05/09 - ChrisTurk Appreciation Saturday

Discussion in 'Daily mTurk HITs Threads' started by AlexZ, May 9, 2020.

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  1. Kayashi

    Kayashi Titler

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    naw, you're right
     
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  2. Masterbah

    Masterbah Survey Slinger

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    I'm of the mind that it's not worth fucking around with it. Insignificant benefits to getting inquiries for no reason vs slight disadvantages that take literal years to overcome. I prefer to avoid. Also, not sure where the cutoffs are, but there are cutoffs that will affect your rates, so :dunno:
     
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  3. Penelope

    Penelope Survey Slinger TurkerView Masters

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    I think you have to have an excessive amount of inquiries for it to affect your score in a damaging way, assuming your credit is good otherwise (long history, no late payments, 30% or less utilization and no charge-offs). I churned CC's for points and miles for several years. The main thing like Dan said is just not having any at all within I think it's three months of applying for a mortgage. You can't appear debt-seeking.
     
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  4. Laura Gomez

    Laura Gomez Well-Known Turker

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    This song was released and hit the Top 10 in the year I was born :)
     
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  5. turker

    turker Survey Slinger

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    now that I'm looking around more, the calculators show this weird thing. every time I increase my income by $250/month, the mortgage amount I qual for goes up by like $20,000. so I need to increase my income but not by nearly as much as I thought. down payment I checked the links and maybe I could get some somehow. so it's not as bleak as I thought. all I have to do is wait for the housing market to crash and get prepared now to buy at that time.
     
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  6. AlexZ

    AlexZ Distinguished Butthat The Prophet

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    [​IMG]
     
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  7. dan

    dan daelian

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    you're right

    in particular - turker's case - probably not worth her time to go through with it and get the hard inquiry. If the calcs are saying 30k, she'll probably not get approved for much more anyways
     
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  8. turker

    turker Survey Slinger

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    THANK YOU :)
     
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  9. ChrisTurk

    ChrisTurk Administrator

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    CreditKarma has a good mortgage calc based on your report I think
     
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  10. dan

    dan daelian

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    they want you to maintain your income though.
    You can't just up it for a couple months and expect that to be okay.

    I don't remember what they did for me, but I think they averaged the previous 3 years of my income to determine. don't remember
     
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  11. turker

    turker Survey Slinger

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    they told me the last 2 years in colorado last time I asked a mortgage broker, but that was probably 5 years ago by now. they said it has to spread out to an average. they said some people have seasonal income so it doesn't matter if it was a lot some months and hardly any other months.
     
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  12. WillowWolf

    WillowWolf Mischief Managed

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    On my way

    [​IMG]
     
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  13. dan

    dan daelian

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    I was going to suggest you go visit a local bank and sit down with a mortgage person. They'll know exactly what criteria is needed and can let you know whether or not you'd be wasting your time.

    But then I remembered - coronavirus lolol.

    Send an email
     
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  14. turker

    turker Survey Slinger

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    Dan you are a really smart beaver
     
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  15. AlexZ

    AlexZ Distinguished Butthat The Prophet

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    You keep saying that for many days now but I'm yet to see any food. I think you're just trying to appear generous in public.
     
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  16. dan

    dan daelian

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  17. Masterbah

    Masterbah Survey Slinger

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    Just so you understand why it goes up fast (I asked my financial planner 3-4 years ago about mortgages). (this advice was given in Canada, so while it could apply, I have no clue if that's how it's also done in the US)

    They look at 40% of your income, remove how much it costs to heat the place you're looking for (they have a formula based on cost of electricity/gas) (here was 60c/sqft), remove other debts (car loans, etc) and the rest can be allocated to the mortgage. So once you remove those fixed fees, every extra dollar (actually 40% of that dollar) can go straight to the mortgage, so it looks like it increases more than it should, but that's because of the fees that are already taken out.
     
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  18. Random Turker

    Random Turker Survey Slinger TurkerView Masters

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    University of Bern, Consumer Behavior [A3AK1IEJGPLB3B] Social Media Usage(~ 10 minutes) - $1.50 | PANDA


    Generous

    Unrated

    Unrated
    $15.56 / hour
    00:05:47 / completion time
    Pros:
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    Catchability: Okay (HIT Last Seen: 15 minutes ago)
    Qualifications: HIT approval rate (%) >= 90; Exc: [-84746313-218346] DoesNotExist ; Location In US;

    To read University of Bern, Consumer Behavior's full profile check out TurkerView!
     
  19. turker

    turker Survey Slinger

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    makes sense!
     
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  20. AlexZ

    AlexZ Distinguished Butthat The Prophet

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    Stopped reading at that.
     
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