Quote:
Originally Posted by Plug Drugs
Why do you is the real question
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Quote:
Originally Posted by Plug Drugs
Why do you is the real question
i don't
Quote:
Originally Posted by GulDucat
You obviously do defending her and encouraging the bitch to come here with that retard rooty
he's entertaining delusions of how she will fall head over heels in love with him, if only he can meet her in person, i've done that before on a fuckload of x while thinking about Scarlet JohannsonQuote:
Originally Posted by Jihad Josh
i don't think he's defending her, he just likes to argue for argument's sake
idk hes pretty bad at arguing mondeQuote:
Originally Posted by m0nde
with the prospect of college looking like the worst financial decision a person could possibly make for themselves, I'm probably not going to finish out college.. Maybe if my school situation hadn't been all fucked up from getting stuck in a psyche hospital during senior year, I would have jumped through the hoops needed to get a scholarship and an admission to a fancy pants school.Quote:
Originally Posted by Chronic Munchies
Something about the whole idea of paying for information that's free in a library doesn't sit well with me.. Also, the second my textbook came with no binding or cover in loose leaf paper and cost 200 dollars, it all wreaked of scam. Literally nothing new has had to get added to standard chemistry books in like 50 years, you can take a chem book from the 70s and follow right along with the teacher in any class; they all teach the same things in the same logical order, don't know why the fuck they are getting away with selling new copies.. Especially ones without covers and no binding.
How about this, just make sure firearms don't get made illegal and get confiscated in this hell hole police state while I'm out, and because I'm going to go try roughing it in no man's land for a while and return some day with riches
I'm almost 4 years out of high school and not in debt, my score hasn't gone negative, that's more than what half of my graduating class can say
http://www.theblaze.com/stories/2013...-of-the-world/Quote:
Originally Posted by Plug Drugs
here PD let a person who is actually liked make your argument for you
no credit is alsmost as bad as bad credit
I wish you could say "yeah well theyll have a degree some day and pay it all off" but the way the economy is looking right now I don't have high hopes.
lameQuote:
Originally Posted by Plug Drugs
bad credit implies that you're already in debt which can't possibly be better than no credit at all;Quote:
Originally Posted by Autistic Spectrum
maybe it is better in a sense, since bad credit is basically like having a sticker on your forehead that says "sucker", and might actually helps your chances of getting a high interest loan from a shady back alley bank (keep your fingers crossed though just in case)
cash is kingQuote:
Originally Posted by Autistic Spectrum
raed the article in that link its mike rowe frm dirty jobs if you dont like him youre a commieQuote:
Originally Posted by Plug Drugs
oops i posted in this thread, i wasnt going to dammit
what does your penis look like rootbeer?
I had an account at a credit union but closed the account the second they overdrafted me for something.. My insurance bill came in at midnight and my paycheck came in at 4 am and they fucking overdrafted me.. Deny the transaction, fuck, tell the insurance company with an automated email that they'll add a notice to my account regarding insufficient funds and let me know about it the next time I stop in. If the insurance company gets their pants in a knot about a gap between payments then that's my fucking problem, don't just take money out of thin fucking air and charge me extra for doing so, you crazy fucking bastards
get a shitty visa card, buy gas with it pd and only gas pay it off in full every month, you will not have to pay interest if you pay in full and after 9 months or so you will have a pretty good credit score, but what they also look at when applying for loans at actual banks not payday loans is how much you make and how much you owe, so someone making 20 grand a year can not walk into a bank and get a 300,000 dollar loan because you would not be able to make the payments,
you should run your creidt to see if that showed up if it did call the bank and ask them to take it off, and pay the overdraft, also if you call right after when there's an overdraft every single bank everywhere will remove the fee if you ask nicely/threaten to close your account
Hi I was wondering, can I overdraft my card for 10 million USD? Yeah I'll pay it back later, I just need it now so I thought I'd overdraft. Oh, what?? You'll deny such a large transaction? Oh so there is some fucking intelligence behind the scenes over there at the circus you're running, I assumed you just blindly pulled money out of the account, so how did you know that I didn't have 10 million but didn't know a while back when I had insufficient funds for a 150 dollar insurance bill and you charged me 40 bucks for overdrafting?
I am never taking a loan out for a car or house. I never will, flat out. I just won't do it. If I'm ever making the kind of money where I could if I really wanted to, good, then I can save up the money myself and buy the car/house with a 100% down payment in a few years time.Quote:
Originally Posted by Autistic Spectrum
ok look i went through some shit awhile back and declared bankruptcy to get out from under insanely high medical bills (thank god obama wasnt elected in 2000) and now my car paymnt has 18% interest because i got it 1 year after, i still owe 15k on it (dont ask ok) but my credit score has gone up 100 points, the problem here is that a "good" credit score has also gone from 900 to like 1k points so im in exactly the same boat i was in when i started off, ive gone up 100 points (never missed a payment) but so has a good credit score, so how the FUCK do i fix that?Quote:
Originally Posted by Autistic Spectrum
it's kind of hard to get the huge ass tax breaks and tax benefits from buying your house outright, i think u acutally come out a little ahead come tax time if you have a mortgage over the long term
and you will newver have a goddamned thing in life unless its handed to you. you cant even start a decent business without startup cash from a bank I did it and paid it off, i'm still in the shitty credit bracketQuote:
Originally Posted by Plug Drugs
7 years for bankruptcy to be totally gone off your report, but after 2 years or most lenders will rate you as a good risk because you are debt freeQuote:
Originally Posted by www.whatthefuck.com
i always try and buy cars outright because they only deprecate and you get 0 tax benefits from having a car loan
plug drugs you should fucking rape your credit right now, get your credit score high by paying off a credit card every month for like a year, then take out a fuck ton of credit cards and go to town, and never pay shit back, pay 300 bucks to declare bankruptcy and in 7 years u will be back to normal
Therefore, there is no reason for me to ever build up credit and no reason for me to ever own a credit card, and I'll never have to fear getting in to debt. I had to open up a bank account a few months ago for the sole purpose of getting money from someone. I withdrew all the money ASAP and haven't touched the account since.
I'm sure I'll have a job again in the future that only sends out paychecks as direct deposit, and even then I'll only do so very reluctantly and hesitantly. I experience pure discomfort and malaise 24/7 when I'm in even the smallest amount of debt, I don't know how it can be some people's life choice to be in debt.
God damn banks. God damn bitches and hoes! Get off my dick with that overdraft shit, don't be frontin son