Re: Trying to get on my feet independently

2020-08-17 Thread AudioGames . net Forum — Off-topic room : NevEd via Audiogames-reflector


  


Re: Trying to get on my feet independently

@26 I'll probably sell the MPC I bought a couple months ago and get an S2400 when it comes out. There's some stuff floating around about it possibly having accessibility features, which would be lit.To everyone else on here, the long and informed posts are greatly appreciated. It is a bit tough figuring out an immediate course of action probably because I only have a little bit of an idea of what I'm going to do in the long term.Someone suggested to me that I get the music makers page on wordpress to maybe start making money from my beats and whatnot, I'm at least going to do that. In regards to getting a job, I guess that's not going to be much of an option until I get my degree. I had an opportunity to apply for a job at walgreens of all places, for like $20 an hour doing technical support, but I decided not to do that because I didn't want to get loaded on top of the stuff I was doing for college, and toss a rench into a system that I was just getting familiar with.

URL: https://forum.audiogames.net/post/562293/#p562293




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Re: Trying to get on my feet independently

2020-08-17 Thread AudioGames . net Forum — Off-topic room : NevEd via Audiogames-reflector


  


Re: Trying to get on my feet independently

@26 I'll probably sell the MPC I bought a couple months ago and get an S2400 when it comes out. There's some stuff floating around about it possibly having accessibility features, which would be lit.

URL: https://forum.audiogames.net/post/562293/#p562293




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Re: Trying to get on my feet independently

2020-08-17 Thread AudioGames . net Forum — Off-topic room : ManFromTheDark via Audiogames-reflector


  


Re: Trying to get on my feet independently

@NevEd, hell yeah, I'm buyin'/sellin' gear quite a bit. Regarding selling stuff, it's nice to find some compitent fello, who can help with proper packing and sending it out to the new owner so that the thing really arrives to it's destination in one piece and doesn't get lost or ripped apart during the process.

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Re: Trying to get on my feet independently

2020-08-17 Thread AudioGames . net Forum — Off-topic room : joshknnd1982 via Audiogames-reflector


  


Re: Trying to get on my feet independently

When you look for an apartment, because you are on SSI, I recommend looking for apartments that accept section8 housing, or get on the waiting list for a hud apartment in a city with good public transportation. Once my son graduates I plan on moving out of this small town and just letting my son have this house and he can do what he wants with it after he is 18 or 21, and after I get a place that takes hud. But that won't be for another 8 to 10 years or so.

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Re: Trying to get on my feet independently

2020-08-16 Thread AudioGames . net Forum — Off-topic room : camlorn via Audiogames-reflector


  


Re: Trying to get on my feet independently

@23A quick Google suggests this depends on whether the store partners with them, and since I primarily shop at major grocery stores, that'd make sense as to why I'm not seeing it.  All I can say is that at least for me, the prices are roughly what I'd expect to see if I was going in person.

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Re: Trying to get on my feet independently

2020-08-16 Thread AudioGames . net Forum — Off-topic room : enes via Audiogames-reflector


  


Re: Trying to get on my feet independently

Camlorn, instacart is free after the 99 dollar fee, however, it is important to note that they add up to a 40% or so markup to the product prices, so they aren't necesarily the same prices you would've gotten had you been in the store. But they also cut the service fee in half when you  get the membership.

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Re: Trying to get on my feet independently

2020-08-16 Thread AudioGames . net Forum — Off-topic room : camlorn via Audiogames-reflector


  


Re: Trying to get on my feet independently

@21If you give Instacart $99 a year, they give you discounts on delivery for orders over $35.  It used to be free, but last time I did it it wasn't.  Since I'm in Seattle, that's probably our taxes, not a change, but even so, it's a good deal.  You'll end up paying what you would have if you'd gone to the store plus like $5 per trip, once you work it out, and since you'd probably also end up paying for a taxi or something, it's kind of a no-brainer.Only major downside to grocery delivery is that you can't do small orders, so if it's Wednesday and you've got some giant dinner party and you need Himalayan salt and nothing else will do, sucks to be you.  There's a minor downside in that you can't easily get stuff from specialty stores, if non-American food is your thing, but you can order half of that stuff off Amazon so it's not the end of the world.Other things you'll want: get Blindsquare if you can.  Get Aira if you can.  You'll not use either on a day-to-day basis, but they come in ridiculously handy in situations where nothing else will do, and Blindsquare in particular is amazing for finding out if the Uber driver did the right thing.  I think those two apps and my feed scanner are the only major blindness-specific tech things I've got, but you'll also have to mark the microwave and stuff and maybe get some braille measuring cups.  If you cook beyond a basic level, there's a lot of things where the right gadget takes it from harder than it needs to be because you're blind to pretty easy, but then most people don't go nearly as far as I do with cooking and in terms of meeting basic needs it's all entirely optional.

URL: https://forum.audiogames.net/post/562108/#p562108




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Re: Trying to get on my feet independently

2020-08-16 Thread AudioGames . net Forum — Off-topic room : NevEd via Audiogames-reflector


  


Re: Trying to get on my feet independently

Sorry for ghosting this topic for a while. Lots of great stuff here. Especially from camlorn.I do have a lot to learn in regards to working the finance system, all I've ever had since I was 18 was my debit card and a checking and savings account. I just don't want to be another young person in a world of debt like some others end up doing due to ignorance, they really should teach this shit in schools more.I've been a bit out of the loop enough that I didn't even realize how much delivery from grocery stores seem to have gained in popularity, Covid I'm sure helping with that.@12 I'll always be doing music in some form or fashion, collecting vinyl,making beats, etc, even if I don't necessarily blow up from it, whether underground or mainstream wise. Hell I'm looking at some gear I intend to purchase over the next 12 months. I assume you do this also?

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Re: Trying to get on my feet independently

2020-08-15 Thread AudioGames . net Forum — Off-topic room : enes via Audiogames-reflector


  


Re: Trying to get on my feet independently

Well, the highest limit I was ever upgraded to was 1500 dollars. Which kind of annoys me. My bank also gave me a lower limit than that. I actually missed out on good deals because I had to draw from my savings account and wait for my money to clear to my checking account  because the website would only accept credit/debet cards and my credit limit wasn't high enough to make a purchase, and was denied financing.On cards, someone who travel it can be worth a travel card. Those  offer stuff like travel insurance, cancel insurance, and bonuses that can be used for travel etc, also all such cards lack a foreign exchange fee.

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Re: Trying to get on my feet independently

2020-08-15 Thread AudioGames . net Forum — Off-topic room : camlorn via Audiogames-reflector


  


Re: Trying to get on my feet independently

@18As I recall, I got my first card while still on SSI, and managed a $3000 limit (still not sure how I did that, probably because it was through my bank that I'd been a customer of for years).My brother is still on SSI, and he was definitely doing better than $1300 on one card as well. The primary factor isn't "how much money do I make", it's "Do I have a history of paying off my debt".  In so far as income matters, and it does, it just gets plugged into the pays debt estimator.  If your credit score is high enough, they'll just preapprove you half the time anyway.  It takes time to build it up.  Also, if you're at world-ending disaster and are going to max your cards, there's ways to combine them, especially if they have cash advances.Plus, to use your laptop example specifically, a high credit score will let you finance your new laptop over 2 years and stuff like that, even though you have low income.  There's auxiliary benefits all over where it opens up the option to not pay much now at the cost of having interest, and if you don't have $2000 but you do have $100/month, you can still get the new computer you need for work, etc.I flag this now though because it takes time and planning to get these benefits.  It doesn't take anything but time and planning, and if you get a good enough credit card you can link your debit card and then use the credit card instead, which will just do the entire thing for you without much extra thought beyond setting it up.  Free additional options are always good, even if you never use them.

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Re: Trying to get on my feet independently

2020-08-15 Thread AudioGames . net Forum — Off-topic room : enes via Audiogames-reflector


  


Re: Trying to get on my feet independently

Camlorn, did those cards ever increase more than 1300 dollars? That is kind of a low number to have on a card, especially when making a purchase over that, such as high end laptops,,  furniture, or apliences, which could easily exceed that number. Also,  to my knowledge, in Europe a credit score isn't valued as much, and used in non-credit situations, such as  renting, or connecting utilities. I don't think there aare general credit scores the same way there are in the US.Also, another  thing, when starting out to live independantly, it is important to have seberal hundred dollars of cash. If you have no rent history,  landlords can charge risk fees, and large deposits, depending on the state. Same with utilities, they can ask for large security deposits to connect power etc.

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Re: Trying to get on my feet independently

2020-08-14 Thread AudioGames . net Forum — Off-topic room : camlorn via Audiogames-reflector


  


Re: Trying to get on my feet independently

Autopay almost never overcharges.  Autopay almost never undercharges either.  The one time I had a problem with it was rent, but the landlord e-mailed me and was like "I saw you set up autopay, but unfortunately the new system missed them for this month, can you fix it" and that was the end of that.  For the most part you've got to keep in mind that this is directly to do with money.  Whoever did autopay for whatever we're talking about gets to screw up once and then the entire company goes out of business.  So generally speaking the UI for it might be buggy but the thing that does the charging usually isn't.if the billing company does autopay, you'll only need to update if the card changes.  They'll handle the period.  They'll also send you e-mails if there's a problem.My approach to this is to have sort of two categories of thing.  One category of thing is "if this isn't paid my life is over" like rent, and for that I watch my phone for bank notifications around the time it's supposed to happen plus make sure I have e-mail receipts.  The other category of thing is stuff that's very inexpensive i.e. my servers and things like that.  For that, I just watch my phone and if I get any surprisingly high or frequent alerts from the bank, I go open it up and see what just charged.  Obviously if you're budgeting tightly variable charges via the autopay are less than ideal and you'll need to be a bit more disciplined than this.Now, one thing that many don't know is, most good banks will actually mail a check for you, either once or on a schedule.  It can be a pain to set up--indeed, for bank of America it's like 10 screens--but once that's going, you can just log in and send checks to whoever's in the contacts, or get it to send one to the landlord on a schedule.here's the thing about money.  Most people will work with you if you're late.  Collections isn't what you think.  When your debt goes to collections, what actually happens is they sell it to the collections agency like it's selling your laptop for like a 3rd or less of what you'd pay them if you suddenly came through with the money and give up all right to come after you themselves, and the collections agency is betting they can collect.  So they don't want to do that, it's the better than nothing option only.In the U.S., you kind of have 30 days late period before things hit your credit report.  Don't use it, but if you're late by a day or two because you didn't plan this all out right somehow, it's not going to end you.The one risky thing is rent.  You'd think that water, electricity, etc. are easily turned off, but that's not actually the case.  That usually takes months.  But depending on where you live and what's in the lease, evicting you can take a matter of a day or two.  Some places--Seattle, SF, etc--have lots of tenant rights and it takes months.  Some places--Florida--take no time at all, as in, you can come home and be out on the street.  You want to know which you're in.But in either case, be somewhere for 6 months to a year and don't be that blind guy who makes the landlord spend a ton of money accommodating you, keep the apartment/etc clean, and most landlords will work with you if payment goes wrong.  it's actually a *lot* of work to find new tenants, if you're a few days late once a year for some reason or you go to them and you say "Sorry, I'm blind, the bank didn't mail it but I called them and fixed it" or something, you'll get a few go rounds before it becomes a huge problem.  They don't want the unit to sit empty for a month or two because they evicted you.In general with this stuff, counterintuitively, being everyone's friend and just being nice will get you a lot of wiggle room.  You can build up goodwill.  If you've paid the bill every month for 2 years, they'll usually work with you at least some if there's an issue.  At the beginning you don't have that, but at least with the landlord you almost certainly will, and possibly with other things too depending what they are.If you want to be extra safe, most countries offer a way to save up your benefits.  Sometimes it's very loophole, as in you give it to a friend and it's technically not in your name so it's good, sometimes it's something like the U.S.'s Able asccount where it's a couple forms and you're on your way.  If you have benefits and are living in a situation where you could in theory save up a little safety net, you could do that before doing anything else.Now, the last thing I want to close on on this really big post is credit cards.  This is U.S. centric a bit, but at least Canada and the EU have similar mechanisms.  With about a year of planning, you can get access to at least $1 in credit even on benefits, potentially much more.  To do so, you get a secured credit card, you set up autopay to your bank account, and then you pay for stuff through it.  Credit card interest is

Re: Trying to get on my feet independently

2020-08-14 Thread AudioGames . net Forum — Off-topic room : Zarvox via Audiogames-reflector


  


Re: Trying to get on my feet independently

are autopay systems trust worthy? That sound like a stress reliever, but are there any drawbacks or anything I need to look out for? Of course if a billing cycle changes you will have to manually update it, but besides that.

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Re: Trying to get on my feet independently

2020-08-14 Thread AudioGames . net Forum — Off-topic room : brad via Audiogames-reflector


  


Re: Trying to get on my feet independently

@camlorn, I agree completely.Companies really aren't out there to get you and if they are, it won't be a, oh, they're blind, let's take advantage of that, kind of thing. IF they do that they could get in big trouble.Banks are good these days at least here in the UK and I'd assume America too.

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Re: Trying to get on my feet independently

2020-08-14 Thread AudioGames . net Forum — Off-topic room : camlorn via Audiogames-reflector


  


Re: Trying to get on my feet independently

@13A good bank will let you get your financial records in accessible formats, typically as CSVs, if they don't just flat out have an accessible-enough online table.  Any good bank will also give you text notifications of some to all transactions, alerts at balance thresholds, and an app.  You'll need to budget what you're going to spend before you spend it, but after the fact the bank keeps all the records for you and balancing the checkbook is something mostly relegated to the previous generation.Companies don't in general take advantage of you, account number or no.  It's definitely something to think about, but the electric company isn't going to like go "haha you're manufacturing thunderstorms according to our meter, gotcha".  Obviously having the account go under because of something like that would be really, really bad, but you can get the money back, if you can't get the money back the banks are actually mostly on your side in that sort of scenario and will reverse the disputed transactions and potentially block them in the first place, and unless you also enable autopay they aren't going to charge you even if the card is on file.  In my opinion, whether you need to be paranoid about this or not depends primarily on whether or not you could absorb a temporary hit of 10-20% because of bad accounting somewhere.  In practice, 99% of banking/autopay problems are more along the lines of that time I was moving to Seattle, buying stuff for the apartment, and had my cards shut down while I was at checkout because charges 3000 miles from where I used to live.Mind you, if you're in a country that doesn't have good banking infrastructure and consumer protections, the above is less applicable.

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Re: Trying to get on my feet independently

2020-08-14 Thread AudioGames . net Forum — Off-topic room : Zarvox via Audiogames-reflector


  


Re: Trying to get on my feet independently

I am 19, still living with my father. Of course getting the proper amount of finance is very difficult, but you also have to keep in mind budgeting and learning how to pay the bills. It sounds super easy, but I already know without having done it yet, that it won't be. You have to keep track of all bills, you have to keep track of every purchase so that you know if some company is taking out more than they should, and you have to know what information is required verses optional. Which is the scariest part, because companies will take advantage of weaknesses. A comapny may tell you, just give us your account number and we will do the rest, but there may be hidden safer methods of transaction that if you don't ask or research, you will fall into a trap. I am terrible with keeping records and researching things. If these are strong skills for you that's good and keep moving. Just remember to take it one slow step at a time. The other thing you shoud remember is when you do live on your own, how will you handle the silence? Of course you can go to events and do things that you couldn't before, but don't be surprised if you still find yourself bored a lot, at least in the first few months. I am not discouraging you, or everyone from moving out. I would love to do it myself. But sometimes we get so focused on how different we want it to be, verses how different it actually will be. And starting out, it is always a tough process to get use to. But when the time comes for you, I wish you the best of luck and that your skills are at a strong point to handle the stress.

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Re: Trying to get on my feet independently

2020-08-13 Thread AudioGames . net Forum — Off-topic room : ManFromTheDark via Audiogames-reflector


  


Re: Trying to get on my feet independently

@NevEd, do whatever you do, but no matter what life throws at you, man, don't leave the music behind if you are at ease with her. Trust me, it might take you somewhere one day. Even if not make you exactly famous; even if just some underground shit gettin' just a bit of attension, but you'll definitely earn respect and through that might find some good friends probably for life or at least for a long time. I'm not trying to say here, that everything else doesn't matter, cause it obviously does, but instead to put a strong accent on the fact that for those of us who do music, it's as important as anything else in life, hell, sometimes it's actually the main motivator for all else. So yeah, don't lose the rhythm and the melody and it will be fine.

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Re: Trying to get on my feet independently

2020-08-13 Thread AudioGames . net Forum — Off-topic room : brad via Audiogames-reflector


  


Re: Trying to get on my feet independently

@NevED, I don't mind it honestly.I could go through all the things people are mentioning but I'm honestly to lazy and just can't be bothered.Having said that; don't be me, do what you can to get out, the quicker the better but make sure you're good with money, that's very important, job or no job. If you get SSI/PIP money or job money, you might need to cut back on meet or something you enjoy to make ends meat.

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Re: Trying to get on my feet independently

2020-08-13 Thread AudioGames . net Forum — Off-topic room : enes via Audiogames-reflector


  


Re: Trying to get on my feet independently

Well, I guess those general education classes would be considered fluff. Also another thing, with large supermarkets offering their own delivery, which everyone, not just blind people use, and with public transportation  being more used by everyone in general as well, blindness specific costs will be lower as well.

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Re: Trying to get on my feet independently

2020-08-13 Thread AudioGames . net Forum — Off-topic room : NevEd via Audiogames-reflector


  


Re: Trying to get on my feet independently

Great info, you know now that you mention it, I had to take math my last semester, which I guess would tie into programming? Any programmers in here? But most of the shit they asked had nothing to do with programming and I don't wanna program. I wanna build and fix hardware.Fluff work annoys the hell out of me and yeah it did cause me to lose motivation in my other classes.Going abroad would be interesting. I was talking about that with someone who used to live here but she has uni in the UK.

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Re: Trying to get on my feet independently

2020-08-13 Thread AudioGames . net Forum — Off-topic room : enes via Audiogames-reflector


  


Re: Trying to get on my feet independently

So a couple things I think you should consider. Research whether sighted people have  degrees in your chosen profession. If they do, you probably should get one too, as employers are looking to exclude you based  on blindness, with non-blindness reasons as a pretense. Not having a degree when others do, is an excuse for the employer to toss your resume into the trash, claiming X didn't have a degree while Y did. Cost can be a barier for this, as well as blindness  specific issues in certain fields. I would  consider you to think of getting education abroad to take care of the cost issue. Attending college in Europe is more cost effectibe most of the time. In some areas, for example certain parts of Germany, schools will charge a reduced tuition, or no tuition at all. Possibly a small tuition and living expenses are all you would need to pay for if you choose this route. Additionally, afirmative action is practiced to my knowledge, meaning if you are equally or slightly less qualified to a sighted candidate, they  will choose you over them in admissions if you disclose your disabilities. One thing of note though, european degrees are about a year shorter sometimes, and are less broad and more focused than US liberal  arts degrees.  Meaning you only take courses that are in your major, or are related to it in some way, except some electives. This can be good for you, if you struggle in specific subjects like math, you can pick a major that doesn't enclude such components and avoid taking them, or having them mess up your grades. A degree ina foreign  a school  is considered equivilent  in the US, all you do is  get an accredetation report from an acredetation agency. Living alone is also very doable without blindness specific training.  family descriptions, and demonstrations on how to do things should be enough.

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Re: Trying to get on my feet independently

2020-08-13 Thread AudioGames . net Forum — Off-topic room : enes via Audiogames-reflector


  


Re: Trying to get on my feet independently

So a couple things I think you should consider. Research whether sighted people have  degrees in your chosen profession. If they do, you probably should get one too, as employers are looking to exclude you based  on blindness, with non-blindness reasons as a pretense. Not having a degree when others do, is an excuse for the employer to toss your resume into the trash, claiming X didn't have a degree while Y did. Cost can be a barier for this, as well as blindness  specific issues in certain fields. I would  consider you to think of getting education abroad to take care of the cost issue. Attending college in Europe is more cost effectibe most of the time. In some areas, for example certain parts of Germany, schools will charge a reduced tuition, or no tuition at all. Possibly a small tuition and living expenses are all you would need to pay for if you choose this route. Additionally, afirmative action is practiced to my knowledge, meaning if you are equally or slightly less qualified to a sighted candidate, they  will choose you over them in admissions if you disclose your disabilities. One thing of note though, european degrees are about a year shorter sometimes, and are less broad and more focused than US liberal  arts degrees.  Meaning you only take courses that are in your major, or are related to it in some way, except some electives. A degree in such a school  is considered equivilent  in the US, all you do is  get an accredetation report from an acredetation agency. Living alone is also very doable without blindness specific training.  family descriptions, and demonstrations on how to do things should be enough.

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Re: Trying to get on my feet independently

2020-08-12 Thread AudioGames . net Forum — Off-topic room : NevEd via Audiogames-reflector


  


Re: Trying to get on my feet independently

@6 Fuck man, the thought of staying in this house until one of my parents expire, goddamn I feel old just thinking about that lol.

URL: https://forum.audiogames.net/post/560958/#p560958




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Re: Trying to get on my feet independently

2020-08-12 Thread AudioGames . net Forum — Off-topic room : brad via Audiogames-reflector


  


Re: Trying to get on my feet independently

For me, the truth is I'll probably live here until my grandparents die or I say fuck it and move to the country but I doubt that will happen.I use PIP, The UK SSI and it doesn't bother me at all.I'm not going to work in a job I hate, yes my family has their own issues but if I volunteer and keep myself mostly happy I'll be good.As for you OP, if you can get out from under your parents thumb, do it.You'll be able to cook and bake when you like, do whatever things you want to do in your house, it'll be great so go for it.

URL: https://forum.audiogames.net/post/560928/#p560928




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Re: Trying to get on my feet independently

2020-08-12 Thread AudioGames . net Forum — Off-topic room : NevEd via Audiogames-reflector


  


Re: Trying to get on my feet independently

I lived in the dorms before Covid screwed it all up no problem.I was out in long island in the summer of 2017 at the hellen keller center for 8 weeks. I managed just fine. I just don't trust my ears to travel completely by myself anymore.Finance is definitely something that's a big thing for me, its a pain in the ass to make a living wage in this country.

URL: https://forum.audiogames.net/post/560883/#p560883




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Re: Trying to get on my feet independently

2020-08-12 Thread AudioGames . net Forum — Off-topic room : camlorn via Audiogames-reflector


  


Re: Trying to get on my feet independently

You can live alone without a problem, save only for the financial point.  If you don't want a roommate then, save for the financial point, you don't need one.  This will take some work to arrange, i.e. if you've never had any sort of independent living training you should get some, but it's perfectly doable.Unfortunately the financial point is a big one.  But someone to live with is not at all a requirement apart from that.

URL: https://forum.audiogames.net/post/560879/#p560879




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Re: Trying to get on my feet independently

2020-08-12 Thread AudioGames . net Forum — Off-topic room : NevEd via Audiogames-reflector


  


Re: Trying to get on my feet independently

All good man, honestly I'm either trying to find a girl that I actually like and trust enough to move in with (imagine that, y'all!), or, by some miracle, end up becoming good friends with someone I wouldn't mind rooming with. Which could be fun but roomates generally annoy the piss out of me, not because its their fault as much as its just me not being a big fan of sharing a house with a person I barely know.I don't even know where I would live at the current moment the first thing I'm worried about rite now is being stable financially enough to do that when I want to.

URL: https://forum.audiogames.net/post/560874/#p560874




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Re: Trying to get on my feet independently

2020-08-12 Thread AudioGames . net Forum — Off-topic room : Vulcan via Audiogames-reflector


  


Re: Trying to get on my feet independently

Hmmm, its good that you have the motivation that you would like to be on your own, that is very important.  Now you have to decide where you want to live, how close to your family you want to be, and what type of transportation your area has to offer.  Is your town a small town, does it have sidewalks through out the town, or is it mostly large lawns that take the place of the sidewalks before the street is met with the curbe.  From my personal experience, i lived in the country, so right their you get no sidewalk, and no lawn filled curbes.  Instead you get lawns, and then the roads.  So then i looked at the nearest town, and new that their is sidewalks throughout the town, but not much public transportaion transportation, unless you count a county bus.  Then i looked in to the biggest city near that town and found that it had a public bus system, a smaller bus system that took you door to door, and the same county bus from the outer town went in to the big city.  I myself required a lot of public .transportation, so i chose to go in to the big city.  Then i looked for a place that was afordable to me, and from their i started looking for work while paying for my rent and stuff i needed with SSI and with the assistants of food stamps.  And before anyone jumps down my throat about SSI, let me say this.  Do not be ashaimed of using it,, it is provided for those very reasons.  Also keep in mind if you feel bad about using SSI, don't because you will eventually find your way out if you try.  NOt sure if this will help, and sorry for it sounding super ranty.

URL: https://forum.audiogames.net/post/560873/#p560873




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