Holiday Debt

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This topic contains 37 replies, has 0 voices, and was last updated by  hooper1961 3 years, 5 months ago.

Viewing 25 posts - 1 through 25 (of 38 total)
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  • #606008

    hooper1961
    Member

    I want to know the wisdom of buying stuff on credit and then paying interest?

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    #780741

    JanS
    Participant

    it’s the American way, dontcha know?

    People will do what they do..is it wise? Probably not. Do I do it? No. But then, I’ve been told it’s not wise to not have a credit card. Oh, well..

    Hooper, you will drive yourself crazy thinking about these things constantly. Maybe take a break, have a little eggnog (yes, I know it’s not healthy), spiked, even, relax, enjoy the holiday, and it’s meaning, and just be thankful for all you have. Merry Christmas !

    #780742

    JoB
    Participant

    hoop

    if it doesn’t make sense to you don’t do it

    i’m not

    #780743

    hooper1961
    Member

    the point is that too many people bury themselves in debt and then cry to the taxpayer when they lose their job and can’t pay their debts.

    #780744

    DBP
    Member

    Do taxpayers bailout Christmas binge buyers?

    I did not know that.

    #780745

    JanS
    Participant

    DBP…yep…I always thought that if I run up a CC, I have to pay it back…you learn something every day, huh. Now, how do I apply for taxpayer help?

    #780746

    JoB
    Participant

    hoop..

    i think you have been tippling too much eggnog.

    the government doesn’t bail out individuals who run up debt and make poor business decisions

    they only bail out only really really big businesses…

    #780747

    hooper1961
    Member

    who the heck do you think ends up getting medicaid? many times it is people who live beyond their means and rack up significant credit card debt.

    #780748

    JoB
    Participant

    hoop..

    the people who end up on medicaid are people who get really sick and tap out every resource they have trying to pay their medical bills…

    because.. they don’t give you medicaid until every resource you have is gone

    i really don’t know what world you live in but your conception of welfare queens is sadly out of date.

    #780749

    hooper1961
    Member

    JoB – and many because they have dug themselves into a hole in the first place suck up even more tax dollars!

    personally medicaid ought to be eliminated in 2014; either purchase insurance or live/die with the consequences if you choose not to purchase insurance.

    #780750

    JanS
    Participant

    you are so full of it, Hooper…you have no idea how difficult it is to get Medicaid, and then keep it. The paperwork, the way DSHS dogs yu at every turn to report this or that, more paper work, mre proof that your income is low, etc etc. You really think those who get it don’t mind the grovelling…and then the attitude they get from people like you. To constantly be told we’re looking for a hand out, that we’re freeloaders, that we simply screwed up our life with credit card debt, over spending on stuff we don’t need? Seriously?

    You have blinders on….and you sound like a very uncompassionate man….and , frankly, I feel sorry for you.

    I didn’t ask to be in this position, insurance -wise. I haven’t touched a credit card in years and years. I decided a long time ago that if I didn’t have cash for something, I didn’t get it.I am going to advocate for you to be the person who tells someone that, too bad, you screwed up your life, and now you’re gonna die because you didn’t buy insurance ( or couldn’t afford it – take your pick). There will be a fancy office, a fancy desk, with a name plate…and you will be the decider. Only provision is, you will have to look them in the eye when you do it, and no rubbing your hands in glee while doing it.

    #780751

    wakeflood
    Participant

    Agreed, Jan. I personally know two families who played by the rules and got sucked dry and left bankrupt by medical bills. One got “pre-existinged” out of decent, barely affordable insurance and the other just had the best insurance they could afford and got blown out of the water by a $300K health disaster.

    Their savings, zeroed out. Their kids college funds, zeroed out. Their lives fundamentally changed forever.

    Want to call them to tell them to suck it up, Hoop? I’d give you their number but you might just do it.

    #780752

    JanS
    Participant

    wakeflood..I get sick and tired of people who sit in their warm, cozy homes, sitting there judging those who have had disaster befall their lives, like they are leeches on society, and specifically, their bank accounts. It’s selfish, it’s stupid, it’s greedy..and I get exasperated.

    My next big thing, now that I’ve had open heart surgery with complications, have had cancer in the last 7 years, have had a rare autoimmune disease that shut my kidneys totally down? My next adventure is a kidney transplant (hopefully), at another cost to those sitting in their ivory towers. And they have the nerve to judge the likes of me? I certainly don’t wish something catastrophic to befall them…just would love for them to become educated about what is real, and what isn’t.

    #780753

    wakeflood
    Participant

    Sending you best wishes for a speedy recovery, JS. Those double/triple stomach punches are brutal.

    My heart goes out to you and yours. :-)

    At some point I just have to shake my head at those folks. I wasn’t born, NOR RAISED, nor educated to scorn those whose lives have taken a tough turn through no fault of their own. And certainly to at least give a fair shake to those who made honest financial mistakes and gotten caught up in them. I’m all for people taking personal responsibility – which seems to always get lost when I talk to Righties – and I pride myself on being as self-reliant as I can but giving people who honestly deserve a second chance or a helping hand is a human thing and separates us from the savages. Or at least it should.

    #780754

    JanS
    Participant

    well, wakeflood, you know us lefties never take responsibility for anything..but we’ll take money at every turn, selfishly…at least that’s what the righties think.

    That we’re only in it for ourselves ;->

    Hee=y, I will be OK..there are many out there in worse shape than me. Thanks for the well wishes. I appreciate it…Hey…what’s your blood type? (lol…J/k, j/k ..hehe)

    #780755

    Lisa
    Participant

    “Of all the preposterous assumptions of humanity over humanity, nothing exceeds most of the criticisms made on the habits of the poor by the well-housed, well- warmed, and well-fed.”

    ― Herman Melville

    #780756

    JoB
    Participant

    as far as i am concerned, there is nothing lower than someone who blames another person for ill health.

    #780757

    hooper1961
    Member

    JoB a person who eats a well balanced diet, exercises, maintains appropriate weight and gets needed sleep is less likely to have ill health than someone who eats junk food, is a couch potato, is overweight and does not get appropriate sleep.

    it is time to levy sin taxes on junk food and soda pop!

    #780758

    miws
    Participant

    Oh christ hooper…..

    Find a new hobby…….

    Mike

    #780759

    Betty T
    Member

    Hard to believe that a person who is intelligent can still be so ignorant. Not everyone has the intelligence or ability to obtain a decent education to acquire a job that pays enough to cover their living expenses and insurance too. And insurance premiums keep going up whether income does or not.

    I’m qualified for “low income” housing but not qualified for Medicaid until it costs me about $5000 or in otherwords an extreme emergency requiring hospitalization. I carry an insurance that pays what’s left after Medicare pays and every year it goes up. I also have a prescription insurance but hit the “donut hole” for 4 mo this year and if not for a credit card I wouldn’t have been able to pay for several of my necessary meds. Last year it was only 3 mo. I don’t like it but didn’t want to use up my measly little savings.

    Hoop appears to be an intelligent person but so uninformed and uneducated about other people’s situations. He sounds like the person who the other day bunched all homeless as as bums and druggies. Ive talked to homeless who lost their job through no fault of their own and of course lose insurance when can’t pay, use up their unemployment and run through all their savings. They were thankful to be able to go to Nickelsville.

    I know any arguments we give Hoop falls on dead ears. He’s opinionated and judgemental. Besides the fact he just likes to argue.

    #780760

    Franci
    Participant

    Ah I think it’s time to form an ‘alliance’. Lets all agree to NOT take the bait when the trolls throw out their fishing lines. Its clear from what we know about the OP, that the opening line is simply a way to get a rise out of folks.

    If we all stop taking the bait, then perhps the OP will get bored here and taking his fishing someplace else.

    Are you in?

    #780761

    JoB
    Participant

    hoop..

    “JoB a person who eats a well balanced diet, exercises, maintains appropriate weight and gets needed sleep is less likely to have ill health than someone who eats junk food, is a couch potato, is overweight and does not get appropriate sleep.”

    I do’t know why you are whistling in the dark hoop.. but you keep whistling…

    it won’t save you if your particular health bogeyman decides to visit…

    and blaming yourself for not being good enough won’t help you get well

    but keep whistling dude.. because that is apparently all you have got.

    your ignorance on this subject is appalling

    #780762

    oddreality
    Participant

    Worrying incessantly about what other people are doing/paying/buying/eating can cause stomach problems ,sleep issues,heart disease and high BP as well as possibly being a symptom of mental illness. I am personally tired of paying extra for my health insurance because of people who make themselves sick fretting about others all the time!!

    #780763

    JoB
    Participant

    oddreality

    you make me smile

    in a good way

    #780764

    hooper1961
    Member

    oddreality i do not give a hoot what other people do; but if they start taking tax dollars because they failed to save for a rainy day or had a kid before they were financially ready then i do indead get annoyed.

    why the blank should taxpayers be forced to bail people out when they make bad decisions?

    yes i understand bad stuff happens, a bread earning spouse gets killed in a freak accident and providing a helping hand in this type of unfortunate situation is appropriate.

    on the other hand a teenage couple get pregnant with no job or education to support a child. in this situation the government should not provide financial assistance and instead provide adoption services to ensure the child is properly taken care of without welfare!

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