After that she decided to include "rainbow message" as part of her channel and I stopped supporting and unsubscribed.
She is, but I believe her reasoning is basically better the devil you know in Philly.
Unfortunately this thinking has her trapped in Philly.
After that she decided to include "rainbow message" as part of her channel and I stopped supporting and unsubscribed.That says more about you than her...
Speaking of rentals in Philly, there's a channel on youtube, 'Airbnb Automated' where Sean explains how to do rental arbitrage: rent homes and then host them as STRs (short term rentals). Sounds like he has lots of places in Philly and is considering getting out of some. Maybe he can help Fran find something, maybe in return for Fran making him some security devices.
In this video, Sean mentions regulations in Philly are changing on Apr 1, 2022. That may make it harder to host STRs which could bring some extra long term rentals to the market soon.
I've sent that to Fran.
Myself and most of my friends live out in the sticks, we'd all welcome her.
There's another example where rules vary a bit globally--and even from state to state in the US. All of that would be incorrect in a US context. High but unused credit lines are almost always a help, not a hindrance in obtaining credit.The thing is they will usually refuse to acknowledge that you have a long track history of paying off the credit card on time every month. You are actually better off having a debit card. And in fact we have just ditched our credit card in favour of a debit card for this very reason, it's one less thing they can hold against you when you apply for a loan.
No, I lived in the US for many years, having credit & using it to maintain a credit history was vital to getting a loan, renting an apartment, or buying a house.
In the case of a debit card, your bank account could be empty (or overdrawn) immediately, which is a much more serious issue and potentially a lot more hassle to deal with.No. There are daily withdrawal limits you can set to minimize the damage. Many banks have quite low defaults so the damage is minimal. On top of that, unintentional withdrawels by criminals are covered by the banks.
Over here most regular shops don't even accept credit cards. Credit card companies do charge a high commision which in the end needs to be paid somehow by the consumers.
In the case of a debit card, your bank account could be empty (or overdrawn) immediately, which is a much more serious issue and potentially a lot more hassle to deal with.No. There are daily withdrawal limits you can set to minimize the damage. Many banks have quite low defaults so the damage is minimal. On top of that, unintentional withdrawels by criminals are covered by the banks.
I should check with my credit union to see what kind of limits they put on debit card usage. But the Bad Guy won't try to charge $5,000 worth of stuff on a debit card. They'll do hundreds of dollars at different merchants, all of which are under any "limit" but aggregate to wiping out your account balance before the bank catches up.
But that said, banks are getting good at catching fraud and they'll usually halt "strange" charges.QuoteOver here most regular shops don't even accept credit cards. Credit card companies do charge a high commision which in the end needs to be paid somehow by the consumers.
Yes, the swipe fees ultimately get paid for by the consumer in the form of higher prices, but the reality is that at last here in the US the tide has shifted well in favor of electronic payments over cash. Any business that wants to do cash only won't stay in business for very long. Maybe bars and restaurants but other than that, forget it. Hell, a friend and I had lunch at one of the great local joints last week, first time since COVID, and I went to the cash machine because that restaurant was cash-only. I was surprised to see that they accepted credit cards and Apple Pay.
I'm not at all in favor of the trend to no-cash businesses because too many people do not have credit cards.
Black Sheep is correct. I'm in the US. The whole credit-rating thing is completely weird and non-obvious. Having a large amount of "available credit" is considered a Good Thing by the data-miners like TransUnion. They like when you have "long term credit." That is: a credit card you got 20 years ago and you pay in full each month is excellent.
They don't like high usage-to-available-credit ratios. That is: if you have $10,000 available credit and you carry a balance of $5,000 a month, that's bad -- even if you pay the balance in full every month and never incur interest charges.
The hilarious thing is that it's actually quite easily for an adult to have $50,000 or more in available credit-card credit. If you carry a $5,000 monthly balance and pay it in full each month, then your usage ratio is low even though the balance might seem high and they like that.
I don't even know what my credit limit is anymore, they kept raising it despite the fact that I never hit it and never asked for it to be raised, I stopped paying attention when it got to $15k. I've never charged more than $4500 and I paid that off in full the same month.
While I understand her reasoning and agree that country or small town is probably a bad option, I don't think what she wants really exists anymore. There are other cheap (relatively speaking these days) LGBT friendly cities, but that sort of big cheap residential rental property she's after (if I'm understanding correctly) just isn't around anymore. Even Detroit and outlying cheap friendly areas (Ferndale comes to mind) are getting expensive, rebuilt/remodeled, and gentrified in a hurry, and has been for a decade.
You're exactly the type of customer the credit card company hates.
Well... I was a frequent supporter for Dave too but after he stated I must be stupid bringing facts on the table, I stopped that too...
Within the constraints set the possible options I see are come up with a massive amount of money out of thin air, or find some other affordable place to rent again and get evicted again in a year or two when the building is sold to redevelop.
2018 GoFundMe raised $44K and then the recent Zero-G $12K so it might be possible to survive based on GoFundMe's but it really doesn't look sustainable.
However FranLab YT channel subscribership has doubled in the last few years so there are the same number of new supporters as old ones...
So maybe another GoFundMe would work.
I would recommend selling stuff to raise some cash... there must be lots of interesting bits of stuff that could be flogged off to raise cash... and you cannot take it with you.
As many businesses are looking at downsizing their property due to making at least some work-at-home permanent, an option may be to find a friendly local business that is prepared to sub-let some of their space.
Well... I was a frequent supporter for Dave too but after he stated I must be stupid bringing facts on the table, I stopped that too...
Care to elaborate?
I don't even know what my credit limit is anymore, they kept raising it despite the fact that I never hit it and never asked for it to be raised, I stopped paying attention when it got to $15k. I've never charged more than $4500 and I paid that off in full the same month.You're exactly the type of customer the credit card company hates.