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Joined: Nov 2008
Posts: 19,563 Likes: 3
Campfire Ranger
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OP
Campfire Ranger
Joined: Nov 2008
Posts: 19,563 Likes: 3 |
Anybody that would run a payday lending outfit would sell crack to an expectant mother.
"Hey, it's her choice!"
"maybe I can refer her to my buddy running an abortion mill on the corner!"
The money is all the same color right?
MAGA
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Joined: Feb 2006
Posts: 43,913 Likes: 11
Campfire 'Bwana
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Campfire 'Bwana
Joined: Feb 2006
Posts: 43,913 Likes: 11 |
Several of my old concrete buddies would get an advance from the boss.
Same dudes. Good workers most of the time but went wild every weekend.
Boss probably dinged 'em here and there.
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Joined: Feb 2020
Posts: 4,890 Likes: 2
Campfire Tracker
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Campfire Tracker
Joined: Feb 2020
Posts: 4,890 Likes: 2 |
Only place I ever saw them were in Military towns (Norfolk) and I knew way back then that they were predatory lenders. And being young and dumb I spent all my money from check to check but I wasn't dumb enough to fall for that kind of scam. All kinds of that crap going on in that setting. Those and buy here pay here car dealerships. This was a very long time ago but the only experience I have with it.
Hell there aren't even any pawn shops that I know of within 75 miles of where I live now.
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Joined: Dec 2015
Posts: 8,069
Campfire Outfitter
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Campfire Outfitter
Joined: Dec 2015
Posts: 8,069 |
No different than a buy here pay here lot. Its predatory lending all around. I know an older gentleman that's made himself a comfortable millionaire over the years selling jalopies at 18% interest. Here's the problem. The same customers come back again and again over the years.
I'll also admit to using one once when i was young. I was trying to hold onto a job I really wanted one time. Economy was falling so it got pretty lean around the house. Got to the point i could fill the gas tank or have food for the week but not both. I paid it immediately after my next paycheck and ate noodles all week. That's a problem? How? it sounds to me like a good business model which must be offering a needed service to their customer base or they wouldn't continue to "come back again and again." I don't know a lot about 'em, but I do believe they must serve a population which couldn't otherwise get a needed service anywhere else. Seems to me there's a whole lot of other businesses which we could pass a morality judgment on too. How about strip clubs? Or bars in general? How many people have a "few" drinks and get behind the wheel? Go home and kick the dog, maybe the ol' lady and kids too?
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Joined: Jan 2005
Posts: 38,904 Likes: 7
Campfire 'Bwana
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Campfire 'Bwana
Joined: Jan 2005
Posts: 38,904 Likes: 7 |
Given the answers anytime the question of hoarding comes up, I would say that 'fire's opinion would be "Salt of the Earth, Shrewd Businessmen".
Not a real member - just an ordinary guy who appreciates being able to hang around and say something once in awhile.
Happily Trapped In the Past (Thanks, Joe)
Not only a less than minimally educated person, but stupid and out of touch as well.
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Joined: Dec 2013
Posts: 23,686 Likes: 1
Campfire Ranger
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Campfire Ranger
Joined: Dec 2013
Posts: 23,686 Likes: 1 |
Several of my old concrete buddies would get an advance from the boss.
Same dudes. Good workers most of the time but went wild every weekend.
Boss probably dinged 'em here and there. I loan to my guys all the time. Let them pay it off any terms they want. No interest. Drives me nuts but what do you do. Most drink and smoke, all have smart phones, eat out lunch every day rather than pack, buy coffee instead of bringing a thermos from home etc.... most of the borrowers won't work overtime either. Pisses me off. Basic budgeting skills are lost on most.
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Joined: Jan 2012
Posts: 67,169 Likes: 38
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2012
Posts: 67,169 Likes: 38 |
Big here,Ft.Campbell
blood plasma centers
Payday loans
Pawn shops
Title Max, put your car up yo rent money
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Joined: Feb 2009
Posts: 11,920
Campfire Outfitter
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Campfire Outfitter
Joined: Feb 2009
Posts: 11,920 |
Lets not start on the strip clubs.
Them young gals need the work.
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Joined: Jan 2012
Posts: 67,169 Likes: 38
Campfire Kahuna
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Campfire Kahuna
Joined: Jan 2012
Posts: 67,169 Likes: 38 |
Several of my old concrete buddies would get an advance from the boss.
Same dudes. Good workers most of the time but went wild every weekend.
Boss probably dinged 'em here and there. I loan to my guys all the time. Let them pay it off any terms they want. No interest. Drives me nuts but what do you do. Most drink and smoke, all have smart phones, eat out lunch every day rather than pack, buy coffee instead of bringing a thermos from home etc.... most of the borrowers won't work overtime either. Pisses me off. Basic budgeting skills are lost on most. Haha BTDT have guys break even at the end of the day,: Morning pickup Can of copenhagen 2- 20 oz mt dew Pack of Dorals Lunch- mexican buffet End of the day: 6 pack of budweiser tallboys Another pack of Dorals $10 gas for their girlfriend 😂😂 I had to keep a note pad, fools would get to the end of the week, I’d hand about $80 Oh they’d be crying
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Joined: Feb 2006
Posts: 6,890
Campfire Tracker
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Campfire Tracker
Joined: Feb 2006
Posts: 6,890 |
Same as credit card debt. Take a hard look at what you can live without before you decide to go in debt for things you can. Haven't had a credit card in 10 years or so. Love it.
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Joined: Feb 2006
Posts: 43,913 Likes: 11
Campfire 'Bwana
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Campfire 'Bwana
Joined: Feb 2006
Posts: 43,913 Likes: 11 |
Several of my old concrete buddies would get an advance from the boss.
Same dudes. Good workers most of the time but went wild every weekend.
Boss probably dinged 'em here and there. I loan to my guys all the time. Let them pay it off any terms they want. No interest. Drives me nuts but what do you do. Most drink and smoke, all have smart phones, eat out lunch every day rather than pack, buy coffee instead of bringing a thermos from home etc.... most of the borrowers won't work overtime either. Pisses me off. Basic budgeting skills are lost on most. Haha BTDT have guys break even at the end of the day,: Morning pickup Can of copenhagen 2- 20 oz mt dew Pack of Dorals Lunch- mexican buffet End of the day: 6 pack of budweiser tallboys Another pack of Dorals $10 gas for their girlfriend 😂😂 I had to keep a note pad, fools would get to the end of the week, I’d hand about $80 Oh they’d be crying It's a crazy lifestyle but when you're 20-30 years old...who cares! But... You get to be about 30 and you better have your money figured out or you're gonna be hurting when you're old. That said my wife and I use our credit card for almost all bills and purchases. I'll write an actual check for a 'large' local purchase or bill but pretty much everything else, credit card.
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Joined: Jan 2020
Posts: 5,175
Campfire Tracker
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Campfire Tracker
Joined: Jan 2020
Posts: 5,175 |
My neighbor set me up loaning money to some county employees who only get paid twice a month. Had a good gig working for years till he quit and started collecting disability. I charged 10% on the loan and 5% to cash their county checks every other Thursday. The best deal ever for us was holding paper on our first house, sold it 3 times before someone could afford to pay for it.
Life is good live it while you can.
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Joined: Nov 2008
Posts: 19,563 Likes: 3
Campfire Ranger
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OP
Campfire Ranger
Joined: Nov 2008
Posts: 19,563 Likes: 3 |
My neighbor set me up loaning money to some county employees who only get paid twice a month. Had a good gig working for years till he quit and started collecting disability. I charged 10% on the loan and 5% to cash their county checks every other Thursday. The best deal ever for us was holding paper on our first house, sold it 3 times before someone could afford to pay for it. Contrast this with your posts on the ammo gouging thread.
MAGA
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Joined: Feb 2009
Posts: 1,813
Campfire Regular
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Campfire Regular
Joined: Feb 2009
Posts: 1,813 |
Several of my old concrete buddies would get an advance from the boss.
Same dudes. Good workers most of the time but went wild every weekend.
Boss probably dinged 'em here and there. I loan to my guys all the time. Let them pay it off any terms they want. No interest. Drives me nuts but what do you do. Most drink and smoke, all have smart phones, eat out lunch every day rather than pack, buy coffee instead of bringing a thermos from home etc.... most of the borrowers won't work overtime either. Pisses me off. Basic budgeting skills are lost on most. Haha BTDT have guys break even at the end of the day,: Morning pickup Can of copenhagen 2- 20 oz mt dew Pack of Dorals Lunch- mexican buffet End of the day: 6 pack of budweiser tallboys Another pack of Dorals $10 gas for their girlfriend 😂😂 I had to keep a note pad, fools would get to the end of the week, I’d hand about $80 Oh they’d be crying 20+ years ago a buddy of my cousins had a framing company and sold pills and weed on the side. He would front his guys pot and pills through the week and do advances.. He said lot of times they would come for their check and he'd tell them they owed him $100 after framing full time for a week.
Last edited by k20350; 09/09/20.
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Joined: Nov 2008
Posts: 19,563 Likes: 3
Campfire Ranger
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OP
Campfire Ranger
Joined: Nov 2008
Posts: 19,563 Likes: 3 |
It's a crazy lifestyle but when you're 20-30 years old...who cares!
But...
You get to be about 30 and you better have your money figured out or you're gonna be hurting when you're old.
That said my wife and I use our credit card for almost all bills and purchases.
I'll write an actual check for a 'large' local purchase or bill but pretty much everything else, credit card.
I hate writing checks. So many people sit on them forever before cashing them. I remember using checks for everything and getting the bank statement in the mail with the photocopies of the checks you'd written. And I'm not even fugking old!
MAGA
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Joined: Jul 2009
Posts: 4,481
Campfire Tracker
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Campfire Tracker
Joined: Jul 2009
Posts: 4,481 |
Anybody that would run a payday lending outfit would sell crack to an expectant mother.
"Hey, it's her choice!"
"maybe I can refer her to my buddy running an abortion mill on the corner!"
The money is all the same color right? Bet you were glad it was there when you needed it No different than a buy here pay here lot. Its predatory lending all around. I know an older gentleman that's made himself a comfortable millionaire over the years selling jalopies at 18% interest. Here's the problem. The same customers come back again and again over the years.
I'll also admit to using one once when i was young. I was trying to hold onto a job I really wanted one time. Economy was falling so it got pretty lean around the house. Got to the point i could fill the gas tank or have food for the week but not both. I paid it immediately after my next paycheck and ate noodles all week. So now there are two who were glad it was available when you needed it
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Joined: Jan 2020
Posts: 5,175
Campfire Tracker
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Campfire Tracker
Joined: Jan 2020
Posts: 5,175 |
Same as credit card debt. Take a hard look at what you can live without before you decide to go in debt for things you can. Haven't had a credit card in 10 years or so. Love it. FYI, paying with a debit card is risky business. A bank isn't responsible for loss or fraud with a debit card, like they are with a credit card. Most banks will help you out but their not required to, it's a courtesy.
Life is good live it while you can.
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Joined: Nov 2008
Posts: 19,563 Likes: 3
Campfire Ranger
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OP
Campfire Ranger
Joined: Nov 2008
Posts: 19,563 Likes: 3 |
Anybody that would run a payday lending outfit would sell crack to an expectant mother.
"Hey, it's her choice!"
"maybe I can refer her to my buddy running an abortion mill on the corner!"
The money is all the same color right? Bet you were glad it was there when you needed it No different than a buy here pay here lot. Its predatory lending all around. I know an older gentleman that's made himself a comfortable millionaire over the years selling jalopies at 18% interest. Here's the problem. The same customers come back again and again over the years.
I'll also admit to using one once when i was young. I was trying to hold onto a job I really wanted one time. Economy was falling so it got pretty lean around the house. Got to the point i could fill the gas tank or have food for the week but not both. I paid it immediately after my next paycheck and ate noodles all week. So now there are two who were glad it was available when you needed it Didn't need it per se, had enough gas to get back to the bunkhouse. I was a young pup and had no idea what those places even were, just saw a sign they cashed checks and I needed some beer money. If it hadn't been there I'd have been just fine lol. Just would've drank less and been the boring sober one for a change.
MAGA
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Joined: Feb 2006
Posts: 6,890
Campfire Tracker
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Campfire Tracker
Joined: Feb 2006
Posts: 6,890 |
Same as credit card debt. Take a hard look at what you can live without before you decide to go in debt for things you can. Haven't had a credit card in 10 years or so. Love it. FYI, paying with a debit card is risky business. A bank isn't responsible for loss or fraud with a debit card, like they are with a credit card. Most banks will help you out but their not required to, it's a courtesy. Small price to pay since I'm debt free. Keeps my wife from going crazy shopping..
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Joined: Jan 2020
Posts: 5,175
Campfire Tracker
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Campfire Tracker
Joined: Jan 2020
Posts: 5,175 |
My neighbor set me up loaning money to some county employees who only get paid twice a month. Had a good gig working for years till he quit and started collecting disability. I charged 10% on the loan and 5% to cash their county checks every other Thursday. The best deal ever for us was holding paper on our first house, sold it 3 times before someone could afford to pay for it. Contrast this with your posts on the ammo gouging thread. Making money isn't a bad thing, gouging someone in a bind is a little much. From what I see nobody is selling ammo at a 10% markup.
Life is good live it while you can.
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