[evolusd]

The most memorable moment I have from the various San Diego attractions is the Photo Caravan Safari offered by the San Diego Wild Animal Park. It was a bit pricey ($90/person), but TOTALLY worth it.

They took us out on a flatbed truck into the area where the animals are. We got to HAND FEED huge Rhinos and Giraffes…it was so freakin cool. Highly recommended!

http://www.sandiegozoo.org/calendar/wap_photo_caravan.html

[evolusd]

What about $40k for college fees? I don’t understand your point there, qwerty.

So what if everyone uses credit cards to purchase what they need…I know I do so I can earn points/miles/cash. However, I know (as everyone else should) that I will have to pay that money back with interest and that I shouldn’t buy what I cannot afford. Nothing in this world is free.

You’re saying the point is that people who “don’t have the experience to understand how quickly debt can pile up are targeted”. Sorry…no sympathy. All someone has to do is ask themselves right before they swipe that credit card, do I have enough money to pay for this? Not rocket science.

I will give in to one argument you are making…banks make a killing off people who are naive enough to get into debt over their heads. However, there is a risk/return ratio that you have to consider. Those who are late and aren’t paying their bills are a much higher risk to the bank, so they should be charged a higher rate and fees for NOT LIVING UP TO THEIR END OF THE CONTRACT.

[evolusd]

What about $40k for college fees? I don’t understand your point there, qwerty.

So what if everyone uses credit cards to purchase what they need…I know I do so I can earn points/miles/cash. However, I know (as everyone else should) that I will have to pay that money back with interest and that I shouldn’t buy what I cannot afford. Nothing in this world is free.

You’re saying the point is that people who “don’t have the experience to understand how quickly debt can pile up are targeted”. Sorry…no sympathy. All someone has to do is ask themselves right before they swipe that credit card, do I have enough money to pay for this? Not rocket science.

I will give in to one argument you are making…banks make a killing off people who are naive enough to get into debt over their heads. However, there is a risk/return ratio that you have to consider. Those who are late and aren’t paying their bills are a much higher risk to the bank, so they should be charged a higher rate and fees for NOT LIVING UP TO THEIR END OF THE CONTRACT.

[evolusd]

What about $40k for college fees? I don’t understand your point there, qwerty.

So what if everyone uses credit cards to purchase what they need…I know I do so I can earn points/miles/cash. However, I know (as everyone else should) that I will have to pay that money back with interest and that I shouldn’t buy what I cannot afford. Nothing in this world is free.

You’re saying the point is that people who “don’t have the experience to understand how quickly debt can pile up are targeted”. Sorry…no sympathy. All someone has to do is ask themselves right before they swipe that credit card, do I have enough money to pay for this? Not rocket science.

I will give in to one argument you are making…banks make a killing off people who are naive enough to get into debt over their heads. However, there is a risk/return ratio that you have to consider. Those who are late and aren’t paying their bills are a much higher risk to the bank, so they should be charged a higher rate and fees for NOT LIVING UP TO THEIR END OF THE CONTRACT.

[evolusd]

What about $40k for college fees? I don’t understand your point there, qwerty.

So what if everyone uses credit cards to purchase what they need…I know I do so I can earn points/miles/cash. However, I know (as everyone else should) that I will have to pay that money back with interest and that I shouldn’t buy what I cannot afford. Nothing in this world is free.

You’re saying the point is that people who “don’t have the experience to understand how quickly debt can pile up are targeted”. Sorry…no sympathy. All someone has to do is ask themselves right before they swipe that credit card, do I have enough money to pay for this? Not rocket science.

I will give in to one argument you are making…banks make a killing off people who are naive enough to get into debt over their heads. However, there is a risk/return ratio that you have to consider. Those who are late and aren’t paying their bills are a much higher risk to the bank, so they should be charged a higher rate and fees for NOT LIVING UP TO THEIR END OF THE CONTRACT.

[evolusd]

What about $40k for college fees? I don’t understand your point there, qwerty.

So what if everyone uses credit cards to purchase what they need…I know I do so I can earn points/miles/cash. However, I know (as everyone else should) that I will have to pay that money back with interest and that I shouldn’t buy what I cannot afford. Nothing in this world is free.

You’re saying the point is that people who “don’t have the experience to understand how quickly debt can pile up are targeted”. Sorry…no sympathy. All someone has to do is ask themselves right before they swipe that credit card, do I have enough money to pay for this? Not rocket science.

I will give in to one argument you are making…banks make a killing off people who are naive enough to get into debt over their heads. However, there is a risk/return ratio that you have to consider. Those who are late and aren’t paying their bills are a much higher risk to the bank, so they should be charged a higher rate and fees for NOT LIVING UP TO THEIR END OF THE CONTRACT.

[evolusd]

I completely disagree. They failed to ask the ‘victims’ this simple question: “So what exactly did you spend the money on that you BORROWED?”

I have little pity for those who borrower more than they can handle and I definitely don’t see the banks as predatory (traditional banks anyway). If you don’t pay back your debt with the interest you agreed to, you should be punished. Of course, there are those rare cases where a medical emergency or other unfortunate circumstance contribute to a person’s inability to pay. Those types should be helped…but they are not the norm.

[evolusd]

I completely disagree. They failed to ask the ‘victims’ this simple question: “So what exactly did you spend the money on that you BORROWED?”

I have little pity for those who borrower more than they can handle and I definitely don’t see the banks as predatory (traditional banks anyway). If you don’t pay back your debt with the interest you agreed to, you should be punished. Of course, there are those rare cases where a medical emergency or other unfortunate circumstance contribute to a person’s inability to pay. Those types should be helped…but they are not the norm.

[evolusd]

I completely disagree. They failed to ask the ‘victims’ this simple question: “So what exactly did you spend the money on that you BORROWED?”

I have little pity for those who borrower more than they can handle and I definitely don’t see the banks as predatory (traditional banks anyway). If you don’t pay back your debt with the interest you agreed to, you should be punished. Of course, there are those rare cases where a medical emergency or other unfortunate circumstance contribute to a person’s inability to pay. Those types should be helped…but they are not the norm.

[evolusd]

I completely disagree. They failed to ask the ‘victims’ this simple question: “So what exactly did you spend the money on that you BORROWED?”

I have little pity for those who borrower more than they can handle and I definitely don’t see the banks as predatory (traditional banks anyway). If you don’t pay back your debt with the interest you agreed to, you should be punished. Of course, there are those rare cases where a medical emergency or other unfortunate circumstance contribute to a person’s inability to pay. Those types should be helped…but they are not the norm.

[evolusd]

I completely disagree. They failed to ask the ‘victims’ this simple question: “So what exactly did you spend the money on that you BORROWED?”

I have little pity for those who borrower more than they can handle and I definitely don’t see the banks as predatory (traditional banks anyway). If you don’t pay back your debt with the interest you agreed to, you should be punished. Of course, there are those rare cases where a medical emergency or other unfortunate circumstance contribute to a person’s inability to pay. Those types should be helped…but they are not the norm.

[evolusd]

Also…I HIGHLY DOUBT they were advising their clients not to buy in 2007 as he said in the UT comments. You really think they’d be turning away commissions when they’re losing their own properties left and right?

[evolusd]

Also…I HIGHLY DOUBT they were advising their clients not to buy in 2007 as he said in the UT comments. You really think they’d be turning away commissions when they’re losing their own properties left and right?

[evolusd]

Also…I HIGHLY DOUBT they were advising their clients not to buy in 2007 as he said in the UT comments. You really think they’d be turning away commissions when they’re losing their own properties left and right?

[evolusd]

Also…I HIGHLY DOUBT they were advising their clients not to buy in 2007 as he said in the UT comments. You really think they’d be turning away commissions when they’re losing their own properties left and right?

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