derpbeluga

derpbeluga t1_j0md3ln wrote

Reply to Reminder to check credit card statements for suspicious purchases by [deleted]

Credit card fraud and identity theft are different things. Why would you place a fraud alert on your credit report if someone has used your credit card number to purchase something fraudulently? Just call your bank, tell them you didn't buy whatever is on your statement and they will remove the charge and send you a new card.

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derpbeluga t1_iyy7w1t wrote

Reply to comment by rye8901 in Seafood by Clamdiving

I'm not sure how it would be safer if a distributor bought it from the boat, delivered to a retail store, and then I buy it there?

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derpbeluga t1_iyy1xjo wrote

Reply to Seafood by Clamdiving

I'd love to buy directly from the fishermen. How does that work? You just hang out at the dock until a boat shows up, and you ask them?

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derpbeluga t1_iy4tack wrote

Reply to Feeling Superior Because the Heat is Still Off? You Might be a New Englander by wsj

HVAC also dries out the house, which prevents mold. When we were looking for a home to buy last year we found so many houses with mold issues. Some of those houses were pretty much a lost cause. Others would have cost tens of thousands of dollars to get rid of the mold.

I'd rather pay a few hundred a year extra, be comfortable, and not have my house go to shit. The heat has been on since the end of September.

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derpbeluga t1_ivoqnb6 wrote

Reply to comment by Throwaway1231200001 in Republican Allan Fung concedes to Seth Magaziner in Rhode Island's 2nd District by therealDrA

Oh good the know. However, the same thing might be happening. I personally would never reply to a text message asking me about my political views. I would assume it would be similar to one of those fake "Should illegal immigrants receive stimulus checks, vote now" online polls that in reality are just ads to get you to donate money to some political candidate.

Older people might be more inclined to respond.

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derpbeluga t1_ivo5twu wrote

Reply to comment by NitronicFury in Republican Allan Fung concedes to Seth Magaziner in Rhode Island's 2nd District by therealDrA

I wonder if it has anything to do with how these polls are conducted. I don't know a single person under 50 who has a land line or even answers their cell if they get a call from a number they don't recognize. If these polls are done by phone, then it would make sense that mostly republican voters participate.

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derpbeluga t1_ivkmz4z wrote

Reply to Is it possible (or rather, realistic) for a broke 25 year old to (assuming he gets in) attend URI without incurring a single penny of debt? by PinkSwallowLove

Look into going to CCRI for the first two years, and then transferring over to URI. You can get a Pell grant depending on your income/assets. If there is no/low income and no/low assets the max Pell grant is $6,895 for this year. I think that will cover your total cost of attending CCRI.

Then for year 3 and 4 you'll get this Pell grant again, and there might be other grants and scholarships. There are also programs like Work Study.

Talk to the financial aid office and admissions counselors at both CCRI and URI. They can help you. Both are public, not-for-profit institutions.

Also think about what degree you will get. A modest loan might be no problem with a nursing or computer science degree for example, while it will be more problematic to pay back if you choose a less well-paying career path.

Edit: It looks like there is a program where you do year 1 and 2 at CCRI, then transfer to URI and based on your GPA get up to 30% off the URI tuition. (https://web.uri.edu/transfer/joint-admissionccri/)

The current in-state tuition is $15,880 per year, so that could be $11,116. Then you could get the $6,895 Pell grant, so your net tuition is $4,221 per year for the last two years, and free for the first two years.

TLDR: Talk to both CCRI and URI, look into the transfer program, work with the FA office, get a Summer job, and you might be able to pull it off debt free.

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