On 6/14/2016 8:04 PM, jmcquown wrote:
>
> This emphasis on "scores" seems to be fairly recent. A decade ago you
> either paid your bills/debts off or at least on time or you got dinged
> for them in late fees. If you had no or bad credit you wouldn't be
> eligible for a card unless it had an exhorbitant interest rate. Couldn't
> get a loan without a co-signer. But no one was tossing these credit
> score numbers around like a football.

I don't recall when the idea of credit scores started either. I was
trying to type out my thoughts one what would make someone think of it
and I had to backspace and just type this instead. lol I know it used
to be a lot of work to clear up little incorrect entries in your history
that maybe doesn't affect it that much, but figured that just couldn't
be it.

--
ღ.¸¸.œ«*¨`*œ¶
Cheryl

On 6/14/2016 8:48 PM, Nancy Young wrote:

> She isn't going to be job hunting at her age, but that's one
> thing in life people will be smart to have a credit history,
> from what I've read. Heck, my niece's boyfriend is entering the
> police academy and he had to print out his credit report and
> furnish his FICO score as a condition of his employment.

That's something I just wondered about so thanks for posting this.
Clearances and job eligibility seem to depend on your credit history for
sure, FICO I guess as well.

--
ღ.¸¸.œ«*¨`*œ¶
Cheryl

On 6/14/2016 6:07 PM, Ed Pawlowski wrote:
> On 6/14/2016 2:30 PM, Nancy Young wrote:

>> Happened to my mother, no one would give her a card, and these
>> days there are things that are just plain easier with one. She's
>> the most credit worthy person and it didn't matter.

> Used to be near impossible for a woman to get a card, even working
> women.

Quite true.

> My wife, who does not work, got an offer in the mail about 15
> years ago so she took it. Although she does not really need a card of
> her own now, you never know what the future holds.

These days, I think if you have a joint card, it reflects on her
credit report while that wasn't always the case. That's why I
got credit cards in my name only, and I still do. I'm old enough
to remember when it was questioned why you'd want a card without
your husband.

It's not some feminism thing, it's being prepared if something
happens.

nancy

Cheri wrote in rec.food.cooking:

>
> "Ophelia" > wrote in message
> ...
> >
> >
> >"Bruce" > wrote in message
> > T...
> > > In article
> > > >,
> > > says...
> > > >
> > > > On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
> > > > >
> >>>> I don't know what my rating is and I have never known! Does
> that make >>>> me a
> >>>> braggart too?
> > > > >
> > > > >
> > > > No, it just makes you stupid as usual.
> > > >
> > > > If you've never worked outside the home at a job then
> > > > you probably don't have beans for credit. Any credit
> > > > worthiness you may have is determined by your husband
> > > > working.
> > >
> > > Nonsense. I've worked all my life and I don't know what my credit
> > > rating is nor do I care.
> > >
> > > You're wrong about who looks stupid.
> >
> > Don't you just love the way her ladyship decides I am stupid... 'as
> > usual'??? I stopped reading her crap ages ago! I got fed up with
> > her pretensions of reading classics rather than discussing food!!!
> >
> > Just for her information, I returned to work as soon as my children
> > were old enough and continued until I retired. I worked for many,
> > many years and have several very good pensions)
> >
> > She is typical of the self-important know it all bitches that
> > infest this group. She looks down on others without even knowing
> > anything about them She is a typical halfwit! Oh look, is
> > that egg I see on her face ...
>
> I don't know why people/morons seem to assume that older women never
> worked outside the home, Hell a lot of us worked outside the home as
> well as doing most of the work at home after work. At least these
> days the husbands, boyfriends etc., are helping out a whole lot as a
> rule with the house and kids.
>
> Cheri

True on the younger ones helping more but plenty of the older
generation men did too. They were however raised where the mother
didnt generally work outside the home and it probably seemed sane to
them to not think too much about how the floors got mopped and such.



--

On 6/14/2016 10:32 PM, cshenk wrote:

>> I don't know why people/morons seem to assume that older women never
>> worked outside the home, Hell a lot of us worked outside the home as
>> well as doing most of the work at home after work. At least these
>> days the husbands, boyfriends etc., are helping out a whole lot as a
>> rule with the house and kids.
>>
>> Cheri
>
> True on the younger ones helping more but plenty of the older
> generation men did too. They were however raised where the mother
> didnt generally work outside the home and it probably seemed sane to
> them to not think too much about how the floors got mopped and such.
>
Of eligible women participating in the workforce, in 1950 it was about
27% while today it is almost 60%

Stay at home moms was quite common when I was a kid, not so much now.
Lots of things have changed, but back then one person could make enough
money in a good job to support a family, buy a modest house, one car.
I'm not sure we progressed when we warehouse kids in day care.

On 6/14/2016 9:09 PM, Ed Pawlowski wrote:
> On 6/14/2016 10:32 PM, cshenk wrote:
>
>>> I don't know why people/morons seem to assume that older women never
>>> worked outside the home, Hell a lot of us worked outside the home as
>>> well as doing most of the work at home after work. At least these
>>> days the husbands, boyfriends etc., are helping out a whole lot as a
>>> rule with the house and kids.
>>>
>>> Cheri
>>
>> True on the younger ones helping more but plenty of the older
>> generation men did too. They were however raised where the mother
>> didnt generally work outside the home and it probably seemed sane to
>> them to not think too much about how the floors got mopped and such.
>>
> Of eligible women participating in the workforce, in 1950 it was about
> 27% while today it is almost 60%
>
> Stay at home moms was quite common when I was a kid, not so much now.
> Lots of things have changed, but back then one person could make enough
> money in a good job to support a family, buy a modest house, one car.
> I'm not sure we progressed when we warehouse kids in day care.
>

a single paycheck managed back then at least in part due to far less taxes.

"Ed Pawlowski" > wrote in message
...
> On 6/14/2016 2:30 PM, Nancy Young wrote:
>> On 6/14/2016 2:20 PM, wrote:
>>> On Tuesday, June 14, 2016 at 6:02:50 AM UTC-5, Julie Bove wrote:
>>>>
>>>> You wouldn't have much credit history then but it likely wouldn't be
>>>> bad.
>>>>
>>> If someone doesn't have much credit history then it is
>>> hard for them to get credit. If nothing shows up on a
>>> credit report they assume you are not credit worthy.
>>
>> Happened to my mother, no one would give her a card, and these
>> days there are things that are just plain easier with one. She's
>> the most credit worthy person and it didn't matter.
>>
>> nancy
>>
>>
>
> Used to be near impossible for a woman to get a card, even working women.
> My wife, who does not work, got an offer in the mail about 15 years ago
> so she took it. Although she does not really need a card of her own now,
> you never know what the future holds.

My mom ran into trouble when my dad died. Apparently she'd never had
anything in her own name. Her name wasn't even on the house.

That won't happen to me. I applied for every credit card I could get when I
got my first full time job. I had a gas card and one for most all of the
stores around here. I never put much on the cards. I think my largest
purchase was $200 and that was for window coverings. I kept a careful ledger
and made sure not to spend more than I could pay off at the end of the
month. I did this for perhaps 6-7 months, then applied for a Visa card. I
did get one but it had a low starting limit. I used that too as well as the
store cards until they raised my credit limit. I also went in to some stores
and asked them to raise my limit, which they did. In those days, most stores
started you at $50 which was usually enough to get you a winter coat or a
good pair of shoes.

After I got my Visa card limit bumped up a few times, I canceled all of my
store cards. I've only gotten one since and that one bit me in the butt. I
was getting Angela a new wardrobe at Kohls and the clerk convinced me to get
the card to get a whopping discount.

From there it was all downhill. I went online and thought I had paid off the
entire amount. I do remember having a lot of trouble doing this but I can't
remember the particulars there. But bottom line, it paid only the minimum
payment, they did not send me another bill either via snail or email.
Because I did not know that there was money owed, I was assessed a late fee.

I only noticed this when I attempted to place an online order. Seems I
needed one log in to shop and a totally different one to access my credit
account. I was unable to log in to the credit account as it said that my
password was wrong as well as the city in which I was born. Never did get
that straightened out. I finally had to call them over the phone, pay off
the bill in full, then wait a full month to cancel the account. The guy on
the phone wouldn't work with me and although he said that he could see what
I did with my log in and birth city, he couldn't help me to get into the
account. Guess I'll never know but it was likely a lower case or upper case
thing or some silly typo.

My mom is now having trouble. Few people will take her checks now. I know
that I mentioned to her that one needs to ask for checks with high starting
numbers. Reason being, most stores will assume that you've had the account
for a long time. She didn't do this and nobody would take them. Not even
stores where she has shopped for years.

She also applied for many store cards to try to build her credit. We are not
sure why she would need to do this though. She is in senior housing and not
likely to be leaving there. She can't drive. And my brother is in charge of
her finances. So now if she wants a big ticket item, she has to go through
him. She is allowed some money for groceries and things but we have reasons
to put someone in charge. Sometimes people reach the stage to where they no
longer made wise decisions.

"Cheryl" > wrote in message
b.com...
> On 6/14/2016 8:48 PM, Nancy Young wrote:
>
>> She isn't going to be job hunting at her age, but that's one
>> thing in life people will be smart to have a credit history,
>> from what I've read. Heck, my niece's boyfriend is entering the
>> police academy and he had to print out his credit report and
>> furnish his FICO score as a condition of his employment.
>
> That's something I just wondered about so thanks for posting this.
> Clearances and job eligibility seem to depend on your credit history for
> sure, FICO I guess as well.

I was notified some months back that Angela and I might have compromised
information due to some government computer being hacked. They accessed the
military dependent's information and we were ripe for identity theft. They
gave us three years of something or other...maybe Lifelock...something like
that.

Now this was very fortuitous for me because some of Angela's I.D. was stolen
not long after we moved in here when our house was robbed. I had tried to
check her credit to see if anything nasty had been done to her but for a
minor, you have to jump through all sorts of hoops and they including
sending a copy of her social security card though the mail. I didn't want to
do this because that was a chance for identity theft.

But... Since we had potentially been violated and the government was paying
for this service for us, no such hoops were needed. And thankfully neither
of us have been compromised.

"Ed Pawlowski" > wrote in message
...
> On 6/14/2016 6:19 PM, Julie Bove wrote:
>>
>
>>>
>>> What you say is true, but Americans are a credit card culture. Maybe
>>> Europeans deal more in cash, they certainly use debit cards more than
>>> we do.
>>
>> I don't believe that is true. My inlaws never had a credit card and paid
>> cash for everything. I have a Visa card but I only use it for
>> emergencies or hotels, since hotels don't want to deal with you
>> otherwise.
>>>
>
> Your in-laws are part of the 29% then, far from the majority
>
> Among the other 2014 findings:
>
> 33 percent had one to two cards.
> 18 percent had three to four cards.
> 9 percent had five to six cards.
> 7 percent had seven or more cards.2
>
>
> Read mo
> http://www.creditcards.com/credit-ca...#ixzz4Baz8UzBU
> Follow us: @CreditCardsCom on Twitter | CreditCards.com on Facebook
> Compare credit cards here - CreditCards.com
>
> Average credit card debt per U.S. adult, excluding zero-balance cards and
> store cards: $5,232.43
> Average debt per credit card that usually carries a balance: $7,494.44
> Average debt per credit card that doesn't usually carry a balance:
> $1,128.44
> Average number of cards held by cardholders, bank cards: 2.24.52
> Average number of cards held by cardholders, store cards: 1.55.52
> Average APR charged on credit cards: 12.10 percent as of Q3 2015 9
> Average APR on credit cards that carry a balance: 13.93 as of Q3 2015.9

I guess we're in the minority then too. Most of the time we have no balance
on our one CC. My car is being financed. Husband's is paid off. Angela paid
cash for hers. We do have a mortgage. That's it.

On Tuesday, June 14, 2016 at 8:31:43 PM UTC-5, Cheri wrote:
>
> Well, **** on you and I hope you rust then.
>
> Cheri
>
>
Hate to dash your hopes but I'm made out of
stainless steel.

"Jeßus" > wrote in message
...
> On Tue, 14 Jun 2016 15:19:20 -0700, "Julie Bove"
> > wrote:
>
>>I don't believe that is true. My inlaws never had a credit card and paid
>>cash for everything.
>
> A debit card is not a credit card. I have a VISA debit card, from
> which I can only spend as much as my account balance allows. I'd be
> surprised if at least some of your inlaws didn't use one.

They didn't because... Back then, those were still pretty uncommon, at least
in the part of PA where they lived. The bank was just down the street from
where my FIL lived. So it was easy to get to and since he owned a business,
they went there daily. I would assume that some of their customers paid in
cash so it is likely that they could have just used that for groceries and
such. Don't quote me on this. I am just surmising. But this is what my SIL
did with her business. She'd get some cash and go shopping.

My FIL died almost 18 years ago. My MIL had been totally disabled and pretty
much housebound for several years before that. Not sure when debit cards
became available where they lived.

I know before I quit my job at K Mart in the mid 90's, debit cards were a
new thing. ATM cards had been around for some time. I only recall two
customers coming in with debit cards and the store would not take them at
the point in time as they were unfamiliar with them.

Angela doesn't have a debit card yet. Only an ATM card. I suspect once she
turns 18, she can get one. We (her parents) will no longer need our names on
her account and she should be able to get a checking account.

"Cheri" > wrote in message
...
>
> > wrote in message
> ...
>> On Tuesday, June 14, 2016 at 3:34:33 PM UTC-5, Ophelia wrote:
>>>
>>> >>
>>> >> On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
>>> >> >
>>> >> > I don't know what my rating is and I have never known! Does that
>>> >> > make
>>> >> > me a
>>> >> > braggart too?
>>> >> >
>>> >> >
>>> >> No, it just makes you stupid as usual.
>>> >>
>>> >> If you've never worked outside the home at a job then
>>> >> you probably don't have beans for credit. Any credit
>>> >> worthiness you may have is determined by your husband
>>> >> working.
>>
>>> Don't you just love the way her ladyship decides I am stupid... 'as
>>> usual'??? I stopped reading her crap ages ago! I got fed up with her
>>> pretensions of reading classics rather than discussing food!!!
>>>
>>> Just for her information, I returned to work as soon as my children were
>>> old
>>> enough and continued until I retired. I worked for many, many years and
>>> have
>>> several *very* good pensions)
>>>
>>> She is typical of the self-important know it all bitches that infest
>>> this
>>> group.
>>> She looks down on others without even knowing anything about them She
>>> is
>>> a typical halfwit! Oh look, is that egg I see on her face ...
>>>
>>>
>> You're the one who jumped in with your silly ass question.
>> Supposedly you have me kill filed but you always seem to
>> jump in the conversations AFTER I've posted, to show us
>> what a high stepping bitch you are.
>>
>> You're the only one I look down on and you're not worth
>> me ****ing on you if you were on fire.
>
> Well, **** on you and I hope you rust then.

I hope so too!

On Tue, 14 Jun 2016 22:10:37 -0700 (PDT), "
> wrote:

>On Tuesday, June 14, 2016 at 8:31:43 PM UTC-5, Cheri wrote:
>>
>> Well, **** on you and I hope you rust then.
>>
>Hate to dash your hopes but I'm made out of
>stainless steel.

<G>

On Tue, 14 Jun 2016 22:10:49 -0700, "Julie Bove"
> wrote:

>
>"Jeßus" > wrote in message
.. .
>> On Tue, 14 Jun 2016 15:19:20 -0700, "Julie Bove"
>> > wrote:
>>
>>>I don't believe that is true. My inlaws never had a credit card and paid
>>>cash for everything.
>>
>> A debit card is not a credit card. I have a VISA debit card, from
>> which I can only spend as much as my account balance allows. I'd be
>> surprised if at least some of your inlaws didn't use one.
>
>They didn't because... Back then, those were still pretty uncommon, at least
>in the part of PA where they lived.

Oh, for some reason I thought your inlaws were in Italy. I know even
just a decade ago the way things worked in the U.S bank accounts,
transferring funds and debit cards was quite different to other
countries. Much less so now.

>The bank was just down the street from
>where my FIL lived. So it was easy to get to and since he owned a business,
>they went there daily. I would assume that some of their customers paid in
>cash so it is likely that they could have just used that for groceries and
>such. Don't quote me on this. I am just surmising. But this is what my SIL
>did with her business. She'd get some cash and go shopping.
>
>My FIL died almost 18 years ago. My MIL had been totally disabled and pretty
>much housebound for several years before that. Not sure when debit cards
>became available where they lived.
>
>I know before I quit my job at K Mart in the mid 90's, debit cards were a
>new thing. ATM cards had been around for some time. I only recall two
>customers coming in with debit cards and the store would not take them at
>the point in time as they were unfamiliar with them.
>
>Angela doesn't have a debit card yet. Only an ATM card. I suspect once she
>turns 18, she can get one. We (her parents) will no longer need our names on
>her account and she should be able to get a checking account.

"Jeßus" > wrote in message
...
> On Tue, 14 Jun 2016 22:10:49 -0700, "Julie Bove"
> > wrote:
>
>>
>>"Jeßus" > wrote in message
. ..
>>> On Tue, 14 Jun 2016 15:19:20 -0700, "Julie Bove"
>>> > wrote:
>>>
>>>>I don't believe that is true. My inlaws never had a credit card and paid
>>>>cash for everything.
>>>
>>> A debit card is not a credit card. I have a VISA debit card, from
>>> which I can only spend as much as my account balance allows. I'd be
>>> surprised if at least some of your inlaws didn't use one.
>>
>>They didn't because... Back then, those were still pretty uncommon, at
>>least
>>in the part of PA where they lived.
>
> Oh, for some reason I thought your inlaws were in Italy. I know even
> just a decade ago the way things worked in the U.S bank accounts,
> transferring funds and debit cards was quite different to other
> countries. Much less so now.

Nope. My MIL did live with relatives in Italy as a young adult. Don't think
my FIL ever went there. Husband has been there though.

> wrote in message
...
> On Tuesday, June 14, 2016 at 8:31:43 PM UTC-5, Cheri wrote:
>>
>> Well, **** on you and I hope you rust then.
>>
>> Cheri
>>
>>
> Hate to dash your hopes but I'm made out of
> stainless steel.

LOL

"Ed Pawlowski" > wrote in message
...
> On 6/14/2016 10:32 PM, cshenk wrote:
>
>>> I don't know why people/morons seem to assume that older women never
>>> worked outside the home, Hell a lot of us worked outside the home as
>>> well as doing most of the work at home after work. At least these
>>> days the husbands, boyfriends etc., are helping out a whole lot as a
>>> rule with the house and kids.
>>>
>>> Cheri
>>
>> True on the younger ones helping more but plenty of the older
>> generation men did too. They were however raised where the mother
>> didnt generally work outside the home and it probably seemed sane to
>> them to not think too much about how the floors got mopped and such.
>>
> Of eligible women participating in the workforce, in 1950 it was about 27%
> while today it is almost 60%
>
> Stay at home moms was quite common when I was a kid, not so much now. Lots
> of things have changed, but back then one person could make enough money
> in a good job to support a family, buy a modest house, one car.
> I'm not sure we progressed when we warehouse kids in day care.

This is one reason why I never went back to work after I had Angela. I had
planned to when she reached about age 2. But then I became sick and too
disabled to do so. I had hopes that the Drs. would be able to help me enough
to get enough better to work, but no. At any rate, I did check into daycare
and it was so costly that it made no sense for me to even attempt to work.
By the time I'd paid off the daycare, I'd be working for peanuts. I reasoned
that it would be better just to be more frugal and careful with my money, so
this is what I did.

Of course, I did miss going to work. I'm a real people person and sitting at
home can get to me after a while. I am now finding more of a sense of
purpose by taking a couple of friends shopping and to appointments and such.
It is hard for me as they are in another city and it is hard for me to drive
there and back, but I figure I can manage it once or twice a week. One has
no car. The other does have a car and had been doing the driving but some
issues have come up that I won't get into here but... Bottom line, she is
not free to use her car any time she might need to use it. So... I
volunteered my services. Saves them from having to take a bus and some
places they need to go are not on bus routes.

"Taxed and Spent" > wrote in message
...
> On 6/14/2016 9:09 PM, Ed Pawlowski wrote:
>> On 6/14/2016 10:32 PM, cshenk wrote:
>>
>>>> I don't know why people/morons seem to assume that older women never
>>>> worked outside the home, Hell a lot of us worked outside the home as
>>>> well as doing most of the work at home after work. At least these
>>>> days the husbands, boyfriends etc., are helping out a whole lot as a
>>>> rule with the house and kids.
>>>>
>>>> Cheri
>>>
>>> True on the younger ones helping more but plenty of the older
>>> generation men did too. They were however raised where the mother
>>> didnt generally work outside the home and it probably seemed sane to
>>> them to not think too much about how the floors got mopped and such.
>>>
>> Of eligible women participating in the workforce, in 1950 it was about
>> 27% while today it is almost 60%
>>
>> Stay at home moms was quite common when I was a kid, not so much now.
>> Lots of things have changed, but back then one person could make enough
>> money in a good job to support a family, buy a modest house, one car.
>> I'm not sure we progressed when we warehouse kids in day care.
>>
>
> a single paycheck managed back then at least in part due to far less
> taxes.

There was also the aspect of women not necessarily wanting to stay home. I
don't know too many who embraced the housewife thing. Some did. Some still
do today. Not me. I am a housewife by default because my disability is such
that I can no longer work. Heck, I can't even do all of the housewifely
stuff because things like mopping and running the vacuum cause me to have a
Fibro flare. But I can cook and at least attempt to find others to do that
which I can not.

What I don't get are those people who don't really raise their own kids. I
can think of a few parents who used the dance studio as a form of baby
sitter. They arranged to have someone else drive their kid there after
school and made it so they were taking classes 5 days a week, sometimes
signing them up for extra classes to keep them occupied. They'd leave them
there with no meals or snacks, to do their homework until one of the parents
or an older sibling decided to come get them, or better still, another
person would drive them home.

I can remember more than one incident where a kid fainted from low blood
sugar because they hadn't eaten since lunch! The studio even made it easy
for those parents who kept making excuses about how they had no money on
them to buy food. They let them have an account where they could put $20 on
the books at a time. Could even use a credit card. They sold a variety of
inexpensive healthy snacks and drinks.

My kid had an account but she rarely bought things so I mentioned some
specific kids to her who always seemed to have nothing to eat and told her
she could buy them something if they needed it. What really got me was that
these parents made far more money than we did. The money and keeping in
their fists seemed more important than their kids. The one mom even said to
me in a laughing fashion that her kids usually didn't even eat dinner
because she didn't start making it until 10:00 p.m. and by then they were
falling asleep. Grrr... One of her kids was one who fainted a lot.

But those poor kids were sooo overbooked. Very large family. Dance was not
their only activity. They took various other lessons, were in clubs, played
musical instruments, were in choir and traveled, trying to get the kids into
various shows. I got the idea that it was not the kid's idea either. It was
all the parents.

> wrote in message
...
> On Tuesday, June 14, 2016 at 8:31:43 PM UTC-5, Cheri wrote:
>>
>> Well, **** on you and I hope you rust then.
>>
>> Cheri
>>
>>
> Hate to dash your hopes but I'm made out of
> stainless steel.

They do make a special kind of cleaner for that. It can get ugly.

"sf" > wrote in message
...
> On Tue, 14 Jun 2016 15:41:59 -0400, Dave Smith
> > wrote:
>
>> On 2016-06-14 2:28 PM, wrote:
>> > On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
>> >>
>> >> I don't know what my rating is and I have never known! Does that make
>> >> me a
>> >> braggart too?
>> >>
>> >>
>> > No, it just makes you stupid as usual.
>>
>> ;-)
>>
>>
>>
>> > If you've never worked outside the home at a job then
>> > you probably don't have beans for credit. Any credit
>> > worthiness you may have is determined by your husband
>> > working.
>>
>> For some reason, it is better to have some debt to get a credit rating.
>> They want to be able to know that you had some debt and paid it off,
>> and that, is better than never having owed.
>>
>
> What you say is true, but Americans are a credit card culture. Maybe
> Europeans deal more in cash, they certainly use debit cards more than
> we do.
>
> For the nasty one obviously doesn't pay attention, Ophelia worked for
> many years at a job that required a specialized education and an
> advanced degree just to be considered.

Thanks sf. Some people judge others by their own situation. I guess we now
know about joannnnnnnn's life.

Incidentally, the only people I ever see talking about credit scores, is
here among Americans. I've never, ever heard a Brit discussing it. I would
be surprised to hear many of ours even know what their score is. Perhaps it
is as you say, we tend not to use credit cards as much as you, and I
certainly have never had any money back for using it.



--
http://www.helpforheroes.org.uk/shop/

"Julie Bove" > wrote in message
...
>
> "Bruce" > wrote in message
> T...
>> In article >,
>> says...
>>>
>>> On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
>>> >
>>> > I don't know what my rating is and I have never known! Does that make
>>> > me a
>>> > braggart too?
>>> >
>>> >
>>> No, it just makes you stupid as usual.
>>>
>>> If you've never worked outside the home at a job then
>>> you probably don't have beans for credit. Any credit
>>> worthiness you may have is determined by your husband
>>> working.
>>
>> Nonsense. I've worked all my life and I don't know what my credit rating
>> is nor do I care.
>>
>> You're wrong about who looks stupid.
>
> If you finance a car or get a mortgage here, you'd know. They send you a
> credit report.

We've never had one. So far as I know we can get one, but we must pay for
it. At any rate, we have never had one sent to us and I have never had any
interest in such a thing. We were never turned down for a mortgage and
usually pay for our cars with debit.

--
http://www.helpforheroes.org.uk/shop/

"Cheri" > wrote in message
...
>
> "Ophelia" > wrote in message
> ...
>>
>>
>> "Bruce" > wrote in message
>> T...
>>> In article >,
>>> says...
>>>>
>>>> On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
>>>> >
>>>> > I don't know what my rating is and I have never known! Does that
>>>> > make
>>>> > me a
>>>> > braggart too?
>>>> >
>>>> >
>>>> No, it just makes you stupid as usual.
>>>>
>>>> If you've never worked outside the home at a job then
>>>> you probably don't have beans for credit. Any credit
>>>> worthiness you may have is determined by your husband
>>>> working.
>>>
>>> Nonsense. I've worked all my life and I don't know what my credit rating
>>> is nor do I care.
>>>
>>> You're wrong about who looks stupid.
>>
>> Don't you just love the way her ladyship decides I am stupid... 'as
>> usual'??? I stopped reading her crap ages ago! I got fed up with her
>> pretensions of reading classics rather than discussing food!!!
>>
>> Just for her information, I returned to work as soon as my children were
>> old
>> enough and continued until I retired. I worked for many, many years and
>> have
>> several *very* good pensions)
>>
>> She is typical of the self-important know it all bitches that infest this
>> group.
>> She looks down on others without even knowing anything about them She
>> is
>> a typical halfwit! Oh look, is that egg I see on her face ...
>
> I don't know why people/morons seem to assume that older women never
> worked outside the home, Hell a lot of us worked outside the home as well
> as doing *most* of the work at home after work. At least these days the
> husbands, boyfriends etc., are helping out a whole lot as a rule with the
> house and kids.

We certainly did! In later years I always had a cleaner but I sure could
have used one in those early days)

--
http://www.helpforheroes.org.uk/shop/

"Cheri" > wrote in message
...
>
> > wrote in message
> ...
>> On Tuesday, June 14, 2016 at 3:34:33 PM UTC-5, Ophelia wrote:
>>>
>>> >>
>>> >> On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
>>> >> >
>>> >> > I don't know what my rating is and I have never known! Does that
>>> >> > make
>>> >> > me a
>>> >> > braggart too?
>>> >> >
>>> >> >
>>> >> No, it just makes you stupid as usual.
>>> >>
>>> >> If you've never worked outside the home at a job then
>>> >> you probably don't have beans for credit. Any credit
>>> >> worthiness you may have is determined by your husband
>>> >> working.
>>
>>> Don't you just love the way her ladyship decides I am stupid... 'as
>>> usual'??? I stopped reading her crap ages ago! I got fed up with her
>>> pretensions of reading classics rather than discussing food!!!
>>>
>>> Just for her information, I returned to work as soon as my children were
>>> old
>>> enough and continued until I retired. I worked for many, many years and
>>> have
>>> several *very* good pensions)
>>>
>>> She is typical of the self-important know it all bitches that infest
>>> this
>>> group.
>>> She looks down on others without even knowing anything about them She
>>> is
>>> a typical halfwit! Oh look, is that egg I see on her face ...
>>>
>>>
>> You're the one who jumped in with your silly ass question.
>> Supposedly you have me kill filed but you always seem to
>> jump in the conversations AFTER I've posted, to show us
>> what a high stepping bitch you are.
>>
>> You're the only one I look down on and you're not worth
>> me ****ing on you if you were on fire.
>
> Well, **** on you and I hope you rust then.

If she was half as bright as she thinks she is, she will have noticed that I
replied to Bruce when he responded to her ... pretty much as I am doing now
after your post...

So, I guess she will be ****ing on herself ... again. So yes, I do have
that foul mouthed pretentious halfwit in my killfile!


--
http://www.helpforheroes.org.uk/shop/

"Cheri" > wrote in message
...
>
> > wrote in message
> ...
>> On Tuesday, June 14, 2016 at 8:31:43 PM UTC-5, Cheri wrote:
>>>
>>> Well, **** on you and I hope you rust then.
>>>
>>> Cheri
>>>
>>>
>> Hate to dash your hopes but I'm made out of
>> stainless steel.
>
> LOL

Which would account for the brain ...



--
http://www.helpforheroes.org.uk/shop/

"Ophelia" > wrote in message
...
>
>
> "sf" > wrote in message
> ...
>> On Tue, 14 Jun 2016 15:41:59 -0400, Dave Smith
>> > wrote:
>>
>>> On 2016-06-14 2:28 PM, wrote:
>>> > On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
>>> >>
>>> >> I don't know what my rating is and I have never known! Does that
>>> >> make
>>> >> me a
>>> >> braggart too?
>>> >>
>>> >>
>>> > No, it just makes you stupid as usual.
>>>
>>> ;-)
>>>
>>>
>>>
>>> > If you've never worked outside the home at a job then
>>> > you probably don't have beans for credit. Any credit
>>> > worthiness you may have is determined by your husband
>>> > working.
>>>
>>> For some reason, it is better to have some debt to get a credit rating.
>>> They want to be able to know that you had some debt and paid it off,
>>> and that, is better than never having owed.
>>>
>>
>> What you say is true, but Americans are a credit card culture. Maybe
>> Europeans deal more in cash, they certainly use debit cards more than
>> we do.
>>
>> For the nasty one obviously doesn't pay attention, Ophelia worked for
>> many years at a job that required a specialized education and an
>> advanced degree just to be considered.
>
> Thanks sf. Some people judge others by their own situation. I guess we
> now
> know about joannnnnnnn's life.
>
> Incidentally, the only people I ever see talking about credit scores, is
> here among Americans. I've never, ever heard a Brit discussing it. I
> would be surprised to hear many of ours even know what their score is.
> Perhaps it is as you say, we tend not to use credit cards as much as you,
> and I certainly have never had any money back for using it.

We are flooded with ads for credit scores.

On 2016-06-14 10:32 PM, cshenk wrote:
> Cheri wrote in rec.food.cooking:
>

>> I don't know why people/morons seem to assume that older women never
>> worked outside the home, Hell a lot of us worked outside the home as
>> well as doing most of the work at home after work. At least these
>> days the husbands, boyfriends etc., are helping out a whole lot as a
>> rule with the house and kids.
>>
>> Cheri
>
> True on the younger ones helping more but plenty of the older
> generation men did too. They were however raised where the mother
> didnt generally work outside the home and it probably seemed sane to
> them to not think too much about how the floors got mopped and such.

I would suggest that some people assume that older women did not work
"outside of the house" because most did not spend their parenting years
in outside employment. They may have worked during the war years while
the men were off to war and they may have worked for a couple years
between school and marriage. Most quit working as soon as they got
married and few women who needed the income enough to work could afford
to hire help.

On Wed, 15 Jun 2016 06:48:44 -0400, Dave Smith
> wrote:

>On 2016-06-14 10:32 PM, cshenk wrote:
>> Cheri wrote in rec.food.cooking:
>>
>
>>> I don't know why people/morons seem to assume that older women never
>>> worked outside the home, Hell a lot of us worked outside the home as
>>> well as doing most of the work at home after work. At least these
>>> days the husbands, boyfriends etc., are helping out a whole lot as a
>>> rule with the house and kids.
>>>
>>> Cheri
>>
>> True on the younger ones helping more but plenty of the older
>> generation men did too. They were however raised where the mother
>> didnt generally work outside the home and it probably seemed sane to
>> them to not think too much about how the floors got mopped and such.
>
>I would suggest that some people assume that older women did not work
>"outside of the house" because most did not spend their parenting years
>in outside employment. They may have worked during the war years while
>the men were off to war and they may have worked for a couple years
>between school and marriage. Most quit working as soon as they got
>married and few women who needed the income enough to work could afford
>to hire help.
>
It's a poor suggestion! I worked with three young children. We
decided to stay in Canada and felt we needed the stability of two
incomes at least while we settled.

It wasn't easy and I agree with Cheri, the brunt of housework,
washing, cooking etc also fell on the women back then.

I can't resist a smile now and then when old men try to chat me up,
it's so hard for them when the wives who did everything die and they
suddenly have to figure out how to shop for groceries, how to cook,
how to run the washer etc etc etc -

On 6/13/2016 10:33 AM, wrote:
> On Monday, June 13, 2016 at 9:42:23 AM UTC-5, Colonel Edmund J. Burke wrote:
>>
>> exemplary credit has its privileges.
>> Discuss...........
>>
>>
> I've got you beat. 823.
>
Congrats. We belong to a club that most folks never see but from the
outside of the front gate.

On 6/15/2016 6:56 AM, wrote:
> On Wed, 15 Jun 2016 06:48:44 -0400, Dave Smith

>>
> It's a poor suggestion! I worked with three young children. We
> decided to stay in Canada and felt we needed the stability of two
> incomes at least while we settled.

Good suggestion from what I've seen. I know many more stay at home moms
than working moms among friends and family from that era.

Of the 50 years we are married, my wife has worked a total of about 12
months. Not a question of right or wrong, just different situations,
different priorities.


>
> I can't resist a smile now and then when old men try to chat me up,
> it's so hard for them when the wives who did everything die and they
> suddenly have to figure out how to shop for groceries, how to cook,
> how to run the washer etc etc etc -
>

I've known people in that situation too. We learned to do those things
when we were kids so it is not a problem now. We made sure our kids were
prepared for life too.

On 6/15/2016 6:56 AM, wrote:

> I can't resist a smile now and then when old men try to chat me up,
> it's so hard for them when the wives who did everything die and they
> suddenly have to figure out how to shop for groceries, how to cook,
> how to run the washer etc etc etc -

I'd say that's a lot better than widows who have never
written a check, don't know where the money is ... or if there
is money. How many times have I heard that.

I'm sure that's not something that happens very often these days.

nancy

In article >, says...
>
> "sf" > wrote in message
> ...
> > On Tue, 14 Jun 2016 15:41:59 -0400, Dave Smith
> > > wrote:
> >
> >> On 2016-06-14 2:28 PM, wrote:
> >> > On Tuesday, June 14, 2016 at 4:03:42 AM UTC-5, Ophelia wrote:
> >> >>
> >> >> I don't know what my rating is and I have never known! Does that make
> >> >> me a
> >> >> braggart too?
> >> >>
> >> >>
> >> > No, it just makes you stupid as usual.
> >>
> >> ;-)
> >>
> >>
> >>
> >> > If you've never worked outside the home at a job then
> >> > you probably don't have beans for credit. Any credit
> >> > worthiness you may have is determined by your husband
> >> > working.
> >>
> >> For some reason, it is better to have some debt to get a credit rating.
> >> They want to be able to know that you had some debt and paid it off,
> >> and that, is better than never having owed.
> >>
> >
> > What you say is true, but Americans are a credit card culture. Maybe
> > Europeans deal more in cash, they certainly use debit cards more than
> > we do.
>
> I don't believe that is true. My inlaws never had a credit card and paid
> cash for everything. I have a Visa card but I only use it for emergencies or
> hotels, since hotels don't want to deal with you otherwise.

So how do you pay for online shopping?

Janet UK

On 2016-06-15, Janet > wrote:

> So how do you pay for online shopping?

Many online vendors allow e-checks. Amazon, fer example.

In fact, my POTS provider jes started charging an extra fee fer CC
payment, yet payment by e-check is still free. No doubt cuz the CC
company charges the provider a fee.

nb

Nancy Young wrote:
>
> On 6/15/2016 6:56 AM, wrote:
>
> > I can't resist a smile now and then when old men try to chat me up,
> > it's so hard for them when the wives who did everything die and they
> > suddenly have to figure out how to shop for groceries, how to cook,
> > how to run the washer etc etc etc -
>
> I'd say that's a lot better than widows who have never
> written a check, don't know where the money is ... or if there
> is money. How many times have I heard that.
>
> I'm sure that's not something that happens very often these days.

It does with the older folks that have been married forever.
It goes both ways too... women and men often feel helpless
when their lifelong mate dies.

In article >,
says...

> Though a few here take pride in not caring what your score is, it does
> make a difference if you borrow money.

We don't; and haven't for at least 30 years. (No loans, no debts, no
interest payments, we pay no credit card charges, no bank charges). We
don't need to know our credit ratings so we've never looked.

Presumably insurers do, but the real reason they compete for our
business with ever-lower premiums, is our even longer no-claims history
and the fact we live in a very low-crime location.


Janet UK

In article >,
says...
>
> On 6/14/2016 10:32 PM, cshenk wrote:
>
> >> I don't know why people/morons seem to assume that older women never
> >> worked outside the home, Hell a lot of us worked outside the home as
> >> well as doing most of the work at home after work. At least these
> >> days the husbands, boyfriends etc., are helping out a whole lot as a
> >> rule with the house and kids.
> >>
> >> Cheri
> >
> > True on the younger ones helping more but plenty of the older
> > generation men did too. They were however raised where the mother
> > didnt generally work outside the home and it probably seemed sane to
> > them to not think too much about how the floors got mopped and such.
> >
> Of eligible women participating in the workforce, in 1950 it was about
> 27% while today it is almost 60%

In Britain 67 % of women aged 16 to 60, are in work. Women make up
47% of the UK workforce

Janet UK

On 6/15/2016 12:39 PM, Gary wrote:
> Nancy Young wrote:

>> I'd say that's a lot better than widows who have never
>> written a check, don't know where the money is ... or if there
>> is money. How many times have I heard that.
>>
>> I'm sure that's not something that happens very often these days.
>
> It does with the older folks that have been married forever.
> It goes both ways too... women and men often feel helpless
> when their lifelong mate dies.

I could be wrong, but I feel like we're aging out of the generation
of women who are really that helpless, as far as traditional roles
go. Of course there are still men who can't open a can of soup and
women who don't know anything that's going on with the finances, but
I really don't think that's as common as it once was.

nancy

On 2016-06-15 6:56 AM, wrote:
> On Wed, 15 Jun 2016 06:48:44 -0400, Dave Smith
> > wrote:
>
>> On 2016-06-14 10:32 PM, cshenk wrote:
>>> Cheri wrote in rec.food.cooking:
>>>
>>
>>>> I don't know why people/morons seem to assume that older women never
>>>> worked outside the home, Hell a lot of us worked outside the home as
>>>> well as doing most of the work at home after work. At least these
>>>> days the husbands, boyfriends etc., are helping out a whole lot as a
>>>> rule with the house and kids.
>>>>
>>>> Cheri
>>>
>>> True on the younger ones helping more but plenty of the older
>>> generation men did too. They were however raised where the mother
>>> didnt generally work outside the home and it probably seemed sane to
>>> them to not think too much about how the floors got mopped and such.
>>
>> I would suggest that some people assume that older women did not work
>> "outside of the house" because most did not spend their parenting years
>> in outside employment. They may have worked during the war years while
>> the men were off to war and they may have worked for a couple years
>> between school and marriage. Most quit working as soon as they got
>> married and few women who needed the income enough to work could afford
>> to hire help.
>>
> It's a poor suggestion! I worked with three young children. We
> decided to stay in Canada and felt we needed the stability of two
> incomes at least while we settled.

No. It was a good suggestion because I was referring to a significant
portion of the population, not to your personal situation. I grew up in
a small subdivision of family homes and since I had several paper routes
over the years, I knew them all. There were more than 30 families with
school age kids in that neighbourhood and only one of the mothers worked
"outside of the home" on a regular basis. My mother occasionally picked
up some seasonal work to earn money for Christmas and to send us to camp.

It was a point of pride for men to be able to support a family. It was a
point of pride for women to have married a man who could support her and
a family.

You personal circumstances were a minority, perhaps more typical of an
immigrant family trying to make a start in a new country.


>
> It wasn't easy and I agree with Cheri, the brunt of housework,
> washing, cooking etc also fell on the women back then.


Yes it did. The men went out to work to earn money to support the home
and the women were house keepers. They did the cooking, the cleaning,
the laundry, the ironing etc.. It was also a lot more work than it is
now because they didn't have all the great appliances they have now.
Look at laundry for instance.Toss the dirty laundry into the machine,
add the detergent and press a button. Come back in an hour. When I was
a kid, a washing machine was an appliance with a wicked looking agitator
and a finger crushing wringer. You pretty well had to stand there and
run it for an hour to do a load of laundry.





> I can't resist a smile now and then when old men try to chat me up,
> it's so hard for them when the wives who did everything die and they
> suddenly have to figure out how to shop for groceries, how to cook,
> how to run the washer etc etc etc -

Meanwhile, the other old ladies are chatting up old men to fix their
appliances, mow their lawn, trim their hedges, paint their houses.

On 2016-06-15 2:02 PM, Janet wrote:
> In article >,
> says...
>>
>> On 6/14/2016 10:32 PM, cshenk wrote:
>>
>>>> I don't know why people/morons seem to assume that older women never
>>>> worked outside the home, Hell a lot of us worked outside the home as
>>>> well as doing most of the work at home after work. At least these
>>>> days the husbands, boyfriends etc., are helping out a whole lot as a
>>>> rule with the house and kids.
>>>>
>>>> Cheri
>>>
>>> True on the younger ones helping more but plenty of the older
>>> generation men did too. They were however raised where the mother
>>> didnt generally work outside the home and it probably seemed sane to
>>> them to not think too much about how the floors got mopped and such.
>>>
>> Of eligible women participating in the workforce, in 1950 it was about
>> 27% while today it is almost 60%
>
> In Britain 67 % of women aged 16 to 60, are in work. Women make up
> 47% of the UK workforce
>
>
According to Statistics Canada, roughly 25% of women aged 25-54 were in
the workforce and now the number is a little more than 80%. Over the
same period of time men have dropped from about 98% to 90%

http://www.statcan.gc.ca/pub/11-630-...015009-eng.htm

On 15/06/2016 12:37 PM, Dave Smith wrote:

> Meanwhile, the other old ladies are chatting up old men to fix their
> appliances, mow their lawn, trim their hedges, paint their houses.
>
Actually no! From my experience looking at dating sites on the web,
women seniors are looking for younger men. I've seen some from women
in their late 60s looking for men as young as 45!!!! Paint their houses?
Hmmmmmmm:-)

On Wednesday, June 15, 2016 at 1:17:37 AM UTC-5, Cheri wrote:
>
> > wrote in message:
>
> > On Tuesday, June 14, 2016 at 8:31:43 PM UTC-5, Cheri wrote:
> >>
> >> Well, **** on you and I hope you rust then.
> >>
> >> Cheri
> >>
> >>
> > Hate to dash your hopes but I'm made out of
> > stainless steel.
>
> LOL
>
>
;-)