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"Dear honorable father,
There IS such a thing as GOOD DEBT. You need to read books. Preferentially by Robert Kiyosaki and learn how to make GOOD DEBT work for you
--djin"
...
Dear unfathomable poision apple still-born half-breed stepson,
Before I begin take a look hither.......
Notice the 'good debt' (ROTF!) image of the white-people faux-burbia 'carriage home' (ROTF) with..lol....with f*cking DOLLAR BILLS flying out the windows as if the someone put regaular soar in the dishwasher and turned it on and fucking dollar bills startes flooding out the house like goddam soap suds.... I love you animals, I seriously do. I love being so goddam INTELLIGENT, seriously, I seriously TURN MYSELF ON just THINKING about HOW GODDAM INTELLIGENT I AM. I feel like I own a Starship from star trek, seriously - it's that fucking PIMP to go through life being able to see crystal clear whilst WOPS like you have it completely backwards, upside down and inside out. I love it. ...."Knowing the difference can SAVE YOUR FINANCIAL LIFE". LOL ..."FINANCIAL LIFE"??? LOLOLOL! I love it! LOL! "FINANCIAL LIFE"
Let's see -- what did daddy hives do today.... Ahh yes. I woke up around 10am when my body told me to get up. I had a tea and an egg. Went down the elavator and dropped the top on bomb #2 took the twisty roads like a nigg nogg high on chicken skin to the Auto Zone to go steal parts to fix the fuel filter on bomb #2. Drove, or shall I say, RODE back to the lair and got down and dirty. I fixed the filter, and rigged up a nice home made chassis brace (btw if this all is getting to techincal for you djin, dont worry, you shall never expeirience what I'm talking about. Instead, once you gitt finished reading agent 00Kiysakis DEBT-IS-GOOD-AMPLIFERS over and over you shall take your Toyota Yaris with the optional "Sport Package" [LOL - Ohhh 15" wheels and a leather shift knob!] to the DEALERSHIP for routine service so someone who chose TIME over MONEY can proceede to rectally violate your butt-parts in exchange for your GOOD-DEBTNOTES.) ...anyway I rigged up a nice chassis brace that sells online for $125. BTW, now I can take photos of this stolen (normally cost $5) piece of sqare tubing. Duplicate the measurements, create a paper drilling template, and instructions, and paint it candy-apple blue (OMG ITS PAINTED SO IT MUST BE AWESOMLY TRICK DUDE!!) and I WILL SELL IT for $99.95 online to MIATAPHILES who, like you are too goddam SKUURD to create something themselves!! Anyway after THAT, I drove to Jersey to the beach in bomb #2 with a concubine and a bunch of CDs, got a nice tan, got back to Philly in enough time to respond to your insipid downs drooling well before sundown. And yes, If you must know I am drinking another tea, served by a concubine, watching the sunset. Oh and what say is it? Oh yeas - TUESDAY! My point, NIGGER, is not to BRAG, but to DEMONSTRATE the difference between a PIMP and a SLAVE.
Dont get it do you? Lemmie explain again, that what *I* did TODAY (thus dar) the OPFFICE ORC making $200K downtown at the 'fortune 500' slave ship, simply CANNOT DO! While "RICHE" moranoracsaurasrectadactylthals downtown were (BTW that stand for MORAN- ORC- ASAURUS (prehisotirc ORC) a REX (rex denounces a feriocios frisky hard-headed, peanut headed nigger moran such as yourself and your mother) DACTYL (denounces flying capabilities as in flying up the 'coporate ladder to cash-flow, 'good debt' Jap-nigger Kiysoaki 'sheeple hay-stack chiken feed success') and THAL (denounces a level DOWNGRADE from ALL of the forementioned) ...anyways.... your so called heros, even Kiyosaki himself, were NOT taking 90 degree turns at 60mph hour today or swiming in the ocean - (BTW, I took a dump in the ocean today, yep, sea fudge).
SO, who has more MONEY -- well shit nigger, 99% of Philadelphia has MORE MONEY than your honorable father mr.hives. But our DAYS went VERY DIFFERENTLY.
But, super-nigger, lets gitt back to you beloved BOOKS/amplifers by your favorite so called 'authors' (read AGENTS)
Oh, and nigger, I'm just warming up........
LOLOL!!!! OK, Djin, here is LAWD KISOAKI, your beloved GODFATHER telling YOU "HOW TO GIIIIITTTTTTTTTTTT RIIICCCCHHHHEEE --- **WITHOUT CUTTING UP YOUR BELOVED DEBT CARDS!!!!***** LOLOLOL!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
AND.................and.............. LOOK AT THE BOTTOM LEFT CORNER:
Turn "BAAAAHHHHHH-----------hhhhhhhhhhhhhd DEBT" into GOOOOOOOOOOOOooooooOOOOOOOOOOOD DEBT!"
Oh the YOUNG FOOL you are djin. YOUNG FOOOOOooooOOOOL! LOL! Oh how the PROGRAMS simply ADORE their learned OBJECT LESSONS of CHILDHOOD - the "GOOOOOOD" object lesson and the "BAAAAAD" object lesson. I'm not going to go over this again in detail nigger. But I've told you a thousand times "GOOD" and "BAD" ARE COMPLETELY SUBJECTIVE. So far as the MASSES are concerend "GOOD" means that it is BAD FOR *THEM* - and "BAD" means it is GOOD for *THEM*. Obviously the unwashed masses, uncluding your mark ass, do not realize this so they cannot deduce that when 500 different books written by agents say there is "GOOD DEBT" it is WITHOUT A SHADOW IF A DOUBT to their detriment.
You cannot have "GOOD DEBT", GOOD DEBT, it like saying GOOD SLAVERY. I will not explain this again for a gang-raped JUNGLE BABBOON can comprehend it. Oh but that SUBJECTICVE ONE IN A MILLION slot machine jackpot HOPE of a chance is what's got your mark ass coils ENERGIZED so much that you are wasting your debt notes BUYING GLORIFIED "GET RICHE QUIXCK BOOKS" for HUSTLERS who are doing nothing more than selling suckers CRAP-AND-A-BLUE-SKY. Or HOPE. Yep - you be that nigger djin. The fat honkey with the collection of 'finance books' all talking about "GOOD SLAVERY". IDIOT!
Let us continue, shall we...
The intellgencia call you "BEASTS OF BURDEN" for a reason djin. And that is you carry a ROCK upon you backs that can never be removed. It weighes you down like a PACK MULE climbing an endless icy mountain and it matters not what word is put IN FRONT OF or BEHIND the word "DEBT". So long as the word "DEBT" is there - it represent this ROCK upon this WHITE MISERABLE HONKEYS BACK! GO WHITE BOY GO!!
Did it EVER cross your mind, djin, that ALL --- yes nigger AAAALLLLL debt BEGAN as so-called "GOOD DEBT" -- who the F*CK would get into "BAD DEBT"??? Surley the good white people of america are too intelligent (LOL) to take on "BAAHHHhhhhh-h-h-h-hhh-h-h-hD DEBT" --- surley when they got loans for houses, cars, STOCKS, bonds, college educations it was GOOOOOD --- in the BEGINING--- RIGHT??? But down the road when the 4th law of motion takes hold (delayed reaction) the 'good debt' SUDDENLY turns into NIGGER DEBT - aka BAAHHHD DEBT. WOOAH what happened? LOL! You see YOUNG FOOL. EVERY DEBT BEGINS AS HONKEY GODS COUNTRY PIE IN THE SKY LET THE GOOD TIMES ROLL LIVIN LA VIDA LOCA WHITE RICH 21 AND FREE DEBT - aka "GOOD DEBT" -- but alas, as soon as a few months go by it's suddenly BAD DEBT.
Ahh but that never grossed your mind, becasue chinks like Kiyosaki have you amped up like a Hindu black-jack dealer at Vegas over the ODD-BALL CHANCE that some how YOUR NAPPY MARK ASS will somehow be the FLUKE in the system. Well heres a wake up call faggot. You do like the masses, you end up like the masses. That is to say, NOWHERES!
NIGGER! LOOK tot he right of you! Now look to the left of you! Wheres all the rich white honkeys!!! WHERE ARE THEY! Every BOOM it's the same thing, white people come out of their depressive hibernation from the last recession and celebrate honkeyism as loud and obnoxiously as they can then get FALCON PUNCHED months later and retern to the fecal position hidden out of sight drowned in roal shame until the next round of boomshaklaking begins anew. DUMS ASS NIGGER! Are you retarted or jut imbred! DEBT IS DEBT FOOL! There are no rich people becasue DEBT=SLAVERY! Where are the 90's .com 'MOGULS' for a decade ago?? Where are the 'NEW DONALD TRUMP' house flippers from 2003-2008? LOL! WHERE ARE THEY! SHOW ME THE RICHES BIOTCH!
But hold the presses everyone, djin,... well this smart man has got a master plan. He's not going to do like everybody else... hes gonna..... ummmm... BORROW MONEY....
You are PROOF djin of the UNFATHOMABLE BIBLICAL STUPIDITY OF THE COMMON CATTLE MASSES - you are TRULY A REJECT UPON REJECTS - you should BANISH yourself to ANOTHER SOLAR SYSTEM and COMMIT SUICIDE after writing your mother an angry letter protesting her giving birth to you instead of whiskey aboting you like she did your bastard unborn brothers and sisters that now lie rotting as rats food in the Chigago subway sewers.
OK FOOL! FUCK YOU! YOU ARE DEALING WITH DJHIVES THE TRUEST MOTHER FUCKER ANYONE KNOWS ONLINE! SO FUCK OFF WITH YOUR HALF WIT CAT BRAINED HINDU MEXICAN NIGGERSHIT GIBBER GABBER ABOUT HONKEYING UP CREDIT LOANS TO GET RICH! YOU MAKE MONKEYS LOOK LIKE GREY ALIENS WITH YOUR HORSER SHIT! SHUT YOUT NIGGER YAP! SHUT IT!
HITLER SLAP GOOOOOOOOOOO!!!!!
...moving on.........
Here AGAIN, we have ANOTHER AMPLIFER by your favorite agent - I mean auithor, PROGRAMMING your 20 year old impressionable subjective nigger brain into thinking there is SUCH A THING as "GOOD DEBT" and "BAD DABT"
Are you begning to COMPUTE that these are simply AMPLIFERS? DURRR!!!
The one above is even writeen in ORWELIAN CHILD SPEAK (double plus GOOOOOD DEBT -- LOL) with the term "A, B, C's of getting out of debt" ...LOL!! ABC 123 HOOKED ON DEBT WORKS FOR ME!
nigger...
LOL! Keep em comin! LOL! The inset of this latest amplifer claims that one can "learn the power of GOOD DEBT" LOLOLO!!! MEEP!!! MEEP! AMPLIFICATION... MEEP!!! BTW , note how Kiyosaki (a "nobody") attches a 'college person' on the front cover of every one of his books, this is the trick of assosiation. Kiyosaki is NOT an accountant or finance graduate, but he KNOWS SHEEP LIKE DJIN wont BEE-LIE-VE in him unless he associates with a college graduate number person...hence Sharon the CPA (ooohh...ahhh..) on his cover. Tell the truth djin, thats why you bought these books on your moms Barclay Freedom Card didnt you --- that CPA said it, so it MUST BE TRUE.
SAN!
(stupid ass nigger!)
What is "$uccess?"??? well $ucess has EVRYTHING DO DO WITH "$" LOLOLOL!!! MEEP!!
Alright djin, you fagger - in case you havent figured it out yet - agent ooKiyosaki is just selling you get riche quick books based on the age old genius of BORROWING YOUR RICHES. He amplifys DEBT for the banks and in return is able to PIMP his BOOKS to HOES such as yourself. HES A BOOK HUSTLER. And not like a djhives book. A book in the typical form meaning SUBJECTIVE BABBOONERY USED TO AMPLIFY AND BLOWJOB THE MASSES FANTASY POLE.
Now, you know as well as I that you have just been served up somthing fierce on a buffet platter. Dont thank me, I am your father, I need no thanks.
Do you need more?
From CNN:
...hold on let meh get mah little lauging tub nigga ready...
... good... still with me djin? Time for daddy to show you hot to pee straight:Good debt vs. bad debt
Sometimes it makes sense to borrow - a lot of times it doesn't.
It's almost impossible to live debt-free; most of us can't pay cash for our homes or our children's college educations. But too many of us let debt get out of hand. [MEEP! MUST HAVE "HOME" AND "COLLEGE EDUCATION" THIS IS A REQUIREMENT FOR EARTHLY EXISTANCE - MEEP! DOUBLE PLUS GOOD DEBT - M33P!]
Ideally, experts say [AYE DJIN! EXPATS BE SPEAKIN'!! LISTEN UP! KIYOSAKI GOD AND SHARON GOD BE ABOUT TO TELL YOU ALL ABOUT GOOOOOD DEBT], your total monthly long-term debt payments, including your mortgage and credit cards, should not exceed 36 percent of your gross monthly income. That's one metric mortgage bankers consider when assessing the creditworthiness of a potential borrower.
["WORTHY" of what you ask djin............
..........drumroll................
..ARE YOU "WORTHY" YOU STUPID GIT RICHE READING WHITE NOSED PACK MULE!!!]
It's far too easy to spend more than you can afford ["EASY" to get into DEBT --- alls you gotta do is say 'sign me up' djin... DO IT DO IT DO IT PROVE MEH WORNG!!! GOWAN! DO IIIITTTT!!! BATH TUB NIIGER LAUGHS UPON THEE! ], especially when you pay by credit card. The average U.S. household with at least one credit card carries nearly a $10,700 balance [LOLOLOL!!! 10 GRAND!!! LOLOLOL!!!!! FOOLS!!! KISS YOUR TIMERGY INTO ITS NEXT LIFETIME!!! LOL GOOBYE!!! LOL!!!], according to CardWeb.com, and personal bankruptcies have hit record highs in recent years.
[NOW BRACE YOURSELF FOR THE FOLLOWING...]
Of course, avoiding debt at any cost is not smart either
if it means depleting your cash reserves [LOL! "CASH RESERVES" LOLOLOL!! RESERVED FOR WHAT NIGGER? DEBT REPAYMENT?!?!!! LOLOL! FOOLS!!] for emergencies. [OK HERE WE GO DJIN, MEEP:]The challenge is learning how to judge which debt makes sense and which does not and then wisely managing the money you do borrow.
Good debt includes anything you need but can't afford to pay for up front without wiping out cash reserves or liquidating all your investments.
In cases where debt makes sense
, only take loans for which you can afford the monthly payments.
Bad debt includes debt you've taken on for things you don't need and can't afford (that trip to Bora Bora, for instance). [LOL! "CANT AFFORD! LOL! IF YOU *COULD* AFFORD IT YOU WOULDNT NEED TO BORROW IT!!!!! DUUUHHHH!!!!! LOLOLO!!!!]The worst form of debt is credit-card debt, since it usually carries the highest interest rates. [UH OH!!! Accrding to this "EXPERT" there are varying degrees of debt - subjective-debt...LOL!!! ERGO if credit card debt is 'bad debt'......then..........oh shizzle.............that means............somewhere hiding at the end of a rainbow...........is the all elusive GOOD DEBT!!!
TANK YOU JEBUS!!!
TANK YOU!!!
OK...........
OK........
Im gonna show you all some funny shit..........
...its gonna crack you up.............
OK..... LOL...............
Im gonna show you DJIN IN 3 years.............
LOL..........
ready...........
its gonna be funny.......
ok.........
...DJin in 3 years.............
LOLOLOL!!! OH SHIT.............
OH SHIT IM TOO GOOD.............
CRYING....
cant breath..........
call ampalamps...lol,..loololol....
woo... ok..........
LOLOLO!!!
ok...
ok..
Im ok........
ok]
Sometimes the decision to borrow doesn't hinge on how much cash you have but on whether there are ways to make your money work harder for you. [Ahh the masses! LOL! Such IMBECILES! Does money "WORK FOR *YOU* -- OR DO ****YOU*** WORK (READ SLAVE) FOR MONEY!!!!!! --- LOL DOOOOOHHHHH!!!!]If interest rates are low, compare what you'll spend in interest on a loan versus what your money could earn if it were invested. If you think you can get a higher return from investing your cash than what you'll pay in interest on a loan, borrowing a small amount at a low rate may make sense.
... but before we contunue... I want you djin to initate program reception sequence
...initiate babboonery receptors in beta sector....
....begin intra-orc aplification docking secquence quardruple speed...]
Three examples of good debt
Home, school and your chariot qualify
Debt is not always a bad thing.
In fact, there are instances where the leveraging power of a loan [LOL! WHAT!! LOLOL!!!]
actually helps put you in a better overall financial position.
The chance that you can pay for a new home in cash is slim. [Forget buying cheap land with money from WORK (not slave) and building a BOX with your own bare hands and then adding on more boxes as needed - and forget renting, thats what niggers do...]
Carefully consider how much you can afford to put down and how much loan you can carry. The more you put down, the less you'll owe and the less you'll pay in interest over time.
Although it may seem logical to plunk down every available dime to cut your interest payments, it's not always the best move. [It may SEEEEEM LOGICAL BUT THIS AMPLIFER SAYS ITS NOT.... REMEMBER...REMEMBER...REMEMBER....MEEP WE TRAIN YOU CATTLE TO REMEMBER SO YOU CAN REMEMBER OUR AMPLIFERS.... MOOOOOOOooooo]
You need to consider other issues, such as your need for cash reserves [LOL! That phrase never gets old... its second to mah other favorite honkey phrase 'CASHFLOW'] and what your investments are earning.
Also, don't pour all your cash into a home if you have other debt. Mortgages tend to have lower interest rates than other debt, and you may deduct the interest you pay on the first $1 million of a mortgage loan. (If your mortgage has a high rate, you can always refinance later [get into MORE DEBT] if rates fall. Use our calculator to determine how much you might save. ["SAVE!" LOLOL!! BABOONERY!!! DJIN YOUR STUPIDTY IS SO STUPID ITS BEGNING TO TURN ME ON NOW I THINK YOU'VE COME FULL CIRCLE AND ARE NOW EXCITING ME LIKE A CAT OR SOME OTHER DUMB DOMESTICATED ANIMAL MAKES ME HAPPY....
Oh looks, I see Djin, and LadyAnus, and Brazencunt, Dante Altair, Master Lee Mochow, and The Colonel Sanders Buruma... how CUTE. You're even intelligent enough to huddle inside a fur container, completely ignoring that you all have fur yourselves... no doubt you ensteins will grow up to be this:
...Why use mah own furr coat when the honorable Lawd Kiyosaki can knit me one and sell it to me in return for being boxed indoors with mah balls scrambled and removed... hey hey hey.]
A 20 percent down payment is traditional and may help buyers get the best mortgage [DEBT - 'mortage, literally is latin for DEBT!!!! FOOLS!!!] deals. [DEBT DEALS!!!] Many homebuyers [read nigger borrowers]do put down less - as little as 3 percent in some cases. But if you do, you'll end up paying higher monthly mortgage bills because you're borrowing more money, and you will have to pay for primary mortgage insurance (PMI), which protects the lender in the event you default.
For more on financing a home, read Money 101: Buying a home.
When it comes to paying [BORROWING] for your children's education, allowing your kids to take loans makes far more sense than liquidating or borrowing against your retirement fund.
That's because your kids have plenty of financial sources to draw on for college [LOL! Since WHEN did a 18 year old NOOB, new to the world have 'plenty of financial sources to draw from' -- HEY DJIN... pst pst pst (kitty call) come ere fool... according to this youngards your age are just overloaded with cash... sheit I never knew...], but no one is going to give you a scholarship for your retirement.
What's more, a big 401(k) balance won't count against you if you apply for financial aid [AID, ASSITANCE, HELP, WELFARE, DOLE, SECTON 8, EBT, UNEMPLOYMENT, "BENEFITS", HANDOUT, "SERVICE" -- OHH LAWD!!!] since retirement savings are not counted as available assets.
It's also unwise to borrow against your home to cover tuition. If you run into financial difficulties down the road, you risk losing the house.
Your best bet is to save what you can for your kids' educations without compromising your own financial health. Then let your kids borrow what you can't provide, especially if they are eligible for a government-backed Perkins or Stafford loans, which are based on need.
Such loans have guaranteed low rates; no interest payments are due until after graduation; and interest paid is tax-deductible under certain circumstances.
Figuring out the best way to finance a car depends on how long you plan to keep it, since a car's value plummets as soon as you drive it off the lot. It also depends on how much cash you have on hand.
If you can pay for the car outright, it makes sense to do so if you plan to keep the car until it dies or for longer than the term of a high-interest car loan or pricey lease. It's also smart to use cash if that money is unlikely to earn more invested than what you would pay in loan interest.
Most people, however, can't afford to put down 100 percent. [HERE WE GO AGAIN! LOL!]
So the goal is to put down as much as possible... [...AND CUT!!!]
...
There's no need for me to go further with this amplifer - you all get the point, HOUSE, COLLEGE, CAR, MEEEEEE333333BBSSSZZZZZZTTPPP!!! IDIOTS! Same old programs carrying out the same old programs. Again, these are supposed 'good debts' that are........somehow....'GOOD'... LOL!
Blithering fools, I won't ramble on on such a remedial topic. The point is djin, in his young subjective wild-eyed exuberance has overlooked the obvious. That debt is debt no matter which way you want to sclice it divide it and falcon punch it. He cannot grasp this point becasue his favorite author is on the "GOOD DEBT" amplification payroll! His notions of 'good debt', like ALL sheeple ideas, are NOT HIS OWN -.... they were PUT THERE, by men EONS more intelligent than he shall ever dream to be. An electron, like anyhting in nature, always seeks the easiest path. Water finds its way through the most unobstructed path. It is therefore only NATURAL that a human SEEK a SHORT-CUT. However the differnce between the intelligencia and the sheeple-bee is their approach. One uses logic - the other emotion. Is what drive djin to keep buying Kiysakis book LOGIC, or is it EMOTION? Logic says a FUCKING BOOK will not tell you how to become wealthy. But EMOTION say it's 'possible'. The fact remains that objective people RULE over and consume (eat) SUBjective people. My clients are dreamers, hopers, retards, idealists, hippies, imbecilia, and straight up stupid. Never is one objective. Djin is on the path of the typical program - in fact MORESO becasue of his preocupation with MONEY and ammasing the MOST of it. This can ONLY lead to a LIFETIME OF DEBT - for he will NOT be satisfied with the SIMPLE and fullfilling day I described earlier - you see, TIME to him is BORING, ...it is UNWORTH, it is NIGGARDLY, it is "POOR" - what he seeks is MONEY, "RICHES" as his purple books plater over their covers with "$"-signs all over them. He wants MONEY. And as the honorable Princess Leigh once said, "if money is what you want - THATS WHAT YOULL GET" -- and djin, like the masses WILL get his 500K loan.. be it for a house, college, or a faux-credit-sheeple business. He WILL git the '30 emplyees' and '6 office managers' - but rest assured HIS MARK ASS will be in that corver office from DUSK UNTIL DAWN 7days a week like a do-do bird babysitting its retarded debt-eggs that arent even worth a damn. Ive seen it with my own intelligent eyes my children. Do not forsake my words. Do you know how many times I run into client who are the 'sheeple business owner'. They babysit 'their floor of employees' form a room that LITERALLY resembles the prison cell I once sat in when I was younger. Actually the prison cells had more life in them. But these faux-moguls will sit there all day whilst their new credit begotten Jaguar "Douche Edition" sits IDLE , like a fat chick at a birthday party, in the corner. In front of the car is lettering painted reading "BOSS" in front of it. Boss?? Boss of what? Boss of mutherfucking DEBT.
And everytime I see one of the future djins I smile to myself feeling I know the biggest secret in the world, yet a secret so simple a retarded downs 2 year old can grasp:
DEBT IS SLAVERY!
Pull the wires, kick the server - IM OUT!
-- the honorable djhives
