Uh-Oh

pjchappy · « **on:** 5 Dec 2003, 11:49 pm »

Arghhh. . . . me, w/ no job yet. . .so, no income, gets a new credit card. . .w/ a $7500 limit. Damnit. . .what to buy, what to buy

Well, I figure I could get away w/ spending $600 on a new pre-amp (the Purist by IRD-Audio). . .and then, forget I got it.

p

warnerwh · « **Reply #1 on:** 6 Dec 2003, 12:01 am »

You'll end up wanting to upgrade with a new job so if you buy something now a used piece may be a better investment as you can get most if not all of your money back. Be patient.

lonewolfny42 · « **Reply #2 on:** 6 Dec 2003, 12:13 am »

Patience is a Virtue ! ****

Spend, spend, spend ! ****

Patience is a Virtue ! ****

Spend, spend, spend ! ...............You must choose .

pjchappy · « **Reply #3 on:** 6 Dec 2003, 01:05 am »

Well, I've heard a lot of good things about this pre-amp. . .and I really don't foresee myself spending any more on one.

My upgrade list for when I get a job:
Pre-amp 1st (unless I buy one now)
New VMPS RM-30s
AVA 550exr

p

satfrat · « **Reply #4 on:** 6 Dec 2003, 06:28 am »

G**Damn it a $47,000 job and all I can get is 2 cards for $13,500. Nobody will give me another card either. Too many cards in a 6 month period (1), high ratio to credit ceiling ($13,500/$11,800). Capital One turned me down, City One turn me down! And the worse part is THEY sent me the applications as preappproved! And the 1 card I did get was from an application for a preapproved $10,000 Platinum that ended up being downgraded to a $3500 Classic! Well maybe they're doing me a favor, hea?

Regards, Robin

lonewolfny42 · « **Reply #5 on:** 6 Dec 2003, 11:39 am »

Quote from: satfrat

G**Damn it a $47,000 job and all I can get is 2 cards for $13,500. Nobody will give me another card either. Too many cards in a 6 month period (1), high ratio to credit ceiling ($13,500/$11,800). Capital One turned me down, City One turn me down! And the worse part is THEY sent me the applications as preappproved! And the 1 card I did get was from an application for a preapproved $10,000 Platinum that ended up being downgraded to a $3500 Classic! Well maybe they're doing me a favor, hea? Regards, Robin

Oh, that Robin , spend, spend, spend

!!!!!! Never enough !!!

pjchappy · « **Reply #6 on:** 6 Dec 2003, 01:06 pm »

I've read that your credit rating increases on your first day of college. Even more once you enter graduate school. Now that I am a lawyer, that might have something to do w/ me getting 2 cards. . .one at $6500 limit (maxed out right now) and one at $7500 that I just got.

Either way, I need a job. . .

p

rosconey · « **Reply #7 on:** 6 Dec 2003, 01:11 pm »

tis the season and i could use a new dvd

lol

BeeBop · « **Reply #8 on:** 6 Dec 2003, 02:47 pm »

Don't kid yourself. I have a friend who makes only $25K a year and has a credit card with a $13.5K limit. It's a trap. Don't fall into it.

Marbles · « **Reply #9 on:** 6 Dec 2003, 03:01 pm »

Pj, a women I work with has a son who just passed the bar a year ago.

He could not get a job as a lawyer so he got a job as a waiter. As it happened two very well to do lawyers were at the bar one day and they made small talk. Their suggestion to him was to go down and sign up to be a public defender.

The reason being, that it will give him experience as a lawyer for when the economy picks up and lawyers are more in demand, he will have experience over those not practising.

He has done that and has made some modest money doing so. He has signed up with the PD office in all the surrounding counties where he lives.

Good luck with the job search.

If you are using a credit card for short term borrowing, that's OK. If you are using a CC for long term borrowing, then that's a very expensive place to do it. See if you can get a bank or credit union to pay off your credit card and because of the lower interest rate, your payments will be lower.

Then be real careful with the plastic.

pjchappy · « **Reply #10 on:** 6 Dec 2003, 03:15 pm »

I applied for a PD position. . .it was quickly filled by someone else.

My career counselor said that this is one of the worst times he's ever seen for job listings. . .

Anyways, the main reason I got this card is to transfer some of my other card's debt onto it. . .so, it'll be interest free for 6-months. . .also, I need to use it to buy everday things.

Both cards have decent fixed rates. . . 9.9% and 8.9%.

As for waiting tables, I used to do that. . .I never want to again

, but, I'll give it another month and I may just have to by then.

p

JLM · « **Reply #11 on:** 6 Dec 2003, 03:29 pm »

A law degree provides excellent preparation for a wide variety of fields.

Much of what makes a job enjoyable and rewarding has little to do with the actual type of work performed. Factors such as location, type of organization, organizational culture, pay, benefits, flexibility, and just clicking with the people you work with can be more important.

So don't limit yourself on your job search.

And...

Don't buy toys until you are on your feet financially!

50 years ago you could afford it when you had cash in hand.

25 years ago you could afford it when you could pay off the credit card the following month.

Now you can afford it if you have the credit limit.

Bankruptcies and foreclosures are at an all time high (and have been on a steady rise even during the boom years of the 80s and 90s). We live in an instant gratification society and this is the result.

pjchappy · « **Reply #12 on:** 6 Dec 2003, 03:32 pm »

Well, I really need to practice. . .I want the experience. I don't want to do something else having never practiced law. 2 years down the road, if there is a great attorney position open, w/o the experience, I would be screwed.

p

satfrat · « **Reply #13 on:** 8 Dec 2003, 10:59 pm »

Quote from: satfrat

G**Damn it a $47,000 job and all I can get is 2 cards for $13,500. Nobody will give me another card either. Too many cards in a 6 month period (1), high ratio to credit ceiling ($13,500/$11,800). Capital One turned me down, City One turn me down! And the worse part is THEY sent me the applications as preappproved! And the 1 card I did get was from an application for a preapproved $10,000 Platinum that ended up being downgraded to a $3500 Classic! Well maybe they're doing me a favor, hea? Regards, Robin

Spending days are here again!

I just got approved for a CityBank Mastercard for $4000 with 0% til June 2004. Guess that'll take care of my present "bubble" purchase of 11 Z-Sleeves to combat the mysterious Bybee rolloff I haven't heard in my system.

On other hand, with the Z-sleeves on an assortment of speaker, digital, and power cables in my system, the clarity and resolution of my highs have never been better.

Maybe with the 27" of snow here in Vermont, my Bybee's needed a sleeve to rolloff under?

Regards, Robin

markC · « **Reply #14 on:** 9 Dec 2003, 12:14 am »

Man, you should have a look at the BIG picture. A new CC is by no means a way out-it will only make things worse in the long run w/o a job. I just lost my job of over 15 years as an HVAC tech, do to the corporation that bought out the smaller original company 5 1/2 yrs. ago. Although I do have 3 prospects currently, (and I know that I will find placement), I am NOT spending any signifigant $ on equipment. I've decided to limit myself to smaller expenditures involving DIY. It's much cheaper and it gives me something to do which is both enjoyable and, (hopefully), rewarding. Don't mean to preach, but give your head a shake!

pjchappy · « **Reply #15 on:** 9 Dec 2003, 12:51 am »

Well, I probably WILL wait to buy the pre-amp. However, as bad as it sounds, this credit card is a lifesaver. . . I will need it for everyday expenses and for (hopefully VERY soon) moving out, etc.

p

jqp · « **Reply #16 on:** 9 Dec 2003, 01:55 am »

Quote from: pjchappy

Well, I probably WILL wait to buy the pre-amp. However, as bad as it sounds, this credit card is a lifesaver. . . I will need it for everyday expenses and for (hopefully VERY soon) moving out, etc.

p

Yes wait on the Purist. The Purist is a high-end pre and you need to wait for it. (I am waiting on it until after I get my subs and XO, which I am putting off right now, by choice and because Curt is not done with it yet!) Meanwhile build your own or get a used one if you need one now.

pjchappy · « **Reply #17 on:** 9 Dec 2003, 02:21 am »

I have one. . .just want a new one

p

Carlman · « **Reply #18 on:** 9 Dec 2003, 03:31 am »

As an out of work, hifi enthuiast who's been in and out of credit card debt, I'd highly recommend the transfer, closing the old cards, and working now. Make enough cash to get by and only use the credit if you get into a jam where you will not be able to work. (Car broken, etc.)

I personally never have and never will wait tables but, I've been a meatman, salesman, warehouse guy, stage manager, photographer, computer guy, etc.. whatever it took that seemed mildy interesting in some way.

I think if you try to find something that is slightly related to law, you'd be better off than buying anything. (Unless you're trading your gear) The feeling I'd get from buying new gear would cause grief and work against me finding a job.

If you're selling gear and then using the proceeds for new stuff and have a net zero, then I think it's a good way to stay busy. Just make sure you get the money first. That's what I'm doing now. I'm selling speakers and pre to get new speakers and pre. It's tough to ride the line of 'staying busy' and 'obsessing over something else so I don't have to think about the real problem'.... try not to let that happen.

Best of luck!

-Carl

audiojerry · « **Reply #19 on:** 9 Dec 2003, 06:41 pm »

Is it possible to find some type of volunteer work representing indigent clients doing pro-bono or public defender cases?

of course, you could always fabricate a class action suit against some wealthy corp ala John Grisham