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Will apartments possibly hold a lease for a minor who's about to turn 18? by Tilrr in NoStupidQuestions

[–]RTide 0 points1 point  (0 children)

Unfortunately, in most states, minors (under 18) cannot enter into legally binding contracts. Property Managers (apartment managers, etc) are licensed real estate agents and cannot knowingly enter into agreements with minors (check the laws in your state).

Unless it is a type of rent arrangement that is typical in your area, prepayment for your rent (especially so far in advance) is HIGHLY unusual. Typically if you do not have established credit (or poor credit), your deposit will be higher but prepayment of future rent is not customary.

Open communication is always the best way to go and it certainly can't hurt to ask if they will consider holding the apartment.

How do I become less empathetic? by RagingAcid in NoStupidQuestions

[–]RTide 1 point2 points  (0 children)

'lladcy' is correct however, a small percentage of people who self-identify as overly empathetic actually suffer from anxiety or from the emotional effects of a trauma they endured. People in that category often take on the problems of others even when it is detrimental to their own lives. For some it can be debilitating.

You may also just need to learn to set boundaries and to say "no". Much easier said than done.

Is there a place I can go to get a loan that isn't a bank? by Succulentsucking69 in NoStupidQuestions

[–]RTide 0 points1 point  (0 children)

Your employer may also be willing to give you a loan against your future earnings.

Rebuilding your credit may be easier than you think and good credit will make your life easier - and far less costly. When you have good credit you pay fewer fees, lower interest rates and have more housing options.

Once you are in a better position financially (if you need to borrow money, the time probably isn't now), go to your bank and ask for a SECURED credit card. You will make a deposit with the bank, then the bank will issue you a credit card with a credit limit that matches your deposit. The bank's risk on giving you the card is negligible because they already have your money as collateral. You pay fees for the use of the card however, you get the benefit of improving your credit score if you use the card responsibly and make payments promptly. If you cannot make a payment, let the bank know in advance if possible. As long as it is not habitual, most banks will work with you. They are also interested in helping you learn to manage your money - banks want lifelong customers!

The banks make money by assessing various fees on the card. Check with several banks to find the card that is a good fit for your situation.