Fuck The American Dream Before It Fucks You

[jhale667]

[Hardrock69]

Sarah Palin had nothing to do with running the country the last four years.

Aw...hims all sad the stoopid bitch did not get elected to the VP slot....

Many of you liberals are going to get a hard lesson on that in the near future.

And the Cuntservatives will not? Are they somehow kind of exempt from the realities of life?

Wait a minute....of course they are....they think they are better than everyone else, and (like policitians) don't give a damn about the poor, the sick, the elderly, the downtrodden.....

[Headly1984]

If ya got debt beyond your mortgage - it is your own damn fault - if ya cannot afford a 15 yr mortgage - ya bought too much house - again, your own damn fault

pay cash for cars / trucks & toys like motorcycles - use credit cards with the most points or cash back for everything and pay em off monthly so ya get something for your $ & if ya didn't buy Visa when it went public - why not ? it owns most every idiot and was a no brainer

- ya can still trade V option puts and calls for quick $ if ya can get a feel for the market

the American Dream is Freedom & independence

Credit cards were not accepted when 1st introduced - they were contrary to the American way - suckers got turned upside down and faied to understand $ , they are nothing but a loan in your wallet with usury interest rates

[Headly1984]

It's not just a house. The world runs on credit. For example, my car breaks down, I need to get it fixed, the mechanic wants to be paid in credit rather than cash. Need a rental in the meantime? I need credit for that, too. Traveling and need a place to stay? That''s right, credit. Back when I was in college I could not believe the credit vultures who hung around the student unions preying on unsuspecting students, hooking them up with great (introductory) interest rates by offering them a t-shirt and lame ski passes. Everything was wonerful for most until the bills came due and the interests rate was only a 60 day offer. Ethics aside, you can't get around it. You need it to just get by anymore.

As for a car I would never buy new and/or lease. Total waste of money.

I never met anyone who works for themselves who didn't think Cash is King

When negotiating always pay cash, and use 100's - they speak louder than 20's/50's - the metric of 10 = 1000 is not lost on any seller or service provider

dig it

[Kristy]

I never met anyone who works for themselves who didn't think Cash is King

When negotiating always pay cash, and use 100's - they speak louder than 20's/50's - the metric of 10 = 1000 is not lost on any seller or service provider

dig it

Now you're back to being a asshole.

[Headly1984]

Hear me now, listen to me later - cash is king

I have saved $ on everything from home/auto repair to buying cars/trucks/motorcycles by using cash

better to get a personal loan for under 10% and have cash in hand than use credit card w/18% apr. for a new furnace / roof

Cash is quiet .. mechanics don;t have to report cash transactions(well technically they have to - but rules can be bent) - nor do roofers - credit is good for Amazon.com purchases but that is small $$

.. why 100's - metric - people get sick of counting to 5 for 100 in 20's and after a few hundred people get tired of counting 20's

100's are kindergarten math - everyone knows 10 x 100 = 1000 or 50 x 100 = 5k

cash is king

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Mother told me, yes, she told me I'd meet girls like you. She also told me, "Stay away, you'll...never know what you'd catch"

[Kristy]

Hear me now, listen to me later - cash is king

Okay, when it comes to buying weed, pussy and/or furniture to enjoy the former

I have saved $ on everything from home/auto repair to buying cars/trucks/motorcycles by using cash

Only if you have the $$$ at the time to FULLY pay for it. Otherwise, it's credit.

better to get a personal loan for under 10% and have cash in hand than use credit card w/18% apr. for a new furnace / roof

Lay off the bad acid when posting, okay?

Cash is quiet .. mechanics don;t have to report cash transactions(well technically they have to - but rules can be bent) - nor do roofers - credit is good for Amazon.com purchases but that is small $$

.. why 100's - metric - people get sick of counting to 5 for 100 in 20's and after a few hundred people get tired of counting 20's 100's are kindergarten math - everyone knows 10 x 100 = 1000 or 50 x 100 = 5k

cash is king

Cash is shit. Cash does not mean shit. Cash does not mean shit to a bank manger or loan officer. Credit does. Again, numbnuts, the world runs on two things: hate and credit. I already have one of the two.

[Headly1984]

My credit score is 800+

I use credit wisely - if you do not have cash - ok, that is problem #1

get out of debt - get the credit score up and get ahead

don;t rent - buy a house & build equity

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home equity loan or personal loan is better than credit card debt - UNLESS - you shuffle cards - take advantage of low intr. apr, then b4 that expires open new low apr card and transfer - never pay double digit % interest

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Furniture is a chick thing - no one needs a new oak table with matching chairs for $2k-3k - why ?

buy vintage - it is classy if ya buy right

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Mattress - yeah, ya buy that new and always get a king - queen is a bit tight unless ya cuddle every single night - which would be nice but, king is nicer for everyday comfort imo

[Kristy]

Are you on dope?

My goal is to own a home by the time I am 35. And, unlike the majority if he fucking cretins on this site, it won't:

Have wheels

Be under a bridge

or

Section 8

For now, I need to establish (more) credit. To establish credit I need to use credit. See...see how the god damn system works? Like I said, unless I win the lottery, credit is the only way I'll get there.

[sadaist]

Okay, when it comes to buying weed, pussy and/or furniture to enjoy the former
.

I bought weed....which made me get pussy.....that later took all my good furniture

[Headly1984]

I got a friend in the Denver are who is in real estate - he buys rehabs and flips, or rents - if you get serious he could show you how to get started - he is also a p/t loan officer for a Denver bank for people willing to rehab a home

1st - contact your local community development office to see what 1st time home owner incentives they have - do the same with big banks in your area and the USDA suburban Home ownership program - it is all income eligible but the income limits are fairly high

buy a 2 family to start imho - interest rates are so low it is like free $$$ right now

I bought my house at 30 - a little later than I woulda liked - I will own it w/in 3 yrs - by age 45 free and clear

[Kristy]

I bought weed....which made me get pussy.....that later took all my good furniture

Dude, you need to join a cult or something. Seriously.

[Headly1984]

if you need to use credit get an amex card - use it for all your gas & groceries - pay it off monthly - get free stuff for doing so =) !!

[Kristy]

1st - contact your local community development office to see what 1st time home owner incentives they have - do the same with big banks in your area and the USDA urban Home ownership program - it is all income eligible but the income limits are fairly high

I have a mortgage loan officer who is a close friend but it's still going to be a while. As for flipped houses - they just shitholes with the permanent smell of cat shit and fresh paint. At least the ones I've seen.

[Kristy]

Or for when I need a car rental, renter's insurance, a new fucking alternator....