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Once again, it's time for the FNGT!

If you don't know how this works, click this link (fngt.gq). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down.

NOTE: That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself.

If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only.

Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then you can donate.

**Once again, it's time for the FNGT!** If you don't know how this works, [click this link](https://fngt.gq/index.php?page=intro). That link will take you to another site to give you some additional information and tell you about some of our off-site features. That's also the site where we will host the weekly guitar threads, should Poal go down. **NOTE:** That site is by invitation only. If you want an invite, and you're a regular participant, then just ask COF, Crazy, or myself. If you do know what's going on, you probably don't need to click that link - but you may want to, to make sure you know of the other features, such as the archive or a separate forum that's invite only. Remember, we are guests here on Poal. Let's act like it. If you're interested in supporting Poal, then [you can donate](https://poal.co/donate).

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[–] • 0 pt

I think it's works out to be cheaper for everyone when they spend other peoples money

Well except for the person who's money you're spending!

[–] • 0 pt

It depends on your credit, really. They know I can pay back any loans, so my interest rate is at the most, for most loans, less than 4%. It's often lower.

If you have shitty credit, you'll have like an 18% interest rate (more on a credit card). So, if your assets are making 7 to 13% and your credit's interest rate is higher than that, it's best to spend your own money.

[–] • 0 pt

LoL I figure its best to not spend any money when you're in that situation!

[–] • 0 pt

Sometimes you need credit, for a car or a house or school... So, yeah, it kinda sucks to be them. I think my credit card with the highest rate is like 5.5% or something like that. I never actually pay interest on credit cards. I put stuff on the card and then just pay it off entirely when the bill is due. I never make partial payments, so I effectively get free money. I actually do better than that, as I get like 2 to 4% back on my purchases. So, not only am I not spending money, I'm actually getting legit free money.