This is where I'll be saving any threads/posts that I deem of importance. Most of them will be my own posts.
Differnt threads will be indicated by every other as bolded.
G. Oogleit 09/01/01(Thu)23:17 No. 11665
I'm turning 18 in a few months. I'm planning on getting a credit card. What should I know (Whats a good credit card for example)? I'm pretty good at not spending money I don't have and am looking to get this mainly for online purchases.
Pic unrelated, it's a cute korean girl i know :3
Expand all images>> G. Oogleit 09/01/01(Thu)23:42 No. 11667
If it's not going to be on things you don't actually need to spend credit on, get a debit card.
>> G. Oogleit 09/01/01(Thu)23:52 No. 11668
I recommend this site www.creditboards.com
These are people very experienced at gaming the credit system, and I don't mean that in an illegal way.
>> G. Oogleit 09/01/02(Fri)00:17 No. 11671
Get a debit card. You put money that you have into an account, and it basically acts like a plastic wallet for that account.
also: I'm pretty sure that "girl" is actually a man.
>> G. Oogleit 09/01/02(Fri)01:16 No. 11674
Have you a jorb?
>> Actual!53/HOH93OE 09/01/02(Fri)01:31 No. 11675
>>11667>>11671>>11667>>11671>>11667>>11671
Though if you need to make a large purchase, it might be good to get an actual credit card (Visa, preferably) as they will fight your corner in the event of some faulty goods, etc. This is because they are equally liable as the supplier, legally!
Make sure it's a card which allows you to pay the balance in full within x days and incur no interest charges as a result, though.
>> G. Oogleit 09/01/02(Fri)12:13 No. 11683
Get a debit card, and make sure they forbid you to overdraw you're account. If you think you're good with money, you're not. Especially if you think getting a credit card first is a good idea.
If you get a credit card, you're not going to make payments, and that will ruin your credit, and you won't be able to get a credit card when you actually have the monetary feasibility and adult mindset to get one.
>> <3>> G. Oogleit 09/01/02(Fri)23:16 No. 11711
>>11692
>"You're not nearly protected with a debit card as you are with a credit card. You can bitch to the credit card company and get things taken care of really easily and there is more consumer protection."
You must work for a credit card company because that statement has 110% the recommended daily allowance of bullshit.
Get a debit card and make sure you've always got enough in the account to cover expenses. You don't need a credit card unless you want to make a big payment that you can't afford at the time of the purchase and if if that's the case you probably should think twice about that purchase anyway.
>> G. Oogleit 09/01/03(Sat)14:04 No. 11728
>>11711
No, I don't. There are better consumer protection laws and more avenues for recourse in case of bad events when using a credit card as compared to a debit card. I'll agree that credit card companies are essentially conniving bastards, but if you're not a fucking moron, you can get a basic card that works for you in your benefit. I don't know what money issues you experienced to make you so vehemently against them, but they are honestly better protection for internet purchases due to many recently passed laws, including several Federal Acts, attention from Congress, etc. Read the laws and fine print... I've read several articles in the media about this subject (do you follow the business news?). They even protect for the oddest things (I can't remember some of the shit mine covers... rent-a-car something and other travel protection). Even some recent actions in the government have addressed bad credit card company policies towards consumers, which was avoidable before, and even more so now.
Credit card companies use customers as their bread and butter and face liability issues, etc. when their customers use their services. Home equity loans are the bread and butter of banks, not checking accounts and attached debit cards, etc. So, not only with law on consumer's side, credit card companies also have a vested interest in protecting consumers because of their own interest and liabilities. If you pay off your credit card every month, then you do not have to incur interest charges and if you do not have an annual fee, then it is extremely similar to a debit card, but with more protection and recourse. It also helps you in the sense that it allows you to build a positive credit rating. If you are a smart individual who pays their debt in a timely manner, then you are helping yourself with future equity loans, car loans, etc. I've had a single credit card for many years; fixed rate, no annual fee, and a reasonable interest rate and grace period before interest is charged (if I pay it off every month, I never incur any interest or charges). In case of someone obtaining my card, a credit card will deny charges once you reach the limit. A debit card generally has a bank's "Overdrawn Protection," which means you can keep charging as much as you want while getting charged a ridiculous (usually daily) interest rate, overdrawn fee, much more than a credit card would, etc. and it doesn't always stop there. If you receive a faulty product, if you do not have recourse with the manufacturer, you might with the credit card company. Forgiveness of faulty charges are generally much easier with a credit card, because the credit card company has recourse with the business that originally made the charges, while the bank's instant transaction will be harder to overturn or they will be unable to, etc. etc. etc. There's shit on both sides of the fence, but honestly, there is no reason to talk someone out of having a single credit card if they are a smart individual who is prepared, understands the basics, and can handle it. You can essentially treat it like debit card with more protection. If someone can handle a simple calculation of "Incoming cheese and Held cheese minus Expenses and Debt equals $ I have to live off of," then they can handle a credit card. It's an equation of Assets - Liabilities = Left over cheese (which should remain positive + some, or OP should cut up the card, like I also advised). It's a good learning venture. And someone should always start with a starting checking account, anyways, but I'm assuming OP already has as much. He said he wanted one for online purchases, in which a credit card would be ideal for the reasons I listed.
>> G. Oogleit 09/01/08(Thu)17:35 No. 11970
File: 123146494057.jpg-(13.48KB, 420x282, xin_0003030609250822904028.jpg)
http://www.bankrate.com/brm/news/cc/20010813a.asp
" Federal safeguards
You do have some federal protections if a thief gets hold of your debit card and goes shopping.
It's not so bad if you act fast. Under the Electronic Fund Transfer Act, your liability is capped at $50 if you notify your bank within two business days of finding out your debit card is missing. Wait more than two days and you could lose as much as $500.
"The liability is frightening," Garman says. "You're liable. You've got two days to do the right thing."
If you discover an unauthorized charge on a bank statement, you may be on the hook for as much as $500, and that's provided you contact your bank within 60 days.
If you wait longer than 60 days, you're stuck paying every cent of a thief's spending spree. You could lose everything in your checking and overdraft accounts.
In 2000, both Visa and MasterCard extended their zero liability protection for credit card customers to debit card customers as well. So in most circumstances, a debit card customer will not pay a penny for unauthorized purchases made over their networks with these debit cards.
However, these are voluntary measures and could change at any time. Thus far, there is no equivalent law protecting consumers."
pretty solid information.
>> G. Oogleit 09/01/09(Fri)20:35 No. 12012
File: 123156210945.jpg-(11.23KB, 217x270, beldar.jpg)
Look good.
Be own boss.
cheese ONLY.
A thread I made on CanadaChan:
RCMP officier 08/04/29(Tue)15:35 No. 25
if i was to move to canada where would a good city to be to move and what about your citizenshit test
Expand all images>> RCMP officier 08/04/29(Tue)20:18 No. 26
Lots of great places in Alberta and housing prices aren't ridiculous there. Anywhere on the coast of BC is quite frankly beautiful, but as such housing and everything else is quite expensive. Montreal is fantastic, especially if you speak french. Toronto is... busy. I don't like it personally. Saskatchewan is flat n shit. I'm not an expert on the eastern provinces of Canada so I don't want to give any input on that.
Anyways like I said earlier, Alberta and the BC coast are great right now. As for citizenship I don't think it will be too big of a problem if you can speak english and have some sort of trade or education.
>> RCMP officier 08/04/30(Wed)03:58 No. 27
Comox or Nanaimo on Vancouver Island or Powell River on the mainland in BC.
Strong economy, beautiful landscape and weather and an affordable and relaxed lifestyle.
Alberta is as functional but its like Canada's feet; it does all the hard work, smells bad and is only liked by 40-something fetishists.
>> RCMP officier 08/05/01(Thu)07:29 No. 28
File: 120965215180.gif-(391.10KB, 211x170, dkchan-gif-38-2-300707.gif)
Where are you from " No. 25 "? With a general idea of your nationality, it would be a bit more to tell you which place would suit you more... because it's also about weather and whatnot. My friend comes from Alberta and she finds the easter provinces so much more humid, and it took her a while to get use to it.
>> RCMP officier 08/05/01(Thu)14:07 No. 29
>>28
midwest, unitedstates
>> RCMP officier 08/05/02(Fri)22:52 No. 31
Quebec has a high employment rate, and it isn't 100% french. Many places in Montreal are english, in fact.
>> RCMP officier 08/05/03(Sat)20:48 No. 32
>>31
i assume most of the french speakers speak english as well then?
>> RCMP officier 08/05/06(Tue)20:16 No. 48
>>31
It does, but you could get a better wage way more easily in Alberta.
Even some Quebecers are moving there for a certain period of time to get jewgolds.
>>32
Most of the French speakers in Montreal.
But in it's suburbs and smaller cities, english speaking only peoples are generally considered, um, annoying, or hated.
Heck, even my boss didn't speak english (part time job in a grocery store, I live in Montreal's subrub.)
>> RCMP officier 08/05/06(Tue)20:17 No. 49
Also, look at the english our future prime minister.
http://www.youtube.com/watch?v=iFWloJMjg60
>> RCMP officier 08/05/07(Wed)09:47 No. 55
center of the universe AKA Toronto.
if you enjoy the city life, tons of attractions (ROM, sceience centre, CN tower, etc), SPORTS (jays MLB, leafs MHL, Bills NFL, argos CFL, Rock NLL, tfc MLS, etc), and culture (visible minority is becoming the majority now), then come to toronto.
>> RCMP officier 08/05/07(Wed)18:26 No. 59
>>55
We're talking about which city should OP go to, not why your city is the best.
Also remember, Toronto is not the only multicultural city with a lot of attractions and sport teams.
>> RCMP officier 08/05/07(Wed)22:16 No. 60
>>55
Toronto sucks
>> RCMP officier 08/05/08(Thu)01:59 No. 61
montreal cheap rent easy to find work
cheap booze food and smokes I am here to stay
oh and I don't speak that much french
inb4 anglo power
>> RCMP officier 08/05/08(Thu)18:56 No. 62
>>61
Yup, the living cost in Quebec is lower than the rest of Canada because of our failfrenchiness :)
>> RCMP officier 08/05/08(Thu)19:31 No. 63
>>61
went to montreal for a holiday and loved it. Is there a drum circle and cheesy gladiator battle on Mount Royal every sunday?
>> RCMP officier 08/05/08(Thu)20:37 No. 64
live in montreal only if you want your car and property destroyed due to hab fans rioting
>> RCMP officier 08/05/09(Fri)18:57 No. 65
>>64
Just don't live close to the bell center idort.
>> RCMP officier 08/05/10(Sat)14:39 No. 70
>>63
tamtam my friend where the drug dealers come right to you and say hey man you wanna buy some ganja
also if you seen someone 6'5 with a kilt drunk as hell and a sword that was me
>>64
sorry man but ya know the deal riot if the habs win or lose
>> RCMP officier 08/05/10(Sat)16:03 No. 71
even though i fag around in ontario
i'd probably say you'd have a better time in BC, or alberta if you wanna make some jewgold
>> RCMP officier 08/05/10(Sat)19:55 No. 72
>>55
Nightlife sucks.
>> RCMP officier 08/05/11(Sun)16:12 No. 75
>>71
Vancouver cost to much to live
I feel pity for anyone living in
Alberta I think we all know why
>> RCMP officier 08/05/11(Sun)19:25 No. 76
>>75
My buddy worked there for over a year, he said that Alberta is great for making money but they have no good beaches. He said the one beach which was considered a hotspot over there was tiny and probably formed by cow piss run-off. Other than that he liked it, mountains were in view at the farm he was working. I still say Alberta is in the top 3 of best places to live in Canada now.. You can get some high-paying jobs there, and there's no nigger bullshit 7% PST like in Saskatchewan or MB or anywhere east thereof. That shit matters BIG TIME when you're making big purchases.
>> RCMP officier 08/05/12(Mon)03:28 No. 78
>>76
wait what beaches in Alberta
what the fuck are you smoking
>> RCMP officier 08/05/14(Wed)20:20 No. 81
>>78
There are lakes, there are beaches.
>> RCMP officier 08/05/21(Wed)09:58 No. 88
File: 121138909528.jpg-(28.64KB, 268x374, tmnt.jpg)
alberta fucking sucks. The "good money" you make here gets blown on just surviving. move to the east coast. it is cheap as hell to buy anything there, and they just found oil off the coast of Labrador. Which means all the newfies are going to be ditching Fort mac and run home for the oil boom that is just waiting to hit. Buy now make a stack in about 5 years.
>> RCMP officier 08/05/22(Thu)11:07 No. 94
>>88
I wouldn't be able to take the newfie accents on a daily basis.
>> RCMP officier 08/05/22(Thu)11:59 No. 95
lord tunderin jesus dere bai
>> RCMP officier 08/05/29(Thu)16:32 No. 114
Halifax
en.wikipedia.org/wiki/halifax
>> RCMP officier 08/05/31(Sat)17:37 No. 115
I feel the need to contribute further to the depth of this thread so I'm going to go a little deeper into this.
I am a student with one year of high school left and I have been thinking of moving to Canada for a while now. I actually have little reason if any at all. Now would it be a good idea for me to pursue higher eduaction while still living in the states? I have no scholarships lined up and my grades are average.
ask for moar info, act as if my life is a sim game
>> RCMP officier 08/06/01(Sun)11:46 No. 122
>>115
one word Mc gill
>> RCMP officier 08/06/02(Mon)23:07 No. 123
>>115
Unless I am horribly mistaken, tuition is much cheaper in Canada than it is in the US. You should definately consider it. Ontario has some fantastic universities, depending on what you are interested in.
>> RCMP officier 08/06/04(Wed)15:12 No. 124
WINNIPEEEEEEEG
>> RCMP officier 08/06/05(Thu)00:45 No. 125
>>124
oh no
>> RCMP officier 08/06/11(Wed)09:35 No. 134
Ontario is a great place to live but only above the neck. I think Peterborough is the pivot point anything south is crime stricken shit hole and everything North is beautiful landscape with great communities.
>> RCMP officier 08/06/11(Wed)17:28 No. 135
Anywhere but Winnipeg
>> RCMP officier 08/06/28(Sat)08:45 No. 148
>>135
winnipegger here
GO TO HELL
anywhere but regina or hamilton.
>> RCMP officier 08/07/03(Thu)11:05 No. 152
Alberta to work, BC to live.
>> 27 08/07/13(Sun)18:13 No. 158
>>152
doesn't b.c have a 0% vacancy rate?
>> RCMP officier 08/07/22(Tue)12:49 No. 163
>>148
Winnipeg is a frozen shithole. Enjoy your penis bridge and deteriorating downtown area.
>> RCMP officier 08/07/22(Tue)21:27 No. 166
Sarnia Ontario. you can easily get in one of the unions to work in chemical valley, or you can get hired by one of 3 callcenters. also you can buy a house very cheep in Sarnia and afford while only making 11$/hour (callcenter wage)
>> RCMP officier 08/07/23(Wed)12:11 No. 167
>>163
WINNIPEG IS A DOGSHIT DILDO
>> RCMP officier 08/08/16(Sat)21:18 No. 179
I live in Powell River and it's not a bad place. And there are some excellent "farmers" living there.
>> RCMP officier 08/08/25(Mon)13:15 No. 186
File: 121969535210.jpg-(79.34KB, 600x800, DildoNewfoundland.jpg)
>>167
move to dildo
