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Is it reasonable to apply for a short term loan less than $1000? Would I do so at a bank, or what? I got kind of fucked financially, and need to cover my ass for about 2 weeks until I get things sorted out.
First, I got a paid vacation from work for 2 weeks. That'd be great, but my boss fucked up at entering my hours, so I got a nice pair of $0 paychecks. This missing money will be added to my next 2 paychecks. This wouldn't be so bad, as I've started saving money recently.
But then I got a bill notice from Verizon for a service I very explicitly cancelled a few months ago. I even turned my phone off for most of that time. Months of bills and late fees had built up, resulting in a few hundred dollars of unexpected fees. I called Verizon, and it seems it's going to get sorted out (after some agonizingly drawn-out phone calls I'm sure).
The problem is that due to all this shit there's currently less than $2 in my bank account for a while, despite the fact that I make a (normally) comfortable amount over my expenses. Unless I want to eat nothing but the noodles and frozen fish I have for stored food in my house for that time, I'm gonna need some cash. I borrowed a couple hundred from a friend a couple days ago, but he's already at the point where he's constantly asking me whether I have money to repay him. I'd much rather pay him back and have debt with a legitimate loaner. I have no credit, unless some fiasco here hurts my score.
TL;DR Only the first paragraph matters I guess. The rest is more of a rant. I'm an American in a ~40k population town, if that matters.
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It's like called a payday loan or money order or something idk I've never worked in my life but that's what my parents did a couple times. I'd do some research on it though
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A real bank isn't going to give you the money in time and probably won't give you the money for that purpose anyway.
Your only real options are payday loans and title loans, which are easy to get at any of the dozens of places for that purpose you see in the local hood, especially if you normally have a comfortable amount of disposable income. The caveat is that the interest rates are abysmal, awful garbage, in the range of 200-400%, as in that's how much money you'll actually end up paying for what you get.
That being said, they get away with it because the actual dollar amounts you pay for interest and principle are pretty low, and debtors are fairly well protected under the law.
As to whether it's reasonable, it's up to you. You're getting the shit scammed out of you when you borrow from one of those places, but it's just money and it's not personable. I would hate to borrow that kind of money from a friend period, much less not being able to repay it quickly and having them be in a position where they actually need it.
"no credit" might be a problem, but I don't have enough personal experience with those sorts of places to tell you. Considering the kinds of places they operate, I don't really think it will be. In the future, you should get a really shitty but legit credit card, like Discover, to build your credit score. Just make the sort of minor purchases you would normally make on debit, wait a month or so, and then pay it off.
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>>17847644
I what you say about the screw up by your employer is true then that is where I would start. They need to pay you what is owed and they should be able to cut you a check.
Personally, if this happened to me, and my company was unwilling to correct the issue timely, I would be filing A complaint with the department of labor for not only the wages owed but any provable hardships due to the error of your employer.
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Hey /adv/
I often lurk around here but this time I got stuff going on and I'm turning to you for some tips and tricks, I suppose.
The person I've been talking to and been in a relationship with just cut me off out of the blue saying he doesn't love me anymore, which happened basically over the course of 3 days, however it's been serious, talks and plans for the future, love, everything was great. We've been each other's best friend and everything. Maybe I was delusional or coming onto strong, thing is things like that hurt like a bitch.
Guess I'm just on here to see if you guys are experiencing anything similar, heartbreak, break ups, etc. and how you're coping with it?
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Ouch Op, I'm sorry.
How long did you two date? General rule for "getting over it" is 1/3rd the time you were dating.
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>>17847655
6 months lol damn seems like it will be a long time!
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Hey op split with my gf in late October, same sorta thing just said out the blue no more feelings for me, just got to move on, seeing someone else now but I'd be lying if I said I didn't still think of her
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My house got broken into on Thursday. Came face to face with the guy. Well more, my face to his back as he ran out of my basement.
We changed the locks. I wish I could say we did more, but that was seriously it.
Anyways, now sounds I hear outside and in my basement are freaking out. They're normal house/nature sounds, but I'm too paranoid now. I've gone outside twice tonight to check on things. (the basement has its own backdoor) What do I do?
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>>17847618
stop living in ur basement
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>>17847631
i don't, my room is right above the basement.
thanks for ur super helpful meme comment
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>>17847634
shut the fuck up 400lbs hacker
im not the one whose meme folders got stolen by the meme thief while i couldn't move my obese ass to save my life
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Growing up in a generation addicted to memes, both ironic and unironically, do I have a chance to win a girl over if I make her laugh enough with memes?
Girls, radiohead the bends?
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>>17847611
you're a cuck if you think you can MAKE someone sexually attracted to you.
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>>17847611
Anything is possible with memes, really anything. I meant it. Anything.
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>>17847636
I don't plan to make them sexually attracted to me, just to get her thinking about me in any form possible
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I feel like this generation is composed entirely of narcissistic sociopaths.
What did we ever do to millennial's to turn them into such soulless little monsters?
How do we keep them from destroying everything we've worked for?
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>>17847576
GMOs and vaccines
baby boomers are fucking retarded
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>>17847591
Yes, because it goes directly from
>Baby Boomers
to
>Millennial
You're ignorance literally nauseates me.
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>>17847576
The same thing would have happened to your generation if you had the technology. Don't get all high and mighty.
Anonymous
IM AUTISTIC WITH WOMEN 2016-12-12 07:59:38 Post No.17847541
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IM AUTISTIC WITH WOMEN 2016-12-12 07:59:38 Post No.17847541
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How do I operate as a virgin. I have no intention of having sex until marriage. I am complimented on my looks a lot, and I am fairly flirty with women and they are surprised when I don't have a gf and those who know about my v card have offered themselves to which I refuse.
The issue Im having is that I broke up with my gf about a year or so ago. We dated for 3 years and it was magical so the break up was hard. We didnt even end it because we weren't compatible, just she wanted to go to grad school across the country and we both accepted a LDR for 2-3 years would be too much.
Back to now a year later, I find myself flirting with girls and having fun. But I get carried away having too much fun alone with them and after a quick session of play wrestling they gave me that look like they want me to kiss them.
Heres where my autism kicks in. Im not 1000% over my ex. And while looking at them I feel like kissing them would betray those feelings. Furthermore I panic when I think about how to stop it from getting sexual and get in my own head and do something autistic. Last time this happened Im on top of a girl and she gives you that vulnerable expression that tells you to go for it. And I fucking blew air in her nose. I fucking freaked out and blew air in her nose. The idea that she could want sex freaked me out so much that I shat my pants.
I honestly didnt think I would have this problem with women since I thought I matured with my ex, but I think things only went so well with her because we were friends for years before we started dating.
tldr; I cant tell if it is my feelings for ex or fear of women wanting sex from me, but I act autistic when I get close to them.
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>no sex until marriage
Any particular reason you are cutting your potential dating pool to 1% of what it could be?
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>>17847580
My beliefs rooted in why monogamy is the correct way for humans to pair off.
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>>17847587
So because your church told you sex is evil? Okay, just remember your only hope is finding a very religious girl.
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I just made about 2liters of chocolate fudge for a few different reasons. I'm considering giving some to a girl before or after we take our final in the morning as a small Christmas gift. We have not previously mentioned getting anything for each other. She and I have studied together throughout the semester and been out to eat a few times for lunch, and after a while I began to have some interest in her but wouldn't know if it is returned or not. She's sweet and 80% of our classes are together next semester so I don't want to make her think of me too weirdly.
Should I or shouldn't I? My experience with women is pretty much non-existent despite being 21.
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>>17847527
I forgot to say that I'm not talking about giving her the whole 2liters, that would be absurd. Maybe 200cc or so. I'm keeping a portion of it at home for my family and giving away the rest of it to different people anyway.
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>>17847527
I think that's a perfect little gift that doesn't say too much or too little op
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>>17847527
>>17847534
make sure you give some to a couple other people in the class (preferably so that she sees you do it and perhaps people she is on good terms with, and try for at least one person of the same gender)
If you give chocolate to everyone, you're not only demeaning the value of the chocolate you give to her, but building a persona that may be completely out of sync with everything you've exhibited to the class thus far, possibly setting yourself up as fake, weird, desperate etc.
If you give it only to her, and she isn't interested, the intent becomes obvious and it'll strain your relationship, if not outright kill any chances of her ever being interested.
But yeah, it would be sweet if you gave chocolate to the 3 or 4 people you are closest to in the class, and wouldn't be creepy or any of the adjectives listed above
hey so my girlfriend of 1 and a half years went on a website for escort services without me knowing.
basically i have access to her photos from google and i went on there to grab some pictures from a party we went to the other night and saw pic related that i guess she mistakenly put on there.
i confronted her about it but she started lying but i was able to push her into admitting the "truth"
idk how long she has been doing this. she brought it up with me but i told her not to do it because itd make me uncomfortable.
she swears she never actually sent any pictures to anyone and ended up deactivating it because she felt awful about it. (i do have proof that she ended up deactivating the account)
but she also has tons of messages from other guys that i didnt read so idk what she ended up doing honestly.
idk what to do and am looking for advice on how to deal with this other than just "break up with her"
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>>17847499
god am I a fantastic retard. HERE is the convo haha
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>>17847502
when i saw the OP i instantly thought "she needs money"
now that i see the convo, it's confirmed
talk to us about ur financial situation, anon
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Trust is broken
Rip
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I don't like it here on 4chan. I find the people here to be rude, obnoxious, and stupid. They are probably the closest thing I have to an enemy in this modern world.
Everything people do and say here infuriates me. Which makes me wonder, why do I spend so much time here, with people I hate, arguing against opinions I don't respect? Wouldn't I rather spend my time with people I respect and admire?
But the thing is, I no longer feel like I can trust the people I find easiest to get along with to tell me the truth. I feel as though their gentle nature has given way to self deception. Their constant capitulation to my political rivals breeds in me a sort of resentment, an anger which makes me afraid that I will someday lash out and hurt the ones I love.
That they are unwilling to fight for their own interests, that they are willing to turn their back on the truth, means that I only really feel comfortable among my rivals.
I would rather stand alone against a sea of ignorance than answer the clarion call for "solidarity", when in truth we rally behind the banner of surrender.
So. Where do I go from here? Who are my friends now?
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>>17847427
I feel like the people on 4chan are the only ones who are willing to tell me the truth, even though their heads are filled with lies and nonsense.
They BELIEVE they are telling the truth, even if what they believe is false.
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>>17847427
you come here for one simple reason - instant gratification
ur ancient brain still has a trick or two up its creases
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>>17847427
If someone's political views bother you so much that you can't be friends with them anymore, then you have bigger issues. Like acceptance and forgiveness. Also, why not just ask your friends to be honest with you?
You should also lurk a bit more and realize that most of the shit people say on here is sarcasm and just people lashing out emotionally because they feel trapped, scared, and mentally exhausted. Memes and yelling the N word is how it manifests here, apparently.
And don't argue with people online. Just spare yourself the embarrassment and click away.
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25 yo virgin here. If given the chance, is it worth fucking a fat chick just to lose my vcard?
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I'd say it really just depends on how you'd look back on it. Would you laugh it off when you think about it? Or would you regret it forever? Sex is only great if you feel for who you're doing it with in my opinion
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We can't answer that for you. Some might think that sex isn't a big deal and that you need to get rid of your virginity ASAP, others think you should 'save it for someone special'. I personally think sex should be kept to committed relationships, but the fact that you're asking this makes me think you want someone to tell you to go for it and that you couldn't care less whether or not it's in a relationship
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>>17847414
there's no physical seal to break to be free from male virginity you cuck
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so this old acquaintance of mine has really gotten into the weed life and posts all this weed shit i could care less except she does it openly around her daugher with all these weed type people coming in and out of her house all the time. you can see her there in the picture in the back. is this safe? it feels wrong. should i say anything?? contact anyone?
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>>17847383
she likes the bbc fuck off cuck let ppl enjoy their 420
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so this old acquaintance of mine has really gotten into the alcohol life and posts all this alcohol shit i could care less except she does it openly around her daugher with all these alcohol type people coming in and out of her house all the time. you can see her there in the picture in the back. is this safe? it feels wrong. should i say anything?? contact anyone?
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>>17847383
She's old enough
>>17847406
This is a good point
Waiting for someone to come in with the heroin version
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I'm drunk right now, and am in a moment of weaknesss. In all honest I'm a shitty girlfriend to the guy I'm with. I'm considering whether or not I should just disappear.
For starters, he's a great guy. Easily the nicest person I've even be friends with, let alone been in a rlationship with. I try my best to be good, but fhonestly I'm really not. His family hates me because I'm black and he's white. I've got a high number of previous partners. I make way less money than he does. He deserves better all around.
Should I leave him for his benefit? How shitty a gf do I have to be for it to be merciful to dump him?
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>>17847373
>Should I leave him for his benefit?
This is why you're a shitty fucking girlfriend.
I bet when he communicates his concerns with you, your reply is "Then why don't you leave me?"
Stop doing that shit. It's abusive. Fucking work on yourself, stop doing the shitty things you do. Running away is just avoidance and your next relationship will be just as shitty.
Stop being a lazy cunt and take responsibility for your actions.
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>Easily the nicest person I've even
I make it a rule to only date my favorite person. that's kind of the whole deal
>His family hates me because I'm black and he's white.
he's from trash is all that means
>I've got a high number of previous partners. I make way less money than he does.
I know some people think otherwise, but having sex and being poor aren't sins or character defects and you should know better.
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>>17847373
Dear femniganon.
If you make him happy, then that's all you need to focus on doing. I've been on the side your BF is on where my SO at the time was a different ethnic background. Make him happy. Simple as that.
I didn't care what my family would think. If she made me happy and worked, it didn't matter what she earned. As long as you don't sit on your ass at home, work, handle your own shit, and otherwise are sweet n loving and enjoyable to be with, then fuck the rest of the noise you're worried about
Anonymous
Tired of being bullied by my family members. It's always something new. 2016-12-12 06:50:55 Post No.17847296
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Tired of being bullied by my family members. It's always something new. 2016-12-12 06:50:55 Post No.17847296
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Tired of being bullied by my family members. It's always something new.
Anonymous
2016-12-12 06:50:55
Post No. 17847296
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Growing up I had alot of positive feelings towards my cousins. We for the most part got along great. But as I grew older I realized then one of my cousins (Ab) started spreading rumors about me. I walked in on him telling my other cousin how I have a.d.d and am always listening to different songs. Then they both laughed about it.
Then my other cousin started bring up at parties how I had "no personality" and would make faces at me, this is a 23 yr old man btw (i was 16 back then).
Then my cousin got a hold of my msn contacts, and messaged them all rumors about how I was a terrible person, i sucked at life etc and I was a total loser. They got weird out by why this stranger was messaging them, and blocked him.
Then my cousin's mother starts taking my cousin to my best friend's house, and had them become "friends", then my friendship with him was over. I spent a year alone in high school and moved away.
Before moving to US with my cousins, I was a prodigy and did really well at school. I was popular, good natured and never gave a shit about trivial things. I always had the best intentions for my cousins. Anyways i was baffled by their behavior and surprised, so I stopped talking to them, or going to their parties. Once in a while I would run into them and it was nothing but criticism, last time they said "I looked like Michael Jackson".
Now three years later another cousin who I was still good in terms with, shows up at my house and after a brief convo convinces me to make amends.
Other two cousins show up. Few mins later they bring up how "I don't like women". So apparently now I am a homosexual (I am not).
What the fuck do I do? why do these guys keep spreading rumors about me. The older one is a legit actual pedophile.The other two I already described to you guys.
They ruined my reputation in my entire extended family and I just don't know how to make them stop. Do I just cut my ties? and what the fuck is their deal?
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>>17847296
Tell them to fuck off and stop wasting your time with them.
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>>17847296
Bad parenting
Tell them to fuck off
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>>17847296
Cut your ties. They are probably jealous of you or are immature due to bad parenting.
Tell them to fuck off, focus on your schooling. Your family will realize that theyre lying when u get into a good college, when you get a bomb gf, and when you get a sweet job and house and car
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Should i post nudes of myself on /b/?
Is it safe?
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post them here first
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If you don't know the answer to that question, you need to stop using the Internet.
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>>17847291
Don't show face. Blur room. Scrub exif data. Lie about personal info. You'll be fine
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Ex-girlfriend just found me on social media after no communication in 4 months. Last time I saw her, I traveled 5 hours to surprise her and fix things.
I obviously have a lot of anger but miss her to an extent. Waiting for her to message me. What's the best way to handle this without making a fool out of myself?
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>>17847284
Don't even talk about your past relationship unless you both want to get back together. Just ask her how she's been/how her day was. Keep it really casual.
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>>17847288
Any idea why this bitch is trying to follow me on Instagram 4 months later?
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>>17847292
Could be a few reasons.
She might want to be friends because she misses you, she might want to get back together but I would put money on her just being curious after months without contact and doing a bit of creeping.
She might be just nosey and she might want to know if you are doing better or worse.