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:	post by Y_Ddraig_Goch at 2008-05-07 13:40:06

ArrowHeadNLI said

The whole point of "your grandparents didn't have debt" being an indicator of some global conspiracy to keep us in debt? Retarded. My grandparents had no debt for two reasons: stronger value of the dollar, and they LIVED WITHIN THEIR FUCKING MEANS.

To the kid that owes 10,000 on their car: Do you NEED a 10,000 car? Could you afford it? Obviously not. You felt entitled to it, couldn't afford it, so you signed a loan for money you do NOT have. Good luck blaming that on the rich oppressors, retard. I paid cash for every car I've owned. And for the record, I own a home, make modest money, and still have a grand total of $50,000 in debt. A little more than one year's salary.

The worst part is all these retards who feel the need to use credit cards and loans to buy things they could NEVER afford in the first place have now fucked the economy for everyone else. I now have to pay for the mistakes of fuckwits like my neighbor who signed on for subprime rates with massive baloon payments.

Meanwhile all I want is a fucking house. When your parents were young, the average cost of a house was 12-20,000, around one year's salary. Nowadays it's closer to TWENTY years of salary, plus hundreds of thousands in interest! Did I sign a loan for massive payments and a baloon payment 20 years down the road? No, I bought something I could actually afford, and only took on 50,000 in debt. For the "good luck buying a house with cash" guy: Suck my dick, it can be done. It's not about discipline, it's about buying things when you can AFFORD them, not when you WANT them.

a ten thousand dollar car is the cheapest new car available to me, a toyota corolla. why buy a 2000 dollar car that will just cost an extra ton of money in repairs and such?

and people don't use loans and credit cards because they feel they have to, it's because they have to. The average rent is 1000 dollars up here in NH, imagine trying to afford that on a job paying under 30,000 a year. that's almost half your money in just rent. Not to mention insurance, gas, and car payments which all together for me is about a thousand a month, look at that another half of my salary....so what is left over for utilities? food? and other necessities.

living within my means you say? I think eating two small meals a day and spending less than 30 bucks a month on entertainment (going out to eat, movies, books, cds, etc.) is living in my means.

I want to get a better education, but guess what, the country is experiencing a major loan shortage.

Now is it my fault that houses are 200,000 on average in NH? as opposed to my grandfather's house that was bought for 12,000 in 1960s?

and honestly, do you not think that credit companies put people in debt on purpose, they love to guile people into debt through whatever devious means they can.

all i'm saying is fuck usury, the christians had one good thing going for them, they outlawed money lending in the old days because they knew it would lead to this kind of state for the people.

basically unless you are born into wealth these days or get lucky with finding a job you are destined for one big circle of debt.

for instance, to get a house, you need a loan, to get a loan, you need good credit, to get good credit, you need to take out a loan or something else involving interest.

if it was my fault I would blame it on myself. I mean, the loans I took out were minimal, I don't even own a cell phone. the car is necessary because there is no public transit between manchester and nashua that is reasonable, and I work in nashua, live in manchester. my student loans were necessary because I didn't have 5000 dollars lying around. I'd love to get into college but I would need to take out loans, fuck that.

everything about capitalism is usury, how to milk people of their money as much as possible

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