Unpopular Opinions - General Thread

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Northstar
Since when was Mexico richer than the U.S.:odd:
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well in Italy, Light is much better than let's say any balkan country. in Italy light is very very little sweet yet in balkan countries it's like 10% less sweet than usual one.

I didn't mean richer, I meant some countries no matter their richness. It was written in hury.

epic sax guy gets too much love
 
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This forum sometimes sucks.

What? This thread is called Unpopular opinion for a reason.

Sorry though. Its not all the time and all people actually.
 
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samurai8juice
Credit Cards and the purpose they serve is stupid; why should I have to pay a price on money when I can just pay with bills, without any interest. It only encourages poor habits and bad spending.
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The most annoying part is that they play such a heavy role in your credit score that it's hard to get a good loan without one, especially if you've never taken out a loan.
 
samurai8juice
Credit Cards and the purpose they serve is stupid; why should I have to pay a price on money when I can just pay with bills, without any interest. It only encourages poor habits and bad spending.
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If used properly, you get paid to use them.

Use a card with no monthly/annual fees, buy only what you can afford and pay off the bill every month. No interest for you to pay but they'll pay you at least 1-4% for using it.
 
samurai8juice
Credit Cards and the purpose they serve is stupid; why should I have to pay a price on money when I can just pay with bills, without any interest. It only encourages poor habits and bad spending.
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1. Pay off the balance in full each month, and they're extremely useful. No additional costs in 25-30 days.

1A. No really, pay the ENTIRE amount in full each month, unless you have a disaster/emergency to cover.

2. Good luck getting your cash back if it's lost.

3. Credit cards actually have insurance against items over $50.

4. You need them in cases where collateral is required (hotel stays).

5. You can get free stuff from them (gift cards, cash back, hotel points, airline miles) if you play the games right.

6. Minimized foreign exchange rates compared to cash.

7. Ever buy anything online?

If anything, the Credit Card Companies Hate Me, and Send Out Ninjas To Kill Me Every Chance They Get.

If anything, this is the popular opinion: "It only encourages poor habits and bad spending", and it's the reason credit cards work for me...they give me all these benefits because many other people fail to pay their bills on time. Reconcile your bills every few days and you quickly know what you can or can't afford thanks to simple mathematics.
 
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samurai8juice
Credit Cards and the purpose they serve is stupid; why should I have to pay a price on money when I can just pay with bills, without any interest. It only encourages poor habits and bad spending.
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I encourage everyone to use credit cards as much as possible. They are the best way to pay for nearly everything. As mentioned above, they should give you money when used correctly. They also make it extremely easy to monitor how much money you're spending (at least mine does, and it's a wonderful feature that saves me from doing lots of math). If you are tight on money, use the card, just make sure to monitor how much your spending.

Credit cards also protect you from losses. If your card number is stolen you may not have to pay for the false charges. Some cards also have an off switch, which is handy if you know that you won't be using it for a certain amount of time, or want some help in avoiding the temptation.
 
Sushi tastes disgusting with Soy Sauce.

Phones aren't needed at all until you are going for a job.
 
RESHIRAM5
Phones aren't needed at all until you are going for a job.
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:odd:

My kids use their's ever day to, amongst other things, let me know they made it home from school alright.
 
TB
:odd:

My kids use their's ever day to, amongst other things, let me know they made it home from school alright.
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Before I got a smartphone, that's all I used to do. When I was in middle school, I was always the first one home for the day, so I'd either call or text my mom to let her know I made it safe and sound.

They may not serve a huge amount of use for children, but they work wonders for parents, I'm sure.
 
Pupik
1. Pay off the balance in full each month, and they're extremely useful. No additional costs in 25-30 days.

1A. No really, pay the ENTIRE amount in full each month, unless you have a disaster/emergency to cover.

2. Good luck getting your cash back if it's lost.

3. Credit cards actually have insurance against items over $50.

4. You need them in cases where collateral is required (hotel stays).

5. You can get free stuff from them (gift cards, cash back, hotel points, airline miles) if you play the games right.

6. Minimized foreign exchange rates compared to cash.

7. Ever buy anything online?

If anything, the Credit Card Companies Hate Me, and Send Out Ninjas To Kill Me Every Chance They Get.

If anything, this is the popular opinion: "It only encourages poor habits and bad spending", and it's the reason credit cards work for me...they give me all these benefits because many other people fail to pay their bills on time. Reconcile your bills every few days and you quickly know what you can or can't afford thanks to simple mathematics.
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Definitely an opinion from me though, then.

I just like using physical money more than credit. Money is also much easier to manage than credit, unless you carry around a large sum of money; than it's just like a credit card with no cashback.

Part of it is that I'm not fully educated on credit either.
 
samurai8juice
Part of it is that I'm not fully educated on credit either.
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Very short version:

If you wouldn't buy it with cash, don't buy it with a credit card as it's exactly the same thing only the actual outlay of cash is delayed slightly.
 
TB
:odd:

My kids use their's ever day to, amongst other things, let me know they made it home from school alright.
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Not saying it is bad, having a phone can be a good idea, but it really isn't a requirement to have until you decide to go for a job.
 
Northstar
I'm not a fan of spicy foods, which is an unpopular opinion in itself.:lol:
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Get-Out-Simon-Pegg-In-Hot-Fuzz-Gif.gif
 
Most Midwestern people don't enjoy the amazingness of spicy food tbh. I have a friend who thinks ketchup is spicy. Like for real.


Anyway:

Chip readers are the worst change to debit and credit cards in a while. They are slow to read on machines, it's easy to let people forget them, and people are confused on where they work and where they don't work.

Keep the good ol' swipy mc swiperson cards
 

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