CREDIT: People without credit scores will soon be able to get credit cards

[Dannyblueyes]

Actually they are man. Kids no. The parents?
If you know you broke and fucked up you have the discipline not to have kids and put them in that situation!
You go to school, pay attention, get the best grades, apply for scholarships, grants, aid.. use money and flip.
Network!

I don't buy it.

It takes 18 years to reach adulthood. How can you guarantee their living standards and success for that long?

You could be making six figures a year and lose your job overnight. A medical expense could bankrupt you. Economy could collapse and wipe out all of your savings. A natural disaster destroys your home and the insurance company doesn't pay out because of a loophole. Your wife could develop an expensive alcohol or gambling addiction.

Even if your money stays on point, what happens if you get divorced? What if you or your spouse dies? What happens if one of your teenagers start fucking up because a teacher touched them in elementary school?

There are a million different things that could turn you from an upstanding family man to the kind of person who should have been disciplined enough to not have kids and put them in "that situation".

If everybody took your attitude there wouldn't be any kids.

 

[DJCandle]

Bottom feeding at its best.

The vultures are always circling.

 

[largebillsonlyplease]

Actually they are man. Kids no. The parents?
If you know you broke and fucked up you have the discipline not to have kids and put them in that situation!
You go to school, pay attention, get the best grades, apply for scholarships, grants, aid.. use money and flip.
Network!

I'm not arguing against hard work
I am arguing against the idea that some ppl just have to fight 4x as hard as the next to be stable through no fault of their own.

I bet there are fewer ppl who are successful and then ended up poor than there are people who were born into poverty and couldnt hurdle those obstacles to get better at a stable level

It shouldn't be on them to work 7x as hard. Just work hard and make a way.

And even in your description it's the old model of how to do it lots of people hate school so many ppl didn't and don't know they could become electricians and other things to make bank with on the job learning experience and being paid for it

Meanwhile you go college route internships are unpaid
If you don't have a rich family how you gonna take an unpaid internship in a big city?

So the cycle continues well off ppl can do those things then keep getting the leg up

Again

I'm not arguing against working hard
But I am arguing against needing to work 7x as hard to have a decent life when others don't and then they'll shit on you about how come you can't make it.

Well if you had to work 7x as hard like me would you?
Probably not.

 

[TENT]

Well many of your examples would not be an issue if the offending party had discipline like I said.
If you went to school and had good grades and networked and knew about money and had discipline in life.
You could survive everything you listed.

Save money, wife should not drink, have discipline not to be wasteful, live below your means.

Discipline.

I don't buy it.

It takes 18 years to reach adulthood. How can you guarantee their living standards and success for that long?

You could be making six figures a year and lose your job overnight. A medical expense could bankrupt you. Economy could collapse and wipe out all of your savings. A natural disaster destroys your home and the insurance company doesn't pay out because of a loophole. Your wife could develop an expensive alcohol or gambling addiction.

Even if your money stays on point, what happens if you get divorced? What if you or your spouse dies? What happens if one of your teenagers start fucking up because a teacher touched them in elementary school?

There are a million different things that could turn you from an upstanding family man to the kind of person who should have been disciplined enough to not have kids and put them in "that situation".

If everybody took your attitude there wouldn't be any kids.

 

[TENT]

Dude. I understand but life is not fair and it is hard.

I am super short, ugly face, bald and fat.

I cannot control much of this because of bad genetics.

I have to work 300x as hard.

I got to eat way less food than someone 6'2" not to look like a fucking blimp.

If they do 10 push ups, I have to do 500 to look the same.

I can't play basketball or football with any tall and big people. It makes no sense!

So don't tell me about hardship. You have to work harder when shit is hard!!

I'm not arguing against hard work
I am arguing against the idea that some ppl just have to fight 4x as hard as the next to be stable through no fault of their own.

I bet there are fewer ppl who are successful and then ended up poor than there are people who were born into poverty and couldnt hurdle those obstacles to get better at a stable level

It shouldn't be on them to work 7x as hard. Just work hard and make a way.

And even in your description it's the old model of how to do it lots of people hate school so many ppl didn't and don't know they could become electricians and other things to make bank with on the job learning experience and being paid for it

Meanwhile you go college route internships are unpaid
If you don't have a rich family how you gonna take an unpaid internship in a big city?

So the cycle continues well off ppl can do those things then keep getting the leg up

Again

I'm not arguing against working hard
But I am arguing against needing to work 7x as hard to have a decent life when others don't and then they'll shit on you about how come you can't make it.

Well if you had to work 7x as hard like me would you?
Probably not.

 

[meilmarc]

I beg to differ. CCs are an
excellent way to build and
keep a good credit rating.
I use CCs for ALL transactions
that most people would use
cash for. Then, every month, pay
the full balance back to zero. I
just cashed in $760 worth of
cash back dollars straight back
into my account, all because I use
the card for so many purchases
each month. Its free money and
my credit scores are >800.

This

 

[zod16]

Actually they are man. Kids no. The parents?
If you know you broke and fucked up you have the discipline not to have kids and put them in that situation!
You go to school, pay attention, get the best grades, apply for scholarships, grants, aid.. use money and flip.
Network!

It doesn't work like that.

I went to a very competitive university and grad school and now I volunteer as a mentor for low income kids. How exactly did the kid who had a family friend as their alumni interviewer and is also a "legacy" at the school they are applying to work "harder" than any of the kids I mentor who live in fucking cars or extended stay motels?

We do not have a meritocracy and never have had one. Hard work and good behavior etc. are important but a tiny part of the equation. There is a reason that it is called the Horatio Alger myth. As a country, we are really in denial about the availability of opportunity and social mobility generally. Europe has far more mobility than here and much more equal access to education but we all drink the kool-aid...

 

[TENT]

Their parents worked hard and had discipline. Please read what I wrote. I did talk about the parents and their responsibility in this.

Then I talked about the kids and their responsibility. Are these kids studying HARD and getting perfect scores?

Of course, the mentally ill and handicapped are not what I am talking about.

This world is racist and it is not fair.

However you aint gonna get any where talking about it all day.

It doesn't work like that.

I went to a very competitive university and grad school and now I volunteer as a mentor for low income kids. How exactly did the kid who had a family friend as their alumni interviewer and is also a "legacy" at the school they are applying to work "harder" than any of the kids I mentor who live in fucking cars or extended stay motels?

We do not have a meritocracy and never have had one. Hard work and good behavior etc. are important but a tiny part of the equation. There is a reason that it is called the Horatio Alger myth. As a country, we are really in denial about the availability of opportunity and social mobility generally. Europe has far more mobility than here and much more equal access to education but we all drink the kool-aid...

 

[largebillsonlyplease]

Well many of your examples would not be an issue if the offending party had discipline like I said.
If you went to school and had good grades and networked and knew about money and had discipline in life.
You could survive everything you listed.

Save money, wife should not drink, have discipline not to be wasteful, live below your means.

Discipline.

That's just simply not true
and especially for black people
You can do everything right and still not get to where someone who worked less than you did but started further did.
has nothing to do with discipline

It's just wildly irresponsible to say discipline is the reason
these people are surviving strictly because of discipline in the first place.

 

[largebillsonlyplease]

Dude. I understand but life is not fair and it is hard.

I am super short, ugly face, bald and fat.

I cannot control much of this because of bad genetics.

I have to work 300x as hard.

I got to eat way less food than someone 6'2" not to look like a fucking blimp.

If they do 10 push ups, I have to do 500 to look the same.

I can't play basketball or football with any tall and big people. It makes no sense!

So don't tell me about hardship. You have to work harder when shit is hard!!

Yea but there also isn't a genetic system to move the goal post on what you need to do to get rid of your weight
and then there isn't another genetic system making sure all the things you are doing to work 300x as hard don't work for you.
so even in your own personalized example it ain't even like being poor.

 

[Politic Negro]

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[TENT]

I am not talking about life being fair or equal. Are you reading what I am posting.

I said you have to have discipline.

AS A BLACK PERSON IN THIS WORLD YOU HAVE TO WORK HARDER.

That's just simply not true
and especially for black people
You can do everything right and still not get to where someone who worked less than you did but started further did.
has nothing to do with discipline

It's just wildly irresponsible to say discipline is the reason
these people are surviving strictly because of discipline in the first place.

 

[Dannyblueyes]

Well many of your examples would not be an issue if the offending party had discipline like I said.
If you went to school and had good grades and networked and knew about money and had discipline in life.
You could survive everything you listed.

Save money, wife should not drink, have discipline not to be wasteful, live below your means.

Discipline.

Discipline is vital, but it won't stop a natural disaster. Discipline is not a psychic power that can vet all the adults in your child's life. Nor is it a crystal ball that can predict a financial collapse.

Besides, even if you are the most disciplined person in the world you can still die in a traffic accident because the driver behind you wasn't. Sure, you might be disciplined enough to have a generous life insurance policy, but so what? All the money in the world won't replace you as a father and a husband and you have no idea how the trauma of your loss will affect the rest of the family.

Saying you should have a wife that doesn't drink? By that standard more than three quarters of American women would be disqualified from marriage let alone childbirth. Even though the overwhelming majority of adults never have an alcohol problem. Same applies with gambling.

So no, you're not asking potential parents to be disciplined. You're asking them to be disciplined, psychic, mind reading teetolars who have gone through their entire life without a single mistake and can somehow assure the world that they're not going to make another one for at least two decades more.

Again, if we expected all parents to live up to that standard there would be no children in this country.

 

[mrcmd187]

 

[zod16]

Their parents worked hard and had discipline. Please read what I wrote. I did talk about the parents and their responsibility in this.

Then I talked about the kids and their responsibility. Are these kids studying HARD and getting perfect scores?

Of course, the mentally ill and handicapped are not what I am talking about.

This world is racist and it is not fair.

However you aint gonna get any where talking about it all day.

You literally are just making shit up. I could write 10,000 words on the number of loopholes exploited by the affluent that are literally unavailable to low/middle income people. What part of "hard work" is exploiting a loophole designed to help the disabled?

Students who attend wealthy high schools appear more likely than those who attend low-income high schools to get extra time on the SAT and other exams, according to a new analysis by The Wall Street Journal. At some wealthy high schools identified by the Journal, one in four students is permitted to have extra time on tests by virtue of having claimed a disability. At low-income high schools, the total is 1.4 percent on average, the Journal found.

Who Gets Extra Time on the SAT? The Affluent

Students who attend wealthy high schools appear more likely than those who attend low-income high schools to get extra time on the SAT and other exams, according to a new analysis by The Wall Street Journal. At some wealthy high schools identified by the Journal, one in four students is...

www.insidehighered.com

 

[meilmarc]

Shit I use my credit cards for everything. Cash back or travel points. Plus protection of your bank accounts and extra warranty credit cards are the way to go if you pay them off monthly.

Used my travel points and paid less than $200 for Both roundtrip flights to Puerto vallarta and Costa Rica. Puerto Vallarta cost me $104 and Costa Rica cost me $75, roundtrip.

 

[sinsay]

The crazy thing is that as bad as some of these credit card APRs and car note terms can be, they are nothing compared to the payday loan bullshit out there.

There is absolutely nothing wrong with responsible credit use and in fact, you can come out ahead if you use one that has some type of rewards program. Use that shit like you would your debit card for day to day things and bills when possible and keep your real money in your bank account until it’s time to pay the CC bill off. That way you avoid the interest all together but taking in the reward points/miles. I have one cash back card that at the end of the year I typically get a check for a couple hundred bucks and a miles card that essentially gives me two free flights a year.

But payday loans are the worst thing anybody could possibly engage in unless you plan on filing for bankruptcy immediately after (and assuming it’s unsecured). Just horrible and pretty muchGuaranteed to pay at least 6-7 times the original loan principal.

 

[Hey Julian!]

Is this something new. Secured credit cards have been around for a while now.

 

[TENT]

So what do you recommend?

If you are born with below average intelligence, you can't understand math....

Do you avoid math or study harder? Get a free tutor! Join a study group! Learn how to cheat! Fuck.

I just dont know why you are disagreeing. You pointing out exceptions. Sure there are exceptions to every rule.

So what you wanna go about that really?

See below comments:

Discipline is vital, but it won't stop a natural disaster. Discipline is not a psychic power that can vet all the adults in your child's life. Nor is it a crystal ball that can predict a financial collapse.

(If you are disciplined with your spending from day 1. It can help during a financial collapse. Did you read what I wrote? I talked about discipline, working hard and networking)?

Besides, even if you are the most disciplined person in the world you can still die in a traffic accident because the driver behind you wasn't. Sure, you might be disciplined enough to have a generous life insurance policy, but so what? All the money in the world won't replace you as a father and a husband and you have no idea how the trauma of your loss will affect the rest of the family.

(Yes. You can die in a traffic accident. That would be tragic. Life is not fair. What does this have to do with credit cards? Why are you bringing this up? Just because? Ok. You are right. Somethings are out of your control when driving. This thread is about credit and being discipline with credit).

Saying you should have a wife that doesn't drink? By that standard more than three quarters of American women would be disqualified from marriage let alone childbirth. Even though the overwhelming majority of adults never have an alcohol problem. Same applies with gambling.

(No I said your wife should be disciplined and not drink. Her having a drinking happen is lack of discipline. If she doesn't have it. She doesn't have it. But she should have discipline. That is my point).

So no, you're not asking potential parents to be disciplined. You're asking them to be disciplined, psychic, mind reading teetolars who have gone through their entire life without a single mistake and can somehow assure the world that they're not going to make another one for at least two decades more.

(Where did I talk about mind reading. You are talking a simple concept of "self discipline" and get super emotional about it. You are not listening to what I am saying and running away with this topic).

Again, if we expected all parents to live up to that standard there would be no children in this country.

(No. There might be less children. No children is just stupid. Now you just are fucking with me and arguing just to argue).

 

[TENT]

I am not making anything up.

Are you reading what I wrote or are you making stuff up in your head?

I said "the poor have to be more disciplined".

Why would that be viewed as a negative thing?

They HAVE to work harder.

That is a fact.

If you are poor and someone else has and advance and you want to catch up to them...

You have to work harder son!

Life is not fair.

So now go read what you wrote and explain to me why you wrote that to me.

How am a wrong for what I am saying?

You BGOL niggas and CAC be weird as fuck sometimes.

You literally are just making shit up. I could write 10,000 words on the number of loopholes exploited by the affluent that are literally unavailable to low/middle income people. What part of "hard work" is exploiting a loophole designed to help the disabled?

Students who attend wealthy high schools appear more likely than those who attend low-income high schools to get extra time on the SAT and other exams, according to a new analysis by The Wall Street Journal. At some wealthy high schools identified by the Journal, one in four students is permitted to have extra time on tests by virtue of having claimed a disability. At low-income high schools, the total is 1.4 percent on average, the Journal found.

Who Gets Extra Time on the SAT? The Affluent

Students who attend wealthy high schools appear more likely than those who attend low-income high schools to get extra time on the SAT and other exams, according to a new analysis by The Wall Street Journal. At some wealthy high schools identified by the Journal, one in four students is...

www.insidehighered.com

 

[TENT]

If you have a stuttering problem but you want to be a public speaker.
What do you do?
Do you complain about how other people don't stutter and life isn't fair?
Is doing that going to make you a better speaker?
Or do you work harder, learn techniques to control your stuttering.
Some get a little and some get none.

 

[Dannyblueyes]

So what do you recommend?

If you are born with below average intelligence, you can't understand math....

Do you avoid math or study harder? Get a free tutor! Join a study group! Learn how to cheat! Fuck.

I just dont know why you are disagreeing. You pointing out exceptions. Sure there are exceptions to every rule.

So what you wanna go about that really?

See below comments:

My beef is that you're declaring that people shouldn't have kids if they don't meet your standards of hard work and discipline. You're also saying that with these two qualities alone you can survive any potential crisis.

Which is all complete bullshit. These "exceptions" you speak of only prove that point further.

So how do I want to go about that? How about going with the idea that if a couple wants to have kids they should have kids. If they don't feel that they're prepared they should get prepared until THEY feel they are ready. Neither you or I get to decide that standard because it's impossible to know how far a family can rise or fall in 18 years.

Suggesting otherwise is arrogant and ignorant. Kind of like your claim that addiction is caused by a lack of discipline. Try telling that to Prince or Michael Jackson.

 

[TENT]

See comments below. I think I made my point ever clear.

My beef is that you're declaring that people shouldn't have kids if they don't meet your standards of hard work and discipline. You're also saying that with these two qualities alone you can survive any potential crisis.

(It is not my standard. It would be their standard for living a comfortable life. For example, If you don't have a job and live on welfare and you have 4 kids what sense does that make? Then you complain about life being tough? Did you have discipline and go to school? Probably not. Why are you having kids when you know you make no income? This is just an example but sorry but not sorry. You did do that to yourself and also your kids. Now your kids have to be even more discipline and hard working to overcome the disadvantage. At some point someone lacked the discipline to make things right. That is my point. I have idea why you do not get it. It has nothing to do with my "standards". I dont give a fuck. But don't come complaining if you fucked up and aren't willing to put in the work to change things).

Which is all complete bullshit. These "exceptions" you speak of only prove that point further.

So how do I want to go about that? How about going with the idea that if a couple wants to have kids they should have kids. If they don't feel that they're prepared they should get prepared until THEY feel they are ready. Neither you or I get to decide that standard because it's impossible to know how far a family can rise or fall in 18 years.

(Who do you think I am in control of buddy? Wtf. Yeah if you do not have a foundation and you fuck up. Do not complain then. You should have planned better. If you plan a trip to California you got to plan and make sure everything is in order. If shit happens you can't complain. You should have had the discipline to plan your trip).

Suggesting otherwise is arrogant and ignorant. Kind of like your claim that addiction is caused by a lack of discipline. Try telling that to Prince or Michael Jackson.

(Addiction is lack of discipline 99% of the time. Those 2 individuals asked their doctors for the drugs).

 

[Dannyblueyes]

See comments below. I think I made my point ever clear.

The coronavirus pandemic put a lot of people in the exact situation you just described. No job, living on welfare, raising four kids. Many of these parents went to school, worked hard, and did just about anything you could imagine to build that foundation you speak of. The only thing they failed to do was predict a global medical catastrophe. Same thing practically every world leader failed to do.

You're also starting with the idea that every person on welfare is just content to sit back collect a check and blame everybody else for their problems. Yes, the people you described do exist, but they are few and far between.

Also, how do you compare planning a trip to California, to an 18-year commitment to raise a child?

Those two individuals you speak about had a ridiculous amount of discipline. More than you and I could ever hope to have. That's why they became two of the greatest performers in the world. However despite all of that discipline they still fell victim to fatal addictions.

Addiction is not caused by a lack of willpower. It's caused by a substance or activity hijacking the neurochemistry of the brain. It's a sickness not a weakness.

 

[TENT]

Ok. You really hurt by this huh? You running with it huh? Is this your crusade?

People should just do anything they feel like doing with no consequences? No one is in control of their own destiny?

They cannot change their life and circumstance? Everything is out of their control.

Plan for a rainy day.

You need to buy the umbrella on a sunny day. If you wait for the rainy day it will be too late.

No car insurance? Well now you got into an accident. You should have had insurance!

Insurance too much? Should have taken the bus. Can't afford the bus? Walk!

That is life buddy!!!

I just had the shittest dinner ever? Why cause I am unemployed.

I didn't want to drink a protein shake for dinner.

I wanted filet mignon!!

But I have the discipline not to max out my credit cards until I have income flowing in!!!!!

That is what I am talking about buddy. A foundation of core discipline.

You aren't gonna change my mind bring up outrageous scenarios.

The coronavirus pandemic put a lot of people in the exact situation you just described. No job, living on welfare, raising four kids. Many of these parents went to school, worked hard, and did just about anything you could imagine to build that foundation you speak of. The only thing they failed to do was predict a global medical catastrophe. Same thing practically every world leader failed to do.

You're also starting with the idea that every person on welfare is just content to sit back collect a check and blame everybody else for their problems. Yes, the people you described do exist, but they are few and far between.

Also, how do you compare planning a trip to California, to an 18-year commitment to raise a child?

Those two individuals you speak about had a ridiculous amount of discipline. More than you and I could ever hope to have. That's why they became two of the greatest performers in the world. However despite all of that discipline they still fell victim to fatal addictions.

Addiction is not caused by a lack of willpower. It's caused by a substance or activity hijacking the neurochemistry of the brain. It's a sickness not a weakness.

 

[Dannyblueyes]

Ok. You really hurt by this huh? You running with it huh? Is this your crusade?

People should just do anything they feel like doing with no consequences? No one is in control of their own destiny?

They cannot change their life and circumstance? Everything is out of their control.

Plan for a rainy day.

You need to buy the umbrella on a sunny day. If you wait for the rainy day it will be too late.

No car insurance? Well now you got into an accident. You should have had insurance!

Insurance too much? Should have taken the bus. Can't afford the bus? Walk!

That is life buddy!!!

I just had the shittest dinner ever? Why cause I am unemployed.

I didn't want to drink a protein shake for dinner.

I wanted filet mignon!!

But I have the discipline not to max out my credit cards until I have income flowing in!!!!!

That is what I am talking about buddy. A foundation of core discipline.

You aren't gonna change my mind bring up outrageous scenarios.

LOL. Your examples are insane.

No, it's not ridiculous to buy an umbrella on a rainy day when you can get one at the local bodega for $4.

Then you accuse me of bringing up outrageous scenarios? Scenarios like a natural disaster, a global pandemic, or a worldwide economic crisis? Things that actually happened within the last 18 years in devastated millions of lives. Including the lives of children that were born in 2003 or later.

Then you accuse me of all or nothing thinking. Either you're the kind of person who buys an umbrella in the middle of July or you feel like you should be able to go through life with no consequences. Either you prepare for a global pandemic that almost nobody predicted, or you believe that everything is out of your control.

Most people are in the middle of these two extremes. They make every reasonable preparation and precaution to live a decent life and yet they still struggle. All of that hard work and discipline is only part of the equation.

Yet you still say they shouldn't have kids.

One of the reason this offends me so much is that in 2012 my boss told me that people in my financial condition should not have kids. 9 years later I have a business and he doesn't. You sound just a short-sighted and ignorant as he did.

 

[TENT]

Smh. My point is if you buy the umbrella on a rainy day it will be too late cause you will get wet.

What you gonna respond with "You can doge rain drops and not get that wet"?

What the is wrong with you?

I do not care about your personal issues and how your boss hurt your feelings. I am not your friend yet.

Not to say that we can't be friends. Maybe we could but we would argue all the time cause your are a knucklehead.

Life doesn't care about your feelings.

Your boss was giving you good advice based on your situation then. He didn't mark you for life.

You should have assumed positive intent even though it may have "sounded" negative.

Now the people who had discipline and saved up money before COVID, are in a better place than they would have if they didn't.

So there is were discipline helps the average person.

But your saying people should not have discipline? That is what you are saying.

You are mad cause your boss hurt your feelings years ago and you are pouring it out in this thread?

Get a grip.

LOL. Your examples are insane.

No, it's not ridiculous to buy an umbrella on a rainy day when you can get one at the local bodega for $4.

Then you accuse me of bringing up outrageous scenarios? Scenarios like a natural disaster, a global pandemic, or a worldwide economic crisis? Things that actually happened within the last 18 years in devastated millions of lives. Including the lives of children that were born in 2003 or later.

Then you accuse me of all or nothing thinking. Either you're the kind of person who buys an umbrella in the middle of July or you feel like you should be able to go through life with no consequences. Either you prepare for a global pandemic that almost nobody predicted, or you believe that everything is out of your control.

Most people are in the middle of these two extremes. They make every reasonable preparation and precaution to live a decent life and yet they still struggle. All of that hard work and discipline is only part of the equation.

Yet you still say they shouldn't have kids.

One of the reason this offends me so much is that in 2012 my boss told me that people in my financial condition should not have kids. 9 years later I have a business and he doesn't. You sound just a short-sighted and ignorant as he did.

 

[jagu]

I use my credit card fir everything. Even for 99 cent bottle of water.

 

[TENT]

Points? What is your go to card?

I use my credit card fir everything. Even for 99 cent bottle of water.

 

[xxxbishopxxx]

Dude. I understand but life is not fair and it is hard.

I am super short, ugly face, bald and fat.

I cannot control much of this because of bad genetics.

I have to work 300x as hard.

I got to eat way less food than someone 6'2" not to look like a fucking blimp.

If they do 10 push ups, I have to do 500 to look the same.

I can't play basketball or football with any tall and big people. It makes no sense!

So don't tell me about hardship. You have to work harder when shit is hard!!

the irony of your statement is all the shit you listed you won't be able to do no matter how hard you work.

 

[TENT]

Nothing ironic. My point is you work hard on what you can fix!!!

You control your weight, your personality, your network.

If you are a kind, decent, helpful pleasant person to people, you can over look your short comings.

But I see y'all niggas just want to be contrarians for shits and giggles y'all aint trying to build and share knowledge and grow.

You just want to talk shit and shoot people down.

That's that fuck nigga shit.

I said mad powerful uplifting shit and y'all wanna twist it as negative.

the irony of your statement is all the shit you listed you won't be able to do no matter how hard you work.

 

[jagu]

Points? What is your go to card?

Im loaded in points but my Amex platinum is my favorite card for points.

 

[xxxbishopxxx]

Nothing ironic. My point is you work hard on what you can fix!!!

You control your weight, your personality, your network.

If you are a kind, decent, helpful pleasant person to people, you can over look your short comings.

But I see y'all niggas just want to be contrarians for shits and giggles y'all aint trying to build and share knowledge and grow.

You just want to talk shit and shoot people down.

That's that fuck nigga shit.

I said mad powerful uplifting shit and y'all wanna twist it as negative.

You are literally shitting on people who aren't like you (while talking about how nice people win...lol). What upliftment are you providing for poor folk who ain't like you?

 

[kdogg3270]

The crazy thing is that as bad as some of these credit card APRs and car note terms can be, they are nothing compared to the payday loan bullshit out there.

don't even get me started on that shit. should be illegal.

 

[zod16]

Im loaded in points but my Amex platinum is my favorite card for points.

That and the Sapphire Reserve are my go to cards. They pay for themselves...