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^ probably doesn't have a credit system then. its unavoidable here especially if you wanna be a single playa.
wanna be a single playa with a decent car and your own crib with bad credit? sorry you can be homeless here. That or pay twice the amount for the same thing as someone with good credit
Quote:
Originally Posted by noel411
I don't want or have kids either, but that doesn't mean i don't want nice things while not having to worry about how i'm going to pay for them.
Just put my groceries in a plastic bag and keep it moving. Matter fact, double bag those, boy.
lol you have a really interesting perspective man. Yeah, here it's not a 'thing' to pretend to be into. You can't have anything without good credit, including a job where accountability is important. Buying a house, buying a car, etc. I had this questionably ghey aussie at an old job of mine who told me houses in Australia are ridiculously expensive. He made good money as an ERP developer with an uncommon specialty. Should have asked him how homes were purchased there if not credit/loans.Quote:
Originally Posted by noel411
I do get what you're saying about people trying to let you know that they're a functional adult super hard. It's whatever, I have no strong opinion on it. Have the 'i don't want a wife and kids' people considered life after the age of 60? I say 60 for dudes, 30 for women. A 30 year old friend of mine was on the 'i don't want kids/marriage' stuff for ages and now she's about to kill herself because it's becoming obvious that she has ovaries and can't opinion that away. Like all of my 'i don't want wife/kids' friends, she spends her days complaining about the worthlessness of the opposite sex.
She's currently combing through incels on Tinder and tweeting ominous childishness. Her ovaries are telling her 'bitch if you don't have kids now it's too late stupid' and by the time it reaches her brain i becomes 'you're not tindering hard enough'. I, her good friend, also have no time for her because I'm married and usually deal best with people living a similar life. The dating pool after a certain age is total trash. Even at 25 I was noticing that every girl in my age range and slightly older (what a playa like) was desperate and thirsty and/or severely damaged goods. I started dating slightly younger (not what a playa like) but they were consistently stupid in a way that I was no longer. Hell even the friendship pool starts to suck because everyone is focused on their seeds, unless you want to kick it with the impotent.
I just skimmed through a Noel and Darryl conversation and I didn’t enjoy my life for ten seconds.
Time to bust out the whiskey and get back on track......
Dongbags.
How much credit debt are 'muricans actually in? In canada I had to have a credit card to build my credit rating or some shit. In Ireland having a credit card effects your credit rating negatively.
Nationally? Some cartoonish number that probably equates to 'the entire world's economy'. If you own property, credit doesn't matter at all but until then I have to try to keep it at a reasonable level. It's a shit system and allows banks to rank your value in life according to what they can use you for but Americans like being controlled and itemized as long as you make them feel like they're also going to get tokens of 'achievement' or soothing ego strokes. We're Chuck E Cheese wid it.
fake sjw durag, your stories have more holes in them than your liver
tsa, you don't have to worry about having kids cause you would need to actually have sex with your green card wife for that to happen. tasting your own semen seasoned with greens and fava beans won't get her pregnant.
@ TSA, yeah I don't really know about the credit thing. I don't think it's really a thing here. Like I don't even know what it is. I've bought a couple of vehicles in my life, around the $10,000 - $15,000 mark, and nothing about credit ever came up. Never looked into buying a house though, and I can't imagine any way of me ever being able to afford such a thing.
I know buying a house around a city here you need to be a billionaire. Otherwise I think it's not so bad. Both my brothers own homes, and neither is especially wealthy. Not at all. Dunno if they needed any credit stuff to buy their houses. They both live normal adult lives, but I never discuss adult shit with them, lolz. I don't think they give half a fuck about adult stuff either. Only what they NEED to know.
I'm not actually really an 'I don't want a wife and kids' person. I mean yeah, I don't want a wife because I think marriage is utterly pointless and a complete waste of money, but a 'life partner' would be good, if she could fit in with my lifestyle. But I realised that wasn't gonna happen a very long thyme ago, and gave up on it. I'm definitely not one to go around being vocal about how I wanna be single forever and whatever shit. Or how terrible women are, lolz. I could give a fuck about that.
The only way I'd ever want kids is if I was especially wealthy, but even then, I don't think I'd ever wanna give up my life for kids. Even a pet dog would be a huge commitment for me. Though if I owned a home I'd have one.
Oh I just noticed you used the term credit/loans. People here definitely take out loans to finance shit. Houses for sure. Even cars I guess. Is that what you mean by all this credit stuff? I thought it was more to do with credit cards, lolz. I didn't actually read the thread. Just saw there was another adult convo going on here. I was talking about adult stuff in general with my initial comment. Like when I see a thread where people are discussing politics or whatever I'm just instantly out of there, cos honestly why in the fucking world anybody would invest a second in following or discussing that shit is beyond me. I couldn't even name one state premier in my country, and honestly thinking about it right now I can't think of the prime minister's name, although I know him by sight, lolz.
Still trying to think of that prime minister's name. I keep coming up with the dipshit opposition guy's name, lolz.
I had to look the cunt up. It was starting to annoy me, lolz. Malcolm Turnbull.
It wasn't even an 'ahhh, yeah of course' moment when I saw it. It was a 'yeah, that's a really forgettable name' moment, lolz.
same hereQuote:
Originally Posted by noel411
getting legally married, at least in the US, is literally the dumbest possible thing someone could do especially if you're male. apart of getting less tax breaks if you have kids, theres a 50% chance youll get divorced and spend the rest of your life paying for your ex's life. I see it everyday at work
Lolz my boss got divorced recently, n cos him n his ex wife can't communicate they pay about $500 for a mediator each thyme they negotiate something.
^lol damn. I used to have a job where I would watch people that got their kids taken away while they did visitations lol. It was really pathetic. I would hate to ever reach the point where I have to deal with the government to talk to someone that came out of my dick. One of the clients was a dude who was probably a pimp and his erotic baby momma who was probably a hoe. She answered the door in lingerie one time and invited me it. At 19, it took an entire world's worth of will power to say no but I did it and didn't catch aids. Then we found out the dude was spying on me while I was going to drop the kid back off to his whore mother. Following me and shit lol. If that kid grows up to be a total scumbag, which he already was at the age of 5, I wouldn't be surprised.
I'm sure i've already told this story on here.
@noel, the banks own this country so credit is a big deal. It's not a bad thing though cause they're doing a great job running the place. How will a bank know who to loan to and how much if you don't have credit scores?
A credit score is a number you're given based on your financial behavior that lets people that give loans know you're going to give them back their fucking money. If you have credit cards and trick it off on lawn fertilizer and wives from the philippines you'll have a low score. If you borrow reasonably and make payments on time you'll have a higher score. That's the general way they do it. There's also some cummy things they throw in there but those are details, like giving points based on zipcode etc.