Cash or Credit?

" One 8774694322. 18774694322. You'll Laffer Curve. No more of -- more cut taxes the more. The don't tax revenues are supposed to go up because people have less reason to cheap they work Carter. They got the art Laffer is -- on and so on Fox News Channel right now. It's it's gotta be like 6570 years old give us here is completely blocked. What I don't -- the -- people just don't let their -- go go great. Like I've done for instance. To mature -- I am a -- excuse -- used to be I EI am -- used to have brown here now I want there that's the way but that's the way ghost. One match in line. -- line right 18774694322. That is that -- I would never I would never what I want to what I do want to do that -- it's too late now when you know people -- my -- for a new version or formula continued Darden gradually. How how can. How little after being out all that did not have a single why here in his hit -- had immediately. It looks like -- and it looks like he's wearing a black wig. It could be a black -- guy supposed I think it's a dye job. Why and I -- think the guy seriously anymore I'm sorry just because of his -- 187746. You can find any. I'll find some in the next break. 1872. By the way thanks to war and how little -- say -- brought us a great spread as they always do it's Boston's premier. Asian dining experience. There on I want one north and sawgrass in -- it's good food every Tuesday night we appreciate it. However it today they forgot they had neglected to bring in any songs so I sent a junior and he couldn't find any. I think there are prongs or there's some kind of just does some kind of implements in the cafeteria scene of the then. They're not particularly clean but that's what we gotta sink for. All right 187740. Thanks a -- to get for every and in the spread 18774694322. That is the toll free number of by Howie -- show. -- a lot of complaints lately. In the -- in among people who have credit cards. About the fact that the interest rates have gone up on the credit card so. Now the the members of congress the so -- and so the people who brought you the sub prime. Mortgage. Disaster have stepped forward again I was just talking about the senior senator from Connecticut Chris Dodd. Chris Dodd has teamed up. With the -- people Chuck Schumer. To try to crack down on banks and the fact that they've raised the interest rates. And you know my feeling about -- is this is that. I would rather have the government not help me you know I don't want the government to help me I I've gotten to a point where. I don't. Spend any more money though right that I can paid down Tenet in a single month by annoyed do well to him. It's it's easier for me to pay down my credit card bills. But it's ridiculous. To what to put yourself into this thing in this situation where you're you're paying big I mean interest. Of twenty some odd percent. But I know people who get into trouble with credit cards so I think we with two women talked about this for a while or talk about the it people how you use your credit cards. They say now to the people using. There -- there making no more purchases with. Using debit cards to credit cards is the first time in history that this has happened. I stump stored debit side that never really gotten in the debit cards just either use cash or use use credit cards I cannot I cannot believe go to store how many people IC not paying cash I mean and and I understand you know you be my you know a hundred bucks worth of stuff there are fifty and fifty bucks you know cape pay with a credit card. -- will pay him like toy box. To box in the without a debit card or credit card it's ridiculous it's just absurd. 18774694322. And used debate. There was just kids should get a young kids. And then it -- but now. I see alzheimer's don't act the same thing nobody uses cash anymore. But they waited do you indeed was -- do you want up big bills in your credit card you have to worry about did you have to worry about this or do you love. What are you pay it off every month I I wasn't. Fascinated by the fact that they -- the credit card companies if you pay off your bill every month the whole total. They call you a deadbeat. I guess from their perspective you -- because there are making any money -- a few although they and they do charge UV some some credit card companies charge in the annual say. And you know you don't judge -- could switch. But then if you have it if if you have bills are automatically paid for about a year by your credit card than you have to worry about. You know the changing it over and may be unanimous Juan. And if you if you have fast pass on the Mass Turnpike which I don't have obviously can I hate it. And I hate the turnpike but some people I think have had situations where they switched over to their credit card the the they couldn't get the the did the money okayed and so they then they suddenly get in that getting yet. They're they're they're fast passes no good in the end up getting these fifty -- hundred dollar tickets. 18774694322. How are you using your credit Carty and a lot of people switch from around a lot big to get the lower interest rates I guess that's 11 not. One option here as you deal with higher rates. I was field -- you know first thought Chris Dodd one of -- Chris Dodd if he helps out the credit card industry the way he and Barney Frank. Helped out the mortgage industry. Then it's going to be. Prohibitively expensive to have any kind of credit card very shortly. Fill up your next with how we cargo ahead fill up."

" A half hours. A -- up my credit card and right and that's my opponent got -- I got a credit. So they already like forty -- saw band aid if they if they give me the same it -- My money. That they charged. Because -- 70% higher next month."

" Appetite dog. -- just tell you what apple might see is got a real quick. I don't know what you might -- guys three years because they're it was very it was insane it was like 18% of whatever eight quite -- never used it. So finally. After caught a few times they drop that not at ten point 20 which is great I don't use it occasionally but very rarely so I opened up -- bill. Yesterday. My latest statement and it went that 220%. -- cap I got credit that's like in the midst 700 great -- like call Bob. And I got -- to this lady about it she says -- credit specialist Scioscia puts wellness specialist. And I followed that not only am -- gonna cancel my tried. But I'm going to boycott C does. Guess where my credit my great -- to captain."

" What want to go to act -- ten point so I just saw the -- squeaky wheel gets the grease rays thought so prevalent elicited. How you're gonna boycott -- not just can't sleep -- they'll change it if you got good credit spectrum you have Jodi you have -- you'll see on the Sears card. Yeah it's like forty bucks a summit has brought in -- maybe you'd see what zoologist statement."

" GAAP and how we did the map so that if Japan in 19% you save fifty bucks if you're not save enough that I would -- I would throw whatever was on my -- one or by Bank of America but -- try this stop to. They call it it's a good credit people like myself -- Jack in an -- Collect 20% of the bugle call of what our bottom that's what's not at -- a -- try to make up lost ground for all the bums out there that don't want to pay their bills."

" Right exactly enemy and the other thing is thanks thank you Joe and and the fact is you know one -- mode Chuck Schumer and Chris Dodd get involved trying to help you. You know the price you know the price is only going to go up it's like you know it's like PG a workshop about health care if you think health care's expensive now Whittle its freight. Same and I -- same -- credit cards and getting help from that but the congress Mandy you're next with how we cargo ahead Manny."

" How are investing every -- dead American Express. I can't afford it -- put it out plain and simple."

" American Express -- you don't really what do they used to be there I mean they can they have this I'd I think. My American Express card they may have the same thing the minimum payments now don't play."

" Yeah that's that's the way to do what I mean would you you know then again you're dead -- what they call a deadbeat manic. Very not know right then awaken any money off you except for the annual sage."

" Whenever he had a credit parasites you -- like QI don't stay on trying to completely -- you get those phone calls saying hey we're not to happen without what you're doing as a sort of great interest."

" Yeah I yeah I don't. When they come when you get the letter we have some good news for you Manny you could now write your credit card bill up to 35000. Dollars an hour all while that's a two million. I can get it over my dad -- but."

" Earlier -- I don't know yeah. Kelly you know we're going to get from them."

" Thanks for the call -- it. And and Dan DeAngelo one of the boys from the north and died on Sunday night that was what I was going over the some of the transcripts you know when they recorded him and his Brothers Jerry and Frankie the cat hmm. Mikey all arrest of Norman meant -- and you know. Did the doghouse in the early 1980s. Just I thought my building our call lot of that but Danny was kind of a -- if not most colorful as Jerry. But there's a there's a great death. It is it is agreed that trig script I had no idea remember sought again last night this guy Yahoo! who -- he would Jerry Jerry was a loan shark Jerry Angelo in addition to being the under -- the -- in the top -- in the city. He was alone that's -- of course of urine to make and you become a loan shark that's how it works. You have to be. So he had this guy who was on the hook. To him for thirteen thousand dollars. And one of brother Brothers comes in 1 morning into the doghouse and says. Jerry got some bad and Jerry get some bad news for you you know why Joe Joe we judge Joe we Jones died last night. And Jerry goes."

" Joey -- can be bad and."

" He also referred -- thousand box."

" Sorry Jerry he's dead even though we ocean the -- your next with how we cargo ahead Ernie."

" Sir oratory abrupt failure for America yes. Are there you -- But I got them. Why -- the only what are they evil do already here at Norris gender. The voice Shea -- the witness protection program of -- car show go ahead no one will recognize -- Although what is it on CME -- nearly the witness protection program -- go ahead. There it is it's on now are you you have love -- plead immune they had no one will be able -- going to our."

" We're really good news it's. Wrong. I figured out division and they gave me a thousand dollar credit limit yeah I'm broke bread yeah. Oh okay."

" You're broke you're lucky they didn't give it 10000 dollars."

" Yeah I actually until I learned out of them right yeah. Basically Bank of America or give me 500 dollars three. And that makes you are and I told me never -- America again."

" Boy that's some good you got some nosy when you're unemployed. What are -- are. Mine yeah well it's a long story urination is just look up on looked up on Google and -- you couldn't figure it out it's say it's too complicated to go in there right now. But it's he said some nasty things about that my wife. Thanks for the caller -- 18774694322. Gary your next with Howie Carr go ahead Gary."

" Take care one doesn't know -- plea -- and I got -- when you say vest. They credit card companies -- they can anybody and you -- to pay your bill is not true. They screwed the merchants and real souped 0% offer them for every transaction their regular money."

" Right. And that's why some places won't take American Express right."

" So they charge more -- even more. My other gripe is you know when they were our complain about your company and all the windfall profits that are vacant when they're pressed again actually doubles. -- and there ever talked about the credit card companies. We've doubled their profits on gasoline and they didn't do anything. At least the oil companies were producing some of these guys just stood out there. -- 2% from the merchants and doubled it. And they do anything talk about a windfall profits."

" Well he you know the difference is that the these the guys in the work of the oil companies tend to be from Texas and they probably vote Republican and Louisiana. And the guys who work for the banks are people like Robert Rubens who used to be Clinton's Treasury Secretary and he jets around working for Citibank curry did. Making what over a hundred million dollars and ten years. And just -- doing absolutely nothing about the the banks. Imminent collapse and now you and I Guerrier bail amount. Married. Two wonderful life is -- your banker. Thanks for the call. 18774694322. Stress tests all the stress all we week we're gonna do just fine on the stressed that essentially keeps I have to. Paul you're next with Howie -- go ahead Paul."

" They definitely don't. Did you bring it wouldn't say my credit I had never updated sentiment threatened."

" Really that's pretty good organic. Cash is king yeah that's that's an old fashioned way to look at it Paul and I got you aren't they can't track it back."

" Well you got number -- you know checking account we got no paper trail and number two particular particular not good yeah. Not a kid at the -- today without a computer."

" No we can't not only they get together some track where the computer from what I can -- Paul. You know why they're I know I I used to know the only guys they were -- didn't have checking accounts were politicians. Dapper -- never have a checking account. Wish land he may have one now but he never had once he used it out and pay is electric bill at the you really had -- they had offices in every neighborhood."

" That's what I knew that -- cabinet you are manipulated and prep -- you blew up breakdown no women and within five minute."

" 10 that's how we did that must be a pretty deserted. Office right about now though isn't it all right."

" The government of Iraq cannot only go back. -- you never have it's how all you Paul proper. Probably it inherited it 69 and you never had this just to account ahead that I haven't haven't orbit thirtieth while. That's amazing retrograde you know if you'll let us and -- right Hispanic look at how we don't -- It never did that stuff that's going on what people write and always got somebody get in there and -- I think that chip and noticed there was -- happened a lot to get on your credit credit back information about why don't you get over the Internet."

" you know -- jump on the Internet ought to you know I mean these these this fishing stuff for me this stuff fortunately I mean you spotted after awhile and attention by the you know -- I think a lot of people in spite of the warnings they still get bagged you know."

" Only do what reputable reputable companies."

" I mean they say Bank of America has an announcement you know and then you say but I don't but I got left Bank of America a long time ago but if you have if you wife had a Bank of America county weren't paying very close attention knew who you might get you might get blocked."

" You hit it hit. I spend what you don't have power that the look at."

" Yeah but you're right thanks to a call call 18774694322. James Michael -- former governor and mayor of the city of Boston he went to prison twice over the course of a long career in politics. And he he had a he had we had a number children retold his son frank who was a jesuit priest for a while on the left he said. Says frank never have a checking account. I don't think I even need to explain why do -- When not if you're James Michael Curley didn't need to explain why. GM your next with Howie Carr go ahead jump."

" They'll go -- and don't -- audio listeners the first the lost the first call take a look at the back it is this credit cards a lot of those. The debt structure at all my -- back and not serious cuts are there really is Citibank us. Did. Citibank is the most people. -- government company in the face severe. They -- whoever -- to go we were unable saw make up payments based are not illness. We have purchased insurance to about fourteen bucks a long time in the -- All -- are still while lots of problems employment -- that they would cover the minimum balance and they brought about. -- refused on three different occasions to except double our original -- what we all of them yeah. Would negotiate we actually had to get a lawyer to get them to negotiate. In less subtlety up if I was Citibank's."

" feel when you read about another run ten billion or twenty billion going to Citibank."

" Great I'm not -- and -- think we pay twice maybe nor are they outrebounded by the time the government --"

" Thanks for the call jumped jog your next with Howie -- go ahead John."

" But what I our I have a lot of crime while Karl thanks. 99%. To -- On an HSB. Seek."

" Thirty or thirty previewing you know a lot better you do a lot better from -- your --"

" We doubt about it -- get -- and but for Reagan seventy doubt we -- that make you thirteen 1015000. That your. That's a big financial change and where it up the credit card what does not but HSBC card fraud and other card there and I wanted you know financing and stuff like that. Got got screwed over about one of those money management companies MMI -- as big big trough three without notification. -- Of course because started accruing back probably 18%. Interest. So that throughout I was behind while 4000 -- and monthly payments. Right yeah everything's everything got frozen I -- took a big one and talked to the company are being asked. And they they froze it at 2% I think he's 600 also -- about what the HSBC. Which was then about four or 5000 dollars is running at thirty point night --"

" Win up there oh my god. I gotta I gotta take a break facial or call 18774694322. Amount we car. --"

" It's."

" 18774694322. On your next with Howie -- very quickly Tom got much time left. -- Yes."

" Yeah he will play -- a great credit cards are quickly pulled W little discovered semi applications European central life alone. Transferred fifteen grand he's got twice a month twice a Muppet dog or production like it's."

" The I'd probably be some good thought -- almost paid off."

" I'm surprised they let you get away without talking that's good yeah. I'm sure no one else is getting that deal anymore than they saw that it was a problem thanks for the call I'm Howie Carr. "

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