This seems like a good idea, right? Pay off debt promptly and earn a good credit score.
WRONG
Creditors need you to pay interest, that’s how their business works. Paying off your balance before it can accrue interest makes them no profit and actually negatively affects your credit score. Just to fuck you over.
To earn a good score, you want to regularly accrue small amounts of interest. Pay off most of your balance each month, but not all. The unpaid balance accrues a small amount of interest.
The reason it’s important to have a good credit score is that your credit score can affect almost anything in your life. Buying a used car at a dealer? Credit check. Renting or leasing an apartment? Credit check. Trying to take out a loan for anything ever be it a home, a business, or education? Credit check. Trying to get certain jobs? Credit check. Making a large purchase (appliances come to mind)? Credit check.
Even in situations that don’t seem financial credit scores are used as a seemingly objective measure of one’s integrity and ability to handle responsibility.
Just shoot me
This is NOT TRUE. You DO NOT need to pay any interest to have a good credit score. As long as you put some money on a credit card and make your payments on time, you can have a great score even if you pay it off in full every month. Credit card companies don’t like it, but they can’t penalize you for it.
Yeah, credit card companies hate it when you don’t pay interest. But that does NOT negatively affect your credit score because your credit card company DOES NOT CALCULATE YOUR CREDIT SCORE. It’s calculated by completely different organizations. All you do by paying interest on your credit card is LOSE MONEY. It doesn’t help you in any fucking way.
THE BEST WAY TO IMPROVE YOUR CREDIT SCORE IS TO PAY YOUR BILLS IN FULL AND ON TIME EVERY TIME.
THE BEST WAY TO IMPROVE YOUR CREDIT SCORE IS TO PAY YOUR BILLS IN FULL AND ON TIME EVERY TIME.
THE BEST WAY TO IMPROVE YOUR CREDIT SCORE IS TO PAY YOUR BILLS IN FULL AND ON TIME EVERY TIME.
THE BEST WAY TO IMPROVE YOUR CREDIT SCORE IS TO PAY YOUR BILLS IN FULL AND ON TIME EVERY TIME.
With the launch of VOICE also came the opening of VOICE’s official hotline, which fields calls from those who allege they are the victim of a crime carried out by a immigrant.
According to BuzzFeed, since the hotline’s launch, the phone lines have been tied up with calls about undocumented aliens— from outer space.
Given that the launch of the hotline coincided with Alien Day, people put two and two together and launched a plan to inundate the hotline with stories of alien abductions. Read more (4/27/17 10 AM)
I need you to understand that the fire that destroyed our National Museum isn’t a tragedy just for Brazil and Brazilians.
I need you to understand that the items in its collection weren’t important just for our national history. The museum contained the richest library on anthropology in our country. It contained the most ancient human remains found in our part of the world. It contained Egyptian mummies, Mesopotamian relics – and unlike many European museums, some of our items were not stolen as a result of colonization, but given (as the throne of Dahomey, for example).
This isn’t a Brazilian tragedy, it’s a global tragedy. Responsibility lies with Brazil and its incompetence, its ignorance, its complete lack of interest or respect for all that is intellectual, cultural, historical, scientific, yes; but the magnitude of this crime is much larger than our nation.
I wonder if there is a discord server for men who are HIV positive? I’ve been doing research and could only find one reliable subreddit, and similarly small amounts of Facebook groups
and even then the subreddit wasn’t as active. I wonder what kind of resources and support groups are available to men and women who have HIV that aren’t face to face or dependent on location, etc
HIV negative people can reblog this in hopes that it will reach people that are HIV positive. Thanks!
Please keep reblogging! I’ve not really gotten any responses yet
One of the most challenging things I’ve had to learn is that healing must be intentional. There is no one golden day that comes and saves you from all your misery. Healing is a practice. You have to decide that it’s what you want to do and actively do it. You have to make a habit out of it. Once I learned that, I only looked back to see how far I came.
ugh 