How To Establish a Credit
- Pick a couple of banks that you wish to establish relationships with.
- Go to your bank that you primarily have your banking relationship with and open up a $500 savings account.
- Speak with your bank consultant and ask to open up a $500 line of credit secured off of your $500 savings account.
- Take the $500 line of credit and use it to open up another savings account at a different bank.
- Now ask consultant there to open up $500 secured line of credit based off of that savings account.
- Repeat until you have 3 - 5 outstanding secured bank loans.
- Make payments on the interest for the accounts.
- Having a cell phone, paying any and all bills on time (not including rent) will help build your credit, just as long as the bills are in your name and social security number.
- *It is a good idea to check the reporting policies of your cell phone company as some have policies of only reporting negative credit information.
Tips
- After 6 months your credit history will start to build up and your score will continue to climb also.- Start at something small and work your way up, don't worry, as long as you have a little bit of good credit, you'll be fine.
- You will need to make successful payments on all the accounts. In most cases this is just the interest. At any time though you can work your way backwards though to close the accounts once you have built up your credit.- Don't go overboard on the credit cards and loans, they can help with your credit history, but only if you pay them on time!- If you do not want to keep the secured cards, change to credit cards you like and get rid of the secured ones as soon as possible. Getting rid of a long-standing account will do damage to your credit. (Or ask the bank if it is possible to convert your current secured card(s) to unsecured.)
posted by Marvstyles
1:33 PM
How to Ask a Coworker for a Date
- Ask yourself, "Am I important to this company? Will it pain the boss to see me go?" If the answer is "no," expect to lose your job and have a backup job in mind.
- Is the girl your superior? If so, then forget about it. Unless she has shown incontrovertible interest in you, this should remain a fantasy. A number of things could go wrong with this scenario.
- Does she like you? Be very honest with yourself when it comes to this question. Does she ever come over to your desk to chat? Does she wink at you or blush when you're around? If not, then a date is best not pursued.
- Okay so we have established that you like her, she likes you, you're both either indispensable or don't care too much about your jobs. Time to ask her out. Remember her interests and pick out a good first date: dinner, a movie, a concert, a sporting event, etc. You want it to be just the two of you, but whatever you do, make it sound casual and ambiguous. Another idea is to ask her to coffee or dessert after an evening work function. Make sure you don't do this in front of any other coworkers. Your somewhat official sounding date must be kept secret from gossipers.
- If she says "no," give up. It's not worth it. Keep all of your future interactions business-related. If she says yes, congratulations! You've started a relationship that could harm one or both of your careers.
Tips- Make sure she's worth it.- Make sure your coworkers don't find out.- Don't stand too close to each other at work.- Don't talk to each other in a lovey-dovey way.- Don't make other coworkers feel uncomfortable around the two of you.- Otherwise, gossip will spread and dreaded talks with management will ensue.- Do not use the company email! If it is monitored or if you are caught, you will get fired. It can be used as evidence against you in a sexual harassment case as well.- It is standard for dating at work to be against company policy. You may get fired or asked to leave.- If you ask a girl out and she gets uncomfortable, you may be fired or sued for sexual harassment. Read your company's policy thoroughly.
posted by Marvstyles
9:56 PM
How to Attract an Older Girl
- Be mature. When she's passing you in the hallway, don't keep talking to your best friend about Pokemon, talk about something mature such as a team you might be in, a book you might have recently read, something you know someone her age would be interested in.
- Be conscious about your appearance. If you're playing with your GameBoy and smell like you haven't taken a shower in 2 days, you had better hope that she doesn't notice you. Make sure to wear cologne(but not too much), comb your hair and focus on making yourself as good-looking as possible. If you don't know what cologne to get, have a girl that's a friend help you. If you don't have one, the gay dude at Macy's can help you pick one out. No offense, but if straight guys bought their own cologne we'd all smell like bacon and diesel fuel.
- Try to look as tall as you possibly can. Sorry to short guys, but taller guys usually have an easier time with a girl's attention. Put your chest out(it shows confidence), and try to put yourself in a position where you look like the center of everything.
- Join an activity she is in and/or might be interested in. If she is in a debate team, joining the team and looking smart will get her to respect you.
- Don't be ashamed to ask her out. This is a sure way to prove you're more mature than you look.
Tips-Attracting an older girl requires the exact same skills as getting a girl your age; you just have to be better at them.
-Be aware she might like you but she might have a problem dating a younger guy because her classmates and friends might make fun of her.
-When you talk to her, don't try to sound smarter than you would normally be at your age, it will make you look like an idiot.
-There's ALWAYS a friend of hers that everybody can read like a book.Ask her friend questions that can help you.
-Confections can be hard. DON'T ASK HER IMMATURE QUESTIONS LIKE:"WILL YOU BE MY GIRLFRIEND?"(I GUESS YOU KNOW THAT,BUT I MUST REMIND YOU)You can talk to her friend that can help and you trust.
-Don't ever do anything immature in front of her, such as playing some video game (unless she's into video games), laughing with your buds about some dumb joke, or picking your nose. Don't, however, pretend to be someone you're not, or pretend to like things that you don't. They come back to bite you.
-If you do join a team she's interested in, you may want to acquire the skills to do well on that team. If you fumble at each question/debate/[insert possible obstacle here], you won't gain her respect at all.
-Don't tell her friend anything,because you're not the only one who can read her like a book.
posted by Marvstyles
12:12 AM