The Testingtard's Lament: Boo-Hoo-in' Revolution

[starku]

Yuppies lol

[F.J. Prefect, Esq]

Man I remember my dad using 'yuppie' as an insult and for literally years I had no idea what it meant.

Then I looked it up and it meant 'people more successful than my dad'.

[starku]

You mean 'victims of marketing' right

[F.J. Prefect, Esq]

Sure, but they still had more money than my dad.

[starku]

I'm pretty sure Alan bond had more money that your dad

And frankly if you own a copy of Donna hay magazine there's no saving you

[Phantasee]

what is it about the smell of vomit that makes one want to also vomit

like how is the trigger supposed to work? you smell your own and it keeps you going until you're done? you smell others and it causes you to vomit just in case?

i had to clean up my sister's mess the other night and now my grandmother was throwing up before she got to the washroom

i have the same illness i think so i fear i may be sick next

[Zod]

conditioned responses

[Veef]

http://www.shapeways.com/shops/veefshop

I put these up like two hours ago.

And I made like 70 dollars

turning my hobby into money

the American dream

[Metatwaddle]

i'm starting to think i should have gotten a credit card in college

it might be hard to get an apartment without any credit

even if i do get a job

[Zod]

i'm starting to think i should have gotten a credit card in college

it might be hard to get an apartment without any credit

even if i do get a job

as long as you don't have any significant debts your credit score might still be high enough

my credit is pretty horrible but as long as other factors are in your favor (a steady job with enough money to cover the rent, no evictions) they'll probably overlook it

[adr-admin]

With a little luck, you can find a landlord who won't do the annoying credit check at all. Most the places I looked at wanted to do them (and wanted ME to pay for it! Fuck that.) but the one I ended up with just wanted a signature, references, and first/last month rent and the security deposit.

My parents never did them either. Hell, they never even paid security deposits; the old man just talked to the owner and set up a trade of labor instead.


I'd just say shop around. If you can deal with the owner directly you can probably talk your way into something.

[Metatwaddle]

if a landlord is deciding between me and someone else with a good credit score, it'll probably be them

my friend has been asking me to room with her starting in a few months, and her parents will be the landlords. the rent will be cheap and they know me, so i can do that for a year while i build up some credit. i'd rather move to philadelphia, and even the nice neighborhoods are mostly in my price range

anyways thanks for the reassurance guise

in any case i need a job first

resume writing is surprisingly annoying and demoralizing

"make sure to put your activities so they know you have leadership experience"
"if you're a recent college grad keep it under one page"
these are not compatible

also i'm afraid that not putting my gpa means they'll assume my gpa sucked (which is correct)
i don't have much work experience so if i wasn't a good student, there isn't much to recommend me

[Nietzslime]

[RedImperator]

don't worry we'll just use my credit instead that should be fine right

oh god

[Questor]

In my complex, they reserve the right to do a credit check, but they never did one.

They approved me same day on stated employment in 2008. Of course, being a worthless unionized public employee, any time humans are in the loop, I usually get the benefit of the doubt.

Since then, I've built a pretty good credit score.

Protip: make sure your first card is no-fee. I screwed up on that, and I can't close it now.

[F.J. Prefect, Esq]

Yep, can't get a house unless I've ... used a credit card for some reason.

[starku]

Au isn't like the us ford so don't listen to them too much

Your record is only negative events like defaults, late payments,etc

[zhaktronz]

My partner and I are looking to buy a place and our financial planner, when asked about how we should develop credit history in Australia just scoffed and said save just show we can save $2000-3000 a month for a few months and there be no drama

[adr-admin]

i wonder what my credit score is

i don't want to pay the money to find out though


(the reports are free once a year. the score is not.)

[zhaktronz]

It it better to have a low credit score like golf or a high credit score like pacman?

[Veef]

oh man up to 100 bucks now

all thanks to fatty nerds who i argue with all the time

[F.J. Prefect, Esq]

Au isn't like the us ford so don't listen to them too much

Your record is only negative events like defaults, late payments,etc

It's not that I'm worried, just that it strikes me as being totally alien.

[uraniun235]

It it better to have a low credit score like golf or a high credit score like pacman?

pretty sure the US system is higher = better

[starku]

It you've never borrowed orbeen responsible for a payment

How do thy measure your risk of default

[adr-admin]

there's so many bizarre rules associated with credit scores that i can barely even explain it

so having more credit available is a good thing
but having a lot of accounts open is a bad thing

paying off your accounts each month is a good thing
electing to not use your cards in a month is a bad thing

paying off big balances each month is a good thing
but having high balances at any point in teh month is a bad thing



it kinda makes sense but its bizarre too

and the actual rules they use are trade secrets so there's some degree of guesswork in what is good and bad too