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Reload this Page Life Anyone have any experience or ideas to fix my own credit?
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Old 12-12-2010, 08:50 AM   #1
Rukdafaidas Rukdafaidas is offline
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Originally Posted by Saul Good View Post
Warren Buffet operates his businesses with cash. I think you will agree that he has done pretty well for himself.
Not exactly, they'll use loans to their advantage. Which is what a few of us are trying to say here. You CAN use loans to your advantage. You just have to be smart about it.

http://www.investortrip.com/why-is-w...-stock-shares/

Quote:
Originally Posted by article
Berkshire uses it impressive credit rating to borrow money at the best rates while other companies struggle to find financing.

Berkshire created money out of thin air by borrowing tons of money at cheap rates then turning around to loaning it out to companies who were extremely desperate for short term financing. In fact, Buffett loaned money to General Electric, Goldman Sachs, and Tiffany Co. to name a few. If you step on Buffett’s cash cow, then he will sell your ass down the river.
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Old 12-12-2010, 10:50 AM
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Old 12-12-2010, 08:04 AM   #3
Rukdafaidas Rukdafaidas is offline
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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...
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, 08:05 AM   #4
R8RFAN R8RFAN is offline
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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, 08:27 AM   #5
Rukdafaidas Rukdafaidas is offline
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Originally Posted by R8ers View Post
Go in to detail so I can respond to you, I love a debate....
I was responding to your statement that credit is for broke people by saying that it's not always just for broke people.
Then you turned around and said credit is for rich people.
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Old 12-12-2010, 08:56 AM   #6
R8RFAN R8RFAN is offline
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Originally Posted by Rukdafaidas View Post
I was responding to your statement that credit is for broke people by saying that it's not always just for broke people.
Then you turned around and said credit is for rich people.
Ok what I am trying to explain is that the credit system will benefit the rich man because of the tax advantages within moderation, there is no denying that and the rich man have people hired to advise him when he will gain financially... The poor man living on a budget does not capitalize from borrowing money they don't have...

I could re mortgage my house, put a couple hundred thousand more in my bank account and pay a house payment every month too.

Would you take something that is paid off and refinance it just to have money in the bank?

Would you borrow money just to put it in the bank ? Of course not, you are losing money...

To those that use a credit card all month and pay it off or leave about 10 bucks on it a month, thats fine, you are responsible with money...


To those with a 5-10k balance, just enough money going into the checking account to pay the bills a month and a mortgage thats eating about half your income a month...

You will fail, I hope you don't but odds are you will and when the house of cards fall, alot of time the marriage does too.

This is how Life should work..

1- Get a job and maintain it & buy a reliable USED car cash
2-save money & Never get a credit card
3- Be 100% debt free before you decide the next step
4- buy a house when you have 20% or more to put down cash, payments under 25% of TAKE HOME PAY a month on a 15 yr Mortgage You should have enough money also to live for 3-6 months in case you break a leg or something above this 20%
Don't worry about a credit score, when you have cash it talks.
5- Work and save more money pay that house off in 5 or so by doubling those payments.

By this time you will have a ton of cash to buy whatever you want within reason with cash money.

Live within your means for life & spend less than you make...
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Old 12-11-2010, 06:02 PM   #7
Titty Meat Titty Meat is offline
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Saul is clearly has Schizophrenia. One day he was a politician the next he worked for the Husker Athletic Department, now he's had the same job for 5 years despite being on here for more than 5 hrs a day.
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Old 12-11-2010, 06:03 PM   #8
Saul Good Saul Good is offline
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Originally Posted by billay View Post
Saul is clearly has Schizophrenia. One day he was a politician the next he worked for the Husker Athletic Department, now he's had the same job for 5 years despite being on here for more than 5 hrs a day.
billay: 12,300 posts since 2007

saul: 8,700 posts since 2005

You were saying?
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Old 12-11-2010, 06:05 PM   #9
Titty Meat Titty Meat is offline
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Originally Posted by Saul Good View Post
billay: 12,300 posts since 2007

saul: 8,700 posts since 2005

You were saying?
Means nothing you are on here for hours everyday, I don't even post on here everyday. Lets see a pic of you Saul oh wait you don't have a job you can't afford a camera.
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Old 12-11-2010, 06:06 PM   #10
R8RFAN R8RFAN is offline
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Means nothing you are on here for hours everyday, I don't even post on here everyday. Lets see a pic of you Saul oh wait you don't have a job you can't afford a camera.
I think he want's your man juice Saul
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Old 12-11-2010, 06:09 PM   #11
Saul Good Saul Good is offline
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Originally Posted by R8ers View Post
I think he want's your man juice Saul
I would imagine that he's got a lot of pent-up sexual energy seeing as he can't reach his own pudgy little pecker.
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Old 12-11-2010, 06:14 PM   #12
Saul Good Saul Good is offline
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Originally Posted by R8ers View Post
I think he want's your man juice Saul
He's a stalker. Now he's sending me visitor messages. I have never sent him so much as a rep.
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Old 12-11-2010, 06:04 PM   #13
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Without wading through what is apparently a thread full of bickering, the two most important things that helped Bob Dole climb out of the hole he was put in after his divorce were online bill pay and (at that point) Microsoft Money. (Presently, Bob Dole would recommend signing up with mint.com and creditsesame.com ).

Get a handle on where your money is going, adjust your spending accordingly, and use what you learn from that to pay down your debt and pay your bills on time.
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Old 12-11-2010, 08:53 PM   #14
TimeForWasp TimeForWasp is offline
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Originally Posted by Bob Dole View Post
Without wading through what is apparently a thread full of bickering, the two most important things that helped Bob Dole climb out of the hole he was put in after his divorce were online bill pay and (at that point) Microsoft Money. (Presently, Bob Dole would recommend signing up with mint.com and creditsesame.com ).

Get a handle on where your money is going, adjust your spending accordingly, and use what you learn from that to pay down your debt and pay your bills on time.
is mint.com and credtsesame really free? no catches? how do they make money??
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Old 12-11-2010, 09:04 PM   #15
Saul Good Saul Good is offline
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is mint.com and credtsesame really free? no catches? how do they make money??
Mint is totally free. There may be a more advanced version that requires a purchase, but the basic version is free. I have it, but I don't use it. Heard great things about it, and I really should give it more of a chance than I have. I've got 6 bank accounts at 3 banks plus an Ameritrade account, and it is a lot to keep my arms around.
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