New wife

[HappyIdiot]

... in response to Re: Debt vs Money, posted by Kenfer8 on Nov 29, 2001

Just curious, do you have any numbers on employment and pay?

As far as the credit issue, what issue do you see that as?  You are also someone from a culture with less of a dependence on credit, right?  Did you have difficulties with dicipline and self control when you first obtained credit in the US?

[Kenfer8]

... in response to Any real numbers?, posted by HappyIdiot on Nov 29, 2001

"Just curious, do you have any numbers on employment and pay?"

Official unemployment has been stuck at around 20% (average) during the last few years in the 7 largest Colombian cities. Cali being one of the hardest hit. (No, I'm not a Cali hater). On top of that you have the subemployment which is working less than 48 hours a week, even if you're willing and able to work more.

Minimum wage is around U $ 130 per month. Close to 4 million Colombians earn that much. The working force is around 15 ~ 16 million people.

"As far as the credit issue, what issue do you see that as?"

Explainig to her that even though credit is readily available for everything and interest rates here are much lower than in Colombia, she must excercise caution when buying things...even if they're offered at "affordable monthy payments".

"You are also someone from a culture with less of a dependence on credit, right? Did you have difficulties with dicipline and self control when you first obtained credit in the US?"

Fourtunately, my relatives warned me well in advance about the credit issue in the U.S. Use it responsibly to build it so you can buy a car or a house in the future.

[TexasRob]

... in response to Re: Any real numbers?, posted by Kenfer8 on Nov 29, 2001

This is an excellent point.  Someone can without discipline can do more damage in one weekend than you can pay for in a year.  Actually the credit thing would concern me more than spending too much cash.

[HappyIdiot]

... in response to Re: Any real numbers?, posted by Kenfer8 on Nov 29, 2001

So if you had not been warned about what credit was, do you think you would not have been able to cope with it?

[Kenfer8]

... in response to Re: Re: Any real numbers?, posted by HappyIdiot on Nov 29, 2001


I prefer to be warned or adivised when it comes down to something that I don't know.

Isn't that the purpose of this board?

[HappyIdiot]

... in response to Re: Re: Re: Any real numbers?, posted by Kenfer8 on Nov 29, 2001

So you're saying you wouldn't have been able to manage?

The purpose of this board is in the FAQ, and doesn't mention anything about warning or advising.

[Kenfer8]

... in response to Re: Re: Re: Re: Any real numbers?, posted by HappyIdiot on Nov 29, 2001

The FAQ and what actually goes on this board are, most of the time, different subjects. I've read many threads dealing with warnings, advise, know-how, etc.

[HappyIdiot]

... in response to Re: FAQ, posted by Kenfer8 on Nov 29, 2001

n/t

[Kenfer8]

... in response to Thanks for your insight on what this boa..., posted by HappyIdiot on Nov 29, 2001

n/t

[HappyIdiot]

... in response to Re: Again,Your welcome  n/t, posted by Kenfer8 on Nov 29, 2001

n/t

[Raptor]

... in response to Just to help your English, it's You're n..., posted by HappyIdiot on Nov 29, 2001

nt

[TexasRob]

... in response to Just to help your English, it's You're n..., posted by HappyIdiot on Nov 29, 2001

Is that you Mr. Head?

[Kenfer8]

... in response to Just to help your English, it's You're n..., posted by HappyIdiot on Nov 29, 2001

n/t