Have a seat at the bar.

[HalfSmokes]

If it's just two days, you can put it on the card and pay it off when the check clears paying zero interest.

[skippy1999]

If it's just two days, you can put it on the card and pay it off when the check clears paying zero interest.

That's true of a credit card but if you can't even qualify for a high-interest one and have to rely on the payday advance type places I think they charge their fees upfront.  Anyway we need to steer this back to booze, Chief's had a busy day already

[mitlen]

That's true of a credit card but if you can't even qualify for a high-interest one and have to rely on the payday advance type places I think they charge their fees upfront.  Anyway we need to steer this back to booze, Chief's had a busy day already

     The Chief has been active recently.      'Bout time he earns his pay.

[whytev]

Maybe they need to cash the check at an actual bank; the bank the check is drawn on will do it for free, other banks have free checking accounts

They do it because the payday loan places let you cash it two days early and they're out of money and have no credit. Makes the poor poorer, all the time.

[whytev]

If it's just two days, you can put it on the card and pay it off when the check clears paying zero interest.

If you have a card. Which people who go to those places usually don't.

[HalfSmokes]

They do it because the payday loan places let you cash it two days early and they're out of money and have no credit. Makes the poor poorer, all the time.

Can you point to a single consumer financial transaction where two days late matters more than the interest a payday lender charges? Utilities don't get shut off in two days, cars don't get repossessed in two days, landlords can't evict that fast

If you have a card. Which people who go to those places usually don't.

If you have a job you can get a high interest card

[mitlen]

Can you point to a single consumer financial transaction where two days late matters more than the interest a payday lender charges?

Food for the kids?

[HalfSmokes]

At that point it isn't a matter of two days (or at least it won't be for long the way payday interest racks up)

[mitlen]

At that point it isn't a matter of two days (or at least it won't be for long the way payday interest racks up)

Not you but I know "we" sometimes rag on folks who use these services.    Some of 'em have important needs that make the next paycheck too late.

[whytev]

Can you point to a single consumer financial transaction where two days late matters more than the interest a payday lender charges? Utilities don't get shut off in two days, cars don't get repossessed in two days, landlords can't evict that fast

If you have a job you can get a high interest card

How about eating food?

You can't get a card if you have already messed up with a card. Need a timing belt to get to work, max out card, fall behind on payments, get cut off, run out of food, boom you're at money mart.

[mitlen]

How about eating food?

You can't get a card if you have already messed up with a card. Need a timing belt to get to work, max out card, fall behind on payments, get cut off, run out of food, boom you're at money mart.

Has me on ignore.   

[HalfSmokes]

Not you but I know "we" sometimes rag on folks who use these services.    Some of 'em have important needs that make the next paycheck too late.

If your not running a deficit, being unbanked is usually education, if you are, payday lending is just going to accelerate the problem

[GuyFromCO]

I once started off a night drinking a tall ****tail called a 3 & T (three clear liquors: gin, vodka, and Everclear, with tonic water). 

Then some other stuff happened over the next six hours or so, the nature of which I can only speculate about.  That's the only time I've ever gone from zero to blackout in the course of one drink and the only time I have woken up with literally no idea what I did for six hours or how I got home.  No Everclear for me since.

You know, I probably fibbed. Like your 3 & T,  I'm sure a similar concoction was used for "trash can punch" during the college days... always tried to steer clear of that disaster, but I probably had it again at some point. Similar reaction. I mean, it is 190 proof!

[HalfSmokes]

You guys were crazy; our Tarascan punch (jungle juice) was koolaide mix with two parts vodka one part triple sec. it still tasted like fruit juice and it would freak you up pretty fast

[mitlen]

You know, I probably fibbed. Like your 3 & T,  I'm sure a similar concoction was used for "trash can punch" during the college days... always tried to steer clear of that disaster, but I probably had it again at some point. Similar reaction. I mean, it is 190 proof!

We used to use grain alcohol in the trash can.     


Might be the same thing as Everclear.

[whytev]

Has me on ignore.   

Hi Milten!

[whytev]

If your not running a deficit, being unbanked is usually education, if you are, payday lending is just going to accelerate the problem

Yes. Poor people are also uneducated sometimes. Or desperate. But plenty of people have banks and still fall victim.

[mitlen]

Hi Milten!

Who?

[whytev]

Who?

Done in by autocorrect again! Oh the shame.

[mitlen]

Done in by autocorrect again! Oh the shame.

I didn't even notice.   No big deal.      Hell, I thought it was Tuesday all day.   

[whytev]

I didn't even notice.   No big deal.      Hell, I thought it was Tuesday all day.   

I had a baby Sunday so I actually don't know what day it is.

[mitlen]

I had a baby Sunday so I actually don't know what day it is.

Congrats !    It'll be like that for the next 18 years.   

[whytev]

Congrats !    It'll be like that for the next 18 years.   

Thanks! I hope I can at least figure out when to go to work and when not to.

[imref]

I had a baby Sunday so I actually don't know what day it is.

Congrats!!!

[whytev]

Congrats!!!

Thanks!