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Yesterday, 03:37 PM
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#37376 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,989
Thanked 5,113 Times in 1,872 Posts
Failed 153 Times in 90 Posts
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Originally Posted by Badhobz  lawl no risk for me! my herp a derp a derp derp dies with me.
send me to the big retard farm in the sky where i can practice collender head butting. https://www.youtube.com/watch?v=tHZIbp0G-d0
p.s. i thought she's white? isnt she white Mikey!? she looks more white than asian. | lol not you bro, you know who I'm talking about.
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Yesterday, 03:38 PM
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#37377 | | Willing to sell a family member for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 13,058
Thanked 14,864 Times in 5,560 Posts
Failed 541 Times in 294 Posts
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Nobody's stealing my resident retard position! How dare you usurp me!
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Geriatric Motoring Crub Member #444 | |
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Yesterday, 03:41 PM
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#37378 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,989
Thanked 5,113 Times in 1,872 Posts
Failed 153 Times in 90 Posts
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lol fine but autistic doesn't mean retard. You can be a retard lol. I'm saying we got a lot of Sheldon Coopers here not Forrest Gumps.
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Yesterday, 04:02 PM
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#37379 | | Lomac owned my ass at least once
Join Date: Apr 2014 Location: Van
Posts: 6,280
Thanked 2,584 Times in 1,396 Posts
Failed 243 Times in 149 Posts
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Wait she's jungle Asian? Say no more, does she have a house she's wiring money back to rebuild? Kids she's raising back in home country?
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Yesterday, 04:31 PM
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#37380 | | OMGWTFBBQ is a common word I say everyday
Join Date: Dec 2009 Location: Burnaby
Posts: 5,335
Thanked 7,471 Times in 2,721 Posts
Failed 295 Times in 128 Posts
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Originally Posted by whitev70r For some, a 6.5 lady is already punching above their level ...  . Myself included, I'm like a 5.5 on a good day after a haircut. | Yet to be confirmed.
__________________ Quote:
Originally Posted by MG1 In Mike we Trust | Quote:
Originally Posted by westopher LOOK AT ME IM MIKE AND I HAVE A BIG HOG AND I DRINK TEQULA AND WORK OUT AND LISTEN TO CHARLI XCX ON THE BEACH IN BERMUDA
Grow up fuckin Peter Pan and get a good nights rest. | | |
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Yesterday, 04:41 PM
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#37381 | | My homepage has been set to RS
Join Date: Nov 2008 Location: vancouver
Posts: 2,476
Thanked 2,761 Times in 659 Posts
Failed 344 Times in 79 Posts
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Originally Posted by Eff-1 One thing I can't wrap my head around. How does someone end up with $40k in CC debt?
My brain cannot process that.
The only scenario I could think of is there was some kind of desparate emergency and CC was no other option?
Or you spend $40k on something big like a renovation or a car, and then lose your job the next day?
Or is it just terrible lack of awareness when it comes to spending?
My parents always paid off the CC in full, every month, and I guess that stuck with me. I've never thought of my CC as way to buy something I couldn't afford to buy with cash.
Sorry I don't mean to be naive, it's genuine question. | A pair of siblings is know is like this, maxed out their credit cards and LOCs working crappy cash jobs to look like they’ve made it. These people actually exist lol
Their mentality is that they’ll pay if off easily when they make more money, which never ends up happening
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Yesterday, 05:45 PM
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#37382 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,233
Thanked 2,914 Times in 1,150 Posts
Failed 258 Times in 75 Posts
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I know a girl with deadbeat parents but received $4K/month allowance for not being there.
Financed a CLA250 2016, which is funny because she made a statement about guys driving Honda/Toyota's. It was a 2008 Model, that's new in my world.
She also mentioned how she never checks her CC Statements or knows how much is outstanding. Doesn't pay on time, just throws $500-1,000 whenever it comes up on her mind.
Recently she bought a new condo because her old condo reminded her of her ex. Caveat? She has no job either.
You can't make this shit up. I'm semi-jealous
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2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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Yesterday, 05:56 PM
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#37383 | | Willing to sell a family member for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 13,058
Thanked 14,864 Times in 5,560 Posts
Failed 541 Times in 294 Posts
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is she hot? send her crazy ass to bic baws or whoever needs a .... hand here.
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Geriatric Motoring Crub Member #444 | |
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Yesterday, 06:27 PM
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#37384 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,233
Thanked 2,914 Times in 1,150 Posts
Failed 258 Times in 75 Posts
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I'd say she's a 9 to fobs, 8-8.5 to most people. It's hard to refer attractive girls to friends, they only want tall or rich because all their past bfs.
Not good to date, and piping attractive girls are tough.
__________________
2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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Yesterday, 06:55 PM
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#37385 | | Lomac owned my ass at least once
Join Date: Apr 2014 Location: Van
Posts: 6,280
Thanked 2,584 Times in 1,396 Posts
Failed 243 Times in 149 Posts
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How do you get a mortgage with no job? Of?
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Yesterday, 07:29 PM
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#37386 | | Willing to sell a family member for a few minutes on RS
Join Date: Oct 2016 Location: Ricemond
Posts: 13,058
Thanked 14,864 Times in 5,560 Posts
Failed 541 Times in 294 Posts
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Just tell her bic baws is rich. He drives a civic !!!
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Geriatric Motoring Crub Member #444 | |
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Yesterday, 08:43 PM
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#37387 | | OMGWTFBBQ is a common word I say everyday
Join Date: Nov 2010 Location: /
Posts: 5,233
Thanked 2,914 Times in 1,150 Posts
Failed 258 Times in 75 Posts
| Quote:
Originally Posted by JDMDreams How do you get a mortgage with no job? Of? | Shady mortgage ppl, B lending, dad co-sign, high net worth mortgage
__________________
2022 Velo N
2005 S2000
2007 CSX Type-S [Sold]
2002 RSX-S [T-Boned]
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Yesterday, 09:11 PM
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#37388 | | Revscene.net has a homepage?!
Join Date: Nov 2012 Location: YVR
Posts: 1,277
Thanked 1,137 Times in 543 Posts
Failed 66 Times in 23 Posts
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Out of control gen z spending and how they justify it. Read this and cringe. https://macleans.ca/longforms/the-do...d=nq2vfsijws7e | |
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Yesterday, 10:25 PM
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#37389 | | linguistic ninja
Join Date: Aug 2001 Location: Vancouver, BC
Posts: 16,989
Thanked 5,113 Times in 1,872 Posts
Failed 153 Times in 90 Posts
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Maybe Mike's GF spent 40K on Labubus?
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Yesterday, 11:43 PM
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#37390 | | I answer every Emotion with an emoticon
Join Date: Aug 2007 Location: Paradise, BC
Posts: 7,930
Thanked 7,728 Times in 3,186 Posts
Failed 259 Times in 145 Posts
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Originally Posted by unit i was making a decent income and still young so i thought i could climb out of any hole.
i guess that's where mikes gf is at, she knows she makes good money so she thinks with just a little discipline she can handle anything.
the thing she doesnt understand yet is like any addiction you have to hit rock bottom before you can fix it.
she has to realize that 40k is a fucking lot unless you're making FU money and it will take an entire lifestyle change for any middle class person to get out of it. | You know, I tend to agree with the thinking that as long as I am making good money, I can climb out of most financial holes that I might get myself into.
But the biggest caveat that goes along with the thinking is -- you need to have utmost control and discipline, and you need to have the decisiveness to exercise that control and discipline when the time calls for it.
I don't remember what (or whether) Mike mentioned how much her gf makes. But for a nurse, a safe, conservative bet is probably at least $120k/yr? Let's say her take home pay at the end of the day is 60% -- so that's $72k.
To me, a $20 - $30k/yr expense should probably be enough to support a bare bones to basic creature comforts life style. That leaves $42 - $52k, which means in theory, the $40k debt could be paid off in a year or less. As long as I am still capable of making good money, is it really that bad to maintain a $40k debt?
The single biggest thing that I would do differently is to not leave that debt on the CC. Instead, I'd transfer it to a low interest loan of some sort to save on debt servicing costs.
For me, a debt that I can pay off within a year is probably the ceiling amount of what I'd be comfortable with. And that means I would consider doing one of two things:
1. maintain the debt at the current level (and continue to enjoy my current lifestyle), or
2. make slight changes to the current lifestyle to reduce expenses and gradually bring the total debt amount to something smaller
Again, the emphasis needs to be control and discipline. When you need to call it quits, you need to call it quits. (This is actually something I eventually came to realize after enough dating -- when you need to call it quits, you need to call it quits.) And when there is a goal you want to / need to reach, you need the decisiveness to put that goal into action.
__________________ Quote:
Originally Posted by westopher The whole world has gone down a road no one can recover from, and it's nothing to do with governments, it's because so much of the general public is so fucking stupid. | | |
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Today, 12:06 AM
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#37391 | | RS Veteran
Join Date: Dec 2001 Location: Your Location
Posts: 32,596
Thanked 14,194 Times in 5,929 Posts
Failed 527 Times in 351 Posts
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Originally Posted by Badhobz Just tell her bic baws is rich. He drives a civic !!! | Excuse me, sir. But it is a Type R!
__________________ Quote:
Originally Posted by Badhobz I used to date this crazy cbc bitch in college.
I miss this slut and her magical ass. | Quote:
Originally Posted by whitev70r ^ too early, too soon for reason and logic. | | |
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