Originally Posted By Stizzel⏩

Yep. They get their money back in 6 months, and then its 4.5 years of profit

FML... and he's aware of this? Did he not have any other options? Jesus H.

It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.

Originally Posted By Bushmaster⏩

FML... and he's aware of this? Did he not have any other options? Jesus H.

No idea. But they put a statement right above the signature line that says in all caps that you're only getting a fraction of what you'll be paying. But you know older people tend to not understand this stuff.

“It’s the bill of rights, not the bill of requests. Rights are not up for negotiations.” Thomas Massie, MAGA enemy #1

It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.

“Power is not a means; it is an end. One does not establish a dictatorship in order to safeguard a revolution; one makes the revolution in order to establish the dictatorship.” - George Orwell

“It’s the bill of rights, not the bill of requests. Rights are not up for negotiations.” Thomas Massie, MAGA enemy #1

“The life of man is solitary, poor, nasty, brutish, and short.” – Thomas Hobbes, 1588 – 1679

*Never Respond To RSM3 Threads crew*

"A stupid man's report of what a clever man says can never be accurate, because he unconsciously translates what he hears into something he can understand."

Originally Posted By Mr

Seems to me like there should be a law about what effective interest rate can be charged on loans, because this kind of stuff is just ridiculously exploitative.

The payday loan business in Australia is crazy, they don't even need to declare what interest rates they are charging, because they are 'loan fees' and not interest. Such BS. I've seen similar adverts in the UK and they have to level with the viewers in the small print, but at least you can see that they're charging 1000% p/a or whatever usurious rate they go for.

I racked up a 6.5k loan on chit from Radio Rentals about a decade ago. By the time I paid it out, I'd paid roughly 14.5k. That's not including the multiple $120 late fees I was charged for being a day overdue, lel. IIRC there's a class action lawsuit going on against them at the moment. If you can throw a CA lawsuit against the banks for fees, etc, surely you kneecap these unethical companies that largely take advantage of people that have no other avenue for credit.

I paid out all of my loans and debts in '15. Haven't had another since.

Also: Surprised to see Stiz talking about this. I figured you'd be arguing the "voluntary transaction in the freemarket" line

“The life of man is solitary, poor, nasty, brutish, and short.” – Thomas Hobbes, 1588 – 1679

*Never Respond To RSM3 Threads crew*

Originally Posted By TheFornicator1⏩

Also: Surprised to see Stiz talking about this. I figured you'd be arguing the "voluntary transaction in the freemarket" line

Well I was hoping to get a nibble from him with my 'there should be a law about this' line but I guess you fukked that up for me now

To be fair, capping interest rates on loans is tricky because the most disadvantaged people are the ones who need payday loans and they charge silly interest rates because when your business space involves lending $200 for 1 week to a guy who has money problems, the effective interest rate needs to be very high to turn a profit. If you effectively price legitimate companies out of that market, then you get gangsters filling the space, which isn't a great outcome for the borrowers.

"A stupid man's report of what a clever man says can never be accurate, because he unconsciously translates what he hears into something he can understand."

"Never attribute to malice that which can be adequately explained by stupidity"

Atheist Lebanese

BDS: Boycott - Divestment - Sanctions

“It’s the bill of rights, not the bill of requests. Rights are not up for negotiations.” Thomas Massie, MAGA enemy #1

“It’s the bill of rights, not the bill of requests. Rights are not up for negotiations.” Thomas Massie, MAGA enemy #1

Originally Posted By TheFornicator1⏩

Also: Surprised to see Stiz talking about this. I figured you'd be arguing the "voluntary transaction in the freemarket" line

Just because its voluntary doesnt mean you have to agree with it. In the end this guy is an adult and unless he's senile should be allowed to make his own decisions.

“It’s the bill of rights, not the bill of requests. Rights are not up for negotiations.” Thomas Massie, MAGA enemy #1

Heterologously Vaccinated Superior Race Crew

Kurt Russell, Ray Winstone, Mickey Rourke Crew

"The dominant economic order rests on unofficial dependency and official individualism. Survival requires the transposition of these two ideas: official solidarity and unofficial individualism."

It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.

Be who you are and say what you feel, because those who mind don’t matter and those who matter don’t mind.

“Power is not a means; it is an end. One does not establish a dictatorship in order to safeguard a revolution; one makes the revolution in order to establish the dictatorship.” - George Orwell

Don't know what to put in my sig crew


أشهد أن لا إله إلاَّ الله و أشهد أن محمد رسول الله

Sig line can't be a novel

“Power is not a means; it is an end. One does not establish a dictatorship in order to safeguard a revolution; one makes the revolution in order to establish the dictatorship.” - George Orwell

Originally Posted By StoliFun⏩

RE: The Americans

Holy ****, Tuan.

Ugh... shiit. Wasn't really expecting that. They cross over into some really dark territory on that show - a lot.

It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.

“Power is not a means; it is an end. One does not establish a dictatorship in order to safeguard a revolution; one makes the revolution in order to establish the dictatorship.” - George Orwell

“It’s the bill of rights, not the bill of requests. Rights are not up for negotiations.” Thomas Massie, MAGA enemy #1

Well well well....Zbigniew Brzezinski finally fell over. Good riddance.

Still Cuckin On Four Fours, Wrapped In Four Voes

Originally Posted By Canadian2point0⏩

lol

My 4yr old nephew absolutely hates John Cena's guts.. For the longest time all he ever said was "John Cena is so mean!" And of course everybody laughs and gets a kick out of it. But finally his mommy asked him just WHY he hates John Cena so bad and he told her John threw sand in his face when they went to the beach last summer. And again, lulz were had. Now though he's getting serious about it and wants ME to go beat John Cena up for him - which kinda puts me between a rock and a hard place. I want to be the cool big uncle for my little nephew.... but at the same time I don't think I can take John Cena.

It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.

It's a hot night. The mind races. You think about your knife: the only friend who hasn't betrayed you, the only friend who won't be dead by sunup. Sleep tight mates, in your quilted chambray night shirts.