Juat a rant, ignore me

[Takeda Shingen]

Originally Posted by Ducimus

I hadn't really looked at this commercials as, "Hey lets cheat the credit card company!", but more of a thing targeted to financially irresponsible dillweeds, and a sign that there must be alot of them if their making commercials like this. Fallout from the "instant gratification" society i suppose.

My ex was terrible. Every christmas, she'd put her self 1500 to 2000 dollars in the hole buying gifts. Not to mention Payday loan's (aka loan sharks), multiple credit cards, etc. It's all a vicious circle, and downward spiral when someone refuses to man up, and endure the hardships that being a financially irresponsible, consumerist schmuck, and shopohaulic brings.

Yeah, i know EXACTLY who those commercials are targeted at. People like my ex.

Absolutely. Payday loans are the worst thing that you could possibly do, and those people just prey upon the desperate and irresponsible. Frankly, credit cards are little better. The downfalls of our society of consumerism; we are to want things that we cannot have, and likely do not need.

Personally, I have never touched a credit card. I have zero debt; I have paid off my mortgage and my car. The hundreds of credit card offers I get in the mail every month go promptly in the shredder. They are as a very seductive poison, and a piece of advice that I always give my students is that one of the fastest ways to ruin your life is to mismanage your finances.

I have paid off my mortgage

How did you do that? I am so envious of anyone who can do such a thing as paying off the mortgage. You must be one of the rich. Your effective taxes must be around 93%.

If not they will be under the top 1% class warfare. And you shoulfd be doing anything to reduce your tax rate.