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Old 06-29-2011, 11:21 AM   #13861
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Re: The Longest Thread Ever v28

QUESTION! is it embarrassing to have some one co-sign so you can buy a house at the age of 22?
my twin insists it is, so she'll pay 1500-2000 dollars a month rent to rent a house big enough for her and all her tenants, instead of paying the same or less for a mortgage.
together she and her bf make at least 5000 a month, but Amanda has fucked up her credit so bad that even with her bf making awesome money and fairly good credit she'd still need a co-signer.

so, is it humiliating? she says it is
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Old 06-29-2011, 11:31 AM   #13862
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Re: The Longest Thread Ever v28

I wouldn't be embarrassed if I had to do it because I had no credit at all, but if I had to do it because I fucked up my credit that bad then I would be embarrassed. It's not really a matter of needing a co-signer, it's admitting how poorly I managed my finances
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Old 06-29-2011, 11:49 AM   #13863
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Re: The Longest Thread Ever v28

Mal - Not really, a lot of people want to do a lot of things (usually things that benefit them), but a lot of things deter them from it. Or even on the other hand, things that encourage them to do something because they feel it's "morally right", but is actually the wrong thing to do.

For some people the thought of stealing will never cross their minds, not because they're "morally superior" in any way but simply because the benefit of it is so low compared to the risks that it's simply not worth even considering it.

Sometimes stealing is actually the right thing to do, it might not be often but there are definitely instances, but in some situations where it's right there would be those that don't do it because they deem it morally wrong and they'll usually end up suffering for it.

In quite a few places they don't actually have real cameras due to budget issues, simply fake ones to give the idea that people are being recorded and that if they do something they might get caught (though that's just one factor of it).

Moral behaviour is never absolute and never has been.
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Old 06-29-2011, 11:58 AM   #13864
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Re: The Longest Thread Ever v28

Yes, really. It's called Self-Awareness Theory and states "when we focus our attention on ourselves, we evaluate and compare our current behavior to our internal standards and values. We become self-conscious as objective evaluators of ourselves."

Knowing (or thinking) you're being recorded makes you aware of yourself in this way.
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Old 06-29-2011, 11:58 AM   #13865
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Re: The Longest Thread Ever v28

I don't think it is ever embarrassing to have someone co-sign a mortgage so you can own a house. Houses are bloody expensive and to put any kind of significant down payment in so you aren't paying for the rest of your life, you are going to need someone else, probably, so a co-sign is an easy step further. If you are going to be able to keep up the mortgage payments and never default, it is a safer route. PLUS you are paying to own something rather than just throwing money away while renting a home. In the long run, it makes more sense to pay to own because unless you trash it, you'll get your money back.

What IS embarrassing is messing up your credit. Shits not hard to maintain. If you use credit, make sure you have the money to pay it off or a plan to keep the interest at bay.
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Old 06-29-2011, 01:07 PM   #13866
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Re: The Longest Thread Ever v28

Quote:
Originally Posted by Mal View Post
Yes, really. It's called Self-Awareness Theory and states "when we focus our attention on ourselves, we evaluate and compare our current behavior to our internal standards and values. We become self-conscious as objective evaluators of ourselves."

Knowing (or thinking) you're being recorded makes you aware of yourself in this way.
Yeah I know, I studied self-awareness. But it doesn't change the fact that the camera plays a part in acting as a deterrent for people who want to steal but evaluate the risks as being too high in order to do so and not just as some sort of stimuli for them to evaluate their moral code. Not everyone who wants to steal does so, simply because at times if they're smart enough to evaluate the risks properly... it's not worth it. Granted you get the few who are stupid enough to not understand the risks and go for it anyway. A cost-benefit analysis of sorts.
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Old 06-29-2011, 01:07 PM   #13867
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Re: The Longest Thread Ever v28

Speaking of credit, you guys reminded me to check my credit card balance. OH got mah back.

Edit: And now it's paid off. Cheers.
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Old 06-29-2011, 01:08 PM   #13868
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Re: The Longest Thread Ever v28

Share the wealth LN. We'll buy you games with it. =D
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Old 06-29-2011, 01:10 PM   #13869
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Re: The Longest Thread Ever v28

No. Still no.
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Old 06-29-2011, 01:13 PM   #13870
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Re: The Longest Thread Ever v28

I was gonna buy you Dragon Age 2 on Steam with it, but fiiiiiiine. If you don't want such a fantastic game that's your problem...
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Old 06-29-2011, 01:54 PM   #13871
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Re: The Longest Thread Ever v28

Jesus, I was just reminded of the same thing, paid it off, then looked back at this thread and read LN's post.

OH confirmed for hivemind.
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Old 06-29-2011, 04:51 PM   #13872
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Re: The Longest Thread Ever v28

Quote:
Originally Posted by Axiom View Post
Got booted out of bestbuy this afternoon. Was in the front of the line waiting to be called to the register to make my purchase. I didnt have my wallet with me, just a wad of cash that was laying lose on the dresser, and as I do sometimes, just stuffed it in my front pocket(which I have been chastised multiple times for because of shit like this.) I reached in my pocket to pull forth the money in preparation to make payment, then walked up to he counter when waved over. Noticing that there was a 50 dollar bill missing, and knowing I had it upon entering the store, and not having put my hand in my pockets until that point. I quickly figured when and where I dropped it. Went back to that spot, and asked if anyone saw my bill. Everyone in line was looking around avoiding eye contact, as if they knew exactly who grabbed it..... and got nothing.

I kind of snapped, I called over to the guy in the little security both by the entrance and demanded he pull up the footage of that location so I can see who scooped my money. Was immediately denied, and anger started to well up in me, I was almost radiating heat from my person I was so pissed. Making my way to back to the line, and stopping anyone from proceeding to checkout, I was almost yelling at the other patrons to fess up on who did it. No one spoke up. Since none of these dishonorable cunts had the moral fiber to do the right thing, I then began to run the pockets of people that was behind me in line. It was quite a scene, Im a big dude 6'1 250 lbs, and with obvious fury in my eyes, start patting down perfect strangers.

Anyway yeah, was not long before the police showed up and escorted me out of the building. I know its a lot of hoopla over 50 bucks, but I was more upset that someone would grab and pocket it, more then I was that I actually lost it. This nonsense ontop of a stressful workday.... I just kind of let lose. Got an earful when I got home though, because this is not the first time I had dropped money out of my pocket like this. God I love credit cards.
This is manly. You're a cool dude, Axiom. Fuck yeah.


Agree that most people probably just see cameras and go "ah fuck that, don't want to risk getting caught." Because if you think stealing is bad then you're probably not going to go "Oh hey, I'm taking this. Oh wait, almost forgot I'm a paragon of honor. Fuck that." At least not because they see a camera. They'd likely come to that conclusion once they think about stealing shit, camera or no camera. Like...if a goddamn monster just busted out of the ground and started attacking a schoolbus full of adorable little loli I'd think about getting the fuck outta there, because holy shit a fucking monster, but then I'd realize how goddamn unmanly that would be and heroically battle the beast with my fists to buy time for the adorable loli to escape. I would do that without any need to suspect I'm possibly being watched or whatever.

At work so googling shit would be a pain. I would assume most people in whatever studies support that theory are just saving face by saying they'd do the honorable thing because they are honorable. In reality they're probably just pussies who don't want to risk being seen as someone who is dishonorable. Their honor is likely just for show, they care about being seen as honorable in the eyes of others. Not simply for the sake of being honorable. So technically, they'd be evaluating themselves objectively and whatnot. But they're still unmanly. Either way cameras act as deterrent because most people don't want to be seen as thieves, and no one wants to get caught. I guess that is what the discussion was about. Don't really even remember because some stupid bitch came in and asked me if some collar would fit her cockapoodle, and got all bitchy when I said I dunno. How the fuck would I know? I'm not a fucking dog tailor, lady. I don't have the approximate neck sizes for every goddamn dog breed committed to memory, for fuck's sake. It's your dog, you should know this shit. Fucking retards.
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Old 06-29-2011, 05:06 PM   #13873
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Re: The Longest Thread Ever v28

Paid mine off yesterday.


Quote:
Originally Posted by Demi-God View Post
Yeah I know, I studied self-awareness. But it doesn't change the fact that the camera plays a part in acting as a deterrent for people who want to steal but evaluate the risks as being too high in order to do so and not just as some sort of stimuli for them to evaluate their moral code. Not everyone who wants to steal does so, simply because at times if they're smart enough to evaluate the risks properly... it's not worth it. Granted you get the few who are stupid enough to not understand the risks and go for it anyway. A cost-benefit analysis of sorts.
I would argue that, at least in Canada, the stupid people are the ones who think a camera increases their chances of being caught.

As far as I know, all Canadian retail stores have no one sitting in a room watching the cameras for suspicious people wandering the store. Since that means tapes need to be checked, if anything goes missing you have to 1) notice it's missing, and 2) have a rough idea of when it happened.

Most functional cameras are in place to ensure employee honesty at the tills, since a cashier being short a significant amount of money at the end of the day is noticeable and easy to check. Finding the empty box of something that could have been stolen weeks prior gives you almost nothing to go on, so once an item leaves the store whoever has it is not going to be caught.

I would think anyone stealing things on a regular basis would know this, but you are right in saying some people will reason that stealing anything in front of a camera is risky.
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Old 06-29-2011, 05:39 PM   #13874
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Re: The Longest Thread Ever v28

Yeah most would know that, I've worked with tills before and the security around them can be annoying at times but understandable. But yeah a lot will reason that it's risky.

When I did bar work at Wembley we had to go in and give in all our cash to the manager, hand it in special envelopes, and at the end of the night when they would count the tills for the money they made even though we knew we had done nothing, we felt guilty.

Though they did give out beers and not put them into the system and pocket the money, a lot of the beer spilled or had to be repoured so it wasn't as tightly run as the rest, people mostly had the correct change too and at £4 per beer you could make triple what your shift was worth in the night... I never did that... of course...

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Old 06-29-2011, 05:48 PM   #13875
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Re: The Longest Thread Ever v28

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Originally Posted by Mal View Post
As far as I know, all Canadian retail stores have no one sitting in a room watching the cameras for suspicious people wandering the store. Since that means tapes need to be checked, if anything goes missing you have to 1) notice it's missing, and 2) have a rough idea of when it happened.
The Best Buys I worked at we didn't have a room to watch the cameras, but the guy at the desk had access to all of the camera feeds, including the managers' officer where they counted cash. There is a separate room where the tapes are stored, for when people to steal and it is caught on camera there is evidence of the act. But the only time someone is in there is to either swap tapes, get keys, or get radios.
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