ITT Things poor people do. >Payday loans >Lease cars

>>1910249
>watch television
>be very fat

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>>1910249
These are things poor people do to stay poor, even though they think it will make them richer.

GOTTA THINK RICH TO BE RICH

>>1910249
>not own any eth

>>1910249
leasing is a better investment

>>1910254
>leasing
>investment
nigger you what

>car title loans
>pawn loans
>Get an ARM when they can't afford the non-teaser payments
>Carry a credit card balance

>>1910249
>Buy shitcoins

>>1910254
Leasing is good if the vehicle is for work.

>>Rent tires / rims

Please tell me this isn't real.

>>1910272
Of course it is. If something feasibly can be rented, it is probably being rented.

>>1910249
>Don't have a bank account / use checks cashing joints instead

What? I dont understand. Even if you're poor, having a place to put the money is infinitely easier than using a check cashing joint since those places usually take 15% off your check just to cash it right there.

>>1910280
fuck the bank jew

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>>1910280
They don't have access to banks or the banks they do have access to have minimum balances that they can't keep.

>mfw I used to work at a grocery store and people would come in to cash their checks.

>>1910253
They probably only have the buttcoin

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Former poor fag here. Like reaaalllly poor poor fag. Damn near homeless.

You wanna know what poor people do?

> take public transportation to work, walk home

> smoke butts you find on the ground

> donate plasma for about $15/session (BUT THE ADVERTISEMENT SAID $50!!)

> stand in line at a church to get a box of free food

> smoke hella resin

> no really poor people can't afford weed, we buy dime bags here and there but you scrape resin for the most part

> you've hit rock bottom pothead status when you wake up at 10:14 am on a Tuesday and the first thought in your head is "I have absolutely nothing to do today" so you sneak into your roommates room and scrape and smoke *his* resin

> then jerk off half high

> this is the best part of today, it all goes downhill

> try not to think about killing yourself

> watch daytime tv

> watch late night tv

> go on random walks with no purpose

> brush their teeth with water

> apologize to people just because you walked past them

> supress screams

>>1910280
former poorfag here, two reasons

bouncing checks, which poor people often do, puts them into check system. basically means that person can't open a checking account at any bank in the US until the check and fees are paid back

court judgments, again which poor people often have against them, can be used to wipe out any open account with a cash balance in it to pay the debt

>>1910284
they're using the grocery store because they may charge 3% to cash a check vs 15% at a check cashing place.

>>1910293
i feel you

>>1910254
>>1910257
>>1910268
The only legitimate case where leasing is acceptable is if you need a car for longer than would be feasible from the average weekly-basis car rental place but don't need to buy. Such as a really long business trip in an area you're flying to.

Outside of that the only reason why 99% of leases happen is because losers want to appear rich and "be driving something new every time they see someone"

>>1910249
> rent tires
i've never even heard of that. is this an american thing?

>>1910293
>Former poor fag here

poor and stupid. The smart niggers stock up on EBT, welfare, section 8, the food bank even gives away free fucking food every so often.

I know these goddamn welfare niggers, they live like kings. You literally have to be extremely stupid, or drugged out to actually be that broke.

>>1910249
Post on shitty meme-ridden boards pretending to be rich

>>1910340
You are so full of shit.

After I climbed out of the gutter I got a state job and irony of ironies wound up working for Adult & Family Services (food stamp and welfare office)

First of all there is no such universally quantifiable thing as "welfare". There used to be but "welfare" was eradicated in the late 90's. Welfare used to mean, give jobless people money. Done.

Today there is "TANF". Temporary Assistance for Needy Families. To get free cash (formerly "welfare") you have to:
- have kids who live with you
- earn less than $1000/month
- look for work or go to education or training for a better situation

No matter how shitty your situation is, you get thrown off at 60 months.

Mandatory 2 year waiting period for new TANF case once you get off TANF. Even if the new job or whatever only lasted a few months. Whether your first TANF case was 6 weeks or 5 years, once you're off, your second case doesn't start until 2 years later

If your kids grow up or move out or get fostered out you will lose TANF (it's only for "families")

***
These are federal laws that have withstood many lawsuits from many states

>>1910293
I used to smoke resin when i was a teenager and ran low on cash, but i never understood why anybody would smoke discarded cig butt. One of my friends used to do that and it was disgusting. Its not like weed and cigs are as crippling addicting like alcohol or heroin and ill never understand how somebody can lack the will power to give those things up even temporarily to allow more room to better their situation.

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>delusional ideas of reaching insane success
>buying Jordans
>buying early 2000, late 90's Honda/Acura cars and JDM parts

>have a car
>go to restaurants
>drink
>eat meat
>pay for cable
>have pets

>>1910249
U can rent tires and rims??? Horey shet. I may do this ro test wich ones to buy. Kek.

NB4 poor fag.

I know 100% tgis is a waate of money and have investments. I also have a budget that allows a little fucking off. I have 400 bucks in this section of my budget. Although i would like to grow it YOLO man. I am into hotrods and my big block needs tires

>>1910249
Unwittingly spending small amounts of money here and there over a long period of time on things that only bring momentary joy. I know one girl who's easily spent about a grand at Starbucks this year from buying lattes every day.

>>1910257
>>1910313
I though leasing is good if you stay in your zone,and lease a car a you could of bought for a reduce payment. instead of 72 months for a car you only pay for 3 years and get a new car and never have to deal with any issue since it always in warranty

>>1910748
Yeah, this is my problem as well. You don't think about that $5 meal each day until you've spent $35 in a week that could have been saved had you just eaten at home or packed lunch. Just now getting into proper money management and this is where I'm starting.

>>1910249
>Shop for groceries at 7/11
>Go to Carl's Jr drive-thru for breakfast every morning
>Get pregnant without planning for it
>Save $0 of disposable income
>Go to casino (or gambling in general)
>Cash checks
>Get credit card debt

only poor people know what poor people do

fucking plebeian posers

>>1910249
>lease cars

Business owner here

The money factor on my lease is equivalent to 1 or 2% interest.

Leases work better from a accounting/tax standpoint.

Subprime autoloan bubble is about to pop, used car values will tank. I'm locked in for a predetermined residual.

Not to mention I drive a Range Rover.

>>1910813
Anything else you couod expound upon for the subprime auto-loan bubble?

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I lease cars because I like having a new car every few years, fight me

>>1910394
This. Although this does not include disability, the often touted autism bux people on 4chan get constantly. A part of poverty is tied to those with mental and physical handicaps that make them almost worthless for anything but the lowest levels of menial labor.

>>1910886
http://www.zerohedge.com/news/2017-03-23/used-car-prices-will-drop-several-years-and-other-takeaways-fords-analyst-call

Read this and you increase your chances of not ending up poor

>>1905450

>>1910350

Anon beat me to it

>>1910249
>Rent tires / rims
lmao this exists?

>>1910272

not only is it real, its true as hell

ive had poorfags stash their extra tires at my place like nigga why do u even have that shit

poor and rims is like nigs and fried chicken

>>1910886
http://wolfstreet.com/2017/03/26/automakers-record-incentives-to-slow-decline-in-sales/

>>1910340
Need kids for most of those benefits. Granted most poorfags do, but likely not >>1910293 this anon.

>>1910679
>troll on this shitty board

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>> apologize to people just because you walked past them

This. Incredibly hard habit to break. I think part of it is racial conditioning.

>student loans for liberal arts degrees.

>>1911115

First of all, fuck you. Second, this is somewhat true

>>1910886
>>1910813
The bubble won't pop unless people can't make their payments. Unless the loans are structured as interest only for several years or the payments increase, anything short of a recession won't burst the bubble. If there is a recession, most everything suffer, including the auto sales whether they are financed or not.

What will happen is a slowdown in auto sales since alot of cars are financed and financed at abnormally long terms (7 years vs the typical 3-5). The banks backing the loans may suffer a bit as well.

Ford and the smart companies will adjust because they see the slowdown coming. The retarded companies won't. Extreme downturns occur when most people don't see a massive change occurring. If Ford's CEO is coming out and publicly acknowledging a future downturn, they'll be fine.

>>1910756
It's a good idea. Don't listen to biz. They're mostly cringe teens and neets

>>1910758
>$35/wk could have been saved had you just eaten at home or packed lunch.
this is what poor people do

This is the truest of what poor people do.

>>1911196
that's dirt poor. "poor" americans can always be found enjoying their meals, three times a day, at any mcdonalds restaurant.

>>1910758
Eating at home isn't free. For me it's typically more expensive than eating out. A nice curry or roast costs about $15-$20 and is about 3-4 serves, all but 1 served cold and dried out from fridge.

Taco Bell tripple crunch wrap box is $5 served warm and gooey.

Jimmy John's is about $8...

So at worst, eating out might be $1-$2 more expensive than eating in.

At best it saves $3

>>1910249
>Lease cars
Never buy a depreciating asset, OP
>rent rims
Is that a real thing?

>>1910249
Same things Rich people will do if poor people don exist

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Op here.

I have a few more things to add.

>watching teevee
>paying for cable, satellite, etc
>ordering out every night
>not exercise - America has the FATTEST poor people in the world.

>>1911223

Delete this

>>1911223
You're doing it wrong.

>>1910756
Doesn't this mean you'll be paying for a car forever? Car maintenance isn't expensive.

>people I work with have been leasing their car for 12 years

>>1911657
>people I work with have been leasing their car for 12 years
How?

>>1910249
>Rent tires / rims

You can rent rims? I had no idea people were THAT pathetic.

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Big one

>Not read.

>>1910280
Why poor people don't use banks:
>Bank is not convenient (can't walk there)
>Bank has monthly account maintenance fees, and/or
>Bank requires minimum balance
>overdraft fees
>returned check fees
>ATM withdrawal fees
>balance transfer fees

Seriously, do you even have a checking account? All of that shit is bogus jew bullshit that banks cash in huge on. Fee income on deposit accounts is seriously like 60% of the average commercial bank's revenue. It's insane.

>>1911084
Not from the US. Here in Brazil people rent tires and rims to pass the annual inspection. Once you renew the documentation you can go back to your bald tires to cause accidents happily ever after.

>>1911223
brown rice and beans nigga, brown rice and beans

>>1910394
This is the kind of thing that needs to be explained to /pol/tards. They think black people are just siphoning off the government living in luxury

>>1910293
been there bruv

>that feel

>>1910249

For most people leasing is not a good choice. It becomes better than owning when you start looking at cars above the 50k purchase price with large depreciation values.

Like owning a lambo typically is not that great of a choice when you can lease it for a few years, put alot of wear and tear on it for much less and give it back without losing half its value instead just paying depreciation of about 1/4th.

But yes owning a civic and driving it until its dead is a much better investment than leasing it unless there are spectacular lease deals every 2-3 years and recurring bonus for getting another.

Like I just leased a Kia optima for 2 years @ 150 a month and like a grand down. EZ decision. Get to rent a car for 6$ a day. and dont have to take care of it for shit really.

>>1911992

forgot to add im 1099 so I get to write it all off.

>>1910261
I just moved a 10k balance over to 2 new credit cards that have 0 interest for 2 years. I could pay them off - but why?

>>1910335
Niggers in the US like to have flashy $2000 rims on their $500 car.

>>1910249
>do drugs
Ive met about a dozen millionaires in my life. Every one of them has done coke, or some type of drug.

>>1911716
Im a 27 year old who still uses his Chase College Checking Account that I got when I was 18 as my main bank account (dropped out of college one semester later lol). No fees and no minimum balances. Everytime I meet with an accountant they look very confused on why I have Chase College Checking Account, but I keep so much money in there that I think they just let it go. Im not opening up a Savings Account until interest rates go up.

>>1910394
I don't know which state you're in but even white people I know are milking the system hard. They pretend they're unable to work and get unemployment on and off while living with their family who usually has kids and has been on the system for years.

poor people name tags... i mean lottery tickets

not buy MiloCoin

>>1910394
You literally have no idea how many scams these fucking people pull off. It's actually kind of brilliant.

I know this one family that gets double benefits because one of their kids is classified as an autistic... adult who's 30 years old. They get approximately $2k a month just from that. They double dip because they get "caretaker" money and SS benefits. They also rent a room and make another $600 a month. To top it all off they get EBT, unemployment benefits because the wife works on and off jobs.

I know of another guy who is on """"disability"""" from the army and gets a big fat pension, I believe it's 80% of his pay because he fucking faked an injury and got an honorable discharge for threatening to kill himself and some other issues that are total bullshit. I literally know 4 people with similar stories ranging from age 20 to 50.

Another man I know got cancer and eventually recovered. 6 years later he's still listed as "disabled" because he was able to convince the state he's always sick and needs disability and medical assistance, which he admits is bullshit. He rents out a place, and, thanks to rent control, ends up paying $0 in rent because he rents out the other two rooms to pay for his rent.

To top this all off, all of these people openly brag about it. They won't brag about it to you because you're a useful idiot bureaucrat, but the rest of us actually know what's going on and the big fat drain these leeches are on our system.

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>>1912711
Any job with a 'name tag' is poor by proxy.

A cop wears a name tag.

Does a judge? Does a lawyer?

No.

>>1911223
I support you. These fags go rock bottom on home food with muh rice and beans to make eating out at your shitty restaurants look like a travesty.

Fucking poor people eat rice and beans, and it shows in the responses.

Also as you pointed out, eating at home isn't free. Accounting for food prep and and potential wastage, you're correct, it's the difference of a dollar or two if you eat at those shit tier "restaurants" you mentioned

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>>1911223
i hate (You)

>>1911843
>single mom
>gets benefits
>lives with her bf
>doesn't tell TANF office
>work for cash
>"looking for work" is extremely easy to fake
>benefits for 5 years

Some states provide even more generous benefits. You need to learn more, faggot.

>>1910761
>cash checks

what?

>>1913029
Cops are more of a middle-class job though and there's good chances for career progression and side money through it.

>>1910249
>Rent tires
People actually do this? Wut.

>>1910249
>get on welfare
>drink beer all day
>scam companies that can only fuck up your credit

>>1910618
b-b-b-but i love my honda :|

>>1911716
Go to a credit union.

Better yet don't have the financial skills of a fucking retard. I've never paid a fee from my account in my life.

>>1913029
>Diesel mechanics

>>1910765
Kek

>>1913361
>labor

>>1911657
Cars break down, even when thy are new ina year or 2 random sht happens tht can end up costing 2k^

why is there always such a long line at the money order places at walmart?

what do they accomplish there ?

>>1913442
Kek retard
2k will get you an entire engine
If your engine isn't warranted for three years you're buying Chinese shit

>>1911716
>Fee income on deposit accounts is seriously like 60% of the average commercial bank's revenue

Go swallow minority cock on Plebbit mr lefty.

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>>1913442
>not buying a used, well researched, 3 to 4 year old reliable vehicle with depreciation fully factored in
>not using fully synthetic motor oil
>not having a superior jap engine
>not changing tranny fluid and filter, replacing it with fully synthetic
>not replacing the only thing that really takes out motors these days (timing chain) for $300 at 100K miles
>not dipping your bubblegum into grape transmission flud to make more transmissions

christ, see what you've done, cryptoshills? you've chased off anyone with a brain. now this board actually WANTS to be poor and retarded instead of just roleplaying it

>>1910249
does smokin a lil ganja once in a while count as doin drugs?

>>1913029
both must often wear id badges

>>1912747

Anecdote. Most people don't do this or the system would get wind of it.

>>1910293
> apologize to people just because you walked past them
why?i consider myself a poorfag and dont get this.is it because your waters been turned off and you stink or something?

>>1910249
>use checks cashing joints instead

Poor people do in fact do this but so do redpilled people

Buy pit bulls

>>1910249
>buy shitcoins

>>1910891
Why not just buy used and then sell and buy another used?
You prefer being cucked?

>>1910249
Do rich people vote?

I can't imagine rich people voting

>>1911223
Curry does not cost $5 per serving. Curry is the kind of food really poor 3rd worlders eat. You are talking maby $1 per serving with the best possible ingrediants.

>>1914026
Maybe anecdote, but there's probably more scammers than you think and getting the city/state to figure out who's cheating them is easier said than done.

I've got a hispanic neighbor who is a good employee, but he's complained to me that he often sees hispanic women get hired at his workplace. They work just a few days and then quit. He asked one of them why, and they told him that to keep getting benefits they had to work or try to find work periodically. When the minimum number of days was reached the women would quit.

I have had other hispanic neighbors that brag about making the rounds to various food pantries throughout the city; had it all planned out on where to go. They would let their garbage bins spill over and often you could see large amounts of wasted and partially eaten food. Other families would get lots of church-donated clothes and housewares; they would then sell these or throw it all away when they moved.

I recall a story that seemed to quickly get buried. City garbage men collecting trash in primarily black areas were surprised by how many broken toys and games they were finding right after Christmas. Toys for Tots and similar programs likely provided many of those toys.

>>1914670
Rich people are the most likely to vote.

>>1911716
>Not opening an interest bearing, fee-free, free ATM checking account

You must be poor, retarded, or foreign. In the US, you can't link a savings account to a debit card, and you can't make more than 6 withdrawals from a savings account in a given month.

I just opened a checking account that pays 1% APY, reimburses any ATM fee, and comes with a debit card. Why the fuck would I keep money in a savings account?

>>1915716
american saving's account sound fucking retarded compared to uk

regarding the car thing, i've got around £30k in savings, on £23k a year but this will go up fast. I don't want to do finance but I'm driving like 2k miles a month and my old car's not handling it. how reliable are 8-10 year old audi a5, bm 3 series, stuff like that? Could get them for around 6k on autotrader

>>1910249
>use check cashing joints

Jesus, man. Any bank worth its salt has a feature in their app that lets you literally snap a photo of a check and the money appears in your account less than 2 days later.

I almost feel bad for poor people for being this stupid. Almost.

>>1915741
They're a bit restrictive, but the offerings are starting to get a lot better with the advent of online-only banks such as Ally, Discover Bank, etc.

>>1915676
Toys for Tots and food pantries aren't welfare, dude.

They're private sector.

Oh. Wanna know what else poor people do? (As a former poor fag I know this all too well)

Lie and boast and make up bullshit stories about "scamming the system" and "out smarting everyone"

The fact you believe these anecdotes. I fucked hella super models with my 12 inch dick when I was on food stamps. Believe me.

>>1910272
http://mobile.rentawheel.com/the-word

Hahahaha, it's actually true.

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>>1916544
I did used to pick up bus passes off the ground and use them.

You can also sell expired day passes, normies don't know how to read the date punch holes. I hate that word btw, "normies"

Haha that's something else poor people do. Chastise socio-normative behavior, debase and stereotype the day-to-day social and working class, claim to be in a position of authority because "I'm not a sellout" or whatever.

While secretly envying economic and social comfort.

The word "normie" wasn't slang when I was poor but if it had been I'm sure I'd have used it, unironically. That's why I laugh when I go to /pol/ and someones like "you're a normie" I'm like "ha ha, you're poor"

It takes one to know one. Amirite?

But yea. When you're poor you look for bus passes on the ground because you can use them now and sell them to normies once they expire.

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Lol when I was poor I couldn't pass this simple card.

I just triggered /pol/ with this

>>1916544
>Toys for Tots and food pantries aren't welfare
No, but they're programs that public and private citizens donate their time, money, and effort to. And then you have people who take advantage of that and don't need, or don't value the things they are given. It's possible this mentality is passed down to their children as well, that it's easier to leech than to earn things yourself. Generational dependency?

For what it's worth I witnessed everything in my other post; they were my neighbors. I saw their carloads of food pantry boxes and then the ripped trash bags with barely eaten food spilling out. The garbage can with barely used baby clothes and stroller in it. And I believe my hispanic neighbor because he is an honest hardworking guy. I could see his disgust that people would rather do the bare minimum to keep receiving government aid.

Is it your position that these things aren't very common? People don't have to smugly brag about scamming the system to do it. It can be a simple "if it's there why not take it" mentality. The real cost is people often don't value things as much when they're given rather than earned. The box of Christmas toys that get broken. The piles of baby items and clothes for the child they shouldn't have had. The low income housing that is left filthy and half destroyed when they move out.

It's an unfortunate truth this stuff happens; not all the time but it does. It was an eye opener when I saw it first hand, and it may be the entitlement and dependency mentality that hurts communities the most.

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>>1910251

>Do drugs
>Go to strip clubs often
>Visit tons of escorts
>Drive flashy car around
Am I rich or poor?

>>1910249

> Have kids when they are not financially ready
> Get a new car they hardly can afford to keep maintained (special bonus for those that get a small compact car and get a baby afterwards and cannot afford to get a bigger car to accomodate baby wagon + equipment)
> Don't mind their oral hygeine, just at least brushing once a day, leading to thousands and thousands of dollars worth of dentist bills
> Smoke
> Go out every week, eat out every week
> Forget their bills so they get charged extra, even though they had the money on the first for the bill
> Fill the fridge with expireables
> Fill their cubboards with expireables
> Throw out hundreds of dollars of expireables once in a while

This is just one couple I know

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>paying 50%+ more for getting a smartphone contract in some provider store instead of buying cheapest contract and smartphone separate
>smoking
>using the taxi
>buying expensive food because "quality" even if there is a cheaper alternative with same quality
>eating fast food EVER
>buying coffee at Starbucks or similar
>throwing away food because too dumb for housekeeping
>buying tech without price comparison
>buying computers without asking someone they know what they actually need
>don't safe money
>don't ALLWAYS safe money
>don't have money at the end of the month instead of having money ALLWAYS in case they need it
>buying expensive brand clothes that still look shitty
>don't inform themselves before buying something instead buying what the seller in a shop "recommends"

>>1910394
But when you compile TANF (which does give untrackable cashback), along with Section 8, Liheap, and other programs you can live without working. Shit isnt that the point of these programs?

>>1910618
I scored a 2007 Ford Focus with a cracked motor mount for 4k. Did I do good?

>>1911716
>what is CREDIT UNION OF AMERICA
Seriously if you can't afford a bank then use a credit union. Half that shit is nonexistant.

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>>1910394
That's just the Federal welfare. There is state and local welfare, more depending on how blue the state is. I've seen niggers with SSI + TANF + state welfare + SNAP + section 8 vouchers + state free electricity/utilities + Obamaphones + Medicaid/Obamacare + other gibs from private charities. Altogether it's worth $5k+/month for doing nothing, and somehow they spend all of it and end up begging you for $5 on the 30th. There are more ways to game the system than you realize.

>>1911223
There's no way cooking at home costs more than eating out. Unless maybe if you're buying specialty organic ingredients from Whole Foods.

I buy all my food from Sam's Club. I usually spend $100-$150 for a whole month.

Eating out at a cheap buffet is financially justifiable because you can fill up on that one meal for the whole day. Some fast food joint, though, is not because the portions are always too small for more than 1/3 of your daily diet.

>>1911716
All the big name national banks won't charge you fees for checking if your balance is over some minuscule threshold like $800. None of the national banks charge for ATM withdrawals. I don't blame the banks for charging you if your balance is below $800 because at that point, it's much more work for them than they are getting in return.

>>1918247
>more work
Yeah those binary digits are putting SO much load on the servers!

>>1918263
*hits blunt*
everything should be like free, man.

>>1912105
Credit score

>>1914902
Curry paste $2
Coconut milk $2
Bamboo shoots $2
2lb chicken $5
2 x tins of string beans $2
Assorted extra vegetables $5
Rice, oil, other cheap shit $1

Estimated cost = $19

Curry is shit-tier poor in 3rd world because they eat vegetarian and grow own vegetables.

>>1918438
I love when brainblocked people get rekt by actual researchers.

>>1918438
Do you get your groceries from a gas station or why are you doubling the prices for every item except chicken?

That is also not a batch of 3-4 servings. Stop trying to make your expensive fast food habit seem reasonable.

>>1916694
damn swept the board.

>>1918457
Frys... If those prices are inflated it can't be by more than a few cents. The irony of this thread kills my sides. So many poor people raging at rational cost comparisons. I barely do fast food. My point is that it's neither the more expensive or cheaper option to eating at home. My recipe is approximately 3-4 servings because I'm not a malnourished NEET so you're looking at about $5-$7 per serve. That vs a $5 crunchwrap box from taco bell or $7 big Mac meal or some shit.

But you enjoy your beans

>>1916694
24/25. Prom is for fags.

>>1911671
Not him, but they're obviously leasing a new one once their old lease is up

>>1911727
Rice and white tuna is God-tier

>>1915742
But what if you need the money nao?

>>1918203
Da fuck is an Obamaphone?

>>1914026
>or the system

The system literally doesn't care m8. Why would they?

Nobody does actual work at gov't jobs. And nobody cares whether the money goes to pay for Tyrone's rims or little Timmy's crutches. It's all the same to Laquisha the gov't bureaucrat.

You are really naive.

>>1918881
It's a gov't program call lifeline that started in the 1980's under Reagan to give low-income families telephone service. It's useful, because it hard to get a job if no one can call you. It switch from landline to cell phones in 2008.
Why is it call Obamaphone? because people are retarded.

>>1918536
You can't cook bro

>>1911727

Gas and shits all day nigga.

>>1910756
>>1911657
>>1911671
>>1913442
>>1913456
>>1913502
I swear while we do have some interesting threads on /biz/ there's a good half the board that seems to bend right over and shit out its brains whenever we come to renting. It's amazing how irresponsible people are and then they use this to justify renting.

So let's just say your leased car shows you a oil warning light and you have enough time to fill it. Do you spend $3, or drive it till it dies and then cite some shit in the lease agreement that you aren't responsible for that and expect it to work out. I mean seriously guys, you must be this fucking retarded to justify renting. You are the only one this irresponsible, that doesn't mean leasing is better.

>>1912747
Your first example is completely legit - do you have any idea about the adult disability system?

Also, you're ignorant as fuck.

Go to college

>>1915716
>checking account with 1% APY

Show me or I call bullshit.

>>1916694
>tagged in photos with girls

This one is fucking beta

>>1912219
Cocaine is a working man's drug

File: 1487898848223.jpg (70KB, 612x318px) Image search: [Google]

70KB, 612x318px

Banker here and I'm fucking tired of all the bitching so I'm going to break this shit down.

First of all, most banks make their primary revenue off of interest on credit, and fees. Loans and credit cards are the big ticket items, example financing a house or car, and carrying a balance on a credit card. When it comes to fees, sadly they are littered throughout the industry. There are fees for so many things (aka for poor or uneducated people who just don't care about paying for them). Examples are cashiers check fees, check order fees, overdraft fees, atm fees, international fees, merchant processing fees. I agree almost all of them can be avoided but the majority of people are not financially literate.

Now let's get to WHY people pay these fees or why people WOULDN'T have an account.

Most common reason is they just don't qualify. How you may ask? They don't risk screen and owe debts to other banks from overdrawn or collection accounts on credit. Other common reasons are legal pledges or garnishments. Your not going to open an account to put money into it if someone is just going to pledge the account and take all of your funds. So for some people it's easier to pay the check cashing fee and suck it up. You would be amazed at how many people overdraw their account, take cash advances on their credit cards, and use other atms and willingly pay the fees.

Hope this clears this up. If you have questions ask away

>>1921051
(((merchant))) processing fees

>>1921051
Do something better as a day job then fucking people over with fees, and working for the (((jews)))

>>1921226
You could always just go fuck yourself. I bet your one of the KEKS that cashes his wage cuck checks for a fee

>>1921051
Sorry but you seem to be the person who is confused, as are some others who don't bother to actually read the fine print. What's sad to me is your inability to look at world in any other way than you are doing. There are MANY different ways to avoid banking fees, the most efficient way being to avoid fiat currency altogether; i.e. crypto-currencies.

>>1918593
Whoops someone missed out on a once in a lifetime experience

>>1910756
leasing is never good because you end up payinf for 60 percent of the vehicle over 3 years and then end up giving it up anyways, just to do it all over again, you have nothing to show for it and it's the most expensive method of owning a vehicle.
Best method of owning a vehicle is to buy used.

>>1910293
How do I get out of this?
I'm turning 23 on Friday. Just finishing training of my first real job. Last year was really rough - ex left me; dropped out of uni; had peritonitis.

atm I have £20 in the bank, which should be able to afford me a haircut if I find time in the week. I'm not getting my first payslip until 3 days after my bday.
I really want to make a change after everything that happened last year. I know the subconscious mind is everything, but I need to work more on that too.

I'm hoping to learn to drive this year, and spend a bit of money on myself (clothes/teeth whitening).
I'm to put as much money into a savings acc as possible. I'll be earning around £17.5k a year, and will try to spend around £150 a month.

Is £15k a decent amount to be taking home a year, compared to people with decent jobs that have a car and family?
Are savings accounts really as good as they sound? I want to maximise my assets by as much as I can

>have bad teeth

its not even funny

>>1922467
im british tho

>>1910293
Oh my god are you me?

>>1922463
Godspeed anon, I hope all the best for you, keep going.

Not the anon you're replying to but in my country (Canada) savings accounts aren't really that great. I have a """""high-interest""""" tax free savings account and on ~10k in savings, I make like $50 a year.

So I said fuck that and started getting into stocks. Made double that in a week. I'm aware I can't expect consistent returns and I barely know much about the market, but I'm learning and trying.

>>1922651
Index funds my nigga. Set and forget.

>>1910335
It's not rent tires.. its going to a place and buying a set of USED tires with barely 3 months of tread left. I seen these shops all over the south.

>>1912610
never heard of a brokerage account?

This is releveant... feel kinda bad for them... I'd move as fast I could:
Vice: Debtors Prison
https://www.youtube.com/watch?v=RIghbrn5yfI

>>1913084
>>1911223
you don't need to eat rice and beans to see how much cheaper it can be to eating at home. the problem is you retards are comparing buying higher end ingredients to eating processed garbage from taco bell.

take a mcd's burger, you can buy a half pound of beef patties for like $2, and the cheese/lettuce/bun and other shit won't run you more than maybe an extra $1. it will taste better for a fraction of the cost.

unless you're homeless the only reason eating on a budget = plain rice and beans is because you aren't trying hard enough.

>>1910249
>talk incessantly about stocks but dont know what an option is
>care about dividends