Well, tacos only prove that SOME people are pretty smart...like the ones that came up with tacos.
So do...uh...Grumblers...I guess?
If you're dumb, sure. But my point also is that most people are DUMB. Note how many people in this nation have big credit card debt! 'Paying just the minimum isn't that bad, I'm still making payments... it'll be paid off within the millenium, I guess. Good enough for me!' turns sometimes into missing... sure it's stupid, but if you don't see the physical bills going away it's more of a abstract issue than when you're actually spending money.
Nevertheless, my debit card works just fine for me. No interest.
Except you actually have to have money in the bank before you can use them, otherwise they're very useful.
Yes, and therein is the good part: you can't spend money you don't already have, thus you must be responsible, and you can never spend more than you can afford. It's the slightest inconvenience to transfer money from savings to credit. It takes seconds. I love my debit card (we're engaged), and I never intend to get a credit card.
Debit cards... basically a simpler form of check, yes? And yeah, since you actually have to have money in the bank they're a lot less dangerous than a credit card...
They have their own dangers, though. It's easy to swipe that thing and forget what it's actually worth to you at the moment. I know, because I've overdrawn several times, thinking I had more than I really did.
Debit cards, however, cannot help build credit. And without credit, you really can't afford to buy a car or a house unless you have an abnormally-high cashflow.
Exactly, that's what I use (they call them "check cards" around here though). Basically it's the ease of use of a credit card, but it's your money and no fees like a check. Plus, it's the only way I could buy stuff online. It's just something I tend to want to avoid like the plague.
Um, used cars are easily affordable (only a couple thousand for a decent one if you know where to look), and that's all anyone really needs. I know many people that have bought used cars with a single cash payment, and are certainly not loaded or anything near it. Only the rich bother with brand new cars. I mean, even as a gamer, I'll get a used game if it's in good condition. I have much lower standards for vehicles. I just need it to get me from point a to point b, and on weekends point c.
I have a used car now, an old one, and I paid cash for it.
But then again, I don't intend on driving a seventeen-year old car the rest of my life either. When means permit, I will certainly have a car, not new, maybe two years post-production, but certainly something nice and smooth.
I'm fine with what my cash allows for. I'll bother with a brand new car when I'm in the right tax bracket. Essentially, I consider brand new cars a luxery item. I know a lot of people don't, but I do.
Quote:They have their own dangers, though. It's easy to swipe that thing and forget what it's actually worth to you at the moment. I know, because I've overdrawn several times, thinking I had more than I really did.
I've done that several times, to, but on purpose. It's an easy way to get free subs from Subway. "Oh...I promise I'll run right home and get the money and pay for it"
P'sha!
Yes, but the thing about THAT is that I keep track of my OWN money, and I don't spend it when I know it's my actual money there. I can be pretty stingy... Credit cards on the other hand... well, why pay a monthly fee and spend money I don't have when I am so careful about the money I DO have? I tend to drift between reasons... yeah...
You don't have to buy a new car, just one with a decent warranty. Unless you know a lot about cars or want it to be in the shop every few months.
From what I've seen brand new cars end up in the shop more often than ones that are about 3-5 years old.
That doesn't make any sense at all, unless you're comparing a new Ford with an old Saturn or something like that.
But whatever, as long as you have a decent warranty you're safe.
My aunt always buys new vehicles while my family gets vehicles that are about 4 years old. My aunt's vehicles are in the shop more than ours.
And of course <i>everyone's</i> experiences with new cars is <i>exactly</i> the same as Great Rumbler's!
Quote:From what I've seen brand new cars end up in the shop more often than ones that are about 3-5 years old.
:far-out:
Warning: Do NOT buy a Ford Contour, anyone. Mine breaks down weekly. I think that the mechanics guild must've bribed Ford to design them as such, because I do them so much business.
Micheal Moore eats too many Cheese Burgers.
:evilha:
Actually he doesn't. He gains weight when people get offended by him.
It's a sickness called "Peoplearesheep"
Great Rumbler Wrote:My aunt always buys new vehicles while my family gets vehicles that are about 4 years old. My aunt's vehicles are in the shop more than ours.
Then she should stop buying new cars that are made out of tacos!
Seriously, cars don't get
better as they get older. She just buys crappy cars, or has insanely bad luck.
Remember this, when Jesus calls His followers sheep that must be hearded, He is NOT complimenting humans by calling them that. He's saying we're idiots that NEED help just to keep from running off a cliff in a mad panic.
The theory about new cars is that they still have a lot of kinks in them that need to be worked out, used cars have already had the kinks fixed. That's the theory anway.
That's the way it's been with us. Used cars worked fine, new cars have trouble. *shrugs*
It could happen, if the used car's reliable... I can see how new could have more issues...
If it's a used car from a good manufacturer and a new car from a bad manufacturer then of course that would make sense.
That's probably the case.
I got the grade back for my Michael Moore/Columbine review. I only got a B. The teacher's pro-liberal, pro-Moore, anti-caucasian stance shows through; especially in her little critiques throughout the paper.
Micheal Moore is the closes thing we have to a giant Cow that makes movies.
