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 FellowGrower
Fungal Freedom Fighter
Registered: 05/25/07
Posts: 1,615
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 Getting into Debt; with NO INTENTION of paying it back... bad idea? 
#15772646 - 02/07/12 09:54 AM (1 year, 3 months ago) |
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On the surface; it may seem like a stupid question... Of COURSE you don't do that; right?
well?
...Consider this, ...The money that you borrow from a CC isn't REAL. and if you don't pay it back; no body is coming up in negative...
Think about it; ...we (as a society) have let the GOVT decide morality... and they have concluded that burning a plant and inhaling its vapor is WRONG!!! ...but that borrowing money with no ways or means of paying it back is QUITE OKAY!!! in fact, they won't lock you up for it!!! ...so, wether or not its wrong; I could care less, I only care whats LEGAL! FEEL ME!?!
I don't give a shit about my "Credit" ...I'll never be able to afford the INTREST on the payments even if I WAS able to borrow it b/c the employment and wages around here are BULLSHIT!
...so what do you guys think? am I crazy? ...the way I see it, I'll be helping the economy!!!! b/c thats all our economy is... CONSUMPTION!
AND DONT EVEN GET ME STARTED ON THIS MOVIE!!!.... (and all that it implies)
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 focker919
Stranger
Registered: 05/06/11
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower]
#15772703 - 02/07/12 10:11 AM (1 year, 3 months ago) |
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I think you might want to brush up on your economics...the money you borrow from a credit card is very, very real - if it wasnt you wouldnt be able to buy anything with it. You have a grain of truth in the idea that the CC system is set up with the CC company in mind and not the consumer, and that your debt to them is a drop in the bucket the CC company will never miss. But at the end of the day, you use credit to buy goods with real, quantifiable value. If you dont pay for that credit, someone is, and rest assured it wont be the CC company eating the loss (itll be your fellow 99%).
And as for the legality of it, just because you wont go to jail doesnt make something legal. And you can get thrown in jail if the court feels you intentionally used credit with no intent to pay it back - that makes it straight theft.
*now all that said, ive seriously considered the same question myself many a time...get a few thousand dollars of fun/goods for not being able to get another credit card for 7 years doesnt sound like too bad a deal at first glance*
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XUL
Optimist
Registered: 03/16/05
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Last seen: 22 hours, 58 minutes
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower] 1
#15772706 - 02/07/12 10:12 AM (1 year, 3 months ago) |
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I just feel bad for you. You are throwing away a tool that can help you establish a grand future. "credit"
Quote:
I don't give a shit about my "Credit" ...I'll never be able to afford the INTREST on the payments even if I WAS able to borrow it b/c the employment and wages around here are BULLSHIT!
America is a great place for opportunity as long as you are not lazy. Who knows what you want to buy but before you go and do something stupid take a look at this..
Lets say you are working at mcdonalds making min wage and just scrapping by. Yet you want toys or you have dreams. Well dont throw out your future just because you have a low paying job.
What you want to do is work 2 jobs for 2 years and save all the money you earn from your second job. During those two years you should "establish credit". That means you should make small purchases here and there and be sure to make your payments on time and in full. Doing that will build up your credit.
Now you have some cash in an account and you have some credit.
So now (if you are mature enough to strap down and study) you put all your saved money down on one year of college at an established university. Before you go to school you fill out your FAFSA form and you probably get free money for school. If you absolutely have to then you take out a loan (which you should be able to since you established credit. I would suggest using the credit union PSECU or something like it). When you are going to school you will work 20 or more hours per week, which earns you food stamps and free books from the assistance office. During the summer(or longer if you have to) you work 2 jobs again and save for more college. Repeat this as many times as needed. Most people find a way to get through 4 years of college on grants and or loans but it is VERY possible to pay for cash ( I am doing it ).
After you get your bachelors degree then start saving for your masters degree. Get your masters and get a nice job, buy some toys, keep establishing credit, blow some wads at the bar, and start a family or whatever the hell you like to do.
Personally I talk to a lot of people who sit around and feel sorry for themselves because they have a low paying job and therefor have no future(I used to be one of them). Its a bunch of shit. Its a pity party with intention to justify being a moron.
All you have to do is sacrifice 2-3 years to hard work in order to build your way up. Its a small price to pay for financial success, knowledge, and life experience.
Be an idiot, make a bunch of excuses, and throw your life away if you want. or strap down and work your way to the top like a man.
Edited by XUL (02/07/12 10:17 AM)
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Almond Flour
Registered: 12/26/08
Posts: 9,102
Last seen: 22 days, 17 hours
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: XUL]
#15772783 - 02/07/12 10:39 AM (1 year, 3 months ago) |
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Gonna agree with XUL on this one. DOnt fuck up your credit, escecially for the amount your talking about. Im guessing someone with your mindset doesnt have much "CREDIT" on his card to begin with  That means youll be throwing away a couple thousand dollars in order to ruin a valuable tool. Sorry but its a fail idea.
I get thousands of dollars for free by simply attending school! Dont be a fool and fuck around with your credit, it will bite you in the ass
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In other words, thinking outside the box might be facilitated by having a somewhat less intact box. -Random Doctor 
Women who seek to be equal with men lack ambition -Timothy Leary
Everyone has their own unique brand of toxic psychosis -Alexander Shulgin 
living forever would be a terrible curse if there were not also quality of life to match it.  -Unknown
There may be flies on you and me, but there are no flies on Jesus -Hunter Thompson
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FellowGrower
Fungal Freedom Fighter
Registered: 05/25/07
Posts: 1,615
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: Almond Flour]
#15772883 - 02/07/12 11:05 AM (1 year, 3 months ago) |
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dude... FUCK COLLEGE!!!!
...and no one said anything about the other video I posted about the "The Dollar Bubble" (in OP)
...Either you're oblivious to these things; or? in denial about how fuctdup shit has gotten... "Dreams" ..."Goals" "Aspirations" ...lol ..."Start a family" ...there's no time for any of that...
the middle class is disappearing faster than a line on a crackheads plate...
...I don't give a shit about my credit... I don't give a shit about anything... just give me my disability check, let me play my Xbox360, Forget Pussy; thats why I gotta fleshlight... I'm just trying to make myself comfortable and spend time with my family b/c the 1st thing they will do is separate me from them when they put us into labor camps...
IDK? hell, don't listen to me, I'm depressed... unemployment and lack of sex will fuckin DESTROY A MAN from the inside out!!!
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geokills
∙∙∙∙☼ º¿° ☼∙∙∙∙
Registered: 05/08/01
Posts: 17,709
Loc: city of angels 
Last seen: 4 days, 19 hours
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 Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: XUL]
#15772912 - 02/07/12 11:10 AM (1 year, 3 months ago) |
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Great post XUL. FellowGrower, pull it together man, you're falling apart. 
As for your video, while there is a strong fundamental basis to support strong inflation as we roll forward in time, do not underestimate how long the powers that be can maintain a status quo. For all you and I know, the idea of hyperinflation may not occur in our lifetime. So while you can be mindful of the potential and do your best to prepare yourself through diversification into hard assets, I would never bank on something like hyperinflation occurring for certain, is all I'm saying.
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┼ ··∙ long live the shroomery ∙·· ┼
...╬π╥  ╥π╬...
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Almond Flour
Registered: 12/26/08
Posts: 9,102
Last seen: 22 days, 17 hours
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower]
#15772929 - 02/07/12 11:14 AM (1 year, 3 months ago) |
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Quote:
FellowGrower said:
dude... FUCK COLLEGE!!!!
...and no one said anything about the other video I posted about the "The Dollar Bubble" (in OP)
...Either you're oblivious to these things; or? in denial about how fuctdup shit has gotten... "Dreams" ..."Goals" "Aspirations" ...lol ..."Start a family" ...there's no time for any of that...
the middle class is disappearing faster than a line on a crackheads plate...
...I don't give a shit about my credit... I don't give a shit about anything... just give me my disability check, let me play my Xbox360, Forget Pussy; thats why I gotta fleshlight... I'm just trying to make myself comfortable and spend time with my family b/c the 1st thing they will do is separate me from them when they put us into labor camps...
IDK? hell, don't listen to me, I'm depressed... unemployment and lack of sex will fuckin DESTROY A MAN from the inside out!!!
one of those guys eh? 
just sitting ang praying for the end days so you dont have to put effort into your life
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In other words, thinking outside the box might be facilitated by having a somewhat less intact box. -Random Doctor
Women who seek to be equal with men lack ambition -Timothy Leary
Everyone has their own unique brand of toxic psychosis -Alexander Shulgin
living forever would be a terrible curse if there were not also quality of life to match it. -Unknown
There may be flies on you and me, but there are no flies on Jesus -Hunter Thompson
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Anonymous
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower]
#15773270 - 02/07/12 12:44 PM (1 year, 3 months ago) |
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.
Edited by Anonymous (03/12/12 02:49 PM)
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DieCommie
El Guapo
Registered: 12/11/03
Posts: 25,374
Loc: Street of Dreams
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower]
#15773299 - 02/07/12 12:52 PM (1 year, 3 months ago) |
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Plenty of people do it with student loans, I will likely never fully pay back my student loans. Not much to be gained by doing it with a credit card though.
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Almond Flour
Registered: 12/26/08
Posts: 9,102
Last seen: 22 days, 17 hours
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: DieCommie]
#15774425 - 02/07/12 05:20 PM (1 year, 3 months ago) |
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Quote:
DieCommie said:
Plenty of people do it with student loans, I will likely never fully pay back my student loans. Not much to be gained by doing it with a credit card though.
Hows it work? 25 years of payments then they drop it 
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In other words, thinking outside the box might be facilitated by having a somewhat less intact box. -Random Doctor
Women who seek to be equal with men lack ambition -Timothy Leary
Everyone has their own unique brand of toxic psychosis -Alexander Shulgin
living forever would be a terrible curse if there were not also quality of life to match it. -Unknown
There may be flies on you and me, but there are no flies on Jesus -Hunter Thompson
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I R Crankey
happiness is a warm gun.
Registered: 01/03/10
Posts: 1,738
Loc: Europe, Canada 
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: Almond Flour]
#15774694 - 02/07/12 06:22 PM (1 year, 3 months ago) |
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Quote:
I get thousands of dollars for free by simply attending school!
how?
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Almond Flour
Registered: 12/26/08
Posts: 9,102
Last seen: 22 days, 17 hours
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: I R Crankey]
#15774716 - 02/07/12 06:27 PM (1 year, 3 months ago) |
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Quote:
Wut a Twist said:
Quote:
I get thousands of dollars for free by simply attending school!
how?
pell grant
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In other words, thinking outside the box might be facilitated by having a somewhat less intact box. -Random Doctor
Women who seek to be equal with men lack ambition -Timothy Leary
Everyone has their own unique brand of toxic psychosis -Alexander Shulgin
living forever would be a terrible curse if there were not also quality of life to match it. -Unknown
There may be flies on you and me, but there are no flies on Jesus -Hunter Thompson
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DieCommie
El Guapo
Registered: 12/11/03
Posts: 25,374
Loc: Street of Dreams
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: Almond Flour]
#15775163 - 02/07/12 07:49 PM (1 year, 3 months ago) |
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Quote:
Ethnobotanical said:
Quote:
DieCommie said:
Plenty of people do it with student loans, I will likely never fully pay back my student loans. Not much to be gained by doing it with a credit card though.
Hows it work? 25 years of payments then they drop it
Nah, just low enough payments and a high enough balance svuuch that it will outlive me. 
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meams
Blessed
Registered: 01/11/05
Posts: 17,497
Loc: In a Tree
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: DieCommie]
#15775300 - 02/07/12 08:11 PM (1 year, 3 months ago) |
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OP: bad idea.
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FellowGrower
Fungal Freedom Fighter
Registered: 05/25/07
Posts: 1,615
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: Almond Flour]
#15776421 - 02/07/12 11:29 PM (1 year, 3 months ago) |
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 ...did anyone watch even a PART of the movie I posted? either about college or the dollar bubble...??
...Those movies are (essentially) what "I'm Saying" ...so? its like, I hear what Ya'll are saying, but, YOU arn't hearing what I'M SAYING!
Quote:
Ethnobotanical said:
Quote:
FellowGrower said:
dude... FUCK COLLEGE!!!!
one of those guys eh?
just sitting ang praying for the end days so you dont have to put effort into your life
Uh... ...at this LATE hour in the industrial revolution; this countdown to peak oil, these last years before the ice caps melt entirely...these last couple months that the US dollar maintains its dignity while other markets crash left and right... are no time to be making a 5 year plan... this "WHat do I want to be when I grow up" shit... its BULLSHIT. we're like 1 or 2 natural disasters away from martial law... The will of the people is being TRAMPLED by their elected officials at epic proportions. but, hey, there's still hope?! right?!?! we're gonna see a brighter tommorow!? right?!  12 trillion in debt will be paid back?! right? ...all those jobs we sent to China; they're coming back! right?! soon! right? lol... "They call it the American Dream b/c you have to be asleep to believe in it" -Gorge Carlin (RIP)
Edited by FellowGrower (02/07/12 11:32 PM)
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Almond Flour
Registered: 12/26/08
Posts: 9,102
Last seen: 22 days, 17 hours
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower]
#15776625 - 02/08/12 12:02 AM (1 year, 3 months ago) |
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Quote:
FellowGrower said:
...did anyone watch even a PART of the movie I posted? either about college or the dollar bubble...??
...Those movies are (essentially) what "I'm Saying" ...so? its like, I hear what Ya'll are saying, but, YOU arn't hearing what I'M SAYING!
Quote:
Ethnobotanical said:
Quote:
FellowGrower said:
dude... FUCK COLLEGE!!!!
one of those guys eh?
just sitting ang praying for the end days so you dont have to put effort into your life
Uh... ...at this LATE hour in the industrial revolution; this countdown to peak oil, these last years before the ice caps melt entirely...these last couple months that the US dollar maintains its dignity while other markets crash left and right... are no time to be making a 5 year plan... this "WHat do I want to be when I grow up" shit... its BULLSHIT. we're like 1 or 2 natural disasters away from martial law... The will of the people is being TRAMPLED by their elected officials at epic proportions. but, hey, there's still hope?! right?!?! we're gonna see a brighter tommorow!? right?! 12 trillion in debt will be paid back?! right? ...all those jobs we sent to China; they're coming back! right?! soon! right? lol... "They call it the American Dream b/c you have to be asleep to believe in it" -Gorge Carlin (RIP)
Dude you and every other shmuck for the last 2000 years has been saying this crap.
THe End is near
Look how horrible things are
Omg the economy 
Time to wake up and actually put EFFORT into you life. Ok the world may end tommarow, but it might not! And if it doesnt ill be the one with a steady job, fucking my hot wife, and watching my family grow up while you pump gas renting a room in the slums trying to rebuild your credit by renting redbox movies on your $100 limit credit card to try and turn back the clock of your stupid mistakes .
We were all 18 once bro. I know its a shitty age, but things are no worse now then they have been in the past. I dont see germans matching down the street killing MY grandparents. I dont see the vast majority standing out in the snow trying to get moldy bread because of the great recession 
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In other words, thinking outside the box might be facilitated by having a somewhat less intact box. -Random Doctor
Women who seek to be equal with men lack ambition -Timothy Leary
Everyone has their own unique brand of toxic psychosis -Alexander Shulgin
living forever would be a terrible curse if there were not also quality of life to match it. -Unknown
There may be flies on you and me, but there are no flies on Jesus -Hunter Thompson
Edited by Almond Flour (02/08/12 12:03 AM)
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Bambi
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower]
#15776686 - 02/08/12 12:18 AM (1 year, 3 months ago) |
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Not to be overly rude, but you don't seem to know all of what youre talking about. While we have lost jobs to China, it is still debatable who has a higher manufacturing rate. Also, there is speculation that the US will be energy independent by the end of next year and that we will begin to export energy. With excess energy it will become cheaper to run factories than in some other places, thus creating more jobs. The combination of more manufacturing and the sale of energy could be the start needed to help turn around this debt.
While yes, there is a good chance what youre talking about could occur at some time there is no guarantee it could happen anytime soon. Optimistics still have a some hope to hold on to where the US could potentially turn its self around. And no, i didnt click on your links.
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Almond Flour
Registered: 12/26/08
Posts: 9,102
Last seen: 22 days, 17 hours
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: Bambi]
#15776700 - 02/08/12 12:23 AM (1 year, 3 months ago) |
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Quote:
Bambi said:
Not to be overly rude, but you don't seem to know all of what youre talking about. While we have lost jobs to China, it is still debatable who has a higher manufacturing rate. Also, there is speculation that the US will be energy independent by the end of next year and that we will begin to export energy. With excess energy it will become cheaper to run factories than in some other places, thus creating more jobs. The combination of more manufacturing and the sale of energy could be the start needed to help turn around this debt.
While yes, there is a good chance what youre talking about could occur at some time there is no guarantee it could happen anytime soon. Optimistics still have a some hope to hold on to where the US could potentially turn its self around. And no, i didnt click on your links.
Theres no reason with these types of people. They WANT the world to end so they can justify stupid shit like throwing away important resources for 2k worth of cash
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In other words, thinking outside the box might be facilitated by having a somewhat less intact box. -Random Doctor
Women who seek to be equal with men lack ambition -Timothy Leary
Everyone has their own unique brand of toxic psychosis -Alexander Shulgin
living forever would be a terrible curse if there were not also quality of life to match it. -Unknown
There may be flies on you and me, but there are no flies on Jesus -Hunter Thompson
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Bambi
Stranger
Registered: 03/23/09
Posts: 1,056
Last seen: 7 hours, 11 minutes
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: Almond Flour]
#15777046 - 02/08/12 01:45 AM (1 year, 3 months ago) |
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haha yeah, but just figured id post, i could use the extra posts for my tiny post count
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Anonymous
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Re: Getting into Debt; with NO INTENTION of paying it back... bad idea? [Re: FellowGrower] 4
#15777087 - 02/08/12 01:55 AM (1 year, 3 months ago) |
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Edited by Anonymous (03/12/12 02:49 PM)
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