Helpful Tips That Make Life Easier

Off Topic
121

[quote]angry chicken wrote:
That being said, credit is EASY AS SHIT to fix… I’ve taken someone with a 450 score and gotten them to a 650 score in six months. I get people a 30 point jump in less than a week all the time… You won’t get a 700 score quickly, but you can get to 650 with relatively little effort and expense.[/quote]

I know what credit scores score, but I have no idea how to rate them. Are they like squat numbers? Where most people can put up in between 3-400, and you’re like, super-awesome if you push 700, and you’re a cheating gear whore if its more than that but these numbers can reach over a grand?

Whats the scale and at what point do I know I’m a baller?

122

[quote]Otep wrote:

[quote]angry chicken wrote:
That being said, credit is EASY AS SHIT to fix… I’ve taken someone with a 450 score and gotten them to a 650 score in six months. I get people a 30 point jump in less than a week all the time… You won’t get a 700 score quickly, but you can get to 650 with relatively little effort and expense.[/quote]

I know what credit scores score, but I have no idea how to rate them. Are they like squat numbers? Where most people can put up in between 3-400, and you’re like, super-awesome if you push 700, and you’re a cheating gear whore if its more than that but these numbers can reach over a grand?

Whats the scale and at what point do I know I’m a baller?[/quote]

Good question. The range is from 300 to 850. That being said, I see a score over 800 less than three times a year. I have never seen a score in the 300’s. Most people in today’s economy (that I come across) fall between 550 and 700. You can get a regular FHA mortgage (under 417K) with a mid score 620, and an FHA Jumbo loan with 640.

A “mid score” refers to the middle score of the three bureaus, Equifax, Experion and Trans Union - Banks will throw out the high score and the low score and use the middle score (not an average of scores, but the actual score itself). With Conventional financing having a 700 score will get you slightly better pricing and some banks have an additional threshold of 720 or 740.

If your score is 680 or above, you are doing pretty good. Above 750 and banks will lick your bunghole for your business.

123

Here’s a few tips.

If you are ever in a confrontation with someone and they are in your face talking shit and you don’t see a way out, the Scottish kiss (head butt to the nose) will end things quickly and in your favor. It’s better to be judged by 12 than carried by six.

Respect Murphy’s law and have a backup plan (and a back up plan for the back up plan)

You are the average of the five people you spend the most time with. If you want to improve your life, raise the bar for the people you associate with.

Understand how compound interest works and invest intelligently NOW, not next year.

If you are under the age of 32, recognize that you MOST LIKELY, don’t know shit, and will have a very different perspective on life when you get older. Try not to get married or have kids before that (unless you are unusually responsible).

If you see a girl that you want to fuck, go over and introduce your self. “Hey, my name is ____”. It works. Trust me.

If you get married, have your fiancee sign a pre nup. Not one you found online, go to an attorney and have one drawn up. The $500 now could save you $500,000 down the road. There is no better investment, IMHO. The law will fuck you out of half your shit if you get divorced.

Use condoms. Protect your seed. Protect your dick. Protect your health and that of the people you fuck. I KNOW it doesn’t feel as good. I know it isn’t convenient sometimes. Is a piece of pussy worth dying for? How about 18 years of child support? Do the math. Is it worth it? NO!

Travel. As often as you can afford to. The internet is FILLED with great all inclusive packages.

If you ever start a business, know that it will take twice the work and three times the money than you think it will (at least). That being said, I would encourage everyone to try and start a business at least once - you will learn a lot from the experience and have a stronger understanding of how the world works as a result.

Never write anything down (or type on your computer, or send in an email, etc…) that you wouldn’t want published on the front page of the NY Times.

If you ever have to break the law, do it alone and don’t ever tell anyone. Ever.

Pay it forward. Don’t keep score. Good things will come to those who give freely of themselves. Help when you can. Don’t apologize for it if you can’t.

good night.

124

[quote]angry chicken wrote:
Here’s a few tips.

If you are ever in a confrontation with someone and they are in your face talking shit and you don’t see a way out, the Scottish kiss (head butt to the nose) will end things quickly and in your favor. It’s better to be judged by 12 than carried by six.

Respect Murphy’s law and have a backup plan (and a back up plan for the back up plan)

You are the average of the five people you spend the most time with. If you want to improve your life, raise the bar for the people you associate with.

Understand how compound interest works and invest intelligently NOW, not next year.

If you are under the age of 32, recognize that you MOST LIKELY, don’t know shit, and will have a very different perspective on life when you get older. Try not to get married or have kids before that (unless you are unusually responsible).

If you see a girl that you want to fuck, go over and introduce your self. “Hey, my name is ____”. It works. Trust me.

If you get married, have your fiancee sign a pre nup. Not one you found online, go to an attorney and have one drawn up. The $500 now could save you $500,000 down the road. There is no better investment, IMHO. The law will fuck you out of half your shit if you get divorced.

Use condoms. Protect your seed. Protect your dick. Protect your health and that of the people you fuck. I KNOW it doesn’t feel as good. I know it isn’t convenient sometimes. Is a piece of pussy worth dying for? How about 18 years of child support? Do the math. Is it worth it? NO!

Travel. As often as you can afford to. The internet is FILLED with great all inclusive packages.

If you ever start a business, know that it will take twice the work and three times the money than you think it will (at least). That being said, I would encourage everyone to try and start a business at least once - you will learn a lot from the experience and have a stronger understanding of how the world works as a result.

Never write anything down (or type on your computer, or send in an email, etc…) that you wouldn’t want published on the front page of the NY Times.

If you ever have to break the law, do it alone and don’t ever tell anyone. Ever.

Pay it forward. Don’t keep score. Good things will come to those who give freely of themselves. Help when you can. Don’t apologize for it if you can’t.

good night.

[/quote]

Damn, this was fuckin awesome. I would’ve kept reading whatever else you had to write.

125

[quote]angry chicken wrote:

If you are under the age of 32, recognize that you MOST LIKELY, don’t know shit, and will have a very different perspective on life when you get older. Try not to get married or have kids before that (unless you are unusually responsible).
[/quote]

i keep hearing this tip from guys in their 40s - 50s - im 20.

“if they had to do it over they would go arround and fuck every girl that could walk till they were 30 and then they would settle down for one with the best personallity”

i need to listen more…

126

[quote]angry chicken wrote:
Here’s a few tips.

If you are ever in a confrontation with someone and they are in your face talking shit and you don’t see a way out, the Scottish kiss (head butt to the nose) will end things quickly and in your favor. It’s better to be judged by 12 than carried by six.

Respect Murphy’s law and have a backup plan (and a back up plan for the back up plan)

You are the average of the five people you spend the most time with. If you want to improve your life, raise the bar for the people you associate with.

Understand how compound interest works and invest intelligently NOW, not next year.

If you are under the age of 32, recognize that you MOST LIKELY, don’t know shit, and will have a very different perspective on life when you get older. Try not to get married or have kids before that (unless you are unusually responsible).

If you see a girl that you want to fuck, go over and introduce your self. “Hey, my name is ____”. It works. Trust me.

If you get married, have your fiancee sign a pre nup. Not one you found online, go to an attorney and have one drawn up. The $500 now could save you $500,000 down the road. There is no better investment, IMHO. The law will fuck you out of half your shit if you get divorced.

Use condoms. Protect your seed. Protect your dick. Protect your health and that of the people you fuck. I KNOW it doesn’t feel as good. I know it isn’t convenient sometimes. Is a piece of pussy worth dying for? How about 18 years of child support? Do the math. Is it worth it? NO!

Travel. As often as you can afford to. The internet is FILLED with great all inclusive packages.

If you ever start a business, know that it will take twice the work and three times the money than you think it will (at least). That being said, I would encourage everyone to try and start a business at least once - you will learn a lot from the experience and have a stronger understanding of how the world works as a result.

Never write anything down (or type on your computer, or send in an email, etc…) that you wouldn’t want published on the front page of the NY Times.

If you ever have to break the law, do it alone and don’t ever tell anyone. Ever.

Pay it forward. Don’t keep score. Good things will come to those who give freely of themselves. Help when you can. Don’t apologize for it if you can’t.

good night.
[/quote]

I want you to be my son’s God parent lol.

Re: Making sure a spouse keeps making payments after a split…YES!. My wife works for an insurannce company and she was dealing with a client just last week that trusted his ex to keep making the payments…she did not. Now he’s scrambling to get it worked out. It happens quit often apparently.

edit/If you see a girl that you want to fuck, go over and introduce your self. “Hey, my name is ____”. It works. Trust me.

The first time I ever talked to my wife was at a friends party. It was her b-day and I walked up the her and said “Hi, I’m Mike” and asked her if she wanted a b-day kiss, she said yes, so I gave her a big sloppy one lol…our ninteenth anniversery is next week. It’s always worth a shot no matter how hot she is/corny story.

127

[quote]angry chicken wrote:
Here’s a few tips.

If you are ever in a confrontation with someone and they are in your face talking shit and you don’t see a way out, the Scottish kiss (head butt to the nose) will end things quickly and in your favor. It’s better to be judged by 12 than carried by six.

[/quote]

C’mon AC, this advice is communist garbage.

Someone gave me a Scottish Kiss once, I was in England at the time, and all I have to say is he DEFINITELY regretted it. If you are going to headbutt someone, make sure you are prepared to continue to attack them, you should probably follow it up with relentless blows until they are on the floor. DO NOT throw a head butt and assume it will end there.

You will learn the hard way that people don’t just fall down from one blow like they do in the movies and have mercy on your soul if the person you decided to headbutt happened to be some type of trained fighter or an experienced street fighter. So the real tip should be: If you are going to be the first to throw a blow in an altercation, make sure you can handle the consequences of that decision.

Other than that, I have a 720 credit score, would like to push it to 750 so people will like my bunghole. Please teach me how…

128

[quote]AndrewG909 wrote:

[quote]angry chicken wrote:
Here’s a few tips.

If you are ever in a confrontation with someone and they are in your face talking shit and you don’t see a way out, the Scottish kiss (head butt to the nose) will end things quickly and in your favor. It’s better to be judged by 12 than carried by six.

[/quote]

C’mon AC, this advice is communist garbage.

Someone gave me a Scottish Kiss once, I was in England at the time, and all I have to say is he DEFINITELY regretted it. If you are going to headbutt someone, make sure you are prepared to continue to attack them, you should probably follow it up with relentless blows until they are on the floor. DO NOT throw a head butt and assume it will end there.

You will learn the hard way that people don’t just fall down from one blow like they do in the movies and have mercy on your soul if the person you decided to headbutt happened to be some type of trained fighter or an experienced street fighter. So the real tip should be: If you are going to be the first to throw a blow in an altercation, make sure you can handle the consequences of that decision.

Other than that, I have a 720 credit score, would like to push it to 750 so people will like my bunghole. Please teach me how…

[/quote]

Well, you’re probably too young with a short credit history … turn 30

I’m a lick under 750 and am using my credit cards and paying them off each month to try to boost it (hopefully that works). Lower your debt ratio to under 50%, pay off and cancel your shortest credit cards/debt, keep your longest credit cards open…

EDIT: one more thing, stop being such an asshole to me…

129

Shit. I just found out my credit card account is getting terminated at the end of the month. Chase got bought out and all that jazz. Didn’t occur to me it wouldnt transfer over.

I found out because I kept getting declined for purchases. Finally called- credit limits been lowered. Why? Because the automated system they had in place had me as an “authorized user” on my mother’s credit cards and I am getting screwed with that.

Advice here? I think I am going to join a credit union but it’s obvious her bad credit is starting to jack up mine. It’s funny though- when I need a loan, I have “little credit history” but when they want to reasses my account and determine APR, fees, limits, etc, all this other random shit comes into play.

130

350×525 31.8 KB

[quote]coolnatedawg wrote:
Shit. I just found out my credit card account is getting terminated at the end of the month. Chase got bought out and all that jazz. Didn’t occur to me it wouldnt transfer over.

I found out because I kept getting declined for purchases. Finally called- credit limits been lowered. Why? Because the automated system they had in place had me as an “authorized user” on my mother’s credit cards and I am getting screwed with that.

Advice here? I think I am going to join a credit union but it’s obvious her bad credit is starting to jack up mine. It’s funny though- when I need a loan, I have “little credit history” but when they want to reasses my account and determine APR, fees, limits, etc, all this other random shit comes into play.[/quote]

when all else fails, just think Jamie Koeppe

131

[quote]polo77j wrote:

Well, you’re probably too young with a short credit history … turn 30

I’m a lick under 750 and am using my credit cards and paying them off each month to try to boost it (hopefully that works). Lower your debt ratio to under 50%, pay off and cancel your shortest credit cards/debt, keep your longest credit cards open…[/quote]
Since I bought my house, I’ve been putting all the unexpected miscellaneous bullshit purchases on my credit card, so I definitely need to pay these off, unfortunately they were big purchses.
I turn 24 soon, so does that help?

There’s only 3 people on this site that I’m a blatant asshole towards on a regular basis.

  1. Kerley
  2. You
  3. Celtics.

I actually enjoy the posts from 2 of these 3 members (being an asshole usually generates a response which I can normally lol to) and only really HATE 1 of the 3.

I wont say which is which, but either way the chances of my attitude changing towards any of these 3 is slim to none.

Edit: I’m trying to convince the entire T-Nation that AC is a communist. So I guess I’m a bit of an asshole to him to. But thats just cuz I HATE commies.

132

[quote]AndrewG909 wrote:

[quote]polo77j wrote:

Well, you’re probably too young with a short credit history … turn 30

I’m a lick under 750 and am using my credit cards and paying them off each month to try to boost it (hopefully that works). Lower your debt ratio to under 50%, pay off and cancel your shortest credit cards/debt, keep your longest credit cards open…[/quote]
Since I bought my house, I’ve been putting all the unexpected miscellaneous bullshit purchases on my credit card, so I definitely need to pay these off, unfortunately they were big purchses.
I turn 24 soon, so does that help?[/quote]

How long have you had established credit? Do you have any blemishes/late payments? If so, how late? You’re 23 so you’ve had credit for maybe 5-6 years, you’ll need it longer than that. Is your debt/credit ratio above 50%? If so, how much above? Re:Using credit cards: It’s not necessarily bad to have a balance as long as you make, at the very least, the minimum payment each month. While that’s not ideal for anyone, it’ll keep you from having any late payments reported to the bureaus which will negatively effect your score longer than having a high debt/credit ratio will since you can control that.

Plus, a lot of, if not, most, credit card companies have a clause in the contract that states your “low” apr will remain that UNTIL you miss a payment, even if by a couple of days, and then they’ll jack that shit up to above 25%. I made that mistake when I was your age and missed a payment on one of my cards. I worked my ass off to make it right but that’s the only reason I’m below 750 at the moment.

If you use credit, use it responsibly and it will only help you throughout life, but if you take it for granted and fuck up, it’ll fuck your world up.

There’s only 3 people on this site that I’m a blatant asshole towards on a regular basis.

  1. Kerley
  2. You
  3. Celtics.

I actually enjoy the posts from 2 of these 3 members (being an asshole usually generates a response which I can normally lol to) and only really HATE 1 of the 3.

I wont say which is which, but either way the chances of my attitude changing towards any of these 3 is slim to none.

Edit: I’m trying to convince the entire T-Nation that AC is a communist. So I guess I’m a bit of an asshole to him to. But thats just cuz I HATE commies.[/quote]

Who doesn’t hate commies? and everyone likes an asshole from time to time … why do you think i’m an asshole?

133

[quote]polo77j wrote:
why do you think i’m an asshole?[/quote]

I never said you were an asshole, but your improper use of “quotes” which led to the total clusterfuck that was your previous post kinda chaps my hives a bit.

134

[quote]AndrewG909 wrote:

[quote]polo77j wrote:
why do you think i’m an asshole?[/quote]

I never said you were an asshole, but your improper use of “quotes” which led to the total clusterfuck that was your previous post kinda chaps my hives a bit.
[/quote]

what ever are you referring to, my good man?

135

I think my credit card is at about 50% right now. If I can get that down and pay off my car, I think I’ll be golden. Easier said then done though, since I picked up this Mortgage I’ve been spending slightly more than I make and have been dipping into my savings to compensate for the last couple of months. That means I either need to re-evaluate where I spend my money or that buying a new house always has upfront costs that are a bit unexpected and as soon as I stop throwing money at the house I’ll be fine. Maybe it’s a mixture of both.

Ridding myself of my money burning leech of a sister would be a step in the right direction as well.

[quote]polo77j wrote:

what ever are you referring to, my good man?[/quote]

Your last post doesn’t show up in quotes, its just all garbled together, but maybe it’s just displaying incorrectly on my screen, because looking at the quotes it appears you did in fact use them correctly. Whooooopsies!

136

[quote]AndrewG909 wrote:
I think my credit card is at about 50% right now. If I can get that down and pay off my car, I think I’ll be golden. Easier said then done though, since I picked up this Mortgage I’ve been spending slightly more than I make and have been dipping into my savings to compensate for the last couple of months. That means I either need to re-evaluate where I spend my money or that buying a new house always has upfront costs that are a bit unexpected and as soon as I stop throwing money at the house I’ll be fine. Maybe it’s a mixture of both.

Ridding myself of my money burning leech of a sister would be a step in the right direction as well.

[quote]polo77j wrote:

what ever are you referring to, my good man?[/quote]

Your last post doesn’t show up in quotes, its just all garbled together, but maybe it’s just displaying incorrectly on my screen, because looking at the quotes it appears you did in fact use them correctly. Whooooopsies! [/quote]

quote Nazi

137

^ Gay nazi

138

head butts work if you do them right.

139

[quote]redstar144 wrote:

[quote]Kerley wrote:

[quote]PimpBot5000 wrote:

[quote]SickAbs wrote:

What specific products would you recommend? I’m also very metro/guido douchebag.[/quote]

It depends on your skin type. Mine gets slightly oily so I have to use certain products.

Most of my favourites are made by Zirh. Their facial wash, simply called “Clean”, is the best I’ve ever used. As mentioned, their pre-shave oil and shaving cream is also the best I’ve encountered. I find their moisturizers a bit too heavy though. For that, I use Biotherm Homme T-Pur Mattefying.

Wow, I sound like a metro here! [/quote]

i have oily skin, i must track this down.

thanks for the tip brah![/quote]

They have all the Zirh products on cdwow.ie in the beauty section. Free shipping also.[/quote]

awesome thanks man.

140

[quote]angry chicken wrote:
Here’s a few tips.

If you are ever in a confrontation with someone and they are in your face talking shit and you don’t see a way out, the Scottish kiss (head butt to the nose) will end things quickly and in your favor. It’s better to be judged by 12 than carried by six.

Respect Murphy’s law and have a backup plan (and a back up plan for the back up plan)

You are the average of the five people you spend the most time with. If you want to improve your life, raise the bar for the people you associate with.

Understand how compound interest works and invest intelligently NOW, not next year.

If you are under the age of 32, recognize that you MOST LIKELY, don’t know shit, and will have a very different perspective on life when you get older. Try not to get married or have kids before that (unless you are unusually responsible).

If you see a girl that you want to fuck, go over and introduce your self. “Hey, my name is ____”. It works. Trust me.

If you get married, have your fiancee sign a pre nup. Not one you found online, go to an attorney and have one drawn up. The $500 now could save you $500,000 down the road. There is no better investment, IMHO. The law will fuck you out of half your shit if you get divorced.

Use condoms. Protect your seed. Protect your dick. Protect your health and that of the people you fuck. I KNOW it doesn’t feel as good. I know it isn’t convenient sometimes. Is a piece of pussy worth dying for? How about 18 years of child support? Do the math. Is it worth it? NO!

Travel. As often as you can afford to. The internet is FILLED with great all inclusive packages.

If you ever start a business, know that it will take twice the work and three times the money than you think it will (at least). That being said, I would encourage everyone to try and start a business at least once - you will learn a lot from the experience and have a stronger understanding of how the world works as a result.

Never write anything down (or type on your computer, or send in an email, etc…) that you wouldn’t want published on the front page of the NY Times.

If you ever have to break the law, do it alone and don’t ever tell anyone. Ever.

Pay it forward. Don’t keep score. Good things will come to those who give freely of themselves. Help when you can. Don’t apologize for it if you can’t.

good night.
[/quote]

Knowledge.