I have bought and sold over a dozen houses, my credit has been shit and I repaired it, and I have worked for a number of insurance related tech companies that evaluate your credit. What is considered when evaluating your viability as a borrower is your debt exposure. Credit cards are pre-approved debt. If you have $100,000 of combined available credit on credit cards, then you might as well be $100,000 in debt. This is especially true if you got these cards while you were in a higher income bracket than you are currently. If you had a nice job paying $125k but had to move and now make $95k, then those cards might represent a debt burden you might no longer be able to carry. That is a huge ding when being evaluated for credit.

EDIT: By the way, most people also believe that only the outstanding balance is counted. That is true for loans but not for credit cards.

If you have a credit card with a $25,000 limit, that limit counts against your total even if you are not using it. For example, if it is determined that you can sustain mortgage debt of a maximum of $400,000 at current interest rates, you will not qualify for that amount because you also have an open credit card with an available balance of $25,000 at a significantly higher interest rate.

Dear young men. Get a vasectomy. You don’t want to raise children in a doomed future, plus it might do wonders to your dating profile.

We had to take that class on our senior year many, many, many moons ago. Back then they taught us that having a credit card was good though. LOL!

If you already know you have to retake the course during summer school, what’s the point in sweating the final?

I watched that movie.

Doctor gave me Focalin and one of my coworkers asked me for one. He was climbing walls while I quietly and calmly troubleshot an incident and wrote my after action report while listening to Styrofoam.

This is similar to when contracts go “up for bid” but they are really just going through the motions in order to appease regulators or investors. We stopped bidding on stuff years ago because of this.

I make that joke last time this gets posted and I get downvoted to oblivion. SatansMaggotyCumFart makes the joke and nobody bats an eye. That settles it, I am changing my username! 😉

Tell me you’ve never sucked pierced titties without telling me you’ve never sucked pierced titties.

I am not trying to flex but I have a Sprinter van and camper trailer with a Starlink mount that my wife and I use to “go off-grid” in Wyoming and Montana (Yellowstone, Grand Teton, etc, area). It doesn’t suck. If you can make just enough to maintain a lifestyle that keeps you in nature, I highly recommend it.

PS: A lot of people (young and old) in my area of Wyoming do that. They work the high tourist seasons and odd jibs in the low season, then spend the rest of their time out in nature.

Salaried employees get paid by default. Someone has to notify accounting to not pay the person, not the other way around. This has been the process for every company I have ever worked for, or owned. I am not saying that what you are saying isn’t true, I am saying that it is fucked up.

It isn’t a stretch. I can’t speak to other states but in Texas, it is almost guaranteed. I had added an edit to my previous comment. The fact that it was approved before we submitted our objection tells you enough.

Severance, you’re right. Unemployment is likely still on the table depending on the state. In Texas, the person can file for unemployment. The company can challenge saying they were a no show but the employee can argue that it isn’t true. It is just easier to allow unemployment to just cover it.

EDIT: I once had a guy work for two week as a 1099 and he still filed for unemployment. That got denied because he was never an actual employee, but had we not noticed the claim in the mail, he would have gotten paid.

Take two weeks vacation. Get paid.
Miss two weeks of work. Get paid.
Get fired. Get two weeks severance and unemployment.

Homie quit and got six weeks pay plus unemployment benefits.

I have had to deal with a few of those in recent years and they are not fun. Hang in there and best of luck.