I know I'm dealing with a fucking moron. When they say 'ban usury' they mean loaning money at interest, that is, any interest, not just exorbitant rates.I'm going to explain to you for the last fucking time why we need to charge interest on loans you dumb gorilla nigger>time>value>of >money Meaning. I have money. Normally I would use this money to pay your sister to suck my fucking dick. But you want to borrow that money so you can start a dick sucking business of your own, you feel like you can really corner the nigger dick part of the market. So while you're busy founding your nigger dick sucking empire you use my cash as seed money, I am denied the enjoyment of my money, particularly using it to paying your sister to suck my dick. So I have to charge a small percentage to compensate for that. Also you might fail to pay me back, that's a risk to me, how will I pay your sister to suck my dick then? I have to be compensated for taking that risk as well.Now shut the fuck up you utter brainlets. Nothing works without credit and finance. Without it you end up like the muslims. In other words, pathetic, weak.In b4 JEWWWWWWS!!!!This is not an argument.
No usury, no jews. Simple as. Have a rope. Use it well.
No usuryNo circumcisionShoo the jew
>>534374053>>534374120No argument niggers show up right away.Kys
>>534373901To properly engage with your argument halfway, lending money and resources to people you don't really know should be a risk and you shouldn't be protected from some faggot not paying your money back. If they never pay you back then you can black list them and let other people know about their behavior. If you lend to a clear retard that can't pay it back then either you got a poor ability to judge character, or you do have a good judge of character and they would make a perfect victim to extract resources from with usury.
>>534373901kys kike
I think the banking system is fair enough. As fair as anything could be among our species.My bank has not disappointed me, it keeps my mind at peace knowing I don't have to directly deal with retarded mases... my money is safe enough, there is a buffer of "law and rule" btw me and the mases thanks to Banks.Period.
while your argument may be weak and you are surely a huge faggot, I agree that interest must be charged on loans. It's the consumer's fault for accepting the loan in the first place and not paying it back.
Banks should charge the same amount as interest as they give you in your saving account.
>>534374496This
>>534373901But just make it customary to return the exact amount or ask a favor.
>>534373901Enjoy your time in hell usurer
>>534374053>>534374120/thread
What part of we pay no interest for almost three weeks on say visa spending so one can maintain credit score without paying interest is not Fabulous! When a person makes shit choices, person pays the price/interest. Been there, not in a retarded major way thankfully.Banking in Civilization is a richness we Must Appreciate Properly. So, so, so, so Greatful.
>>534373901if it was needed ((they)) would charge to themselves it. but they don’t. muzzies don’t pay it either, and many of their countries are well off. ban usury. simple.
I know what usury is and I surely know what I'm talking about when I tell you to take a hike, kike.
>>534373901Nobody is forcing you to lend money.
>>534374638The bank will loan you a 100,000 for your project but upon repayment of the 100,000 10 years from now (if you are able to pay it back) we would like to ask if you would be able to go to the grocery store and pick up a few items for Sandys birthday party?
>>534373901Usury is evil. Sound money is the way.
>>53437449618%?
>>534374658>Will they (usurers) live? Surely not!This.
Usurers all need to be exterminated.And rent-seekers.And any other kike ponzi scheme fuckers.
>>534375031What cranks me a little bit is the system is now structured such that everyone is now tainted >buy a stock with a dividend?>hellboundSucks
Not a Jew, just a Crypto-Jew that they pulled from the dalit swamps of India
>>534373901Ban Language! Inside your head also. No language allowed.
>>534375146Pretty wild how the criminals who masquerade as "government" trick (most) everyone into breaking God's law and then tax/punish them for it.
>>534373901What part of usury is a sin don't you understand?You know there were plenty of financing models before the jews got their crooked claws into the state. Banks used to work with borrowers to form a business plan and set up a business, The bank would own the business and the borrower was paid a salary with which they could use to buy the business from the bank. The bank takes the 100% profits from the business in the first year and then start splitting profits(and costs) as the borrower buys the bank out of the loan.What you want is an indentured servant and an all or nothing guarantee of interest, hedged through the loan reseller market so some fucking pensioner gets screwed if the dick sucking business fails so, you take the loan insurance anyway. Maybe come back to this board when you're 18 years old Rageesh.
>>534373901>When people say 'Ban Usury'>I know I'm dealing with a fucking moron. When they say 'ban usury' they mean loaning money at interest, that is, any interest, not just exorbitant rates.>I'm going to explain to you for the last fucking time why we need to charge interest on loans you dumb gorilla nigger>>time>>value>>of>>money>Meaning. I have money. Normally I would use this money to pay your sister to suck my fucking dick. But you want to borrow that money so you can start a dick sucking business of your own, you feel like you can really corner the nigger dick part of the market. So while you're busy founding your nigger dick sucking empire you use my cash as seed money, I am denied the enjoyment of my money, particularly using it to paying your sister to suck my dick. So I have to charge a small percentage to compensate for that. Also you might fail to pay me back, that's a risk to me, how will I pay your sister to suck my dick then? I have to be compensated for taking that risk as well.>Now shut the fuck up you utter brainlets. Nothing works without credit and finance. Without it you end up like the muslims. In other words, pathetic, weak.>In b4 JEWWWWWWS!!!!>This is not an argument.
>>534373901Begone kike.Ban usury
>>534373901>Nothing works without credit and finance.>Nothing works without putting yourself in deep financial debt to someone elseNo, society does not have to be this way and you are just painting it as normal but it really isn't. The concept of a debt driven economy is a very recent concept in human history so are you saying nothing in the past worked because everyone wasn't putting themselves in debt to the money lenders?Lending to people should be because you want to genuinely help others and see your community grow not so you can take advantage of others and become the richest man in town even though you've done nothing. Why is it every time usury is practiced the money lenders are seen as evil highly corrupt people that should be ran out of town, what are the money lenders doing through the practice of usury to be viewed this way hmmmm?
>>534375531They’ve been running the same game since Babylon. Shit’s fucky.
>>534375776>Plus ça change, plus c'est la même choseIndeed, anon. Same as it ever was.
>>534375684>Lending to people should be because you want to genuinely help others How about we lend money to people with good ideas who can take it and produce more goods and services that create a return for them that's greater than the rate that I'm charging them? You know, they way we got all this great stuff around us.I knew this thread was going to expose the stupid people on /pol/, but good lord, I feel dumber reading some of these comments. Not one of you has gone on cm towards overcoming the time value of money, in other words why should I lend you money without receiving a return on it seeing as I am being denied the use of it.
>>534376325>How about we lend money to people with good ideas who can take it and produce more goods and services that create a return for them that's greater than the rate that I'm charging them? LOL really that is your argument? You are basically describing the ideal situation of yes on paper that is how it should be done but in reality it is not done that way at all. You are basically saying everyone else is dumb because they don't want to live in lala land with you when reality paints a completely different picture, it's time to come back to reality anon. I can throw it back at you of why don't even the money lenders do this hmmmm? They will give loans to people who obviously won't pay them back every sign is pointing to they won't pay them back yet they do it anymore. It starts to look more like a ploy to put people in debt slavery rather than actually giving it to those who have good ideas plus the ability to pay the loan back.You also avoided my question of why is it in every society usury is practiced the money lenders are seen as evil very corrupt people who should be ran out of town? What are the money lenders doing to be viewed this way by the people of that society? No matter the human civilization they are pretty much always viewed this way.
>>534376930>do it anymore.do it any way*
>>534373901
>>534376930Yes anon. Let's lend money to people who are stupid and have bad ideas. Lol
>>534374244Calling you a jew is the only argumentIt’s not a well argument, but you still have to refute it
>>534373901shut up kike>canadian flagwoops my bad, shut up chinkoid/pajeet
>>534373901the world didn't need any more cocksucking businesses though it was just fine the way it was. eventually you will realize that having more money tomorrow will no longer buy you what you could have bought today with that lesser sum of money.
>>534373901>I'm denied the enjoyment of my moneyGo fuck yourself retard
>>534373901>time>value>of >moneyDoesn't exist. You might as well be endorsing coin clipping.
>>534379541eventually you will realize that money is a claim on labor and resources but having more money doesn't mean more resources for you. If everyone is retarded and all the water and air is polluted, your interest bearing contracts won't buy you fuck all.
>>534379611>>534379660I could be doing something else with my money other than lending it to your broke ass. So yes 'time value of money'
>>534373901that's why banks must be nationalizedthere, no profit motive neededyou are deeply jewish
>>534378428That's essentially what they are doing already and I never said they should I said that in reality that is what they are doing. Did you just ignore everything else I said and the best you can do is misrepresent a small part of what I said. You keep accusing everyone else of being dumb but so far you've proven to be the stupidest person in this thread.
>>534373901Historically when usary was a thing, they would allow people a debt jubilee where all debts would be forgiven occasionally. The jewish central bankers who run the world absolutely refuse to let us have a debt jubilee. So I really don't see a fix for this unless you kill all the people preventing a debt jubilee. It's obviously time to write off all debts. These 40 trillion dollars don't actually exist and we never agreed to spend any of that money to begin with. All of our politicians are lying traitors who basically steal from us to give infinite financial aid to Israel.
>>534373901Oy vey.
Wh-what?! You DON'T like my argument? Then you must be stupid!> Thread over, insert coin to continue.
>>534373901If you can't do it at 100% reserve requirement than you shouldn't do it at all.If you believe in <100% reserve requirements, lets play a game.Instead of stealing by inflation a penny from every saver in this country, you go knock on their door, go directly into their pocket without their permission, and claim for yourself that penny. take 200k or whatever you need for that house, see how far you get before you need to test the veracity of the current healthcomplex
>>534373901>>534374053>>534374120>>534374244OP doesn't deserve this but maybe other anons do.
>>534380749Link for the newfagshttps://i.4cdn.org/pol/1777844006998138.jpg
>>534380186Opportunity cost is not society's problem.
>>534374496the apr is higher than apy because they have operating costs like paying employees, commercial real estate, etc
kill yourself kike
>>534380860No it's your problem if you want to borrow my money. Hence the interest fee to incentize me to do it
>>534373901You can easily incentivize someone to give you cash by offering them a % of profits. This is how jews do it in America without charging one another interest. No usury isn't difficult.
>>534373901Okay you're an idiotic capitalist I get. Foc fuck yourself. You don't even understand what you're talking about you fucking asshole.
>>534381555>No it's your problem if you want to borrow my moneySo don't loan out your money. Not my problem. As far as I'm concerned any amount of accrued interest exceeding 10% of the total amount borrowed is functionally identical to counterfeiting.
>>534373901The modern financial system is way worse than classic usury. At least in classic usury the lenders were actually lending real money and taking a real risk, rather than creating it from nothing (counterfeiting).
>>534373901Fuckin dumby. Usury means excessive interest on a loanhttps://www.investopedia.com/terms/u/usury.asp
>>534373901You're a Jew and you want to make money from money without working, because that's what your kind always do. You didn't need all those stupid words to explain it.
>>534373901Most people historically did not have bank accounts or any debts of note besides "tabs" or taxation. Plenty of people live now, even in the United States, without any credit, bank accounts, or advanced finances by purely handing legal tender. The debt economy only even came into existence in the past 150-200 years and you're trying to shill it into being the historical norm when it isn't.
>>534382389Usury means offspring, so it's literally a paper system designed to imitate the exponential population growth of organisms fulfilling their niche in a biome. The problem arises every 80 years when the population overshoots the carrying capacity of the ecosystem resulting in global war. Sometimes I think that the reason we are always at war with Russia and Iran is because their currency is backed by caspian caviar while ours is backed by decades-old nukes and aircraft carriers full of clogged toilets and combustible laundry
>>534373901OP is a stinky Jeet.
So what have we had as 'arguments' today?> you're a jewNot an argument>it's not fair that don't get something for free!!!Nigger logic.Bravo
>>534380186>have money>want to lend it out>lend it out>AHHHHH I WANT MY MONEY BACK AAAHHHH???
>>534386448While you are using my money I can't use it to pay your sister to drop hot loads on her chin. I have to wait for you to pay me back so I can have use of my money again. Thus I should be compensated for that, or I won't lend it to you.
interest that is identical to inflation stops being usury because the value remains identical. easy fix. stop being obtuse
>>534374288Based digits and this
>>534373901It's immoral to charge interest you kike. The whole point of this is to take advantage of poor people.
>>534374375Go try to take out even $20k in cash from the bank and see what they say, faggot
>>534387207why are you lending out money and demanding to be compensated in the first place? how did that become a thing. why would anyone do that, try to turn that into public policy. It makes sense in a neolithic society the temples became banks but why is that still a thing
>>534373901No you're explaining why you think you need to get wealth without working. Those are entirely different things. Ban usury (and gas OP).
>>534387207sounds like you're not cut out for the money lending business, all you want is extra money for your money and are not willing to take on risk at allmaybe convert to an actual religion that doesn't exist simply to prey on the poor
>Islamic banks don't exist>I'm intentionally being obtuse
>>534373901>>534374244We arent having a debate on this anymore Jew. We have made our position known.If ypu align with the Jews to the degree you will side with them over this issue, you are a shabbos goy golem trashperson to be called for fitness and philosophic purposes.
>>534387551Because capital is a tool. If I lend you $10 million so you can buy construction equipment and you start contracting construction jobs and making money from money from that. If you're smart and know what you are doing you'll produce enough revenue to pay me back and make a nice profit for yourself. You might say 'why don't you just buy the equipment and do the jobs yourself?' Maybe I don't know how to do construction, maybe I don't like working outside...it doesn't really matter. While your borrowing money and paying me back I can't use it, I can't lend it to someone else, I can't even give it to someone else if I wanted to. So I have to be compensated for this, also there is the risk aspect. You might have a fire at your shop before you are done paying me back, if this destroys the construction equipment you won't have a way to earn the money to pay me back. I have to be compensated for that as well.No one understands anything about the world around them thinks that we could live without credit and finance. We literally could not get anything done. World trade would basically be impossible. No one could pay for something expensive in payments over time. There is a reason why things like short term commercial paper exist, because they fill a vital role in keeping thing functioning. Intetest on loans is the price you pay to have this stuff.
>>534374638Half of the Talmud is probably arguing against this very point i have to assume
>>534382208Based
>>534373901>It's just a little socialism, we're not communistsWe is so sophistic-ated naow.Except the country still went bankrupt paying approved interest on its denbts, ya big tiner boy.
>>534373901Ban usury
So when we give the banks our money and they lend it out without our consent how much do we get?
>>534373901fuck off kike
>>534388402yadayadayada pay me for not doing anythingwe get it you're a lazy drain on society. also world trade doesn't involve interest, people trade things. look at what happened with IMF loans to bail out euro countries like greece, they defaulted and have like 25% unemployment now. compare that with the US' 30 something trillion in debt mostly to china, think that will ever actually be paid back? money backed by nothing physical is a con game, one you only think to profit on while increasing the suffering of others 1 million fold
>>534373901Shouldn't apply when the money that is loaned is counterfeit and gotten out of thin air. No more banks in the coming Quantum Financial System. https://m.youtube.com/watch?v=4AC6RSau7r8
>>534388666Whatever intrest they've agreed to pay on the savings account you put it in. They don't pay you interest cause they like you anon. Your bank balance is literally a liability as far as their accounting is concerned
>>534373901What if I just never pay you back?
>>534373901The Usury FAQ by Zippy Catholic is a great education on the subject. Sadly Zippy Catholic was killed by a car while bike riding a few years back; God rest his soul.https://zippycatholic.wordpress.com/2014/11/10/usury-faq-or-money-on-the-pill/
>>534373901Eat shit and die kike
>>534388935and when the banks fail and make terrible investments the people have to bail them out because "muh system" you're a retard
>>534388825>also >>534388788world trade doesn't involve interest, It absolutely does. You seem stupid because you don't know a thing about what your talking about.This is how world trade actually works:https://www.dripcapital.com/en-us/resources/blog/bill-of-lading
>>534373901The problem with COMPOUND interest is that it grows exponentially, and nothing in the real world does. That's why it's a scam. COMPOUND interest is excessive inherently, according to the math
>>534373901You loan at a fee you dumb nigger not at an unlimited growing interest
>>534389088it involves interest when people buy things they can't afford to pay for immediately and most lenders wont accept any kind of flat fee, and that's where you're greedy ass comes in and tries to milk the money teet for 30 years of ever increasing interest.
>>534389166Ok let's take that fee and divide it by the number of months of the term of the loan. And we add that to the repayment installments. Ok what have we done that's different here nigger ? Nothing. A fee and intrest are the same thing.
