AOPA credit card --- WARNING.

Chuck wrote:

"Rich" wrote in message
...

That's easy!
Don't spend money that you don't have!
If you don't have it now, what makes you think you will have it when you
have to repay the loan?

A loan doesn't GIVE you money... it just time-shifts when you need to
have it.

Rich

Chuck wrote:


That's fine, but what if my credit is poor and I can't get a bank loan?




Well, what if my transmission falls out of my truck or the engine blows?
Both could be a reality with my truck since it has almost 200,000 miles on
it. In this case, I would have to "spend money that I don't have". We do not
have public transportation here to speak of and I work night shift anyways.
Don't think that I could afford $40 for a cab every day...

What about when the A/C goes out in the house? (This is one of the times
that I am glad that I rent)

Refrigerator goes out?

That is the purpose of saving up a small cash emergency fund. You are
right, you can't predict when things like this will happen, but you can
predict that they will happen so you have to plan and prepare in advance
for them.


Matt

"Chuck" wrote in message
m...

Well, what if my transmission falls out of my truck or the engine blows?
Both could be a reality with my truck since it has almost 200,000 miles on
it. In this case, I would have to "spend money that I don't have". We do
not
have public transportation here to speak of and I work night shift
anyways.
Don't think that I could afford $40 for a cab every day...

What about when the A/C goes out in the house? (This is one of the times
that I am glad that I rent)

Chuck, you are missing the point. Matt and the boys live in a world where
they are superior beings. These things never happen to them and they've
never met anyone who it has happened to either. They're the dip****s that
are supporting the rapid transition of the US from a government of the
people to a government run by corporations where Joe Public gets screwed
over at every turn.

You see, for some wacked out reason they seem to think that an entity that
exists on paper has the right to do whatever it's lobbying money can buy on
K-Street. And when your job is lost and the bills stack up, well then ****
you - you are a debt carring loser and your kids can eat cardboard boxes for
all they care. Pay up, sucker!

Welcome to the new America. I hope you like it.

"Rich" wrote in message
...
I don't KNOW if YOUR luxuries are excessive.

I DID read that you have had some financial setbacks, and aren't able to
save even $20 per month. I think I remember that you are using credit
cards to finance your purchases... at high credit card rates.

IF it were ME, I would choose to bypass some of these luxuries in order
not to get further behind... and be able to afford good things to
enhance my children's education and get a good start in life.

Life is about choices, Chuck, and their consequences.

Rich


Chuck wrote:

Oh... OK.... well, are my luxuries excessive? Apparently, you already
had
your opinion of me and my luxuries...






Rich, maybe you need to re-read the thread...

I have said numerous times that I have ONE credit card that carries a
balance. It is Sears. We use it for necessities like school clothes, etc. We
don't go buy wide screen TV's on it. In fact we are currently watching a 20
inch TV right now, so it would be very easy to run to Sears and charge a new
TV, but we have chosen to wait until our tax refund comes in so we can pay
cash for a new TV.

In otherwords, NO I am not using credit cards for my (our) purchases. Even
Christmas is COMPLETELY paid in CASH! How many of you can say that?

In the past we have had other credit cards, but they are all PAID OFF with
ZERO balances (have been for several years) and we have closed the accounts
on them.

In another reply, I have defended my 3 luxuries, so I wont do it again here,
but I have reason for those 3.


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"mike regish" wrote in message
news:AY%pd.572727$mD.93066@attbi_s02...

Didn't think your narrow mind could wrap itself around more than one thing
at a time. Since I never said anything about his other reasons, it is
impossible to make the conclusion you have jumped to without using
seriously flawed reasoning, but that is exactly what I would expect from
you, or any Bushie, for that matter.


Since the question was which of the reasons given for invading Iraq were
wrong, and you mentioned only WMD, it is logical to conclude you believe the
other reasons were right.

"mike regish" wrote in message
news:CZ%pd.572735$mD.180317@attbi_s02...

That's you opinion, and I have no doubt that mine is NOT wrong. You prove
that consistently.


Actually, mine is not an opinion.

"Chuck" wrote in message
. com...

I still don't see how this works as the interest you pay means that you
can now have even fewer necessities than if you paid cash for them.


You just don't get it, do ya?

Of the 3 "luxuries" that I said that I have, only one *might* have been
bought on credit and had to pay any interest. That would be the Dell PC.
For
your information, I did charge that PC, but paid it off with my tax refund
2
months later. I paid 1 or 2 months of interest. Big deal. Dish Network and
SBC don't charge any interest that I am aware of.


Actually, you're the one that does not get it. It does not matter what
items you pay cash for and which you charge, it's just that your total
purchases are greater than your ability to pay for them.



If you will read, I have ONE credit card (Sears, for school clothes,
tools,
etc) that I am paying interest on. For someone in my financial situation,
I
don't feel that is all that bad.


But buying luxuries you can't afford is.



Would you stop trying to pry into my personal situation please.


Nobody's prying, you're posting your personal situation on the internet.

"Chuck" wrote in message
om...

In another reply, I have defended my 3 luxuries, so I wont do it again
here,
but I have reason for those 3.

Chuck, do not give these people a platform by letting them question your
actions. Many folks who never had money problems and cannot understand what
you are talking about either had the backing or were born with a silver
spoon in their mouth. I meet these assholes all the time. Ivy league
schools, mommy and daddy have money, inheritance, parents had money to send
them to good and connected schools, etc. A small boost goes a long way when
starting out in life - it makes all the difference and none of the people
earned it themselves. Many handle the privelege admirably, but many also
know in their hearts they never really achieved anything on their own steam,
and they like to make themselved feel better by looking down on folks like
you.

"Steven P. McNicoll" wrote in message
nk.net...

"Chuck" wrote in message
. com...


snip


If you will read, I have ONE credit card (Sears, for school clothes,
tools,
etc) that I am paying interest on. For someone in my financial
situation,
I
don't feel that is all that bad.


But buying luxuries you can't afford is.





Are buying school clothes an luxury? Are buying tools for work a luxury?


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Mike V. wrote:

"Chuck" wrote in message
m...


Well, what if my transmission falls out of my truck or the engine blows?
Both could be a reality with my truck since it has almost 200,000 miles on
it. In this case, I would have to "spend money that I don't have". We do
not
have public transportation here to speak of and I work night shift
anyways.
Don't think that I could afford $40 for a cab every day...

What about when the A/C goes out in the house? (This is one of the times
that I am glad that I rent)


Chuck, you are missing the point. Matt and the boys live in a world where
they are superior beings. These things never happen to them and they've
never met anyone who it has happened to either. They're the dip****s that
are supporting the rapid transition of the US from a government of the
people to a government run by corporations where Joe Public gets screwed
over at every turn.

You are so far off base that it is truly entertaining. We've never said
that bad things don't happen to people. We've simply said that you need
to prepare in advance for the "normal" bad things that happen, such as
transmission failures, leaking roofs, etc. Obviously, you can't prepare
for the truly catastrophic such as cancer, etc., but you also can't fix
those with a credit card. The point is that the things that credit
cards are most often used for can be handled with advance planning and
preparation. You refuse to believe that, and that is your choice.


You see, for some wacked out reason they seem to think that an entity that
exists on paper has the right to do whatever it's lobbying money can buy on
K-Street. And when your job is lost and the bills stack up, well then ****
you - you are a debt carring loser and your kids can eat cardboard boxes for
all they care. Pay up, sucker!

Again, comically off base. We've simply said that when you sign an
agreement, you have agreed to the terms of that agreement! No value
statement was made at all and nobody said that this was right or wrong,
just that it is what it is. Nobody forced you to sign the agreement so
why do you insist on blaming a faceless corporation for your mistake?


Welcome to the new America. I hope you like it.

It is still the best country on earth warts and all. I don't like many
things about it, but for the most part I like it pretty well. There are
several hundred other countries available for those who don't like this one.


Matt

"Mike V." wrote in message
news:hU0qd.105841$5K2.41539@attbi_s03...

"Chuck" wrote in message
om...

In another reply, I have defended my 3 luxuries, so I wont do it again
here,
but I have reason for those 3.

Chuck, do not give these people a platform by letting them question your
actions. Many folks who never had money problems and cannot understand
what
you are talking about either had the backing or were born with a silver
spoon in their mouth. I meet these assholes all the time. Ivy league
schools, mommy and daddy have money, inheritance, parents had money to
send
them to good and connected schools, etc. A small boost goes a long way
when
starting out in life - it makes all the difference and none of the people
earned it themselves. Many handle the privelege admirably, but many also
know in their hearts they never really achieved anything on their own
steam,
and they like to make themselved feel better by looking down on folks like
you.



Yea.. I think that I am done with this thread...

I have tried my hardest to explain to people that I understand what they are
saying and that I agree with them, but unfortunately, they can't understand
that some people are not able to have cash laying around and in an EMERGENCY
have no other choice but to use a credit card.

But you are right, I think there are 2 or maybe 3 people here than
understand what I am trying to say and then you have the jerks that have
never experienced money problems and treat anyone that doesn't drive a
Mercedes and belong to the country club, keep their Barron at their house at
the airpark and go to the Playboy Mansion for parties like crap. These guys
just don't get it...


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