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Old 10-01-2011, 09:39 AM   #9821
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****, I don't have any toys. That's why I wanted a bike. I'm bored. Only "toys" I have that I have bought with credit is my TV. Everything else was bought with cash. The other crap on the credit cards are emergency spending when I got a little short, and just never got around to paying it off quickly like I planned to.

I also forgot my school loans on my debt. They may be causing the most trouble. I have 12-14k worth of school loans that have been under forbearance since I had to start paying them back, something like 6 years ago. I've been trying to ignore and forget them, since the education they paid for barely gets used if any, and paying them off, even as little as 10k will take me for ******* ever.
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Old 10-01-2011, 11:44 AM   #9822
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I also forgot my school loans on my debt.
(...)
I've been trying to ignore and forget them, since the education they paid for barely gets used if any, and paying them off, even as little as 10k will take me for ******* ever.
Yeah, that would be the kind of line-item which a loan officer might consider to be a Bad Thing™.

"Well, sir. In addition to the four revolving credit accounts with high balances and the loan for the motorcycle, I also have this $14k worth of student loans that I've been totally ignoring for the past six years and haven't made any payments on at all. So, how about that home loan?"


If you really want to get out from under Dad's roof, you may have to roll the hard six on this one. I honestly have no idea whether a rental history is considered in a loan application (it doesn't show up on a credit report to the best of my knowledge) but it doesn't sound to me as though, realistically, home-buying is in your immediate future. The only other options (apart from renting) which spring immediately to mind are homelessness and vagrancy, both of which have their own unique benefits and challenges.

I wish I could find it at short notice, but I remember reading a blog a while back from a guy who was sort of a professional homeless person, living out of his non-working car. Had a lot of useful info on practical matters like where the best cheap and free showers were to be found (university gyms ranked highly), how to properly set up a mail drop such that it's indistinguishable from a fixed address, and so on.
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Old 10-01-2011, 06:08 PM   #9823
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(Posting from my phone.)

**** congress. **** Obama and **** banks.

Closed my suntrust account today. Closing my boa soon. Looks like TD will continue getting my business for a awhile.


$5 a month charge if I use a debit card is bullshit.
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Old 10-01-2011, 06:50 PM   #9824
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Suntrust? TD? Dude, find a credit union. I haven't had an account with a commercial bank in probably 6 or 7 years.
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Old 10-01-2011, 07:00 PM   #9825
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Neither of my local banks charge me. Never have and if they ever do I'll switch as well.

I try and keep about 25% of my net worth in cash and also keep a pretty high revolving balance in PayPal as well. I don't like all my monies in one jar.
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Old 10-01-2011, 07:01 PM   #9826
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Suntrust? TD? Dude, find a credit union. I haven't had an account with a commercial bank in probably 6 or 7 years.
I have banking at corning credit union and hsbc too, probably others I cant remember. My credit union is in NY and they charge and annual fee for a CC. I use boa for my everydayness, but come January when they implement this charge because a bunch of ******s overdrew their accounts and congress stepped in I'll be closing those accounts as well.
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Old 10-01-2011, 07:20 PM   #9827
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Bank accounts? Credit unions? **** that, I keep all my wealth under my house in the form of gold bullion, jewels and other precious metals.

$5 a month for a debit card isn't that big a deal. Definitely not worth stressing over.
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Old 10-01-2011, 07:36 PM   #9828
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My credit union is in NY and they charge and annual fee for a CC.
Really?

I have accounts with two (San Diego County CU and Florida Central CU) and both of them give me free checking, free credit cards, free debit cards, and relatively high interest rates on checking and money market accounts. At FLCCU, you even get one free blow job per month so long as you have $25k or more in your checking account.

Well, not really. But they do have cookies.


Sidebar: Today I was at Stater Brothers (local supermarket chain) buying some beer. At the checkout line, the lady in front of me bought ~$70 worth of groceries, and paid with cash which she took out of a small jar with a screw-top lid. Literally a clear plastic jar, like Nutella comes in.
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Old 10-01-2011, 07:39 PM   #9829
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I drove past a beat up van today. One bumper sticker said "click it or ticket" and a second said "don't steal. Your government doesn't want competition."

Isn't that an oxymoron?
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Old 10-01-2011, 08:16 PM   #9830
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"Charles Darwin would have liked this car - 2007 PORSCHE 911"
http://cincinnati.craigslist.org/ctd/2610105425.html
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Old 10-01-2011, 08:35 PM   #9831
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Sidebar: Today I was at Stater Brothers (local supermarket chain) buying some beer. At the checkout line, the lady in front of me bought ~$70 worth of groceries, and paid with cash which she took out of a small jar with a screw-top lid. Literally a clear plastic jar, like Nutella comes in.

it might come to that from me. this $5 fee is a new thing that ultimately all banks will do until congress tell them to **** as another way.
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Old 10-02-2011, 12:57 AM   #9832
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There going with the 5$ fee because the GOV is limiting the amount they can get from their swipe fees, I also use BOA. I saw an article today where they implied most customers will be to lazy to change banks, this is probably true, but I will be moving my accounts.
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Old 10-02-2011, 01:45 AM   #9833
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I have the ******* patience of a saint. I waited in line behind a single woman in WalMart for roughly 30 minutes. She was using the WIC program I think, and apparently she had some items that it would not cover, and the receipt didn't tell which item, so they went through her **** item by item. Then she still didn't have enough so they took off an item at a time until she had enough. She ended up leaving a half cart of junk food behind... People behind me were freaking out, being rude and saying mean ****. Yet I stood there are chill, propped against the soda cabinet and waited. Not like I had **** to do anyway. Though I was boiling with rage inside, I am able to hold it in very well. It takes a lot to make me pop my top, but when I do, be somewhere else.
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Old 10-02-2011, 01:55 AM   #9834
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Why not get in a different line?
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Old 10-02-2011, 02:00 AM   #9835
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Why not get in a different line?
It was the only line open at 23:00. Except for the single express lane open. But my $80 of groceries were already on the belt, so I was not about to put all of that **** back into my kart.

PS, Terra chips are the ****. Exotic veggies, not just potato chips. I've had the Mediterranean flavor before and loved them, this time I got the Thai basil curry flavor.
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Old 10-02-2011, 03:07 AM   #9836
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PS, Terra chips are the ****. Exotic veggies, not just potato chips. I've had the Mediterranean flavor before and loved them, this time I got the Thai basil curry flavor.
that **** is so 10 years ago. what'll be your next discovery? pirate's booty popcorn?
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Old 10-02-2011, 03:20 AM   #9837
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that **** is so 10 years ago. what'll be your next discovery? pirate's booty popcorn?
Well sorry, I'm not so trendy.
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Old 10-02-2011, 03:31 AM   #9838
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Well sorry, I'm not so trendy.
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Old 10-02-2011, 11:45 PM   #9839
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Any of the engineer majors or someone familiar with chem is online? I need help with a problem that I know is going to be on a test and I have the dumb. Here it is

a 0.500 gram sample of an unknown containing only In and Cl was dissolved in water with excess AgNO3 resulting in 0.972 grams of AgCl. Whats is the empirical formula of the unknown?

Thanks ya'll
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Old 10-02-2011, 11:53 PM   #9840
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Thanks for reminding me why I stopped going to college and decided to join the MC. I have chem with a passion. Sorry I can't help, if it was history, philosophy or psychology it'd be different.
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