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  •  Umm: Reality check. (5+ / 0-)

    Plenty of people are too poor to qualify for credit cards. Not in need of 'structure and discipline.' Just poor. And therefore, required to live within their means every month. Not buy something now and pay for it later. Whole swaths of American society doesn't have access to something you might consider 'simple' or basic or necessary.

    Get really sick or become disabled, for example, and then see how many credit cards you can qualify for. Even if you have the necessary financial 'structure and discipline'. It might be worthwhile to investigate how millions upon millions of your fellow Americans actually live before judging them.

    Ho'oponopono. To make things right; restore harmony; heal.

    by earicicle on Sun Mar 16, 2014 at 01:31:12 AM PDT

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    •  He said in bankruptcy. (2+ / 0-)
      Recommended by:
      flowerfarmer, Sand Hill Crane

      I know someone who is currently in bankruptcy, and it is due to lots of bad decisions on their part - not misfortune, unless you count making bad decisions as a misfortune.   Guess my mind just went there.   9 more months, and they finally get to come out.   I hope they do better this time.

      I shouldn't have casually lumped my thoughts into such a large swath.  Thanks for clarifying how many people don't have credit cards and/or are in bankruptcy through no fault of their own.   I had an uncle who simply never believed in them.  He paid cash, money order, or certified check for everything he bought.  He always said if you can't pay cash for it, you can't afford it.   It was over simplified, but his message always stuck in the back of my head.

      I will not vote for Hillary. What we need is a Democrat in the White House.

      by dkmich on Sun Mar 16, 2014 at 02:29:26 AM PDT

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      •  No problem dkmich (2+ / 0-)
        Recommended by:
        Sand Hill Crane, dkmich

        altho the bad divorce was partially my fault, the crash of the economy in 2008 was definitely not.

        Property taxes skyrocketed to over 6k a year, income dropped to similar-my customer base disappeared into the mists- and the hasty sale of beloved homestead to avoid gifting it to Countrywide.

        I had always been careful with my money, always had a hearty savings account.
        Not all of us are in this situation because we bought that second condo in Aspen.

        So yeah, cash, no credit.

        'How like fish we are: ready, nay, eager, to seize upon whatever new thing.......And how we rue our haste, finding the gilded morsel to contain a hook". ALDO LEOPOLD - A Sand County Almanac

        by flowerfarmer on Sun Mar 16, 2014 at 05:35:35 AM PDT

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        •  2008/2009 crushed the country. (1+ / 0-)
          Recommended by:
          flowerfarmer

          My office did all of the outplacement for Chrysler World Headquarters.   We had lines out the door and around the building.  Engineers, PhDs out the wazoo - I never saw a more highly educated and experienced workforce shit canned quicker.   Now the corporations are all whining they can't find fill their jobs at the half the wage.  

          It was a bad, bad time.  

          I will not vote for Hillary. What we need is a Democrat in the White House.

          by dkmich on Sun Mar 16, 2014 at 01:59:05 PM PDT

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