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Crafty Goyim Tips

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In this thread we post ways to exploit the fact that most people are stupid goyim. That's just the way it is. But do not fear! We can use it to our advantage!

Example: Credit Cards.

Mots people; being gullible goyim, who live to be scammed; think that credit cards are the devil in plastic form. They are such dumb schmucks that they have no idea of the power they hold in their hands. This is exactly what credit card companies think too.

I, however, haven't paid full price on anything in the last 8 years, all thanks to my handy credit card and the stupid goyim who use them incorrectly.

Cash-back plans: rates of up to 3% depending on your provider, frequent flyer points, 'free gifts', you name it. These can all be yours if you are not a fucking dumb shit.

You see, the banks/CC companies rely heavily on your continued ignorant moron status. They ASSUME you are going to get into debt by not paying off everything in full on your credit card statement every month. Well they are right around 90% of the time. This means they can put out enticing offers that only 10% of the clientele - or should I say client-LEL take advantage of. Most people using credit cards actually, by the way the system works, end up paying YOU for YOUR purchases! This is because the bank/CC company pulls in billions from these idiots who only pay a minimum on their balance, leaving you with all the bonuses!

So start taking advantage of the mathematically illiterate around you, TODAY!
>>
>>31222625
Bullshit, I put everything on my credit cards and pay off the bills every month.

After spending close to $18K on a card I got back a whopping $300 back...big whoop.

My american express I use for everything else. think I saved like $16 bucks....big whoop
>>
>>31222625
>Jew who wants you to think its smart to get a credit card
>>
>>31223813
Well then anon would you just throw away those $300?
>>
>>31222625
This is almost entirely bullshit, credit cards are a good way to improve your credit rating though, just put your regular shit like groceries on them and make sure you pay it back every month to avoid paying interest.
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>>31223813
Plastic at 30% is old and broken.
The new hotness is payday loans at 700%.
>>
>>31223913

If you can use a credit card as a replacement for a debit card (i.e., you can pay the bill every month), yes, it's a good idea. If you can't, it is probably not a good idea.

>>31223813
Not OP, but I used to have a discover card with a 5% cashback bonus on fuel purchases, it's like a 10-20 cent discount on fuel. Consider that a lot of stations give a discount for using cash, at some stations discover was giving me a bigger discount than the cash discount.
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>>31223962
Exactly, my credit went through the roof because of using plastic responsibly. But I don't think the "free shit" is worth it. Not by a long shot. The only good this is its easier to avoid getting your bank info stolen and if you want to dispute a charge, American Express has got your back!
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>>31222625

Credit card issuers pay cash back because they carry processing fees of 5% or more. That's why AmEx pays some of the highest rewards, but is accepted at fewer locations; their processing fees are some of the highest among issuers, likely to cover their cash back rewards.

The same goes for the rebate offers; companies strike a deal with issuers to offer them much like regular coupons.

I use cash back cards (and pay off the balance in full each month) usually only at large corporate outlets and stores, and even then only if I'm getting 3% or more back. Small, local businesses, I pay in cash.

I've pulled in about $400 this year. It's not much but every little bit helps.
>>
The problem is that the banks are still making more money off of Interest than the cost of their "gifts". either way you're losing more money handling a card than with just paying in cash. The reason they give you rewards and gifts is so you don't get pissed when they take your money.
>>
http://archive.4plebs.org/pol/thread/31207737/
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>>31224073
Also make sure your CC has no annual fees. I've seen some as high as $100 a year. I'm a sucker for the 0% APR introductory offers. I then put the amount I owe the bank in a CD to make a little interest during the introductory period (usually 18 months).
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>>31224109
>either way you're losing more money handling a card than with just paying in cash
Not really... I don't pay interest to the bank for my credit card. I'm not paying any more than than some guy paying with cash, in fact, I am paying less.
>>
have heard that some big companies are actually charging a fee for electronically submitting your resume to them.
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>>31224186
fuck off, no one cares about that shit itt
>>
I just use my debit card for everything.
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>>31224226
I pay $75 annually on my American Express but have yet to get less than $500 back in rewards so I don't mind.
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>>31224516
You might qualify for a $0 annual fee Amex CC with the same reward structure.
>>
If you don't already have it, I'd recommend getting the Sallie Mae Mastercard. It gives 5% back on groceries, gas, and book stores (Amazon counts as a bookstore). I use it every time I need to fill up my car or get groceries.

Anyone else have recommendations on good cards to get?
>>
>>31224052
>American Express™ has got your back!*

FTFY
>>
>>31223813
>a whopping $300 back...big whoop.
Wow, you would say no to $300? I bet you don't pick coins up off the ground either.
>>
>all of these cash-back plans that require /pol/acks to spend money they don't have

Yeah, nah
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>>31224834
Maybe if you're a poorfag. I never spend money I don't have. I basically use my credit card the same way I used to use my debit card.
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>>31222625
>We are selling dollar bills at 95cents, today only!
>Take advantage of this wonderful one-time offer!
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>>31222625
reporting in. Riding the train OP.

Feels good nigga.
>>
>>31222625
it gets better though, we all know that capital loses it value more the longer you hold it, so it has it's greatest earning power as an investment asset well before you ever get your hands on it, the sooner it is invested and earned a dividend the better for you

so if your daily transactions include a lot of expenses you can put those expenses on your credit card, then invest the capital given to you by your clients, you can earn 10% on that capital for 1 month until the bill is due on your credit card, just think about that math, if your business grosses 1K a day which is very small for a small business you're getting 100s a month for sitting on your ass doing dick, shit you would be doing anyway

thats the power of using other people's money
>>
$300 would be eaten up by various credit card surcharges and annual fee if one applies.

Why? because you have to spend a fuck ton of money to get anything worthwhile back. And lots of places charge surcharges.
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>>31224849
So, what if I am a poorfag?

What do I do then?

I'm asking seriously because I'm pretty much fucked if I don't get a job soon.

Disclaimer: I've been handing out CVs all this weekend, so I am actually looking, I'm also a student who spends their student loans on probably stupid shit I don't need but don't realise it until it's gone,.
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>>31225011

Suck my dick, I'll give yo $250.

$500 to let me fuck your anus.
>>
>>31225027
>$

Nah, I'll leave it, thanks for the offer though
>>
>>31224508
That's because you're a stupid goy.

>>31224834
>spend money they don't have
Another stupid goy point of view. You use it even though you have the cash because you spend LESS and then you pay it off at the end of the month.

>>31224882
Oy vey dese goyim.

>>31224958
>credit card surcharges and annual fee
The goyim keep getting dumber.
>>
>>31223962
>improve your credit rating

Its literally just a number banks use to measure what a good Goy you are at accumulating debt.

The amount you barrow each month is far more important than if you pay it back on time. Example: always paid everything on time: stop barrowing for a few months and your rating will go down.

Protip: pay cash, live debt free
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>>31225203

Have fun never owning a house, m80.
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>>31225011
>So, what if I am a poorfag?
If you're a poorfag, you can still use a credit card, in fact, it would be better for poor people to save small amounts of money on all purchases with the card than rich people.

Just make sure you can pay it off at the end of the month. Let the OTHER 90% be gullible schmucks - not you.

Don't use a card that charges ANY kind of fee though, that's just fucking stupid.
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>>31225234
>comparing the plastic Jew to a mortgage

Nice try Schlomo
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>>31225246
Exactly.

>>31225277
>being this ignorant

Stupid goy
>>
The other benefit of credit cards, in countries that aren't fucking dog shit, is consumer protection.

When you purchase something, it's actually your CC company doing the purchase. You get the item/service and then pay them back whatever you owe for the thing you bought (less than the normal price, obviously, because of your cash back bonus).

IF you get fucked over in some way, the credit card company will refund the 'money' back to your account so you don't owe them anything. This has been extremely beneficial to me when buying stuff like international flights. Some companies go under, offer other deals than what you purchased, whatever. You are even protected from the company going bankrupt and walking away with your money in certain countries. This is a huge relief to many people so it's useful to have it there.

And why not? It costs you nothing.
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>>31225345
Forgive me but I can't in good conscience take financial advice from a Jew.
>>
My credit is shit.

I tried applying for a few cards but they rejected me. Anyone know any companies that would accept me? Or what else should I do
>>
>>31225345
>IF you get fucked over in some way, the credit card company will refund the 'money' back to your account so you don't owe them anything

This is bullshit and you need to file a police report

You should tell everyone that have yet to get a credit card, that there is a service fee for each transaction you make and is based off the amount charged to your credit card per month.
It's fucking stupidly high and this is how credit cards milk you dry for cash.

If you need to build up credit, buy your shit but pay it off immediately. Do NOT carry a balance.

Once you have your credit where you want it to be. Only use your credit card sparingly.

Then switch to debit or cashiers cheques or money order.
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>>31223949
Every shekel counts!
>>
Another overstated but often forgotten 'trick' with money is to open a separate bank account and stick in an 'emergency' fund. Usually people recommend around $100 but I prefer to have the amount of a one-way ticket back to a safe country: around $1,000.

Get a free bank account, stick in your emergency fund or keep topping it up with whatever you can spare until you reach your target, then put the debit card from that account in a safe place. Never use it until absolutely necessary.

If you're not extremely unlucky, or a dumb goy, you won't need to use it. I have an account open with a worldwide bank, with ATMs everywhere, that will wire you THEIR money wherever in the world you are, up to a certain amount. You get a code that you can type into their ATM in the foreign country and it dispenses the emergency cash. Pretty handy. Some people have this as travel insurance but why do that when you can get it for free?

That's two other ways of protection for you there, you stupid fucking goyim. No one is kinder than the Jews.
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>>31225501
how old are you

how did u fuck yoruself?
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>>31225501
>Anyone know any companies that would accept me?
http://en.wikipedia.org/wiki/Cash_Converters
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>>31225501
Get a secured credit card or a store credit card that doesn't require a credit check. Both are good as starter cards.
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>>31225457
Then stay poor and creditless, goychick.
>>
>>31225566

When I was 19 or so I applied for one of those student credit cards. I waited a few years to finally pay it off after it went into collections. And I think I never paid for an internet bill a long time ago, so they put it on my credit record.
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>>31224958
As long as you're not stupid you shouldn't be paying any extra on surcharges, interest, or annual fees. There are lots of great cards out there without annual fees that give great rewards. Surcharges can be avoided by using a different payment method in those specific instances. Interest can be avoided by paying off your statement on-time and in-full (I feel like a lot of people don't really know about that one, and just get caught in the spiral of paying the minimum payment every month)
>>
>>31225644
why did u act like such a nigger?
>>
>>31225504
>This is bullshit and you need to file a police report
Like I said, it depends if your country is dog shit or not. Your country probably is.

I'd only need to file a report if my identity is stolen.

>Do NOT carry a balance.
Of course, which is why I always say to pay anything off at the end of the month.

>Only use your credit card sparingly.
A dumb goy move if you are getting money back on everything. Why pay retail price?

>there is a service fee for each transaction you make and is based off the amount charged to your credit card per month.
Only on the cards that stupid goyim get. None of my cards has any kind of fee, nor would I get one with a fee.

>>31225457
Oy vey, remember da six billion dollars ya could have saved if only you'd listened, goyimz.
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>>31225504
What the fuck is this goy talking about?
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>>31225774
He's clearly a putz, caught in the good goyim trap.

*rubs hands together*

Oh sorry, sometimes I can't help myself.
>>
>>31225711
I already save plenty of money by not paying tax and not declaring 75% of my income.
>>
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>>31225825
Do you own gold Mr Merchant?
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>>31225593
It goes without saying for us Jews but you should never use these kinds of pawnbrokers except when scamming the owners out of things like gold and silver - valuable shit they have underrated for whatever reason.

There are people who use them as places for quick credit and then pay them MORE precious money to get their goyim goods back. That is top quality goyishness right there and there's a reason those people are repeat customers to pawnshops.
>>
>>31226006
>Do you own gold Mr Merchant?
Plenty, but never enough. It speaks to me in ways you could not possibly imagine. An entire symphony of scams rings through my ears as I hear the sweet jingle of gold.
>>
By the way, this is an open thread for your money making/saving tips. We are all friends here, especially me, the Friendly Jew. Feel free to share.
>>
>>31226079
What percentage of your wealth do you keep in gold?
Gold i'm sure you agree is the only true form of valuable money, but it is a store of valuable, not a productive interest earning asset.

How do you reconcile your love of gold, with your desire to make more interest on investments?
That is to say, what proportion do you keep safe in gold and what proportion do you invest?

Also what is your choice of investments?
>>
>>31222625
kill yourself kike enabler there is a special place in hell for scumbags like you
>>
>>31225697
He was 19. People are stupid at that age.
>>
>>31226249
>Gold i'm sure you agree is the only true form of valuable money
That it is.

>what proportion do you keep safe in gold and what proportion do you invest?
I go as high as 15% in gold/silver and invest a lot more. We Jews work together to get the best returns on investments. I currently work with a high proportion of interest earning investments, most of which simply put dividends back into the investment itself for a higher return. I have a low amount of cash savings, percentage wise, but it's because most is pushed into other investments.

Money sitting in a bank account is usually wasted and loses value.

>Also what is your choice of investments?
Whatever gets the highest return. "Evil" corporations are a good bet because they are not going anyway... usually.

>>31226261
>there is a special place in hell
We don't believe in hell, goy.
>>
>>31226425
>He was 19. People are stupid at that age.
Goyim are stupid at ANY age. You must capitalize off of this if you want to truly be a Jew.

Don't feel bad though: the goyim LIVE to be scammed. They practically demand it at every point in their lives. Who are we to disappoint them?
>>
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>>31222625
>etie biseas bloot

What
>>
>>31226570
Holy numbers. It's ancient Jewish code for: Scam the goyim at any opportunity.
>>
And what about stock markets, Semite? I read everyday that S&P500 is breaking records every end of the day but other indexes are showing that the end is nigh to the fiat currency era. Hoe to be a bad goy and make profits from the stock market without being caught at the bull phase?
>>
>>31226249
>What percentage of your wealth do you keep in gold?
I don't keep any of it, I just buy as much as I can afford to then I convert it into an edible format and consume it

you get smarter doing this, thats why gold is so valuable, it's also addictive
>>
>>31226713
Only invest what you cannot afford to lose. Get out while the high is at 90% of the peak and leave the other 10% to the rest of the schmucks.
>>
>>31226569
>You must capitalize off of this if you want to truly be a Jew.
I don't think I'm a jew but I'm a master ace at all things finance, also it's possible my great grandparents were jews from Belgium but family lore says they were nazis, but they did come to the USA during WWII, are they just bullshitting about being nazis or were they maybe jewish nazis?

I literally sneeze and goyim spill spaghetti coins into my pockets and then I sell them marked up kleenex I got for free at the gas station and local motels
>>
21 yo with 740 credit score here. I got a discover card that I pay off in full every month. It's pretty good for rewards but is there anything better?
>>
>>31226833

>Only invest what you cannot afford to lose.

kek
>>
Things I've done, use them if you want to

>have access to printing
>put a pamphlet together of african children
>Drop these in mailboxes
>People send money directly to a fourway split account

Best one
>Dress in nice clothes
>Get fake credentials (used a neck-pass)
>Visit old women, state i'm from the bank
>Pick up coins, and mint coin-collections from 1890 left by their late husbands
>Pay them 10 dollars and explain their contribution has made a real impact for the banks Museum

Stopped doing these things because they fucking hurt my soul, I'm a moralfag at heart but still people are so fucking stupid they deserve to get fucked over.

And yes, older ladies can really be a goldmine, coins is where it is at, but if you want to try with furniture go ahead, but it arouse suspicion.
>>
>>31226868
I'll let you in on the secret: the nazis were one of the best things to happen to the Jews that are left. The amount of money brought in by that is beyond words.

It's one of the biggest scams in history.
>>
>>31227030
hahahha oy vey, dat typo. Well, even the chosen make mistakes.
>>
>>31227049
>Stopped doing these things because they fucking hurt my soul
You should sell that immediately, it will help you acquire more wealth from the goyim.
>>
>>31227106

The goyim know!
>>
>>31222625
go away fbi. we pay with cash here whenever possible.

>>31226249
keeping gold is good, but buying it is overall pretty dumb (unless you can hold on to it for years)

actual gold owner here and here is a real tip (and not some bullshit like the above post)

never pay market value. pay spot or if you can buy it for less than do it (honestly 75% is reasonable and i have bought it for less).

if you live in N Cali then just find guys who sluice or run a dredge (there is a moratorium on it, but it wont stop any real miners). offer them cash or ammo for gold. you can get some good deals.
>>
>>31222625
>2% cash back on card
>pay every bill in full and on time

Feels good.
>>
>>31227267
>we pay with cash here whenever possible.
That's because you are one of the stupid goyim I talked about.

Why pay retail price when you don't need to?
>>
protip

downgrade your bank account to purely an e-banking account, no yearly fees
>>
>>31227289
What do you use to get 2%? I have Quicksilver and that's only 1.5%. Granted, I do have others for 5% in some categories.
>>
>>31227341
His reference to FBI means he doesn't want all his purchase records available for the FBI to file away in a database.
Which is true, one of the disadvantages of credit cards is that they know everything about you.

But that's why you use cards for regular purchases and cash for anything that you don't want in a permanent record of yourself.

i.e. dont buy porn with a credit card, don't pay for prostitutes with a credit card etc etc
>>
>>31227341
because i use company cards for all gas and food. the important things like ammo and cigars I only pay cash.
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>>31227403
>don't pay for prostitutes with a credit card etc etc
Do you slide it down her ass cheeks or something?

As for the rest of that, it's conspiracy theory nonsense.
>>
>>31227267
I live in Australia, i honestly have no idea how to buy gold, other than buying bullion at a mint or something.
Naturally i'm not going to buy gold until i research this thoroughly.
>>
>>31227454
There are credit card scanners for cellphones.
>>
>>31227454
yes you can put whores on your deductible business expenses
>>
>>31227454
not strictly true, the FBI could subpoena your credit card purchases but that should only be an issue if you're doing something illegal

alternatively the fact that your purchases are recorded could be a good thing for establishing an alibi
>>
>>31227454
Brothels accept credit card facilities.
Like this Australian member of parliament did.

http://www.crikey.com.au/2011/08/19/labor-mp-in-prostitute-scandal/

Phone calls were made to brothels from a hotel room hired by Thomson when he was secretary of the Health Services Union, and paid for by his union credit card.
>>
>>31227372
I have a Sam's Club Plus discover card (inb4 lol discover), but the card gives me 2% back on any purchase I make with it.
>>
>>31227490
>There are credit card scanners for cellphones.
You'd have to be the dumbest of goyim to use a prostitute with a credit card and stick it into her phone. God damn.
>>
>>31224469
jidf
>>
Here's a tip to save you a few hundred dollars, don't pay your internet/cable, electric and gas bills for two months. They won't shut off your service until you don't pay the third month.
>>
>>31227463
yeah i wouldnt. I remember i bought 15 ounces when it was 350 per. (i was able to pay in cash and paid 70% of market value)

I did that rather than buying a car when i was 16. best decision of my life.

just remember it is better to buy from a person than from a company.

>>31227454
I also never buy alcohol on card for that matter. I think you have a point that there is some tinfoilhat to the entire just pay cash thing, but if you have ever faced an audit then the less on the books the better.
>>
>>31227730
How does that save money, other then a few pennies of interest?
>>
>>31227757
But if I buy from a person how do I guarantee the purity of the gold?
>>
>>31227730
Being late on payments... isn't that a surefire way to destroy your credit rating?
>>
>>31227587
You never saw that one tv thing where they have it do a paypal thing. I am sure you are right about that however I am sure many of them would keep it hack free just because they could get busted with fraud.
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