fandomhigh | Maths For Real Life, Period 1, Class 12 [3/31]

Today the words 'Credit: Don't Do It' were written large on the blackboard, and Jean-Paul looked very serious. "It is time for the cautionary portion of our class. Some of you may already have credit cards. Likely they were provided to you by a parent or guardian, who will kill you if you go over the limit, so that is all right. If you do not, well. After graduating from high school, especially if you go to college, you will be inundated by credit card offers. Do not do it. You will get in over your head and be attempting to pay it off and scrape your credit score off the pavement for years. Believe me on this; it has happened to better eighteen-year-olds than you.

"Now, credit is simply putting off paying for something until later. With credit cards, the company pays the store, then you must pay off the credit company--with interest. Sometimes with quite a bit of interest. Your credit score is a number compiled by a few different concerns, meant to show the likelihood you will default on a loan or declare bankruptcy. Higher is better. If you do stupid things with money--which you will, but hopefully not too many--your credit score goes down, and you cannot obtain credit. This means you may not be able to get a new credit card, or buy a car, or even a home.

"However, there are times when credit is appropriate. When one is buying a home, they take out a mortgage--more on that next week. That is credit. There are also loans to buy cars, and loans to go to school. And you may have actual emergency expenses you simply cannot afford to pay for at the present time. Then using a credit card is fine. Using a credit card is also fine when you know you will have enough money to pay it off when the bill comes due. Just...be careful, and use your own good judgement." If they had any. Jean-Paul was sometimes doubtful.

Then he smiled and held up a stack of papers. "Your assignment for today is to destroy these credit card applications, in hopes the lesson will stick. You should always destroy any credit card offers you receive that you are not going to use, lest someone else steal your identity and undo all your good work toward building your credit. You may use any method you feel is appropriate. Begin."

Flat | Top-Level Comments Only

Collapsingly

Liir Thropp

Michael Guerin

Jeff Murdock

Robin

Adah Price

Amano Makoto

Harry Dresden

Cedric Diggory

Troy Bolton

Take notes, doodle, etc.

Liir listened intently.

It all sounded a ghastly business, as far as he was concerned.

Michael was listening, though he knew for a fact his address didn't have a great credit rating.

Adah was listening, but only with one ear, as it would seem. She took notes, but her attention was divided. After the weekend, being transported back to a time when moving was even more difficult for her than it was presently, was still surreal in her head, and the simple, easy, mindless processes that her hand went through to do something like writing was a little fascinating. She'd forgotten how hard it had once been, and now it was back to simple, and this was much more interesting that credit rates.

A shredder and some scissors have been provided, but beyond that you're going to have to get creative.

Liir raised a hand.

...yeah, we're back to this again.

"Yes, Liir?" Jean-Paul asked.

"Is there any way to reuse the paper? It seems like a terrible waste."

He looked down at the stack.

"To be honest, before I was here, so much paper would have been considered a prize."

"You hardly have to throw it in the trash can," Jean-Paul said. "There is a recycling bin. If you mean use the paper as it is now, then no, these are from my mailbox, and I would rather none of you were running around with the information you would need to get a credit card in my name." Though he'd blacked out the most critical information. "With your own you may do whatever you want."

He pressed his lips together for a moment before nodding and picking up one of the scissors to start doing his damage.

He wasn't being environmentally friendly, after all. Paper cost money and the thought of wasting it bothered him. It made him think of the day Nor had stolen the Witch's papers and drawn on the back. These papers didn't all have clean backs, but it still seemed such a waste.

"Sorry," he said after a moment. "I understand about the information, of course" knowledge was never cheap "but it seems so wasteful."

"I know, but for that, you need to talk to the people who send out unsolicited mail in the first place," Jean-Paul said. "Once it has been received, there are only so many things to do with it. Unfortunately."

He nodded.

Of all the unfair parts of life, this was a minor, annoying one but it bothered him. As such, he took it out on the paper and made sure to make confetti of it.

Michael was setting fire to his.

Robin set to work tearing his portion into confetti.

Harry briefly considered magicking the paper on fire. Very briefly, because he was sure that wouldn't end well.

Before and after class, Jean-Paul was sitting at his desk, folding origami out of spare credit card applications.

And now our post is at an end, la.

Maths For Real Life, Period 1, Class 12 [3/31]

Sign In

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During the Lecture

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Do the Assignment

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Talk to the Teacher

OOC