Liberal Forum

JohnnyYou » 04 Dec 2025, 6:00 pm » wrote: ↑

04 Dec 2025, 6:00 pm

I had no idea you were geriatric class.   Your knowledge level looks like you aren't over 35 on your posts here.

Gee, what a surprise to learn that ignorant Democrats always think they're the smartest people in the room.
For your information, I've received an excellent education and have used that to build a career as the owner of 5 different successful businesses and earned several awards for my work as well as substantial wealth despite being disabled for the last several years of my career.

Care to compare your career to mine?
 

Zeets2 » 05 Dec 2025, 11:19 am » wrote: ↑

05 Dec 2025, 11:19 am

Gee, what a surprise to learn that ignorant Democrats always think they're the smartest people in the room.
For your information, I've received an excellent education and have used that to build a career as the owner of 5 different successful businesses and earned several awards for my work as well as substantial wealth despite being disabled for the last several years of my career.

Care to compare your career to mine?

But you don't qualify for an Amex...

JohnnyYou » 04 Dec 2025, 5:52 pm » wrote: ↑

04 Dec 2025, 5:52 pm

Is your brain as smooth as Trump's on your MRI?

I wouldn't know, never having had one on my head.
Was yours found to be as empty as I would suspect?
 

Blackvegetable » 05 Dec 2025, 11:20 am » wrote: ↑

05 Dec 2025, 11:20 am

But you don't qualify for an Amex...

Not true.
After I canceled my account with Amex, I've received numerous offers to join again including offers for their Platinum card, all of which have ignored as a result of their refusal to reverse a $200 phony business charge which I've refused to pay and never will.  That decision has cost Amex several hundred thousand dollars in lost business over my business career and I've been happy to give that business to Visa instead.  Despite their actions, my credit rating is in the 900's.

Yours?

 

Zeets2 » 05 Dec 2025, 11:32 am » wrote: ↑

05 Dec 2025, 11:32 am

Not true.
After I canceled my account with Amex, I've received numerous offers to join again including offers for their Platinum card, all of which have ignored as a result of their refusal to reverse a $200 phony business charge which I've refused to pay and never will.  That decision has cost Amex several hundred thousand dollars in lost business over my business career and I've been happy to give that business to Visa instead.  Despite their actions, my credit rating is in the 900's.

Yours?

Zeet, you **** yutz..

FICO maxes out at 850.
 

Blackvegetable » 05 Dec 2025, 11:37 am » wrote: ↑

05 Dec 2025, 11:37 am

Zeet, you **** yutz..

FICO maxes out at 850.

Wrong again, dickweed.  Fact is, I don't think I've ever had the need to even check my score for probably 40 years or more.  I assume the 900 score is for industrial business accounts, which mine was.

The 900 Limit: Industry-Specific FICO Scores
Credit card issuers and auto lenders are two examples of the industries for which industry-specific FICO scores are intended. These scores, which go from 250 to 900, are meant to forecast the chance that a customer will miss payments on a specific kind of account.Depending on the type of scoring model, a 900 credit score is possible. While the most common FICO and VantageScore models only go up to 850, the FICO Auto Score and FICO Bankcard Score models range from 250 to 900.
[url]http://FICO Credit Scores: Demystifying the 850 and 900 Limits May 29, 2024 by Bella Mertz[/url]

 
 

Zeets2 » 05 Dec 2025, 12:10 pm » wrote: ↑

05 Dec 2025, 12:10 pm

Wrong again, dickweed.  Fact is, I don't think I've ever had the need to even check my score for probably 40 years or more.  I assume the 900 score is for industrial business accounts, which mine was.

Are these your words?

Despite their actions, my credit rating is in the 900's.

 

Zeets2 » 05 Dec 2025, 12:10 pm » wrote: ↑

05 Dec 2025, 12:10 pm

Wrong again, dickweed.  Fact is, I don't think I've ever had the need to even check my score for probably 40 years or more.  I assume the 900 score is for industrial business accounts, which mine was.

Fact is, I don't think I've ever had the need to even check my score for probably 40 years or more. 

Because you NEVER applied for a credit card, took out a mortgage, or leased those Lincolns...

Blackvegetable » 05 Dec 2025, 12:22 pm » wrote: ↑

05 Dec 2025, 12:22 pm

Because you NEVER applied for a credit card, took out a mortgage, or leased those Lincolns...

Another lie you couldn't possibly have any clue about.  I've got at least a half dozen credit cards and use them all regularly, but most with my two Visa cards.
I bought my first home with a mortgage, bought a vacation home with a mortgage, and have bought several cars over the years with either a lease or a low-rate loan promotion from the dealer.  I've had several business loans, including one to purchase my 45,000 sq. ft. factory building, and all have been paid off.  My newest home I purchased for cash almost two years ago for half a million without a mortgage when I semi-retired.  Obviously, you've never been qualified for anything near the size of the business loans I've taken in the past, and paying them off either early or on time is how your credit rating reaches the level I'm at.

If I had to guess, you're probably still paying off the loan on that 20+ year old piece of junk VW sitting on your lawn!    
 

Blackvegetable » 05 Dec 2025, 12:20 pm » wrote: ↑

05 Dec 2025, 12:20 pm

Are these your words?

Here are a couple of pre-approved offers that I just got this morning and I get others just like them every week:

You're pre-approved
Final approval subject to additional terms

Avant® Cashback Rewards
Mastercard®
Ongoing APR: 29.99%*Rewards: 2% (Cash back)Annual fee: $0* 

Delta SkyMiles® Platinum American Express Card
Intro bonus: Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.Ongoing APR: 19.74%-28.74% VariableRewards: 1x-3x (Miles per dollar)Annual fee: $350
 
 

Zeets2 » 05 Dec 2025, 1:02 pm » wrote: ↑

05 Dec 2025, 1:02 pm

Another lie you couldn't possibly have any clue about.  I've got at least a half dozen credit cards and use them all regularly, but most with my two Visa cards.
I bought my first home with a mortgage, bought a vacation home with a mortgage, and have bought several cars over the years with either a lease or a low-rate loan promotion from the dealer.  I've had several business loans, including one to purchase my 45,000 sq. ft. factory building, and all have been paid off.  My newest home I purchased for cash almost two years ago for half a million without a mortgage when I semi-retired.  Obviously, you've never been qualified for anything near the size of the business loans I've taken in the past, and paying them off either early or on time is how your credit rating reaches the level I'm at.

If I had to guess, you're probably still paying off the loan on that 20+ year old piece of junk VW sitting on your lawn!  

All of that without ever knowing your FICO score?

Zeets2 » 05 Dec 2025, 1:11 pm » wrote: ↑

05 Dec 2025, 1:11 pm

Here are a couple of pre-approved offers that I just got this morning and I get others just like them every week:

You're pre-approved
Final approval subject to additional terms

Avant® Cashback Rewards
Mastercard®
Ongoing APR: 29.99%*Rewards: 2% (Cash back)Annual fee: $0* 

Delta SkyMiles® Platinum American Express Card
Intro bonus: Earn 60,000 Bonus Miles after you spend $3,000 in eligible purchases on your new Card in your first 6 months of Card Membership.Ongoing APR: 19.74%-28.74% VariableRewards: 1x-3x (Miles per dollar)Annual fee: $350

PedoStool gets the same mailings...

Blackvegetable » 05 Dec 2025, 2:03 pm » wrote: ↑

05 Dec 2025, 2:03 pm

All of that without ever knowing your FICO score?

That's right!  Once you're at the top level and have had nothing detrimental on record, why would I need to keep looking at it?
If I was ever denied a loan or any card I ever applied for, there's no reason to waste my time checking it, is there?  I'll admit that I didn't even know that FICO now caps most at 850 until you stated that.  Irrelevant for me, but interesting just the same.  

So, have any of YOUR banker reps ever taken you out to lunch or dinner attempting to assess your future loan needs as mine have in order to remain in my favor?
 

Blackvegetable » 05 Dec 2025, 2:05 pm » wrote: ↑

05 Dec 2025, 2:05 pm

PedoStool gets the same mailings...

No doubt that MANY people with great credit get them all the time.
Isn't it funny though, that you didn't include yourself?  Apparently, your credit is worse than someone named "Pedostool", whoever that is!
Must be just racism, I'll bet, huh?    
 

Zeets2 » 05 Dec 2025, 11:22 am » wrote: ↑

05 Dec 2025, 11:22 am

I wouldn't know, never having had one on my head.
Was yours found to be as empty as I would suspect?

I hve no hydrochephalus.  There is a stroy of a guy with 90% of his brain dissolved.  IQ 80 lived a normal life. Made people wonder how brains work that a guy could function with empty space in there.

Billy Joel has it.   It is not going well for him,.  I heard a rumor Trump may have had a cavity found.
 

Zeets2 » 05 Dec 2025, 11:19 am » wrote: ↑

05 Dec 2025, 11:19 am

Gee, what a surprise to learn that ignorant Democrats always think they're the smartest people in the room.
For your information, I've received an excellent education and have used that to build a career as the owner of 5 different successful businesses and earned several awards for my work as well as substantial wealth despite being disabled for the last several years of my career.

Care to compare your career to mine?

No, I don't have that much success.. Kudos.   Your still dumb as dirt to support Trump and MAGA..  What was your business?  Money Laundering or something?

Prius runs off gas.
 
 

JohnnyYou » 05 Dec 2025, 3:07 pm » wrote: ↑

05 Dec 2025, 3:07 pm

No, I don't have that much success.. Kudos.   Your still dumb as dirt to support Trump and MAGA..  What was your business?  Money Laundering or something?

Prius runs off gas.

I had a manufacturing plant I started in in 1972 that was doing over $1.1 million in sales by my third year.  I then bought the building I was renting in order to triple the size of my operation and began my real estate holding company with that purchase.  Many years later I obtained a variance to convert my factory into low income apartments and took a position offered me by one of my suppliers who I partnered with later in two other businesses and a third one I started up alone that was an off-shoot of one that helped enhance the sales of one of those other two, which became my most profitable business of the five, even as it ended in 2021 due to the Covid pandemic.  I was most recently asked to come out of retirement to help one of my partners start up another new company, although my health limits me to working only a few hours a week right now, but it's very interesting work that should become quite profitable by next year.  And my experience has taught me that the Republican party economics has been far more beneficial in the years they've controlled the presidency and the Congress, while Democrats have have not only been detrimental to my business, but to many of my employees who have suffered immensely as a direct result of Democrat policies like Obamacare.

Now tell me.  Doesn't the Prius have an electric motor that also enables you to drive it without using gas?
 

JohnnyYou » 05 Dec 2025, 3:05 pm » wrote: ↑

05 Dec 2025, 3:05 pm

I hve no hydrochephalus.  There is a stroy of a guy with 90% of his brain dissolved.  IQ 80 lived a normal life. Made people wonder how brains work that a guy could function with empty space in there.

Billy Joel has it.   It is not going well for him,.  I heard a rumor Trump may have had a cavity found.

It won't be something I'll ever learn about.  Can't have an MRI any longer since I needed a pacemaker inserted a couple of years ago.
 

Blackvegetable » 05 Dec 2025, 11:04 am » wrote: ↑

05 Dec 2025, 11:04 am

Run.

from what, "no original thoughts"?

eveyone knows the only **** posted by you is either c/p or plagiarized...
 

ROG62 » 05 Dec 2025, 5:26 pm » wrote: ↑

05 Dec 2025, 5:26 pm

from what, "no original thoughts"?

eveyone knows the only **** posted by you is either c/p or plagiarized...

How do you "know" this?