I applied for one about a month after I turned 18, and was approved and received the card about a month later. I'm guessing it was a good one, cause it keeps coming up on this site and other ones about the best credit cards. I already used my debit card for everything, so it didn't really change how I spent my money. Have always paid on time (so far), never carried a balance, and have gotten about $300 in rewards in the past few months. Not bad.
I think I was a junior in college. My credit limit was $500, I always paid off my balance in full (and still do) and my credit scores are all currently just under 800 and I have $0 of credit card debt. I don't think I had to have anyone cosign with me.
I think building credit is a good thing but many people only have a cursory knowledge of how credit cards work, what your credit score does for you and how much something bought with a credit card will cost you in the end if you don't pay for it upfront.
One word: Stratas! Just mix 4 eggs with 2 cups of half and half, milk, cream or whatever you have on hand, about half a loaf of stale bread cubed and pretty much any combination of cheese and vegetables that you would want to eat with eggs. Put it all in a sprayed baking dish and bake at 350 for about 45-50 minutes or until it is browned on top. Delish, easy, reheats well.
My wife makes a German recipe called Butterball soup. It uses breadcrumbs to make what looks like meatballs, which are then added to chicken soup. A Christmas favorite around our house.
I got my first card at 18 right before I headed off the college. My parents wanted me to start building credit and make it more convenient for me to purchase things at school. They went to the bank with me to apply for the card and had the statements sent to them so they can "help me manage my spending." Sure enough, I didn't get too carried away with buying things because I'd get a long lecture :P
my hair is dyed as well, but i tried it anyways.
it definitly lightened my hair. but not enough to notice it alot. just a smidge.
so far, this has been fun!
fyi. as you go, you can wash your hair less and less til your down to only one time per week or less....its FANTASTIC! (:
I got my first credit card at 16 when I got my license. I still had to pay for my own car expenses but my parents wanted me to have a back up in case I ever got into an emergency out on my own. But it was still under their name. I think I got my first self owned credit card when I was 19. I didn't really need it per say but my older brother was trying to buy a house at the time and was having trouble getting a loan because he basically didn't have any credit history. So my parents thought it would be a good idea to start my own card at that point.
That's a gold mine! I remember a Sears scratch and dent in Jersey where I used to live too. No worrying about finding the deals or waiting for the time of month to display - they're always offering deals at S&D!
Funny you mention it. When I was going to snag that fridge, there were a few out front and they were going left and right. I was on the phone with my wife debating over where the tape measure was to measure. She couldn't find it and I'm watching unit after unit go from outside the store. Finally she got one from a neighbor and I snagged the fridge we wanted at the last minute. Save yourself the stress - measure first!
Sure, used is always going to be cheaper. I don't think after putting in a new kitchen I'd be able to sell my wife on used appliances though. Personally, as a practical guy, it would probably work for me!
What is the world coming to when we have to re-introduce soppin' bread? There is nothing better than a piece of good bread dripping with gravy off your plate!
Excellent! If I may add...
If you know an appliance is on its last legs, measure it. That way you will be able to know if that clearance special will fit the space the old one is in.
This whole article is so true. At my first job I found a list of everyone's salaries, and all the women were paid less than the men in the same positions. I ended up going to my manager with the information and asked for an increase and got it, but then I also left the company right after that because I sort of stirred up a lot of angry feelings. With that information the company could probably have been sued for gender discrimination. I mean, even women with more experience were paid 20 to 30% less than the men. It's just more acceptable for men to ask for more, and they start off with more and that makes a huge difference over a lifetime. I have been telling every woman I know to ask for more pay in any situation, because all employers expect some negotiation, but the problem is most women don't ask at all.
I actually got my first credit card in high school. I swore it was only to be used for "emergencies" but then suddenly EVERYTHING became an emergency. Thankfully while I didn't have discipline in using it, I do have discipline in paying it off, never once being late to pay it, but I wish I'd have had a better financial education growing up.
hey we are all going to purchase some of our "wants" regardless...granted they need to be kept in check, but "spending smarter" can soften the blow of those expenditures as well. I wrote about this in my blog recently... its a new personal finance blog and im still getting used to it all, but I offer some informative thoughts on this topic
I totally respect that. If my guests were causing problems, I can understand. But for people to tell me that I have to shut down this business because they don't like it - I don't get down with that. I don't like people stinkin' up the hallway with fish smells. And I don't like the hearing the baby scream its head off all day. But I wouldn't dare impede on somebody else's life and tell them what to do because I don't like the way they live. Furthermore, if I wanted complete privacy and nobody to bother me with whatever it is they're doing, I'd move to the suburbs and buy a house. I choose to live here and I accept all that comes with communal living.
Another soothing use for witch hazel is for care of the swollen area after childbirth. Tremendous relief not only with swelling reduction properties but with the cooling first application.
@Mikey -- I can see both sides of the story when it's a condo or apartment building. On the one hand, I agree that it's none of people's business, but on the other hand I'm not sure I'd feel comfortable living somewhere where strangers are constantly coming and going. (Many of the rentals I've seen nearby are on a night-by-night basis.) I chose a secure building for a reason, but I doubt I'd complain though until there were noise or vandalism concerns.
It is, but as a neighbor I wouldn't infringe on people who smoke it. I can often smell it in the hallway, and I've asked people to politely put a towel in front of the door, but I would never call the cops on them. It's none of my business what they do behind closed doors so long as it doesn't impact me negatively.
We do utilize our downstairs space quite a bit, though, and I think the spare bathroom would be a good advertising point. I'm always up at 6:30. It would really be a matter of better organizing our lives, which is pretty much on the menu now, anyway.
I applied for one about a month after I turned 18, and was approved and received the card about a month later. I'm guessing it was a good one, cause it keeps coming up on this site and other ones about the best credit cards. I already used my debit card for everything, so it didn't really change how I spent my money. Have always paid on time (so far), never carried a balance, and have gotten about $300 in rewards in the past few months. Not bad.
I think I was a junior in college. My credit limit was $500, I always paid off my balance in full (and still do) and my credit scores are all currently just under 800 and I have $0 of credit card debt. I don't think I had to have anyone cosign with me.
I think building credit is a good thing but many people only have a cursory knowledge of how credit cards work, what your credit score does for you and how much something bought with a credit card will cost you in the end if you don't pay for it upfront.
One word: Stratas! Just mix 4 eggs with 2 cups of half and half, milk, cream or whatever you have on hand, about half a loaf of stale bread cubed and pretty much any combination of cheese and vegetables that you would want to eat with eggs. Put it all in a sprayed baking dish and bake at 350 for about 45-50 minutes or until it is browned on top. Delish, easy, reheats well.
My wife makes a German recipe called Butterball soup. It uses breadcrumbs to make what looks like meatballs, which are then added to chicken soup. A Christmas favorite around our house.
I got my first card at 18 right before I headed off the college. My parents wanted me to start building credit and make it more convenient for me to purchase things at school. They went to the bank with me to apply for the card and had the statements sent to them so they can "help me manage my spending." Sure enough, I didn't get too carried away with buying things because I'd get a long lecture :P
my hair is dyed as well, but i tried it anyways.
it definitly lightened my hair. but not enough to notice it alot. just a smidge.
so far, this has been fun!
fyi. as you go, you can wash your hair less and less til your down to only one time per week or less....its FANTASTIC! (:
I have had Netspend for years, and been very happy with them. You can check your balance online for free, without paying a fee.
I got my first credit card at 16 when I got my license. I still had to pay for my own car expenses but my parents wanted me to have a back up in case I ever got into an emergency out on my own. But it was still under their name. I think I got my first self owned credit card when I was 19. I didn't really need it per say but my older brother was trying to buy a house at the time and was having trouble getting a loan because he basically didn't have any credit history. So my parents thought it would be a good idea to start my own card at that point.
That's a gold mine! I remember a Sears scratch and dent in Jersey where I used to live too. No worrying about finding the deals or waiting for the time of month to display - they're always offering deals at S&D!
Funny you mention it. When I was going to snag that fridge, there were a few out front and they were going left and right. I was on the phone with my wife debating over where the tape measure was to measure. She couldn't find it and I'm watching unit after unit go from outside the store. Finally she got one from a neighbor and I snagged the fridge we wanted at the last minute. Save yourself the stress - measure first!
Sure, used is always going to be cheaper. I don't think after putting in a new kitchen I'd be able to sell my wife on used appliances though. Personally, as a practical guy, it would probably work for me!
What is the world coming to when we have to re-introduce soppin' bread? There is nothing better than a piece of good bread dripping with gravy off your plate!
Excellent! If I may add...
If you know an appliance is on its last legs, measure it. That way you will be able to know if that clearance special will fit the space the old one is in.
This whole article is so true. At my first job I found a list of everyone's salaries, and all the women were paid less than the men in the same positions. I ended up going to my manager with the information and asked for an increase and got it, but then I also left the company right after that because I sort of stirred up a lot of angry feelings. With that information the company could probably have been sued for gender discrimination. I mean, even women with more experience were paid 20 to 30% less than the men. It's just more acceptable for men to ask for more, and they start off with more and that makes a huge difference over a lifetime. I have been telling every woman I know to ask for more pay in any situation, because all employers expect some negotiation, but the problem is most women don't ask at all.
I actually got my first credit card in high school. I swore it was only to be used for "emergencies" but then suddenly EVERYTHING became an emergency. Thankfully while I didn't have discipline in using it, I do have discipline in paying it off, never once being late to pay it, but I wish I'd have had a better financial education growing up.
hey we are all going to purchase some of our "wants" regardless...granted they need to be kept in check, but "spending smarter" can soften the blow of those expenditures as well. I wrote about this in my blog recently... its a new personal finance blog and im still getting used to it all, but I offer some informative thoughts on this topic
www.moneyistheroot.com
I totally respect that. If my guests were causing problems, I can understand. But for people to tell me that I have to shut down this business because they don't like it - I don't get down with that. I don't like people stinkin' up the hallway with fish smells. And I don't like the hearing the baby scream its head off all day. But I wouldn't dare impede on somebody else's life and tell them what to do because I don't like the way they live. Furthermore, if I wanted complete privacy and nobody to bother me with whatever it is they're doing, I'd move to the suburbs and buy a house. I choose to live here and I accept all that comes with communal living.
I got my first one when I was 19. But I was very responsible. I made purchases I could afford, and paid them off when the statement came.
This article is featured in the March 3rd edition of the Health Wonk Review. Thanks for your submission!
http://lucidicus.org/editorials.php?nav=20110303a
Sunday too, lol.
Another soothing use for witch hazel is for care of the swollen area after childbirth. Tremendous relief not only with swelling reduction properties but with the cooling first application.
@Mikey -- I can see both sides of the story when it's a condo or apartment building. On the one hand, I agree that it's none of people's business, but on the other hand I'm not sure I'd feel comfortable living somewhere where strangers are constantly coming and going. (Many of the rentals I've seen nearby are on a night-by-night basis.) I chose a secure building for a reason, but I doubt I'd complain though until there were noise or vandalism concerns.
It is, but as a neighbor I wouldn't infringe on people who smoke it. I can often smell it in the hallway, and I've asked people to politely put a towel in front of the door, but I would never call the cops on them. It's none of my business what they do behind closed doors so long as it doesn't impact me negatively.
I use a toaster oven and I put it in directly from the freezer. I'll try letting it thaw out first. See how that goes. Thanks!
We do utilize our downstairs space quite a bit, though, and I think the spare bathroom would be a good advertising point. I'm always up at 6:30. It would really be a matter of better organizing our lives, which is pretty much on the menu now, anyway.