A lot of good points being made in this thread.

Yeah, when I was in real estate, I wish I had a commission for every buyer who failed to qualify because they wanted more house than the mortgage company said they had income for. And most who did get houses were at the upper limit.

Regarding toys, whether on credit or not, to me that is a sign of workers making good income. We would be wrong to begrudge them that just as it's wrong for Dakota to begrudge business owners healthy profits. Somebody else's good fortune has NO bad effect on one's own situation. That's my nice side talking hahahaha.

Now for my not so nice side: what I SHOULD have said regarding work ethic is that it is an oxymoron. Work is a damn four letter word, and there is nothing ethical about it. The relationship between employer and employee is ADVERSARIAL - the worker does the least and worst he can get away with for the most money he can squeeze out of the boss. Conversely, the boss works the employee's ass off for as little pay as he can get away with giving him. Of course, most people on both sides of that situation are too nice to stick the knife in to the hilt, but that's the nature of the relationship. It's the same with landlord/tenant, policy holder/insurance company, creditor/borrower, etc. Dakota talked about the "abomination of greed"; No - greed is the norm. A bunch of individuals acting in their own greedy self interest will result in maximization of the common good for everybody. That's the theory anyway hahahahaha.

Originally Posted by: texaspackerbacker 

I don't begrudge someone buying pretty toys. It doesn't make sense to buying everything you own on credit. It may show that a person has a good income but until the collapse most small loans were made irregardless of income. Your name was what got you the loan more than the income.

Originally Posted by: wpr 

You're LEAPING to the assumption that the items on credit get paid for hahahaha. Vehicles as a rule, can be repossessed, but unsecured credit? Let the creditor beware!

I'm anxious to see the reaction of Dakota to this - will the champion of Joe Sixpack get all pious and self-righteous like he does about cheating (or even complaining) on taxes? Or will he come out in favor of sticking it to the rich banker/creditor class?

Originally Posted by: texaspackerbacker 

Since your baiting, the only debt a person should carry is his mortgage and very low interest school loans. Everything else a person should weigh out it being a need or want.

Sticking it to the banker by defaulting on a loan or filing bankruptcy is unrighteous to say the least. The only real legitimate reason for bankruptcy is huge medical debt do to something tragic. I understand that a lot of people have lost jobs and had to default on mortgages and vehicles, but how far did they extend themselves to the slavery of debt? I've always lived by a simple rule that states that you should have 6 months worth of salary in a savings account to cover your debts should you lose your job.

Yeah Texas, the bank doesn't make a whole lot off me. I usually pay off loans well before they are due.

Originally Posted by: DakotaT 

OK I guess that tells me what I want to know hahahaha. What you like to rant and whine about - the "rich", the creditor class, the businesses who finance debt, etc. - all those "evil" people and institutions you claim to hate so much, I LIVE what you rant about. Since the early 80s, I have been abusing credit to the best extent I could - I mean intentionally not paying unsecured debt. If you're shocked or want to think of me as "unrighteous", fine, but I'm DOING what you're only talking or fantasizing about - a sharp stick in the eye of the "rich".

Originally Posted by: texaspackerbacker 

OK I guess that tells me what I want to know hahahaha. What you like to rant and whine about - the "rich", the creditor class, the businesses who finance debt, etc. - all those "evil" people and institutions you claim to hate so much, I LIVE what you rant about. Since the early 80s, I have been abusing credit to the best extent I could - I mean intentionally not paying unsecured debt. If you're shocked or want to think of me as "unrighteous", fine, but I'm DOING what you're only talking or fantasizing about - a sharp stick in the eye of the "rich".

Originally Posted by: texaspackerbacker 

That's quite a douchebaggy way to go about things, but it does show how broken the system is/was.

Like Dakota said, though, that has little to do with standing up for those who need it and more with questionable ethics. If anything, I'd go a step further and make it clear that, especially the lower/middle class, has absolutely no reason to work themselves into debt. A mortgage on a house, that's the only one I get.

Originally Posted by: Rockmolder 

In reply to both your post and Dakota's, either those "rich" bastards are evil or they aren't - make up your mind. If they are the kind of asshole Dakota says, then any small dent in their bottom line is a good thing - morally justified. Conversely, if Dakota's more recent take on things is true - "Thou shalt not cheat the cheaters", then there must be a particle of chance that some of them are NOT evil. I'm not gonna worry about that - I'm just gonna do all I can get away with, and feel good about it. As for WWJD, I don't know, maybe something similar to overturning the tables of the money changers in the Temple. Who say ANYTHING about standing up for those who need it. It's all about nipping at the heels of the establishment types. A mortgage on a house is the one thing you DON'T default on because it can get foreclosed. Ditto that for secured debt on vehicles or other repossessable items.

Originally Posted by: texaspackerbacker 

You're too obtuse to even know what you do is wrong? Cheating a cheater doesn't make your act right, well maybe "right" but certainly not correct. Raping a prostitute is still rape. If you don't get these simple concepts - what makes you think anybody should give you any credibility on complex subjects. Yeah, Texadumbass, people like me really do exist. I don't cheat on my wife, my taxes, and I don't buy shit I can't afford to own. Call me pious all you want to, but I walk tall and can look anybody square in the eye.

Originally Posted by: DakotaT 

If you're sincerely pious, I applaud you for it too - and you very well may be. However, so MUCH of what you post is based on at best, honest but dense contradiction, and at worst, disingenuous bullshit. In other words, you're just plain WRONG virtually all the time for reasons which are totally unclear.

Frankly, I don't give a damn whether my behavior is considered "right" or "correct" or whatever. Hell yeah, you got the moral high ground as well as the majority opinion on that front. All I say is I am CONSISTENT - Not a walking talking contradiction like you. Of course, people like you exist; Most of them are Tea Partiers, are America-loving Americans, would NEVER be mistaken because of their words for leftists, probably would be too courteous and non-combative to even post in a forum like this. What they WOULD be is the exact kind of people you spew so much hate about - is it a coincidence that you are saturated with sick reverse ethnocentricity? I don't think so.

Originally Posted by: texaspackerbacker 

You should probably work on yourself a lot more before you need to worry about me or thinking you know anything about me. Having a good life in this country is about work and dedication to set goals, not finding all the short cuts cause a person lacks a spine, character, or work ethic.

Originally Posted by: DakotaT 

And like I said ... I was right and you clowns are too stupid and naive to branch that into something worth reading. Now, if your parents, and grandparents were more apt to give you vicious spankings when you were younger, you'd hold a higher respect for others. Damn kids these days ...

Originally Posted by: Zero2Cool 

Dakota, I only brought you up because you were doing a pretty good job of bragging about your own piety - which may very well be true - however, most pious people with all the (self)-righteousness you possess do NOT go around spewing HATE on the ACHIEVER CLASS of people in this country, and even more, they do NOT go around spewing negative bullshit about America itself. The largest group possessing the wonderful qualities you claim to have - and I'm not saying you don't have them - actually ARE that Achiever Class of People you hate so much.

I already said what I think of "work ethic" - that oxymoron. You say having a good life in this country is all about working your ass off? Fine, you're entitled to your opinion, and you are entitled to LIVE your opinion. MY concept of the good life, however, is reaching a point where you no longer need to work your ass off - and doing so early enough in life to still enjoy oneself. I'm certainly not saying my way is more moral than your way. I am, however, saying that following the damn rules - being a "sheeple" - wow, the first time I have ever used that word in a post hahahaha, THAT is not automatically moral or righteous either - especially considering (possibly one of the few things we agree on) the rottenness of those who get ahead by taking advantage of us poor people who didn't get the good stuff in the sperm pool or whatever that line of yours is. We have serious disagreement, however, as to who exactly is so hateable. While you whine and rant so horribly about Tea Partiers - mostly just good normal small businessmen, doctors, lawyers, whatever who you claim do harm to others, I have the same extremely negative feelings toward banks, finance companies, insurance companies, government regulators, tax agencies, etc. as you have toward good normal Americans. And unlike you, I do more than just whine and rant hahahaha. I don't give a damn whether you or anybody else see my actions as good or right or moral or whatever. I just say they make a helluva lot more sense than a guy who densely targets the wrong people, does nothing effective except lamely rant against them, then brags about what a pious person he is for working his ass off and failing to enjoy the wonderful life we all have - except those too damn stubborn to enjoy it hahahaha.

In keeping with the thread, I will now go and have a Walmart brand Hostess (type) cupcake - no Walmart brand Twinkies on hand right now.

Originally Posted by: texaspackerbacker 

It is not a bad thing to "strive to" own one.. but many that do shouldn't do to their financial situation or that they buy "too much" house and cannot afford it.

That is my view upon it.. even I a financial conservative think I probably extended to far, even though my house is modest and the land was owned for years. But I am a mostly a tightwad in my aging days, lol.

Originally Posted by: Pack93z 

I rant about Tea Partiers because they are walking hypocrites. No "Christian" denigrates the people in poverty and blames them for our financial problems. I blame the country's financial problems on the people that hold all the wealth because of their greed.

As for you, I could give a shit less if you want to default on credit card debt, but don't go all high and mighty on the rest of us as un-American when you're personally dragging us all down with your questionable financial ethics. We hold our opinions of our country and government because of corruption.

Originally Posted by: DakotaT 

Gosh, Dakota, you call THEM Hypocrites - Tea Partiers? I have never heard anybody in that category of people spew hate on anybody or denigrating any American. YOU are the damn hypocrite - shotgunning misguided hate at a bunch of good normal people whose only crime is ACHIEVING - doing well in the economic system we have - ironically, mostly by exactly what you seem to cherish the most - working their ass off. When did you EVER hear any Tea Partier/any conservative of any shade blame "the country's financial problems" on the poor? That's just ridiculous. Left wingers trying to buy the votes of the poor maybe, but how in the hell could the poor ever be blamed? And for that matter, what "financial problems" anyway? That whole line about financial problems is trumped up bullshit.

I'm "personally dragging ya'all down" huh hahahahaha? Aside from not giving a damn, I have to laugh and wonder HOW? I'm not advocating anybody do anything, especially not copy me. I will point out how inconsistent and basically gutless it is for you - the wild-eyed hater of those horrible rich people hahahaha to meekly play by THEIR rules - laying down or should I say kneeling down before those rich bastards you love to whine and rant about.

And when did I ever call you "un-American"? (you are so fond of saying "us" - I don't know if there is a mouse in your pocket or what, but NOBODY else in here is worthy of being labeled that way like you are). Just the same, the closest I ever came to labeling you "un-American" is pointing out how you love to spew such vile ANTI (not un-)-American bullshit.

Originally Posted by: texaspackerbacker 

You've called me un-American plenty, Jackass. In fact, you've called just about anybody who doesn't see things in your tunnel vision way - un-American.

So let me get this straight, I am suppose to betray the code I live by in life just to play by their rules? Well, that would make me a pile of shit just like they are. Obviously, that doesn't bother you, since you admit racking up cc debt and defaulting on it. Way to go, you really one over on them. [sarcasm] People like you are worse than those abled bodied souls with their hand out for welfare.

And, Tea Partiers most certainly do hate the people of poverty and welfare. They look at them as an albatross. All you have to do is go get involved in Facebook and watch all the crap that is posted. Shot-gunning hate, huh? I just thought I was pointing out the fundamental flaws in their thinking. But then again, I actually think about a subject instead of getting all my ideas from the professional shot-gunners from the FOX Network like the Tea Partiers do.

Originally Posted by: DakotaT