"Stop Asking Your Friends What to Text Her"

Your buddy Dave has been single for three years and thinks "hey u up" is a valid strategy. Your other buddy Mike just got dumped and told you to "just be yourself."

You showed them her text. You asked them to decode the emoji. You drafted four responses and sent the screenshot to the group chat for a vote.

She's been waiting forty minutes.

Put the phone down. Stop crowdsourcing your love life. Type something that sounds like you. Hit send. Then go do literally anything else with your evening.

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Credit tips?

e-lie

Senior Don Juan
Joined
Mar 27, 2006
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Any tips for building credits like alot of people I was a victim of identity theft help if u know of any suggestion.
 

"Why Women Dump the Guys Who Try the Hardest"

You paid for dinner. You drove. You said "whatever you want is fine" every single time. All the effort, no expectations.

And she left anyway — probably for a guy who makes her pick up the pizza.

Painful. Also predictable. Her mind quietly concludes that anything requiring zero effort from her is worth exactly zero. You became a free sample, and free samples get taken for granted.

The 22 Rules flip the dynamic. Small shifts that get her investing effort, money, and time in you — until SHE'S the one afraid of losing YOU.

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Bible_Belt

Master Don Juan
Joined
Jul 27, 2005
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midwestern cow field 40
For credit cards, use them to rack up a balance for things you would buy anyway and at the same time save the cash, and then carry the balance for a month or two. Then pay it off with the money you saved and when it is near zero, ask for a higher limit. Then repeat the process with larger sums. A month or two of interest is worth the help to your credit.

Lenders report when you are 30, 60, and 90 days overdue. 29 days late does not get reported, but 31 will, no matter how much you complain. Phone and utility bills don't impact your credit until you have a very overdue balance that is sent to collections.

Stay away from department store credit cards, unless it says Visa or Mastercard on it. They tend to hurt more than help.
 

Interceptor

Master Don Juan
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Apr 25, 2007
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Open up an account, bank or department store. But something cheap, pay it off, and then keep the card open.
Always pay above the minimum amount due.
And be really use good judgement and discretion when you buy big ticket items. Buy it, and pay it off.
 

Skel

Master Don Juan
Joined
Nov 5, 2003
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More important is to not ruin your credit. Its pretty hard to build up good credit after it has gone bad. Pay your stuff on time.
 
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