Karbear57
Ramblings
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What? OMG - my fanfic website... wahhh! I split up my page a few years ago because it kept crashing. Now I need to transfer the entire this to bravenet - or is there another free web server? This is so uncool!
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Facebook adiction is growing and many friends are popping up on the social network. Anyone do the facebook? Look for Karen Ruth Papp Bertke and I'll pop up
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While discussing the possible financial troubles of Live Journal, I've come up with a poll asking you (or anyone since this will be available to all) about their LJ habit and how the possible disappearance of LJ would impact you. Feel free to post it on your journal or send people to this open entry. Or you know steal the poll questions and add additional questions.
Read more... )
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If you haven't yet, please take my credit score poll. I am targeting 18-28 year olds that do not have much experience with credit and credit scores and consequences.


http://karbear57.livejournal.com/621447.html
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I need to write a paper on credit for one of my classes. Please take a few moments to take the following poll re: credit and credit score. The targeted audience is 18-30 but please feel free to take the poll if you are over 30.

The first question has a mistake: age option 20-30 should be 28-30.

My thesis: Graduating credit savvy students, WSU will be stronger institution. The average debt of a college graduate is $19,000. 76% of undergraduates have credit cards, and carries $2200 in credit card debt. The average graduate student carried $5800 of credit card debt. Of the students with credit cards, about 35% do not pay their bills in full every month. Having credit card debt may affect the students’ ability to pay loans. Also, having large amount of debt will hurt advancement opportunities targeting alumni.

Poll #1290538 Credit Score
Open to: All, detailed results viewable to: All, participants: 17

Your Age

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17-20
1 (5.9%)

21-24
3 (17.6%)

24-27
2 (11.8%)

20-30
5 (29.4%)

Over 30
6 (35.3%)

Residence

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Homeless
0 (0.0%)

Live with parents/guardian
5 (29.4%)

Rent with roommates
3 (17.6%)

Rent alone
4 (23.5%)

Own
5 (29.4%)

I am aware of what a credit score means

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Strongly Disagree
0 (0.0%)

Disagree
0 (0.0%)

Neutral
2 (11.8%)

Agree
9 (52.9%)

Strongly Agree
6 (35.3%)

I know how to access my credit score

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Strongly Disagree
0 (0.0%)

Disagree
3 (17.6%)

Neutral
0 (0.0%)

Agree
7 (41.2%)

Strongly Agree
7 (41.2%)

Accessing my credit score will cost me money

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Strongly Disagree
1 (5.9%)

Disagree
7 (41.2%)

Neutral
3 (17.6%)

Agree
5 (29.4%)

Strongly Agree
1 (5.9%)

Credit scores do not affect anything but your ability to get loans

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Strongly Disagree
6 (35.3%)

Disagree
8 (47.1%)

Neutral
3 (17.6%)

Agree
0 (0.0%)

Strongly Agree
0 (0.0%)

Filing bankruptcy now will not affect my future

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Strongly Disagree
10 (58.8%)

Disagree
6 (35.3%)

Neutral
1 (5.9%)

Agree
0 (0.0%)

Strongly Agree
0 (0.0%)

A good credit score is

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550-619
0 (0.0%)

620-650
2 (11.8%)

660-690
2 (11.8%)

700-740
4 (23.5%)

750-770
9 (52.9%)

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Just deleted the majority of "friends" that haven't posted in over a year. If you have been defriended by accident, please let me know. This is just a maintanance thing - I'd like my "friends" list on the profile to accurately reflect those that are... you know... friends.

If you list me as a friend and I don't - please comment. I probably don't know why we are friends or you have been deleted due to no posting.
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OMG... could it get any more boring? And could Victorya eat more lemons? Talk about hold grudges! I bet if half of them didn't sign the contract with this commitment, they would not have shown up.

I watched Big Brother - Kinda ick. Paaka and Jen knew they were out of there - kind of surprised they got one couple's vote - think. Jen bugs me and I don't know where she got her accent - it isn't a Columbus, Oh accent and definitely not Cleveland accent. She needs to get out of the bar scene before she catches lung cancer. I kinda feel bad for Paaka, but he did cause drama. Calling a house meeting once to clear the air is one thing, but to constantly do it - yikes!

What's her name... the HoH with the dead father Amanda - Ha! Gossiping about people is wrong... even if it is fun and attention getting at first. And telling her to hang herself like her father was WAY over the line. She's a child, houseguests and hasn't learned to keep your eyes and ears open and your mouth closed. She isn't to be trusted and shouldn't be shocked that the houseguests turned on her gossiping ways. I'm sure that wasn't the first time she's heard a desparaging comment about her father.

Joshuah got so angry, he was shaking! Holy Ga'moley! He needed to walk away before he hit her. Why does he hate her so much. Did something else happen to trigger his episode? She wasn't talking about him, was she?

Chelsia and gay!James. The new HoH. Interesting. I wonder if Amanda will be on the chopping block. I also wonder if gay!James has told chelsia he made gay porn for money... and he wasn't just dishing, he was eating, too! Speaking on his penis -which i wasn't, but now I am - beautiful! Even though I wouldn't touch it with ten condoms... it is a gorgeous tool.

Who haven't I hit on? Oh Ryan! Ha-ha. You're going to find out what a bitch Jen was and that she did call you an out-an-out racist. I understand you love her and all - but DAMN!

Hubby is still out for Adam's job. He really, really wants the PR manager fired. I'm not arguing, picking my battles and all. Being in the field that he is in - the comments really hit close to home. I can understand... Adam's job is to raise positive awareness as the PR manager and he has not done that. In fact he has hurt the positive message Autism groups fight to bring to the public. I think Adam's going to be punished enough in the industry for making such an ignorant comment.

I think I've touched on every couple - if not...well... too bad!
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We are all connected to one another through our actions. Each person has the ability to make a difference. This is one of the messages of the Five For Fighting video "World."

Tell the world what kind of world you want and raise money for charity by making and uploading a video of yourself, your friends or your family--whomever and whatever--answering the question, "What Kind Of World Do You Want?"

Or, you can raise money for charities that John Ondrasik of Five For Fighting has personally selected. Watch any clip on this site and money will go to the charity listed with that video. Please see below for the updated list of charities and contributions per views.


watch the video
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new job is slowing down, more time to think and post....

Friend amnesty.... if you want to delete me... do IT now.

Don't clutter my friends list if you aren't interested in me or my posts. I don't comments regularly, sometimes I do pass up your entries and don't read them and i expect you do the same thing.

Don't post something like "comment or feel my wrath" because...ehh, that is not going to make me comment.
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It's official.... this journal is completely Friends Locked and FILTERED.

Comment to be added

*note: no one active is being deleted.
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karbear57
User: [info]karbear57
Name: karbear57
About this journal
Welcome to my journal!

Warning: recent entires are locked and filtered into three categories Writing, Spuffy and Life.

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