Payday loans !!

How cool ... a bank for stupid people. We have these "payday loan" shops every few blocks around here, kinda like churches.

So here's how it goes when your dumb enough to go to one of these places. Your stupid enough to not have enough money to buy some Macaroni and Cheese, so you pop into a Payday Loan shop with one of your old paystubs (to prove you make money) and an I.D. Then you sign some paperwork, write a postdated check, and get, let's say, $500.00 in advance until your next payday, lets say, 2 weeks. Then when your check date comes up, they cash it and get the money back plus an interest rate of ...... ohhhhhh 500% !!!!!!

Let me ask you this? Are you people out of your flippin' mind? 500% ?? COME ON!! I would ask if your really THAT stupid but since they have a shop every 500 yards, I guess my question is already answered. Why stop at 500%, what's wrong with 20,000%?? Why not, when you've reached this point of stupidity, it really don't matter anymore. Here's an idea, from now on, every time you get paid, just take 50 bucks into a payday loan shop and hand it to them, no questions asked. Even if you don't have a loan with them, just pop in and give them 50 bucks. It shouldn't bother you, since your to stupid to know the value of money anyway.

Do you realize that when you get $500 bucks from them for 2 weeks, then in the end you pay them an additional $95.90 for the loan you ARE INDEED paying 500% annual interest??? That number in percentages is not even comprehensible to me as it's WAY past loan sharking. Wow, what a deal, someone will give me $500 bucks in advance if I give him $600 in 2 weeks.

And if you don't pay it off right away, then the real fun begins. If you stretch out that 2 week loan to 6, 8, 10 weeks, you'll owe them another $500 ..... JUST IN INTEREST!!! Smart move! I just cannot for the life of me figure out how people are so stupid with money. Weather it's their checkbook, credit cards, cash flow, payday loans ..... you just so damn gullible. You are, indeed, succeeding at one thing and one thing only, making OTHER people rich (at your stupidity by the way).

I believe that if you can't afford it, don't get it. Wow, another crazy thought. Yup, I got a million of them. The only thing you should have on payments is your house, that's it! Everything else should be paid in FULL! Yes, that includes your car too. But you say, "How could I possibly pay for my $30,000 car in full??" Well that's my point, what the hell are you doing with a $30,000 CAR if you can't afford to pay for it?? If you can't afford to pay for it, you should be driving a $2000 car. Then, and here's the weird part, when you accumulate more money in savings by not having a car on payments, you can, down the road, BUY A BETTER CAR!!!

But I know what your thinking, that's not the American way! Yeah, I know, buy now, pay later. OR, buy now, and pay twice as much later. Well you and your stupid "keep up with the Jone's" attitude can continue to wonder why your living paycheck to paycheck for the rest of your life, and still paying off your house when your 65. I on the other hand, choose to drive good used vehicles, paid in full, don't own a credit card, and will never take out a loan again. And with any luck, I shall be a TRUE home owner, in full, long before my loan matures. And when my house loan is paid off, guess what happens, a whole bunch more money becomes free of interest and gives me MORE money.




Money is a really cool thing, it's almost like a living creature. It can eat you alive, or become your best friend. In other words, it works just as well FOR you, as it does against you. Because when it's working against YOU, it's working for SOMEONE ELSE. And this is why, it is absolute stupidity to ever step foot in a payday loan shop, because your making somebody else rich. I've actually written a book on money called "Stupid, stupid, stupid. Why are people so stupid with their money?" And for your donation of only $19.95, YOU TOO can discover the hidden secrets of how to never worry about money again.

Actually, the book story is true, I did write it, but if your dumb enough to pay for it, then I rest my case on stupid people.


I'm sure our Lord and savior will have some ideas on how to handle your money.


Number 18:26 Speak to the Levites and say to them: 'When you receive from the Israelites the tithe I give you as your inheritance, you must present a tenth of that tithe as the LORD's offering.

You see, even God has a payday loan scheme! Hey, I never said He was dumb. Which is exactly why so many televangelists do so well. Even after they have been exposed as a fraud, they come back for more. You know why?? It's damn lucrative!! (and apparently they don't have a soul).