Saturday, October 5, 2013

Firing the fuck you cannon.

You know what I am sick of? Bull shit. If you have ever tried to learn anything and you went to the internet for the information you found bull shit. The internet is a great resource, except the dumb fucks who clog it all up. Every dumb ass with an internet connection has decided to disperse their shit all over the place. I try to learn to better myself and I have to go through an army of dumb asses. If I want to learn about computer programming I have to contend with an army of people who have no business explaining what computer programming even is. They give these pathetic excuses of an explanation of what it is.

You spend all this time trying to understand these morons or you end up going through site after site with crap for information. Then you get angry because here you were trying to be productive and do something with your life and now you have wasted all this time and accomplished nothing but bull shit. So to these people I salute you with a 21 cannon fuck you. May someone in your dumb ass life hit you repeatedly for even being born. And the next time you think about putting your trash on the internet you fall down in pain and agony. Once again, FUCK YOU!

So now I must go back to what I was doing and figure out how to filter the bull shit from the actually good information which is what I am looking for. I hate all you bastards who put this lousy information on the internet that I have to come in contact with. So with that it is my intention to create a web site or search engine or some form of site that allows people to avoid you dumb bastards that are in all the free spots. I will create a place where you have to have a certain level of intelligence to be allowed to enter. I won't let you cheat either you bastards. If you attempt to contact to a search engine for the answers I will shut my program down and make you open it each and every time you try to answer one of the questions. If that doesn't work I will figure out a way to make it hard for you to enter.

If not impossible I will track your history and if you are determined to be the little fuck I think you are, I will ban you from entering my domain. No doubt some of you shit bags will try and hack into my program, I will make it my duty to kick your sorry ass into hell if you try to do that because I hate when people fuck with me. Fuckers.

Life is hard, this sucks, Someone has to pay for my suffering, I don't suffer for free you fuck faces!!!!!!!!

Friday, September 13, 2013

How to get credit when you have none

Welcome cyber travelers! I am your captain for this voyage! My name is Cap'n Dartanian. Welcome, I am delighted you have decided to board my vessel. Aye, you have come from the desert mmmhmm I know. Like water you gotta have it if you want to get anywhere on these high seas! The Royal Navy has no kindness for the likes of you! You're in luck Matey's! I will tell you step by step how to become successful in these shark filled treacherous waters.

So then, you are a sea slug and you can't get any ship to hire ya on. Not to worry after you leave my ship you will be well on your way to better days! All the sea scum that board me ship ask me this'
bbbut Cap'n Dartanian  I aint gots no credit how can I get me some? To these sea dogs I reply, I got the know that ya seek so open your ears and shut yer mouths!

The first ting you need $$$ yar tis be right you need dem Doubloons! yell far your marm for it, serve on a ship for it, server chow for it anythin ya like! Just get it, and don't be sayin bbbbut Cap'n.. If you want butts ya aint in the right place! No excuses!
The vary second ting ya need is a bank account! This is step two.
Yer best bet is dem credit unions, go ta every single bank until you get dem to open you an account. 
Don't be tellin yer Cap'n bbbbut Cap'n I CAN'T get one! Ya Scallywag what do you think ya arrrr in the 16th century! Get with the times and get a bank account!

The third ting be to get is a secured credit card through yer bank
a secured credit card is nothin more than a credit card you are funding with yer own doubloons. Yar can't be expectin some other Buccaneer trust yer sorry behind. So lets be sayin you put down $300-$1000 doubloons. It is very easy to get a secured card because you are borrowin yer own booty!

The fourth ting you need is time give yourself six months of paying on your secured credit card. 
You sour sea dogs better know don't ya dare be late making your payment! And don't you dare max out that charge card! %30 percent of the max. So if you be with a 300 dollar card you best not be usin more than $100 and if you do I will hunt your sorry self down and toss you into the rough seas to meet Davy Jones!



A few tips:
 Don't miss your payment always be on time

Every time you apply for a credit card it is considered a hard inquiry. This will make your points drop on your credit score. You may think it is low, but trust me it can always go lower. 

If you get denied even a lousy credit card a few times that means your credit is in serious trouble. Don't apply for any more cards, go straight to a secured card.

DO apply for more than one secured credit card. You want 3-5 credit accounts open in your name. When it comes time for a creditor to review your credit report it will look good.

This is tested information this is not hear say or theory. My personal story:

I never liked credit. Times got bad the one credit card I had I maxed out and defaulted. I got sick of the rudeness of the collection agency and said forget you people! I went straight down to the bank where I took out the credit card. I had just cashed my check and had hundred dollars bills stacked in my wallet.

I marched into the bank and said I am here to pay a debt. At first the man said he had to get permission to take care of the debt since it was years defaulted. I said, hold on. I have cash right here in the full amount that I owe your bank. You are a bank aren't you? You can take my money! I laugh about that memory now. Needless to say he pulled the strings I handed them the cash (my entire paycheck) and I closed out the account. Let me tell you what a good feeling!

I kept getting declined on every card I tried to get. Even Orchard bank which is known for very high interest wouldn't come near me. I kept applying like to Walmart and places like that, they wouldn't give me the time of day either. Finally I learned the lesson, I went down to my bank and got a $300 secured credit card. They denied me online when I applied! can you believe it I got denied to borrow my own money! So, if you get denied go down to your bank and ask why. Talk to an agent and plead your case.

I spoke with the agent from my bank who approved credit cards, and I assured them I was being responsible. They said OK, Yeah baby Woo! I cheered. No no, that came AFTER I left not at the bank, you think I want them thinking I am three cards short of a deck! Like a good lad, I would pay my card off in full a couple times, made my payments on time when I had a balance. 

Six months later I tried to get an increase on my secured card, I was told sorry you have only us as a creditor. That is when I found out more accounts is better. I did some poking around and found out that Fingerhut was lax about giving credit. I applied for credit there and got approved on the spot for $250!  Prior to that I had received a Capital One credit card offer in the mail. I applied to them with little anticipation, a week later a received an e-mail YOU ARE APPROVED!

Keep in mind everyone, if you have thousands in past debt and are in collections you got to get that debt paid off. Do not even bother trying to get a credit card until you get those debts out of collections, or that massive delinquent debt resolved. Coming into credit I think I had one or two debts in collection which were like 7 years old and they were for paltry amounts. 

This is my story, I know it works because it is what I did for myself.

Thanks for reading everyone and happy credit hunting!

If you would like to contact me my e-mail is:

Ninjight01@yahoo.com


DISCLAIMER: This content is protected and is not authorized to be reproduced in part or whole. I am the only owner of this content.



Wednesday, August 21, 2013

I wish I may I wish might.

Today my heart aches like very other day,
my soul cries a river of tears that never seems to dry up.
I wish I may I wish I might,
have the wish I wish tonight.
As far back as I can remember I have desired my soul mate if such a thing exists.
I don't know how much longer I can hold on.
The fortress walls are crumbling around me.
I doubt whether you exist,
I wish for you every time I think of of my pain.
I have a kind heart, and I look for the other half.
I have been to bars, their hearts are stained with accepted sin.
I have looked online they are insincere.
I have been watchful my whole adult life,
I have not found you.
I search for you every day,
I don't know where you are.
The struggle I know,
you cannot understand.
I fight to keep myself standing,
but the walls around my fortress are crumbling.
Would you say I am less of a man because this war is destroying me?
I am alone,
I have fought my whole adult life.
I am in my late 20's now and the horizon looks bleak.
Not like me, I am always strong and hopeful.
But this war rages on,
I am weakening.
I am still alive,
they tried to snuff me out
But I am still alive.
It is days like these when I look at myself and think"what is wrong with me"
When I am with a woman and I have affection I am comforted.
I am slower to all things,
when single
with no woman to comfort me
an angry violent beast
a recording plays inside my head
Designed to bring destruction
I will smite you all.
Like a time bomb with a self destruct.
It will blast it all away.
Wreck less?
Yes.
Helpful?
No.


Saturday, August 17, 2013

What is HTML? For absolute beginners.

Hello everyone,
This is going to be one of the best blogs I have ever written. I began my quest to learn HTML not long ago and with the help of www.codeacademy.com I learned some important principles. These principles I am going to share with you as I understand them.

So, What is HTML? It stands for Hyper Text Markup Language. You can find this out easily anywhere online. It is good to know if you want to have a technical understanding of HTML.

So, What is Hyper Text Markup Language anyhow? This describes the name of the language in which your web browser "speaks". Try speaking Spanish to an English speaker, how far will you get? Not very far!

A web browser is the program (Firefox, Internet Explorer and Google Chrome) that allows your computer to communicate with the internet. Look at it this way, let us say there is 5 people that want to talk to each other but they all speak different languages..The Frenchman wants to communicate with the Mexican, who in turn wants to communicate with the Japanese man. They need some way to communicate, here enters the translator. The computer wants to communicate with the web. Like anything else, it has to have a means in which to complete this desired function.

All right, so we now know we need to know HTML to communicate to a web browser. It is the language we must learn in order to really get mr browser to do what we want. HTML is a language, therefore it uses elements like the English language. The alphabet, we use letters to form words and words to form sentences which conveys what we want. In the same way the web browser understands HTML, but we use TAGS. Here is an example of a TAG-->     <b>   <---see that b in those brackets? yep that is a TAG.
This tag represents the meaning "hey mr browser I want the following text to be a bold font".
Not so fast there slick, there is more to this!
Just like a sentence we use a period to indicate the statement is complete. In HTML language to end the "statement" we use a closing TAG instead of a period like in the English word. The closing TAG looks like this:
</b>
So, If I wanted to tell the browser to make my text bold I would type:  <b> Make me bold Mr Browser </b>
This is basic HTML.
REMEMBER! There are many HTML TAGS that we use to create a web page. Before you can walk you gotta crawl. It is my belief if you understand the concept of HTML you will learn better and retain more.

I won't add more to this as I don't want to overwhelm you. This is like learning your ABC's I am not going to explain how to spell dog, if you don't even know the alphabet yet.

Now that you are equipped with this knowledge, head on over to www.codeacademy.com they have good tutorials there on coding.