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Old 12-10-2010, 03:39 AM  
TimeForWasp TimeForWasp is offline
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Old 12-11-2010, 11:47 PM   #166
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Old 12-12-2010, 12:24 AM   #167
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Some good stuff here. I haven't used a credit card since March 13th 2009. I'm well on my way to paying them off, it will still take some time, but I'm getting there.

I graduate from Mizzou this Saturday. My part time job will be enough to pay the bills, but I can't wait until I find something that will allow me to finally start getting ahead.

I own both my vehicles. One is paid off, and the other I paid cash for.

My grandparents are quite wealthy and use credit cards for the perks, but I agree that the majority of the world get's suckered in by perks and ends up losing their ass(ets).
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Old 12-12-2010, 12:43 AM   #168
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OK, I just thought of (what I feel is) a great analogy for why I get so irritated at R8ers and the like who are so anti-debt, so I figured I'd drop back by.

Credit...is like alcohol. (Hear me out.)

Like credit, alcohol gets some types of people into real trouble. However, for a vast majority of people, alcohol (and credit) can be used quite responsibly to produce a positive result.

When a conversation like this comes up, it's like a high school student telling his parents that his friends are drinking and asking for their advice. The parents have two broad categories of options: 1) tell him that drinking is evil and that he should never, ever do it OR 2) teach him how to drink responsibly (moderation, having a designated driver, etc.). It's certainly debatable which of these approaches will yield the best result, but I think a majority of people around here at least would agree that option 1 is doomed to fail. Option 2 has a much better chance of having positive effects in the long run.

So, when a thread like this comes up, there are really two responses. Yell and scream about how evil credit is, or teach people how to use it responsibly. I prefer the latter approach and believe that 1) credit is great if you know how to use it (and no, I'm not implying that it's a good idea to carry a balance on a credit card) and 2) telling people that it's evil isn't going to help them, and they're still going to end up using it anyway.

And prude parents who continue to think that alcohol is evil annoy the hell out of me.

The end.
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Old 12-12-2010, 06:03 AM   #169
R8RFAN R8RFAN is offline
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I see you left out Saul, he hates credit as much as I do but he is a Chiefs fan so let him slide....thats ok
Dude I could care less how you spend your money or money that you don't have, thats your option but when you say credit is good or make money on using credit, I am gonna call you on the carpet for it...

Credit is for those who don't need it.... If you are using credit because you have no money, then you need to either make more money or change your lifestyle...

The problem is people want instant gratification and instead of waiting until they can afford it, they have to have it now.

Daface, I don't know how old you are but you seem young to me by your rebellious tone but when you rebel with credit, the only people harmed is the one using it and their families..
I have neighbors that have twice the house I have twice the cars I have and make less than half what I do... They are up to their asses in debt, if you like that feeling, then by all means stay in your present lifestyle.
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2) telling people that it's evil isn't going to help them, and they're still going to end up using it anyway.
No skin off my teeth, I care for the people and wish they would not go in debt but they are smarter than some 44 yr old Raiders fan in NC, what can you do?
I am completely comfortable in my skin and I don't believe in coddling or hand holding full grown men so put the big girl panties on when you talk to me, think of me as that dude in the Gieco commercial talking to the guy on the couch (just not as old)
Not a soul in my family ever had anything, My Mom stayed in debt all her life, My dad never made over 6 bucks an hour his whole life (died in 81) My sisters always spent every dime they made and were always looking for more.... The sad part is, people up to their ass in debt think they have it good. Life is not good until you kick those that are stealing your families security to the curb...
I am so blunt about this issue for 1 reason, I want to see people take complete control of their money and make their own choice in who is worthy of receiving the money they work for.


Anyhoo, Merry Christmas
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Old 12-12-2010, 07:04 AM   #170
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Old 12-12-2010, 07:25 AM   #171
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Quote:
Originally Posted by R8ers View Post
I love this thread...

I want some of you to tell me how to justify borrowing money is better than saving up and buying with cash....
It depends on what you're borrowing money for. If you're using a credit card to buy everyday purchases or stuff you don't need, it's bad.

If you're borrowing money to buy a business or an asset that can be used to gain value, borrowing money can be a good thing.
Nearly every one of the richest people on earth got to where they are by borrowing money. Donald Trump has a lot more money than you or I, but I bet he has many, many loans outstanding right now.

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Originally Posted by R8ers View Post
I want some more of you to tell me how that credit card you value so much is changing your life for the good.....
Who has said that? I don't think anyone is arguing that normal credit card debt is a good thing.

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Originally Posted by R8ers View Post
I don't have any debt ZERO NADA NONE everything is paid for, every last penny of my paycheck goes into the bank.
Good for you. You're content where you are. You'll never be in Forbes, but that isn't your goal.

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Originally Posted by R8ers View Post
Credit is to let broke people buy shit they can't afford to impress other people...

My credit score is 0 and I can get a loan if I wanted it with a 0 credit score far easier than others can with a 700...

Why?
Debt to income ratio + Bank account
Not always.
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Old 12-12-2010, 07:54 AM   #172
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If you're borrowing money to buy a business or an asset that can be used to gain value, borrowing money can be a good thing.
Nearly every one of the richest people on earth got to where they are by borrowing money. Donald Trump has a lot more money than you or I, but I bet he has many, many loans outstanding right now.
Credit is intended for the rich, not for the broke
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Who has said that? I don't think anyone is arguing that normal credit card debt is a good thing.
Then what are we talking about?
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Good for you. You're content where you are. You'll never be in Forbes, but that isn't your goal.
Maybe not but I have a in the neighborhood of a million on paper now with 0 debt.
So you can keep your Forbes

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Not always.
Too vague , splain it for us dumb Raider fans
That tells me nothing....
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Old 12-12-2010, 08:01 AM   #173
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Old 12-12-2010, 08:04 AM   #174
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Quote:
Originally Posted by R8ers View Post
Credit is to let broke people buy shit they can't afford to impress other people...
I responded with a not always, just like you did here.

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Originally Posted by R8ers View Post
Credit is intended for the rich, not for the broke
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Old 12-12-2010, 08:04 AM   #175
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its spelled Genius, Idiot
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Old 12-12-2010, 08:05 AM   #176
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Originally Posted by Rukdafaidas View Post
I responded with a not always, just like you did here.
Go in to detail so I can respond to you, I love a debate....
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Old 12-12-2010, 08:20 AM   #177
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Originally Posted by Rukdafaidas View Post
It depends on what you're borrowing money for. If you're using a credit card to buy everyday purchases or stuff you don't need, it's bad.
Not always. I use my credit card almost exclusively for everday purchases. But, I pay the entire ballance off each month. All I have these days is the utility bills.
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Old 12-12-2010, 08:20 AM   #178
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Originally Posted by DaFace View Post
OK, I just thought of (what I feel is) a great analogy for why I get so irritated at R8ers and the like who are so anti-debt, so I figured I'd drop back by.

Credit...is like alcohol. (Hear me out.)

Like credit, alcohol gets some types of people into real trouble. However, for a vast majority of people, alcohol (and credit) can be used quite responsibly to produce a positive result.

When a conversation like this comes up, it's like a high school student telling his parents that his friends are drinking and asking for their advice. The parents have two broad categories of options: 1) tell him that drinking is evil and that he should never, ever do it OR 2) teach him how to drink responsibly (moderation, having a designated driver, etc.). It's certainly debatable which of these approaches will yield the best result, but I think a majority of people around here at least would agree that option 1 is doomed to fail. Option 2 has a much better chance of having positive effects in the long run.

So, when a thread like this comes up, there are really two responses. Yell and scream about how evil credit is, or teach people how to use it responsibly. I prefer the latter approach and believe that 1) credit is great if you know how to use it (and no, I'm not implying that it's a good idea to carry a balance on a credit card) and 2) telling people that it's evil isn't going to help them, and they're still going to end up using it anyway.

And prude parents who continue to think that alcohol is evil annoy the hell out of me.

The end.
I get the analogy. Maybe we can agree on this concept: people should learn to live completely free of debt before they start trying to harness the power of leverage and OPM.
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Old 12-12-2010, 08:22 AM   #179
Saul Good Saul Good is offline
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Originally Posted by Rukdafaidas View Post
It depends on what you're borrowing money for. If you're using a credit card to buy everyday purchases or stuff you don't need, it's bad.

If you're borrowing money to buy a business or an asset that can be used to gain value, borrowing money can be a good thing.
Nearly every one of the richest people on earth got to where they are by borrowing money. Donald Trump has a lot more money than you or I, but I bet he has many, many loans outstanding right now.



Who has said that? I don't think anyone is arguing that normal credit card debt is a good thing.



Good for you. You're content where you are. You'll never be in Forbes, but that isn't your goal.



Not always.
Warren Buffet operates his businesses with cash. I think you will agree that he has done pretty well for himself.
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Old 12-12-2010, 08:26 AM   #180
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I would compare debt to guns. Both can be used as tools by people who really know what they are doing, but when people who don't understand how they work start messing around with them, it doesn't end well.
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