slyoung10

[slyoung10]

Things to know about credit

I learned a few things at an informational session on Credit last week. As I was typing my notes, I thought you all might find them useful, so see below for my notes on credit!

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Credit types and ratio:

• 1-2 Installments - home loan / student debt

• 3 Revolving - credit cards

• Old lines of credit - shows good history

Your CreditKarma Credit Score is not accurate. Financial institutions use a FICO Score and creditkarma does not.

• Credit karma is still useful because their report is still right. This report info makes up your credit score.

FICO Score is based on:

• 35% past payment history - on time or not

• 30% outstanding debt - spending more than have coming in

• 15% how long you've had debt

• 10% new applications for credit

Building Credit:

• Consistency and paying on time build credit

• Check your credit score consistently to check for errors

• You can decline a higher line of credit because it makes your outstanding debt limit high

Debt to Income ratio: Fixed expense debts (minimum payments on cards & loans) divided by monthly gross income

Credit Report Copies www.annualcreditreport.com 877-322-8228

• Pull 1 report from each bureau every 4 months because you get one per year

• No credit score, just the data

FTC - Federal Trade Commission www.ftc.gov/idtheft 877-438-4338

• Place a fraud alert on your credit - 90 days or 7 years

• FTC Federal Trade Commission - Security freeze - restricts access to your credit report - Will delay approval of requests / bank activity -Good to think about if you're not doing anything with your credit anytime soon - Preventative measure for identity theft

Credit counseling agencies are primarily scams - don’t pay a third party agency to pay off your debt, work directly with the institution.

I hope this helps someone as much as it did me!

[slyoung10]

[slyoung10]

STORY TIME:

I work in a decent sized, local, indie bookstore. It’s a great job 99% of the time and a lot of our customers are pretty neat people. Any who, middle of the day this little old lady comes up. She’s lovably kooky. She effuses how much she loves the store and how she wishes she could spend more time in it but her husband is waiting in the car (OH! I BETTER BUY HIM SOME CHOCOLATE!), she piles a bunch of art supplies on the counter and then stops and tells me how my bangs are beautiful and remind her of the ocean (“Wooooosh” she says, making a wave gesture with her hand)

Ok. I think to myself. Awesomely happy, weird little old ladies are my favorite kind of customer. They’re thrilled about everything and they’re comfortably bananas. I can have a good time with this one. So we chat and it’s nice.

Then this kid, who’s been up my counter a few times to gather his school textbooks, comes up in line behind her (we’re connected to a major university in the city so we have a lot of harried students pass through). She turns around to him and, out of nowhere, demands that he put his textbooks on the counter. He’s confused but she explains that she’s going to buy his textbooks.

He goes sheetrock white. He refuses and adamantly insists that she can’t do that. It’s like, $400 worth of textbooks. She, this tiny old woman, bodily takes them out of her hands, throws them on the counter and turns to me with a intense stare and tells me to put them on her bill. The kid at this point is practically in tears. He’s confused and shocked and grateful. Then she turns to him and says “you need chocolate.” She starts grabbing handfuls of chocolates and putting them in her pile.

He keeps asking her “why are you doing this?” She responds “Do you like Harry Potter?“ and throws a copy of the new Cursed Child on the pile too.

Finally she’s done and I ring her up for a crazy amount of money. She pays and asks me to please give the kid a few bags for his stuff. While I’m bagging up her merchandise the kid hugs her. We’re both telling her how amazing she is and what an awesome thing she’s done. She turns to both of us and says probably one of the most profound, unscripted things I’ve ever had someone say:

“It’s important to be kind. You can’t know all the times that you’ve hurt people in tiny, significant ways. It’s easy to be cruel without meaning to be. There’s nothing you can do about that. But you can choose to be kind. Be kind.”

The kid thanks her again and leaves. I tell her again how awesome she is. She’s staring out the door after him and says to me: “My son is a homeless meth addict. I don’t know what I did. I see that boy and I see the man my son could have been if someone had chosen to be kind to him at just the right time.”

I’ve bagged up all her stuff and at this point am super awkward and feel like I should say something but I don’t know what. Then she turns to me and says: I wish I could have bangs like that but my darn hair is just too curly.“ And leaves.

And that is the story of the best customer I’ve ever had. Be kind to somebody today.

[slyoung10]

Happy 4th of July

[slyoung10]

This one time I went to an address by the American ambassador to the UK and he said he does this exercise with British students where he gives them index cards and asks them to write things on one side that frustrate/scare them about America, and on the other side things that inspire them about America, and he said when his office collected them the most-written concepts on the frustration side were like “guns, violence, racism” and the inspiration side was overwhelmingly “NASA”

[slyoung10]

Blind people must save a lot on electricity.

[slyoung10]

“tell us about your tattoos”

“ok well first off here is the 420 tombstone on my leg which symbolizes me smoking weed until i die”

[slyoung10]

[slyoung10]

Tokyo Disney Resort:)

[slyoung10]

Pedophiles don’t belong in the LGBT community. Go die in a fire. You are not welcome.

[slyoung10]

Black-ish - “Johnson & Johnson”

[slyoung10]

[slyoung10]

[slyoung10]

I never changed. I just learned.

http://twitter.com/goodquoteco (via kushandwizdom)

[slyoung10]

[slyoung10]

*gets pokemon go* *breaks into area 51* “sir this is government property!” “WHERE THE FUCK IS MEWTWO?!”

[slyoung10]