Message from @Krieger The Viking Plague Doctor
Discord ID: 445196849926897664
(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
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
Rent in the outer rim of the suburbs was 550-600 a week for a shitty tiny house
I bet its alot cheaper to be in tokyo now or even a tier 1 us city
It would actually be
its pretty ridiculous
All the fucking chinks buying in sydney rose the prices up
sum - Today at 13:10
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
not necessarily true, since credit card gives you
- consumer credit protection laws that allow you to chargeback more easily
- since it's technically the lender's money that is at risk, they'd be more incentivised to pursue your case and recover the money if shit goes down
- builds up your credit score