Freaking Creditors

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Originally Posted by pentomato

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Originally Posted by JPaul

It's not about people's needs, it's about their wants. People want nice stuff they rarely need it. They get the credit card because they want stuff and don't think ahead, that's not the banks fault.

Re the interest part, that's just talking pish. Anyone who buys a car or a house with a credit card is an idiot. Anyone who doesn't have a fixed rate of interest on a car loan is an idiot. Anyone who doesn't arrange a fixed mortgage term is an idiot.

None of that is the bank's fault, it's people blaming the bank because of their own greed and stupidity.

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But you need a credit card for everything these days, you have to go in an emergency trip anywhere, and the only way to buy a ticket is on the internet with a credit card, and if you don't have the money you are screw.
I wasn't talking about buying a house on a credit card, credit is credit and it is not stupid that people want to own a house or a car.
Fix rates? Of course when you have a clue about it, but the mojority of people don't, not everybody is as smart as you.
Let me put it the way you may understand, when a bank for their benefit, lies and gives you a loan or a credit card that you can't afford, yes it is the banks fault.

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There's so much nonsense in their it beggars belief.

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Originally Posted by pentomato

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Originally Posted by JPaul

It's not about people's needs, it's about their wants. People want nice stuff they rarely need it. They get the credit card because they want stuff and don't think ahead, that's not the banks fault.

Re the interest part, that's just talking pish. Anyone who buys a car or a house with a credit card is an idiot. Anyone who doesn't have a fixed rate of interest on a car loan is an idiot. Anyone who doesn't arrange a fixed mortgage term is an idiot.

None of that is the bank's fault, it's people blaming the bank because of their own greed and stupidity.

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But you need a credit card for everything these days, you have to go in an emergency trip anywhere, and the only way to buy a ticket is on the internet with a credit card, and if you don't have the money you are screw.
I wasn't talking about buying a house on a credit card, credit is credit and it is not stupid that people want to own a house or a car.
Fix rates? Of course when you have a clue about it, but the majority of people don't, not everybody is as smart as you.
Let me put it the way you may understand, when a bank for their benefit, lies and gives you a loan or a credit card that you can't afford, yes it is the banks fault.

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Uh oh! Back to spastic mode, I see.

Even a stopped clock tells the right time twice a day.

Silly me for giving you the benefit of the doubt. :noes:

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Originally Posted by chalice

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Originally Posted by pentomato

But you need a credit card for everything these days, you have to go in an emergency trip anywhere, and the only way to buy a ticket is on the internet with a credit card, and if you don't have the money you are screw.
I wasn't talking about buying a house on a credit card, credit is credit and it is not stupid that people want to own a house or a car.
Fix rates? Of course when you have a clue about it, but the majority of people don't, not everybody is as smart as you.
Let me put it the way you may understand, when a bank for their benefit, lies and gives you a loan or a credit card that you can't afford, yes it is the banks fault.

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I am so stupid it must be the Irish in me.

Even a stopped clock tells the right time twice a day but I am stupid.
I am going to shut my fucking spastic mouth forever.
Silly me for been in love with a dog. Chalice said :noes:

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Fixed

Ah, so you're racist as well as retarded?

Fair enough.

/reported.

While we're on the subject, let's hear what else you've got to say about the Irish, pentomato.

Get it all out. I can take it.

:eat:

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Originally Posted by chalice

Ah, so you're racist as well as retarded?

Fair enough.

/reported.

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I like to think that most things are like mental judo, but you are going around reporting people like a hall monitor

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Originally Posted by MackDaddy

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Originally Posted by chalice

Ah, so you're racist as well as retarded?

Fair enough.

/reported.

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I like to think that most things are like mental judo, but you are going around reporting people like a hall monitor

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Well, in that case, I mental-judo'd the fuck out of you cos I didn't report anybody.

Aww, she ran away. No brains, no hope of intelligent response, no fucking anything.

Wot a sad cunt.

As fucking usual.

There's always tomorrow. :smilie4:

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Originally Posted by JPaul

Anyone who doesn't arrange a fixed mortgage term is an idiot.

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I disagree.

As does just about everyone on a Fixed Rate Mortgage at the moment.

I am so glad I went for the Lifetime Tracker :snooty:

Capped Rate and Offset are also good bets. (Woolwich are doing a 25 year Capped Rate at 3.49% at the moment)

Only an idiot will pay a Fee that takes any savings he'll make by the Mortgage Rate going up for a couple of years, and doesn't benefit at all from Mortages Rates going down :P

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Originally Posted by chalice

Ah, so you're racist as well as retarded?

Fair enough.

/reported.

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Racist me? Are you black? Funny playing the racist card, but I was refering just to you, not every idiot in Ireland, just you.

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Originally Posted by chalice

While we're on the subject, let's hear what else you've got to say about the Irish, pentomato.

Get it all out. I can take it.

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I don't have nothing good or bad to say about the Irish, but about you, nahhhh I woulnd't want you to cry like a girl that you are, you narcisist idiot, I think the english craping in your backyard and you eating it, has to do a lot with your retardness.

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Originally Posted by pentomato

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Originally Posted by chalice

While we're on the subject, let's hear what else you've got to say about the Irish, pentomato.

Get it all out. I can take it.

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I don't have nothing good or bad to say about the Irish, but about you, nahhhh I woulnd't want you to cry like a girl that you are, you narcisist idiot, I think the english craping in your backyard and you eating it, has to do a lot with your retardness.

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You clearly have something to say about the Irish or you wouldn't say they were stupid, which you clearly did.

If you wanted to call me stupid, you could have done just that. But you didn't, you called the whole country stupid.

Now, whether or not you know it, you're a fucking racist. A fucking stupid one at that. Now you're saying that the Irish eat English shit. If that's not racist, I don't know what the fuck is.

You don't have to apologise to me, I've been called worse than stupid but you really should apologise to the country if you wish to retain even a minuscule amount of dignity. You should maybe apologise to the English while you're at it, like.

You stupid fucking racist cunt. :smilie4:

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Originally Posted by JPaul

Re the interest part, that's just talking pish. Anyone who buys a car or a house with a credit card is an idiot. Anyone who doesn't have a fixed rate of interest on a car loan is an idiot. Anyone who doesn't arrange a fixed mortgage term is an idiot.

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I wish I was an idiot :pinch:

I took the advice of the time and arranged a fixed rate mortgage term last september. Now I'm still paying 5%+ while everyone else who stayed at the variable rate or got a base rate tracker is now paying hundreds of pounds less than they were. :emo:

I also got fixed rate energy tariff too last summer, as advised, and now all their rates are going down now too. Great. :emo:

Yep, Too clever for my own good, me :pinch:


Still, I've got a £15k credit limit on my card even though I never usually spend more than £100 a month, and I always pay off the balance EVERY month, so I mustn't grumble I suppose. The only debt I have is the mortgage, and I'm also paying into a personal pension fund for my retirement.

What's the betting that comes back to bite me in the arse too. :(

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Originally Posted by Barbarossa

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Originally Posted by JPaul

Re the interest part, that's just talking pish. Anyone who buys a car or a house with a credit card is an idiot. Anyone who doesn't have a fixed rate of interest on a car loan is an idiot. Anyone who doesn't arrange a fixed mortgage term is an idiot.

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I wish I was an idiot :pinch:

I took the advice of the time and arranged a fixed rate mortgage term last september. Now I'm still paying 5%+ while everyone else who stayed at the variable rate or got a base rate tracker is now paying hundreds of pounds less than they were. :emo:

I also got fixed rate energy tariff too last summer, as advised, and now all their rates are going down now too. Great. :emo:

Yep, Too clever for my own good, me :pinch:


Still, I've got a £15k credit limit on my card even though I never usually spend more than £100 a month, and I always pay off the balance EVERY month, so I mustn't grumble I suppose. The only debt I have is the mortgage, and I'm also paying into a personal pension fund for my retirement.

What's the betting that comes back to bite me in the arse too. :(

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But when the rates to go back to 8% or more you will on 5%, rates won't be that low for long, and energy it is going up again, wait and see, things won't be down for long, at the end you will better the way you are.

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Originally Posted by chalice

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Originally Posted by pentomato

I don't have nothing good or bad to say about the Irish, but about you, nahhhh I woulnd't want you to cry like a girl that you are, you narcisist idiot, I think the english craping in your backyard and you eating it, has to do a lot with your retardness.

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You clearly have something to say about the Irish or you wouldn't say they were stupid, which you clearly did.

If you wanted to call me stupid, you could have done just that. But you didn't, you called the whole country stupid.

Now, whether or not you know it, you're a fucking racist. A fucking stupid one at that. Now you're saying that the Irish eat English shit. If that's not racist, I don't know what the fuck is.

You don't have to apologise to me, I've been called worse than stupid but you really should apologise to the country if you wish to retain even a minuscule amount of dignity. You should maybe apologise to the English while you're at it, like.

You stupid fucking racist cunt. :smilie4:

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So your credit card rate is?

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Originally Posted by pentomato

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Originally Posted by chalice

You clearly have something to say about the Irish or you wouldn't say they were stupid, which you clearly did.

If you wanted to call me stupid, you could have done just that. But you didn't, you called the whole country stupid.

Now, whether or not you know it, you're a fucking racist. A fucking stupid one at that. Now you're saying that the Irish eat English shit. If that's not racist, I don't know what the fuck is.

You don't have to apologise to me, I've been called worse than stupid but you really should apologise to the country if you wish to retain even a minuscule amount of dignity. You should maybe apologise to the English while you're at it, like.

You stupid fucking racist cunt. :smilie4:

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So your credit card rate is?

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Thought so.

Thick as shite, racist and a coward too. You haven't even got the capacity to defend yourself. Not that you have any defence anyway.

I suppose that means I win. As usual. :happy:

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Originally Posted by pentomato

But when the rates to go back to 8% or more you will on 5%, rates won't be that low for long, and energy it is going up again, wait and see, things won't be down for long, at the end you will better the way you are.

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But I'm only fixed at 5% until November 2010. It'll automatically switch back to variable just in time for the rates to go back up, or change to another fixed deal but probably not as low, or a tracker not as good as the tracker I could have had back in september :pinch: :pinch:

If I'd gone for a tracker I'd be paying like 1.5% or something now.

Epic Financial Fail :nono:

You gotta be pretty stupid to call other people stupid, when you're that stupid.

...

That's circular, that is.

Something about glass houses and rocks also comes to mind.

I can see both sides of the personal responsibility argument. I tend to fall on the side of JP though, mainly because I'm one of those people who have no problem with managing my own life without the need for intervention. It's frustrating as fuck feeling like I'm supposed to spend my life not just tolerating other people, or respecting them on an equal level, but feeling sorry for them and empathising with them too. It seems the choice is either being a hard-hearted bitch or being a pussy. Instead I try to limit my empathy/sympathy reserves to those who really need it.....namely the top 50% of those on the need scale. For instance those without the basic amenities of life who can only dream of worrying how they're going to buy a train ticket online without a credit card.

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Originally Posted by Squeamous

I can see both sides of the personal responsibility argument. I tend to fall on the side of JP though, mainly because I'm one of those people who have no problem with managing my own life without the need for intervention. It's frustrating as fuck feeling like I'm supposed to spend my life not just tolerating other people, or respecting them on an equal level, but feeling sorry for them and empathising with them too. It seems the choice is either being a hard-hearted bitch or being a pussy. Instead I try to limit my empathy/sympathy reserves to those who really need it.....namely the top 50% of those on the need scale. For instance those without the basic amenities of life who can only dream of worrying how they're going to buy a train ticket online without a credit card.

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I only have a very few friends, but they are extremely high quality and that is the way that I like it, just being only around people that actually care about me makes all of the difference, I noticed that good people are generous, dependable, and hard working

You seem like a genuine person Squeamous

'I noticed that good people are generous, dependable, and hard working'

Never a truer word said. A person's word should be their bond.

I've noticed that blue things are blue.

I think you're a chatbot, though.

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Originally Posted by chalice

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Originally Posted by pentomato

So your credit card rate is?

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Thought so.

Thick as shite, racist and a coward too. You haven't even got the capacity to defend yourself. Not that you have any defence anyway.

I suppose that means I win. As usual. :happy:

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I defend myself from important stuff in life, been in a forum a defending myself against you? Gosh you are not important at all, you are just an idiot somewhere in earth.
Yes you win, retards always win and if they don't win, you let them win, good boy...

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Originally Posted by pentomato

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Originally Posted by chalice

Thought so.

Thick as shite, racist and a coward too. You haven't even got the capacity to defend yourself. Not that you have any defence anyway.

I suppose that means I win. As usual. :happy:

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I defend myself from important stuff in life, been in a forum a defending myself against you? Gosh you are not important at all, you are just an idiot somewhere in earth.
Yes you win, retards always win and if they don't win, you let them win, good boy...

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No, you can't defend yourself because you don't have the mental equipment to do so. You got yourself backed into a corner and your only recourse was to show your true colours as a racist. You let your little pointy hood slip and revealed yourself as the ignorant, intolerant idiot that your are.

Don't worry, I don't take any pleasure in the victory. I've seen fucking hamburgers put up a better fight than you.

So you can go back to pretending you're not a sad little racist again, you sad, sad child.

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Originally Posted by chalice

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Originally Posted by pentomato

I defend myself from important stuff in life, been in a forum a defending myself against you? Gosh you are not important at all, you are just an idiot somewhere in earth.
Yes you win, retards always win and if they don't win, you let them win, good boy...

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No, you can't defend yourself because you don't have the mental equipment to do so. You got yourself backed into a corner and your only recourse was to show your true colours as a racist. You let your little pointy hood slip and revealed yourself as the ignorant, intolerant idiot that your are.

Don't worry, I don't take any pleasure in the victory. I've seen fucking hamburgers put up a better fight than you.

So you can go back to pretending you're not a sad little racist again, you sad, sad child.

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I am glad I made you cry little girl. You are an insignificant prick.
ahahahahaha, Intolerant? I am tolerating you idiotic excrement.
Do yourself a favor and make air castles or better go to the forest and talk to the trees, they may care about what you have to say stupid fuck.
The only racist here with a huge complex, believing that is better than anyone is you, just shut up already poor man.

If you don't care about what he has to say then why did you reply?

I find this behaviour baffling, but it's amazing how often it happens. :dabs:

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Originally Posted by pentomato

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Originally Posted by chalice

No, you can't defend yourself because you don't have the mental equipment to do so. You got yourself backed into a corner and your only recourse was to show your true colours as a racist. You let your little pointy hood slip and revealed yourself as the ignorant, intolerant idiot that your are.

Don't worry, I don't take any pleasure in the victory. I've seen fucking hamburgers put up a better fight than you.

So you can go back to pretending you're not a sad little racist again, you sad, sad child.

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I am glad I made you cry little girl. You are an insignificant prick.
ahahahahaha, Intolerant? I am tolerating you idiotic excrement.
Do yourself a favor and make air castles or better go to the forest and talk to the trees, they may care about what you have to say stupid fuck.
The only racist here with a huge complex, believing that is better than anyone is you, just shuy up already poor man.

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All that bollocks doesn't make you any less of a racist, you know. You can try to deflect it all you like.

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The only racist here with a huge complex, believing that is better than anyone is you, just shuy up already poor man.

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Do you even read what you post before you post it? That has to be up there with the most inept, mind-numbingly infantile 'sentences' (and I use that term very generously) I've ever read in my life. Are you really 44 years of age? You must've spent your school years in a fucking chicken coop and the rest of your sorry life in a home for the incurably stupid.

Seriously, I might just let my next door neighbour's pet hamster wind you up on the internet from now on. It would level the playing field at least.

http://www.chinabagsdepot.com/pic/Ha...0460364356.jpg
http://www.rwandatourism.com/images/photos/akaDawn.jpg

:lol:

That fucking mong would mistake the handbag for its dinner.

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Originally Posted by chalice

:lol:

That fucking mong would mistake the handbag for its dinner.

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chalice, just name one thing that you have contributed to this forum that has to do with file sharing?

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Originally Posted by MackDaddy

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Originally Posted by chalice

:lol:

That fucking mong would mistake the handbag for its dinner.

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chalice, just name one thing that you have contributed to this forum that has to do with file sharing?

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Why? Is this a quiz? What will I win? Do you have a point?

If you're really that interested, my post history is there for all to see. Knock yourself out.

I've been on this forum for 6 years, you've been here for 5 minutes. Did you miss the part on the Lounge link where it says we can talk about anything we like in here? I suppose you must have. :01:

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Originally Posted by MackDaddy

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Originally Posted by chalice

:lol:

That fucking mong would mistake the handbag for its dinner.

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chalice, just name one thing that you have contributed to this forum that has to do with file sharing?

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I haven't talked about file sharing here since about 2004.

Co-incidentally this is about the same time that all the tards joined. Go figure.

what's filesharing?

That thing people do before they discover newsgroups.

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Originally Posted by Snee

That thing people do before they discover newsgroups.

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I actually remember those days. True Story.

so now you pay to get content that you could get for free?

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Originally Posted by Albo Da Kid

so now you pay to get content that you could get for free?

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Who does.

who does what. you mean who gets free content or who pays for newsgroups?? I'll let pentamato make sense of this one.. He's the only one that can take a post completely out of context, throw in a couple of invalid miscalculations and a couple of haha's, and make sense of it his own way

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Originally Posted by Albo Da Kid

who does what. you mean who gets free content or who pays for newsgroups?? I'll let pentamato make sense of this one.. He's the only one that can take a post completely out of context, throw in a couple of invalid miscalculations and a couple of haha's, and make sense of it his own way

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I mean I don't pay for newsgroups, hence when you said "you" paid for it I asked who did.