Shit that pisses me off...

T

Think 1st

New member
1. Bill collectors - Please not that not all bill collectors piss me off and that I'm not pissed off because they want my money, but rather because none of these mother fuckers can speak english without chewing their fucking words. If you take a goddamn job where you will most likely have to speak english well then make sure you can or I will tell you to put somebody who kinows how to speak on the FUCKING LINE.

2. People who don't know what a money order is - Honestly, when it comes to bills I adamantly REFUSE to use a checking account. I don't even have a checking account. I have a savings account. I do all my bills through money order. Always have, always will. Why? Because I know I won't be over-drawn by some fucked up hidden fee from hell.

3. Fucked up hidden fees from hell - Is there anyone that this doesn't piss off? Honestly?

4. The parents - I'm glad they are finally planning to move the fuck out of my house, I'm glad they think Alberta is a grand fucking place, now all they need to do is stop asking me for money all the goddamn time. That'd be nice.

5. Bums - Don't ask me for change, I have none to spare. I'm repairing the upstairs, fixing a couple credit "anomalies", and I HATE freeloaders.

I'm not asking for much, I'm just asking to have a bit of peace while I try to be a good citizen that pays his bills.
 
Um...no.

EDIT:Umm...what the hell? Life doesn't suck, I just detest collectors and family members. DEARLY.

Fucking people moving my thread! :p
 
1-3 quitcherbitchin. Pay your bills on time and you won't have to deal with foreign bill collectors. I've never talked to one. Find a bank that doesn't charge you fees. I never get any hidden charges through my checking account. Pay attention to your money and you'll never get overdrawn (thanks internet realtime account balances!).


4. Yeah that sucks. Luckily my parents aren't freeloaders. They let me be one for a while. I bet they were happy when I bought my own place.


5. AGREED. Get a job ya fuckin bum. Go help a warehouse unload boxes or some shit, they dont care that you're dirty.
 
Yup, learn to balance a checkbook. Nowhere for hidden fees to hide when you can look in your checkbook and go "see, I have this many pennies." Most banks offer online banking. That let's you look at your account as often as you like to make sure you didn't get ambushed.

Honestly, they don't have to accept your money order. If you owed me money and showed up with a money order I'd tell you to go to a mother fucking ATM and get your shit right.
 
Bitchingass OP:

Get a Job
Sell adults weed
Clean foreclosed homes
join the fucking navy
fucking pick fruit on a farm

Too many jobs even in a fucked up economy to be broke if you dont wanna be
 
Advice: get a checking account, but do not get just a debit card. Get a debit card but use it for small things, and use the check card register. Debit card transactions can take up to almost a week to be reported to the bank. Use the double image checks instead and write down all the checks you write, as well as anything that is automatically taken from your account. Go into the bank frequently and ask the tellers to check your transaction history to see what checks have been presented to your bank.

If you live in a state with Chase banks, I highly recommend a free savings account from Chase. It's the only bank right now offering a free checking account with direct deposit OR 5+ debit card (PIN number) purchases in a payment period. Hell, buy five things of gum across five days and you won't be charged a service fee. All other banks require direct deposit for a checking account to be free.

Link your savings account to your checking to provide ODP, and make sure to keep a steady cash flow into your savings account. Most banks require a minimum $300 balance in your savings account, or a monthly deposit of $25. If your cash flow is large enough, I recommend Better Banking and Money Market accounts, because you'll earn higher interest rates, but you'll have a higher minimum balance to maintain.

If you have credit cards, a car loan, or a home EOC or other kind of installment payment with Chase, you can pay everything at the teller window all at once, and unlike if you mailed the payment in, which can get lost or delayed, any payment you make at a teller window is credited either immediately if paid with cash, or at midnight if you use a check or withdrawal slip. It's actually recommend to pay it at the window because it goes through faster.

If you have a credit card and have good credit, you might want to check out a Chase Freedom card. They're pretty good cards, no annual fee, and after the introductory 0% APR, your APR goes up to 3.99%.
 
After reading the infomercial (lols PP), I guess the mascot should pay a visit...

ChevyChaseBank.jpg
 
That's really rough about the whole parents freeloading off of you thing. I've heard that kind of thing happens where you get raised by your parents just in time for you to raise them because they weren't responsible enough to plan ahead. It sucks.



And that's terrifying. Really.
 
Besides, there's been a slew (slough? sliew? what? spelling?) of counterfeit Money Orders going around.

Hey, a teller is the only one who sees if someone is approved for a credit card. We have to know those cards, and unlike car salesman, it's legally required for a bank to tell you the truth. BSA, Reg C, Reg CC, Reg D....a bank could lose it's charter if it's found that it's been misleading customers in any way.
 
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