Thread 282268563

I don't understand why people take out loan, if you can't afford it you can't have it. If you take out a loan you are a retard

why the fuck do i become an esl when I start typing fuck me fuck you. Loan shark thread

>>282268563 (OP)
>Oy Vey goy its your fault for having no liquidity and having to rely on my usury
Spoken like a true jew

https://files.catbox.moe/c12r41.mp4

>>282268672
loans should be illegal full stop, it is your fault for not having money and if you already do have money you do not need more

>>282268563 (OP)
People need to buy stuff, and sometimes, they have no other way of getting the money

>>282268722
its called having a job, you do not need a new iphone

>>282268690
t. 3rd world esltard

>>282268746
t. first world 5 figure job as a tradie akshully

>>282268728
You do not earn enough liquidity to start a business through a job alone which is why loans are crucial to economic growth, the difference is the psychology of the loaner - good or jew

>>282268746
based, fuck povos fuck thirdies, stay away from my country

>>282268774
>You do not earn enough liquidity to start a business through a job alone
yes you do, a coworker of mine became a personal barkeeper that people hire, he buys all the spirits and that and charged per person. It's a sort of alcohol buffet

>>282268817
nooooooooo anon you don't understand, a business means making other people slave away I don't want to work....

>I NEED ONE THOUSAND MACS OR MY BUSINESS WILL FAIL
Ushijima would have a field day here

>>282268563 (OP)
Well generally people take out loans to get things that are expected to get them more money than than the amount and interest of the sum they borrowed or for purchases that are time sensitive the need to acquire before a certain date that would be impossible for them they can afford if they save for a longer period.

>>282268563 (OP)
why isnt there a doujin where ushijima whores out an entire family to repay their debts

money is stupid, everything i require is on the internet and is freeeeeeeeeeeeeeeeeee

>>282268906
>to get things that are expected to get them more money
so they gamble? thats pretty fucking stupid

>>282268563 (OP)
I have a get financially fucked in life fetish don't judge me

>>282269046
I'll only judge you after you've completed your services, nakadashi for 1 mang yen kudasai

>>282268563 (OP)
45 volumes are we are barely at vol 13, fuck me

>Take out huge student loan
>Max out a bunch of credit cards to pay student loan
>Declare bankruptcy on credit cards
?

>>282269133
you won't be laughing when he knocks on your cubicle

>>282269133
id rather buy a bunch of hookers and coke and hop in front of a bullet train

>>282268563 (OP)
No one on a reads this manga

>>282268728
Jobs don't pay enough or are understaffed so you have to do the work of 2-3 while still only getting the pay of one.

>loan big money
>invest and make more money
>pay it off and loan more money
>bigger investments
Done.
And before you bitch, this is done by every billionare company.
Your bartender retard is also loaned out btw, liquor is expensive and a normal salary won't even afford 10 bottles.

>>282268690
Blame the system that decided you HAVE to take out loans to exist
>Want to rent an apartment? Gotta have a credit check
>Gotta build credit? Take out and pay off loans
>Want to buy a car from a dealer? Gotta get a loan
>Want to buy a house? Gotta get a mortgage
>Want to just buy shit online? Bank refuses to let you use your debit card due to security issues tells you to get a credit card
Fucking retarded system

>>282272204
How about saving money so you don't have to loan?
>500 bucks a month
>have 6k in a year

>>282272204
You amerilards don't know how good you have it.
Want a 500€ credit limit in germanistan? Good luck and you better earn 50k a year. Want a 10k loan for your business? hahahaha

In the US you just don't have to be a retard and can get really nice loans for everything, mostly no questions asked. I'm always low on capital with my business, and family can and will only lend that much, especially when they're all working class and can't imagine not working for mr shekelberg.

>>282272204
>Bank refuses to let you use your debit card due to security issues tells you to get a credit car
This has literally never happened to me. What dogshit bank are you using?

>>282272204
The system is gay as fuck I agree but it isn't really THAT hard to build credit. Mine is around 700 and all I do is use a credit card to buy groceries and gas then pay it off on time each month.

>>282268991
No you retard, you get a car loan because you need a car to work

>>282273986
Take the bus

Borrowing to invest is different from borrowing for consumption.

>>282272204
Can't you use a prepay card?

>>282272204
You know that you can just pay your credit card on time right? Do you have so little financial control that you need to see the money moving out of your wallet?

>>282268563 (OP)
What if the expected value of an investment is greater than the cost of borrowing money to make said investment?

>>282274243
Huge waste of invaluable time. Get somewhere else but where you need to start from, wait for a goy wagon, get on and it's slow, it takes you somewhere at best close by to where you actually want to go, then leave the goy wagon and waste more time getting to you real destination. Not to mention it has no utility, you cn't even do a decent hardware store run if the bus is your only option.

Not saying that people should take a loan to buy a frivolous car but if you don't have the capital to buy a cheap, useful and reliable second hand car outright you may have to. Public transport is retarded shit for urbanfags, they aren't even busses here.

>>282268563 (OP)
If you can afford a loan you probably don't need one.