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chemmastr

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About chemmastr

  • Birthday 07/15/1988

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  • Website URL
    http://www.mychemistryblog.com
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  • Location
    San Francisco
  • Interests
    chemistry and parties!! woot
  1. ocean beach at anytime of the day, and you can watch the giants play at at&t park on sunday.
  2. Highest rates for low risk are going to be in CDs, now usually knowledge seems to be that because you are young, you can afford risk, so you should play the stocks right now that many are "cheap", and will always yield more in the long term.. But if this isn't your lifestyle, and you would rather be safe put your money in CDs.
  3. They aren't allowed to do that anymore. They changed that part of their TOS last year sometime. i swear i saw it, but it doesn't matter. i use pay pal once in a while. something for me to look into though if they changed it.
  4. i fund it with my American Express, but if you do a charge back, paypal will effectively ban you for life.
  5. they advertise using banks, i don't see them going out of business. google is still in business yes? anyways, i'm signed up with them, but to tell you the truth I don't use it that much. maybe I have to much time on my hands, or not enough.
  6. you guys have it easy.... Shell in California Shell 140 Produce Ave, South San Francisco, CA 94080 Regular $4.499
  7. While I may be too narrow, I believe the above is too wide. There are far too many college graduates who have degrees that don't serve them well, working menial jobs wondering where the pot 'o gold they were promised came with the degree has hidden itself. Often with $20-50K or more student loan debt on top of it. I don't see the wisdom in getting a degree in a field that's already saturated or that has few employment openings because you are exactly right about supply and demand. As long as the number of college graduates continues to increase worldwide- and we're in a worldwi
  8. Citi fee's me for 50¢ for writing a check, it doesn't matter though because I write 1-3 checks a month. Usually just rent, or a parking ticket I really like their new billpay interface though, it's so easy and fast. I wonder if I can use it for my rent, because it says send check to individual.
  9. citi likes to give auto cli through the website a lot more than chase.
  10. Should I get a loan, If I don't need it? To build credit worthiness so when I'm done with school I can buy a place? Should be done with school in two years, paying back won't be a problem, just self control on not spending it. Looking at Citifinancial because I can redeem my thankyou points for rebates. Also the FICOs in my sig are pretty old, and don't really reflect my current position in the FICO range. A lot more available credit, knocked off inquiries and age since then. The thing is, in two years my dad wants to help me purchase property and loan officers want to see a lot of payme
  11. Perhaps ask over in the mortgage forum, whether it would be helpful for a future approval? good advise, thnks
  12. Well the FICOs in my sig are pretty old, and don't really reflect my current position in the FICO range. A lot more available credit, knocked off inquiries and age since then. The thing is, in two years my dad want's to help me purchase property and loan officers want to see a lot of payments. I only have 6 Accts right now, and thought that a loan would be good to have. Looks like it might not be if FICO doesn't care, but what about loan officers? If I do get a loan, I wouldn't mind the interest. looking at 5500-10000.
  13. Should I get a loan, If I don't need it? To build credit worthiness so when I'm done with school I can buy a place? Paying back won't be a problem, just self control on not spending it.
  14. I have four to five semesters of school left. I'm not in dire need of a loan now, and/or probably won't need it, but I've been thinking that it would be a good move to maximize my credit worth in the future. As soon as I finish school, my dad wants to help me buy some property. Moreover another benefit of the loan is that i can maximize my thankyou point returns at 100 points per dollar. i.e. 5000 points yields a $50 student loan credit(rebate). Should I, or should I not obtain a loan thru Citifinacial? FYI. My offer letter from school says 5500 total a year of Federal Direct U
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