I can get 10k tomorrow from this place. They send me shit all the time because I took out a 3k loan over a year ago. I'm now pre-approved (not qualified) for 10k.
My friend's wedding is less than 2 months away. 10k would be more than enough to party kind of hard until then. I'd even buy a car to get me around.
!ocurburUbk joined in and replied with this 15 years ago, 2 minutes later[^][v]#190,815
No.
Anonymous C joined in and replied with this 15 years ago, 6 minutes later, 9 minutes after the original post[^][v]#190,819
Yes. But what will you do with all your time? I'd need about $100k for a healthy cocaine and heroin addiction.
jump? (OP) replied with this 15 years ago, 3 minutes later, 12 minutes after the original post[^][v]#190,822
@previous (C)
No interest in that. I'd lay around doing nothing, on between gorging and masturbating (I have enough weed to last me, even if I smoked constantly. Just stocked up.)
Anonymous C replied with this 15 years ago, 1 minute later, 14 minutes after the original post[^][v]#190,823
@previous (jump?)
You have no interest in synthetic happiness? I can't understand it.
I can't see how you'd spend 10k in two months without doing something like that
Anonymous D joined in and replied with this 15 years ago, 3 minutes later, 17 minutes after the original post[^][v]#190,830
Since you're approved for ten grand, take it. Cash it out, and put it in the bank. Sit on it for 1 year, and then pay it off with the money in the bank. consider the interest paid as an investment in a higher credit rating and they will be willing to raise your limit again, probably to 25k. Just make your monthly payments on it, and build your credit. Do this again in a year, but do it with another card. After a few cards, and a few years your credit rating will be stellar, and you'll have 100k available credit. You can then start a business if you like and use your credit to get it going. Your credit will be good enough to get you a really nice mortgage. It can be a life saver, too.
essentially you'll be buying a better credit rating. it just works.
Just don't abuse it by spending it on stuff.
(Edited 1 minute later.)
Anonymous C replied with this 15 years ago, 1 minute later, 19 minutes after the original post[^][v]#190,832
@previous (D)
I think you're missing the point of what he's planning.
Anonymous D replied with this 15 years ago, 1 minute later, 20 minutes after the original post[^][v]#190,835
@previous (C)
Oh, I thought he was trying to improve his life. Nevermind, carry on.
Wade Wilson !IOdbnXsKDk joined in and replied with this 15 years ago, 1 minute later, 22 minutes after the original post[^][v]#190,840
@190,830 (D)
This is what i was trying to find. Its a damn decent idea.
jump? (OP) replied with this 15 years ago, 1 minute later, 23 minutes after the original post[^][v]#190,843
@190,830 (D)
What the fuck are you going on about?
@190,823 (C)
Well, I'd blow a lot at my friend's batchelor party. I'd try to get coke for it, I guess. I dont have any interest in those kind of drugs, but I wouldn't turn it down if offered.
I'd probably get a few prostitutes. Why not? If I felt bad, it wouldn't be for long. I feel terrible all the time anyway.
I'd get delivery every day. I'd get chicken wraps. Every day. Shit is good.
Anonymous C replied with this 15 years ago, 3 minutes later, 26 minutes after the original post[^][v]#190,849
@previous (jump?)
Do you think you'd develop an addiction which would end up ruining your plans? It would seem like there would be no better situation to take them
Anonymous D replied with this 15 years ago, 58 seconds later, 27 minutes after the original post[^][v]#190,851
@190,840 (Wade Wilson !IOdbnXsKDk)
It really works, but the critical part is putting the 10k (or 1k) in the bank and not spending it. It'll even draw a slight interest itself and slightly offset what you're doing. Too much available credit can be bad too, but I have no idea the ratio. But, it's a fantastic way to jump start your credit rating. Banks will loan you more. better rates. It's pretty solid.
Anonymous D double-posted this 15 years ago, 53 seconds later, 28 minutes after the original post[^][v]#190,852
@190,843 (jump?)
you're talking about cashing out a credit card for 10k right?
Anonymous C replied with this 15 years ago, 1 minute later, 30 minutes after the original post[^][v]#190,854
@190,851 (D)
What credit limit do you have now? And out of curiosity what do you plan to do with it?
Also what you're doing sounds similar to what was going on directly before the start of the great depression haha
(Edited 39 seconds later.)
jump? (OP) replied with this 15 years ago, 20 seconds later, 30 minutes after the original post[^][v]#190,856
@190,849 (C)
No. I don't know where to get heroin (I mean, I know WHERE street dealers are, but I'd probably just get robbed), and coke doesn't really do much for me (tahrs true for most stimulants).
There isn't a great enough desire. If someone was like "here's some heroin" I'd dig right in though.
jump? (OP) double-posted this 15 years ago, 50 seconds later, 31 minutes after the original post[^][v]#190,857
Anonymous C replied with this 15 years ago, 1 minute later, 33 minutes after the original post[^][v]#190,859
@190,856 (jump?)
Fair enough. It'd seem like it wouldn't be that difficult to at least find painkillers, but maybe you're just not an opiate type of guy.
Anonymous D replied with this 15 years ago, 5 minutes later, 39 minutes after the original post[^][v]#190,860
@190,854 (C)
excellent rating. I'll be purchasing a house, which is the only reason I use credit for anything at the moment. After I buy a house I may relax and use it more freely, but I generally dislike credit so I might keep the one card and not bother expanding it to two. I'm not planning on starting a business or anything fancy, so I'll probably lower my limit. Not that it's stupid high right now or anything.
My brother taught me this, he did it over a 10 year period and opened a business with it, so, lol. That's who I got the idea from. He also had the 1 year no payments/interest and floated the debt around and just payed the minimums which was only going towards the principle at the time. Helped during tight times. I forgot what other shenanigans he pulled, but my other brother is an investment guy which is who he learned it from, so... all I know is I want a house.
Anonymous D double-posted this 15 years ago, 1 minute later, 40 minutes after the original post[^][v]#190,861
@190,857 (jump?)
Oh, yeah. I'd not do that. You'd have to pay it back. (unless you don't, then do it!)
jump? (OP) replied with this 15 years ago, 12 minutes later, 53 minutes after the original post[^][v]#190,868
I could also cash out my 401k. It wont be as much (penalties and taxes), but maybe that's more honest? I guess that money would likely end up going towards the loan anyway.
I have a life insurance policy from my work that pays out one year's salary, I don't know if it works on non-accidental deaths other than murder, though. Since I think it doesn't, and can't find any info online, I don't see a reason to stick it out to the end.
I don't still have the info, which I'm sure was given to me on it.
Anonymous F joined in and replied with this 15 years ago, 1 minute later, 54 minutes after the original post[^][v]#190,869
a thousand times no
ltamake !!onnLC5KY8 joined in and replied with this 15 years ago, 4 minutes later, 59 minutes after the original post[^][v]#190,870
Anonymous H joined in and replied with this 15 years ago, 1 minute later, 1 hour after the original post[^][v]#190,871
Dang must have cleaned up cookies and ended up as anon
Syntax here or there or somewhere via edit
Read the fine print. 10K line of credit looks good until you read the fine print. The actual cash value you can get from the account is sharply limited. Might be as much as 3K total in cash.
Of course you can still order food and booze and charge it to the card but do not expect much in cash value.
(Edited 2 minutes later.)
Anonymous C replied with this 15 years ago, 3 minutes later, 1 hour after the original post[^][v]#190,874
Wouldn't you have to meet with a loan officer and have a reasonable sounding plan of what you'll do with the money, jump?
jump? (OP) replied with this 15 years ago, 47 seconds later, 1 hour after the original post[^][v]#190,876
@previous (C)
Buying a car and some home repairs. They didnt seem to care much the last time.
Anonymous C replied with this 15 years ago, 33 seconds later, 1 hour after the original post[^][v]#190,878
@190,871 (H)
Y does the quality of thy re: grammar vary so much?
Syntax replied with this 15 years ago, 4 minutes later, 1 hour after the original post[^][v]#190,883
@previous (C)
Depends on if I feel like messing with English or not. Also depends on my work multi-tasking. I have so little respect for English vs Math. One cannot mess with Math and English is not exactly a science
Wade Wilson !IOdbnXsKDk replied with this 15 years ago, 1 minute later, 1 hour after the original post[^][v]#190,884
@190,851 (D)
I'm planning on doing this, putting it into a CD so I absolutely can't touch it without massive fees.
Ks joined in and replied with this 15 years ago, 30 seconds later, 1 hour after the original post[^][v]#190,885
Nah, but a direct bank loan for a cheap car sounds like it wouldn't hurt.
jump? (OP) replied with this 15 years ago, 50 seconds later, 1 hour after the original post[^][v]#190,887
@previous (Ks)
no interest in that. Cars get into accidents
Ks replied with this 15 years ago, 3 minutes later, 1 hour after the original post[^][v]#190,891
@previous (jump?)
When is the last time you had a car? I can't imagine not having one, even if public transport were an option...
Syntax replied with this 15 years ago, 1 minute later, 1 hour after the original post[^][v]#190,892
@190,876 (jump?)
From years of experience it works best to use a line of credit EVEN IF you have no need for it.
The more often you use it the better your credit score is. Then one day when you really can use a lot of credit it is easily available. Mess with it in any way and you end up with decade plus of grief.
For example just this year I have picked up $550 in REAL Cash money from Three banks. Chase gave me $150 after 6 weeks for just opening a new checking account. Later they offered me $150 with a 60 day wait IF I accepted a new Chase credit card and I already had one. IF I had waited just one more week the amount would have been $200. So yes I R pissed I missed out on the $50
The balance of the $200 this year so far is from Bank of America who I already have accounts with. Each bank creates new products and in the case of B0A it was some new deal with American Express who I already have cards with.
There will be more money this year because other banks are making the same kind of offers.
The downside is- One dare NOT cancel a card. That is NOT a good thing for credit scores.
Syntax double-posted this 15 years ago, 2 minutes later, 1 hour after the original post[^][v]#190,894
@190,891 (Ks)
I have considered living in New York city for one full year because I have a super place available at no cost on the West side just across from the park. And for sure I would NOT own a car there. The concept of driving in New York City makes no sense at all.
Anonymous C replied with this 15 years ago, 1 minute later, 1 hour after the original post[^][v]#190,895
@190,892 (Syntax)
He's not concerned with anything past a few months from now.
jump? (OP) replied with this 15 years ago, 3 minutes later, 1 hour after the original post[^][v]#190,897
@190,891 (Ks)
A few months. It's not convient. I'd have to walk 15-20 minutes each way to the grocery store, or get a ride. I hate going, so I just don't now. I will maybe once a month.
It sucks, but I really dint want to drive anywhere. I really hate taking the train. It used to get me really stressed, but I don't give a fuck if I'm late anymore. I just hate being on the train. I feel awkward. I also get paranoid.
I just would rather not have to do these things.
Ks replied with this 15 years ago, 7 minutes later, 1 hour after the original post[^][v]#190,904
@previous (jump?)
Sounds hectic, crowded and shitty. Fuck the city lol. How can you relax in an environment like that? I'm sitting here listening to the crickets and frogs, looking at a sky full of stars, its nice and peaceful. Have you ever considered a change of scenery? Vacations are nice to get away from it all, but they are so short... it just leaves you wanting more. You're not happy where you are, maybe things could be different for you elsewhere. Its a thought...
Syntax replied with this 15 years ago, 19 seconds later, 1 hour after the original post[^][v]#190,905
I have traveled the World for much of my life and notice that in places where people have to walk DAILY - They do not get obese. Those that drive everywhere end up as far more lazy and of course end up Obese for the most part.
For instance in Moscow or Siberia in Russia the Russian Mafia all drive SUV's and all are Obese.
Ordinary Russians who do not drive eat leaner meat of course and in total you never see them Obese. That holds from South America to China and from Australia to Russia.
If not for a plan on getting daily exercise I would be Obese as well. So yes I say I am going to walk to the store and have but usually drive, what wood be a simple 20 minute round trip walk. But I do my daily 10 mile run so I do not feel guilty plus the Endorphin high daily is very very cool.
jump? (OP) replied with this 15 years ago, 8 minutes later, 1 hour after the original post[^][v]#190,910
@190,904 (Ks)
Its probably great advice for a lot of people. It's not something I'm looking in to.
jump? (OP) double-posted this 15 years ago, 51 seconds later, 1 hour after the original post[^][v]#190,911
@190,905 (Syntax)
Most Russians are very poor. The mafia has money. They have more than homemade vodka to sustain them.
Anonymous C replied with this 15 years ago, 5 minutes later, 1 hour after the original post[^][v]#190,916
@190,905 (Syntax)
I think this supposed endorphin high is a conspiracy
Syntax replied with this 15 years ago, 2 minutes later, 1 hour after the original post[^][v]#190,917
@190,911 (jump?)
Yes and I worked and lived in Russian for 6 months at a tyme and frankly loved it. Terrific people. Mafia introduced themselves to me in a official way offering help if I ever needed it. My fav story about Russians. First week in Russia I found a beer similar to Guinness. Found it at a cart on corner near my hotel but could not get the gal inside the cart to understand what I wanted. I asked for help from passers by and a guy translated for me. Then he asked me if I would buy him a drink. I said to self oh shit here we go.
It was his English and he meant to say to me- Can I buy you a drink? I again said to self oh shit. But I followed him a few yards to the stairs leading down to a frozen river with his full extended family having Vodka and home baked items. Russians drink Vodka with a chaser of very very weak fruit juice.
I offered to go to the local store and buy Vodka and discovered that is not acceptable. Russians all say we are poor but what we have is yours. So great hosts and invites to dinner. Got to know the whole family and neighbors over a year plus of trips over there for work.
Cannot even take a gift of wine or food items but a small inexpensive toy for kids was acceptable. I do continue to send Christmas gifts to the kids every year.
jump? (OP) replied with this 15 years ago, 3 minutes later, 1 hour after the original post[^][v]#190,918
Syntax replied with this 15 years ago, 7 minutes later, 2 hours after the original post[^][v]#190,919
@previous (jump?)
Fact is other then Columbia (Drug traffic and kidnappings) I have yet to go anywhere without nice people - Even Columbia which is really a neat country is just super, but currently not a place to be. I suppose I wood now find Sudan to be unpleasant but have been there and the people are just super.
Probably more rude people in New York City or Newark but my experiences are 99% perfect when it comes to travel. Only once was ripped off and that was in Morocco on a vacation with a Girlfriend and considering it was for $1000 - shoot in total years of travel that's chump change.
Maybe I loved Russia more then most because I am 1/2 Russian. Loved the simple food but admit I never did end up loving the mass of buckwheat they try to feed you. Also never had a Borscht that was really Red like my Grandmother or Mom made.
Anonymous C replied with this 15 years ago, 8 minutes later, 2 hours after the original post[^][v]#190,924
Syntax replied with this 15 years ago, 7 minutes later, 2 hours after the original post[^][v]#190,925
@previous (C)
One of those guides you hire so you can navigate the city without the beggars driving you insane. I only do that when with a GF on trips. Kid took us after a few days to a rug shop and we wanted to buy a rug anyway. Paid for it and it never arrived nor could I get the credit card company to resolve it. Should have used my American Express card but at that tyme the only one I had was tied to my work and I did not want to mix personal and work on that card but COULD HAVE!!!! So bottom line it was my fault.
Its not like $1000 over the long haul hurts but the rip off is so rare in my world - Now a better memory is sending some stuff at the hotel out for cleaning and the maid returns with a $20 bill in her hands - Cleaners found the money and returned it nor would she or they take a small reward for the return- Said it was against the Muslim rules. I did leave a very nice tip when we checked out because that one can do. Made sure the maid got it.
So over all that $20 return is a far more better memory then the loss of the $1000
(Edited 1 minute later.)
jump? (OP) replied with this 15 years ago, 10 minutes later, 2 hours after the original post[^][v]#190,928
@previous (Syntax)
That may have just been a mistake. I heard an almost identical story, but they got the rugs. It was just that they didn't want a rug (I also heard the same thing on the Joe rogan podcast, but forget who it was that it happened to). The guy on the Joe rogan podcast said the guides look like Jedis. My friend didn't mention that, though. I would think it would be the first thing you say.
Syntax replied with this 15 years ago, 10 minutes later, 2 hours after the original post[^][v]#190,930
@previous (jump?)
More a bank in that City making promises to correct the mistrake yet it never did happen.
In New Orleans we sent out a mass of stuff to be cleaned and they found several hundred dollars my GF stashed for safe keeping lol. All returned. We got a cab and picked up some food and went to the cleaners with flowers and food as a thank you. Over all I just cannot think of any real negative anything in years and years and 100,000's miles of business or fun travel.
Water in Hotel in Siberia came out brown LOL but that was the 2nd best digs Qualcomm could find for me. The best place was not acceptable re hookers knocking on doors at 2AM much too often but even then that was just prior to me coming on over to join some mates for work. So one just bought lots of bottled water and used it to rinse off after a shower of very rusty muddy water from the shower with wayyyyyyyy to much chlorine. Then again the guy I pay good money too keep my Jacuzzi clean and proper did just that yesterday. 2Day I got out fast re overload of chlorine.