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hummy
Little birdie ♥
☆ Penpal
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02-06-2018, 10:37 PM
Quote:
Originally Posted by Mimmu
Yes? All the talks about how impossible it is to get a loan or a job, for example, is something I have heard many times.
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is it easy for you to get a loan, Mimmie?
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Mimmu
\ (•◡•) /
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02-06-2018, 10:44 PM
Quote:
Originally Posted by hummy
is it easy for you to get a loan, Mimmie?
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We don't need to have a credit card for that, but it depends. A permanent job is one requirement, but not for student loans (those are easy to get and unfortunately our education system is changing to force to students get a loan) for example. A bigger loan, like house loan, usually requires a guarantee and a guarantor (the bigger the loan, the more you need those). Mom has a house loan with her husband which is something around 120,000€ and the guarantor is her father-in-law (may he rest in peace). I don't remember was the guarantee but I'm pretty sure there is one
a long answer again, sorry!
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hummy
Little birdie ♥
☆ Penpal
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02-06-2018, 10:47 PM
Quote:
Originally Posted by Mimmu
We don't need to have a credit card for that, but it depends. A permanent job is one requirement, but not for student loans (those are easy to get and unfortunately our education system is changing to force to students get a loan) for example. A bigger loan, like house loan, usually requires a guarantee and a guarantor (the bigger the loan, the more you need those). Mom has a house loan with her husband which is something around 120,000€ and the guarantor is her father-in-law (may he rest in peace). I don't remember was the guarantee but I'm pretty sure there is one
a long answer again, sorry!
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I don't mind long answers. I really yenjoy talking with you =3
*I love the 'may he rest in peace* *said it with you* 
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monstahh`
faerie graveyard
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02-06-2018, 10:48 PM
Hm, we have some stuff like that here, in some cases, but not all.
Mostly you need good "credit" and an income of 3-4 times what your monthly payment would be. And a job that you've had for a while.
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hummy
Little birdie ♥
☆ Penpal
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02-06-2018, 10:50 PM
I have to say it is a bit of a 'scam[' for company's to charge
more interest to people who are already having a bad/hard time.
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Amane
(ღ˘⌣˘ư...
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02-06-2018, 10:55 PM
I'm cynical. Everything is terrible and my attempt at adulthood will end with me starving in the streets.
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monstahh`
faerie graveyard
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02-06-2018, 11:01 PM
I agree hummy. If you don't have 'enough' money here, you get both ends of the stick.
Its like you're being punished for not having a 6 figure job.
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hummy
Little birdie ♥
☆ Penpal
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02-06-2018, 11:04 PM
I know, right. you are too poor to even have reasonable car insurance!
it is so ridiculous and upsetting. people don't think about that bias
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Mimmu
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02-06-2018, 11:09 PM
Quote:
Originally Posted by hummy
I don't mind long answers. I really yenjoy talking with you =3
*I love the 'may he rest in peace* *said it with you* 
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You are the most sweetest on this site - you know that, right?
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monstahh`
faerie graveyard
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02-06-2018, 11:10 PM
u__u; I feel kinda bad now that I didn't say something either, but I have issues with death. I'm still sore from losing my brother in 2016.
I'm sorry for your loss though, Mimmu.
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hummy
Little birdie ♥
☆ Penpal
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02-06-2018, 11:15 PM
Quote:
Originally Posted by Mimmu
You are the most sweetest on this site - you know that, right? 
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aw, nah. just know how it feels 
and being genuine sometimes helps.
it's so hard to know what to say to express ones self, faeirie
I always feel I make things worse by saying anything.
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monstahh`
faerie graveyard
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02-06-2018, 11:26 PM
I worry sometimes I'll say the wrong thing too. :(
I do a lot of editing sometimes on what I say. I've become a little more relaxed recently, but that's mostly because I'm starting to feel welcome again? And I have friends who seem genuine...but I've been wrong before. XP
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Amane
(ღ˘⌣˘ư...
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02-06-2018, 11:27 PM
Without an edit button, man, I would quit.
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monstahh`
faerie graveyard
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02-06-2018, 11:29 PM
I mean, I grew up with chats you couldn't edit, so I'm somewhat used to it.
But on the other hand, I had a lot of crappy "friends" then, who would take what I said and use it against me...behind my back. Without ever saying anything directly TO me until they'd told all their friends and their friends would say something shitty to me about it. And I'd be all, "I didn't know it was an issue..."
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Amane
(ღ˘⌣˘ư...
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02-06-2018, 11:33 PM
I can't laugh at my mistakes. Anyone who wishes for a friendship with me has got to understand that.
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monstahh`
faerie graveyard
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02-06-2018, 11:36 PM
I had to learn to laugh at my mistakes to survive.
If I didn't I would have lost my mind a long time ago.
That doesn't mean I don't still get annoyed once in a while.
Like if someone ever says, "That's what she said." to me because I said something that could be seen as sexual and they thought it was worth ruining our friendship, sure.
But I really loathe people who make "TWSS" jokes.
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hummy
Little birdie ♥
☆ Penpal
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02-06-2018, 11:36 PM
Quote:
Originally Posted by monstahh`
I worry sometimes I'll say the wrong thing too. :(
I do a lot of editing sometimes on what I say. I've become a little more relaxed recently, but that's mostly because I'm starting to feel welcome again? And I have friends who seem genuine...but I've been wrong before. XP
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feel free to say whatever you want here.
once hummy is your friend i'm afraid you're stuck for life
I am like gum or dog poop you get on your sneaker...there forevah!
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monstahh`
faerie graveyard
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02-06-2018, 11:37 PM
That's so kind hummy :3 <3
thanks xD
I still try not to swear too much on mene. I have a complete potty mouth IRL!
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hummy
Little birdie ♥
☆ Penpal
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02-06-2018, 11:48 PM
sometimes you just gotta say what you gotta say.
don't worry, I don't think you would offend anyone.
and if you do, say oopsie and continue on
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monstahh`
faerie graveyard
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02-06-2018, 11:52 PM
But I like all of you so much. XD I don't want to be swearing willy-nilly and get someone's panties in a knot. lol
Some people aren't a fan. Which is fine! I should practice not swearing so much anyway. lol
But if a swear is needed, you betcha I'm gonna swear. XP
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Amane
(ღ˘⌣˘ư...
☆
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02-07-2018, 12:04 AM
OH MY GOSH THAT'S WHAT SHE SAID IS SO STUPID IT'S ONE REASON I WANT TO CLAW MY OTHER SISTER'S EYES OUT.
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hummy
Little birdie ♥
☆ Penpal
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02-07-2018, 12:06 AM
lol, knickers in a know ;p
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Ava The Vampire
Spooky Action at a Distance
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02-07-2018, 12:06 AM
I don't usually edit what I say,
I always say what I mean, sometimes, unfortunately it can come out sounding a lot harsher than I intend sometimes.
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monstahh`
faerie graveyard
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02-07-2018, 12:11 AM
Quote:
Originally Posted by Amane
OH MY GOSH THAT'S WHAT SHE SAID IS SO STUPID IT'S ONE REASON I WANT TO CLAW MY OTHER SISTER'S EYES OUT.
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I agree! It infuriates me.
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hummy
Little birdie ♥
☆ Penpal
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02-07-2018, 12:32 AM
You know even if you do edit and try and say things the most appropriate or polite or politically correct way sometimes people just take things wrong. It's very hard to get your point across online. There's no sarcasm there's no tone there's no inflection and that makes it hard to know how someone's meaning something. I try and just correct it if someone takes what I say to offense or to heart as soon as possible.
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