Ventilation...

Alyada said:
I think if she's underage she can.

Are you underage Mish?
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Actually a joint bank account gives both the parent and user access to take out and deposit money. It sounds like the mother is the primary account holder though.
One option is to open up a new account without a parent. Some have a small requirement of depositing twenty-five dollars by a certain time to open the account. The only problems I could see with trying to do that is not reading the fine print when you open one up. Some accounts require for there to have a minimum of one hundred dollars in the account at all times and the other option has no set amount but will kill you in overcharge fees if you happen to write a bad check.

Another downfall is that certain banks will not let you deposit more than one thousand dollars at a time until a certain period passes (6 months). So in the instance you had to deposit more than that, it would probably be a good idea to talk with the financial institution first.

Some other questions to think about:

-Use a local bank or nation/global wide bank?
-Do they have a good reputation in customer service?
-Is the person that helping you open the account giving you time to read the fine print and knowledgeable about the questions you ask them?
-Is the institution an FDIC member? Federal deposit insurance protects the first $100000 of deposits that are payable in the United States (FDIC.gov).
 
I'm gonna go to Lanien's house and see whats going on.

Join me, won't you?
 
Aly, you silly pedo. <3 Nah, I'm over 18...
Gonna do what I can to get my own account and try to get the hell out when I can though, yeah. Think they had a $50 minimum to open the account or something though? I may be thinking of the wrong kindof account though, 4:30am here so I'm sortof out of it...
 
Mishaela said:
Aly, you silly pedo. <3 Nah, I'm over 18...
Gonna do what I can to get my own account and try to get the hell out when I can though, yeah. Think they had a $50 minimum to open the account or something though? I may be thinking of the wrong kindof account though, 4:30am here so I'm sortof out of it...
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There's really only two accounts you could pick between... Savings and Checking. You want checking. If they have different checking accounts it's usually bound by different rules, such as "You must keep a minimum of X bucks in there or eat fees"... banks are evil. You will learn this.

Otherwise, if you have any other questions at all you know how to pester me =p
 
Mishaela said:
Aly, you silly pedo. <3 Nah, I'm over 18...
Gonna do what I can to get my own account and try to get the hell out when I can though, yeah. Think they had a $50 minimum to open the account or something though? I may be thinking of the wrong kindof account though, 4:30am here so I'm sortof out of it...
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Depends on the bank institution you go to what the initial deposit amount is. It never hurts to ask questions.

Apparently you can start an account online too. <_<;; Although I would prefer to go to a place in person.
 
Ranpha said:
Depends on the bank institution you go to what the initial deposit amount is. It never hurts to ask questions.

Apparently you can start an account online too. <_<;; Although I would prefer to go to a place in person.
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I agree with going and handling things in person. Giving my money out over the internet is just asking to be used and abused. lol
 
Alyada said:
I think if she's underage she can.

Are you underage Mish?
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Nice! Very inconspicuous way to rob the cradle, I like your style man. Have you gotten any bites yet?
 
talking terms of cash at your current job, how much do you make monthly?
Take that amount, and write out all your conceivable expenses(things like XI and cellphone bills, a landline phone can be oddballs). go elsewheres on the internets and find a food/budget planner. calculate your rough food expenses, don't plan to east KD for 2/3 meals a day, it gets old fast. try and plan for lots of veggies, lower amounts of fruit(it's very important to keep some in your diet... pricey or not), small amounts of meat/proteins(lots of fish can be good bang for your buck and it's... well almost all fish is good eating, low in fats high in proteins) though that will depend on your level of activity. try and start apartment searching, nothing too conspicuous but you can check your local real estate news(you know that knockoff newspaper that's sitting in a little "free take one!" bin at the local convenience store.) searching online can yeild results. try and place yourself close to a food store. even a seemingly short walk can be very long with heavy grocery bags.

once you've done all of that, can you afford to move out? if no, it's time to weighing other options. can you get more shifts at work? can you get a job with better starting than your current?
Time for the room mates talk. Room mates are a scary concept, it's nice to imagine moving out with close friends or even co-workers. Try going to a local college/university and looking for bulliten boards, it's not uncommon to see someone looking for a room mate. Guys will take a female or male roomy... females will usually ONLY go with other females. you're in luck i think.

All i can really sum it up at now, budget, shop around, keep that phone and knife at the ready. try and use planners/guides on the internet to their fullest, they're written by people who know what they're talking about 9 times out of ten. it'll be a bit odd moving in with people you don't know but... it may be less dangerous than staying with an alcoholic from the internets.
 
I'd suggest a credit union. They usually require something like a $5.00 deposit to open an account and often offer amenities like overdraft protection. They are generally much friendlier than banks also.
 
Special bump for Tim and the few people whom've called "bullshit" on me being stressed.

The guy plans to stay, and is going on streaks in which he drinks ~ten beers on average a day. Due to the lift of the smoking restriction in the house, normally allowing people to only smoke in two rooms of the house (thus allowing them to smoke anywhere), it's become relatively impossible to not be around one of them when they smoke unless I'm downstairs - but, as I'm usually doing chores, cooking, or playing FF during some freetime (my room's TV doesn't have cable nor VCR, and the DVD player has some sanning error and doesn't work well), I'm more or less exposed to smoke most of the day unless I'm in my room reading; doctor's ordered I stay away from the family's smoking whenever possible which is why the restriction was there to begin with. To sum it up, my throat/mouth have become extremely sore and I've had a VERY bad fever.

The house reeks of body odor because he doesn't shower. Ever. He hovers around the house in a bathrobe and underwear, drinking beer an playing Toontown. He calls my mom honey and calls me "sweety". He gets emo over me commenting that he's had 3 beers in thirty minutes. He's nearly broken his computer monitor twice and HAS broken multiple coffee mugs over people sucking at Toontown.

My cousin, a convicted sex offender, is sleeping over here now because of difficulties with where he was staying or some crap...me and my sister are EXTREMELY unhappy about this, but "he's family"...so mom doesn't see the problem...

Probably forgetting something, relatively aggrivated right now. But yes, Tim, I'm very stressed, and I think I have the right to be so. -_-; However, in spite of this crap, I am doing quite well...and I'm especially happy that I have so many people that I can come to if I ever need advice or someone to just chat with or hang out with. Thank you all...

P.S. Tim, you're a galka, so why should I care what you think. ;~;
 
Toontown?

...... Toontown???


1139403790617-1.jpg
 
Wow things just keep getting better for you mish...:( I hope things improve soon. How is the moving out plan going?
 
All this and now toontown...

I am sorry Mish.
 
You've got more patience than I do...

I would have kicked one of my family's ass a long time ago if I had those problems...
 
Mishaela said:
The guy plans to stay, and is going on streaks in which he drinks ~ten beers on average a day. Due to the lift of the smoking restriction in the house, normally allowing people to only smoke in two rooms of the house (thus allowing them to smoke anywhere), it's become relatively impossible to not be around one of them when they smoke unless I'm downstairs - but, as I'm usually doing chores, cooking, or playing FF during some freetime (my room's TV doesn't have cable nor VCR, and the DVD player has some sanning error and doesn't work well), I'm more or less exposed to smoke most of the day unless I'm in my room reading; doctor's ordered I stay away from the family's smoking whenever possible which is why the restriction was there to begin with. To sum it up, my throat/mouth have become extremely sore and I've had a VERY bad fever.

The house reeks of body odor because he doesn't shower. Ever. He hovers around the house in a bathrobe and underwear, drinking beer an playing Toontown. He calls my mom honey and calls me "sweety". He gets emo over me commenting that he's had 3 beers in thirty minutes. He's nearly broken his computer monitor twice and HAS broken multiple coffee mugs over people sucking at Toontown.

My cousin, a convicted sex offender, is sleeping over here now because of difficulties with where he was staying or some crap...me and my sister are EXTREMELY unhappy about this, but "he's family"...so mom doesn't see the problem...
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Bullshit and lies!

Dude, get out of there before you get raped, swallowed into the dude's fat rolls, or killed from cigarette smoke. Every parent/child relationship has to involve family love, but doesn't always involve caring for eachother. This sounds awfully one-sided in that department.

Mighty morph into a butterfly or some shit and get your ass out of there. I don't even like you and I'm worried.
 
Wait, a grown ass man is playing toontown? Thats some fucked up shit yo, seriously that really sucks. What the hell does your mom see in this douche bag? Is he loaded and paying some of the bills or just a big slacker ass d-bag?
 
I'd, you and your sister, leave ASAP. Take all your shit and leave.

If your family doesn't care about your thoughts then leave them in the dust.
 
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