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Getbig Main Boards => Gossip & Opinions => Topic started by: Big Chiro Flex on May 29, 2014, 07:52:51 AM
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
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Fuck off. Hope this helps.
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:D
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720 is an excellent score.
The only thing that I have heard (and I don't even know that it is true) is to open a credit card, charge something relatively large (a couple grand) and then pay it off quickly, but not too quick (divide the amount by 4 and sent that for 4 months).
Supposedly, you get dinged if you make minimum payments OR if you pay it off immediately.
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Run up all your credit cards and have a ball before the riots start.
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:D
I would have added "you look like shit" but then someone would post my pic and I'd be owned.
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720 is an excellent score.
The only thing that I have heard (and I don't even know that it is true) is to open a credit card, charge something relatively large (a couple grand) and then pay it off quickly, but not too quick (divide the amount by 4 and sent that for 4 months).
Supposedly, you get dinged if you make minimum payments OR if you pay it off immediately.
Thanks AJ. I thought it was good too, but banks are telling me it's "ok", not "great" if I'm looking to borrow their money. >:(
I've been fucking around with the credit card manipulation tricks....just seems like a very slow process, curious if there's anything better.
Perhaps Ron Avidan will consign for me ???
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I would have added "you look like shit" but then someone would post my pic and I'd be owned.
Love to crack me one off to those pics...
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Love to crack me one off to those pics...
Your credit might suck, but you have great taste.
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720 is an excellent score.
The only thing that I have heard (and I don't even know that it is true) is to open a credit card, charge something relatively large (a couple grand) and then pay it off quickly, but not too quick (divide the amount by 4 and sent that for 4 months).
Supposedly, you get dinged if you make minimum payments OR if you pay it off immediately.
720 is not an excellent credit score. It's a housewife or bank teller type credit score.
Your children will hate you for being a fuck up and causing them to miss out on everything during their childhoods.
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Starting a business on a loan is a terrible idea. Sounds like you are being a slave to FICO. Basically credit scores measure how good you are at going into debt and paying on that debt. Doesn't mean you are wealthy or smart with money. My suggestion is google Dave Ramsey and avoid taking additional loans. BUT since that's not the advice you were looking for I will leave you this instead:
Would love to be your credit score. :D
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Starting a business on a loan is a terrible idea. Sounds like you are being a slave to FICO. Basically credit scores measure how good you are at going into debt and paying on that debt. Doesn't mean you are wealthy or smart with money. My suggestion is google Dave Ramsey and avoid taking additional loans. BUT since that's not the advice you were looking for I will leave you this instead:
Would love to be your credit score. :D
That's a very nice concept but How else do I pay for start up costs, leasing costs, etc ???
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Start the business super small out of pocket and grow it. Or work and save up the amount of money you were going to borrow. ???
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Start the business super small out of pocket and grow it. Or work and save up the amount of money you were going to borrow. ???
I would be Wes' age by then :'(
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Or work and save up the amount of money you were going to borrow. ???
If he's ready to go, I would say that the opportunity cost lost by delaying startup is a lot worse than loan interest.
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You have 14 months? Charge every single fucking thing and have auto payment set up to pay on time.
I charge almost everything I can.
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If he's ready to go, I would say that the opportunity cost lost by delaying startup is a lot worse than loan interest.
What if the business fails?
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What if the business fails?
He's still out the money either way. At least with a loan, he's not out of pocket all his money instantly.
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What if the business fails?
He could set up a paypal account and we could cover the losses.
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You have 14 months? Charge every single fucking thing and have auto payment set up to pay on time.
I charge almost everything I can.
My wife and I are both in the 800's. We use one credit card, AMEX, and charge everything except the mortgage and utilities. We routinely send over $6000 a month to AMEX. We are awash in AMEX points too.
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
Stopped reading at this point.
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You have 14 months? Charge every single fucking thing and have auto payment set up to pay on time.
I charge almost everything I can.
Does that work well with just one credit card or do you get a better score with utilizing multiple ones?
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My wife and I are both in the 800's. We use one credit card, AMEX, and charge everything except the mortgage and utilities. We routinely send over $6000 a month to AMEX. We are awash in AMEX points too.
We do the exactly same thing, except with a rewards visa card. Charge ridiculous amounts.
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Does that work well with just one credit card or do you get a better score with utilizing multiple ones?
I don't know poly. I do know that sometimes your score can be hurt by canceling "open" cards, but I'm not sure if there's any exponential value in spreading purchases across multiple cards.
Prince Fielder sucks.
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
I have a loanshark that can lend you money at a decent interest rate but if you are late with the payments you will be beaten and ass raped if you agree to this then we can do business.
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If you can wait 14 months to start this business you don't need a loan.
Banks will lend to 720 the same as 800...I don't buy it. They look at collateral at least as much as risk on business loans.
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I have a loanshark that can lend you money at a decent interest rate but if you are late with the payments you will be beaten and ass raped if you agree to this then we can do business.
You're just not funny....no matter how hard you try.
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He could set up a paypal account and we could cover the losses.
;D Arce of peace.
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You're just not funny....no matter how hard you try.
(http://legacy-cdn.smosh.com/smosh-pit/032011/family-guy-ashton.gif)
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I have a loanshark that can lend you money at a decent interest rate but if you are late with the payments you will be beaten and ass raped if you agree to this then we can do business.
Safe to say you borrow money weekly and don't pay it back on purpose then, you knob bobbing goo gurbling pile of fucking suck posting.
Your posts all fucking suck. Every single one of them, except one, one time.
Get lost dicksniffer.
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(http://legacy-cdn.smosh.com/smosh-pit/032011/family-guy-ashton.gif)
Coach is gonna love your new avatar.
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Safe to say you borrow money weekly and don't pay it back on purpose then, you knob bobbing goo gurbling pile of fucking suck posting.
Your posts all fucking suck. Every single one of them. Get lost dicksniffer.
I thought you said 9 of my posts where great including the copy and paste. :D
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I thought you said 9 of my posts where great including the copy and paste. :D
That was before you melted down and left.
All your posts since your unwanted return suck, except one I just found, so I edited my last post. I'm going to have to shell out $50 to buy a Gay Thesaurus just to be able to keep up with the multitude of pure posting suck you spew across our screens daily.
But you're a shared gimmick anyway, so I may save the money.
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I don't know poly. I do know that sometimes your score can be hurt by canceling "open" cards, but I'm not sure if there's any exponential value in spreading purchases across multiple cards.
Prince Fielder sucks.
Haha can't disagree with you there. :)
We seemed to have caught the injury bug down here. Half the Rangers are hurt and the Cowboys top defensive player, Sean Lee just went down with a torn ACL. >:(
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Haha can't disagree with you there. :)
We seemed to have caught the injury bug down here. Half the Rangers are hurt and the Cowboys top defensive player, Sean Lee just went down with a torn ACL. >:(
Fielder's contract was a disaster from the get-go. That body type doesn't age well, unless you go the Ortiz route....
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Fielder's contract was a disaster from the get-go. That body type doesn't age well, unless you go the Ortiz route....
Time will tell but there is a good chance you are right.
He looked pretty good physically in the spring and the track record of consistently playing is there.
Not sure if the neck issue is related to his frame or not but it very well could be.
The declining numbers from the year before should definitely be considered as well.
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What if the business fails?
This is not an option.
The consulting group coaching me has a ridiculously high success rate. Only way I won't survive is out of pure laziness which isn't in my DNA.
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This is not an option.
The consulting group coaching me has a ridiculously high success rate. Only way I won't survive is out of pure laziness which isn't in my DNA.
What's the business do, so I can get in there first?
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you will be ass raped
In.
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Open some credit accounts elsewhere... And pay them. In a year your score will sky rocket.
And since I thought we were cool and you broke my balls... Fuck off.
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
A Chiropractic business I assume?
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But you're a shared gimmick anyway, so I may save the money.
Care to elaborate?
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This is not an option.
The consulting group coaching me has a ridiculously high success rate. Only way I won't survive is out of pure laziness which isn't in my DNA.
You have to take out a loan to get your Amway stock?
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You have to take out a loan to get your Amway stock?
All that Mary Kay stocking inventory isn't going to buy itself...
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
Where you live?
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
business loan based on your personal credit score? hmm... best to keep the business and personal finance separate. never never never a good idea to comingle funds.
so long as the business plan is solid, as long as you can show a history of turning profit, or at least breaking even, getting a loan shouldn't be hard.
getting a biz loan is different from a personal loan... you may be better off getting the money from individual investors.
make sure you protect yourself though. be sure to create a proper biz entity. understand the tax implications of a INC vs. LLC/LLP (sole proprietorship is not a good idea... ever)... and have a bank account in the business name (never your own).
ideally, the business should be up and running before getting the loan... even if it's small and not making any money. you should still have it incorporated and have a biz license in your state (and all appropriate licenses.. sales tax, ect...) and have the bank account and accounting/bookkeeping of every expense/asset/liability/profit, ect...
it might be best to talk to a banker (if you haven't already, I haven't read through the entire thread yet), they'll help you out and tell you the best way to go about getting what you want... that's their job. they don't care what your rate is, they'll want you to get the money from them and pay it back, they have a vested interest in you succeeding.
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Thanks for the helpful replies fellas, got some excellent PMs as well. Most we're weiner/butthole pics but the gesture was still appreciated.
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Thanks for the helpful replies fellas, got some excellent PMs as well. Most we're weiner/butthole pics but the gesture was still appreciated.
Sweet, I'm gonna start a credit thread as well! :D
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Sweet, I'm gonna start a credit thread as well! :D
Knooger loves the cock.
Loser can't even read what I am writing cos its yellow.
Suckers.
Mwah
x0x0
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Knooger loves the cock.
Loser can't even read what I am writing cos its yellow.
Suckers.
Mwah
x0x0
I can't even read what you're writing cos its yellow. Fuck it, I'm gonna go get some of that cock that I love. Later, faggets!
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I can't even read what you're writing cos its yellow. Fuck it, I'm gonna go get some of that cock that I love. Later, faggets!
Yeah but you know you had to put your mouse over the text and highlight it to read it, so I made you go through extra effort so I got to you in real life.
I win sucker.
Mwah
x0x0x
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Never use more than 20% of a line of credit.
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food for thought..
$20 worth of raws, including supplies and manufacturing costs, will net you about $350k. and that's at semi-retail/bulk prices (that's including 100g of methyltrienolone at 500mcg/ml 30ml bottles @ $20/bottle.. 6666 bottles right there at anywhere from $100k bulk/reseller to $270k retail).
... something to think about next time you meet an old rich lady who's a bit of a thrill-seeker and only gets a 5% return on her retirement fund. ;) .... or a banker who's just watched "cocaine cowboys" on Netflix.
;D
Edit:. that's $20k worth of raws.. not $20. lol
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I agree on keeping business and personal separate - legally, financially, etc.
But your own personal credit history will come into play.
Try to pay it off as soon as you can, so that interest won't be much of a factor anyway. A revolving line of credit can be very useful, but it can also bite you in the ass if you're not careful.
I wouldn't worry about any "tricks" for trying to kick your score up. 720 is fine. If you get too caught up in trying to play the agencies' games, you'll end up wasting time and energy, needlessly worrying about small stuff, and probably doing things not in your best interest.
I used to buy everything on credit, pay low interest, and invest the money I would have paid for the purchase had I paid in cash. I've gotten away from that in the last 5 years - I pay for everything in cash - cars, homes, etc.
I only keep one credit card open, use it about once a month, and pay it off at the end of the month just to keep a credit history going and maintain a respectable score. I don't worry if it's 760 or 805 or higher or even lower. I don't care, as long as I don't owe anything and don't have any delinquencies.
I don't intend to ever borrow for business or personal stuff again, but you just never know what the future holds.
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
Is it a sole prop.....if so, then incorporate your business.
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
Open some credit cards to improve your debt to credit ratio.
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food for thought..
$20 worth of raws, including supplies and manufacturing costs, will net you about $350k. and that's at semi-retail/bulk prices (that's including 100g of methyltrienolone at 500mcg/ml 30ml bottles @ $20/bottle.. 6666 bottles right there at anywhere from $100k bulk/reseller to $270k retail).
... something to think about next time you meet an old rich lady who's a bit of a thrill-seeker and only gets a 5% return on her retirement fund. ;) .... or a banker who's just watched "cocaine cowboys" on Netflix.
;D
;D
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Starting a business on a loan is a terrible idea. Sounds like you are being a slave to FICO. Basically credit scores measure how good you are at going into debt and paying on that debt. Doesn't mean you are wealthy or smart with money. My suggestion is google Dave Ramsey and avoid taking additional loans. BUT since that's not the advice you were looking for I will leave you this instead:
Would love to be your credit score. :D
My man calfzilla is right. OH lets see what Mark Cuban has to say.
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Knooger loves the cock.
Loser can't even read what I am writing cos its yellow.
Suckers.
Mwah
x0x0
fuck that hurts my eyes why do u do this
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Let me guess.... Chiro wants to open an "authentic" Italian restaurante.
::)
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Let me guess.... Chiro wants to open an "authentic" Italian restaurante.
::)
Run out of Poppov tonight ???
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Would love to be his
business partner.
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Would love to be his business partner.
Would love for you to "infuse" some "cash" into my "business."
You can be my first patient :-X:
(http://i1156.photobucket.com/albums/p569/Vincebertolini/bb4017f15f7088e0d6116d4602229bee.jpg)
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Would love for you to "infuse" some "cash" into my "business."
I'd book a suite at The Mirage to discuss credit scores with you....
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Would love for you to "infuse" some "cash" into my "business."
You can be my first patient :-X:
(http://i1156.photobucket.com/albums/p569/Vincebertolini/bb4017f15f7088e0d6116d4602229bee.jpg)
ROFL!!!!!!!!!!!!!!!!!!!!!!!!!!
Quotation Marks of Peace
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I'd book a suite at The Mirage to discuss credit scores with you....
Meet me near the ice machine, don't worry I'm an accountant.
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Let me guess.... Chiro wants to open an "authentic" Italian restaurante.
::)
Would love to be his cannoli.
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Meet me near the ice machine, don't worry I'm an accountant.
No problem....I'm a Velvet suit wearing Athlete's Rep.
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No problem....I'm a Velvet suit wearing Athlete's Rep.
;D ;D ;D
(http://www.getbig.com/boards/index.php?action=dlattach;topic=442411.0;attach=486020;image)
We'll get your "credit" "worked" "out"...
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;D ;D ;D
(http://www.getbig.com/boards/index.php?action=dlattach;topic=442411.0;attach=486020;image)
We'll get your "credit" "worked" "out"...
Somewhere in England, in a 200-square foot apartment, Darren Avey is mesmerized....
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"Overuse" of quotations of "peace"
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;D ;D ;D
(http://www.getbig.com/boards/index.php?action=dlattach;topic=442411.0;attach=486020;image)
We'll get your "credit" "worked" "out"...
Beautiful "hair".....
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Somewhere in England, in a 200-square foot apartment, Darren Avey is mesmerized....
Fuck this just made me LOL in the middle of the library like an asshole ;D
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Fuck this just made me LOL in the middle of the library like an asshole ;D
Make no mistake....when I'm in England this summer I'm going for beer with that beautiful hunk of a man Darren.
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fuck that hurts my eyes why do u do this
To piss you off. :-*
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Is it a sole prop.....if so, then incorporate your business.
Are you serious? You posting in a money discussion is like Pumpster having a Training Blog.
Wait what...... ;D
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Trying to secure a decent rate on a business loan. Current score is 720, but I'm told if I can boost my score my rate will be better. Any tips besides "fuck off"? I have about 14 months to make improvements.
I think anything over 740 is A paper. Your credit score is still great prob just lack of credit history. You want to have 4 cards open with no balance. Put 3 away and use the one that gets you the best rewards for your months bills,pay it in full every month. Should go up 20 points in a year.
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Are you serious? You posting in a money discussion is like Pumpster having a Training Blog.
Wait what...... ;D
Get the fuck outta here.
At one time Vince was running something like 6 or 7 different companies at once.
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To piss you off. :-*
Junior, your buoyant optimism is blinding us all and it makes for a great read , but fuck It makes me puke Bob Chicks suit.
Your posts are burning a hole into my retina's.
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Get the fuck outta here.
At one time Vince was running something like 6 or 7 different companies at once.
Yes, and his total gross revenue was a smidgen over $1,100.00
So maybe you can kinda get the fuck outta here.
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I know plenty of people that need their yard cut and a new roof. Your kind do a good job at this, Big Chironez Text.
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I know plenty of people that need their yard cut and a new roof. Your kind do a good job at this, Big Chironez Text.
I'm not Mexican you chocolate faced watermelon lovin' wide nostrilled Hebrew.
And not the good kind of Hebrew like Milton Wiggins.
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I'm not Mexican you chocolate faced watermelon lovin' wide nostrilled Hebrew.
And not the good kind of Hebrew like Milton Wiggins.
lil j....
foodstampin'...fried chickening, twerkin.
and he lls
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I'm not Mexican you chocolate faced watermelon lovin' wide nostrilled Hebrew.
And not the good kind of Hebrew like Milton Wiggins.
:D
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Small businesses account for half of GDP and (historically) for most employment growth but have faltered in the aftermath of the Great Recession, resulting in a relatively tenuous recovery.
Big Roundhouse Flex: please don't be discouraged by tight lenders, the cost of health insurance, uncertainty about economic conditions and government actions, unreasonable regulations, and the tax code. Your having the balls to step up now is going to influence the future of the nation: either big ball havers in the small business world step up soon and push the unemployment rate down toward full employment over the next 1.5 years or so, or we enter a 'new normal' with relatively high rates for the foreseeable future, attendant downsides/risks and all.
Don't let us down neegar!
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Small businesses account for half of GDP and (historically) for most employment growth but have faltered in the aftermath of the Great Recession, resulting in a relatively tenuous recovery.
Big Roundhouse Flex: please don't be discouraged by tight lenders, the cost of health insurance, uncertainty about economic conditions and government actions, unreasonable regulations, and the tax code. Your having the balls to step up now is going to influence the future of the nation: either big ball havers in the small business world step up soon and push the unemployment rate down toward full employment over the next 1.5 years or so, or we enter a 'new normal' with relatively high rates for the foreseeable future, attendant downsides/risks and all.
Don't let us down neegar!
Thank you for this "Big" Syntax 8)