The Score

Off Topic
61

[quote]kellerdp wrote:
My goal is to have no credit score and just pay for things with cash. The only debt I’m interested in taking out is a home mortgage (in about 5-6 years), but I’ll be working with a company that manually underwrites the loan as opposed to just running a credit score.

Fuck FICO[/quote]

To each his own, but the term “underwrite” means “to determine a borrower’s ability to pay back a loan”. How EXACTLY is a bank going to do that when you haven’t demonstrated the ability to do so? That’s all a credit score is… I’m not saying that there are banks who WON’T do that, but if they do, they are certainly not reselling the loan on the secondary (because no one will buy it without a “FICO”) which means they are portfolioing it themselves which means you’ll probably be paying a MUCH higher interest rate.

Think about it: Borrower A HAS a credit score and has shown that he/she can pay off their debt. Borrower B has nothing. Which borrower is a higher risk to lend 200K to?

Sure there are banks that will do it, but they will MITIGATE that risk by charging you a higher rate. So your “fuck FICO” attitude is going to cost you hundreds of dollars every month. Add it up over thirty years (or whatever loan term you and the bank agree on - a shady bank like that might give you a balloon mortgage). Your attitude just cost you tens of thousands of dollars.

BUT you get to say you did it all without a credit score. Cool story bro. Fucking BRILLIANT!

62

[quote]angry chicken wrote:

[quote]kellerdp wrote:
My goal is to have no credit score and just pay for things with cash. The only debt I’m interested in taking out is a home mortgage (in about 5-6 years), but I’ll be working with a company that manually underwrites the loan as opposed to just running a credit score.

Fuck FICO[/quote]

To each his own, but the term “underwrite” means “to determine a borrower’s ability to pay back a loan”. How EXACTLY is a bank going to do that when you haven’t demonstrated the ability to do so? That’s all a credit score is… I’m not saying that there are banks who WON’T do that, but if they do, they are certainly not reselling the loan on the secondary (because no one will buy it without a “FICO”) which means they are portfolioing it themselves which means you’ll probably be paying a MUCH higher interest rate.

Think about it: Borrower A HAS a credit score and has shown that he/she can pay off their debt. Borrower B has nothing. Which borrower is a higher risk to lend 200K to?

Sure there are banks that will do it, but they will MITIGATE that risk by charging you a higher rate. So your “fuck FICO” attitude is going to cost you hundreds of dollars every month. Add it up over thirty years (or whatever loan term you and the bank agree on - a shady bank like that might give you a balloon mortgage). Your attitude just cost you tens of thousands of dollars.

BUT you get to say you did it all without a credit score. Cool story bro. Fucking BRILLIANT! [/quote]

sounds like a pyramid scheme.

63

Like stated in the gym class thread, they need to teach this stuff in HS. B/C as great as it is to say it should be taught at home, it wasn’t for me.

I had no clue about finances even right out of college.

All I can say, is that Dave Ramsey should be taught in HS or at least college.

Thanks to him my financial world is so much better.

Heck, in college I didn’t pay a utility bill thinking what could be the harm. Collection could be the harm and it took me a while to improve my credit score after that.
No more credit cards, we pay cash for stuff we want.

64

[quote]Paste42 wrote:
…So does this mean I’m stupid for always saving cash to pay for EVERYTHING I buy?

Ok, my house has about 7 years at 4% interest, but I have no truck payment and no children. Should I be using a credit card to make my everyday purchases then paying them off monthly?(serious btw)[/quote]

Keep doing what you’re doing. If you pay cash and already have a mortgage why risk anything with CCs?

btw- people survived just fine before CC were around, and OMgosh they even got mortgages. Granted, you have to go through manual underwriting but it can still be done.

65

[quote]countingbeans wrote:

[quote]kellerdp wrote:
My goal is to have no credit score and just pay for things with cash. The only debt I’m interested in taking out is a home mortgage (in about 5-6 years), but I’ll be working with a company that manually underwrites the loan as opposed to just running a credit score.

Fuck FICO[/quote]

That is a dumb ambition, just saying.

You are fucking yourself.[/quote]

really? why so?

btw- not saying I totally agree in either direction. I tend to lean more towards just “playing their game” and building the FICO.

66

[quote]SteelyD wrote:
Angry Chicken -

Can you expand on exactly what “Reporting Rights”?[/quote]

Everything is negotiable with creditors. They gain nothing by giving you a black mark on your credit report. You (or if you don’t know they system well, an attorney) can actually purchase the debt for pennies on the dollar. Along with said purchase, one of the things you can negotiate are the reporting rights. That means the original creditor no longer can report on the account.

Another trick is that if you have a debt and the original creditor sold it to a collection agency (who attempts to collect it and then can sell it again and again so that you have several collections for the SAME dollar amount and TANKS the shit out of your score), If you send the ORIGINAL CREDITOR a check for the ORIGINAL BALANCE and IF they cash the check, by law under the Fair Credit Reporting Act, ALL of the other companies HAVE to delete all records of the debt from your report.

Another tactic is to demand evidence of the original debt, if they fail to produce it within 30 days, then they have to remove it.

There are literally hundreds of different ways to improve your credit score if you understand the process.

67

[quote]bmn wrote:

[quote]angry chicken wrote:

[quote]kellerdp wrote:
My goal is to have no credit score and just pay for things with cash. The only debt I’m interested in taking out is a home mortgage (in about 5-6 years), but I’ll be working with a company that manually underwrites the loan as opposed to just running a credit score.

Fuck FICO[/quote]

To each his own, but the term “underwrite” means “to determine a borrower’s ability to pay back a loan”. How EXACTLY is a bank going to do that when you haven’t demonstrated the ability to do so? That’s all a credit score is… I’m not saying that there are banks who WON’T do that, but if they do, they are certainly not reselling the loan on the secondary (because no one will buy it without a “FICO”) which means they are portfolioing it themselves which means you’ll probably be paying a MUCH higher interest rate.

Think about it: Borrower A HAS a credit score and has shown that he/she can pay off their debt. Borrower B has nothing. Which borrower is a higher risk to lend 200K to?

Sure there are banks that will do it, but they will MITIGATE that risk by charging you a higher rate. So your “fuck FICO” attitude is going to cost you hundreds of dollars every month. Add it up over thirty years (or whatever loan term you and the bank agree on - a shady bank like that might give you a balloon mortgage). Your attitude just cost you tens of thousands of dollars.

BUT you get to say you did it all without a credit score. Cool story bro. Fucking BRILLIANT! [/quote]

sounds like a pyramid scheme.
[/quote]

Uhhh… how? I don’t see how this resembles a pyramid scheme at all…

68

[quote]jehovasfitness wrote:

[quote]Paste42 wrote:
…So does this mean I’m stupid for always saving cash to pay for EVERYTHING I buy?

Ok, my house has about 7 years at 4% interest, but I have no truck payment and no children. Should I be using a credit card to make my everyday purchases then paying them off monthly?(serious btw)[/quote]

Keep doing what you’re doing. If you pay cash and already have a mortgage why risk anything with CCs?

btw- people survived just fine before CC were around, and OMgosh they even got mortgages. Granted, you have to go through manual underwriting but it can still be done.
[/quote]

LMAO - I just had an epiphany: I now know how professor x feels when people who are tiny and can’t bench press their body weight try to give advice on how to get HYUGE and SWOLE. LOL

FYI - ALL loans are manually underwritten. One of the criteria for selling a loan on the secondary market (in the form of a mortgage backed security) is that it maintain an Approve/Eligible status in whatever AUS you are using (which is determined by who is buying the loan - Fannie, Freddie or Ginnie).

If it does not meet those requirements, the loan will NOT be purchased. The consequences of that are that the loan will sit on the bank’s warehouse line of credit and affect the dollar amount the bank can lend per cycle. It will TOTALLY fuck up that bank’s balance sheet, and if they are forced to buy the loan and don’t have the cash reserves, the bank will CLOSE.

Now SOME lenders are repository institutions as well and can fund a loan directly so they don’t need to sell it (they can keep in in their own portfolio), HOWEVER, the risk to that lender is FAR HIGHER than if the loan is guaranteed on the secondary. This results in a FAR HIGHER interest rate than a loan that is a regular Agency MBS.

Do I need to explain that a higher interest rate equals a higher monthly payment? A higher monthly payment when added up over the term of a loan can add up to tens or hundreds of thousands of dollars that is simply WASTED.

To make a long story short: GET A FUCKING CREDIT SCORE! KEEP IT ABOVE 640 AT ALL COSTS. KEEP IT ABOVE 720 IF AT ALL POSSIBLE.

JF, you are right, people survived just fine before CC’s were around. They DID get mortgages: Balloon mortgages with 20% to 50% down and interest only payments and ten year terms… You really don’t know what you are talking about here. Encouraging someone not to establish credit is bad advice.

69

[quote]Professor X wrote:

[quote]gregron wrote:
if you dont semi regularly monitor your credit you should start.

When i was 20 and signed up for the Navy they did a credit/background check. Came back that I had a warrant out for my arrest in Michigan. I had never been to michigan in my entire life.

I’ve had my account compromised twice before and lost several thousand dollars. Now I’m on top of that shit but it definitely did effect my credit even though those things weren’t me.[/quote]

I can do better than that.

I had Bally’s Preident’s and First Ladies on my credit report which kept me from being able to get an apartment when I first got to Florida in the military.

It turns out, that in high school I had signed up for one of their deal where you train for free for two weeks and then you can buy a membership. I went the two weeks and never went back. I was also underaged. The sales guy had signed me up anyway to a multi-year contract so he could make his quota.

This stayed on my record for years until someone else sued and then they compensated me and erased it…but had I not been stopped from getting an apartment, I would have never known…and they were trying to sue me at first for the money I NEVER OWED.

Had someone else not sued them at about the same time, I would have been stuck in another city with no place to stay.[/quote]

I believe this. Bally’s started collections against me and I’ve never set foot in a Bally’s.

I even got it erased, and then they reported it AGAIN!

70

[quote]angry chicken wrote:

[quote]bmn wrote:

[quote]angry chicken wrote:

[quote]kellerdp wrote:
My goal is to have no credit score and just pay for things with cash. The only debt I’m interested in taking out is a home mortgage (in about 5-6 years), but I’ll be working with a company that manually underwrites the loan as opposed to just running a credit score.

Fuck FICO[/quote]

To each his own, but the term “underwrite” means “to determine a borrower’s ability to pay back a loan”. How EXACTLY is a bank going to do that when you haven’t demonstrated the ability to do so? That’s all a credit score is… I’m not saying that there are banks who WON’T do that, but if they do, they are certainly not reselling the loan on the secondary (because no one will buy it without a “FICO”) which means they are portfolioing it themselves which means you’ll probably be paying a MUCH higher interest rate.

Think about it: Borrower A HAS a credit score and has shown that he/she can pay off their debt. Borrower B has nothing. Which borrower is a higher risk to lend 200K to?

Sure there are banks that will do it, but they will MITIGATE that risk by charging you a higher rate. So your “fuck FICO” attitude is going to cost you hundreds of dollars every month. Add it up over thirty years (or whatever loan term you and the bank agree on - a shady bank like that might give you a balloon mortgage). Your attitude just cost you tens of thousands of dollars.

BUT you get to say you did it all without a credit score. Cool story bro. Fucking BRILLIANT! [/quote]

sounds like a pyramid scheme.
[/quote]

Uhhh… how? I don’t see how this resembles a pyramid scheme at all… [/quote]

buying money so you can buy more money.

i don’t live in america so i couldn’t care.

71

[quote]angry chicken wrote:

[quote]jehovasfitness wrote:

[quote]Paste42 wrote:
…So does this mean I’m stupid for always saving cash to pay for EVERYTHING I buy?

Ok, my house has about 7 years at 4% interest, but I have no truck payment and no children. Should I be using a credit card to make my everyday purchases then paying them off monthly?(serious btw)[/quote]

Keep doing what you’re doing. If you pay cash and already have a mortgage why risk anything with CCs?

btw- people survived just fine before CC were around, and OMgosh they even got mortgages. Granted, you have to go through manual underwriting but it can still be done.
[/quote]

LMAO - I just had an epiphany: I now know how professor x feels when people who are tiny and can’t bench press their body weight try to give advice on how to get HYUGE and SWOLE. LOL

FYI - ALL loans are manually underwritten. One of the criteria for selling a loan on the secondary market (in the form of a mortgage backed security) is that it maintain an Approve/Eligible status in whatever AUS you are using (which is determined by who is buying the loan - Fannie, Freddie or Ginnie).

If it does not meet those requirements, the loan will NOT be purchased. The consequences of that are that the loan will sit on the bank’s warehouse line of credit and affect the dollar amount the bank can lend per cycle. It will TOTALLY fuck up that bank’s balance sheet, and if they are forced to buy the loan and don’t have the cash reserves, the bank will CLOSE.

Now SOME lenders are repository institutions as well and can fund a loan directly so they don’t need to sell it (they can keep in in their own portfolio), HOWEVER, the risk to that lender is FAR HIGHER than if the loan is guaranteed on the secondary. This results in a FAR HIGHER interest rate than a loan that is a regular Agency MBS.

Do I need to explain that a higher interest rate equals a higher monthly payment? A higher monthly payment when added up over the term of a loan can add up to tens or hundreds of thousands of dollars that is simply WASTED.

To make a long story short: GET A FUCKING CREDIT SCORE! KEEP IT ABOVE 640 AT ALL COSTS. KEEP IT ABOVE 720 IF AT ALL POSSIBLE.

JF, you are right, people survived just fine before CC’s were around. They DID get mortgages: Balloon mortgages with 20% to 50% down and interest only payments and ten year terms… You really don’t know what you are talking about here. Encouraging someone not to establish credit is bad advice.
[/quote]

I’ll give it to you that you know more than me, you saying you know more than Dave Ramsey? If we’re going by how well one is doing, I’d rather listen to the advice of a man that benches 600 than 500 :wink:

72

[quote]jehovasfitness wrote:

[quote]angry chicken wrote:

[quote]jehovasfitness wrote:

[quote]Paste42 wrote:
…So does this mean I’m stupid for always saving cash to pay for EVERYTHING I buy?

Ok, my house has about 7 years at 4% interest, but I have no truck payment and no children. Should I be using a credit card to make my everyday purchases then paying them off monthly?(serious btw)[/quote]

Keep doing what you’re doing. If you pay cash and already have a mortgage why risk anything with CCs?

btw- people survived just fine before CC were around, and OMgosh they even got mortgages. Granted, you have to go through manual underwriting but it can still be done.
[/quote]

LMAO - I just had an epiphany: I now know how professor x feels when people who are tiny and can’t bench press their body weight try to give advice on how to get HYUGE and SWOLE. LOL

FYI - ALL loans are manually underwritten. One of the criteria for selling a loan on the secondary market (in the form of a mortgage backed security) is that it maintain an Approve/Eligible status in whatever AUS you are using (which is determined by who is buying the loan - Fannie, Freddie or Ginnie).

If it does not meet those requirements, the loan will NOT be purchased. The consequences of that are that the loan will sit on the bank’s warehouse line of credit and affect the dollar amount the bank can lend per cycle. It will TOTALLY fuck up that bank’s balance sheet, and if they are forced to buy the loan and don’t have the cash reserves, the bank will CLOSE.

Now SOME lenders are repository institutions as well and can fund a loan directly so they don’t need to sell it (they can keep in in their own portfolio), HOWEVER, the risk to that lender is FAR HIGHER than if the loan is guaranteed on the secondary. This results in a FAR HIGHER interest rate than a loan that is a regular Agency MBS.

Do I need to explain that a higher interest rate equals a higher monthly payment? A higher monthly payment when added up over the term of a loan can add up to tens or hundreds of thousands of dollars that is simply WASTED.

To make a long story short: GET A FUCKING CREDIT SCORE! KEEP IT ABOVE 640 AT ALL COSTS. KEEP IT ABOVE 720 IF AT ALL POSSIBLE.

JF, you are right, people survived just fine before CC’s were around. They DID get mortgages: Balloon mortgages with 20% to 50% down and interest only payments and ten year terms… You really don’t know what you are talking about here. Encouraging someone not to establish credit is bad advice.
[/quote]

I’ll give it to you that you know more than me, you saying you know more than Dave Ramsey? If we’re going by how well one is doing, I’d rather listen to the advice of a man that benches 600 than 500 :wink:

[/quote]

I think Dave Ramsey would be embarassed to see you arguing for him in such a manner right now.

Be thankful you aren’t being charged billable hours for AC’s posts.

73

[quote]bmn wrote:

[quote]angry chicken wrote:

[quote]bmn wrote:

[quote]angry chicken wrote:

[quote]kellerdp wrote:
My goal is to have no credit score and just pay for things with cash. The only debt I’m interested in taking out is a home mortgage (in about 5-6 years), but I’ll be working with a company that manually underwrites the loan as opposed to just running a credit score.

Fuck FICO[/quote]

To each his own, but the term “underwrite” means “to determine a borrower’s ability to pay back a loan”. How EXACTLY is a bank going to do that when you haven’t demonstrated the ability to do so? That’s all a credit score is… I’m not saying that there are banks who WON’T do that, but if they do, they are certainly not reselling the loan on the secondary (because no one will buy it without a “FICO”) which means they are portfolioing it themselves which means you’ll probably be paying a MUCH higher interest rate.

Think about it: Borrower A HAS a credit score and has shown that he/she can pay off their debt. Borrower B has nothing. Which borrower is a higher risk to lend 200K to?

Sure there are banks that will do it, but they will MITIGATE that risk by charging you a higher rate. So your “fuck FICO” attitude is going to cost you hundreds of dollars every month. Add it up over thirty years (or whatever loan term you and the bank agree on - a shady bank like that might give you a balloon mortgage). Your attitude just cost you tens of thousands of dollars.

BUT you get to say you did it all without a credit score. Cool story bro. Fucking BRILLIANT! [/quote]

sounds like a pyramid scheme.
[/quote]

Uhhh… how? I don’t see how this resembles a pyramid scheme at all… [/quote]

buying money so you can buy more money.

i don’t live in america so i couldn’t care.[/quote]

No, but it’s ignorant not to know how secondary markets work sense likely your retirement fund has some secondary mortgages in it.

A bank makes a loan on behalf of someone, or themselves to someone who requests a loan. The original holder of the loan wants hard cash instead of the loan on their portfolio, so they put the mortgage (usually in a bundle) on a secondary market where others can buy it usually at a discount for the interest and principle.

Think of it like this, you build an apartment complex and instead of the real estate you want cash, so you put the real estate on a secondary market and someone buys it and now the secondary owner gets the principle (or equity) and interest (or rent) instead of you. The tenets (or the person who took out the loan) still pay as they did, but they pay it to you. If that is a pyramid scheme, every single business in the world is pretty much a pyramid scheme.

74

[quote]jehovasfitness wrote:

I’ll give it to you that you know more than me, you saying you know more than Dave Ramsey? If we’re going by how well one is doing, I’d rather listen to the advice of a man that benches 600 than 500 :wink:

[/quote]

I’m not saying I know more than anybody. I do know mortgage and I do know that credit markets are STILL contracting. Banks are putting more overlays and more restrictive guidelines every month. I know that if you want to get an interest rate on your mortgage that is consistent with the market you need to have a good credit score. Given that a home is the largest purchase that MOST people make and the difference in even a single percentage in the rate can translate in to a shit-ton of money, I think it would behoove MOST people to do what they can to protect/build a good credit score. To imply otherwise is simply wrong. If Dave Ramsey said that you should NOT protect/build your credit, then HE is wrong.

I think what is far more likely is that you are misunderstanding something he said or taking it out of context. If you are applying this bad information to your OWN life and your OWN financial decisions, then I can only say good luck wit dat. But when you start passing on this bad information on a public forum and pass on your misunderstanding as “gospel” from Dave Ramsey, then I am obligated to challenge your belief. It really isn’t personal, but I believe you are giving bad advice without understanding what you are talking about. There’s no shame it that, finance is a VERY complex field of study with many layers - even EMOTIONAL ones.

I don’t know what Dave Ramsey teaches. I have not taken any of his courses as my personal finances completely under control. But if he says to ignore your credit score and buy everything with cash, then I would caution you to do so at your peril. From what I could see from his website, it appears his specialty is educating people who have gotten into trouble and accumulated massive credit card debt. Cutting up your credit cards and taking a break from using credit until one is able to control one’s impulsive behavior MAY be a valid strategy to “stop the bleeding”. But it is hardly a credible long term strategy.

If you’d like to continue the discussion, please link to where Mr. Ramsey supports your assertions. Again, I have no problem with what YOU do with YOUR finances, just don’t pass along information that you don’t fully understand.

Here’s a pile of cash :slight_smile: That’s what you’ll need to buy a house if you neglect your credit. LOL

75

it’s all good man. I play the game and have FICO scores in the upper 700s. when in doubt play their game, but be careful about it.

I’m like a fat chick dieting at a birthday party if I try to “use credit cards wisely”.

as far as his teachings, I’m not saying I totally agree with all his points. But, at least as of 2 yrs ago, he was saying that FICO is only “an I love debt score” and an ideal score is 0. That with 2 yrs of checks showing rent along with a steady income is all one needs to secure a mortgage without being raped on interest.

Again, I do think building a great FICO will help and my wife and I have done so. The poster I was quoting said he always pays cash and IIRC already has a mortgage. so, why should he get CCs?

76

[quote]jehovasfitness wrote:
it’s all good man. I play the game and have FICO scores in the upper 700s. when in doubt play their game, but be careful about it.

I’m like a fat chick dieting at a birthday party if I try to “use credit cards wisely”.

as far as his teachings, I’m not saying I totally agree with all his points. But, at least as of 2 yrs ago, he was saying that FICO is only “an I love debt score” and an ideal score is 0. That with 2 yrs of checks showing rent along with a steady income is all one needs to secure a mortgage without being raped on interest.

Again, I do think building a great FICO will help and my wife and I have done so. The poster I was quoting said he always pays cash and IIRC already has a mortgage. so, why should he get CCs?[/quote]

THREE years ago (or so) he would have been correct. Hell, there were “NINJA” loans back then (No Income, No Job, No Assets). But you STILL would have paid a higher interest rate if you had a “zero score” than someone with a 720. So I guess I’m going to have to go on record saying that he’s full of shit. Nowadays if you follow that advice you very likely will not get approved for a mortgage without a very large down payment and substantial compensating factors. So can we agree on that? That the information is “dated”? (at best)

As for why I think the poster with the existing mortgage should do what it takes to make sure he has good credit, the answer is simple: LIFE HAPPENS. What if he has to move? What if he has an emergency and needs to take a loan? What if he applies for his dream job but doesn’t get it because he has no credit? There are a HUNDRED scenarios where having a good credit score can be helpful.

If you have an issue with being responsible with credit, that’s YOUR issue. I would hesitate before I projected that onto others… Having credit is not a “risk” if you are responsible. It can really help you leverage your money effectively and keep your cash generating interest for as long as possible FOR YOU.

That’s my .02 and I hope you don’t take offense from what I wrote. I would submit for your consideration getting a perspective OTHER than Dave Ramsey.

77

Damn…and here I thought I was the only one who had to deal with this. I mean, even down to the name dropping of outdated info gotten second hand. I would hope most here aren’t like this in real life where you completely ignore what someone skilled and experienced is saying based on what someone read somewhere when they DON’T have the education/experience to back up their opinion.

78

[quote]Professor X wrote:
Damn…and here I thought I was the only one who had to deal with this. I mean, even down to the name dropping of outdated info gotten second hand. I would hope most here aren’t like this in real life where you completely ignore what someone skilled and experienced is saying based on what someone read somewhere when they DON’T have the education/experience to back up their opinion.[/quote]

X you work in the real world as a medical provider. What is the percentage of your patients in real life follow exactly what you tell them to do in regards to their health?

Myself after doing it for 20 years in medicine, people in large part are fucking arrogant, lazy and stupid. And 90% of these types are having the most kids.

79

[quote]DJHT wrote:

[quote]Professor X wrote:
Damn…and here I thought I was the only one who had to deal with this. I mean, even down to the name dropping of outdated info gotten second hand. I would hope most here aren’t like this in real life where you completely ignore what someone skilled and experienced is saying based on what someone read somewhere when they DON’T have the education/experience to back up their opinion.[/quote]

X you work in the real world as a medical provider. What is the percentage of your patients in real life follow exactly what you tell them to do in regards to their health?

Myself after doing it for 20 years in medicine, people in large part are fucking arrogant, lazy and stupid. And 90% of these types are having the most kids. [/quote]

The ones who want to be healthy, listen…so I would say a very small percentage listen. The rest just wait for bad things to happen and in the meantime, wish they don’t.

It just irks me that we see this not only in bodybuilding but this topic as well. AC has dropped a lot of knowledge here…yet the reaction is to act like he went to school for nothing and that some guy who wrote a book knows way better even though the info is outdated.

It’s the same shit as saying “shrugs will get you huge fucking traps” and then some newb ranting about how he and his 130lbs body do rackpulls because insert author said they work better.

80

[quote]Professor X wrote:

[quote]DJHT wrote:

[quote]Professor X wrote:
Damn…and here I thought I was the only one who had to deal with this. I mean, even down to the name dropping of outdated info gotten second hand. I would hope most here aren’t like this in real life where you completely ignore what someone skilled and experienced is saying based on what someone read somewhere when they DON’T have the education/experience to back up their opinion.[/quote]

X you work in the real world as a medical provider. What is the percentage of your patients in real life follow exactly what you tell them to do in regards to their health?

Myself after doing it for 20 years in medicine, people in large part are fucking arrogant, lazy and stupid. And 90% of these types are having the most kids. [/quote]

The ones who want to be healthy, listen…so I would say a very small percentage listen. The rest just wait for bad things to happen and in the meantime, wish they don’t.

It just irks me that we see this not only in bodybuilding but this topic as well. AC has dropped a lot of knowledge here…yet the reaction is to act like he went to school for nothing and that some guy who wrote a book knows way better even though the info is outdated.

It’s the same shit as saying “shrugs will get you huge fucking traps” and then some newb ranting about how he and his 130lbs body do rackpulls because insert author said they work better.[/quote]

I was 18 years old and got my Respiratory therapy state license, I graduated at 17.

I was amazed at the number of actual respiratory therapist who smoke, we would go from suctioning out an ET tube on a ventilated COPD patient to these guys smoking outside. Just blew me away.

Old nurse friend of mine always said “Denial it aint just a river in egypt”.

Plus we have job security like no other, if everyone actually brushed twice a day, flossed twice a day you would be out of a job.