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 AUTHOR
 WalksOnWater2
Joined: 5/19/2009
Msg: 147
too much in debt?Page 4 of 9    (1, 2, 3, 4, 5, 6, 7, 8, 9)
EXACTLY my point! debt is debt! The man who has NOTHING, but has NO debt is FAR better off then the man who has lots, but owes it all on debt! I've made it to 40 without EVER having a credit card, or ANY major debt, or any loans for that matter! I may be single, but I owe nothing to anyone!

Hey,Professorjjd,
The man who has NOTHING has NOTHING and is not far better than anyone.
If you are happy to be broke and debtless like a newborn baby at age 40, that's fine and dandy, but don't expect women queuing up for your affection. You think selling blood is a career and an accomplishment? That's what the derelicts and the drug addicts do, to get money for dope and booze.
The only reason you made it to 40 without EVER having a credit card, or ANY major or minor debt, is that nobody EVER thought that you'll have enough blood to pay them back.
The "I didn't want to" attitude is good only if you "could but didn't".

 Lint Spotter
Joined: 8/27/2009
Msg: 149
view profile
History
too much in debt?
Posted: 9/4/2011 5:33:34 AM

You don't really need a house. With housing values fluctuating all the time, sometimes it's better to rent than to buy.
You need to watch the market and buy at the right time... I bought when they were at an extremely low value so the chances of my house depreciating is quite slim. Having been forced to move due to the sale of property; I didn't like being in that position so to me owning my home is a necessity.

If one is living within their means, and that includes their mortgage, then I fail to see how it could be considered bad debt.
I've seen bad mortgages... when a person is paying so much into their house because they've bought well above their means, it's a bad mortgage.

I have worked extremely hard to get to this point where I no longer have a mortgage. Did I ever say that a mortgage was bad. No. Mortgages are necessary and I see nothing wrong with them.
Now you're just being a hypocrite. You've stated ad nauseum how any and all debt is bad regardless of the circumstances, touted how you've always lived debt free. Now you state that you have had debt while looking down your nose at those that still have a debt.

As far as personally attacking me - that's okay.
No one is attacking you, we're debating the points you've made in this thread.
 ladyc4
Joined: 2/14/2006
Msg: 150
too much in debt?
Posted: 9/4/2011 8:27:12 AM
Recognizing that this thread is a couple of years old and that the OP is no longer here-
I think the takeaway here is that each person needs to get information and make their own decision about getting involved with someone who owes money to some entity for something.

Utility bills, food, insurance premiums(or paying room and board to someone) are of course money that is owed-but it is not debt.

As for mortgages/land contracts-again, it depends...is the mortgage "upside down"? Is making the mortgage payment each month practically a traumatic event?

As for other debt-is it for medical bills or student loans? Or for tools/equipment needed for the persons' livelihood? ( hey, they don't GIVE AWAY tractors, well-drilling rigs, heavy equipment. I can't recall the last time I saw a backhoe or a bulldozer for sale at a Goodwill or Salvation Army store.)
Or is it for "instant gratification" of desire for consumer goods? I guess I could see making payments on a necessary item( stove or refrigerator,heating plant)...if one of those "croaks" one may not have the luxury of time to shop for "scratch'n'dent" or secondhand items.

Bottom line- YES- significant debt,back child support, an "underwater"(aka "upside down") mortgage-are things that need to be taken into consideration when considering marriage. But people with debts do get married every day,work hard TOGETHER to discharge the debts,and live their lives.
This is a question that cannot have a simple "yes or no", black or white answer.
Cindy O
 professorjjd
Joined: 3/26/2009
Msg: 152
too much in debt?
Posted: 9/4/2011 8:49:38 AM
Yes, this public signal is given away free! Available for any within range who care to use it! Also, when I reached an age where I understood what was around me, and the country I lived in, I NEVER signed up to be subject to this backwards system of extortionist revenue to a corrupt government! I NEVER agreed to ANY of this! I owe allegiance to no king, emperor, or government, I kiss no ring, and even when I was a kid I refused the pledge of allegiance! I don't get sick(ever), my gas and electric(plus tap water) are included in rent, and I completely sustain myself without ANY help from this system! personally, I think thats pretty amazing! Even if you do not! Show me one other person in my circumstance that refuses to use a corrupt and capitalistic system that can sustain themselves without it! If you wish to participate in it fine, but don't pretend its a good thing to be in debt, to pay unfair and extorted taxes, endless fees just to sustain all these toys you think you need to live, and PROMOTE it as a good thing! THAT FISH WON'T FRY! I actually pity all of you that believe this! Just a matter of time b4 this country runs out of money, can't pay THEIR debts either, and can't borrow anymore! Then this entire precariously balanced corrupted system shall go the way of the dodo, and I intend to laugh when that eventually happens!!
 Lint Spotter
Joined: 8/27/2009
Msg: 153
view profile
History
too much in debt?
Posted: 9/4/2011 8:50:45 AM

From what you've stated you're a strong healthy capable man who chooses to live off the system you profess to disdain.
To add to this point, what of when he becomes ill and cannot safely give blood or plasma? From what he's said, there's no buffer in the event of becoming ill nor has he contributed to a pension plan or savings for when he's too old to take care of himself.

People such as that are a strain on society and I personally am tired of picking up their slack.
 Vannili
Joined: 7/8/2008
Msg: 155
view profile
History
too much in debt?
Posted: 9/4/2011 9:47:01 AM
shutterfly, if Professorjjd is" contented and happy" how he run his SPARTAN life ,who are YOU to judge him????????? He is right that a person who is in deep debt ,worried sick how he can pay his bills, ,even he is very sick, he has to go to work to pay his bills....He has a big nice house,big TV in all the rooms, super premium Cables, which he has no time to watch, high tech cell phone , every 3 years he change car with high technology, he travel for vacation and stays in 5 star hotel ,eat in a good restaurant,intertained in his house with fine food and wines. Lastly shop to an upcale store..... IF the company shorten his hours or laid off, he is worried sick how he can pay his bills.

I may live way beyond him , but I don't compare myself better than him, or he is better than me, even he is living in a first class luxurious life he is paying the price for it...

I live a second class life and my nescessity bills are my priorities, property taxes,water,gas/electric, car maintenance, ect.ect. and I shop at Saver ( thrift store) on monday dollars days & 50% off.. and food on sales.* I am paying a price to have a peace of mind and contententment *of "want not and waste not". My luxuries is fishing , flipping magazines of nice places borrowed from library and watching travels shows on my 28''old fashion colored TV ..Can't afford to eat out most of the time but I can afford to pay cash on whatever nescessity I need..

On the long run he who live on luxuries life may tempted to steal to cover his debts ( I work in a casino so I know what I am talking about ) if he got caught all of what he has will be strip of him and we are on same SEA swimming, bobbing our head to SURVIVE....

The kicker is we can not argue someone's belief, if Proffesor believe that he can live like the little Sparrows who doesn't toil and not worried because the Lord God take CARE of him ,so be it,it is his life ... OHH, the goverment will not take care of him ,he has to have a job for his shelter and food and comfort and pay taxes ..
 Lint Spotter
Joined: 8/27/2009
Msg: 156
view profile
History
too much in debt?
Posted: 9/4/2011 10:33:50 AM

He is right that a person who is in deep debt ,worried sick how he can pay his bills, ,even he is very sick, he has to go to work to pay his bills....He has a big nice house,big TV in all the rooms, super premium Cables, which he has no time to watch, high tech cell phone , every 3 years he change car with high technology, he travel for vacation and stays in 5 star hotel ,eat in a good restaurant,intertained in his house with fine food and wines. Lastly shop to an upcale store..... IF the company shorten his hours or laid off, he is worried sick how he can pay his bills.
I think most things that a person has can be saved for rather than being tossed onto an ongoing debtload... I had no problem sending my mother a large, flat screen television for Mother's Day a couple of years back... and I didn't go into debt for it either.

If I want something badly enough, I'll save for it... if I can't save to buy it, then obviously it's not all that important to me... (exclusion of a house or car).
 Vannili
Joined: 7/8/2008
Msg: 157
view profile
History
too much in debt?
Posted: 9/4/2011 12:36:24 PM
^^ I totally agree with you, I am so green envious of all my friend's large flat screen TVs and their trip ( I craved these trips to death) to Las Vegas,/Cruises/vacation to the Philipines, but I would rather spent my saved money on house renovations , paint my car,ect.( that I can see where my money went).. Of course, I have options,improve my living condition or enjoy visual matters that will chuck in to a nice experience for a short period of time, and back to square one again.


My philosophy is take care of business first before leisures..
 WalksOnWater2
Joined: 5/19/2009
Msg: 159
too much in debt?
Posted: 9/4/2011 2:14:16 PM
Vannilli



shutterfly, if Professorjjd is" contented and happy" how he run his SPARTAN life ,who are YOU to judge him?????????

The professor is mooching off a system that he declares he despises.
I'm one of many who got hit with lay-off, half-ass employment thereafter, diminishing house values etc., but because I have lived below my means for a long time, and avoided indebtedness, I 'm doing fine , thank you. If by judging you mean my comment that he's not a desirable man as a mate, you are right. I'm judging. From where I stand, I see that he takes advantage of all the amenities that exist in society because the taxpayers pay for them, and he KNOWS that the social services will bail out his ass, if he falls ill or becomes unable to support himself by his current 'profession". He is " contented and happy" because of the corrupt and capitalistic system (supported by these pitiful others) he lives in.
There is a 'catch-all' system here in these United States, that keeps people from falling through the cracks and welfare services that states are required to operate.
The same taxpayers that he calls - whatever he calls, are the ones who fund these services and everything else he considers free. So his unconventional-rebel-I'm-wiser-than-thou- BS -act is at the least questionable.

If he really wants to be such a royaly independent and unencumbered individual, he can pack and go live in the woods or on a beach, sleep under a palm tree and eat coconuts falling from above and are paid compliments of nature. (Provided the tree doesn't belong to someone who paid for it) The wifi signal may be weak and no electricity to run the laptop, but hey! He will not have to kiss nobody's ring, unlike the people living in the society. Then he can say he is "off the grid completely! " (his words)

The point of all this discussion is/was how good or bad is debt.

Debt is a product you buy. You buy money, you rent it, that's what it is.
Just like a hamburger or a TV, you don't HAVE to buy it. Nobody puts a gun in your head to make you get a loan. It's a choice people make, and some over-do it. It is a decision which has consequences.
The lenders are in the business of renting money, like the landlords are in the business of renting housing, for profit. It is up to the individual to evaluate their own needs and capacity to repay. It is negotiable. Because it was so easily available for a long time, many fell for the advertised credit trap. Debt is neither good or bad in this sense. It is just another product, available for purchase, and it can be very expensive. You are better of if you don't need to buy it.
 professorjjd
Joined: 3/26/2009
Msg: 160
too much in debt?
Posted: 9/4/2011 7:07:34 PM
shutterfly 57 , do you even know what a real "moocher" is? Its idiots running around abusing the system, having illegitimate babies, abusing the welfare systems, food stamps, etc.. I collect NOTHING! Never have, never will! Also, just because a road is there and someone didn't pay taxes and chooses to walk down it, means they are taking advantage of the system? What incredible ignorance and stupidity you show by an assumption like that! If there was no road there, I would still walk the path, whether it be through grass, trees, rocks, whatever! We have no choice, since they've built roads EVERYWHERE in this country! If you choose to pay the government taxes(that they waste beyond belief) thats your choice, but it takes real audacity to call someone a moocher who doesn't agree to pay as well, into a system I NEVER agreed to! I have no doubt, that there are many in this country who would agree with this! By the way, withholding income tax on personal wages was not even enacted until 1943, and the country got along just fine without uncle sam forcefully stealing from its so called "citizens". No, I DON'T agree with taxes, especially personal income taxes, and I choose not to participate or promote an unethical, corrupted, biased, and greedy capitalistic system, and my choice does NOT classify me as a "moocher", but someone who REALLY stands up for my beliefs, with a stronger will then most modern americans who blindly do what these politicians tell you, by law and by force! I refuse, and will remain my own man, without kissing the ring, as they say!
 CoolBreezez
Joined: 8/20/2006
Msg: 161
view profile
History
too much in debt?
Posted: 9/4/2011 8:42:16 PM
It seems that everyone has their level of debt that they find tolerable. You also have to remember that debt is a time sensitive and dependant. If you can manage to limit the time you are indebted as well as the amount, you can be free and clear much more quickly and then making money and getting ahead of the game. The longer you hang onto debt , they more it costs you. Once you get ahead and start to have money, the more power you have to make choices, pay only whats on the sticker (plus those dreaded taxes). It is truly empowering and freeing.

Or you can choose the life of the Professor here and never owe or own anything. He is really a capitalist in the truest sense of the word. He lives at the edge of society, availing himself of what he chooses and participating minimally in helping to build it. For others of us, we find that participation has its rewards.

I find it great that I can give people things and help them out, remembering the things I have received from them and others. The system we have has its faults, but you can find a way to make it work for you, and be relatively happy in the end as well as do some good for others.
 professorjjd
Joined: 3/26/2009
Msg: 162
too much in debt?
Posted: 9/4/2011 10:19:33 PM
Sorry buddy, nothing to 'build" here! In fact, thats one of our main problems, we've built too much! And now we have to pay the piper! Raise the debt ceiling, TRILLIONS in debt, more spending, eventually leading to total and complete economic failure! Just a matter of time! Luckily, I'm prepared, are you?
 Lint Spotter
Joined: 8/27/2009
Msg: 164
view profile
History
too much in debt?
Posted: 9/5/2011 12:18:31 PM
Alrighty Professorjj... I'm going to call bullchit on you... frankly, I'm amazed at the intricate details you've spun to try to justify being someone that doesn't contribute to society.

First you say...
I'm VERY real, I always speak the truth,
...emphasis on your always speaking the truth... Then you claim this for income:
I donate plasma twice a week, and that covers my rent!
I happened to look over the American Red Cross's guidelines for donating plasma and it's only acceptable once every 28 days. Even if you were donating elsewhere, they have guidelines that must be followed so in order for them to accept you donating so often, you're lying somewhere.

Furthermore, you're on here claiming that I and others that think such as I do are shallow... actually, you called me "INCREDIBLY shallow". You've then stretched my words to claim that you don't qualify for love where in truth, you simply do not meet my standards as a mate. I wonder why it is when someone does not meet the standards of another, it's touted that they're shallow?

I was raised to have a strong work ethic... that is something that is proven by the lifestyle that one lives and someone that claims to sell their blood or plasma or kidney or whatever in order to live is not someone that I or most other women would admire. I know that before I would allow my father to lose his home, I would sell mine and help him pay his bills... that's the way I was raised, to take care of those we love.

You've also pointed out that when you were a child, you refused to pledge allegiance... but you certainly availed yourself of an education. An education that was paid for by others via taxes. Face it... you're a fraud. You sit there in your holier than though chair and proclaim to the world how much better you are because of your refusal to conform to society's standards... living 'almost off the grid'... yet this is the same society that you are begging to be part of... if you truly wanted to be outside of everything, you wouldn't participate in this community forum. You'd happily sit there, with drool running down your chin cackling over the foolishness of those that are happy to say they pay their taxes and benefit from the rewards...
 mrmisterme
Joined: 6/7/2009
Msg: 166
view profile
History
too much in debt?
Posted: 9/5/2011 1:17:45 PM
$400 a month by selling your blood? Wow!

I bet he doesn't declare it on his tax forms.
 professorjjd
Joined: 3/26/2009
Msg: 167
too much in debt?
Posted: 9/5/2011 5:12:15 PM
Its truly amazing how ignorant many people are, and some who claim to "research" missed the entire subject! I NEVER said I donate or sell BLOOD! I donate PLASMA! Look up some plasma donation websites! If you are truly curious, goto: http://www.talecrisplasma.com/talecris-how-to-donate.htm You can donate twice a week, and the pay is next to having a low paying part time job, UNTAXABLE! Do your proper research before you make assumptions! They take NO BLOOD, only plasma!
 forums1
Joined: 2/14/2010
Msg: 168
too much in debt?
Posted: 9/5/2011 5:21:47 PM
I don't get sick(ever)


Wow, that's great... so you've managed to avoid all the illnesses that the rest of us have built up tons of antibodies against! So when something really bad comes along, we might have a better chance of surviving...


my gas and electric(plus tap water) are included in rent, and I completely sustain myself without ANY help from this system!


Oh, great! You can survive just great without the system - I guess we can tell the 'system' to shut off your gas and water, since you no longer need 'the system' that supports them?

And, oops, forgot electricity - but I guess you're doing without that from the 'system' already, since you didn't mention it (oh, wait, you're using a computer to post that aren't you?). I'm presuming, of course, that you grow all your own food, raise cows or goats for milk (and to make your own cheese), chickens for eggs, all of them for meat too, and haven't visited the grocery store 'system' in all this time too?
 professorjjd
Joined: 3/26/2009
Msg: 169
too much in debt?
Posted: 9/5/2011 5:25:09 PM
And as for Lint Spotter , yes, I DO always tell the truth! Besides, my truth is far more amazing and interesting then your lies! Don't give me this crap about a "strong work ethic", just because you are willing to work DOESN'T mean you can be successful in this country! There are LOTS of people slaving away in manual labor jobs in fields, on roads, etc.. who REMAIN dirt poor, regardless of their principals! In fact, I will go so far as to say the most financially successful people in this country have a glaring LACK of principals, or any form of ethics! And yet they get bailed out by YOUR tax money when they collapse! I consider that a backwards corrupted system, a snake that is eating its own tail, from greed! It can't last forever, and the only survivors of the collapse will be those humble dirt poor people who are ALREADY used to having nothing, so I won't really affect them! GOod luck maintaining your "successful" lifestyle after the economy finally falls, and there are riots in the streets, and your career doesn't exist anymore! Hehe, perhaps the poor people will drag the wall street people, and the "successful" ones into the streets and hang them from streetlights, thanks to the extreme gap between the dirt poor, and the wealthy! God help you!
 mrmisterme
Joined: 6/7/2009
Msg: 170
view profile
History
too much in debt?
Posted: 9/5/2011 5:26:05 PM
Wasn't the Professor stuck on an island with Gilligan?
 CoolBreezez
Joined: 8/20/2006
Msg: 171
view profile
History
too much in debt?
Posted: 9/5/2011 6:24:13 PM

Sorry buddy, nothing to 'build" here! In fact, that's one of our main problems, we've built too much! And now we have to pay the piper! Raise the debt ceiling, TRILLIONS in debt, more spending, eventually leading to total and complete economic failure! Just a matter of time! Luckily, I'm prepared, are you?


Debt sure gets everyone excited doesn't it?

Well - lucky for me I'm Canadian. We don't quite have those same problems - but if you neighbours in the USA go down, we'll feel it too. Fortunately, your country can easily handle and pay down its debts, if your politicians would stop their partisan nonsense, choose the best courses of action and stick with a plan. It'll happen soon- we managed to do it here in Canada for 15 years and got our finances under control- I'm sure your country can find the way too.


I'm prepared, are you?


And if the whole continent does go down the tubes , I can be prepared in spades. I own my house and vehicle outright and the collapse of the government would mean no more taxes. Meanwhile my built up resources can furnish me with

-a wood stove
-solar panels and batteries
- tons of staples like canned goods and supplies
- fuel oil, gas and diesel
- gold, silver and diamonds for trade
- sandbags to build my bunker
- razor wire fence
- really cool firearms and ammo and a bee-itchin fishin rod
-solar security system
-built in winery

Sounds like fun for a while but really the Mad Max lifestyle would be something like going to work everyday. So instead I think I'll just get on the boat and go offshore somewhere sane and with my valuables.

Really Prof- you that scared of the future? You really need to have a back up plan-those clinics won't be buying much plasma during Armageddon. You need to buy some property in the backwoods and get that low- carbon- back- to- the- land thing going quick. And look for earthy chicks that think the same way you do.

But you have to have a plan, get resources and carry it out. Its about have dreams and a goal and doing what it takes to get where you want to be.
 professorjjd
Joined: 3/26/2009
Msg: 173
too much in debt?
Posted: 9/5/2011 6:49:43 PM
"The more you know, the more you realize how much you DON'T know, therefore the truly wise man knows nothing, and he knows it!" I know enough about economics to realize this country is a doomed system, and I want no part in it, just enjoy the little moments that a poor person can have(until EVERYONE is poor, which will happen sooner or later)!
 professorjjd
Joined: 3/26/2009
Msg: 175
too much in debt?
Posted: 9/5/2011 8:33:05 PM
What you fail to take into account in your simplified model here is the fact that this country is NO LONGER a country of producers, we are consumers.. We are functioning on a system of borrowing and credit! At this point, our consumption far exceeds our production! Where are the factories, the steel plants, the jobs that used to actually produce sellable goods? They have all moved far overseas! The only thing we really produce is debt, right along with our greedy government! Those who've acquired personal wealth usually gather it via the work and slavery of poor people, who are struggling to pay rent and support their families on very low paying jobs, while the CEO'S get paid millions! And the gap between the wealthy and dirt poor people grows daily! Theres a more complex and more accurate model for you in return, perhaps you are blinded by prejudice and biased believing our economy is actually effective? If you believe what you told me, I actually pity you! Some people cannot see disaster until it hits them directly in the face! This country is going down, and sooner or later a place like china will march in and take over because we will never be able to pay them back! Unless a poverty war starts before that, when the poor people overthrow the wealthy(the so-called successful people) and drag them out to the gallows(or the guillotine), it will be a new french revolution, especially with the elimination of the middle class in america! At least I know what side I'll be on!
 JP1111
Joined: 4/13/2008
Msg: 177
too much in debt?
Posted: 9/5/2011 9:07:36 PM
I would but first I would invfestigate something. I would look into if you were to marry him, would you aslo be on the hook for half his debt? If you're not then, I would always being very aware of where YOUR money is going.
 Lint Spotter
Joined: 8/27/2009
Msg: 180
view profile
History
too much in debt?
Posted: 9/6/2011 9:03:15 AM

If you are truly curious, goto: http://www.talecrisplasma.com/talecris-how-to-donate.htm You can donate twice a week, and the pay is next to having a low paying part time job, UNTAXABLE!
I’ll do you one better. I called them to find out exactly how much a person could earn with donating… it got me curious since the site claimed a regular donor averages around $200.00 a month.

The first donation is $40.00; the second donation is $50.00. Subsequent donations are as follows: $25.00 for the first donation each week and $35.00 for the second. This means that the absolute maximum that a person can make from donating plasma at that location is $330.00 in a month – this is giving that a person takes advantage of it being a five week month which only happens a couple of times a year and also takes advantage of being a first time donor.

Additionally the untaxable [sic] is a stretch as well. The lady advised that while they do not keep records of payments made to individuals, the individual should be keeping track of their donations and filing it on their annual income tax.

I tell ya, those ladies at that donation center in Vegas are truly informative.

I would now like to revisit…
And as for Lint Spotter , yes, I DO always tell the truth!
*cough, cough, bullchit, cough, cough*

As a side note… -built in winery… I’d like to reserve accommodation for one in the event of a financial meltdown please.


*********

I hope you go bankrupt, you sound like a right tit. No offence like
You really need to clarify to whom you're addressing your post. This way I can laugh a little more...
 ladyc4
Joined: 2/14/2006
Msg: 183
too much in debt?
Posted: 9/8/2011 9:13:38 AM
Some here seem to have wandered far from the OT-which was about concern/tolerance of a prospective spouses' debt load, not taxation philosophy.

For myself, I would probably be quite cautious about unsecured debt for luxury items...but debt for a house, a vehicle,education or tools/equipment to generate income,not so much.
Cindy O
 serene65
Joined: 9/30/2010
Msg: 184
too much in debt?
Posted: 9/8/2011 4:56:43 PM
nope, dont do it,
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