Screaming Eagle
Active Member
- Oct 8, 2009
- 562
- 66
- 28
I don't think anyone under 45 should be held responsible for their actions.
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No
When we have to spend a trillion dollars to bail out companies for bad debt, we have an obligation to force them to be responsible.
Adults should not need the Government to protect them. Neither should banks. Yet the banks got the GOP to ammend bankruptcy laws to make it harder to default on personal debt. Then they started with the 0% interest pitches never revealing that the rate went to 25% in ninety days and 35% if you missed a payment.
No
When we have to spend a trillion dollars to bail out companies for bad debt, we have an obligation to force them to be responsible.
Adults should not need the Government to protect them. Neither should banks. Yet the banks got the GOP to ammend bankruptcy laws to make it harder to default on personal debt. Then they started with the 0% interest pitches never revealing that the rate went to 25% in ninety days and 35% if you missed a payment.
The government forced them to be irresponsible, that is the whole problem.
No
When we have to spend a trillion dollars to bail out companies for bad debt, we have an obligation to force them to be responsible.
Adults should not need the Government to protect them. Neither should banks. Yet the banks got the GOP to ammend bankruptcy laws to make it harder to default on personal debt. Then they started with the 0% interest pitches never revealing that the rate went to 25% in ninety days and 35% if you missed a payment.
No
When we have to spend a trillion dollars to bail out companies for bad debt, we have an obligation to force them to be responsible.
Adults should not need the Government to protect them. Neither should banks. Yet the banks got the GOP to ammend bankruptcy laws to make it harder to default on personal debt. Then they started with the 0% interest pitches never revealing that the rate went to 25% in ninety days and 35% if you missed a payment.
A considerable amount of the problems for banks came from government forcing them to loan to people who should not be building up debt. Guess which party was responsible for that? The fucking democrats with their stupid 'help the poor own their own home' stance. Barney (fucking idiot) Franks and the idiots at ACORN etc threatening banks with shit if they did not lend to poor people.
Our fucking goverment was as responsible as the fucking banks for the disaster that befell them and us.
What really stuns me is that people still keep whining about the 'other party's responsibility', very few are capable of seeing that both parties behaved stupidly regarding the banks etc. Constantly, people blame the opposite side and refuse point blank to acknowledge their own party's culpability. Y'all need to grow the fuck up.
The Huffington Post's Jim Randel calls the restrictions for the under-21 crowd "nutty lawmaking" that treats young adults in "paternalistic" fashion. Under the new law, young college students will have to have a co-signer or prove they have some kind of revenue stream before they go into debt. I fail to see how that's nutty. It seems to me the height of financial responsibility to provide young adults with a graduated introduction to the world of credit cards, rather than the current practice of bribing them into debt with a free iPod if they sign up now. Your thoughts?
Credit Card Reform Impacts College Kids Too
This may be an over simplification on the this issue but as I see this, if a young person is able sign up for the US Military at age 18, fight and die for this nation then they should enjoy ALL the rights as adults under the constitution afforded to them under it. If the intention of these laws is to imply that these young people don't have the ability to make decisions on their own then raise the age to 21 across the board. Ths boils down to a parenting issue, if a by the time a young person reaches the age of 18 and does not understand the concept of personal responsibility then that is a poor reflection on the parents not the system, but do not ask these kids to make sacrifices daily for their nation then come home and have them refer to their parents for such mundane things as applying for a credit card or a car loan.
Dogbert, debit cards can be just as risky as credit cards. Most come with compulsory overdraft protection which works like a loan. Banks can charge you what ever they want for an interest rate and are not obliged to warn you when you have gone into overdraft. Some even delay posting charges to your debit card so that you are fooled into thinking you have more cash available than you actually do. Then, if you make more charges, you end up in overdraft with hefty interest to pay.Personal Responsibility can go on so far. I would recommend watching the documentary "Maxed Out: Hard Times" before making wideranging judgment calls on this issue there Navy. Not all the teenagers who get into credit card debt are irresponsible kids who have no idea what they're doing because their parents taught them incorrectly.
I'm not saying you came out and said it like that either, but that's what it came off as.
For the record, this young person does not own a credit card but I do have a debit card.
The Huffington Post's Jim Randel calls the restrictions for the under-21 crowd "nutty lawmaking" that treats young adults in "paternalistic" fashion. Under the new law, young college students will have to have a co-signer or prove they have some kind of revenue stream before they go into debt. I fail to see how that's nutty. It seems to me the height of financial responsibility to provide young adults with a graduated introduction to the world of credit cards, rather than the current practice of bribing them into debt with a free iPod if they sign up now. Your thoughts?
Credit Card Reform Impacts College Kids Too
This may be an over simplification on the this issue but as I see this, if a young person is able sign up for the US Military at age 18, fight and die for this nation then they should enjoy ALL the rights as adults under the constitution afforded to them under it. If the intention of these laws is to imply that these young people don't have the ability to make decisions on their own then raise the age to 21 across the board. Ths boils down to a parenting issue, if a by the time a young person reaches the age of 18 and does not understand the concept of personal responsibility then that is a poor reflection on the parents not the system, but do not ask these kids to make sacrifices daily for their nation then come home and have them refer to their parents for such mundane things as applying for a credit card or a car loan.
I believe anything on the HP is for retards by retards.
A lot of kids get in lifelong debt from credit cards.
No
When we have to spend a trillion dollars to bail out companies for bad debt, we have an obligation to force them to be responsible.
Adults should not need the Government to protect them. Neither should banks. Yet the banks got the GOP to ammend bankruptcy laws to make it harder to default on personal debt. Then they started with the 0% interest pitches never revealing that the rate went to 25% in ninety days and 35% if you missed a payment.
A considerable amount of the problems for banks came from government forcing them to loan to people who should not be building up debt. Guess which party was responsible for that? The fucking democrats with their stupid 'help the poor own their own home' stance. Barney (fucking idiot) Franks and the idiots at ACORN etc threatening banks with shit if they did not lend to poor people.
Our fucking goverment was as responsible as the fucking banks for the disaster that befell them and us.
What really stuns me is that people still keep whining about the 'other party's responsibility', very few are capable of seeing that both parties behaved stupidly regarding the banks etc. Constantly, people blame the opposite side and refuse point blank to acknowledge their own party's culpability. Y'all need to grow the fuck up.
Fucking California Girl
The obvious fucking answer is that fucking people with no fucking credit and no fucking way to pay for debt should not receive a fucking credit card without someone who is fucking responsible to cosign.
I thought I would put it in terms you can fucking understand
Since I used the word "fuck" more than you...........I WIN !!
It's very difficult for me to say, yes your able to go and put your life on the line for your nation, but , you need my permission for a Visa. .
An 18 year old is in more Danger from his/her Visa Account than he is "putting his life on the line for his nation."
How many freakin' 18 year olds are in the Armed Service? How many are actually in combat units?
I'm willing to bet this number is pretty damn small compared to the total number of 18 year olds receiving free credit cards.
Navy
You should know. Some of the worst offenders are young soldiers and sailors being given credit for the first time. They run up massive debt. Some of the personal responsibility should be placed on credit card companies that offer high rate credit cards to people they know are unlikely to be able to pay for it.
It's very difficult for me to say, yes your able to go and put your life on the line for your nation, but , you need my permission for a Visa. .
An 18 year old is in more Danger from his/her Visa Account than he is "putting his life on the line for his nation."
How many freakin' 18 year olds are in the Armed Service? How many are actually in combat units?
I'm willing to bet this number is pretty damn small compared to the total number of 18 year olds receiving free credit cards.
but if said 18 year old does join...they have no problems sending that kid into war....but they dont think he can handle a CC with a set limit like 1,000 bucks....not right....
The Huffington Post's Jim Randel calls the restrictions for the under-21 crowd "nutty lawmaking" that treats young adults in "paternalistic" fashion. Under the new law, young college students will have to have a co-signer or prove they have some kind of revenue stream before they go into debt. I fail to see how that's nutty. It seems to me the height of financial responsibility to provide young adults with a graduated introduction to the world of credit cards, rather than the current practice of bribing them into debt with a free iPod if they sign up now. Your thoughts?
Credit Card Reform Impacts College Kids Too
This may be an over simplification on the this issue but as I see this, if a young person is able sign up for the US Military at age 18, fight and die for this nation then they should enjoy ALL the rights as adults under the constitution afforded to them under it. If the intention of these laws is to imply that these young people don't have the ability to make decisions on their own then raise the age to 21 across the board. Ths boils down to a parenting issue, if a by the time a young person reaches the age of 18 and does not understand the concept of personal responsibility then that is a poor reflection on the parents not the system, but do not ask these kids to make sacrifices daily for their nation then come home and have them refer to their parents for such mundane things as applying for a credit card or a car loan.
Navy
You should know. Some of the worst offenders are young soldiers and sailors being given credit for the first time. They run up massive debt. Some of the personal responsibility should be placed on credit card companies that offer high rate credit cards to people they know are unlikely to be able to pay for it.
Personal Responsibility can go on so far. I would recommend watching the documentary "Maxed Out: Hard Times" before making wideranging judgment calls on this issue there Navy. Not all the teenagers who get into credit card debt are irresponsible kids who have no idea what they're doing because their parents taught them incorrectly.
I'm not saying you came out and said it like that either, but that's what it came off as.
For the record, this young person does not own a credit card but I do have a debit card.
It's very difficult for me to say, yes your able to go and put your life on the line for your nation, but , you need my permission for a Visa. .
An 18 year old is in more Danger from his/her Visa Account than he is "putting his life on the line for his nation."
How many freakin' 18 year olds are in the Armed Service? How many are actually in combat units?
I'm willing to bet this number is pretty damn small compared to the total number of 18 year olds receiving free credit cards.
but if said 18 year old does join...they have no problems sending that kid into war....but they dont think he can handle a CC with a set limit like 1,000 bucks....not right....
The Huffington Post's Jim Randel calls the restrictions for the under-21 crowd "nutty lawmaking" that treats young adults in "paternalistic" fashion. Under the new law, young college students will have to have a co-signer or prove they have some kind of revenue stream before they go into debt. I fail to see how that's nutty. It seems to me the height of financial responsibility to provide young adults with a graduated introduction to the world of credit cards, rather than the current practice of bribing them into debt with a free iPod if they sign up now. Your thoughts?
Credit Card Reform Impacts College Kids Too
This may be an over simplification on the this issue but as I see this, if a young person is able sign up for the US Military at age 18, fight and die for this nation then they should enjoy ALL the rights as adults under the constitution afforded to them under it. If the intention of these laws is to imply that these young people don't have the ability to make decisions on their own then raise the age to 21 across the board. Ths boils down to a parenting issue, if a by the time a young person reaches the age of 18 and does not understand the concept of personal responsibility then that is a poor reflection on the parents not the system, but do not ask these kids to make sacrifices daily for their nation then come home and have them refer to their parents for such mundane things as applying for a credit card or a car loan.