Your attitude to credit?
We must live within our means, especially in these dangerous times. I have very distant relatives and family of interesting characters, many years living in loans taken repayment of loans taken to repay the loan...the rent is not paid, the debt is astronomical, the eviction on the horizon, all coming in the family money is spent on booze and vacations. This is a complete P, comrades. And I don't understand how insane these loans are slapped, they even authorities can't tell patients all up.No, I believe that if you are here right now are not unable to buy something you do not need it. I understand that treatment or is there suddenly not bury it, it's understandable, it happens, but to take now, in the era dive of the ruble, loans for toys, at the risk of being in the cold with a bare ass, only a complete degenerate.
ihappy
Friend done. One, being without relatives in not hometown tirelessly tired, her case is that she chose an expensive thing to afford myself and to pay in installments, through a loan, while others broadbrim just the same, mostly girls give their kid supplying all necessary, fulfilling all their whims and working for them. Even petty to insult the word of a stranger light arguing superficial conclusions about it it's not moral, can be easily expressed otherwise.I wrote my opinion above against loans to and from and it will never change. Wrote that the norm of buying such as my friend did, because less risky and less common, on the basis of logic. About the large loans mentioned above all you need. Simply expressing a point of view from what I would still felt it was better to assume that large loans better and with less risk than small, I am not going. Any major credit risk, if not to remain with nothing much to lose in any pink life" and to get negative credit history in the future. Further bickering is pointless, thanks for the view, though, and caught a stranger in it, on the forums and this happens forgivable.
NR-88 wrote:
Friend done.
Yes, of course.
But the phones take a loan fools and fools.
Can't buy a phone, so not working!!!
NR-88 wrote:
while other broadbrim just the same, mostly girls give their kid supplying all necessary, fulfilling all their whims and working for them.
As you well for all the girls signed.
Your girl is done. And the rest are fools. Oh, how lovely logic.
NR-88 wrote:
Even petty to insult the word of a stranger light arguing superficial conclusions about it it's not moral
How to speak? On the stupidity to say Oh good?
NR-88 wrote:
Any major credit risk
Yes. And phone credit, is an attempt to live better than you can afford.
But with an iPhone on the bus. The motto of the people who bought the phone on credit))
NR-88 wrote:
Further bickering is pointless
So this is not a dispute ;)
NR-88 wrote:
though caught a stranger in it
And again.
Stupidity should not be encouraged.
ihappy
Generally you can write if not enveloped all. I wrote basically and took the quotes in addition, many had just seen. Here is a more directly at the person to write is not the case, but it's passed, everyone has their own touch in communication, no hostility, just a reflex to defend the honor of important people in communication. Punching a girl who had to fight their way in life without the help of a single mother fool just can not be. However, I agree that the phone she took honey, which is not enough even two monthly salaries in the amount to prove to someone from the side that she can do something, that I have seen. I would for such a loan even under the gun did not take it by itself. Just IPhone this and take, do not know what so attracts some, not a fan. So funny even wrote about the with an IPhone in the bus. In fact it came out. I agree that it's stupid, but the fact that the minimum damage from risks compared to large loans obvious. A phone is a phone, so if like what and expensive in this case then Yes, it would be more justified.
Dude, the comp is over 150,000 in loan costs for a year?
In General, credits should be taken on small things, like telephone, computer, fridge etc, a maximum of a year. To take out loans for cars and apartments is only given that you earn 150,000 and above per month. And there in Russia, Oh sorry, in one only to Moscow and St. Petersburg probably protsentik 2%. So, in principle, to take something for years in this country is to lose the power of will, mind, because of the constant tension, and potentially eventually left with nothing.
Merkats
That's it, right. A friend that lives in tension, shabashki often instead of resting between watches, and even back to torture became, neuralgia went, and this risk had to lie and not to work, even if purely for some time. He works as an electrician at a hydroelectric power station, there is the hand twitches and. Here it is the beauty of the mortgages and other large loans, life at risk. Depth and substance in the last message here is more than to understand everything inside and out. Productive and useful.
NR-88 wrote:
but the fact that the minimum damage from risks compared to large loans obvious.
Heh.
I have a friend not a poor man.
But the son decided to buy a cool phone and took the credit. I don't know how it happened that he did not pay. But he did not pay. So he sold the car(I doubt that the whole sum went to the loan) then to pay for the phone.
It then took a law that protects consumers(like pins which may not be higher than the debt of the body).
If the person is a fool, he a finger the eye itself beat out))
But this is the way just.
Merkats wrote:
Dude, the comp is over 150,000 in loan costs for a year?
Of course take it. Be sure to take it. After all, a computer is something without which you will not live ;)
ihappy
Maybe the computer is something without which my life is losing about 70% of the interest? I think people are taking the phones and computers on credit, understand that Yes, they will eat some eggs and porridge, but they ate this food until the loan because they see the meaning of his existence in the other or they have a completely different Outlook than you. For example, if tomorrow I would have gotten 150,000 out of heaven, I would exactly spend on the PC. In Russia, in usurping the country, often collapsing from the corruption that is going on here, a lot of entertainment for ordinary citizens are not. 150.000 to spend on holiday in Turkey? Which is 2 weeks from power last? Or without which it is impossible to live worth it became even worse to live in physical and moral terms, I mean the mortgage on an apartment or car right now. The apartment or car for the average person needs to present a tool, nothing more. Now who is stupid in my opinion, these are the people that take out loans for apartments 3 room, and then take an additional loan for renovations. If you're so poor, you have to take a loan repair, you are a complete asshole.
And on the other side a man who takes a year, and I make the emphasis for a year or more, the computer and enjoy games in my free time and not feel bored. And so would be in deep loans, and would look beautiful on walls and furniture that are really a swank, even compared to the iPhone.
Merkats wrote:
Maybe the computer is something without which my life is losing about 70% of the interest?
Yes, even 100%.
It's not otnimaet that take the computer can not afford a sign of stupidity.
Maybe you should think about getting a job where you can earn at the computer is necessary?
Or think about the computer cheaper.
Merkats wrote:
I think people are taking the phones and computers on credit, understand that Yes, they will eat some eggs and porridge, but they ate this food until the loan
Like, this the situation is becoming smarter)
Merkats wrote:
For example, if tomorrow I would have gotten 150,000 out of heaven, I would exactly spend on the PC.
To receive a gift, and to borrow, not the same thing.
Merkats wrote:
In Russia, in usurping the country, often collapsing from the corruption that is going on here, a lot of entertainment for ordinary citizens are not.
You will come to talk about myself?
PS I Wonder why all the rogue think that they are poor blame the government?
Merkats wrote:
Now who is stupid in my opinion, these are the people that take out loans for apartments 3 room, and then take an additional loan for renovations.
Great. Stupid people, just take an apartment on credit, and he's smart because the PC takes a loan.
It is sur)
Merkats wrote:
If you're so poor, you have to take a loan repair, you are a complete asshole.
It is really sur)
And those who's computers take a loan, who is this? )))
Merkats wrote:
And so would be in deep loans, and would look beautiful on walls and furniture that are really a swank, even compared to the iPhone.
Do you by any chance 12 years old?
ihappy
I don't see any argument why to take a computer on credit is bad? A priori, if I take it for a year, so I can afford to pay the amount of 150.000 divided into a month + a small % in the additives than if I collected monthly and eventually to the end of the year I would have changed priorities. Even if I would, I'd just lost a year of Dating, but saved a few Lunches in the restaurant.
But I can see the attempt to designate on the individual and the minority. And I also see the wool outright.
Merkats wrote:
And I also see the wool outright.
Wool you have in mind, babe.
Merkats wrote:
I don't see any argument why to take a computer on credit is bad?
Probably can not read.
Again.
The fact of buying on credit things such as computer games will notice a sign of stupidity.
Not bad or good, but just stupidity.
You take credit for those things that do not need in the first place.
Maybe we should think about education? Well, that could make on a computer, but not to borrow, and envy those who have a powerful computer.
Merkats wrote:
A priori, if I take it for a year, so I can afford to pay the amount of 150.000 divided into a month + a small % in addition,
No. Just the opposite. This shows that you can't afford this purchase and borrow.
ihappy
Always very amused by these comrades, with the mentality of low rank townspeople, who themselves only pripadnikov above the skirting Board, I hasten to hold under a line separating them from dirty simentov. The funny thing is how stupid their casuistic rhetoric directed against them, being
pronounced with a slightly higher level.
ihappy wrote:
Your friend is stupid beggar.
Excuse me.
To take phone on credit... it's pieces.
The loan must be taken on a long-term purchase, apartment, car, etc
Can't buy a phone, so not working!!!.
You, excuse me - poor fool. To take a car to the loan...this is the endgame. Can't buy a car, so not working!!!
ihappy wrote:
And the phone in General so not necessary to borrow it, it's the shame.
Attempt to seem cooler than you are.
To take a car on credit, it is the shame - ezdy on the subway, where you belong, with the rest of the mob.And, especially , the apartment cannot immediately buy an apartment in the village of Ivanovo, Omsk region, buy a house cheap. We here in the city the poor don't need.
ihappy wrote:
Maybe we should think about education? Well, that could make on a computer, but not to borrow, and envy those who have a powerful computer.
Indeed,maybe we should think about education? Well, that could earn the car and the apartment, not to borrow, and envy those who have a powerful machine, the latter will nisanit.
ColonelJason
ColonelJason wrote:
which themselves only pripadnikov above the skirting Board, I hasten to hold under a line separating them from dirty simentov.
The only trick is that this is your invention.
Unlike you fools who take phone on credit, I am aware of his position. Don't buy on credit, without which life and so sweet.
I have no phone credit, I have no loans.
My attitude to the credits I wrote above. And it has not changed.
ColonelJason wrote:
To take a car on credit.
ColonelJason wrote:
To take a car loan,
Gee. Fixated on the machines you see.
You clearly don't understand that the car is not a luxury. It is needed for the normal work and life.
Computer, phone and similar household items, are not relevant to the essential things.
Phone for 1000rubley performs the same function as for $ 1,000.
PC for 50K, performs the same function as for the 150K.
Smekaesh?
ColonelJason
The funny thing is that you didn't even read what I wrote.
There are two types of things.
Necessary and luxury.
House, car, is what every independent person.
The phone and computer is a luxury(I suspect, because of the stupidity you understand the word luxury in its). They are certainly pleasant. But without them, well live and if they are not. As if nothing in life will change.
Smekaesh?
Taking luxury to a loan, you do not become richer, you become poorer only.
I was always amazed at people taking credit(especially large loans) on kakoeto the game, and then go in a minibus.
And I repeat it regularly. Only twist a finger at a temple it is possible.
PS you Can buy on credit, even caviar black. I do not care. Don't ask Council to take or not. And then your ass is burning from the answer.
ColonelJason wrote:
a poor fool
a cheap attempt to catch.
stalker7162534 wrote:
Look! Us oligarch wandered!
I am not an oligarch and that is why my attitude to credit(for purchase of minor things) is very negative.
You have to be an idiot to buy a phone on credit, or to do renovation loans, wedding loan and etc.
This is all an attempt beggar to show themselves richer.
Today, he takes credit for the phone, and tomorrow eating the noodles without anything.
ColonelJason
ColonelJason wrote:
In reality, there are people of quite a different kind: young professionals, with a salary of 150 thousand who are convinced that they need for their work, and if for some reason they have to change it, they will gladly take any other similar company.For people to take, say, a car loan for Lam and calm to pay it within three to four years is reasonable: any slaves they will not, in any hole will not get, and in General, the costs will be pretty insignificant.
No doubt, but apart from them there are also businessmen-millionaires that have never do not take credit; there are outcasts who are at a financial and social bottom that did not even know such words. And there also exists a gray mass with a salary of 20-30 thousand rubles per month who want to look successful and prestigious along with the specialists with the salary of 150 thousand rubles per month. This gray mass and make the statistics on credit debt, and they are mostly it goes in this thread.
ihappy
ihappy wrote:
The only trick is that this is your invention.
Fiction-my, you're the only one she fully sootvetstvuet.
ihappy wrote:
Unlike you fools who take phone on credit, I am aware of his position.
Who is you? I do not take phone on credit. And cars are not take-unlike you. And the position is yours to oasisnet not difficult, I described it in his first sentence, that just my imagination.
ihappy wrote:
Gee. Fixated on the machines you see.
Would be better if you saw what is the irony of your words, replacing the words phone (which you seem fixated) on the car/apartment.
ihappy wrote:
You clearly don't understand that the car is not a luxury. It is needed for the normal work and life.
Certainly not a luxury - quite normal purchase. Amused by the people who on such a mundane thing, take out loans, but they have the heart to call someone poor.
ihappy wrote:
Phone for 1000rubley performs the same function as for $ 1,000.
Evo like ... Well, if nothing but to call and SMS to write to the phone do not know, then Yes, the function of one.
ihappy wrote:
PC for 50K, performs the same function as for the 150K.
Yeah...it's a Pity that comp for 50K this is one good video card and what function it can perform by itself - is not entirely clear. Apparently, it is beautiful to stand on the shelf.
ihappy wrote:
But without them, well live and if they are not. As if nothing in life will change.
If in your life nothing will change without a phone and a computer, of course, why save up for a car for you is not possible. Once seen, you are very busy highbrow work.
ihappy wrote:
Can buy on credit, even caviar black.
I'm not buying anything on credit.
ihappy wrote:
a cheap attempt to catch.
Glad I was able to show you how stupid your rudeness looks like.
Wing42
Wing42 wrote:
and predominantly we are talking in this thread.
Well, it is, after all, about the loans in General, so I decided to cover not the most popular, but still has a place option.
ColonelJason
I do not argue. Loans generally need clearly not people with a salary of 150 thousand rubles per month.
Wing42
I don't know, I think for them it is just very convenient. Get you 150 K. came Telefon 80k. You yourself want it, and in General, can afford the salary you good. But give ~60% you don't want to, because this month you will be banal not to suffice for life. Take a loan for three months, and when the three months have been a little more modest, have in a short time, your, paid, expensive good phone.