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Amber Rose, Legend Ball, 2005

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perrfectly

you matter.

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logika11y

I SOLVED THE FEZ MYSTERY FROM THAT 70’S SHOW

His origin is…

SABA!  I’ve done a lot of research on this… ITS GOT TO BE THE ISLAND SABA IN THE CARIBBEAN! It’s been occupied by the Dutch and British. The British gave them their freedom, “They’re just mad cuz we won the war!” If the war was freedom then yes, yes they did. He speaks of a population smaller than that of their lizards(geckos) which also checks out! It has all the languages that Fez knows! They speak Spanish and are a tourist attraction which accounts for his knowledge of Latin dancing and Spanish. His “Gibberish” in one episode could be one of the African-Spanish native languages that are found on the island! The west side still contains remains of the English settlement, explaining his friend. I SOLVED IT OKAY!

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thats some cold shit

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The best kind of kisses. 💕

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so cute

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OMG!!!!!

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Period!

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I AM ABSOLUTELY LOSING IT OVER THE FUCKING SONG IN THE BACKGROUDN HOLY FUCK

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A Bug’s Life (1998) dir. John Lasseter

jehovahhthickness

Real life tip/rant: last year, I paid off all of my credit card debt and my credit score JUMPED… I was so happy because I felt like I was making some real strides in my life.

But a few weeks ago, my credit score dropped 30 fucking points.

I was so lost and confused because I don’t owe anybody money and I don’t have a credit card.

Little did I know, that was the problem. If you are not actively building your credit MONTHLY, that shit will dropped.

The second you build any credit history, you need to keep building on it, unless your credit score is 0 (you don’t have to worry about that shit dropping obviously but you should start building credit history, maybe starting with a secured card).

Don’t let this shit happen to you.

jehovahhthickness

One more thing, if you’re poor (like I was for the longest).

Find a bank or credit card company that allows you to have a credit line of no more than 50-200 dollars (idk the minimum amount you can have but the least you have, the better)

Because I maxed out my credit card (I was desperate at the time to pay for tuition) and it took me forever to pay it off because I couldn’t afford to pay it.

You’re only supposed to use 10% of your credit line but you need to pay that off every month because these companies will charge you interest when you pay the minimum balance.

jehovahhthickness

The way I intend on building my credit score is having one secured card (I’ll get one more eventually when I qualify for it) and using it to pay my monthly Netflix, Hulu and Spotify bill.

Which is only $40 a month for all of them and I intend on paying off that amount every single month.

jehovahhthickness

You’re actually supposed to use 30% of your card but make sure you pay it off every month.

10% is way too low but now I know 😇

vexedsolomon-deactivated2018120

ANOTHER POINTER: your credit isn’t reported in real time. Companies send your bill to the credit reporting agencies on/around your billing date, so if you have a balance of $50 and pay it before your billing date, they’ll tell the agencies you don’t owe anything; therefore, there’s nothing to pay off. Building credit is showing you’re trustworthy owing money, so wait to be billed for your balance before paying it off.

jehovahhthickness

Omfg ^^^^^ I didn’t know this!!!!!!!

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Just tryna spread the wealth of knowledge. ALSO, for those just starting to build/rebuild credit and can’t get approved for a regular credit card, you should get a secured credit card. It’s pretty much a credit card that requires a down payment and I use the Capital One Secured Credit Card (not sponsored) and I had to pay $50 (if I remember right) for a down payment and every dollar extra you add, you up your limit, so I paid an extra $25 and my limit was $225 starting. If you show you’re trustworthy with your payments and are active in using it, they’ll up your limit $300.

jehovahhthickness

Update: my credit score jumped by 40 points since I’ve made this post.

Don’t get it twisted. My shit is still trash but I’ll have the perfect score in no time.

This adulting shit ain’t so bad 🤑

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HIT THE 800S, BOO!

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All good stuff to know. Also remember that the only purpose of your credit score/report is to see if you are able to get more credit. Don’t let it stress you, but don’t let it slip you up.

jehovahhthickness

We NEED to encourage our people to have good credit.

Period.

I’m so tired of black folks trying to make it seem like credit is “whatever”.

It’s 2018, being financially illiterate is not the wave.

If you wanna get a house, a car, an apartment or get a loan, your credit needs to look on point.

35-hours

I know it’s confusing, but also remember that the billing date is different from the due date.

It’s a common myth that it’s good to leave a small amount of balance (debt) past the due date. In reality, it’s best to pay off your ENTIRE bill before the due date.

Do not pay off your entire bill before the billing date.

Pay your bill AFTER your billing date, but BEFORE your due date. It’s best to pay in full, but at least make the minimum payment.

jehovahhthickness

They literally recommend that you use at least 30% of your credit line and not everybody is big pimpin and balling enough to pay off their entire bill like you. What I said is pretty spot on and I was able to turn my 510 credit score into 715 within a year lmao

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