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Miss-a-paloosa

The last movie I´ve watched in a cinema was Avatar, so everything that was released after that I missed.
 
Euchale said:
I´ve never owned a credit card.
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I didn't until I was 20 or so. You're not in the USA, so credit lines and credit ratings are probably vastly different. In the US, you'd be hurting yourself more than helping down the line by not owning a credit card. Mortgages / Car Loans / anything uses a credit rating, and having no rating is worse than a bad rating.

I can talk about this stuff for daaaaaaaays.
 
Gyoin said:
I didn't until I was 20 or so. You're not in the USA, so credit lines and credit ratings are probably vastly different. In the US, you'd be hurting yourself more than helping down the line by not owning a credit card. Mortgages / Car Loans / anything uses a credit rating, and having no rating is worse than a bad rating.

I can talk about this stuff for daaaaaaaays.
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Yup, that's how it was with my wife. I had the best credit and she had none so i would always do the credit stuff. I had to start young with like 22% on my truck loan. Yeah i know it is high but what could i do at 18. Now i have outstanding credit rating and got my car at like 3% and my house a fixed single digit number under 5%.

But back on topic before i go in to far.

-Never been to Disneyland
-Never been outside the U.S.
--Never had sexual relations with a teacher.
 
Baldoraxx said:
-Never been outside the U.S.
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Come to Germany. Now.


Gyoin said:
ou're not in the USA, so credit lines and credit ratings are probably vastly different.
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It is. We have something called "Schufa" which gets an entry whenever you´ve been unable to pay something and how long it took until you resolved it (I should add: From you bank account). Don´t know if it´s better or worse than you credit card rating though.
 
Euchale said:
Don´t know if it´s better or worse than you credit card rating though.
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Our systems are over complicated and "mysterious" when it comes to finding certain scores, but overall it's pretty simple. If you have debt and pay it off on time, your credit score goes up. If you suck with your money and don't pay for things, it goes down. If you don't have debt, you're penalized.
 
I've never seen "A Christmas Story" or "Miracle on 34th Street"
I've missed just about every TV show since 2009
I've not played a console game (other than Halo once) since the PS1 era
I've got to google just about any US band in the past few years, now matter how popular.
(Had no clue what people were talking about when that "Happy" song was so popular, and I barely knew about "Gangnam Style" for its first year. I really thought they were Talking about how silly Seoul fashion and music was)
I've got no steam account and only recently figured out what it was.
I've thought LoL was just a more serious lol for too long.
(was always really confused about how to play LoL, maybe it's a hipster trolling? so silly I was)

I think that's enough about me...
 
Hi-jack!
Gyoin said:
Our systems are over complicated and "mysterious" when it comes to finding certain scores, but overall it's pretty simple. If you have debt and pay it off on time, your credit score goes up. If you suck with your money and don't pay for things, it goes down. If you don't have debt, you're penalized.
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Also if you don't take out large loads of debt it goes down as a penalty for paying everything in cash and planning ahead.
If I didn't have a credit card I periodically use for airline tickets I'd have a credit score of 0 because all my loans and such are off the books by many years now. I also saw my score go down because I only had one credit card and payed off everything in lump sums when I finally made enough to do so.
Go figure, those who are most able to pay off the debt have a penalty score because they dont play the system and thus are less likely to be a profit whore for the financial companies.
 
Cheese said:
Go figure, those who are most able to pay off the debt have a penalty score because they dont play the system and thus are less likely to be a profit whore for the financial companies.
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https://www.youtube.com/watch?v=0fz9-gqwThQ


Exactly. If I could, I would pay everything in cash. Instead, I use a 1.5% rewards on all purchases card and a 5% rotating quarterly rewards card and pay them off every month. I make about roughly $150 a year between these two cards, just paying for things I would pay normally. This in turn pays me to build my credit higher.
 
True, I do miss those programs overseas. An all cash society is kinda boring.

Was mainly talking about the ironic nature of carrying permanent debt raising your credit score. It's just smart to take advantage of the card bonus programs. Double so as if you use a Debit card all the transaction fees are on you and not the retailer.
 
Cheese said:
True, I do miss those programs overseas. An all cash society is kinda boring.

Was mainly talking about the ironic nature of carrying permanent debt raising your credit score. It's just smart to take advantage of the card bonus programs. Double so as if you use a Debit card all the transaction fees are on you and not the retailer.
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Well, the misconception is that paying interest on long term debt is beneficial for your credit score, and this is actually false. It's just as effective to hold a credit card as I do and pay it off monthly. Mortgages, Student loans and Car loans have no more bearing on your credit rating than a credit card, as long as it is paid on time. Paying interest does nothing for your credit rating, and financially is one of the worst things you can do with your money (you're just paying for time).

It's not simply the length that debt is carried, or that amount of debt. Simply that debt exists, and you can financially manage it. Hence my stipulation specifically towards credit cards.

But let us not de-rail this topic further.


I still have not seen 2 of the 6 star wars movies.
 
Baldoraxx said:
GASP. For those going to the 6 flags. Bring all 6 movies and watch them. Gear him up for the next few coming out.
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Does it help that it's 2 and 3, and not part of the 4-6 series?

(which do add, I've only seen once each)

And fuck that. I'm not wasting valuable time with guildies watching movies.
 
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