I've often wondered where some of the credit misinformation I hear comes from. Seriously. So many people believe so much of the same garbage. I figured there must be some school where they teach this crud. I always ask people where they hear this stuff. Most of the time it comes from the parents. Other times the person doesn't know where they got the misinformation. Regardless, they're out there parroting it like it's the truth, though. Anyhow, the mystery is finally solved. I've figured out where this pathetic and uninformed information comes from: Yahoo! (Incorrect) Answers.
During the past week, I've spent a good amount of time over there. What I've found is very sad. People with genuine issues ask questions about credit. Some of the answers that follow are insane (and inane). Some are flat-out reckless. Other times I imagine that the person answering the question is just an ill-informed person who has never done a lick of homework. I'd venture to guess that 95% of the answers have a mistake in them. For the most part, the people answering the questions have no expertise. None at all. And yet, there they are giving answers to people who will eventually walk away thinking that they've received good information. Nothing could be further from the truth.
Here's an example of what I am talking about. The following question and answer is real. I couldn't make this stuff up if I tried.
QUESTION: "Three credit cards for an 18 year old -- too much?
I'm almost 19, and current [sic] have 2 credit cards - A Visa student card ($250 limit), and a Discover card ($500 limit). I make sure to pay my bills in full every single month. My credit score is fantastic, and I was recently offered a 13.9% APR on a Capital One Master Card [sic] if I applied and was approved. My questions are:
1) Is 3 credit cards for someone my age too much?
2) Does it help or hurt my credit?
Keep in mind I work two jobs and make decent money for someone my age, and have never had problems paying credit card [sic], cell phone or other bills.
Any advice would be extremely helpful. Thanks in advance!"
The ANSWER comes from a person who goes by "Michelle S.": "Yes pay them off now, please. Save yourself.
At this rate when you are 23 you will be several thousand dollars in debt, even 10k or 15k in dept [sic] by the time you are 30.
Pay them off now, and start saving money and only buy things when you can afford them. Otherwise you are looking at a life long debt."
----
Her source? She says her answer comes from "experience." Never mind that the person asking the question pays in full every month. The person doesn't even have credit card debt. I have a message for Michelle. You are reckless. Put the keyboard down now. Get some education; then give the Yahoo! forum a try again. What's so scary is that some people will actually listen to her drivel. Michelle is actually called a "top contributor" on the forum. Heaven help that forum.
Then there is this question from someone who wanted to know whether it was necessary to get a credit card (in general).
QUESTION: "Do you really need a credit card?
I know that apartment complexes will ask (for) your credit score, and if you don't have one you have to make like 5x the monthly rent. Or you need a score to apply for loans. But I've seen so many anti-credit card movies and articles. Is having a credit card really necessary?"
ANSWER from "Patty Ann": "No, I don't think they are necessary. Your credit rating isn't based on your credit card use, but on how you pay off all bills."
----
Uh, wrong, Patty Ann. Patty Ann clearly has no business answering this kind of question. She was wrong from the get-go. Credit card usage is extremely important to credit scores. Utilization is worth 30% of the FICO score. Still haven't had enough of this lousy information? There's a ton of it on Yahoo! It's actually sickening.
But here's another one for you.
QUESTION: "I'm 16 and want to start getting credit is there any way?
I'm 16 and want to start gaining credit so I don't have problems ahead in life."
ANSWER from some schmoe named "Lady Shmoe": "STOP! Whatever you do, check out Financial Peace University or Dave Ramsey's books first!
It seems to take credit to make credit and that sucks because credit cards are evil. Please be very careful before getting a credit card."
----
There was more to her answer, but it was gut-wrenchingly pathetic. The answer, of course, is that you must be 18 years old in the United States to get a credit card or secured credit card. You can be made an authorized user if you're younger than 18, but you cannot get your own card until you're 18. Period. End of story. Lady Shmoe decided to rant on about Dave Ramsey instead of addressing the question at hand. Lady Shmoe your name is apropos. Nice choice.
Wait, there's more. Here is another one by "Lady Shmoe."
QUESTION: "I currently have my first credit card, and I'm still a bit confused. I have $1,000 of available credit. After I pay my first months payment, or minimum payment does my credit get renewed and go back to 1,000? Or must I first completely pay off my existing balance?"
ANSWER (from the Shmoester):
"It is like simple math:
$1,000 balance
minus $100 dollar shirt
= $900 dollar balance on card
$900 balance
+ $50 payment
= $950 balance
Be oober careful with a CC. Interest will eat you alive. Don't go overboard either. I recommend calling the CC company and asking them to lower the balance to $200 or $300. You will still beef up your credit standing that way. Always pay more than the minimum payment each month - pay the whole amount owed if humanly possible."
Disgusting.
Is this what Dave Ramsey (the all-cash guru) is teaching his disciples? Yo, Dave, you might want to put this Lady Shmoe at the head of your class. She could be one of your brighter students. What a joke. Is that Lady Shmoe a hoot or what? Seriously, this is the kind of information being passed off at Yahoo! Answers. How can you not feel sorry for the poor souls in need of some real answers? Yo, Shmoe: stop answering questions. You are wrecking lives over there. Pathetic and sad. All I can do is shake my head. Oh, and by the way, Shmoe, the correct word is “limit” -- not balance. You wanted the person asking the question to lower her limit -- not her balance. Bawaahaaahaha. These people slay me.
A user that goes by the name of "Emma F" was just as moronic -- but, because this is my blog, I'm not going to highlight her garbage on my site. Instead of answering questions about credit, she should stick to what she knows best. And whatever that is, it certainly isn't credit.
It seems that Yahoo! Answers has been overrun by a bunch of ignorant fools who have no education. Seriously, some 90% of the people I saw answering questions flat-out scared me. The answers were flimsy, wrong, half-wrong, totally wrong, or misinformed. The commonality, though, was that credit is evil. Scary. Ooooh. Give me a break. It's obvious that most of these people have never done any real thinking in their lives. They wouldn't know what rigor meant if it was staring them in the face. Therefore, instead of educating themselves, they parrot what they've heard others say. As I said earlier, I hit the mother lode of credit misinformation on this one.
Now, all of that said, I was able to find a few people (a guy who goes by "slimick," for example) who knew what they were talking about. In fact, I found one woman who goes by the screen name of "latebreakfast." I checked out several of her answers. She's on top of her game and it's obvious that she has done her homework. She has answered some 1,103 questions. Nearly one-third of her answers were voted "best answer." It's no wonder, really. She's good. She's sharp. She's thoughtful. And she addresses the questions that she knows the answers to. You don't see her winging it. She leaves that to other nut jobs on the site. Latebreakfast, if you're out there, I just wanted to give you a tip of the cap. You're educating people on that forum one day at a time. Nice job.
As for the rest of the clowns at Yahoo! Answers, don't quit your day jobs. If I had it my way you'd all be banished from that site. You're wreaking havoc on people who truly need answers. The Internet is a wonderful place for information. But it can also be a dangerous place as well. It's especially dangerous when you get thousands of uninformed, uneducated people trying to pass themselves off as people who are qualified to give credit advice.
To my readers: please do me a favor. At CreditMattersBlog.com we're pretty well informed here. If you're a daily reader, you know more than 99% of the world when it comes to credit matters. It's now your job to teach what you have learned. I invite you to visit the Yahoo! Answers area. Go to the credit section and educate these people. People are starving over there for the kind of quality information that you can provide them. Latebreakfast and Slimick, bless their hearts, cannot do it alone.
You can find the site by going to Yahoo! Answers>Business & Finance>Credit. Here's the direct link: Yahoo Answers 
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Friday, September 19, 2008
Yahoo! I Have Found The Mother Lode of Credit Misinformation
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60 comments:
Yahoo e-mail.
'Nuff said
Bob, seriously, it's a scary world out there. I can't believe that so many morons could congregate in the same place. It's almost as though Dave Ramsey sent all of his followers to Yahoo.
It's scary.
CM:
You know, I happened to see a clip of DR today, FIRST time for me.
I was surprised he didn't have horns ;-)
Bob
He had them tucked away. You didn't see his tail?
FLT:
If you commented on page 2 of the editorial cartoon blog site, check out my comment on page 3 ;-)
Bob
That is really scary. Thanks for the rant, definitely well needed.
It's such a shame that these people are eating the garbage - if only they knew about your blog ;)
Just curious, do you find yourself wanting to frequent their yourself in order to restore sanity?
Tail...
ROFL!
Josh, I actually answered some 35 questions there during the week. I was voted best answer 10 times. There will be more best answers forthcoming when people vote. I was very well received there -- by those asking questions.
I was not well received by the people answering questions. Apparently I did not believe in the "credit is evil" mantra, so I was not well liked. I got reported a couple of times for being mean. LOL.
Idiots.
That's why I want my readers to go over and answer questions. It's obvious that the people asking the questions appreciate the solid information that I was supplying. It's just that the people competing with me to answer were not happy.
Yahoo Answers needs us.
LOL, wow.
Credit Cards are not evil, just like anything in life they can be used for good and for bad, they can be used responsibly or irresponsibly.
If people are not receptive to the truth(or educate themselves), they can continue being screwed.
Power is in the people who actively seek out knowledge.
Josh, I go over there so that people will know that there are other answers. I referred to my stories often. So that people would come and seek the truth here. Dave Ramsey has a hold on these idiots.
But the people asking the questions have no idea that they're being spoon fed this garbage.
I'm telling you. Go over there and see for yourself. You'll feel compelled to answer questions -- just so that the truth can come out.
I got pissed off at some of the answers these people were dispensing.
I don't have much to say except that I agree with you 100%. I have been over at yahoo answers before, just browsing and I remember thinking "I hope I am never in such a desperate situation that I need these people to help me, they don't know what they are talking about".
I know I must be living under a rock,but I first listened to Dave Ramsey the other night when I couldn't find anything else on TV. I really do not listen to these sort of Financial advisor's much because many times I don't agree with what they say. I know many people swear by Suze Orman, but many times I don't agree with how she feels about using credit either. Anyway, I could not listen to Dave for longer than a few minutes because his answers really bothered me. I remember thinking "I know many members of CB that should get paid for their advice, but this idiot is"!
I have personally learned so much from you (creditmatters) and members of CB like; Hegemony and Jen etc.. and you all give out your advice free of charge. You all need to get together and start charging admission!
I know for a fact that numerous people do follow the bad advice given as I did back when I first began my credit journey. There are so many things that I should have done back then. If I would have known then what I know now I would be so much better off financially. I could now have several years of positive credit history, but instead I am working on my DVs tonight!! LOL.
I have seen what is on the Yahoo Answers page. I don't know how people can be so dumb! Credit cards are not evil. Stupidity, irresponsibility, not doing your homework are.
Anon, thanks so much for your comment. I appreciate it. I won't charge a dime here -- ever. I get paid for my readers using those ads you see around the site but that's it.
After I graduate from law school I plan on writing a book on credit. It'll be the counterpart to Dave Ramsey and Suze Orman (though she's not nearly as bad).
The people over at Yahoo Answers, who are doing the answering, are so ill-equipped and under qualified to answer questions that it's irritating to watch. That's why I felt compelled to roll up my sleeves and dig in.
Not sure who that "latebreakfast" person is, but she was a standout among those people. Thank goodness for people like her. But she has to be overwhelmed by the rest of those people she's going up against.
Eldar, no doubt. A lot of young people are asking questions over there. They don't know better. They think they're getting solid answers. Instead, they're getting the same garbage that a lot of us were taught at stages of our lives.
I'm just giving back by answering questions over there. I figure if enough of us go there, we can make a difference.
I can attest to the array of garbage available on Yahoo Answers. Just found one where a user asked if being placed as an AU on a father's credit card will effect their credit history if the card goes into default.
Numerous people replied stating that no matter what it does NOT effect your credit standing and score. Of course, I set 'em straight.
Josh, you could spend the rest of your life over there. It would be a full-time job. I did my best to cite stories over here. Maybe some of those people will see the light if we send enough of them over here. And, of course, I would love to see some of them become readers over here, but for the most part I just want to educate them.
It's a pity that a site like Yahoo Answers can exist without there being checks and balances. For the most part, most of them seem to be Dave Ramsey disciples.
Heh, heh, every few years I have to reactivate my Yahoo e-mail.
Just did.
Bob - tonight didn't require cash?
Isn't that editorial cartoon site just the funniest thing on the entire internet right now?
CB - I received a new credit card today and I've already started reading everything that came with it. I've got a good story to pass along when I'm finished.
FLT, be sure to send the story to plastic101@gmail.com.
Glad to hear that you're reading that card agreement. Not that bad, eh?
I just checked the site Marcus - OMG, there are some severe fools out there.
Look what Eggless asks:
"My company has clients with past due accounts. Can they be turned into the credit union?"
That's bad enough; but Pumpkin Head replies, "Equifax, et al are not collection agencies"
The person asking thinks credit unions are collection agencies and the answerer thinks the CRAs are credit unions.
I will have to look some more tomorrow, this is too unbelievable.
FLT, it gets worse. Trust me. You find yourself answering questions just so that you can lay the smackdown on the morons answering questions.
As I mentioned earlier, I referred to several people as misinformed and lame. I was not a favorite over there.
This is disgusting. I am scared (seriously) that people are taking that garbage as gospel and heartily take this advice.
It is a dangerous road they are taking that has long term damaging consequences. And yet, it is all too easy for them to spew this nonsense, trying to come off as authoritative; clearly the answers are anything but.
I still have faith that Dave Ramsey and his followers are a relatively small but vocal segment and that most will see the light and realize the pointless drivel that it is, and find the truth.
I've been tempted to post, but they have tunnel vision and the answers are predictable. Its like a script, they actually have no individual insight, only the teachings of their leader; Dave Ramsey.
What really gets me is that he is profiting from this bad advice and really doing a disservice to people who don't know any better or believe him because they don't know where else to look for info.
I think it was a waste of keystrokes for you to even reply to those posts, but I am glad you did it nonetheless. Some of them need to hear how things work FOR THEM in reality, not just read about how credit is the root of all evil and will drown you sooner or later, even though you aren't in trouble yet.
I know I am blabbering here a little bit, but credit is too important to let this inaccurate information go unchallenged.
Good job stepping in and bringing some temporary sanity to that website.
I'm a long time poster in the credit section on Y!A and a devoted CB'er.
Slimick and Latebreakfast are excellent posters, as you mentioned. In fact, I'd like to give Latebreakfast kudo's for her credit research over the past year to gain the knowledge to help the people on that site. She is definitely a quick learner.
Sadly there is only a handful of good posters in the credit section on that site and I will be glad to see other CB'ers posting.
I've spent more time posting on that site then on CB simply because CB does have quite a few knowledgeable people. Y!A is stuck with the CA's, DR fans and just plain idiots that seem to make it their mission to mislead others.
I do try to direct people to CB. It is difficult since so many CA's and other trolls are quick to report the link, but it's not impossible to get the word out about CB.
Marcus, I did notice a couple of your posts on there a few days ago. When I started reading the first post it was nice to see someone new who was posting solid information. As I scrolled down your answer I noticed the link to your blog. I didn't know it was you, I just thought it must be another from CB. Your in voting answers now have an extra vote :)
Anyway, I wanted to thank you for bringing up the plight of those people who ask questions on that site. I hope every person on CB hits that site at least a couple times a week, even if it is to answer only one or two questions.
Perhaps I should pay a visit.... without the kid gloves that get worn everywhere else. :)
Guys, thanks for the thoughtful comments.
Spend a little time at Y! Answers and it becomes obvious that there is a real need for our information. While many of the people asking questions are young, there are older people, with real problems, who are seeking answers there as well. I wish that I could blow them off, but I feel compelled to give them good answers.
I have noticed several of my readers over there answering questions in the past 12 months. Nice.
If you are trying to link back to CB or here, make sure that you put http:// in the link -- otherwise the link remains text only.
Also, I have seen some people put creditmatters123blogspot as a reference site. Just FYI, it's creditmattersblog.com. I am weaning the old blogspot domain name.
Jake, I see you over at Y Answers. Good job.
Oh boy. What's really scary about Yahoo Answers is that all you have to do is string a sentence together and -sound- intelligent, and people automatically assume that you -are- intelligent. I'll have to give a peak later today - while I am far from being an expert, I feel like I have learned so much from both here and CB... and it feels like the limited information that I have in my arsenal is still worlds more accurate than some of the garbage spewed over there. Credit is not evil. DEBT is evil. And there is a difference between the two.
Mona, see ya over there.
"Be oober careful" LOL!!! ROFLMAO! that should have been the dead give away. I'll go check out that site for some entertainment. and hey, maybe I'll know an answer or two.
yr
YR, yes, it is a hoot, indeed. An "oober" hoot. LOL.
Hey, if any of you see "latebreakfast" please give her a thank you. Also, tell her to come visit us over here.
"What happens if I don't pay American express $7000?"
"Latebreakfast, if you're out there, I just wanted to give you a tip of the cap. You're educating people on that forum one day at a time. Nice job."
I am deeply honored and quite humbled by your mention of latebreakfast on yahoo answers, in this blog. That screen name happens to be me! By my coming to this blog daily, CB, and experience, I am able to answer questions for people that I have researched or been through.
Thank you Marcus!! Tee hee! Coming from you, I can now feel as though I am really helping people with the correct answers.
Oh yeah, and I have a link to your blog in my profile!
someone finally said it (again) the internet is a great resource too, if you're looking at a credible site! I am glad this site has proven itself to be reliable, not just through your words, but also through your own experience as well as others.
Thank you for educating us and preventing us from credit ignorance any longer!
(BTW- great article)
Jake, nothing happens. Amex wipes the slate clean and welcomes you back with open arms. LOL.
SB, that's so funny. I had no idea you were out there doing that work. Great stuff. I meant every word that I said. You're sharp and you answer the questions you know the answers to. A lot of those dingbats are out there winging it -- seeing what will stick.
It's a sad state of affairs over at YA.
SB, thanks for being a daily reader. Keep up the great work.
T, thanks for the comment. You are very welcome. I am just passing along the stuff I learned along the way. Because of my writing background, it's a little easier for me to convey the information. I have no doubt that many of my readers know exactly what I know. I might just be a little better (maybe) at conveying that information.
Thanks for reading.
Oh it is just sad how dumb some people are. And worse, they are spreading their stupid around!
And I like the new look around here. The blue is perty!
Lion, those Yahoo idiots are spreading a lot of stupid around, too. I figure if each of us answered a few questions a day we'd be helping the world!
Glad you like the look. Still working on things around here.
She deserves that $1300 television, Marcus.
Jake, yes indeed. That she does.
I'm not sure about what others here think, but the simplistic and often-wrong grammar used on Yahoo Answers leads me to believe that both the askers and respondents are in their teenage years. At least, I hope so.
If you want a real hoot, go flip through some of the medical and legal questions over there. Frightening at best.
That said, similarly frightening are the common misconceptions about debt and credit cards. I think I've counselled at least 4-5 different (late 20's-early 30's) friends this year on financial matters. Everything from buying a car (without having any credit history) to simple "Don't buy s*** you can't afford™" sessions, where even "afford" had to be defined. The one person somehow racked up ~$10k in CC debt and just sent each creditor "$5 or $10 a week" and didn't understand why the CCC's were sending them to collections and calling/sending nasty letters. On top of it, they kept spending on more things they didn't need and applying for more credit cards one they maxed the limits on all of the ones they had. I couldn't believe it. For those curious, the resolutions are at the bottom of the message*.
Also, has anyone else noticed that the majority of the "immature" blogs tend to paint credit cards as evil and promote the more-risky (less-protected by law and no barrier between fraudulent transactions and your checking account) debit cards? I've also noticed that people who don't pay-in-full every month also have a very negative view of credit cards as well. Credit cards have been great for me. Easier accounting/expense reports, better track of where my spending is, and of course the credit card perks (miles, concierge, travel upgrades).
----------------------------------------
*
For those curious:
Person w/desire for new car:
I had the person with no credit history delay the purchase by 8 months and got a single credit card and use it for daily spending and pay-in-full every month. I also had them put about 40% down on the car. End result? 4.5% 3-year loan from their credit union. Also helped them negotiate a very good deal on the car. Even after 4 months, they could still sell the car and make money or break even at worst.
The person with credit card debt and no sense of spending/budgeting was a bit more challenging. Ended up doing an intervention of sorts with other friends involved and pooled resources to reduce risk. We made the offer of the person giving us ALL of their credit cards. In return, we'd make them a 3% interest loan and at least stop the bleeding of universal default interest rates. Also gave a few CAs drop-dead offers for payment ~1/2-1/3rd what was actually owed on-the-spot via cashier's check sent via FedEx overnight in return for removal of the CA from the credit reports. Told them the offer only stood for 12 hrs. Take it or leave it. All of the CAs grumbled but most took the offer.
Also did some MAJOR attitude changes towards spending and education on credit reports, credit scores, background checks by employers, landlords, etc. The person was totally clueless that any of this could affect her changing jobs and changing apartments.
Started them with an all-cash setup. When the paycheck comes in, you send us $x towards paying down the loan, then you withdraw $x cash for spending this week and $x to be put away in an online savings acct. The OSA was done to prevent the person from having easy access to their savings, leaving them solely dependent on the cash withdrawn at paycheck deposit to live on. Amazing how LESS tempting a new outfit is when you're staring at a wallet with $50 that you have to buy groceries + gas for the next 5 days with. Also during this time, we have the person's cell phone bill (only phone, had them cut out cable TV & landline) auto-bill to the only credit card they still had in good standing, to help re-establish a good payment record.
Those of us making the loan figured it was more of a gift than loan, not expecting to get paid back in full. That's also why we distributed the risk amongst several of us. A "Prosper" among friends, if you will. So far, the person's paid back about 60% of the loan, on-time. I'd still like to see more non-essential expenses cut out of their life (or taking up of a 2nd job...if you've got time to shop, you've got time to work).
Sean, great comment. Really.
I must say that I have some really good, thoughtful readers. Your post illustrates that point.
Your comment will definitely be useful for people who happen upon this story.
Thanks.
Thanks for the info but this doesnt surprise me. There is no way to verify answers with Yahoo Answers so take everything there with a grain of salt. The only place I look for credit info is here and CB.
Svt, smart. Here and CB should serve you well.
Unfortunately, a lot of the people asking questions over there don't realize that so many people have an agenda -- whether it be amassing a bunch of scoring points or touting Dave Ramsey and his kooky way of living.
Funny... someone posted about getting hosed after letting mommy use her credit. Was tempted to ask her to post the story on creditboards but didn't know if doing so would be a violation of Yahoo answer policy. I really should anyways....
I'm blaming Russ for sending us there. :)
Russ has a lot of fun over there, eh?? The worse that happens is that you'll get the comment deleted by Yahoo. Ask me how I know! LOL.
Today I told everyone that I was thankful that I could rate people now. I then proceeded to hammer a woman named JC. Ha!
Edited my post. :)
Suggested she seek expert assistance on CB. I'm a little curious as to how people will feel about OP's credit being ruined so mom can stay home and collect section 8 and food stamps.
No kidding. Crazy. Apparently people didn't like my answer.
Jake, the address for my site is http://www.creditmattersblog.com
The old blogspot address is no good.
Fixed it but a lot of those people are not ready for intelligent help.
Russ just lobbed a bomb in there. Said that no one was qualified to answer any of the questions. Said that crickets would chirp if only people who knew the right answers actually posted. Hahaha.
Aren't you Russ?
Didn't see the comment, may have been deleted already, LOL!
Yahoo deleted this answer from me.
Deleted Answer: "With the exception of Amanda, you can see why Yahoo Answers pretty much sucks for credit advice. A bunch of people with no experience (and not a single clue) are trying to give the person asking a question an answer. There is a reason why there is a nice write up over at Credit Matters about this place. Story here: http://www.creditmattersblog.com/2008/09/yahoo-i-have-found-mother-lode-of.html.
Could you imagine what would happen if people only answered questions when they knew the answer? This place would be a ghost town. Crickets would be chirping.
OP, here's the thing. Given your question, no one can answer your question in an intelligent manner. We don't know your scores. We don't know if you have a thin or thick credit file. We don't know if you are looking for a cash-back card or a low-interest-rate card. You don't give us enough information to fully help you. Unfortunately, given the answers you've received so far, you probably know about as much as you knew before posting your question.
Also, if you are new to credit, Discover and American Express are generally difficult to get. They like to see a credit history of at least two years. These are not the kinds of cards that you want to apply for if you don't have a credit history. If, however, you do have a fairly strong credit history, those are good companies to deal with. Discover and Amex are both well known for great customer service. If there's one problem with American Express, though, it's that they have really been reigning in credit lines (reducing them). If you're the kind of customer who likes to keep a balance, American Express is not the right card for you. They're a pay-in-full kind of place. Discover, on the other hand, will be a little more forgiving and tolerant. Best of luck."
I received the deletion for "solicitation." LOL.
Uh, they should have deleted it for me taking a hammer to their collective boneheads.
Bunch of wimps over there. Can't handle the truth.
Of course, a few minutes later, one of my other answers was voted "best answer."
Funny because someone is spamming the heck out of that place for high interest loans. One poster says "I need $4K loan" and the next one is always the same person with two websites. Maybe a few of them are just stupid enough to belive the posts are sincere.
Jake, the spam wouldn't be so bad if it at least had some redeeming quality. Alas, most of it does not.
I'd like to believe most of them are very young. Have seen a few CB people popping in to amuse themselves, err I mean help out.
It's not heavily moderated, though.
Not heavily moderated at all. I have also seen some CBers over there. Nearly half of my answers have now been voted as "best answers." LOL. I'd like to think that 75% should eventually be voted that way. I'm competing with a bunch of monkeys.
Now my expectations of a site run by Yay-hoo combined oxymoronically with the word 'answers' would be very low. So low I have never even visited.
BUT when I have to listen to Suze Orman give absolutely WRONG information about bankruptcy...change the channel. THEN I get Senator Obama giving worse misinformation. Thank the lord I have 3 TVs and a DVD player...they get a lot of verbal abuse (I don't think the napkin throwing is doing too much damage though)
Manatees, yahoo is sad. Sad state of affairs over there. More half of my answers have been chosen as "best answers." That's the good news. The bad news is that some of my competitors over there keep reporting my posts -- as violative of the rules. It's pretty obvious that those morons don't like what I am saying. I often answer both the question and hammer the other people answering questions. Haha.
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