explain brehFinancial analyst....YOU DONT NEED TO KNOW A THING ABOUT FINANCE
Expose truths in your work fields that outsiders don't know about
- Thread starter BLAZO da GAWD
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Damn i thought yall were getting it in with them middle eastern women and shyt.
I already knew nikkas were fukking soldier p*ssy. But I also heard theirs 3's and 4's walking around over there like their 9's and 10's
. No thanks it couldn't possibly be that damn serious.My boy used to be stationed in Japan for 2yrs though and he told me he got Bored of having 3somes in japan.
I just find that extremely hard to believe that you could be tired of having 3somes with Japanese hoes cause you had too many.
From previous noncurrent jobs
Dont ever...ever...ever let a bank tell you no, unless its for a loan. No matter the issue, they CAN escalate it, and you CAN get your way. The bigger the bank, the truer this is.
If someone says theyre going to do something, always ask IF theyre going to pull your credit. Because they are and they probably didnt disclose this to you.
LOL @ how its ALWAYS a great time for you to refinance your house...dont let people fool you
Grocery stores? If you think you left an item at the bottom of your cart, or behind...you did. Its just in my trunk now. Thanks for the case of beer nikka.
Dont ever...ever...ever let a bank tell you no, unless its for a loan. No matter the issue, they CAN escalate it, and you CAN get your way. The bigger the bank, the truer this is.
If someone says theyre going to do something, always ask IF theyre going to pull your credit. Because they are and they probably didnt disclose this to you.
LOL @ how its ALWAYS a great time for you to refinance your house...dont let people fool you
Grocery stores? If you think you left an item at the bottom of your cart, or behind...you did. Its just in my trunk now. Thanks for the case of beer nikka.
Damn i thought yall were getting it in with them middle eastern women and shyt.
I already knew nikkas were fukking soldier p*ssy. But I also heard theirs 3's and 4's walking around over there like their 9's and 10's
My boy used to be stationed in Japan for 2yrs though and he told me he got Bored of having 3somes in japan.
The bodies ain't stacked for shyt bruh
But...um yeah...what branch was that?
I used to work at the arcade inside of Astroworld (Six Flags). I had the keys to ALL of the video games and the change machines. whenever someone said that they put money into the machine and the game didn't start, id go over and open up the machine and start the game for them and rob a stack of dollars from the dollar machine. i wouldn't take it all. i would take about half. and I did this ALL DAY EVERYDAY. i'd even rob the change machine. there were no cameras in there at the time and I was the manager (i was only 17...), so i had the keys. at the end of the week, i would have like $900. my check was $83. i didn't even bother cashing the checks. i literally had all the checks from the summertime in a drawer in my room....
i made a KILLING that summer. Everyone was doing it too. all my friends worked there and we ALL
real good. the year after i quit and went to college, they had cameras EVERYWHERE....
B.....i used to do the same shyt. I worked at a Chuck E Cheese in Delaware back when i was a youngin. nikkas made me the Game Room manager. Why.....i'll never know breh
nikkas gave me a key to all the machines & it took maybe 2 days before I was taking STACKS of tickets & selling them shyts back to parents trying to get their brats some dumb ass toy. My pockets was looking lovely 
The bodies ain't stacked for shyt bruh
But...um yeah...what branch was that?
airforce:D
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i never wanna eat fast food again. fkin lose my appetite reading this thread.
itsyoung!!
Veteran
This is more true buying a new car, and less true buying a used car(the part about no credit being better than old credit).
Bad credit or no credit, you gonna have to put a few stacks down to buy a used car. We was getting motherfukkers approved right outta college that only had student loans on their credit literally (and student loans dont weight that heavy on your credit score compared to other shyt like credit cards, auto loans, other loans, and mortgages) with 0.9% on new cars
with like 2-3k down on a 18-20k car but if they wanted a good interest rate and 2-3k down on a 18-20k used car
banks aint having that shyt. They might take that deal, maybe if its 3k down but they would really like 3-5k down and your interest rate gonna be like 15%
itsyoung!!
Veteran
after my year at honda, I went to work at chase as a banker for 6 months, why you over here telling all these lies and slander? Believe it or not, banks arent out to get you...
This is just fukking dumb period. You have fukked up credit, you come in and apply for a credit card
all I do is fill out the application. Chase or any other banks arent the creditors, they arent one of the 3 credit bureaus. You think they just sitting around on the other side of a wire waiting for applications to come by so they can hit "approve" and "fukk this application" ?? Just like ANYTHING else in world, its based on your past. You aint never pay your student loans on time, you had a credit card 4 years ago that defaulted and you are late every month on your car loan but want a $5,000 limit credit card There is no escalations for credit cards. The only thing thats gonna change is if you didnt get approved for a checking account, and theirs a 0.1% chance a manager might do a manager discretion and approve your checking account. The bank dont want YOU as a customer, because YOU are the same type of customer that hte manager hooks up, then 6 months down the line be all in the occupy wall street movement talking about Chase or Wells Fargo stole all your money, when they aint do shyt, you are just fukking bad with money
I remember I got hired by Chase, here in Richmond California! 15 minutes from Oakland where they was throwing bricks through windows every day to shut down branches (I love how they left this part out of the news though and only show them sitting in tents camp firing and shyt
there was literally a few weekends in a row when every chase branch in Oakland had to shut down because co workers were getting hit and beat up literally and threatened) I went in thinking the worst about banks.. man if a bank fukked you, its cause you fukked yourself. End of story. Banks aint like my other jobs (AT&T, Honda and now Verizon). Banks will fire employees doing foul shyt like this. AT&T and Verizon WILL fire people over foul shyt, but usually its a few write ups down the line. Banks will literally give you your walking papers the next day for setting up accounts wrong or applying people for credit cards without telling them you are pulling their credit. Banks have a horrible reputation right now, you think they gonna let a few employees fukk that up?
This is when I officially knew you were full of shyt. Obama last year passed a program called HARP. If your house was under water you could never refinance and you would be stuck with a higher interest rate and your current loan and possible higher payment. When Obama passed HARP he lightened the rules it took to refinance, so more people could refinance.
For instance a regular refinance, a house has to be 80% loan to value. With HARP it can be 125% loan to value.
The only way to qualify for HARP though, is if its through the same bank. You cant do a HARP loan from Bank of America to Chase. You can do a regular refinance from Bank of America to Chase, but only if you had enough equity in your house (80% loan to value)
This was in 2011. A few months ago, he restructured HARP again, where he removed the 125% and made everyone eligible for HARP regardless of loan to value as long as they havnt been late on any mortgage payments in the past year
(he should get reelected on this alone honestly, saved whoever refinanced literally thousands).But yeah banks telling you can you go from a 8% interest rate to a 4.25% interest, fukk them for that
Bankers and loan officers push refinancing so hard, because this is how they make most of their commission (or in a loan officer case, all their commission). At chase, as a banker, you would get $1 per 1000 funded. So if you refinance a house for $250,000 you got $250 commission, refinance a house for $400,000 thats $400. Loan officers get $4500 per million funded, so if they refinanced 3 million thats $13,500 in 1 month plus their salary (which aint that high as a loan officer)
They changed it right before I left though, that refinancing got you $0.5 instead of $1 per $1,000 refinanced, but instead of $1 per $1,000 funded on a new loan you would get $2 per $1,000 funded on a new loan. So if you were the banker who referred someone to a loan officer and the loan officer closed a deal with the person for $400,000 on a new house you got $800 commission off 1 sale
Banks push refinancing so hard, because theyd rather you go from a 8% loan at 20 years, with a mortgage payment you can barely afford and risk losing you to bankruptcy/foreclosure and keep you as a customer for 30 years at 4.25% or 15 years at 3.5%.
but yeah bruh, dont refinance, keep that high ass payment even though obama tried to save you.
I seen a lot of slander about banks in here before I posted this, had to come in and show some of the truth at least. Banks arent dirty, its the people working in them that are dirty, just like in any other work place. The only difference is unfortunately they can/had fukk up your livelihood. The month before I got to my branch in richmond, they fired the previous loan officer because he was doing bad loans. When the bank caught it, he got fired immediately.
I will not elaborate, but there is not one thing about that company that you school me on.
Not *one* thing.
Especially if you worked for them out of the West Reigon LOL.
Not *one* thing.
Especially if you worked for them out of the West Reigon LOL.
itsyoung!!
Veteran
you mean the parts where you were wrong on every single subject ?
I am simply not wrong on what I said. LOL @ schooling me on harp.