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Edited by Mrph1 on Nov 30th 2023 at 11:03:59 AM

Skycobra51 A suitable case for treatment from The US of A Since: Nov, 2013 Relationship Status: Only knew I loved her when I let her go
A suitable case for treatment
#100926: Sep 16th 2015 at 1:52:34 PM

My dad, myself, and, my Uncle told him not to do it (we read the damn deal, he didn't) yet my Cousin did it anyway.

[down]It didn't take a genius to know something was rotten in Denmark.

edited 16th Sep '15 1:56:10 PM by Skycobra51

Look upon my privilege ye mighty and despair.
Silasw A procrastination in of itself from A handcart to hell (4 Score & 7 Years Ago) Relationship Status: And they all lived happily ever after <3
A procrastination in of itself
#100927: Sep 16th 2015 at 1:54:53 PM

Then he's just an idiot, but not everyone has access to knowledgeable family members they can runs stuff past, especially not if they're in the middle of their break and trying to get the loan sorted before they have to go back to work and then to pick the kids up.

“And the Bunny nails it!” ~ Gabrael “If the UN can get through a day without everyone strangling everyone else so can we.” ~ Cyran
Ramidel Since: Jan, 2001
#100928: Sep 16th 2015 at 1:55:00 PM

On payday loans, Skycobra (and everyone else too), I just want to bring up something very important: People who take them are not, in fact, idiots. They're people who are literally out of options and a few days away from having the gas cut off in mid-winter.

So, say you want to hit them with a strict regulatory scheme that essentially makes their business model impossible. Okay. What are you people suggesting for a replacement option for people who are financially underwater? ("Freeze faster" is not a valid answer.)

LeGarcon Blowout soon fellow Stalker from Skadovsk Since: Aug, 2013 Relationship Status: Gay for Big Boss
Blowout soon fellow Stalker
#100929: Sep 16th 2015 at 1:56:41 PM

Burn your least favorite child.

Or alternatively make sweeping social and economic changes to prevent them from freezing in the first place.

Either or.

Oh really when?
Skycobra51 A suitable case for treatment from The US of A Since: Nov, 2013 Relationship Status: Only knew I loved her when I let her go
A suitable case for treatment
#100930: Sep 16th 2015 at 1:58:23 PM

[up][up]Stay with family?

Look upon my privilege ye mighty and despair.
Parable Since: Aug, 2009
#100931: Sep 16th 2015 at 1:58:40 PM

If he wasn't spouting so much racist crap, maybe he could be a Democrat.

He was a Democrat. He hasn't even been a Republican for eight years.

A party of racist with otherwise Democratic ideology, I can see the movie now: 2016: Revenge of the Dixiecrats.

Skycobra51 A suitable case for treatment from The US of A Since: Nov, 2013 Relationship Status: Only knew I loved her when I let her go
A suitable case for treatment
#100932: Sep 16th 2015 at 1:59:17 PM

Sounds like a B-movie on par with Battleship, or Battle Los Angeles.tongue

edited 16th Sep '15 2:03:05 PM by Skycobra51

Look upon my privilege ye mighty and despair.
ironballs16 Since: Jul, 2009 Relationship Status: Owner of a lonely heart
#100933: Sep 16th 2015 at 2:00:18 PM

[up]

If you have family in the area. And if you have a reliable ride to work if you don't have a car already. And if said family isn't in similar financial shape.

I'll link to the Last Week Tonight with John Oliver segment when I get home, because he does a good job with pointing out why people are driven into that Vicious Cycle and why we haven't been able to crack down on those types of scams.

"Why would I inflict myself on somebody else?"
TobiasDrake (•̀⤙•́) (Edited uphill both ways) Relationship Status: Arm chopping is not a love language!
(•̀⤙•́)
#100934: Sep 16th 2015 at 2:07:22 PM

Because for a lot of people the option is to take such a loan (and pray that nothing happens to stop you paying it back on time) or starve. Besides have you ever tried reading the fine print of something in the couple hour gap you between your two jobs and caring for your kids? I suspect that what's normally easy to pick up on is difficult when you're in an incredibly vulnerable and desperate state.

This.

When we've had to take payday loans, it's been situations like, "Well, we don't get paid until next week, we put most of our money into the bills, and the fuel line of the car got ripped out by a crash. The good news is that insurance will cover it and provide a rental IF we can find a way to pull a $500 deductible out of our $100-200 food budget, but we have to have the money RIGHT NOW because if we don't have a car, we don't get to work and might even lose our jobs."

There are emergencies a bit more dire than not wanting to wait until next week to buy that new jet ski.

Fact is, sometimes you take a loan that you know will screw you if you can't pay it back because there just aren't any other options. Sometimes, you have to take the Devil's help because he's the only person offering any assistance at all.

edited 16th Sep '15 2:10:00 PM by TobiasDrake

My Tumblr. Currently side-by-side liveblogging Digimon Adventure, sub vs dub.
Fighteer Lost in Space from The Time Vortex (Time Abyss) Relationship Status: TV Tropes ruined my love life
Lost in Space
#100935: Sep 16th 2015 at 2:13:06 PM

And that is the problem, of course, that the choice has to be between a predatory loan and, say, losing your job, or not having heat.

edited 16th Sep '15 2:22:09 PM by Fighteer

"It's Occam's Shuriken! If the answer is elusive, never rule out ninjas!"
Silasw A procrastination in of itself from A handcart to hell (4 Score & 7 Years Ago) Relationship Status: And they all lived happily ever after <3
A procrastination in of itself
#100936: Sep 16th 2015 at 2:37:25 PM

What are you people suggesting for a replacement option for people who are financially underwater?

A goverment that actually gives a fuck about it citizenry and provides them with an proper social safety net.

Stay with family?

and what do people without family able/willing to support them do? You know, say your family are dead, in as bad a situation as you, actually relying on you to provide, or unwilling to speak to you/help because you're gay/atheist.

edited 16th Sep '15 2:38:00 PM by Silasw

“And the Bunny nails it!” ~ Gabrael “If the UN can get through a day without everyone strangling everyone else so can we.” ~ Cyran
ironballs16 Since: Jul, 2009 Relationship Status: Owner of a lonely heart
#100937: Sep 16th 2015 at 2:42:24 PM

Here we go - the Last Week Tonight segment.

"Why would I inflict myself on somebody else?"
Aprilla Since: Aug, 2010
#100938: Sep 16th 2015 at 4:02:33 PM

Someone already beat me to it, but yeah, I'm not comfortable with the idea that bad financial decisions can be equated with stupidity. Poor people make financially unwise decisions often because they have no other viable options. It's not fun.

SciFiSlasher from Absolutely none of your business. Since: Dec, 2011 Relationship Status: YOU'RE TEARING ME APART LISA
#100939: Sep 16th 2015 at 4:03:11 PM

Watching the first debate...

Rick Santorum just repeated the story about the girl asked about God in Columbine. Somebody needs to show him the useful notes page...

edited 16th Sep '15 4:09:40 PM by SciFiSlasher

"Somehow the hated have to walk a tightrope, while those who hate do not."
Silasw A procrastination in of itself from A handcart to hell (4 Score & 7 Years Ago) Relationship Status: And they all lived happily ever after <3
A procrastination in of itself
#100941: Sep 16th 2015 at 5:24:18 PM

So the Republican debate is on, anyone else watching?

“And the Bunny nails it!” ~ Gabrael “If the UN can get through a day without everyone strangling everyone else so can we.” ~ Cyran
NoName999 Since: May, 2011
#100942: Sep 16th 2015 at 5:30:01 PM

I am. lol

Waiting for poo throwing

LeGarcon Blowout soon fellow Stalker from Skadovsk Since: Aug, 2013 Relationship Status: Gay for Big Boss
Blowout soon fellow Stalker
#100943: Sep 16th 2015 at 5:30:31 PM

No, I'm busy watching my cat sleep because he's really cute.

Tell me if Trump calls anyone a lightweight though.

Oh really when?
Silasw A procrastination in of itself from A handcart to hell (4 Score & 7 Years Ago) Relationship Status: And they all lived happily ever after <3
A procrastination in of itself
#100944: Sep 16th 2015 at 5:35:08 PM

Bush pretty much just claimed that Trump tried to bribe him when he was in charge of Florida. Trump hit back by saying that if he was gonna bribe someone then he'd have gotten it, not failed.

“And the Bunny nails it!” ~ Gabrael “If the UN can get through a day without everyone strangling everyone else so can we.” ~ Cyran
Skycobra51 A suitable case for treatment from The US of A Since: Nov, 2013 Relationship Status: Only knew I loved her when I let her go
A suitable case for treatment
#100945: Sep 16th 2015 at 5:38:56 PM

Trump-1

Bush-0

tongue

Look upon my privilege ye mighty and despair.
Silasw A procrastination in of itself from A handcart to hell (4 Score & 7 Years Ago) Relationship Status: And they all lived happily ever after <3
A procrastination in of itself
#100946: Sep 16th 2015 at 5:45:27 PM

Rand Paul just came out for sanity and rationality when it comes to China... Dear god... Rand Paul is the voice of reason...

“And the Bunny nails it!” ~ Gabrael “If the UN can get through a day without everyone strangling everyone else so can we.” ~ Cyran
Mopman43 Since: Nov, 2013
#100947: Sep 16th 2015 at 5:48:15 PM

Well, that's what happens when a party keeps going farther and farther down the rabbit hole; eventually, the people that we thought of as crazy look normal by comparison.

Silasw A procrastination in of itself from A handcart to hell (4 Score & 7 Years Ago) Relationship Status: And they all lived happily ever after <3
A procrastination in of itself
#100948: Sep 16th 2015 at 5:49:27 PM

So Iran is apparently a threat to the entirety of Western Civilisation.... Oh man, this shit cracks me up.

“And the Bunny nails it!” ~ Gabrael “If the UN can get through a day without everyone strangling everyone else so can we.” ~ Cyran
Protagonist506 from Oregon Since: Dec, 2013 Relationship Status: Chocolate!
#100949: Sep 16th 2015 at 5:51:45 PM

Well, I just started watching (I'm 30 minutes). I kind of like Lindsey Graham so far.

Leviticus 19:34
JackOLantern1337 Shameful Display from The Most Miserable Province in the Russian Empir Since: Aug, 2014 Relationship Status: 700 wives and 300 concubines
Shameful Display
#100950: Sep 16th 2015 at 5:52:29 PM

[up][up][up] What did he say?

I Bring Doom,and a bit of gloom, but mostly gloom.

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