1. Can't believe no one called out OP for having the username "eliteretard" and posting this thread.
2. This is reading like a mild version of /r/nosleep.
^ this. And recruiters are looking at tons of resumes, if they have to even think "can I even dial this number?" there is a chance they will pass.
Also, I would just put the parents U.S address and leave it at that, if you're taking up space doing the international thing they may get confused.
It probably stems from this:
http://online.wsj.com/news/articles/SB10001424052702304027204579335051969265162?mg=reno64-wsj&url=http%3A%2F%2Fonline.wsj.com%2Farticle%2FSB10001424052702304027204579335051969265162.html
I'm supposed to work ~40 hours a week. Sometimes it's 35 and others it could be north of 60. It's not mandatory but if I'm working on an interesting project I tend to work on it nights/weekends sometimes.
The way my company does it is that we get "extra" stock rather than a discount. So if I purchase $100 of stock, I will get $115. As a result, there are no inherent capital gains from it.
IIRC I got ~$1.5k from this, but didn't actually have to pay any taxes since the capital gains/losses were...
That seems pretty low.... I can get 37-40 on my f30 328i if I do 65-75.
The winter air + winter tires + winter gas destroys that notion though. I'm currently averaging around 33-34.
So, you have second hand knowledge from an agent... I actually work as an analyst doing credit policy. Some lenders that are less profitable may use less info but we don't. They also aren't as profitable.
I've already said multiple times that this data is available to issuers as well. Just because whatever you do doesn't use it doesn't mean it's not available.
Thank you for posting this. As I said, the credit bureaus have this info and have recently started reporting it out (going back two years). The transactor vs revolver distinction is an important risk splitter.
I'm actually in a somewhat similar situation except with an F30. Interested to see where this goes.
My forum searching has lead me to believe they don't negotiate residuals anymore, but that could be wrong.
What YOU see on your credit report is not exactly the same as what an issuer sees. The thread is about getting a house, which is not just dependent on your FICO score. I don't look at individual credit reports, I look at the data supplied by the bureaus. Looking at an individual report will do...
Go to all of the major credit issuers (Discover, Amex, Capone, Chase, etc.) and put in your info to see if there are any pre-quals. That would be an easy way to get a fairly good chance at getting a card. Citi is also fairly liberal with handing out student cards IIRC
Not sure what you are cryptically trying to say without saying.
Non-managing analysts are anywhere from 50-120ish (maybe higher?)
Managing analysts are 100+
Coming out of college you could make 100 in 2 years working 40-50 hour weeks and make managing analyst in 2-3 years (uncommon).
Person A gets credit card with issuer xyz
Transunion collects data about xyz including payment history (pif, partial, etc.)
issuer abc buys data from TU
issuer abc uses some of the hundreds of variables supplied by TU to create credit policy
Person A applies at issuer abc
issuer abc...
Only on AT do people claim to "Do this for a living" and think they know what they are talking about.
As an analyst:
1. I don't look at single accounts
2. I don't look at actual credit reports
3. I do look at millions of accounts
4. I do look at the hundreds of variables that are used...
Sure - It's not factored into your FICO score, but that doesn't really matter. Being classified as a transactor(Paying in full) is far better than a revolver(partial payments) and underwriters have access to the data and can(see: should) use it. PIF is a fantastic risk splitter.
In fact...
Is your second sentence missing some words? The reason why someone with $0 balance is better than someone with a $10 balance is because they are fundamentally different and likely will have better credit performance. In reality- having a "small balance" could marginally affect your actual...
I don't know anything at all about the medical field, but is the chance of passing each phase 50/50? I don't know how that would even be possible without literally flipping a coin or something...
Grats it worked out for you then. I have $0 in college debt as well due to scholarships, but I know plenty of people that getting loans and such were issues for them.
I'm going to guess that you've never been in the situation where you had no money to pay for college...
Also, I'm not agreeing that students should have a right to a second chance.
So those with affluent backgrounds who have parents to pay for classes would be given additional chances while those that are unable to afford it will be shit out of luck? This is a terrible idea.
I was going to give you a 2/10. Then I saw you even had to edit it... so 1/10.
You probably shouldn't attempt parody threads anytime in the near future again.
Wouldn't that need to be in the select field? Right now you're using it as a condition... unless what you want to do and what you said you want to do are different.
and case when would probably work better given the decimal constraint.
1. 2 Banks != "Banks"
2. Replace the "you're" with "I" and your statement would be correct.
I would never even see the third page of my statement if it was in paper form, even if it was in bold letters. If it was an online statement I would at least scroll through it and skim. This is assuming...
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