For anyone considering credit cards

[mike9302]

I strongly would recommend anyone who has just filed bankruptcy and are considering getting credit cards to visit the site below and purchase this mans book. This man is pretty much a financial genious. He offers no get rich quick schemes and gives sound financial advice. His books are very very helpful and you would be amazed at what his money plans can do if you follow them. His books are also cheap. He sells a set of 14 cds talking about everything from dumping debt to investing and making sound purchases. One of his many good books that work is selling for 10.00 right now. I would strongly encourage anyone to purchase this book and give it a shot. Hell at least go to your nearest book store and sit down and skim through the book for 10 minutes.

[tinroofrusted]

[QUOTE=mike9302]I strongly would recommend anyone who has just filed bankruptcy and are considering getting credit cards to visit the site below and purchase this mans book. This man is pretty much a financial genious. He offers no get rich quick schemes and gives sound financial advice. His books are very very helpful and you would be amazed at what his money plans can do if you follow them. His books are also cheap. He sells a set of 14 cds talking about everything from dumping debt to investing and making sound purchases. One of his many good books that work is selling for 10.00 right now. I would strongly encourage anyone to purchase this book and give it a shot. Hell at least go to your nearest book store and sit down and skim through the book for 10 minutes.




ABSOLUTELY NOT. That man is the most arrogant SOB I have ever seen in my life.
He is not a genius, and he lives in a fantasy world. He also makes millions of dollars a year, and can afford to live "debt free."

Give me a break please.

[JeepMom]

I would strongly suggest you keep your opinions to your self.

[mike9302]

The man is good and knows what he is talking about. I laugh at people who want to get credit right after a bankruptcy. You declared in the first place because of credit and now you run right from the court to see who will be the first person to give you credit again. Thinking you need credit just to survive is crazy and I used to think it is a necessity to survive. But I used to have a visa debt card that I would make 100.00 a month payments to and now I put that 100 a month in a savings account and make my own intrest even though the intrest rate is something else to laugh at. The mentality of some people is insane. I mean these days gas is going up, companies are moving overseas, hours are being cut, and pay is not going up but you want to run out charging up a credit card. Me I am putting my money in savings so if I run into a layoff I am not going to have Visa calling me day and night. I may have my cable company call me threatening to shut off service and I will say go ahead. My gf wanted to start getting credit cards and after talking to her she agreed they are stupid. The first thing I asked her is why do you want one? I mean your getting by ok right now without them so why get one and she looked puzzled for a second and said because everyone else is getting them.

[JeepMom]

I would strongly suggest you keep your opinions to your self.

Because you missed it the first time.

[tinroofrusted]

The man is good and knows what he is talking about. I laugh at people who want to get credit right after a bankruptcy. You declared in the first place because of credit and now you run right from the court to see who will be the first person to give you credit again. Thinking you need credit just to survive is crazy and I used to think it is a necessity to survive. But I used to have a visa debt card that I would make 100.00 a month payments to and now I put that 100 a month in a savings account and make my own intrest even though the intrest rate is something else to laugh at. The mentality of some people is insane. I mean these days gas is going up, companies are moving overseas, hours are being cut, and pay is not going up but you want to run out charging up a credit card. Me I am putting my money in savings so if I run into a layoff I am not going to have Visa calling me day and night. I may have my cable company call me threatening to shut off service and I will say go ahead. My gf wanted to start getting credit cards and after talking to her she agreed they are stupid. The first thing I asked her is why do you want one? I mean your getting by ok right now without them so why get one and she looked puzzled for a second and said because everyone else is getting them.

I am with JeepMom also.

I strongly suggest that you keep these comments to yourself. 99.9% of us did NOT file because of excessive credit card use, and I don't appreciate you lumping me into a group that did.

I suggest you find another board to harass.

[newstart]

Mike if you haven't ever filed bk and make $23,000 a year and your finances are all in order why do you keep posting? You haven't been where any of us are so who can you give advice to?

[mike9302]

I was there once with you people and I know the feeling. I am sorry but most people declare bankruptcy because the make bad financial decisions or rack up a lot of debt with loans and debt cards. Most of you people are knocking me right down and I get the same from real life people who look at me like I am crazy because I dont get credit cards and they try to convince me that I need them. I am learning that they are not a necessity and I am saving every month to one day buy me a home. Sure a mortgage is necessary in most cases but if you have enough to put down you will get a loan whether you have ever had a credit card or not.

[JeepMom]

Well, I'm getting a house now, making money now, saving on my taxes now.

So, you are king dippy doo for waisting your money by delaying the building of credit.

[SinkingFast]

And he can't read Forum Rules either. No solicitations allowed.

I reported his post with the link. We'll see how long it lasts before Minny's magic fingers do the trick.

[tinroofrusted]

I was there once with you people and I know the feeling. I am sorry but most people declare bankruptcy because the make bad financial decisions or rack up a lot of debt with loans and debt cards. Most of you people are knocking me right down and I get the same from real life people who look at me like I am crazy because I dont get credit cards and they try to convince me that I need them. I am learning that they are not a necessity and I am saving every month to one day buy me a home. Sure a mortgage is necessary in most cases but if you have enough to put down you will get a loan whether you have ever had a credit card or not.

Actually, Mr. Smarty, only 7% of Bankruptcy cases are because of poor financial decisions.

MOST cases are due to job loss, medical reasons, and divorce.

I suggest you do more research before making anymore stupid and ignorant comments like you have spewed here.

[Minnymouth]

Sounds like our new "guy" needs to apply for a job as "an apprentice" for Donald Trump....... then he wouldn't have to file Chapter 11 anymore......

Just my thought

[fsugirl]

OH LORDY !!! THE OLD MIKER STRIKES AGAIN !!!


BLAH BLAH BLAH !!



He's way to much of a jerk to be for real !!! What pointless statements you make Mike..I dated a guy named Mike once, and I could not STAND HIM !!! Maybe it's something with the name ??

Humm......

[mike9302]

Hmmm only 7% of bankruptcys are for bad financial decisions... Funy how the national credit card debt has reached 1 trillion and steadily going up. I think myabe more like 77% for bad financial moves or heavy credit card debt. I dont care if I get banned because you people are financial morons.

[anonymuse]

If you think we're morons, why bother coming here?