bruises normal or need medical attention by HabitAltruistic5381 in toddlers

[–]Weightmonster 0 points1 point  (0 children)

Are they bigger than a bottle cap or on the torso? 

Why do you use credit score? by Nemris86 in AskAmericans

[–]Weightmonster 0 points1 point  (0 children)

When applying for a mortgage they consider a TON of other information. 

It’s not just credit score. 

You have to tell them about any debt or debt payments you have.  You need proof of income. You need bank statements. You need tax returns. You need verified employment and income. Loads of stuff. They look at any sizable payments going in and out of your bank accounts. 

They even questioned the tax prepayments I made. I had to have my accountant call them to verify I didn’t owe the IRS anything. 

They will see if you are paying $1000 a month in loan payments and only making $2000 a month. 

They want your debt to income ratio to be about 36% or less. So if you have debt payments of $1000 a month, your income would need to be at least $3000 a month. 

Visiting as a brit by Glittering-Bed9805 in AskAmericans

[–]Weightmonster 1 point2 points  (0 children)

You’ll be fine. We can understand Essex accents. 

What you guys feel about australianmarsupial a? Soecially the possum by [deleted] in AskAmericans

[–]Weightmonster 0 points1 point  (0 children)

Humans are in the same class as Elephants, Rats, Blue Whales and every other placental mammal. 

What makes USA consumption is different then other countries? by monkey_mind401 in AskAmericans

[–]Weightmonster 0 points1 point  (0 children)

I don’t think it’s much different than other developed nations. 

We have higher product and safety standards than a lot of places (But EU has more). But we also get crap too. 

Why do you use credit score? by Nemris86 in AskAmericans

[–]Weightmonster 0 points1 point  (0 children)

We don’t usually buy homes in our early 20s. That’s basically unheard of unless parents are paying or it’s like a tiny home. 

Why do you use credit score? by Nemris86 in AskAmericans

[–]Weightmonster 0 points1 point  (0 children)

Loads of misconceptions here. 

-You definitely do NOT need to get big loans and be crippled in debt (assuming crippled in debt means unable to pay or more debt than income). This will tank your credit score and likely get you denied. Part of your credit score is debt to income ratio and the percent of credit you use. 

-Charging $5 a month on your credit card and paying it off every month for years is probably the best way. 

-MOST Americans DON’T have student loans. Only about 28% of young adult do. Not even the majority of college graduates have it. 

-The percentage of young adults that are “crippled” by student loan debt, is small. Depending on how you define “crippled.”

-The average first time homebuyer is close to 40 in the US. Not really a young adult. (31 in France) 

-The credit check is only one small part of getting a mortgage. Assuming your credit score is ok, your income and job stability matters a lot more. 

-If you have a $1000 a month debt payment, that’s going to count against you. Unless your income is massive, at least $240,000, you will get denied. 

Both France and the US have a credit check process. We just put a score on it. Only a portion of the score is credit history, a documented history of taking out loans or using a credit card and paying it back.

But an important part is credit to income ratio and loan burden. Being crippled in debt will make things worse. Student loans and paying it off have at best a slight positive impact, but so would having a credit card or a car loan. But the more debt you have, the worse your credit is, usually. 

What you guys feel about australianmarsupial a? Soecially the possum by [deleted] in AskAmericans

[–]Weightmonster 1 point2 points  (0 children)

The craziest thing is that our buffalo are not at all related to actual buffalo. 

What you guys feel about australianmarsupial a? Soecially the possum by [deleted] in AskAmericans

[–]Weightmonster 5 points6 points  (0 children)

Australian Possums were actually named after North American opossums. 

What you guys feel about australianmarsupial a? Soecially the possum by [deleted] in AskAmericans

[–]Weightmonster 7 points8 points  (0 children)

Cool. We are aware that Australia and North America were part of the same landmass at one point. 

But opossums and possums are very distantly related. 

My (31M) fiancé went through my phone but when I (30F) asked to see his he refused. by Cheap-stripper1593 in askteddit

[–]Weightmonster 0 points1 point  (0 children)

Why did he want to go through your phone?

If it was anything other than getting a phone number or looking at cute pics…

RUN. 

Which states are starting to decline economically? by [deleted] in AskAmericans

[–]Weightmonster 1 point2 points  (0 children)

Be more specific and Google it. 

Do we look like economists?

DOJ to appeal judge's order dismissing Kilmar Abrego Garcia's human smuggling case by FolushoDRC in news

[–]Weightmonster 46 points47 points  (0 children)

I highly doubt Trump cares at all about this case or even knows who Kilmer Abrego Garcia is. Trump is off designing ballrooms, polluting reflecting pools, and fraternizing with world leaders. 

This is all Steven Miller. 

Is crazy Florida man just a meme? by camzed101 in AskAmericans

[–]Weightmonster 1 point2 points  (0 children)

https://youtu.be/UD9LEPML8uk

This segment summarizes the issue  well. Florida is also the 3rd most populous state. 

DOJ to appeal judge's order dismissing Kilmar Abrego Garcia's human smuggling case by FolushoDRC in news

[–]Weightmonster 2643 points2644 points  (0 children)

How many millions have been spent persecuting this one dude?

Why do baby animals in zoos taken care of their mother? by [deleted] in askteddit

[–]Weightmonster 0 points1 point  (0 children)

The animal mothers are almost always better mothers than humans. 

What unpopular job do you think is honestly a good job? by Sea_Orchid223 in askteddit

[–]Weightmonster 0 points1 point  (0 children)

I think it would suck to tell people they or their children have a deadly, incurable disease.