good thing it isn't my job or anything

verdantnurse  asked:

I hope this isn't a Sam Advises, more a "Can Sam just dumb something down for me?" I'm in a very stable job atm and my dad is pushing me to get a credit card 'just in case'. This is so daunting; those things just seem to cause grief imo. I just wondered if you could.. idek. What's an APR? What's a good APR? (apologies if APR is an English term) I don't know if I want one but as a 23 year old with a decent salary and stable job... I could probably get one and not do anything with it. Possibly.

Having a credit card, even if you don’t use it, isn’t an entirely bad idea. There are people who are more well-versed in this than I am, but as far as I understand it, having a credit card regardless of use helps you to build a credit history, which will help you in the future if you want to apply for a loan, mortgage, et cetera.

APR is “annual percentage rate” and it’s the percentage of your balance (how much you owe the card) that they charge you to lend you that money. The higher the APR, the more you pay for the privilege of charging something to your card.

I don’t know what standard APR is right now because a) I have really good credit and b) all my cards are SUPER OLD. (I have three.) I have a 9% APR on my bank credit card, and the other two are 19.9% (which is why I pay them off monthly; they’re both store cards for clothing stores). For someone with no credit history, a 20% to 25% APR is probably normal? Also it is normal for your first year to have a lower “introductory” APR that rises after 12 months – so read the fine print about that.

Of more concern to you, probably, as someone who doesn’t anticipate heavy use on the card, is whether or not it has an annual fee, which is a fee the card charges just for having it, whether you use it or not. You probably want to steer clear of those for now; most of them are for people who either have really awful credit or who want perks you can’t get with a no-fee card. 

Now, point one: ALL OF THE ABOVE might be wrong or a gross generalization because I really know very little about this, so keep an eye on this post for people reblogging with corrections.

Point two: if your dad’s so hot to trot on getting you a credit card, make him help you. Ask him to explain shit and if he can’t, ask him to help you research it. Ask him about his credit history and what kinds of cards he has. (If he can’t or won’t tell you this, then he has no business pressuring you to get one.) Go to your bank where you have your checking/debit account and ask them what their terms would be for opening a credit card. Ask them to explain APR in detail. They want you to get a credit card so they should be happy to answer your questions. If you feel like they’re selling you a raw deal or pressuring you too hard, say “No” and walk away – you pay them for their services, you have zero obligation to do as they tell you.

If you want to build a credit history, once you have your card, charge something occasionally and then pay it off the same month. Buy yourself dinner on the card, pay it off. Buy yourself groceries, pay them off. That proves that you not only are willing to use the money you’ve been offered but you’re responsible in your use of it. As a young person, you should certainly keep an eye on your usage, because a TON of kids in their early twenties get in trouble charging shit to their cards and then being unable to pay for it later. Credit card companies count on this; it means you carry a balance for years and they make a ton of money. So it’s great to be prudent. But a credit card can really be a lifesaver in an emergency, and it’s good to have one to start showing off how responsible you can be with it. :)

emu-on-the-loose  asked:

I think the bush a lot of people are beating around is that, as a public face of Wizards, you have to hype and promote new sets when they're on sale. Even if you do have some concerns, you can't really say anything. Some people, who don't understand the needs of a business, see that as dishonesty, because in theory you could come out and say "This probably ~isn't~ our best expansion yet." But I think you're on solid ground, because you're so candid with us in hindsight. That's a good balance.

Here’s my rule. I never say anything that isn’t true (to the best of my awareness). I will stress the positives of whatever the new thing is because I’m a spokesperson and it is part of my job to get you excited for the newest thing.

Why am I always so excited? Because I worked long and hard to make the product the best it could be and then sat on the information for a minimum of sixteen months. My excitement is very real. It is fun to share cool new things was a dedicated audience.

I do not hype everything equally because there are things I’m honestly more excited about, but I do focus on whatever I think is cool about the current set.

I also try very hard to be critical but only after I have all the data which includes you all playing with it which means I am usually only critical in hindsight. But when I am critical, I am brutally honest, more so than just about anyone in the game industry.

I am allowed to change my mind over time or evolve how I (or R&D) thinks about things. An important part of my job is iteration which means I learn from what I do and adapt. That means what I believe will drift.

Yeah, your news channel isn't biased or anything...

Of all the things to lead with when talking about deinstitutionalization, it was “Hundreds of people lost their jobs because we’re moving developmentally disabled people out of state institutions.”

Honestly?  If the hundreds of people were good at taking care of people in a non-institutional way, there are just as many jobs needed to take care of people in our own homes.  One of the biggest lobbies to keep large institutions open are things like the Union of Psychiatric Technicians and other groups of people who work there.

We don’t have large institutions for DD people in my state anymore at all.  And the local agency that provides my services and the services of most DD people (mostly in our own homes) in the area, employs more people than any other company in town.  So it’s not like there isn’t employment when state institutions go away.

Of course, you do have to look at whether employees of state institutions are capable of taking care of disabled people in a way that doesn’t just replicate institutional power dynamics, before rehiring people for community jobs.  I’ve seen really ugly things happen when institution workers are employed in community programs, with no screening or training to see if they’ll just pull all the same institutional bullcrap they did in institutions.

And I do understand that often state institutions are huge sources of employment.


I can’t ever, ever put the employment of institution workers, over the human rights of people forced to live in disability-segregated environments against our wills.  

Because there is nothing that can justify what is done to people in institutions.  Nothing.

And framing deinstitutionalization as an employment issue is just another way of saying that nondisabled people are the ones who matter, here, and disabled people are just faceless voiceless unpersons who get moved around to suit everyone’s political whims.

There’s a bit of a story behind this one. The other week my mum was organising some boxes and found a whole bunch of odd assorted toy limbs, bits of transformer, that kind of thing. My job was to rescue anything my brothers would actually miss. 

and lo, I found… the Millennium Ring?? A tiny metal Millennium ring. No  one in the house can remember where it came from, whose it is, or why it was in the utility room. No one has been possessed yet, we think.

It’s been hanging out on my desk, so I had some fun with it.