Poor people and credit

[anonymous-user]

rb5er said:

I hate pretentious stuck up tts but pretty sure the OP is trolling or just gone full retard.

A Trolltard?

[zygalski]

Stinkotanko said:

For me the thrill of ownership of my watch collection and my relatively humble fleet of cars is that I own them.

Not the bank, not Bright House, me.

Why do people not simply purchase what they can afford and stop cheapening prestigious brands with the sickening credit culture Britain is tied up in?

It upsets me to see a tracksuit-wearing yobbo sporting a Panerai, it makes me positively incandescent with rage when they bemoan the cost of buckles and purchase a fake.

Thankfully the 0% interest HP deals aren't available on premium cars or they would all be tearing around their council estates in Bentleys.

I guess I just don't like poor people.

It's all a show. Pretence, dear boy. The fact that a lot of the stuff people claim ownership of is actually owned by a finance company or bank is neither here nor there. They can't afford their material goods, but the game is aspiring to a lifestyle which is beyond their means & pulling the wool over other people's eyes in the process.
Taking out finance on a watch? Time to reassess what's important in life.

[anonymous-user]

on your deathbed you will not, I can assure you, look back on your life and wish that you had bought one more watch, or one more car

such trinkets are just that: wholly unimportant in the grand scheme of things

[berlintaxi]

zygalski said:

Taking out finance on a watch? Time to reassess what's important in life.

Why? Zero percent credit leaving the money earning interest in the bank or elsewhere, seems like a no brainer.

[xRIEx]

This is sump under a second username, right?

[anonymous-user]

It's the clear product of a difficult childhood, combined with years of abuse and a feeling of lack of achievement. According to my psychiatrist.

[DonkeyApple]

berlintaxi said:

zygalski said:

Taking out finance on a watch? Time to reassess what's important in life.

Why? Zero percent credit leaving the money earning interest in the bank or elsewhere, seems like a no brainer.

Yeah right. Only if you've taken care of your savings priorities and then ironically, if you're the type of chap who has done that then you wouldn't ever need credit to buy jewellery.

[DonkeyApple]

JPJPJP said:

on your deathbed you will not, I can assure you, look back on your life and wish that you had bought one more watch, or one more car

such trinkets are just that: wholly unimportant in the grand scheme of things

A cheap Casio will be more than good enough to tell you what time the male nurse will be coming to assault you while you sit in your own cold urine in the corner of a fetid, paupers home and desperately beg for the sweat release of death.

[berlintaxi]

DonkeyApple said:

Yeah right. Only if you've taken care of your savings priorities and then ironically, if you're the type of chap who has done that then you wouldn't ever need credit to buy jewellery.

PH snobbery at its finest.

[foxsasha]

JPJPJP said:

on your deathbed you will not, I can assure you, look back on your life and wish that you had bought one more watch, or one more car

such trinkets are just that: wholly unimportant in the grand scheme of things

Life's about experiences, I've had a diverse range of experiences in various vehicles and they have helped enrich my life enormously. It depends on the reasons why you would want to buy that one more car as to wether you'd regret not buying it or not. Not buying that 4x4 that allows you to do a cross continent off road adventure would lead to greater regrets than choosing not to buy another trinket to sit in garage gathering dust.

[DonkeyApple]

berlintaxi said:

DonkeyApple said:

Yeah right. Only if you've taken care of your savings priorities and then ironically, if you're the type of chap who has done that then you wouldn't ever need credit to buy jewellery.

PH snobbery at its finest.

It's not snobbery. It's blatant common sense!!!!

There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.

Your example is even more ludicrous as you are saying that if you have money in the bank why would you be borrowing?!!!! That's just spaz logic.

[Monkeylegend]

Anyone lost their village idiot?

It's ok, he/she is safe and well. Smells a bit mind.

[berlintaxi]

DonkeyApple said:

berlintaxi said:

DonkeyApple said:

Yeah right. Only if you've taken care of your savings priorities and then ironically, if you're the type of chap who has done that then you wouldn't ever need credit to buy jewellery.

PH snobbery at its finest.

It's not snobbery. It's blatant common sense!!!!

There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.

How is it common sense? I could if I wished to pay cash for a new watch, but would prefer to leave the money in the bank and use somebody else's dripping it back to them at no cost to myself, makes sense to me, but each to their own or are you going to trot out some trite rubbish about depreciating assets.

[Vocal Minority]

Didn't we have a thread a while back, where someone protested that they wanted to buy a Golf R cash because he wanted people to think he was 'doing well' - but he lamented that people could buy it on credit and it eroded his perception of self worth, as he couldn't then get his mid-sized German hatch-back style peacock tail up and make people coo in admiration?

Presumably the OP is something of a parody of that?

[DonkeyApple]

berlintaxi said:

DonkeyApple said:

berlintaxi said:

DonkeyApple said:

Yeah right. Only if you've taken care of your savings priorities and then ironically, if you're the type of chap who has done that then you wouldn't ever need credit to buy jewellery.

PH snobbery at its finest.

It's not snobbery. It's blatant common sense!!!!

There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.

How is it common sense? I could if I wished to pay cash for a new watch, but would prefer to leave the money in the bank and use somebody else's dripping it back to them at no cost to myself, makes sense to me, but each to their own or are you going to trot out some trite rubbish about depreciating assets.

Of course. You'd do all that to make ~1-2% return on the cash while dropping magnitudes more on the goods. Er, OK.

[Adenauer]

Cardigan wearing Nerdfight alert, Cardigan wearing Nerdfight alert.

[berlintaxi]

DonkeyApple said:

berlintaxi said:

DonkeyApple said:

berlintaxi said:

DonkeyApple said:

Yeah right. Only if you've taken care of your savings priorities and then ironically, if you're the type of chap who has done that then you wouldn't ever need credit to buy jewellery.

PH snobbery at its finest.

It's not snobbery. It's blatant common sense!!!!

There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.

How is it common sense? I could if I wished to pay cash for a new watch, but would prefer to leave the money in the bank and use somebody else's dripping it back to them at no cost to myself, makes sense to me, but each to their own or are you going to trot out some trite rubbish about depreciating assets.

Of course. You'd do all that to make ~1-2% return on the cash while dropping magnitudes more on the goods. Er, OK.

Some purchases in life are bought just to enjoy them, why do you need to worry if what you bought ain't going up in value unless you plan to re-sell it?

[anonymous-user]

Hes gone I think..... not a flounce but a disappearing act in embarrassment

[DonkeyApple]

berlintaxi said:

DonkeyApple said:

berlintaxi said:

DonkeyApple said:

berlintaxi said:

DonkeyApple said:

Yeah right. Only if you've taken care of your savings priorities and then ironically, if you're the type of chap who has done that then you wouldn't ever need credit to buy jewellery.

PH snobbery at its finest.

It's not snobbery. It's blatant common sense!!!!

There isn't anywhere in the planet outside of hair salons or gay bars where buying jewellery on credit makes any sense at all. Bonkers.

How is it common sense? I could if I wished to pay cash for a new watch, but would prefer to leave the money in the bank and use somebody else's dripping it back to them at no cost to myself, makes sense to me, but each to their own or are you going to trot out some trite rubbish about depreciating assets.

Of course. You'd do all that to make ~1-2% return on the cash while dropping magnitudes more on the goods. Er, OK.

Some purchases in life are bought just to enjoy them, why do you need to worry if what you bought ain't going up in value unless you plan to re-sell it?

Er, so why faff about trying to turn a ~1-2% gain on a debt arbitrage!!!!!! I'm really sorry and I genuinely don't mean to be rude or picky but even you understand that it's farcical man maths to try and justify getting your hands on a bit of bling as you point out above. just be honest as you have just been instead of trying to make out its a savvy financial transaction and calling others snobs for discussing the blatantly bloody obvious.

[berlintaxi]

DonkeyApple said:

Er, so why faff about trying to turn a ~1-2% gain on a debt arbitrage!!!!!! I'm really sorry and I genuinely don't mean to be rude or picky but even you understand that it's farcical man maths to try and justify getting your hands on a bit of bling as you point out above. just be honest as you have just been instead of trying to make out its a savvy financial transaction and calling others snobs for discussing the blatantly bloody obvious.

What faff is it, sign a form and set up a direct debt.