely on myself in case someone else won't or can't pull through to help me out. Ideally, my credit will never be an issue, I'll keep my nest egg in a bank account without needing it, nothing I own will ever break down before I get what I need out of it, and people will always be by my side to help me out. But real life doesn't always work that way, so it's only logical to do all you can to cushion a blow.

No effort + no extra cost + no risk + increased security = a good deal.

Alexander Nicholi August 20th, 2014 7:29 PM

Quote:

Originally Posted by Oryx (Post 8408757)
I think the more important question is if people are literally using it as a debit card, never charging more than they have and paying it off before they have to pay any interest, and there's a benefit to using it (whether it's rewards or better credit in the future in case of emergencies), why is it a bad idea? Most people have enough self control to not spend more than they have so the "chance" of them going ~crazy~ isn't really an issue.

I try to plan my life in a way that if things went catastrophically wrong suddenly, I would be able to land on my feet. That means getting good credit even if my income is enough for whatever I want, saving money even though I don't need it yet, making purchases designed to last long-term even if the short-term option is cheaper upfront, and making sure that I can rely on myself in case someone else won't or can't pull through to help me out. Ideally, my credit will never be an issue, I'll keep my nest egg in a bank account without needing it, nothing I own will ever break down before I get what I need out of it, and people will always be by my side to help me out. But real life doesn't always work that way, so it's only logical to do all you can to cushion a blow.

No effort + no extra cost + no risk + increased security = a good deal.

It was really fun reading your post in the style of… William Shatner. I felt better about the whole thing almost immediately knowing that… the… captain of the Starship Enterprise was there to… explain things in a way that I could… understand.

Eh, in all seriousness though, you do make some good points. It's the idea of credit being needed in a society that's been without it for hundreds of years and been just fine without it that bothers me. Surely we as a species had ways to trust strangers financially before credit scores, right? I think it'd be better that way, since credit scores are only a thing to really ever worry about in the eyes of the lower and middle classes. It's a plutocratic separation… I don't like the idea of that.

Honest August 20th, 2014 7:56 PM

Dammit, I was ready to lock this too. Then I see it's the DCC.

Oryx August 20th, 2014 7:59 PM

You should've seen it coming Dipu like an atom bomb.

DJTiki August 20th, 2014 8:05 PM

Quote:

Originally Posted by Alex (Post 8407676)
Ladies and germs, I present to you a condensed version of Lemony Snicket's A Series of Unfortunate Events: paraphrased by CarcharOdin.

I got a few chapters into the first book and soon realized it's never going to get better, since no matter how many shreds of hope the author puts in your face it just keeps getting worse. I promptly closed the book and burned it along with all my other good literature pieces like the devout religious man I am, and since I didn't finish it I can't be certain, but I have a feeling everyone dies. The end.

Doesn't deny that the series is kickass. I read it a million times, I won't spoil anything for you. You said you were on the first book, well....you have 12 more to go :p. If you want a quick breakdown on the forst 4 books, watch the Nickelodeon movie on it.

Netto Azure August 20th, 2014 9:39 PM

Title is an ad. You should instead use the official one sanctioned by legislation and the agencies: Annualcreditreport.com

CoffeeDrink August 20th, 2014 9:47 PM

Checking your credit can potentially harm your credit.

Enough of credit cards! The Warsmith demands action! Let's talk about how we take our favorite drinks instead! I take mine. . .

I also just occurred to me that several of you are not within drinking age. . .

Nick August 21st, 2014 12:51 AM

Quote:

Originally Posted by Alex (Post 8408728)
What's your point?

The same point I made in my original post. You need credit in order to get a phone on a contract and if you don't have it then you need a security deposit.

Alexander Nicholi August 21st, 2014 4:18 AM

Quote:

Originally Posted by Mr. Downstairs (Post 8408959)
The same point I made in my original post. You need credit in order to get a phone on a contract and if you don't have it then you need a security deposit.

Okay, that's all great and wonderful, but you can easily get a no-contract phone that was invented after Christ. It's not like the market is in a chokehold with contract phones or anything.

Nick August 21st, 2014 4:24 AM

Quote:

Originally Posted by Alex (Post 8409060)
Okay, that's all great and wonderful, but you can easily get a no-contract phone that was invented after Christ. It's not like the market is in a chokehold with contract phones or anything.

omfg. You asked what my point was and I told you. Can you not be obnoxious and argumentative for once?

Nathan August 21st, 2014 4:37 AM

Quote:

Originally Posted by Warsmith (Post 8408870)
I also just occurred to me that several of you are not within drinking age. . .

Doesn't mean we actually don't drink ;]

Shining Raichu August 21st, 2014 6:54 AM

The only point in a legal drinking age is for young people to feel cool by breaking it lol

Alexander Nicholi August 21st, 2014 7:54 AM

Telling grown adults what they can and can't do with themselves before some post-emancipatory age is stupid.

I drink alone. Yeeeeaaaahhhh, with nobody else.

Netto Azure August 21st, 2014 8:30 AM

I don't drink.

It gets awkward around tipsy people. :o


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