#score reporting

[bitchesgetriches]

Hello Bitches! A question for you with the current "ah, so now the banks are closing" thing that's starting. I've been hesitant about pulling the trigger on a move from Hells Fargo for several years because I'm afraid it would bump down my oldest account age thing, but I'm feeling more and more like it's time. Do checking/savings accounts get counted on your credit report?

NO THEY DO NOT! There will be zero repercussions from changing banks for your checking and savings accounts. It won't hurt your credit score, but it WILL help if you get away from a predatory bank like Wells Fargo.

Here's more advice for your situation, hunny bunny:

How the Hell Does One Open a Bank Account? Asking for a Friend. 

Cheat on Your Bank—It's Not Your Girlfriend 

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards 

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[nenoname]

i know it's because the episode cant reveal that stanford pines is the author too early and this would be a dead giveaway, but its still so skddkfdjhd that the agents didnt uncover ford having 6 fingers (especially when they managed to get his fingerprints) or a twin after investigating him for weeks

[foldingfittedsheets]

Tried to call and change my name with a credit card. I couldn't do it online, so I called and I was somehow unprepared for her to ask, "What is the reason for the change?"

I stared into space and said, "Uh... gender."

There was a very long pause before she went, "Alrighty."

[theamazingian]

Sonic Prime fans y’all about to feast I guess

[lylilorden]

cant find the post and dont feel like looking for it so i'm just starting a new one

i had my first final exam earlier this morning and i think it went pretty well?? fingers crossed. that class is now completely done, so i can put it on the shelf in my head next to technical english labeled "never have to think about this again probably"

i have sequestered myself on one of the top floors of the library (quiet, big tables) to force myself to work on the last lab report for physics, and i'm going to try to get that done, written and turned in today. so if you see me on here reblogging a bunch of posts in a row for like, half an hour straight, feel free to (gently) bully me back to work so i can also be done with that class and put it on the "never have to think about this again probably" shelf

i'll be trying to keep an eye on the time, but -points at the ADHD time blindness- that sometimes gets away from me

[estonian-is-horrible]

61% for 2020 apparently and 7.741 score on the 2024 world happiness report

[roomwithanopenfire]

i am so beyond frustrated by this one class right now. It *should* be an easy class. It's literally an 100 level class but i swear no one's on as much of a powertrip as professors who teach 100 level classes omgg. These weekly assignments are only worth 7 points and if you use ONE single "to be" verb (or "to have" verbs which for some reason he thinks are "to be" verbs), end a SINGLE sentence in a prepostion, use a comma incorrectly, or whatever, he takes off a point, and with the grading scale that means that you get a B on the assignment. I literally got a C on the "tell me about yourself" assignment. The questions were "where are you from?" and "what did you do during the summer" and I GOT A C ON IT??? literally so annoying.

Anyways, I forgot to take one single quiz (my fault I know, but i'm a good student i literally never do that except i forgot :( ) and now i have to be perfect in the rest of the class (and do the extra credit) to still get an A (and i'm not getting a B in an 100 level class, so far the only class i've gotten a B in is chemisty and that one was actually hard), but it's so hard to be perfect in a class when the only thing i'm getting points off on is stupid little grammar mistakes. I'm not learning a single thing in this class i'm just stressing over not misplacing a comma or writing out a number higher than eleven when those are supposed to be written in symbols in APA or whatever. I literally just spew word barf for all the assignments and then go through and do backflips to make sure there's no "to be" or "to have" verbs in them, because if you make like more than 2 mistakes he takes off points from them.

[dairine-bonnet]

It's highly probable that the dynamic between Heinrix and the Rogue Trader is like that:

Heinrix van Calox: I'm writing down everything that happens to the Rogue Trader's team and all the decisions made by the Rogue Trader in a report... but in pencil for now .

Heinrix van Calox *to the Rogue Trader*: Unless you change your dubious approach to solving problems, I'll write everything down in pen (or type it)...

Well, and then, depending on the development of the plot and the relationship between Heinrix and the Rogue Trader, he will either destroy the reports... or not!

P.S. В общем, карандашиком всё он записывает... пока...

[bitchesgetriches]

{ MASTERPOST } Everything You Need to Know about Credit and Credit Cards

Understanding credit

Dafuq Is Credit and How Do You Bend It to Your Will? 

Dafuq Is a Down Payment? And Why Do You Need One to Buy Stuff?

Ask the Bitches: Should I Get a Loan Even Though I Can Afford To Pay Cash?

Season 2, Episode 10: “Which Is Smarter: Getting a Loan? or Saving up to Pay Cash?”

Ask the Bitches: What’s the Difference Between Credit Checks and Credit Monitoring? 

When (And How) To Try Refinancing or Consolidating Student Loans

Season 3, Episode 7: “I’m Finished With the Basic Shit. What Are the Advanced Financial Steps That Only Rich People Know?”

Buy Now Pay Later Apps: That Old Predatory Lending by a Crappy New Name 

Using credit

How to Instantly Increase Your Credit Score…For Free 

How to Build Good Credit Without Going Into Debt 

Case Study: Held Back by Past Financial Mistakes, Fighting Bad Credit and $90K in Debt 

Season 1, Episode 3: “My Parents Have Bad Credit. Should I Help by Co-signing Their Mortgage?” 

Season 3, Episode 2: “I Inherited Money. Should I Pay Off Debt, Invest It, or Blow It All on a Car?”

Season 2, Episode 2: “I’m Not Ready to Buy a House—But How Do I *Get Ready* to Get Ready?”

Credit cards

A Hand-holding Guide To Getting Your First Credit Card 

63% of Millennials Are Making a Big Mistake With Credit Cards

Let’s End This Damaging Misconception About Credit Cards

The Best Way To Pay off Credit Card Debt: From the Snowball To the Avalanche

Credit Card Companies HATE Her! Stay Out of Credit Card Debt With This One Weird Trick 

Season 4, Episode 3: “My credit card debt is slowly crushing me. Is there any escape from this horrible cycle?” 

Here’s What to Do With Those Credit Card Pre-approval Offers You Get in the Mail

We’ll periodically update this masterpost as we continue to write tutorials and answer questions on credit. So if there’s anything you’re confused about, keep the questions coming!

And if we’ve helped you increase your credit score or pay off your credit card debt, consider tossing a coin to your Bitches through our PayPal. It ensures we can pay our lovely assistant and keep bringing you free articles and episodes like those above.

Toss a coin to your Bitches on PayPal

[cementcornfield]

A Retrospective on Ja'Marr's Rough Rookie Preseason (and How Joe Was There for Him Throughout)

Ja'Marr on The Pivot: I just wanted to get in where I fit in, just slowly make my mark and show the guys around me I could still play... Joe even knew that I was getting too hard on myself but Joe was just telling me like, 'I know what you can do, just get back in the rhythm, play your game, and you know we're gonna take off from there.'

Ja'Marr on Pat McAfee: It had a toll on me, it was a little mentally draining, knowing I was getting attacked just getting into the league... it just took a little minute for me to get back into the rhythm of things, get used to the offense again and once all that was coming on, I wasn't really worried about it. Joe helped me pick myself back up and get back on the road.

[gammaraydeath]

this is it... hell day begins

[carlyraejepsans]

I'm finally done with my uni entry exams!!!

[significant-narratives]

diva is as diva does

[a-smol-bean]

I uninstalled block blast on accident so my previous high died (rip) but I cried tears of jey at this beauty. My friend was very concerned.

[sarkariresultdude]

Advanced Placement (AP) Exam Results: A Comprehensive Reflection

The outcomes of the Advanced Placement (AP) assessments represent the fruits of rigorous academic attempt, intellectual increase, and strategic education. Each 12 months, high school students throughout america and round the sector take AP tests in hopes of earning university credit, status out in university admissions, and validating their mastery of university-degree coursework. For college students, colleges, and educators alike, AP results are greater than simply numbers—they mirror challenges triumph over, teaching effectiveness, and readiness for higher schooling.

AP Score Report For Educators

This 12 months’s AP exam outcomes provided a wealth of insights. After months of in depth look at and instruction, I acquired my scores in early July. I had taken five AP checks: AP English Literature and Composition, AP Calculus AB, AP U.S. History, AP Biology, and AP Psychology. The anticipation leading up to attain release day was palpable, and while the rankings were eventually published, the variety of emotions I experienced became significant.

My effects have been as follows:

AP English Literature and Composition: 4

AP Calculus AB: 5

AP U.S. History: 4

AP Biology: three

AP Psychology: 5

Each rating carried with it a wonderful narrative—a mirrored image no longer best of the check itself however of the journey for the duration of the college 12 months.

AP Calculus AB changed into, in many approaches, the examination I felt maximum organized for. My instructor had a structured approach, making sure we blanketed every unit with exercise troubles, quizzes, and weekly evaluations. I additionally applied supplementary assets like Khan Academy, practice checks from College Board, and peer observe corporations. Scoring a 5 became deeply rewarding—it affirmed my information of differential and crucial calculus and gave me self belief in pursuing STEM publications in college.

AP Psychology, another subject wherein I scored a 5, turned into a marvel success. While the direction turned into content material-heavy, the standards have been intuitive and regularly linked to actual-lifestyles reviews. The combination of day by day flashcards, mock tests, and attractive school room discussions made the getting to know method exciting. The high score became a testament to constant have a look at and a true hobby in the cloth.

On the opposite hand, AP Biology posed a big venture. The sheer volume of records, from cellular respiration to ecological systems, become daunting. While I had a solid hold close on many topics, time constraints and the pressure of the check affected my performance. A score of three, while nevertheless passing, was slightly disappointing. However, it was a valuable gaining knowledge of enjoy—it taught me the significance of pacing, balancing breadth with depth, and spotting while greater targeted observe is wanted.

AP U.S. History and AP English Literature had been each annoying in terms of analytical questioning and writing. In AP U.S. History, the emphasis on crafting proof-primarily based essays and interpreting primary assets helped sharpen my crucial thinking abilities. The course supplied a nuanced view of American history, transferring past dates and occasions to explore themes and contradictions. Scoring a 4 pondered my effort and growth in ancient analysis.

AP English Literature, a direction centered around deep textual analysis and literary interpretation, become both tough and enriching. I evolved a extra appreciation for literature—from Shakespearean tragedy to present day poetry. My rating of four turned into the result of regular essay practice, feedback sessions with my trainer, and peer reviews. While I had was hoping for a five, I identified that the interpretive nature of the examination made it inherently subjective.

These outcomes, taken collectively, provided a holistic view of my educational abilities. They highlighted my strengths in quantitative reasoning and mental standards, as well as regions for improvement in scientific literacy and analytical writing. More importantly, they found out patterns approximately how I research excellent. For instance, in publications in which I hired active recollect, institution discussions, and constant evaluation, my rankings tended to be better.

Beyond character performance, AP examination results are big at a broader level. They function a benchmark for high school academic standards and university readiness. In my faculty, the collective overall performance of college students in AP courses changed into a point of satisfaction. Teachers analyzed trends, figuring out which units or question kinds posed challenges for almost all. This information knowledgeable curriculum modifications, centered interventions, and expert development classes.

For educators, the effects additionally replicate instructional effectiveness. In topics like AP Psychology and AP Calculus, wherein the majority of students scored 4s and 5s, instructors were commended for their readability, engagement, and use of differentiated preparation. In publications with lower average rankings, school participants collaborated to identify instructional gaps, redesign lesson plans, and growth possibilities for practice and feedback.

On a country wide stage, AP rankings make a contribution to ongoing conversations approximately instructional fairness. While get admission to to AP guides has multiplied drastically in latest years, disparities in rankings nevertheless persist based totally on geography, socioeconomic reputation, and school sources. Some college students have get right of entry to to AP labs, exam prep workshops, and experienced teachers, while others depend entirely on textbook gaining knowledge of or self-observe. Understanding those disparities is vital for making the AP application more inclusive and powerful for all students.

Reflecting by myself AP journey, I apprehend that the tests have been not simply checks of knowledge—they had been catalysts for boom. The rigor of AP publications taught me time control, vital thinking, and highbrow curiosity. They driven me past memorization, encouraging synthesis, evaluation, and argumentation. Whether in building a thesis-pushed essay or fixing a multistep calculus trouble, the talents I obtained had been transferable and enduring.

Moreover, the AP experience prepared me for college-stage expectancies. The fast-paced curriculum, common assessments, and emphasis on independent gaining knowledge of reflected what I will come upon in better schooling. Having already earned university credit score in Calculus and Psychology, I additionally have the flexibility to explore superior electives earlier in my university career.

[oraoraorihara]