Shit that pisses you off, part II

[Allie]

Aug 21, 2012 9:37:35 GMT -5 zogbog said:

What?
Why are we shitting over Russle Brand D:<
He's funny and smart, we will not say anything mean about him any more.

And he's attractive.

And heat, heat pisses me off. The sun has gone down, fuck off somewhere else heat.

LEEV ROSSAL BRIND A LOAN!

[Deleted]

Birthdays. When you're young, it's a great time because (possibly) you get presents that you couldn't afford otherwise, and (possibly) money from relatives. Then you get excited for your 16th birthday (possibly) because you're looking forward to being able to drive and shit. Your 18th means you can vote and/or smoke. And when you turn 21, you can drink without having to hit up older friends or use a fake ID. After that it's just another year above ground. It's another reminder that a year has gone by and you haven't accomplished a god damn thing with your life. It's another reminder that you're going to die, and pretty fucking soon. It's just a celebration of failure and death as far as I'm concerned.

What's even worse is that nowadays I'm on Facebook and I get these reminders that it's my birthday from people, and I know that they mean well, but it just makes me feel even worse. And worse yet, some of my coworkers know it's my birthday and they tell other people, and when they wish me happy birthday it's just rubbing salt in my wounds; it's even "better" when they know what birthday of mine it is and tell other people how fucking old I am.

And people wonder why I pretend to be an infant turtle from Korea on IRC.

[megatronbison]

I'm hearing ya dude- hit the big 3-0 recently and you know what I done 6 days later? Left Facebook. I decided the only thing more depressing than my lack of achievement was reading about how blissful everyone is with mediocrity!

[Deleted]

Aug 22, 2012 14:47:10 GMT -5 @megatronbison said:

I'm hearing ya dude- hit the big 3-0 recently and you know what I done 6 days later? Left Facebook. I decided the only thing more depressing than my lack of achievement was reading about how blissful everyone is with mediocrity!

Make the best of this year. Because I made a lot of promises that year and jack and shit happened, and I regret it.

[Allie]

Aug 22, 2012 14:39:02 GMT -5 Joseph Joestar said:

Birthdays. When you're young, it's a great time because (possibly) you get presents that you couldn't afford otherwise, and (possibly) money from relatives. Then you get excited for your 16th birthday (possibly) because you're looking forward to being able to drive and shit. Your 18th means you can vote and/or smoke. And when you turn 21, you can drink without having to hit up older friends or use a fake ID. After that it's just another year above ground. It's another reminder that a year has gone by and you haven't accomplished a god damn thing with your life. It's another reminder that you're going to die, and pretty fucking soon. It's just a celebration of failure and death as far as I'm concerned.

What's even worse is that nowadays I'm on Facebook and I get these reminders that it's my birthday from people, and I know that they mean well, but it just makes me feel even worse. And worse yet, some of my coworkers know it's my birthday and they tell other people, and when they wish me happy birthday it's just rubbing salt in my wounds; it's even "better" when they know what birthday of mine it is and tell other people how fucking old I am.

And people wonder why I pretend to be an infant turtle from Korea on IRC.

A-yep. It gets to me even more, though, because it seems like everyone else I know (and everyone else they know) has a useful talent to accomplish things with and show off, and I'm the same old useless failure I've always been.

I don't hate myself the way I used to (and hey, at least that's progress), but I still get frustrated with my complete inability to develop any sort of creative skill (all the damn time).

[Scylla]

I'm turning 30 in just a few days. It's a little weird, but overall I'm pretty cool with it. I definitely expected to be farther along in life at this point, but in this shithole economy, that's the story of basically everyone around my age. I sure as hell don't want to be a teenager again. I was a dumbass, despite that I was more mature and intelligent than most my age. With age definitely comes wisdom, and in 10 years, I'll probably look back on my 30-year-old self as a moron, haha.

I just try to look at and appreciate what I have accomplished and gained. Most important of all, I've been in a wonderful committed relationship for over 10 years, and I'm fully confident that I'll be with this guy for my whole life. Other than that, I've gotten a bachelor's degree, I have no debt whatsoever and probably have more in savings than the average 20-something, I've developed some skills and talents that I'm fairly proud of and have works to show for it, I have an overall very good relationship with my family and my fiance's family, and so on.

These are the things I have to keep reminding myself of to not get depressed over the fact that I've been trying to land a decent full-time job for a year and a half. :/

[Deleted]

Being debt-free is definitely something to be proud of. Good job on that part.

[Scylla]

Thanks. :) On the flip side, my credit history is almost nonexistent, so that kind of sucks. It's been less than a year since I got my first credit card, but I've been trying to remember to buy something with it each month and then always paying it off in full before any interest is applied. It's so annoying to have to play this game just to build a credit score. Personally, I'd be perfectly content to not have a credit card at all. A debit card gets me by just fine.

And, man, the hoops I had to jump through to get it. I guess with the bad economy, credit card companies are being more cautious and aren't throwing a credit card at anyone who wants one anymore. Basically, I couldn't get credit because I had no credit. :/ It reminds me of many years ago when I couldn't get an ID because I didn't have any ID. The stupid catch-22's of life. I finally managed to get a card, but it has a crappy interest rate (not that it really matters to me), a very low maximum, and a yearly fee. Bleh.

[megatronbison]

Agh - don't start me on the whole credit card/credit rating thing :\
I pretty much have no debt at the moment...but I've been living at home again for the past 7 years ¬_¬ I used to have a credit card but I ended up getting a charge on a payment the COMPANY put through late - not me! This charge then put me over the limit and well, basically out of stubborness I refused to pay the charges and ended up with a default against my name- hurrah! Now I literally can't get any credit despite holding down a stable job for the past good few years and never missing a bill payment or going overdrawn. No credit rating of course means I can't even get a crappy card to build one up. It also means I am doomed to rent forever if I move out again:
I really need to see about moving out again too (hi- I'm 30, living at home and still in a band part time- doesn't exactly scream "adult" does it? :\) but there are obstacles:
*I couldn't afford to rent alone until I can confirm my promotion is permanent - but even if I it turns out to be I don't know how much fun living alone will be
*I would definitely only ever share with a good friend or partner as the thought of a relative stranger drinking the last of the milk when I needed tea on a Monday morning prior to work will almost certainly result in attempted murder.
*All my friends are either already living with a partner or broke (yay economy!) and my partner is currently penniless and living in England- d'oh!

So pretty much credit ratings, the shitty economy and living at home are pissing me off at the moment. I guess I should be happy about having a decent job, my band and my health but as I am sure you guys are realising I have a magic way with my brain to under-appreciate the truly important and good things in my life.

[Ike]

Aug 22, 2012 19:51:14 GMT -5 Scylla said:

Thanks. :) On the flip side, my credit history is almost nonexistent, so that kind of sucks. It's been less than a year since I got my first credit card, but I've been trying to remember to buy something with it each month and then always paying it off in full before any interest is applied. It's so annoying to have to play this game just to build a credit score. Personally, I'd be perfectly content to not have a credit card at all. A debit card gets me by just fine.

And, man, the hoops I had to jump through to get it. I guess with the bad economy, credit card companies are being more cautious and aren't throwing a credit card at anyone who wants one anymore. Basically, I couldn't get credit because I had no credit. :/ It reminds me of many years ago when I couldn't get an ID because I didn't have any ID. The stupid catch-22's of life. I finally managed to get a card, but it has a crappy interest rate (not that it really matters to me), a very low maximum, and a yearly fee. Bleh.

There are easier ways to get low-impact credit that will allow you to get access to better credit in the future. Basically every gas station has its own branded card specifically for purchasing gas. I know Shell stations offer a Visa, for example. They give those to basically anyone over 25 even without a credit history and they have a pretty low limit.

I myself just got a secured card with a $300 limit a few weeks ago. I had to put down a deposit of $300 that won't get freed up for 6 months to a year depending on how consistently I can pay, but I was able to get a card with no cosigner and 0 credit history. Join a credit union (NOT a bank) and open a savings account there.

You could also apply for a small loan and pay it off quickly. You should be able to build a decent credit history in about 6 months, assuming you can make consistent payments.

Also, if you get him in your area, Clark Howard has a radio show that's actually really informative about credit and basically constantly spews advice about how to effectively manage your money. He's pretty easy listening and is extremely inoffensive and doesn't talk down to anybody, and they even have a free money advice call-in line that answers questions.

[Allie]

Aug 23, 2012 5:12:36 GMT -5 Ike said:

Also, if you get him in your area, Clark Howard has a radio show that's actually really informative about credit and basically constantly spews advice about how to effectively manage your money. He's pretty easy listening and is extremely inoffensive and doesn't talk down to anybody, and they even have a free money advice call-in line that answers questions.

Whenever I think of financial advice shows, I'm reminded of flipping channels and going past Suze Orman screaming at a woman to divorce her husband (who'd just lost his job) before he could ruin her credit rating.

[Deleted]

Basically, everything that Ike said. Thats pretty much what my brother did to start his credit history and now hes got a good score. Another important way to establish credit is paying bills and rent and doing it on time. I forget how long it takes but that is a really good way...what sucks is I had my friend pay stuff when I was rooming with him in college, and I wasn't on the lease. Big mistake...

[Scylla]

Yeah, when I was struggling to get a credit card at the bank, the people there were suggesting that I get a card at a department store or something. Doesn't really work for my lifestyle, though. I very rarely shop at stores like those, I live in NYC so I don't drive and need gas, etc. etc. I was considering a secured card, but since I ultimately was able to get a normal credit card, I didn't have to go that route. Should all be fine now. It's just a matter of slowly building up to good score. Hopefully, now that I've got some established credit and a good, albeit short, history, I'll be able to switch to a better card in the near future and avoid that yearly fee nonsense.

[muteKi]

Never buy GBA games off Amazon, because nearly all of the retailers seem to be selling ripoff pirate carts, and there aren't any photos to demonstrate this until the product is already shipped. At least with eBay you can actually see pictures (protip: don't buy carts with stock photos).

[Super Orbus]

Aug 24, 2012 17:13:23 GMT -5 muteKi said:

Never buy GBA games off Amazon, because nearly all of the retailers seem to be selling ripoff pirate carts, and there aren't any photos to demonstrate this until the product is already shipped. At least with eBay you can actually see pictures (protip: don't buy carts with stock photos).

Or the super cheap ones coming out of Hong Kong. Someplace established like Play-Asia is okay, but most of the guys on ebay seem pretty shady.