What the Oxford English Dictionary Doesn't Tell You About 안전놀이터

Posted by Dung on June 27th, 2021

Transferring balance from a high interest credit card to a new lower interest card can definitely save you money on interest, if nothing else at least until the introductory rate ends (if applicable). We all receive those infamous credit card offers in the mail, urging us to apply for a new card and transfer our high interest balance over, in order to take advantage of the lower interest rate that this new card has to offer.

This seems like a logical thing to do, right? I mean, lower interest rates on your credit accounts equals more money in your pocket, true? Yes, transferring your credit card balance from a high interest credit account to a lower one is an excellent way to save money on interest, especially if you carry a lot of debt on your credit card(s).

But how does this affect your credit rating and credit score? The answer to that question really depends on your situation, and how you go about it.

A closer look

Lets say you have ,000 in debt on a credit card account from “ABC Credit Services”, which has a total credit line of ,000. For this example, lets just say this is currently your only open credit card account. Since your debt takes up half of your total credit line, this would put your percentage of debt compared to your credit line, for this account, at 50%. We’ll call this your “debt percentage”.

You’re making payments to ABC with no problems and you seem happy with the account and the interest rate. That is, until one day you check your mail, and there it is, a credit card offer from “XYZ Credit Services” with a fixed interest rate set at half of what you’re paying now with ABC! Suddenly dollar signs start popping up in your head, and you start trying to figure out how much money you could save by transferring your ,000 balance to XYZ. You then decide you’re going to apply for the account at XYZ. Your credit is good right? No problem! You receive the card in a week or so, and go ahead with the balance transfer.

So how does this affect my credit score?

How this balance transfer affects your credit rating and credit score really depends on what you do from this point on, and also what your credit line is on your new card from “XYZ”. If your credit line on your new card is lower than that of the original “ABC” credit account, then your “debt percentage” will be higher, which generally will lower your credit score. This would be true if you closed the original account at ABC, and kept your new account as your only open credit card account.

If you’ve had your “ABC” credit card for a while (maybe 2 years or more), and you have a good payment history with them, then it will most likely be in your best interest to keep that account open, even if you don’t use it. Especially if your credit line with your new lower interest card is below ,000. Usually for the sake of your credit score, you don’t want to increase your “debt percentage”, you want to decrease it.

For example, if you keep both accounts open, you will have a total credit line of ,000. With your ,000 in debt on your new card, and your original account at ABC having no balance, your debt percentage would only be 25%, which is a good percentage and your credit score will reflect that.

Now reverse that and say that you closed your credit account from “ABC”, given that your credit line at “XYZ” stays the same, you would have a debt percentage of 50%, which is what you started out with in the beginning. Add to that a newly acquired credit card with little or no payment history on it, and you’re credit score would almost surely decrease, at least until you establish a longer payment history on your new account.

So for this example, it would probably be best to keep both accounts open. Your lower debt percentage could possibly offset the hit your score took from obtaining your new credit card. And looking to the future, it should look better on your credit report this way too.

Avoid increasing your debt percentage

When trying to keep your credit score as high as Question:

Are Narcissists addicted to being famous?

Answer:

You bet. This, by far, is their predominant drive. Being famous encompasses a few important functions: it endows the narcissist with power, provides him with a constant Source of Narcissistic Supply (admiration, adoration, approval, awe), and fulfils important Ego functions.

The image that the narcissist projects is hurled back at him, reflected by those exposed to his celebrity or fame. This way he feels alive, his very existence is affirmed and he acquires a sensation of clear boundaries (where the narcissist ends and the world begins).

There is a set of narcissistic behaviours typical to the pursuit of celebrity. There is almost nothing that the narcissist refrains from doing, almost no borders that he hesitates to cross to achieve renown. To him, there is no such thing as “bad publicity” what matters is to be in the public eye.

Because the narcissist equally enjoys all types of attention and likes as much to be feared as to be loved, for instance he doesn’t mind if what is published about him is wrong (“as long as they spell my name correctly”). The narcissist’s only bad emotional stretches are during periods of lack of attention, publicity, or exposure.

The narcissist then feels empty, hollowed out, negligible, humiliated, wrathful, discriminated against, deprived, neglected, treated unjustly and so on. At first, he tries to obtain attention from ever narrowing groups of reference (“supply scale down”). But the feeling that he is compromising gnaws at his anyhow fragile self-esteem.

Sooner or later, the spring bursts. The narcissist plots, contrives, plans, conspires, thinks, analyses, synthesises and does whatever else is necessary to regain the lost exposure in the public eye. The more he fails to secure the attention of the target group (always the largest) the more daring, eccentric and outlandish he becomes. Firm decision to become known is transformed into resolute action and then to a panicky pattern of attention seeking behaviours.

The narcissist is not really interested in publicity per se. Narcissists are misleading. The narcissist appears to love himself and, really, he abhors himself. Similarly, he appears to be interested in becoming a celebrity and, in reality, he is concerned with the REACTIONS to 메이저사이트 his fame: people watch him, notice him, talk about him, debate his actions therefore he exists.

The narcissist goes around “hunting and collecting” the way the expressions on people’s faces change when they notice him. He places himself at the centre of attention, or even as a figure of controversy. He constantly and recurrently pesters those nearest and dearest to him in a bid to reassure himself that he is not losing his fame, his magic touch, the attention of his social milieu.

Truly, the narcissist is not choosy. If he can become famous as a writer he writes, if as a businessman he conducts business. He switches from one field to the other with ease and without remorse because in all of them he is present without conviction, bar the conviction that he must (and deserves to) get famous.

He grades activities, hobbies and people not according to the pleasure that they give him but according to their utility: can they or can’t they make him known and, if so, to what extent. The narcissist is one-track minded (not to say obsessive). His is a world of black (being unknown and deprived of attention) and white (being famous and celebrated).

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Mistreating Celebrities – An Interview

Granted to Superinteressante Magazine in Brazil

Q. Fame and TV shows about celebrities usually have a huge audience. This is understandable: people like to see other successful people. But why people like to see celebrities being humiliated?

A. As far as their fans are concerned, celebrities fulfil two emotional functions: they provide a mythical narrative (a story that the fan can follow and identify with) and they function as blank screens onto which the fans project their dreams, hopes, fears, plans, values, and desires (wish fulfilment). The slightest deviation from these prescribed roles provokes enormous rage and makes us want to punish (humiliate) the “deviant” celebrities.

But why?

When the human foibles, vulnerabilities, and frailties of a celebrity are revealed, the fan feels humiliated, “cheated”, hopeless, and “empty”. To reassert his self-worth, the fan must establish his or her moral superiority over the erring and “sinful” celebrity. The fan must “teach the celebrity a lesson” and show the celebrity “who’s boss”. It is a primitive defense mechanism – narcissistic grandiosity. It puts the fan on equal footing with the exposed and “naked” celebrity.

Q. This taste for watching a person being humiliated has something to do with the attraction to catastrophes and tragedies?

A. There is always a sadistic pleasure and a morbid fascination in vicarious suffering. Being spared the pains and tribulations others go through makes the observer feel “chosen”, secure, and virtuous. The higher celebrities rise, the harder they fall. There is something gratifying in hubris defied and punished.

Q. Do you believe the audience put themselves in the place of the reporter (when he asks something embarrassing to a celebrity) and become in some way revenged?

A. The reporter “represents” the “bloodthirsty” public. Belittling celebrities or watching their comeuppance is the modern equivalent of the gladiator rink. Gossip used to fulfil the same function and now the mass media broadcast live the slaughtering of fallen gods. There is no question of revenge here – just Schadenfreude, the guilty joy of witnessing your superiors penalized and “cut down to size”.

Q. In your country, who are the celebrities people love to hate?

A. Israelis like to watch politicians and wealthy businessmen reduced, demeaned, and slighted. In Macedonia, where I live, all famous people, regardless of their vocation, are subject to intense, proactive, and destructive envy. This love-hate relationship with their idols, this ambivalence, is attributed by psychodynamic theories of personal development to the child’s emotions towards his parents. Indeed, we transfer and displace many negative emotions we harbor onto celebrities.

Q. I would never dare asking some questions the reporters from Panico ask the celebrities. What are the characteristics of people like these reporters?

A. Sadistic, ambitious, narcissistic, lacking empathy, self-righteous, pathologically and destructively envious, with a fluctuating sense of self-worth (possibly an inferiority complex).

6. Do you believe the actors and reporters want themselves to be as famous as the celebrities they tease? Because I think this is almost happening…

A. The line is very thin. Newsmakers and newsmen and women are celebrities merely because they are public figures and regardless of their true accomplishments. A celebrity is famous for being famous. Of course, such journalists will likely to fall prey to up and coming colleagues in an endless and self-perpetuating food chain…

7. I think that the fan-celebrity relationship gratifies both sides. What are the advantages the fans get and what are the advantages the celebrities get?

A. There is an implicit contract between a celebrity and his fans. The celebrity is obliged to “act the part”, to fulfil the expectations of his admirers, not to deviate from the roles that they impose and he or she accepts. In return the fans shower the celebrity with adulation. They idolize him or her and make him or her feel omnipotent, immortal, “larger than life”, omniscient, superior, and sui generis (unique).

What are the fans getting for their trouble?

Above all, the ability to vicariously share the celebrity’s fabulous (and, usually, partly confabulated) existence. The celebrity becomes their “representative” in fantasyland, their extension and proxy, the reification and embodiment of their deepest desires and most secret and guilty dreams. Many celebrities are also role models or father/mother figures. Celebrities are proof that there is more to life than drab and routine. That beautiful – nay, perfect – people do exist and that they do lead charmed lives. There’s hope yet – this is the celebrity’s message to his fans.

The celebrity’s inevitable downfall and corruption is the modern-day equivalent of the medieval morality play. This trajectory – from rags to riches and fame and back to rags or worse – proves that order and justice do prevail, that hubris invariably gets punished, and that the celebrity is no better, neither is he superior, to his fans.

8. Why are celebrities narcissists? How is this disorder born?

No one knows if pathological narcissism is the outcome of inherited traits, the sad result of abusive and traumatizing upbringing, or the confluence of both. Often, in the same family, with the same set of parents and an identical emotional environment – some siblings grow to be malignant narcissists, while others are perfectly “normal”. Surely, this indicates a genetic predisposition of some people to develop narcissism.

It would seem reasonable to assume – though, at this stage, there is not a shred of proof – that the narcissist is born">안전놀이터 possible, try to avoid doing anything to increase your debt percentage. Even though the amount of debt you are carrying on your “revolving credit” is the same, it will always look better if you’re using 25% of your total credit, compared to using up 50% of it.

But don’t try too hard to decrease it either

Be sure not to take it too far by applying for more credit than you need, just because you think it will help your credit score by having an even lower debt percentage. Obtaining any new credit will generally bring down your credit score slightly, at least for a short period of time. Applying for credit too much and too often will almost always have a negative impact on your credit score, which is exactly what you don’t want. Your time would be better spent on trying to pay down this debt instead.

As with anything, being informed is the key

Balance transfers such as this can and will save you money on interest, if you do it right. Stay informed about how things like this affect your credit, and you should be just fine!