From time to time I hear a sound similar to the buzzing of mosquitoes near your ear in summer. Spoiled upper-middle-class or rich kids whine and cry, "waahhh!! I have to pay the money back that I borrowed! Wahhh!! Why do I have to pay the money back for that impulse purchase of five hundred dollar shoes!! Ohhh those credit card companies are so evil because they expect me to pay back the money that they lent me, which I consciously voluntarily used to make a whimsical purchase for myself!!!"
"Whaahh ,, it's not my fault I'm poor and can't afford those Nickelback concert tickets!!" Really? Nickelback?
"Wahhh!!! I want a blackberry!! Why shouldn't I have what I want?? It's so not fair that I can't afford to buy a blackberry and can't afford the monthly cell phone service bill that is much higher than a local landline bill!!"
**____I closed that credit card, and I haven't looked back.
I notice that a lot of the people protesting this tended to be all these spoiled lazy slacker middle-class white kids. They were mad because they could not get a job. They majored in crap majors in college, such as Philosophy of Art History. Somehow they finagled some reasoning that blamed corporations for their own lack of employability. They blamed corporations, the manufacturers, for the middle-class white kids' own lack of being able to buy stuff.
And then some people are complaining, "ohhh the credit card companies check your creditworthiness;" "how dare they do a search into your personal private business to see if you are worthy of borrowing their money?"
Well, why would they not check a prospective cardholder? Why would a bank not check the financial background and spending habits of someone to whom it might potentially hand out a loan? Why the hell should the credit card companies risk it? Why should they risk lending out their money if there is a good chance they will not get it back? You know that cynical but truthful joke of lending money to slacker friends that probably won't pay it back. "Always borrow money from pessimists. They don't expect to be paid the money back."
If you are truly so damn responsible and financially prudent with all of your affairs__ If you know how to handle __ then guess what. You would not need to borrow money in the first place. You would have already envisioned that some day you might have an expense or two for which you should have planned ahead. You would have already been enterprising enough to be prepared, and you would have already established a rainy-day fund for yourself.
intolerance impatience for people that complained that their jobs don't pay them enough; that Microsoft products were too damn expensive, that their jobs don't provide adequate healthcare; that their job provided no peace of mind, no [[[[sustainable longevity of long-lasting__]].
My counterargument to them is the following: well, what the hell kind of crap-assed job do you have that does not provide job security, in a field that is not a useful endeavor that contributes to the progress and improvement of society as a whole? What kind of a job do you have that does not have a good deal to provide affordable access to Microsoft software products?
they also tended to be violent and destructive. they vandalized, they threw chairs through storefront windows.
"Whaahh ,, it's not my fault I'm poor and can't afford those Nickelback concert tickets!!" Really? Nickelback?
"Wahhh!!! I want a blackberry!! Why shouldn't I have what I want?? It's so not fair that I can't afford to buy a blackberry and can't afford the monthly cell phone service bill that is much higher than a local landline bill!!"
**____I closed that credit card, and I haven't looked back.
I notice that a lot of the people protesting this tended to be all these spoiled lazy slacker middle-class white kids. They were mad because they could not get a job. They majored in crap majors in college, such as Philosophy of Art History. Somehow they finagled some reasoning that blamed corporations for their own lack of employability. They blamed corporations, the manufacturers, for the middle-class white kids' own lack of being able to buy stuff.
And then some people are complaining, "ohhh the credit card companies check your creditworthiness;" "how dare they do a search into your personal private business to see if you are worthy of borrowing their money?"
Well, why would they not check a prospective cardholder? Why would a bank not check the financial background and spending habits of someone to whom it might potentially hand out a loan? Why the hell should the credit card companies risk it? Why should they risk lending out their money if there is a good chance they will not get it back? You know that cynical but truthful joke of lending money to slacker friends that probably won't pay it back. "Always borrow money from pessimists. They don't expect to be paid the money back."
If you are truly so damn responsible and financially prudent with all of your affairs__ If you know how to handle __ then guess what. You would not need to borrow money in the first place. You would have already envisioned that some day you might have an expense or two for which you should have planned ahead. You would have already been enterprising enough to be prepared, and you would have already established a rainy-day fund for yourself.
intolerance impatience for people that complained that their jobs don't pay them enough; that Microsoft products were too damn expensive, that their jobs don't provide adequate healthcare; that their job provided no peace of mind, no [[[[sustainable longevity of long-lasting__]].
My counterargument to them is the following: well, what the hell kind of crap-assed job do you have that does not provide job security, in a field that is not a useful endeavor that contributes to the progress and improvement of society as a whole? What kind of a job do you have that does not have a good deal to provide affordable access to Microsoft software products?
they also tended to be violent and destructive. they vandalized, they threw chairs through storefront windows.
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