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/----/ Buy a car within your means, is rule #1. If you want a truck, fine, but don't buy a $50,000 truck when a $25,000 one will serve the same purpose and you can easily afford the payment. Hells Bells, I always but a 2 - 3-year-old car so I don't pay the depreciation. As a result, I get a better car than the new base model at the same cost. But I know people who buy cars, add on options and then negotiate a bad deal with high interest because their credit rating stinks.A recent edition of “The Indicator” stated that over 7M Americans are more than 90 days behind on their car payments. Of that 7M most are probably truck buyers. Nobody has ever needed a $50K truck for a daily personal use vehicle.
Episode 953: Three Sides Of A Car Loan
The economy is doing well for the already well off.
What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.They don’t like it. Basketball and LAX are their sports. Bleh./——/ If you have daughters, ask them to take up golf. There are plenty of scholarships at good schools, and they don’t even have to play well. Women's Golf ScholarshipsYep. Unfortunate but I ll be in a lot of debt very soon when my kids go to college. Such is life in the US.We the people do the same thing the country does...spend money we do not have.
More shoppers plan to take out loan to finance the holidays
One in 3 Americans have or are planning to take out a personal loan to cover holiday shopping expenses, according to survey results Experian shared with Yahoo Money. That’s double from last year’s survey, the credit bureau said.
A booming economy and the country is adding debt at more than a trillion a year and personal debt is at an all time high as well.
View attachment 291988
Americans are way more in debt now than they were after the financial crisis - HousingWire
American household debt continues to climb to record levels, reaching $13.54 trillion in the fourth quarter of 2018.
According to the latest report from the Federal Reserve Bank of New York’s Center for Microeconomic Data, household debt is now $869 billion higher than 2008’s $12.68 trillion peak.
It is also 21.4% above the debt levels seen in the wake of the financial crisis in 2013.
We are so screwed come the next recession.
General rule of thumb for me:I do not judge how others choose to spend their monies. Many do it on vacations, many on 2nd homes, cars, etc. If they want to spend on Xmas gifts then it’s their choice. For me it’s less money and more stupidity. We had friends get 25 presents per kid when our kids were 5 and 6, respectively. After present number 7 the kids get bored so it’s a waste of $$. That I find stupid but you gotta do you.Me too, but I sure as hell ain't takin' out a loan for Christmas presents. I don't put them on credit cards either.Yep. Unfortunate but I ll be in a lot of debt very soon when my kids go to college. Such is life in the US.We the people do the same thing the country does...spend money we do not have.
More shoppers plan to take out loan to finance the holidays
One in 3 Americans have or are planning to take out a personal loan to cover holiday shopping expenses, according to survey results Experian shared with Yahoo Money. That’s double from last year’s survey, the credit bureau said.
A booming economy and the country is adding debt at more than a trillion a year and personal debt is at an all time high as well.
View attachment 291988
Americans are way more in debt now than they were after the financial crisis - HousingWire
American household debt continues to climb to record levels, reaching $13.54 trillion in the fourth quarter of 2018.
According to the latest report from the Federal Reserve Bank of New York’s Center for Microeconomic Data, household debt is now $869 billion higher than 2008’s $12.68 trillion peak.
It is also 21.4% above the debt levels seen in the wake of the financial crisis in 2013.
We are so screwed come the next recession.
A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.They don’t like it. Basketball and LAX are their sports. Bleh./——/ If you have daughters, ask them to take up golf. There are plenty of scholarships at good schools, and they don’t even have to play well. Women's Golf ScholarshipsYep. Unfortunate but I ll be in a lot of debt very soon when my kids go to college. Such is life in the US.We the people do the same thing the country does...spend money we do not have.
More shoppers plan to take out loan to finance the holidays
One in 3 Americans have or are planning to take out a personal loan to cover holiday shopping expenses, according to survey results Experian shared with Yahoo Money. That’s double from last year’s survey, the credit bureau said.
A booming economy and the country is adding debt at more than a trillion a year and personal debt is at an all time high as well.
View attachment 291988
Americans are way more in debt now than they were after the financial crisis - HousingWire
American household debt continues to climb to record levels, reaching $13.54 trillion in the fourth quarter of 2018.
According to the latest report from the Federal Reserve Bank of New York’s Center for Microeconomic Data, household debt is now $869 billion higher than 2008’s $12.68 trillion peak.
It is also 21.4% above the debt levels seen in the wake of the financial crisis in 2013.
We are so screwed come the next recession.
In your opinion, what is the distinction?
In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.They don’t like it. Basketball and LAX are their sports. Bleh./——/ If you have daughters, ask them to take up golf. There are plenty of scholarships at good schools, and they don’t even have to play well. Women's Golf ScholarshipsYep. Unfortunate but I ll be in a lot of debt very soon when my kids go to college. Such is life in the US.
In your opinion, what is the distinction?
Brainwashing does the opposite.
/----/ "In order to think you have to risk being offensive and our society vilifies those they deem offensive."In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.They don’t like it. Basketball and LAX are their sports. Bleh./——/ If you have daughters, ask them to take up golf. There are plenty of scholarships at good schools, and they don’t even have to play well. Women's Golf Scholarships
In your opinion, what is the distinction?
Brainwashing does the opposite.
Maybe yours does.In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.They don’t like it. Basketball and LAX are their sports. Bleh./——/ If you have daughters, ask them to take up golf. There are plenty of scholarships at good schools, and they don’t even have to play well. Women's Golf Scholarships
In your opinion, what is the distinction?
Brainwashing does the opposite.
You're a conservative, it's just a given that you are offended by everyone and everything./----/ "In order to think you have to risk being offensive and our society vilifies those they deem offensive."In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.They don’t like it. Basketball and LAX are their sports. Bleh.
In your opinion, what is the distinction?
Brainwashing does the opposite.
View attachment 292108
Look at this board. I can say, I think Thanksgiving is a great holiday and people will vilify me and the statement because they ll call it offensive to Native Americans and turkeys. People are taught to shut their mouths and not think these days imo.Maybe yours does.In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.They don’t like it. Basketball and LAX are their sports. Bleh.
In your opinion, what is the distinction?
Brainwashing does the opposite.
I am not. You and I discussed the whole biological males who identify as females should not compete against biological females in sports we opened a thread and not one other Democrat agreed with you. Case in point. I am Neither Liberal nor Conservative. I am Logical.You're a conservative, it's just a given that you are offended by everyone and everything./----/ "In order to think you have to risk being offensive and our society vilifies those they deem offensive."In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.
In your opinion, what is the distinction?
Brainwashing does the opposite.
View attachment 292108
Start a thread, I bet you are incorrect.Look at this board. I can say, I think Thanksgiving is a great holiday and people will vilify me and the statement because they ll call it offensive to Native Americans and turkeys. People are taught to shut their mouths and not think these days imo.Maybe yours does.In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?/----/ Let me translate for them FREE EDUCATION and they just might like it if they try it. Besides, there are other sports that they can apply for, as well.
In your opinion, what is the distinction?
Brainwashing does the opposite.
Was directed at CELLBLOCK2429, not you.I am not. You and I discussed the whole biological males who identify as females should not compete against biological females in sports we opened a thread and not one other Democrat agreed with you. Case in point. I am Neither Liberal nor Conservative. I am Logical.You're a conservative, it's just a given that you are offended by everyone and everything./----/ "In order to think you have to risk being offensive and our society vilifies those they deem offensive."In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?
In your opinion, what is the distinction?
Brainwashing does the opposite.
View attachment 292108
You may start a thread. I honestly don’t have the desire.Start a thread, I bet you are incorrect.Look at this board. I can say, I think Thanksgiving is a great holiday and people will vilify me and the statement because they ll call it offensive to Native Americans and turkeys. People are taught to shut their mouths and not think these days imo.Maybe yours does.In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.What is the difference between formal "education" and "brainwashing"?
In your opinion, what is the distinction?
Brainwashing does the opposite.
Thanksgiving is a great holiday.
Oh my bad.Was
Was directed at CELLBLOCK2429, not you.I am not. You and I discussed the whole biological males who identify as females should not compete against biological females in sports we opened a thread and not one other Democrat agreed with you. Case in point. I am Neither Liberal nor Conservative. I am Logical.You're a conservative, it's just a given that you are offended by everyone and everything./----/ "In order to think you have to risk being offensive and our society vilifies those they deem offensive."In order to think you have to risk being offensive and our society vilifies those they deem offensive.A formal education teaches you to think.
Brainwashing does the opposite.
View attachment 292108
Wrong, dipshit. You are the dumb motherfucker who can't see what's right in front of your face.Yet none of you dumbmotherfuckers can tell us how your quality of life is affected by the debt and deficit spending....
We do have control over what happens because we have the power to vote.Yep, and we're doing very little to regulate this, of course.Sounds very familiar.Yep, plus it's polluting the non-corporate side, too.Yep.This is a real concern, but it isn't even what has me a little jittery.
Sub-prime corporate debt is.
.
As the fed interest rate goes down, down, down, investors feel tremendous pressure to chase after higher returns in junk bonds.
There has been a flood of "lending institutions" going after small and mid-size, privately-owned companies, funded by investors desperate for yield. Predictably, because of the competition, they've been going bottom-feeding for quite a while. I wrote a book a couple of years ago on small/mid-size business finance and stumbled onto that little gem totally by accident.
If you have a pulse, they'll lend to you. Sound familiar?
.
Of all the things about the financial services industry which piss me off, this is the one which pisses me off the most. In a low interest environment, investors create a demand for junk high yield instruments. Instead of resisting that pressure, the financial services industry only sees the opportunity to collect fees and so they do everything they can to satisfy the demand. They go totally gonzo creating the very instruments which will bring the whole thing crashing down.
They are totally screwing the capitalist pooch in the ass, and this is why the love of socialism was rekindled after 2008.
Not fun to watch.
.
Why watch and get bummed out over something that you have no control over?
The financial services industry is over 20 percent of the country's GDP, dumbass.I have to pay close attention to stuff like this as I assemble, allocate and monitor client portfolios.Yep, and we're doing very little to regulate this, of course.Sounds very familiar.Yep, plus it's polluting the non-corporate side, too.
There has been a flood of "lending institutions" going after small and mid-size, privately-owned companies, funded by investors desperate for yield. Predictably, because of the competition, they've been going bottom-feeding for quite a while. I wrote a book a couple of years ago on small/mid-size business finance and stumbled onto that little gem totally by accident.
If you have a pulse, they'll lend to you. Sound familiar?
.
Of all the things about the financial services industry which piss me off, this is the one which pisses me off the most. In a low interest environment, investors create a demand for junk high yield instruments. Instead of resisting that pressure, the financial services industry only sees the opportunity to collect fees and so they do everything they can to satisfy the demand. They go totally gonzo creating the very instruments which will bring the whole thing crashing down.
They are totally screwing the capitalist pooch in the ass, and this is why the love of socialism was rekindled after 2008.
Not fun to watch.
.
Why watch and get bummed out over something that you have no control over?
This affects people.
I also have to pay attention to politics for the same reason, unfortunately..
.
You actually get paid to do this fluffer job?
All this time I actually thought you really contributed to society like a plumber or a doctor.
These folks get so desperate to insult that they stop making sense.The financial services industry is over 20 percent of the country's GDP, dumbass.I have to pay close attention to stuff like this as I assemble, allocate and monitor client portfolios.Yep, and we're doing very little to regulate this, of course.Sounds very familiar.
Of all the things about the financial services industry which piss me off, this is the one which pisses me off the most. In a low interest environment, investors create a demand for junk high yield instruments. Instead of resisting that pressure, the financial services industry only sees the opportunity to collect fees and so they do everything they can to satisfy the demand. They go totally gonzo creating the very instruments which will bring the whole thing crashing down.
They are totally screwing the capitalist pooch in the ass, and this is why the love of socialism was rekindled after 2008.
Not fun to watch.
.
Why watch and get bummed out over something that you have no control over?
This affects people.
I also have to pay attention to politics for the same reason, unfortunately..
.
You actually get paid to do this fluffer job?
All this time I actually thought you really contributed to society like a plumber or a doctor.
Did someone hit you on the head with a plumber's wrench?
