It's in the fine print. Essentially they say that if they choose to view you as a credit risk, they can. Their decision is based on factors not limited to your credit score or credit history. Just like they are lowering credit limits on customers right now for no apparent reason. My advice is to pay off your credit cards and leave the credit line open for a quick flip opportunity. Although the CC might clamp down your credit limit as soon as you pay it off.
For those that insist indebtedness is 100% the fault of the debtor: what has creditworthyness to do with vehicular insurance rates?
Boy your really losing it. You must be banging on your keyboard. How would you know who tips and how much? You seem to know a lot about the restaurant industry for someone who appreciates those people so little. Your telling ME why or why not people donât tip or complain a lot? Thatâs sort of like me telling Tiger Woods how to play golf. Maybe some people are a lot like you. I know your type. You stiff the pizza guy and everybody asks why and you say, âwell I already paid for the pizza and he should get a real job anyways. Besides all he did was drive his car over to my house and give me the pizza.â I just googled âblack people donât tipâ. 11,000,000 returns. Wow it must be my service. You obviously donât understand the service industry. I have delivered pizzaâs to the far end of the delivery area in 15 minutes and gotten stiffed and had the customer complain about everything. Then Iâve delivered pizza's that were an hour and 15 minutes across the street and gotten $5 and the customer said donât worry about the delay. I take care of my customers because I want them to order again. Donât presume that just because someone doesnât make money doing something, that itâs because they didnât do something right. I would say that 80% of the time the tip is decided beforehand. Either they already have the money ready when I get to the door, or the tip is already on the credit card that they used on the internet, or the customer had no intention of ever tipping in the first place. I could probably tell with 70-80% accuracy how much someone tips just by looking at them. Sometimes I can just look at the order and the house and what kind of cars they have and know beforehand. So your logic just doesnât add up. Here is an article about tipping. http://www.npr.org/templates/story/story.php?storyId=1329241 You keep referrring to a âvictim mentality,â yet havenât addressed one point of mine. Again Iâll list a few. Just pick one, anyone, and address it. 1. The past 30 years has seen an incredibly high increase in the cost of living making it very difficult to get ahead. 2. The past 30 years has seen an incredible tightening of the job market. This has led to much lower wages due to the over supply of workers seeking jobs. 3. The baby boomers have benefited greatly from the inflation boom that my generation now has to pay for. 4. Most of the debt that people have incurred has not been finance extravagant lifestyles, but rather to pay for such things as medical care and ever increasing cost of living. 5. Credit card companies change the rules in the middle of the game. They can change you interest rate for any reason and at anytime. The entire minimum payments go to interest and therefore the debt is nearly impossible to pay off. 6. Banks and the Fed are allowed to print money out of thin and stick the little guy with the bill through higher inflation. Then when they canât get enough, they get the government to give them a bailout. If the CC companyâs jack the interest rate to 30%, thatâs ok with you? How about 50%? How about when your employer not only never gives you a raise, but actually decreases your pay because they donât care about you, even though youâve been a faithful employee. Is your response to everything going to be to work harder so others can benefit from my work?
You sound like a Great Depressions era person who talks how everything used to be sssooo bad. âWhen I was your age I walked to school 5 miles in 3 feet of snow, uphill both ways.â So when itâs harder than ever to get ahead your response is not to address problems that everyday Americans are dealing with and instead tell them how bad their life could be? Please run for public office with that philosophy. Youâll guarantee the other guy wins by a landslide. Iâm sure the Saudi princeâs have a terrible life. Now there is the issue of the women not being allowed to drive or walk in public by themselves. But they shouldnât complain about that. That would be a victim mentality. You know what makes America different? This is one of the few times in history that the little guy has had a chance to get ahead. It used to be that you were poor or rich. This is how much of the countries you mentioned operate. The creation of the middle class has been the engine of our country for years. Now they are being wiped out through higher cost of living and a tightening job market. Iâm sure youâre fine with this though, after all, their losers.
Thank you. I will take that into consideration. I am going to start looking for a new job in January. I canât afford the car expenses anymore. Itâs not worth it. My brother is a bar tender at the Hilton. I think he makes ok money. I donât think he gets any benefits. Iâm not one who really enjoys bars, so Iâm not sure about that. I am trying to get out of the service industry. Itâs funny because even at the Hilton, he has to deal with many of the same issues I have to at the little pizza place. Many lazy people who work their and disrupt your ability to properly do your job, managers who are incompetant or who just donât care, and of course difficult customers. If TraderAntiChrist really wants to see some lazy people, work at a restaurant. Specifically a pizza place. The people there act like Iâm asking for their left arm when I suggest that they take 5 extra seconds to get the right address so I donât knock on the wrong door. Thanks for the advice.
Yes, life will throw you a curve ball and you have to be prepared for it but that doesn't mean you stop living and you stop running your life's business. If you pay less interest than you receive then it's a positive business proposition. And if something unfortunate does happen to you then you execute the plan you have in place to deal with such unfortunate events. I have dealt with cancer as well (indirectly) and I agree that all business plans, including personal ones, need to take life changing events into account, which is why you need to have a positive net worth before you take on any debt and if you take on any debt you should be able to generate a return that is higher than the one you are paying. Using a credit card for life's pleasures, such as that next Plasma TV, is a recipe for disaster. I'm not talking about that at all.
You are absolutely right. A number of years ago my wife developed cancer and even with insurance we were swamped with medical bills. When you pay medical bills it comes out of another area such as groceries, gas, clothing, etc.... We had to use CC's to balance our budget -- we had no choice. BK was a consideration but we got very lucky because a number of years after this horrific event my trading took off and we were able to pay the CC's down. What differentiates us from every other family that has this problem is we were just lucky. It could have easily gone the other way.
I've addressed several of your points, pizza boy, but my responses don't fit with your victim/entitlement view of the world so they don't register or you'd have too much cognitive dissonance. How's that victim/entitlement view working out for you?
Hi again pizza boy, have you ever been to any of those places? Obviously not or you wouldn't have made such a self centered, ignorant comment. You have no idea what makes America different because you're too young, naive and unworldly.