Archived threads in /adv/ - Advice - 1592. page
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Based on what my credit history is like, will it be possible to get a decent interest rate if I apply for an auto loan as soon as my credit card is paid off this summer?
>got first credit card in Summer 2014
>$300 credit limit
>always paid off balance on time every month
>credit score starts at 720
>receive credit limit increase at the beginning of 2015
>limit is now $2,300
>start to get carried away with spending
>balance becomes higher than monthly income
>credit score begins to fall
>still paying on time with minimum payments or higher
>become close to maxing out card
>credit score falls to 650
>decide to stop using card
>find a second job during the summer
>start making larger, more frequent payments towards balance
>credit score begins to rise
>balance now at $1,300 in 2016
>credit score now 680 and is going to get higher
>get another credit increase
>credit limit now $5,300
>credit score is bound to skyrocket up, now
>>16794352
I got a car with a 720ish credit score. They didn't let me get a car loan without a cosigner, though, who ended up being my mom. I usually pay $17 in interest out of the total monthly car payment of $192. If you never had a big loan before and only used your Credit Card to buy small things, they will most likely not give you a loan unless you have a cosigner. I even had a 42% downpayment in cash for my car and they still didn't let me get a car loan on my own.
At the time of purchase I was 18 years old with a credit card account that was 6 months old with all expenses paid off. If it makes a difference, I live in California. Good luck, OP.
I'm addicted to surfing 4chan every day. How to stop this addiction?
Block 4chan
Shut your internet down
Keep yourself busy with any other things (read a book, learn something new, start to do physical exercises)
there's a lot of ways to stop it or (in weird cases) keep it to something moderated
>>16794343
I bet even if you're able to cut 4chan out from your life you'll just find some other dumb thing to fill your time to a certain level of addiction. You have to move yourself into a different surrounding and atmosphere and gear yourself up towards the thing you really want to focus on.
>>16794393
I don't know how to keep myself busy. I run out of books that I want to read and I am not interested in learning anything new.
My girlfriend keeps getting harassed by a group of people at the junior college she goes to. They call her awful names like house nigger and uncle Tom simply because she doesn't want to get involved with identity politics, sjws and feminism. She's very meek, very shy and honestly a bit fragile, and is considering transferring. I don't know why they're harassing her specifically since I doubt she's the only woman who doesn't want to get involved.
What can we do to get these lunatics to fuck off.
>>16794341
She obviously said something that pissed them off, otherwise they would not focus on her.
If she's not willing to apologize and she can't just brush off their hate, then she needs to involve a counselor or switch schools.
>>16794341
You probably can't get them to stop,because one of the sad ironies of life is those who fight the fiercest against prejudice and intolerance are too frequently most guilty of prejudice and intolerance toward those they decide aren't sufficiently supportive of their cause.
You could try to point this out to them, but it is a rational argument and they are clearly not operating in rational mode.
You'll get further in strengthening you girlfriend. Do all you can to boost her self-esteem. Show her how to ignore and dismiss the bullies. Help her find a circle of friends who support her so that she can thumb her nose at the bullies.
They say that living well is the best revenge. The more she can ignore them, the weaker they become.
>>16794344
That's the thing, all she did was tell the she didn't want to going their club. When they pressed her she just said she didn't feel opressed. They have even referred to her as a race traitor because she's dating me and I am white.
A girl i like only has 1 form of social media, and it is snapchat
So i begrudgingly installed it, the ui is a mess and finally added her.
I go to message her and find out you need to take photos too.
What am i meant to take photos of?
>>16794316
Your dick
Also if she only has snapchat its a huge sign that shes a slut
>>16794318
nah she isn't like that, she is really shy and introverted, so im not just gonna do that.
>>16794319
>shy and introverted
>uses only snapchat
Something isn't matching up here, OP
Need help writing a assembly, main quote is "if you think before you speak you'll never have to apologize."
>>16794275
Do your own homework.
The "real" femanons
Fuck it anybody can rate me
You're cute.
>>16794266
Pros -
Nice eyes
Jawline
Facial Features
Cons -
Fat face
You look fat
You look short
Manlets, when will they learn/10
If you came here for the first time,
what would your first impressions of earth be
(help for school project)
>>16794261
Sorry I'm a adult I need more stucture for my imagination to work.
Where do I come down?
What is the surroundings like?
Time of day?
Weather?
>>16794261
What a bullshit assignment.
You impressions would differ depending on (1) who you are and how your home planet operates and (2) which part of the earth you visited.
>>16794261
Do your own homework.
How does a week in the hole work? It's been so long since I've had a job that I forgot how getting paid was supposed to go.
My first day was on Feb. 5th. Do I get paid next week? It's an hourly slave wage job that hands out checks bi-weekly.
>>16794251
Did you just call me gay m8
I will rek u
>>16794251
Ask your manager when you get paid and how pay periods are calculated. If you're not a dope, you'll keep track of your own hours instead of relying entirely on your employer to do it.
>>16794328
>If you're not a dope, you'll keep track of your own hours instead of relying entirely on your employer to do it.
What does this have to do with anything?
>im 20 years old
>psicology student
>1 year relationship
>almost 9 months having sex, always using protection
>her period is irregular and this situation happenden before but for some reason this time feels diferent
>i bought a pregnat test today but shes afraid of using it.
i need some advice in case shes really pregnant
A B O R T I O N
B
O
R
T
I
O
N
>>16794269
i think about it and its a valid option, but with alot of troubles, i live in mexico, that shit is dangerous and i love my gf,
the risk is worth it?
It's 9:00pm and I have an exam at 1:00pm tomorrow, I barely know the subject and haven't studied for weeks, any tips to help me scrape a pass?
>I got to this point by procastination, prioritising other exams and by misinterpreting the date for this exam
>tfw I'm feeling tired
>>16794222
Read your lecture notes; it's too late to learn anything complex so if you know the broad stuff you might be able to get all the 1 or 2 marks questions.
>>16794222
You probably know half the stuff off buy heart already.
Just read through your notes, get a decent night sleep and then spend the morning refreshing yourself on the harder parts.
>>16794225
>>16794224
I don't recall much and it's advertising so it's all about remembering definitions of meaningless concepts. The dumb thing is the exam is based on course work so hypothetically I need to try and memorise definitions, the core points of a journal article and other stuff we were asked as questions.
What do
>Getting close to this 30 year old woman from Kazakhstan
>I tihnk she's beautiful but I also find her agreeable
>I'm 21
>We keep hanging out
>Awkward flirting, but mostly just seems friendly
>Anytime I try to be a bit more forward with flirting it doesn't seem right
>She's always bringing up the fact that she's 10 years older than me and how its like she could be my aunty or something
I really want to fug her, should i let it go or do what?
(I don't have many other options)
Next time age comes up, tell you you don't care about the age gap and go for it.
We can't decide for you.
>>16794220
the thing is i tihnk the age gap means she's not even considering me
Hey adv,
There's a really pretty girl who works in the same building as me (for another company). We usually just smile at each other when we pass by. I managed to find out her name from her company website, we don't see each other much.
I wanted to send her a Valentine's Day rose but don't know if i should address her by name on the card. But I also don't want any other girl to think it was meant for them.
How should I go about doing this? The rose will be left in front of the company door (there's like 5 people in total). Should I make it out to the first letter of her name? To the girl with brown hair?
Thanks anons
Step up and hand-deliver it. Lay it on the line.
You live once. Make it count.
>>16794182
Aside from this option - Any other ways?
>>16794179
Don't do it. That's creepy
Just found out my uncle repeatedly punched my aunt in the face and broke her nose. Then proceeded to strangle her, in till my cousin walked in.
Do I have a right to be mad? I want to beat him for what he did.
>>16794170
>Do I have a right to be mad?
No, he's the man in the relationship and was expressing his dominance, so that she knows if she steps out of line he could physically kill her.
In not b8, yes you should be mad. Assault is illegal. Call the police, keep yourself out of trouble, and let him get fucked up in prison.
>>16794170
Do all you can to get your aunt to report him to the cops.
Nigga kill your aunt, she's a fucking girl. Never trust women, they're the scum of the earth.
How to legally get out of being a father?
No paternity test taken yet, one in three chance
Man up bruh, you knew what you were doing
>>16794143
For the supposed period. I didn't even finish, still a small chance though
>>16794140
1 in 3 chance? Got yourself a real winner bro.
You can't get out of it. Raise the kid to be smarter than you if it is yours.
I think my best friend might be closet trans. He always ALWAYS plays a girl online, on Halloween his costumes are always crossdressing, but not like, joke kind, like full on attempting to pass cross dressing. He plays female characters in absolutely everything he plays.
Is there a possibility hes trans? is he afraid to come out?
Some men are just fabulous like that.
>>16794130
I play female characters so I can look at girl ass why is it so hard for people to understand that
Maybe consult /lgbt/
