[quote]ZeroSleep wrote:
[quote]countingbeans wrote:
[quote]ZeroSleep wrote:
Debit cards are what you want, not credit cards.
[/quote]
False. No credit is often just as bad as bad credit.
Get a credit card, use it, and pay the fucker off every month for the next 25 years.[/quote]
Not being in debt is as bad as being in debt? Who knew?[/quote]
how about you listen to the ahem accountant.
[quote]ZeroSleep wrote:
[quote]countingbeans wrote:
[quote]ZeroSleep wrote:
Debit cards are what you want, not credit cards.
[/quote]
False. No credit is often just as bad as bad credit.
Get a credit card, use it, and pay the fucker off every month for the next 25 years.[/quote]
Not being in debt is as bad as being in debt? Who knew?[/quote]
Did you even read what I wrote, or are you going to keep your head up your ass and pretend you have a clue as to what you are talking about?
Your mommie pays your bills for you still I see.
You know what, go ahead and avoid establishing a credit history. I really don’t care, but don’t spread stupidity to others like you have a clue please.
For University: Never pay attention to the percentage worth of an assignment or exam. If it is low you’ll half ass it and if it’s high you’ll stress out over it. Consider everything equal, including your efforts.
Try, but make it look like you aren’t trying.
If you want to get laughs, use something that you think is funny on people and use their reactions as a means of how funny it actually is.
Don’t fuck with the law, they’ll get ya.
If someone is being unkind to you, don’t try and repent, let the lord take care of them. Eventually,they will get theirs.
When in doubt, just talk out of your ass.
Cockiness is confidence.
G
Tip spammer.
[quote]ZeroSleep wrote:
[quote]countingbeans wrote:
[quote]ZeroSleep wrote:
Debit cards are what you want, not credit cards.
[/quote]
False. No credit is often just as bad as bad credit.
Get a credit card, use it, and pay the fucker off every month for the next 25 years.[/quote]
Not being in debt is as bad as being in debt? Who knew?[/quote]
Try getting a house or car with no credit. Use it wisely and you will never be in debt.
No matter if i max out my credits cards, they get paid in full every month, because i don’t buy what I can’t afford. The problem is people (sounds like you fall into this category) never learn that.
[quote]countingbeans wrote:
Did you even read what I wrote, or are you going to keep your head up your ass and pretend you have a clue as to what you are talking about?
Your mommie pays your bills for you still I see.
You know what, go ahead and avoid establishing a credit history. I really don’t care, but don’t spread stupidity to others like you have a clue please.
[/quote]
Yes, I read it.
No, she doesn’t.
I will, thanks.
Why the bitch-fit?
[quote]ZeroSleep wrote:
[quote]countingbeans wrote:
[quote]ZeroSleep wrote:
Debit cards are what you want, not credit cards.
[/quote]
False. No credit is often just as bad as bad credit.
Get a credit card, use it, and pay the fucker off every month for the next 25 years.[/quote]
Not being in debt is as bad as being in debt? Who knew?[/quote]
Sounds strange, huh?
Thats what I thought too, until I tried buying a house.
[quote]SkyzykS wrote:
[quote]ZeroSleep wrote:
[quote]countingbeans wrote:
[quote]ZeroSleep wrote:
Debit cards are what you want, not credit cards.
[/quote]
False. No credit is often just as bad as bad credit.
Get a credit card, use it, and pay the fucker off every month for the next 25 years.[/quote]
Not being in debt is as bad as being in debt? Who knew?[/quote]
Sounds strange, huh?
Thats what I thought too, until I tried buying a house.
[/quote]
That’s because a good credit score/history proves to leaders that you are able to pay your debts. A home or car loan is just that, a debt you own to the bank.
[quote]SkyzykS wrote:
Sounds strange, huh?
Thats what I thought too, until I tried buying a house.
[/quote]
Indeed it does.
It still sounds strange actually.
Anyone care to explain?
[quote]ucallthatbass wrote:
That’s because a good credit score/history proves to leaders that you are able to pay your debts. A home or car loan is just that, a debt you own to the bank.[/quote]
Weird. I would have thought not being in debt would be enough to prove you are able to pay, a long with proper documentation of job security and pay of course.
[quote]ZeroSleep wrote:
[quote]countingbeans wrote:
[quote]ZeroSleep wrote:
Debit cards are what you want, not credit cards.
[/quote]
False. No credit is often just as bad as bad credit.
Get a credit card, use it, and pay the fucker off every month for the next 25 years.[/quote]
Not being in debt is as bad as being in debt? Who knew?[/quote]
…reading comprehension fail.
I’m sure Beans meant…
Available credit…i.e. actually having some credit cards that aren’t maxed out; coupled with credit history…i.e. having made purchases with credit and then paid off debt as agreed…is favorable to both not having any credit or having bad credit.
Your advice of never having any credit cards is short sighted in that when one needs credit…and virtually everyone does at some point, unless you are wealthy enough to purchase things like cars and houses with cash…you won’t have any credit established.
None of which is anywhere remotely close to saying, “Not being in debt is as bad as being in debt.”
[quote]ZeroSleep wrote:
Yes, I read it.[/quote]
You might want to brush up on reading comprehension then.
Paying cash for a car? Great. try getting a mortgage without a credit history.
You will be renting for the rest of your life at this rate.
[quote]
For a lot of people not using credit cards is a good idea (Why does spell-checker want me to change “idea” to “Idaho”?) because many people fall into the category you mention. I know enough of them, my ex family for example, and it isn’t pretty. [/quote]
So because your family sucks at math and can’t live within their means, you are going to advise other people to fuck up their future by avoiding establishing a credit history?
Having a credit history doesn’t equal being in debt, unless you are a dipshit that can’t do math.
[quote]countingbeans wrote:
You might want to brush up on reading comprehension then.
Paying cash for a car? Great. try getting a mortgage without a credit history.
You will be renting for the rest of your life at this rate.
So because your family sucks at math and can’t live within their means, you are going to advise other people to fuck up their future by avoiding establishing a credit history?
Having a credit history doesn’t equal being in debt, unless you are a dipshit that can’t do math.[/quote]
Really? You didn’t mean what you wrote? It’s sort of difficult to capture tone in written text, though I do sense some hostility in what you write for some reason.
My parents did just that a few years ago, with security in the house they built with the money. Wasn’t a problem.
The thought doesn’t really bother me. Then I can just pack up and leave if/when I feel like it. Maybe I’ll change when I get older, but my father is still renting, he doesn’t seem to have a problem with it.
Not my family, my ex’s family.
It shouldn’t, but it often does.
[quote]JPCleary wrote:
…reading comprehension fail.
I’m sure Beans meant…
Available credit…i.e. actually having some credit cards that aren’t maxed out; coupled with credit history…i.e. having made purchases with credit and then paid off debt as agreed…is favorable to both not having any credit or having bad credit.
Your advice of never having any credit cards is short sighted in that when one needs credit…and virtually everyone does at some point, unless you are wealthy enough to purchase things like cars and houses with cash…you won’t have any credit established.
None of which is anywhere remotely close to saying, “Not being in debt is as bad as being in debt.”
[/quote]
Quite possible, as English isn’t my first language.
Sounds reasonable.
Perhaps.
But what that is what he actually said:
[quote]countingbeans wrote:
False. No credit is often just as bad as bad credit.
[/quote]
Although good credit doesn’t equal debt, bad credit does (or that you have had bad debt at some point) while no credit equals no debt.
the edit function here on T is terrible -.-
This will be my last post on this topic: I’m not going to argue with a 20 year old about shit he doesn’t comprehend any further.
[quote]ZeroSleep wrote:
Really? You didn’t mean what you wrote?[/quote]
Did you miss the part were I mentioned paying it off every month for the next 25 years? How is paying off your purchases every month “in debt?”
?
Not sure what your issue is here, but if you take the internet that serious, more power to you.
wat? Your parents bought land and built a home with cash, no note what-so-ever? Not that it isn’t possible, nor do I believe it, but fair enough.
good luck going down that road.
Thought he built his house with cash?
Again, because some people can’t do math, doesn’t mean other people shouldn’t get a credit card.
The take home of all this, is you shouldn’t be handing out advice about shit you don’t understand.
[quote]countingbeans wrote:
wat? Your parents bought land and built a home with cash, no note what-so-ever? Not that it isn’t possible, nor do I believe it, but fair enough.
good luck going down that road.
Thought he built his house with cash?
Again, because some people can’t do math, doesn’t mean other people shouldn’t get a credit card.
The take home of all this, is you shouldn’t be handing out advice about shit you don’t understand.[/quote]
No, not with cash, with a loan in the bank. Without first building credit.
Thank you.
No. My parents (mom and step-dad) built a house. My father and his gf has not.
If you say so. But why should they get one? If you can pay everything off as you should you don’t need it, and if you can’t it will make bad worse.
Fair enough. But you haven’t really said much other than “credit cards are needed” and “not having a credit card will ruin your future” to refute me either, which doesn’t sounds much like anything but scare tactics and propaganda to a naïve 20 year old. I suppose you know a lot about the issue if you’re an accountant, so I would have expected something else, something that would change my mind on the subject I know so little about. Would it be a fair guess that you make a living helping people who suck at math fix the mistakes they’ve done earlier?
[quote]ZeroSleep wrote:
Fair enough. But you haven’t really said much other than “credit cards are needed” and “not having a credit card will ruin your future” to refute me either, which doesn’t sounds much like anything but scare tactics and propaganda to a naÃ?¯ve 20 year old. I suppose you know a lot about the issue if you’re an accountant, so I would have expected something else, something that would change my mind on the subject I know so little about. Would it be a fair guess that you make a living helping people who suck at math fix the mistakes they’ve done earlier?[/quote]
Since 'Beans has bowed out…
I think what he was getting at was that there are some purchases for which most everyone recieves a loan (for example, purchasing a house, or a car).
Creditors prefer their clients to have some credit history, rather than no credit history. They express this preference by giving better interest rates to those with preferable history and worse rates to those with shitty history. Since it is difficult to classify those with no history, those with no history are often lumped in with those with bad history (because bankers have no idea where they SHOULD go, and therefore assume those with no history will be a high-risk client).
It is arguable whether it is preferable to have bad credit or no credit. But what is not arguable is that it is superior to have some small level of good credit in comparison to having bad or no credit.
An easy way to develop some small level of good credit is to own a credit card, and make small purchases with it, and then pay it off at the end of the month.
Hope this helps.
Also, Pro-tip: The fastest way to convince a fool they’re a fool, is to let them have their way.
[quote]Otep wrote:
Since 'Beans has bowed out…
I think what he was getting at was that there are some purchases for which most everyone recieves a loan (for example, purchasing a house, or a car).
Creditors prefer their clients to have some credit history, rather than no credit history. They express this preference by giving better interest rates to those with preferable history and worse rates to those with shitty history. Since it is difficult to classify those with no history, those with no history are often lumped in with those with bad history (because bankers have no idea where they SHOULD go, and therefore assume those with no history will be a high-risk client).
It is arguable whether it is preferable to have bad credit or no credit. But what is not arguable is that it is superior to have some small level of good credit in comparison to having bad or no credit.
An easy way to develop some small level of good credit is to own a credit card, and make small purchases with it, and then pay it off at the end of the month.
Hope this helps.[/quote]
It does help, as it is actually a good explanation/argument. I’ll bow out to you.
So, anway…
Another good tip: We all know that it’s best to sleep in as dark a room as possible. The cheapest way I found to do that is to get a lot of aluminum foil and duct ape it over the windows. and place tape in between the cracks in the foil. Make sure to fix any drafts in your windows before you do this as it is very loud otherwise if a breeze rolls through. It may be ugly as shit but it is damn effective.