Differences between the lower, middle, and upper classes

>>1399881
Your fucking face when the rechargeable battery starts draining after 2 charges.

I'm calling bullshit

Poor start to this thread

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>>1399881
>>1399881

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>>1399949
Source

>>1399881
Poor stupid people: Making OC
Average middle class: Stale macro images
>Affluent intelectuals: Greentext

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>>1399881

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>>1399881

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>>1399881

>>1399881
>affluent intellectuals
>complete fool
kill yourself if you talk like this

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>>1399907
this

>>1399881

>AFFLUENT intellectuals
>Aren't really intelligent so they buy things to make themselves look smart

>RICH intellectuals
>When they're self made they usually stick with the most cost effective product

>TRUE intellectuals
>don't give a shit

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This was proven to be an objective fact and takes into account all economic scenarios and possible rises from nothing into account ;)

>>1399949
>I believe the middle class buys $8000 watches

>>1399954
I believe millionaires are falling over themselves to complete surveys

>>1399970
>I believe average middle class can afford to live in luxury neighbourhoods. I also believe affluent intellectuals live in cardboard houses in some horrible burb.

>>1399881
>affluent intellectuals
>still panasonic product

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>>1399907

Not even a troll. Cycling is exclusively for rich white people.

>>1399970

Valid. (Millionaire Next Door.)

>>1400152
>Not even a troll. Cycling is exclusively for rich white people.
fuck that means i should be rich

>>1399959
Rich people don't like cash back and other rewards?

>>1400276
Rich people don't need to borrow money to cover their daily expenses :^)

>>1399881

> The lower class
95% of the time raised poor. Can't see past tomorrow.

> The middle class
Realize the value of both hard work and brains. See money as simply the means to have a home and a few of the essentials and pleasures of life.

> The upper class
Realize the virtue in being the very best. Never stop competing or expanding no matter how much money they make. Want to lead, not follow, above all other things. Want to make the history books. Usually humble with their words, but extremely competitive with their actions.

>poor stupid people of /biz/
...shitpost about crypto coins

>average middle class of /biz/
...shitpost about "muh degree", mortgages and stock picks

>affluent intellectuals of /biz/
...shitpost about index funds and efficient markets

>>1400045
> currency trading
wew lad

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>>1399910
>Your fucking face when the rechargeable battery starts draining after 2 charges.

It's not 2004 grandpa, we're in the LSD-NiMH age.

>poor people
Cheap shit that breaks quickly and always needs to be replaced forcing you into debt slavery

>middle class people
Slightly more expensive shit that needs to be replaced on bimonthly, biyearly, bidecade cycles forcing you into wage slavery

>rich people
Buy one very expensive item and it lasts for the next 40-50 years thus making it cheaper over its entire lifespan and freeing you from the shackles of a shitty life with 40 year mortgages and no satisfaction

>>1400505
Unfortunately it doesn't work like that anymore. Very expensive items are just cheap shit with luxury branding.

lol @ OP thinking Niggers even read labels and not just the price tag.

>>1400509
You still need to spend lots to get high quality goods that last a long time. Take shoes as an example, go buy a shit pair for 20$ and they'll last you 3-4 months of use at most. Spend about 100$ and you'll have them for 2 years of use but if you go and buy a very good pair of high quality shoes for about 300$ you'll have them for the next 10 years

>>1399949
>Getting an eco drive

Top cuck

that's not a used seiko from ebay

>>1400505
A truly smart man buys something cheap and takes good care of it, making sure depreciation kicks in at the absolute slowest rate possible.

>>1400520
Well that's what research and smart shopping is for. You find the high quality goods that are last years stock or refurbished and you learn how to care for it and make it last years.

Also the main difference is rich people only buy what they need, and don't get attached to things..

But really when you're rich as fuck anyone who cares how you spend yoyr money?

Caring about your spending is for poor and middleclass, a richfag can just drop thousands on random shit just for fun

>>1400513
shit pair : 3*20 $ per year = 60 --> 5 years new shoes every 4 month for 300 $

"high quality" for 300$ wont last 10 years ... And even if they look shit and you will look like a retard for the last 5 years.

>>1400531
I've had the same pair of shoes for work for the past 5 years, I spent 250$ on them and i've just maintained them really well and they look brand new still. I've had coworkers who try and go cheap and they have to keep replacing their shoes every year or every 8-10 months if they go cheap enough.

>>1400509
>Very expensive items are just cheap shit with luxury branding.

'no'

Very expensive items are bespoke, thus made at the highest level of quality.

What you think is "very expensive" is actually not that expensive.

For example, a bespoke pair of shoes is worth $3,000 at least, but it will be literally immortal.

Now, a $500 pair of shoes may just be a "luxury" item of meh quality... or a quality item if you're buying from a shoemaker (Crockett & Jones, Carmina, J. M. Weston) and not from a luxury brand (Paul Smith, Gucci, Saint Laurent).

>>1400536
... i not talking about shoes for work (for a suit or boots for construction) im talking about casual shit

>>1400531
$300 is the entry level for quality shoes.

A good $300 pair (i. e. goodyear welted) WILL last 10 years if you do take care of it, and do resole it when needed.

And it will look better in 10 years with patina.

Obviously you should have several pairs, not just one, to avoid a premature death of your shoes.

>>1400543
Oh yeah but that's a big cost, obviously I won't spend more than like 60$ on regular shoes. Work boots and nice dress shoes are expensive and you shouldn't cheap out on them or they'll just cost more over its entire life

you guys have clearly never been around affluent intellectuals. they buy expensive as fk clothes and they look cheap as fuck. They dont fuckin back pack and stay in hostels they go skiing and stay in their rich friends holiday homes or nice lodges. They live in massive stately homes or houses in expensive post codes. The only thing they dont do is buy expensive cars.

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>>1399881
Op got a template?

>>1400585
If affluent people don't buy expensive cars, then who does?

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>>1400595

>>1400595
literally put white squares over what's already there come on anon

Serious question. Is it better to be frugal with everything, or is it sometimes good to live like you're rich? (Ex: buying fancy watches, flying first class)

>>1400625
>Serious question. Is it better to be frugal with everything, or is it sometimes good to live like you're rich?

Run a cost benefit analysis and ensure you're not getting marginal returns, make sure you're getting the best value.

Also it depends on if you can afford it.

If you're a multi-millionaire making $20k/month then spending $1000 on a ridiculously nice dinner date isn't going to hurt you at all

>>1400625
Do as you like it, but:

>the first option will make you an actual millionaire on the long term
>the second option will make you permanently broke or almost-broke, and leave you with zero capital for retirement

Your choice.

>>1400631
He said "living like you're rich", which supposes he's actually not rich.

>>1400634
Then probably not.

I think it all depends on value.

>buying fancy watches - example

Difference between a $20 walmart watch and a $250 watch? Bretty good, huge difference in quality and looks, price is only $230 difference.

Difference between a $250 watch and a $2000 watch? $1750 and negligible returns on the quality and looks of it relative to how much more expensive it is.

Just think like that. The flying first class thing for example, why? Difference is MUCH more money and very little bonuses you get (a little more leg room, nicer food, better airconditioned, etc) Not worth it

>>1400637
Yes.

Anyway, a $2,000 watch will often cost $250 used (check that on eBay). Buying used stuff is essential to have the best value.

Houses, cars, and even minor stuff like books or watches are best bought used.

The only things I don't like to buy used are electronics (too shady, too many potential problems). I enjoyed buying used clothes back in the day, but it costs too much time to find the right item at the right size.

>>1400645
Bookfag here. I always find books to be cheaper on Barnes and Noble's website than on eBay or Amazon.

>>1400645
Eh I'm not specifically saying used ( although that's obviously right in many cases ), but rather weighing the value of the items vs their price.

I think that's a way better approach than being a frugal little kike who cries about spending $200 on something yet also not being a poorfag who buys all "luxury" because "xD if it's more expensive meens it's better"

>>1400645
New to /biz/ and people keep referencing this $250 used watch on eBay. What brands/models should I look for there?

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>>1400657
>New to /biz/ and people keep referencing this $250 used watch on eBay. What brands/models should I look for there?

Seiko and Orient are top-tier.

I'd get an orient blue/black mako(or ray). Can't go fuckin wrong with it bro. EASILY looks 3x as expensive as it is .

Pic related is it. Tell me this watch doesn't look nice. How much do you think it costs?

>>1400660
Gorgeous piece. I'm going to assume retail value of over $1,000.

>>1400669
>Gorgeous piece. I'm going to assume retail value of over $1,000.

Under $200 USD, new.

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>>1400585
You probably don't spend so much time around UHNWI, do you?
Pic somewhat related

>>1400585
>you guys have clearly never been around affluent intellectuals. they buy expensive as fk clothes and they look cheap as fuck. They dont fuckin back pack and stay in hostels they go skiing and stay in their rich friends holiday homes or nice lodges

That's biased though.

The reason you think people do that is because you see the ones who DO that and since they're rich and able to afford it you think rich people do it.

You don't see the normal guy with a regular haircut in a Polo shirt and Levi's wearing an unimpressive watch just walking around casually outside, because you don't assume he has a high networth.

I've had quite a few family friends who are very rich and they're just normal people, only difference is they can afford a lot of nicer things but appearance-wise they don't look all that much different from less rich friends, other than maybe they're much more chill because they have no stress in their lives from being so well off

>>1400175
And white.

>>1399949
If I see someone wearing a watch, I instantly dislike him. I have money and went to a very elitist school so, yes, I realize all snobby rich people wear them as a status symbol, but it's just fucking retarded. Watches have been completely absolute for years and don't even get me started on "smart" watches.

>>1399881
>>1399907
>>1399959
>>1399970
>>1399979
>>1400020
>>1400159
Stop stroking my dick.

>>1399907
Is this what pedalfags actually believe?

>>1400607
New wealth mostly.

One of my rich friends 62 y/o is 3rd generation of wealth, they're net worth is ~120M I'd guess.

He drives a 4 y/o Linlcoln and his wife drives a 2 year old Mercedes S-Class. The wife bought the S-Class from a friend who used it for 1.5 years and didn't like it, decided to switch to a Bentley.

The only thing that they have that's expensive is their house, cost about 8 million to build & maybe 1-2M in additions over the last 5-6 years.

Old money doesn't like to be flashy in public, is what I reckon. They'd rather spend their money on traveling/leisure and keep their wealth intact for future generations.

>>1399959
Only stupid one so far. There is literally no reason not to use no annual fee cards with anywhere between 2 and 10% cash back for every single purchase.

>>1400714
Pretty much this. Watches are retarded.

>>1400808
I think watches can really make an appearance. A suit without a watch looks unfinished imo.

Also a lot of people are into the micro-engineering and history of watches.

>>1400808
Rich people probably use credit cards more then anyone. Safer then letting someone find your actual bank accounts.

>>1400816
With a suit, sure. But people who just wear watches normally are compensating for something.

>>1400823
Exactly.

>>1400688
dont know what you class as UHNWI but my old boss owned around £300mil in property and land that just what i knew of

>>1400824
>Le compensating meme

When will this dumb meme die? Watches look nice and feel great to wear. knowing how much effort went into the movement of the watch on your wrist is also fascinating

>>1400714
I wear a dive watch because I scuba dive as a hobby. My watch is specifically a monstrous dive piece with timers for things like depressurization. I don't really even think about it. It's just part of the every day carry pile.

But yeah, watches are generally stupid.

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>>1400714
Obsolete*

but anyways, have you not considered the aesthetic reasons for watches? In the 21st century, the timekeeping is only a secondary trait. People buy watches based on how they look (an to some extent what they represent). This is one of my favorite watches, because I thought the $90 it cost me was worth it. Basically, watches are a low form of art

rechargable batteries suck balls

>>1400738
Old money doesn't mind flashing money. It's just that old money understands when it's not worth being excessively flashy. They know what they have. They don't care what anyone has to say about it. They don't need to. Anyone who judges them is probably somebody they don't give a fuck about anyways.

New money doesn't understand this. They understand that being respected is important. They understand that quality is a commodity. Someone in a beat to hell shitbox car is going to be looked down upon, and a decent new car is respectable. To them, it's logical that a premium car is better.

What new money doesn't understand is that there's very hard diminishing returns, and that past a certain point, very few people will care. To them it's linear, not logarithmic. Old money sees past the immediate horizon, and decides that the benefit isn't worth the added effort and cost. New money assumes that it is worth the effort, because they haven't seen enough of the picture to realize that it's not.

>>1400808
>falling for the credit meme
cuck

i cant even tell which of these posts are trolls. i hate this board

>>1400513
>having shoes for 10 years
ok this is the best one. lol

>>1400939
>cuck

Do you have any explanation for why credit cards are bad without using /pol/ memes?

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>>1400933
>not owning aesthetic soviet watches
your average /biz/entine doesn't know the first thing about aesthetics. Expensive watches are typically not worth anything close to the price.

>>1400965
>Being a commieshit

>>1400951
He's not really wrong though. Admittedly the prices are kind of low.

I have a pair of basic flat sandals that I bought for 200 bucks and I've had them for 17 years. Admittedly I only wear them for 4-5 months every year, and not every day then, but they are quite comfy, and made out of some stupid hard composite. Good work boots are waterproof up to ~6 inches and will last you 3-5 years of heavy use, are like walking on clouds, and set you back 4-500. I'm not a general contractor, and I still wear them when I'm going to be on my feet a lot.

If you just want basic shoes, you can't really go wrong with a pair of merrells, or some other decent brand, which is frequently in the 80-150 dollar range.

>>1400939
>>falling for the credit meme

>Not just running purchases through credit cards for ease of use and complimentary fraud protection.

>>1400313
>if I borrow $10 today to pay $10 tomorrow and I get $1 back, I am retarded

>>1400961
theyre not inherently bad. theres not really a reason to own one if youre affluent tho

>>1400276

Rich people aren't dumb enough sheep to borrow money for daily things and are not impressed by 2% off their grocery shopping in exchange for lack of peace of mind, idiot.

Its a layer of complication in a busy life, paying back money at the end of the month is fucking dumb. Its poorfag 'look at my rewards' shit.

>>1400973
>theyre not inherently bad. theres not really a reason to own one if youre affluent tho

Fraud protection?

Ease of use?

Cash back rewards?

Shows you don't really have any argument against them when you can only respond with one-word /pol/ memes

>>1400974
>Rich people aren't dumb enough sheep to borrow money for daily things

It's not borrowing anything when you pay it off at the end of the month.

>Its a layer of complication in a busy life, paying back money at the end of the month is fucking dumb

It's like 3 clicks, you can even set it to auto-pay if you want.

i guess building a good credit score and receiving a free vacation every two years purely from cashback is for retards

>>1400974
I just set up auto pay, I never think about it. I treat it like a debit card.

Enjoy missing out on free money

>>1400977
i know this is all trolling but whatever im bored
>Fraud protection?
Any debit card has that. And cash is always king
>Ease of use?
Easier than what? bitcoin? cash and debit are just as easy and cash is way easier in places without a POS present
>Cash back rewards?
those programs are always capped at like $1500 and dont apply to every purchase. If you were truly affluent the headache of having another bill/account to keep track of wouldnt be worth the novelty of a few cents back for your loaf of bread
>Shows you don't really have any argument against them when you can only respond with one-word /pol/ memes
i didnt use any memes just saying that affluent people arnt the ones buying into these cashback programs. thats poorfag bait

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>>1400966
>actually thinks rolex watches are worth the cost

>>1400986
>those programs are always capped at like $1500 and dont apply to every purchase.

wrong

>>1400986
Credit cards are easier since you don't have to worry about how much money is in your checking account (which should always be empty honestly)

And are you seriously saying free money is a con just because it isn't very much? You seem like a poorfag

>>1400660
that's fucking hideous, you have shit taste

>>1400965
I have to say that watch is beautiful and I want it. but i still like the vintage digital feel of my seiko; plus it always reminds me to travel more

>>1400986
>Any debit card has that. And cash is always king

Debit cards charge your money, whereas Credit cards use the bank's. They're obviously more interested in restoring their money than yours, so they take much quicker.

>Easier than what? bitcoin? cash and debit are just as easy and cash is way easier in places without a POS present

POS's exist everywhere, I don't like carrying cash either.

>those programs are always capped at like $1500 and dont apply to every purchase. If you were truly affluent the headache of having another bill/account to keep track of wouldnt be worth the novelty of a few cents back for your loaf of bread

No one here is affluent, but 3% cashback on everything adds up. if you spend several thousand a month on your CC buying the same shit you usually do, that's $500+ a year you get for free.

$500 a year might not be that much but it's something. It adds up, and it's not like it's any harder to use a CC, so it's literally free money.

>i didnt use any memes just saying that affluent people arnt the ones buying into these cashback programs. thats poorfag bait

You responded with "cuck", nothing more

>>1400991
strawman, never said they were.

>>1400993
I never said credit cards were bad. Im saying youre a faggot sucking a credit card companies dick for a few free bucks. Do what you want Id much rather use my debit and never have to worry about late fees or limits or more account information that could be stolen. If im that desperate for a measly 50 extra bucks a month ill buy some kneepads
>youre checking should be empty
then where is you cc bill autopaying from?

>>1400824
>compensating for something
projecting much

>>1401001
>that's fucking hideous, you have shit taste

Oh come on, it's not that bad.

What don't you like about it?

>>1401003
>POS exist everywhere
have you ever left your house? vendors at stadiums, food carts, pretty much anyone selling stuff outside of a store requires cash. Girl scouts dont carry square card readers faggot

>>1401005
>Im saying youre a faggot sucking a credit card companies dick for a few free bucks

How is taking advantage of free money and a bunch of other frivolities "sucking dick"?

>Do what you want Id much rather use my debit and never have to worry about late fees or limits or more account information that could be stole

?????

Debit cards getting stolen fucks you hard.

>Late fees and limits

I have NEVER, EVER paid a late fee/interest on any credit card. And I've had a credit card since I was 18.

>>1401005
>Im saying youre a faggot sucking a credit card companies dick for a few free bucks.

Enjoy sucking your banks dick for free.


>Id much rather use my debit and never have to worry about late fees or limits

I never hit my limits, and never worry about late fees since I have autopay.

>then where is you cc bill autopaying from?

From a savings account with a high IR

>>1401010
yeh i'm being obnoxious, but it's bland. entirely average middle of the road blue on silver

>>1401011
>Girl scouts dont carry square card readers faggot

Why are you supporting Marxist organizations by buying their overpriced cookies?

>>1401011
>have you ever left your house?

Sorry I meant anywhere where *I* shop, and is worth shopping.

>vendors at stadiums, food carts, pretty much anyone selling stuff outside of a store requires cash. Girl scouts dont carry square card readers faggot

Why would I buy food at a stadium, a food cart or people selling shit outside exactly? Sorry not interested in paying $5 for a hotdog when I could buy a pack of 24 for less than $3 at costco.

You might be the poor one here.

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>>1401010
no actually I do really hate it. the dots are ugly and those big fat numbers are tacky looking

here's what a blue on silver watch ought to look like

>>1401018
>eating 24-for-$3-tier "food"
enjoy your cancer

>>1401013
If my wallet ever gets stolen id much rather worry about one account being ripped off than 2 or more. That alone to me is worth the few hundred a year just for peace of mind
>Why are you supporting Marxist organizations
because samoas are good and they deliver to my door
>Sorry not interested in paying $5 for a hotdog
lol see this is exactly the mindset im mocking. You and your ilk get all butthurt and defensive when someone says they dont want to use a credit card
>b-b-but its free money!
seriously a few hundred bucks a year isnt going to make or break me. dropping $8 on a beer and $5 on some nachos isnt going to break me either. Sure I could go to costco for less but wheres the fun in that? Sometimes I want to enjoy myself and if I have to spend a few extra bucks to do so then so be it. You penny pinch and save but at the end of the day neither of us will be the elite super rich, welll both live our lives in modest homes. And thats absolutely fine. Id just rather live mine not worrying about every penny

>>1401028
I'd go through point by point on your post but you've made it abundantly clear you are a poorfag and proud. There's nothing I can do to change your mentality, and that's okay. People like me can only do what we do because there are so many stupid people like you

>>1401027
It was an example.

And for that matter why wouldn't the foodstand that bought those same hotdogs not give you cancer?

>>1401028
>If my wallet ever gets stolen id much rather worry about one account being ripped off than 2 or more. That alone to me is worth the few hundred a year just for peace of mind

??? Your debit card being stolen can do far more damage than your CC.

Credit card is a 2 minute call to cancel.

>>Why are you supporting Marxist organizations
Wat? Costco is a marxist organization now? Any source?

>lol see this is exactly the mindset im mocking. You and your ilk get all butthurt and defensive when someone says they dont want to use a credit card

I pointed out that I have no need to buy something with cash.

There is literally no interest for me to shop at something that doesn't have a POS.

>You and your ilk get all butthurt and defensive when someone says they dont want to use a credit card

How am I butthurt OR defensive?

I don't care how you spend your money, I don't give a fuck. But we're talking about credit cards being worse than their alternatives. Which is objectively untrue, and taht's what we're discussing. I'm not butthurt, I don't care what you personally do

>>1401028
If my wallet get's stolen, I go home, make a phone call, and my credit cards get disabled. Amex will hand deliver a new card to me within a couple of hours, at no charge, and the other ones will arrive in the mail shortly thereafter. I'd be out the cost of replacing my license, and nothing else.

Debit cards don't have the same level of fraud protection, and cash is more less guaranteed to be lost forever.

I don't eat at hotdog stands or use street vendors, but even if I did, they generally accept credit cards here.

>>1401039
>youre stupid if you dont save every penny!
ok cool
>debit card is more damaging than cc
thats not true. banks refund fraudulent charges too. not sure where that meme came from
>costco is marxist
i was replying to another post that was calling the girl scout marxist. calm down
>i only shop at ralphs
sounds like a shitty way to live your life. concerts ball games. travelling the world. lots of awesome parts of life your limiting yourself from but hey if you just want to jerk off to anime all day go ahead
>>1401045
cool. i make less phone calls than you and dont have to worry about 4 different fraud departments calling to investigate

>>1401051
>thats not true. banks refund fraudulent charges too. not sure where that meme came from

It takes longer and they're less inclined.

Debit card - your money. Credit card - bank's money. Which do they care more about?

>>1401054
then you have a shitty bank. my bank actually has great customer service

>>1401056
Well mine doesn't.

Anyway using a credit card isn't any more difficult than cash, so your point about it being much more effort just to save "a measly $500" is void

>>1400980

>It's not borrowing anything when you pay it off at the end of the month.

You literally just described why it IS borrowing. You give back shit you borrow. Did you read your own post before you dribbled over the submit button? There is objectively nothing better than spending the money you have.

I realize that Americans are the only ones who are sucking the credit teat, you basically have to use it otherwise you're fucked in the ass by very poor debit services. Its not like that in the UK, I never have to have a credit card here, and both get the same levels of protection against fraud by law.

People fall on hard times, it happens. If they're credit users it'll only fuck them up more. Again, there is nothing better than just spending the money you have, not this pseudo-borrowing shit.

>>1400984

>free money

Gullible child's mentality.

>>1401059
as i mentioned cards arnt accepted everywhere. i like to keep at least $200 in my wallet for events like that

>>1401060
>You literally just described why it IS borrowing. You give back shit you borrow

I would consider borrowing when you take a month+ to pay it back and you pay interest.

This way it's just a deferred payment, I guess you could consider that borrowing still but not really given that you have the money to pay it off and you do so before the interest comes in.

>Gullible child's mentality.

Explain how it's not free money.

Because I've been using a credit card since I was 18 years old and I have yet to pay any interest or have any problems.

>>1399970
This shit is stupid. Affluent intellectuals make enough money to buy their dream homes and they normally do because they are intelligent enough to invest on the market.

>>1401067

>borrowing is only borrowing when its usury

No, I think you need to look up the dictionary definition of 'borrowing'.

>but not really given that you have the money to pay it off and you do so before the interest comes in.

So you're buying shit on credit when you already had the money for it at the time, then you pay back the debt (it is technically a short-term debt but a debt nonetheless) with the money you didn't spend at the time of the purchase. Absolutely fucking retarded, its a mess waiting to happen and you know it. Call me old fashioned but I think using the money I currently have sitting in my account to purchase things is superior.

>Explain how it's not free money

It comes from someone who incurred additional charges for late payments and such, that money is distributed to all the credit whores who are well behaved at the time. When you inevitably run into some financial fuck-up no matter how small, your charges will be distributed to the well behaved credit whores at the time.

Its a terrible system to be a part of and support.

>>1401051
>cool. i make less phone calls than you and dont have to worry about 4 different fraud departments calling to investigate

I make 2 phone calls. One for my amex cards, and one for my visa cards. The only annoying part is dealing with the DMV and waiting 2 days for new visa cards for the handful of places that don't take amex.

There is no investigation for me to worry about. I move several hundred thousand a month through my business card. I'm a 'high volume' customer with a stellar history. Even if I was lying about someone using my cards to buy a carton of cigarettes, the amount they make off of my transactions in a month means it's worth just writing off the loss and continuing on like nothing ever happened.

I have never been called back about a fraud/stolen card report.

>>1401064
I actually can't think of a place I've been to in the past 5 years that won't take credit cards outside of some government buildings.

>>1401081
you should leave the house more

>>1401081
>I've been to in the past 5 years that won't take credit cards outside of some government buildings.

Actually most government buildings take credit cards, some even prefer it because they can be traced back and it's more secure imo

>>1401079
>Absolutely fucking retarded, its a mess waiting to happen and you know it. Call me old fashioned but I think using the money I currently have sitting in my account to purchase things is superior.

It's easier for me and it gives me ~$500/month back of F R E E money.
I have yet to have a "mess" that is waiting to happen, until then I'll keep paying this way.

>When you inevitably run into some financial fuck-up no matter how small, your charges will be distributed to the well behaved credit whores at the time.

Haven't run into a financial fuck-up in quite a few years of using credit cards.

Also I have more than enough money to cover any financial "fuck up", so it's not a problem.

>Its a terrible system to be a part of and support.

I don't care. It works for me and works well. Losers pay for winners I guess though, so as long as retards keep failing to pay on time they're giving me more rewards, not bad.

>>1400159
>Rich people dont drink

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>>1400740
this is sad dreaming--no rich person would go near bitcoin, or anything like it. there is no assets behind it, they wouldn't even consider it.

to that end: the reason that "there's a whole new class of VC millionaires" in Silicon Valley is because old wealth wouldn't touch that shit with a 10-foot pole.
most silicon valley companies are a small office, a cocky attitude and 100 tons of salesman bullshit. they have no expertise, no assets and no real products

mens expensive watches: it's not much of a US thing anymore. they're still big in Eastern Europe. it's business-casual mens jewelry, it's to show how you can blow $100K on a watch. that it shows the time is almost beside the point

pic unrelated: an old pic of Boris yawning

>>1400977
Wealthy people generally get cards with good "convenience" perks like vacation planning, booking flights/hotels, getting hard-to-get tickets, getting restaurant reservations, etc. Generally cards with good customer support like that have relatively high annual fees upwards of $500 but generally these people spend more than enough annually for the cash-back to cover the fee.

>>1401060
>You literally just described why it IS borrowing. You give back shit you borrow.
You seem confused. The process is to use your credit cart to buy whatever, then pay off the card before the end of every billing cycle so you don't get charged interest. If you have a worthwhile card, it'll have cash-back or rewards of some kind so you'll end up getting some percentage of whatever you spend back in some form.

For example, if you spend $1000 on a card with 1% cash back, you will receive $10 back on your purchase. If you pay off the card before your next billing cycle, you wont pay any interest. Net of everything, you get $10 back for free; this sort of thing adds up over a year to give you upwards of $200-500 back depending on whatever your reward rate is and how much you spend on it over a year.

>>1401087
>500 a month free money
no it doesnt. annually maybe. show me the card that has more than a 5000 cashback cieling

>>1401095
Oh sorry yeah my bad.

meant $500/year

>>1400072
>I believe (you) are a faggot

>>1401086
I'm actually finding this quite amusing. Every time a point that you cannot refute comes up, you just start resorting to petty insults. This all started because you made some ridiculous comments about credit cards, and now it's continuing because you seem to feel that you need to defend both your ignorance, and your apparent stupidity.

Life lesson for you. When someone calls you out on being incorrect, and backs it up with evidence, consider the possibility that you might actually be wrong. Failing that, at least have the common sense to tuck your tail and run instead of continuing to make a fool of yourself.

Yeah, your mostly anonymous here, so you have no real consequences for being an idiot, or a jackass, but this sort of attitude is going to eventually cost you if it ever crops up in real life. For your sake, I hope you either change the way you think and behave, or are one of the handful of people able to keep your internet persona separate from how you function among general society.

I use a rewards card (delta) for all my monthly known expenses. Groceries, utilities, internet, public transportation (nyc). At the end of the year my wife and I will use the points and go on a vacation somewhere.

>>1401117
are you retarded? i listed a bunch of examples that dont take cards.
>>1401011
and even places that do take cards can experience server errors. you should always carry some petty cash
>you made some ridiculous comments about credit cards
>>1400973
ya what a rediculous and radical opinion
>m-m-m-muh free money
ya thats awesome. i couldnt give a fuck less about an extra 50 bucks a month. its not worth the hassle of having another bill account track of. but because im not applying for a program that can score me a sweet bottle of matanzas every 4 weeks im a idiot? dude fuck off. i dont need a credit card and getting something you dont need because of petty rewards is objectively retarded. enjoy your cash back, just dont fuck up. ill be content with cash for most purchases and debit for the rest

>>1401131
>>1401095
>>1401086
>>1401064
>>1401056
>>1401051
>>1401028
>>1401011
>>1401005
>>1400993
>>1400986
>>1400973
>>1400951
>>1400945
>>1400939
>>1400935

Assuming this is a troll.

>>1399907
It cost more long term to take transport than drive in London

>>1401137
thanks for the (You)s. But no i dont need a credit card. And yes rechargeable batteries suck. Im sorry if this triggers you

>>1401091
>Generally cards with good customer support like that have relatively high annual fees upwards of $500 but generally these people spend more than enough annually for the cash-back to cover the fee.

It's also tied to the transaction fees. Amex charges several percent more for most merchants than visa, mastercard, discover, etc. Even on their simple cards, you get far better customer support than the equivalent cards from other companies.

The premium cards all have 'high' annual fees (well sometimes high volume customers get the fee waived. My plat amex has no fee, and they don't take it out of the perks either), but the support is absolutely incredible. If you travel, you can call them and have them plan half the trip for you. If you tend to stay in good hotels, they probably have partner agreements to get you perks. Centurion lounges in airports have excellent seating, and an agent that is intimately familiar with the airport and local area.

Will you save more by staying at random hole in the wall hotels and flying on cheap surplus tickets? Yes. But that takes effort. The market for the premium cards is generally people who are willing to pay not to care. To someone moving 100,000 or more through a card, a 500 dollar a year fee is probably relatively inconsequential. Especially if they travel a lot. The lounges alone are worth 500 a year if you fly more than a few times a year.

>>1401137
I'd label him generally ignorant and prideful before labeling him a troll.

>>1400045
>currency trader
Spotted the forex shill. Holy shit. Do people actually consider currency trading an actual business? I thought the only people who did it were teenagers and adults doing it for the shits and giggles.

>>1401196
I've read about some algo trading that could theoretically find profits by moving stuff between 4-6 different currencies. Can't remember the title of the paper offhand.

It 'worked' but it wasn't very high yield, and it's certainly risky. I'm sure there's some company out there making a profit doing something like that, hoping to get bought out before some market hiccup bakrupts them.

Why are people saying credit cards are bad??? If you aren't a dumbass and pay off everything before your statements due, you pay 0 interest and build a good credit score...

>>1400711

Holy shit. I'm a black person who enjoys road cycling and cycling for transportation...It has never actually occured to me, but now that I think about it, I very rarely see other blacks on bikes. The only people of my colour that I do happen to see, are crackheads. Wow. (I do see some black people cycling, but not very often).

>>1401267
I agree. But you are making the assumption that people aren't dumbasses. A lot of people purchase items on CC thinking they'll make it back later, and then end up incurring interest.

What I do is have cash in hand, use my credit card to purchase "x" item, and then pay it off a couple of days later. Get that credit score.

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>>1401348
>>1401361
>TFW no financially literate black friend with a smooth voice who cracks jokes all the time

OPs post was good but then it turned into

>LOL rich people do nothing with their money

>>1400816
>I think watches can really make an appearance. A suit without a watch looks unfinished imo.
>Also a lot of people are into the micro-engineering and history of watches.
I actually think wrist watches just make you look too feminine; the wrist watch was initially a female accessory after all. Pocket watches or nothing imo.

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>>1399949
>2016
>not using your phone

Mechanical watches are linked to intelligence, tradition, and wealth. What's not to like?

I'd imagine that a true richfag either gets his as a gift, or for himself because he's fascinated by them. Not much middle ground.

>>1401774
Checking your watch can be discreet. Pulling your phone out of your pocket and turning the screen on cannot. You may as well yawn without covering your mouth.

>>1401776
It's been years since I owned a watch and checking my phone for the time has never hurt my image. I have a good reputation among my clients and peers, and I don't have an unnecessary weight hanging on my wrist.

>>1401776

Who thinks like this? You might want to get tested for aspergers.

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legit knew a guy worth millions who wore this watch. when i saw it i laughed because i had the same watch on. some shit he did was unbelivably for a millionaire
>bought a can of coke from a vending machine and was short changed 20pence stood in a que for 5mins to get the money.
>had a group photo at work and this dude footed the money some people didnt pay for there copy so he took them. must of had like 5-6 copies of the same photo

>>1400714
I am not allowed to use my phone at work because I handle money, so without a watch I would have no idea how much time until my break or time to clock out

>>1401775
>Mechanical watches are linked to intelligence, tradition, and wealth.
it's really an anachronism.

>>1401860
>10/10 watch
The Taliban loves those. If you had one of those during the invasion, you could find yourself in Guantanamo. True story! It is the time-piece of dedicated and focused people.

>>1400637
I have a $21000 watch, and it's pretty to look at and gets nice respect from people who know about horology(typically upper income and wealthy people)

>>1401792
>let me just inconvenience myself every day because the tv tells me watches are obsolete

>>1402341
Like I said, they're linked to tradition.

Not eating cricket flour is also an "anachronism."

>>1401780

I've heard all anti-watch arguments there are, but never have I heard the 'unnecessary weight' argument. Unless you're a malnourished African child, you don't even feel it after like 10 seconds, what kind of shit is that to say?

>>1400714
Watches are for keeping time. Only faggot children pull out their phone to check the time. Stay pleb

>>1399959
But I use Vanilla Visa for muh Steam games and other online purchases.

>>1399970
What if I work hard enough to buy my dream home? Yeah it's good to save your money but it,s stupid to never spend any of it.

>>1402585
desu I sometimes get annoyed with wearing a watch, not sure if it's actually cuz of the watch or just too much computer tho

>>1400152
Fellow Floridian?

>>1401089
>this is sad dreaming--no rich person would go near bitcoin, or anything like it. there is no assets behind it, they wouldn't even consider it.
You've got to be trolling, or are 12 and know nothing.

>>1399881

Being rich in this age means you could possibly live forever

you get

the best water
the best and most nutritious produce
(you can make it your mission to search out rare fruits and vegetables from all around the world with the highest nutrient content)
the highest quality supplements

synthetic hormones/research chems

you could build a self contained home in the middle of nowhere as to not deal with the stress of others

-you can afford gene therapy
-ozone therapy
-cryo therapy
-stem cell therapy

if an organ gets damaged you can have one 3d printed in the future

if scientists find out the chemicals that cause jelly fish and star fish to regenerate you could get a boat load

if that mono atomic gold shit works you could afford to supplement with it every week

being wealthy allows you to only focus on surviving well

>>1402660
This. There is stupid rich people too. Stupidity isn't just reserved for poor people. There was that idiot tim draper who bought a ton of bitcoins from the silk road auction and lost millions. Now he is buying eth (topfuckingkek). There is also the CEO of overstock who was BTFO and drove his company into the ground over bitcoin. I imagine a lot of rich people have lost money on cryptos. Rich people sometimes fall for scams even easier than poor people. Just ask madoff.

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>>1399881

>>1402792

This is a trump board, and we certainly don't accept arguments for increased taxation

>>1402792
>affluent intellectuals: TL;DR

>>1402792
Looks like someone's never heard of somalia. Highest GDP increase YOY in all of Africa, and that's with no government at all. This bitch needs an economic lesson.

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>>1402907
This is some affluent intellectual levels of satire. Well done.

>>1402792
>elizabeth warren
>intellectual

hahaha thats good

>CLINTON
>MIDDLE!!!!! CLASS!!!

HAHAHAHA AHAHAHAHA that SILVER SPOON bitch? middle class? please dog dont make me fucking LAUGH. She has never been middle class

>>1402937
>HAHAHAHA AHAHAHAHA that SILVER SPOON bitch? middle class? please dog dont make me fucking LAUGH. She has never been middle class

Her supporters are.

>>1402792
10/10 post

>>1400756
>cup full of vodka

>>1402792
Hillary > affluents / Trump > middle class / Warren > college commie poors

Fixed.

>>1400625
depends on what you value in life
you tend to get what you pay for

is eating healthy and being fit important to you?
going to need to expend extra time and energy getting the best food/workout every day

Is freedom to travel whenever and wherever important to you? going to need to spend time and effort to find a job and skills so you can telecommute or work unfixed hours

can you suffer for a few years for a garunteed easier couple decades, or is time more valuable to you now? (have kids in their youth right now? joining the army in 6 months?)

what is most precious to you?
what effort are you willing to give?
what can you live without?
what do You absolutely need?

you need to ask yourself that, anonymous strangers on the internet cant possibly know your life's needs better than you

>>1400808
Where the fuck do you get 10% cash back

>>1403519
>Affluent IIntellectuals
You misspelled Insufferable Douchebags

ITT: UKucks thinking they know more than a country that had a GDP higher than the entire yuropoor conglomerate

>>1400972
more like 10 cent even 2% back is not even worth bothering with.

>>1400933
https://www.youtube.com/watch?v=hoO7PtR0ujY

>>1403529
>Kirkland
Kek. Go with ketel one ,at least

>>1402860
Poor and stupid detected.

>>1403327
It's not who the person is... it's who they're targeting...

>>1401088
The point is that they don't use their holidays as an excuse to get piss drunk, like poor plebs do.

>>1401117
>"every time a point you can't refute comes you, you resort to petty insults" followed by an essay that is mostly correct seeing previous posts
>>1401131
Literally the first fucking line is
>"are you retarded?"

The discussion is dead. This is either next level shitposting or there's a bonafide retard screaming around the internet without his wrangler.

>>1400045
forgot 'herbalife' right under currency trading

>>1401860
>>1402399

w71 > f91w. too bad they dont make em anymore.

>>1400159
so true with the hostel thing. When I traveled through europe so many of the people staying in hostels were insanely wealthy and doing it for the "real experience"

>>1401348
Considering blacks don't go pretend to be homeless for fun on the weekends, the thought of spending 700+ dollars on a road bike they still have to pedal probably doesn't appeal to them at all.

>>1400625
It's always worth flying first class if you can afford it. Sure you won't survive like the sardines in the tail seats, but the other 99.9999 percent of the time you aren't shoved into a niggerhole sweatbox with the unwashed masses and the networking opportunities are amazing.

do you guys thin ordering a kingston pendrive for half the price it would cost me here from aliexpress is a good idea? shipping takes fucking weeks at worst. i will be damned tho if i pay the fucking taxes on this shit.
can you trust the chinks not to scam you?

>>1404708
>can you trust the chinks not to scam you?
As a rule, never. Maybe check for reviews of the seller.

>>1400152
hey you stupid faggot publix is only in florida

>>1403559
Discover It's first year bonus, doubles all cash back so 5% categories are really 10%. Only for the first year though; after that the only card with cash back percentages above 5 in a "kind of" general case is the Blue Cash Preferred at 6% for groceries. But, that comes with a $95 annual fee and just to break even with the Blue Cash Everyday you'd need to spend >$250 a month on groceries.

This whole thread is full of shit, each class is filed with a diverse range of spending habits and personalities.
You cant use socioeconomic spending habits and personal preferences as basis for judgement on huge subsets of people.
These aren't even sterotypes! This is just one mans personal opinions on his own spending habits that he is projecting onto the class in which he is (or believes he is) a part of. This is why I stopped coming to /biz/, stupid penny stocks, crypto bs, and college degree circle jerks, oh and "stuff poor people say/do" threads.

>>1403529
MOTHERFUCKER STOLICHNAYA IS BEST REASONABLY-PRICED VODKA. HOW DARE YOU.

No, really though. If you drink your vodka straight - and forgetting about all the ridiculous flavored variants they offer - Stolichnaya is the best, bar none.

>>1400637
>work for an airline
>only costs $20 to fly first class anywhere nationally

YGSIU
Granted I get paid terribly, so it's a gibe/take

>>1403529
That french bottle is actually several inches taller than the american one, I can barely fit it in my freezer

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>>1403731
>turning down free money

>>1405330
10% return on investment more like.
What's the cap? Depending on how high it is this sounds like an excellent money making opportunity.

>>1400714
>went to elite school
>doesn't know difference between absolute and obsolete
>pick one

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>mfw this is true in USA

>>1399881
>eneloop

I actually used that brand, don't use it

>>1400965
>e
>>1401002
It's shit. I have one, and the face is 'acrylic', meaning plastic. It feels cheap, the bezel loosely rotates both ways, it has to be wound every two days, it doesn't keep accurate time, the list goes on. They look nice in pictures, and I feel for the meme.

>>1400072
>I believe millionaires are falling over themselves to complete surveys

Read the book, the author goes into detail on how he got millionaires to participate.

>>1404708
Check the /csg/ over on /g/, they talk about Chinese crap all day

>>1402442
>horology
You mean watch brand whores.
Horology would be physicists.

>>1400020
Whats wrong with having a ritual. shaving cut throat is no easy task. took me months to get it right.

its a great task if you can nail it. it forces you to take your time and think about what you are doing instead of rushing about like some pleb with 10 seconds to be everywhere.

also, i can now safely shave and not have the place looking like a crime scene.

>>1399881
select the right tool for the right job.

this is where they fail to market their product correctly.... and plebs think they can just keep buying carbon batteries for their camera without knowing why the fuck it cant take more than 4 photos.

education ensures elasticity and trust.

>>1406122
>Chinese crap
you... what?
kingston and corsair are pretty much the best brands you can buy here.

it's just even in a cheap webshop their price is 2-3 times what you can buy them from china. that's because they buy bulk from china but it gets toll, vat, some bullshit digital media tax and the profit of the importer and seller and also shipment cost added on.

so why would i want to pay 2-300% for the same item? especially as china ships free.

this question is pretty much /biz/ related and related to this thread also. if you want to buy something wouldn't you buy it for half the price?

>>1406300
(different anon)
kingston one of the best brands?

I've experienced it differently, kingston has always been just okay, but a brand I liked a lot more for storage has been sandisk and samsung.

well, mostly you should get the one who has one of the most orders, and check if it uses "chinese registred air" for shipment, or else you're going to wait a very long time.

mostly "chinese registred air" takes about 2 weeks here (The Netherlands)
but "shippers method" mostly took about 2-3 months, and one time It got as bad as 5.

You can never trust the chinks, but if you really want to be sure to get a genuine product, go to Gearbest. I got most of their products in about 2-3 weeks.

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>>1400028
I know its bait I still can't help getting angry

>>1406349
don't know why but locally kingston and corsair are the top rated brands if it comes to memory and pendrives. i rarely ever see samsung and sandisk is considered meme tier lot's of complaints on quality low tier price too.

>>1399881
I buy the cheapest one. Is only a few cents

>>1399907
Public Transport. I have time to check out other faces and can read my book

>>1399949
I don't need a watch.

>>1399959
Debit Card here. No Fees, No interest rate for lending money to shop (this is stupid)

>>1399970
Rent a cheap flat anywhere I want. I don't need to stay at one location. And I have many for trading

>>1399979
I like my wife with breast implants.

>>1400020
Cheapest one. I don't have a hairy back.

>>1400045
A mix of all suites me best to react to current market.

>>1400152
I am not American and had a good food and cook education in school.

>>1400159
I like backpacking, but I also like beach party to fuck dumb chicks and dudes (Someone has to suck me off and I don't care about the gender).

>>1400740
I would invest a small amount in all of the three

>>1400767
Yoga, Pilates, and light lifting is the best for the body.

>>1402792
Warren

>>1403519
made by a dumb person.

>>1403529
I would check review

>>1405376
netflix and chill if you old.
Books if you are young.

>>1406042
Water

>>1405329
how dumb can you be?

>>1406349
it's basically the price reliability and speed all very good on their products.

i just found out to my shock that 90% of kingston pendrive sold online are fakes. lol

i'm gonna look for that laser etching first thing then i check all the stats carefully. if something does not add up i'm sending it right back.

>>1406524
I got the sandisk ultra fit 3.0 64GB usb drive, so I could always carry a usb stick with me that had reasonable speeds.

seems that for a good ratio of bang for buck on reviews that I also got the Samsung evo+ 64 GB for my phone and a Samsung Evo 850 250 GB as an upgrade for my pc.

If you want the very best, you might want to look elsewhere, but these seemed the most reasonable for the bang/buck ratio it gave for what I needed it for.

They have not let me down so far, unlike some other brands (Yes OCZ, I'm looking at you).

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>>1407569
i mainly choose the kingston in the end because the water and shock resistant version is at a pretty great price. you find flashdrive cheaper with same high speed and capacity sure, but this one looks like it can withstand some accidental abuse.

>>1407662
and that's great about choice, I require it to be as portable as possible, and you require it to be durable.

>>1407665
i want this to be a travel backup device i don't want to take the external hdd with me.

i have a nail sized pendrive already for daily use. it was getting small for storing movies for the tv to play and stuff like that still great for work. only downside i noticed is it overheats fast and speed keeps dropping as it heats up.

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>>1407679
nail size drive? what one?

Smallest one I've been able to create is a kingston microsd flat reader with a micro sd card in it that I keep in my wallet.

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>>1407695
well that looks even smaller
mine is like this, but still pretty small for a pendrive

>>1407699
shame, I'm always looking for upgrades, haven't been able to find anything smaller yet.

Thanks anyway

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>>1407699
Mine's not quite as small but I've found it very useful.

>>1401774
>pull phone out, press a button, put back in pocket
>look at wrist

Fucking retard

>>1406155
Safety>Straight.
Straight razors and Dovos and shit are designed for someone else shaving you. Safetys aren't. Not only that, but you don't have to fuck about with stripping, honing, etc.

>>1407931
Dunno about anyone else, I just kept scratching the fuck out of the crystal somehow, even when I had it replaced with a more durable material.
Some people just aren't compatible with watches, dude.
A phone isn't much different than a pocket watch.

>>1402792
I'm not a huge Warren fan, but overall this is one of the best posts in the thread.

>>1402811
No it isn't. Get back to /pol/ where you belong.

>>1407917
Best in thread.