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Discussion in 'Bad Dog Cafe' started by 83siennateleguy, Aug 13, 2018.
Thank you sir!
You do know that Toto writes most of this stuff?
Probably my last contribution to this thread.
To those who avoid credit, borrowing for purchases, even buying slightly beyond your means:
If l live to Sept. 14th, I will have lived a day longer than my father...who died at 54, 25 years ago.
A brilliant, world-renowned engineer, he wasn't well compensated for his designs, but still largely eschewed borrowing money.
He died with unrealized dreams, hope of retirement years, and stoic adherence to principles.
Me?...I'll charge it.
I'd say adherence to one's principles is a very good thing.
I am constantly working at being a better steward of all of my resources (including my time, body, mind and soul), and to have the courage of my convictions more consistently .
But, what if one's principles are racist, misogynistic, or simply self-sabotaging?
Point is...one's principles might be ___________ (insert derogatory adjective here, but only if it relates to debt or credit ).
Ok, now I'm reeeeeally done.
It's always best when you come to a fork in the road, to take it.
Yes. That’s a good financial philosophy but... That’s not what being discussed here.
Living on credit means you don’t have the cash. What we’re talking about here is having the cash, using a card and paying off the balance before interest is charged because you’re getting a kickback for doing so.
It doesn’t make you a sucker for not using it and not everyone has the means to do it but it’s worth looking at if you can. The risk of course is that you need to only use the card when you have the cash so that you never run a balance and always pay it to zero every billing period.
Anyway, that about as straight forward as I can explain it so I’ll leave it at that. If you can make it work for you great. If not, no worries. Nobody minds.
I didn't need it explained to me. But, thanks
And, yeah. It's still living on credit. The fact one has the money to pay it back, or is getting kickbacks to do that, does not change that.
But again, thanks
Ah yes, the whole instant gratification thingy.
Ok. Whatever you say.
and the Demons like you...
Oh no worries, I'm not easily offended. I grew up before snowflakes were a thing.
We certainly shouldn't let our differences of opinion or understanding stand in the way of communicating though. Its the only way we learn about each other and get new insights into topics. If its something you don't want to discuss I understand. It was a pleasure hearing your view point.
Think how boring the world would be if we all believed the same thing.
I agree. Communication is key. It's interesting to me that a topic such as one's comfort level with using credit to their advantage could result in my own use of (what I consider) dismissive or insulting comments. I'd like to think that goes against what I consciously believe about civil interaction. It's not really a "snowflake" thing as much as just having respect for and treating others as I would like to be treated.
It's not that I'm reluctant to discuss most anything, it's just that after we've stated our opinions on something that can have different points of view it becomes counter productive to escalate the tone just to make my voice louder. Now...if I can just remember this going forward...