oof

He probably didn't know I guess

Or he wanted me to feel rich idk

second

Is a credit card/debit card from master or visa worth it?

I could get a card starting at 14.50 a year or one with a minimum spending requirment of 500 euro a year

(playing fortgay, afk)

I have a debit mastercard it's the best thing ever to happen to me

You won't build credit like with a credit card but you cannot run into debt since you ca only spend what you have

When I had a credit card I was racking thousands up but now I am stable in how I spend

send mony pleas

I just use my credit card like a debit card as its automatically linked to my bank account.

Dunno if it makes my credit better or worse to pay on time all the time but meh.

It does improve your score. Not as good as paying it well before the payment date is due but it still helps.

when the bill comes for me I usually pay it *immediately*

Why not just use debit? It was the default type provided for me by my bank

Given the choice I'd say that in every case debit > credit as at least in my opinion it's much more safer

The only time you ever need to worry about your credit is when you wanna buy a house or get a loan

Because for things like cars and houses you need to prove you have a history of paying for things on time.

If you got a decent enough job with a 20% deposit you won't need a really high credit to get the mortage either.

If it's 5% then you def will

Wasn't for things like cars and houses more important that you're not in debt and that you have stable income?

Of course nothing is stopping you from taking that car and house to texas and telling those fucking kikes to take a hike.

*morgages*

can I just buy things outright?

Why can't I use gold bars

You can if you're really good with money I guess

good ol gold and silver bars

also coins if you're into them

Gold and silver are poor investments if you plan on cashing them in, they are more savings hedges

I watch these american renovation shows and some houses in texas you can buy for like $40,000

It's so cool

nah I wouldnt do that

cashing out gold/silver I mean

thought I was considering going FX

I like the FX markets

Where I live houses went from 400k to 1.3 mil

Usually those are in really out of the way areas and have problems that need certified labor to fix so you really don't save much

unless you are certified labor. In which case its a labor intensive but profitable way to make money if you are good.

most expensive places: hong kong, hong kouver and sydney

Sydney is fucked