If it's 5% then you def will

Wasn't for things like cars and houses more important that you're not in debt and that you have stable income?

Of course nothing is stopping you from taking that car and house to texas and telling those fucking kikes to take a hike.

*morgages*

can I just buy things outright?

Why can't I use gold bars

You can if you're really good with money I guess

good ol gold and silver bars

also coins if you're into them

Gold and silver are poor investments if you plan on cashing them in, they are more savings hedges

I watch these american renovation shows and some houses in texas you can buy for like $40,000

It's so cool

nah I wouldnt do that

cashing out gold/silver I mean

thought I was considering going FX

I like the FX markets

Where I live houses went from 400k to 1.3 mil

Usually those are in really out of the way areas and have problems that need certified labor to fix so you really don't save much

unless you are certified labor. In which case its a labor intensive but profitable way to make money if you are good.

most expensive places: hong kong, hong kouver and sydney

Sydney is fucked

Rent in the outer rim of the suburbs was 550-600 a week for a shitty tiny house

I bet its alot cheaper to be in tokyo now or even a tier 1 us city

It would actually be

its pretty ridiculous

All the fucking chinks buying in sydney rose the prices up

sum - Today at 13:10
Why not just use debit? It was the default type provided for me by my bank
Given the choice I'd say that in every case debit > credit as at least in my opinion it's much more safer

not necessarily true, since credit card gives you
- consumer credit protection laws that allow you to chargeback more easily
- since it's technically the lender's money that is at risk, they'd be more incentivised to pursue your case and recover the money if shit goes down
- builds up your credit score

credit card is the way to go for dodgy transactions

reminds me of certain article

https://www.domain.com.au/news/how-a-video-game-proved-that-increasing-supply-wont-fix-the-housing-affordability-crisis-20180416-h0ymjz/

shit is fucked in burgerland around major metros too

Credit score shit is us only though

is it? What do banks do in other countries to ensure reliable returns?

theres a credit score system in australia

credit score isn't be all end all but gives you a rough picture of how risky lenders perceive you to be

it's certainly a big deal in the uk as well

I live in Melbourne and it's a pretty big deal. They shadily look at your credit score if you wanna rent sometimes.

Is it at least more transparent there?

lenders all have their own criteria, separate to credit score

I had a gym once run a credit check on me

Because shit is pretty much black magic in the US