Sammy and minnyfatty. Video

[vitterd]

You may not like it but it is a legal, highly regulated business that provides a legitimate service to people who have few if any options when it comes to cashing checks. Minny is getting paid for taking a large risk.

You can either start your own business providing the same service at a reduced cost or write your congressman and tell him to change the laws on Pay Day Loans.

The regulations are very weak. They tried to change the laws but Trump and his boys were not having it.

[vitterd]

Exactly

It's ment to be a crutch, not a permanent thing lol

Lol. You pray it’s a permanent thing. You encourage it. I guarantee 90 percent of your business are bi weekly customers who are chasing the weekly vig.

Look, it’s a predator type business….do what you do but let’s not act like this isn’t legal loan sharking.

[dustyy]

The regulations are very weak. They tried to change the laws but Trump and his boys were not having it.

I don't believe that Trump was president of the state of Minnesota. States have the right to prohibit Pay Day loans. You can't get one in the state I live. Always Trump with you guys

[MinnesotaFats]

I don't believe that Trump was president of the state of Minnesota. States have the right to prohibit Pay Day loans. You can't get one in the state I live. Always Trump with you guys

Like I said before, men like Vitty think w emotions, not logic.

You can remind him time & time again about what conventional banks do and don't do, who they serve and don't serve, what they require for services and don't require, etc

It doesn't matter to him. His opinion is emotional, not logical.

My max legal rate is the same as AmEx or CapOne. It's that simple.

Vitty is advocating for a coalition of people in a cycle of poverty, which is admirable, but let's look at the underlying facts of those personal choices that lead to self destruction of one's finances. ...eating out, over spending, not prioritizing, too many kids, shopping at wrong places, not caring for private property or goods, lack of education, etc

It's a cultural failure. It's a defiecent culture.

If it becomes cyclical poverty that's on them. I'm here to get a guy over the hump, no questions asked, for a fee.

I solve problems, logically and immediately, whereas Vitty & his political heros, create them.

[vitterd]

I don't believe that Trump was president of the state of Minnesota. States have the right to prohibit Pay Day loans. You can't get one in the state I live. Always Trump with you guys

I’m sorry if you don’t like the facts but trump rolled back regulations for these payday these to operate like the wild Wild West.

If you look at the facts. National avg rates are 400 percent for payday loans and some states can go as high as 600 percent.

About 80 percent can’t pay them back in 2 weeks because of this high rate. By rolling back regulation, and that was trump, it’s now just legal fleecing.

[vitterd]

Like I said before, men like Vitty think w emotions, not logic.

You can remind him time & time again about what conventional banks do and don't do, who they serve and don't serve, what they require for services and don't require, etc

It doesn't matter to him. His opinion is emotional, not logical.

My max legal rate is the same as AmEx or CapOne. It's that simple.

Vitty is advocating for a coalition of people in a cycle of poverty, which is admirable, but let's look at the underlying facts of those personal choices that lead to self destruction of one's finances. ...eating out, over spending, not prioritizing, too many kids, shopping at wrong places, not caring for private property or goods, lack of education, etc

It's a cultural failure. It's a defiecent culture.

If it becomes cyclical poverty that's on them. I'm here to get a guy over the hump, no questions asked, for a fee.

I solve problems, logically and immediately, whereas Vitty & his political heros, create them.

Let’s not confuse the issue. You are there for you. Because you can bust people who don’t have any other choice. Hell, I dealt with a single mom who got destroyed by payday loans because her ex wrecked her credit and she couldn’t even open an account because she was flagged at banking institutions. None of that her fault. She ended up spending thousands at one of those rip-off joints and the people who suffer are her people like her young daughter.

It’s really a moral issue. If you don’t have a problem with getting bj’s to extend loans and making the poor poorer….that’s on you. No way in hell I’m living like that.

[MinnesotaFats]

I’m sorry if you don’t like the facts but trump rolled back regulations for these payday these to operate like the wild Wild West.

If you look at the facts. National avg rates are 400 percent for payday loans and some states can go as high as 600 percent.

About 80 percent can’t pay them back in 2 weeks because of this high rate. By rolling back regulation, and that was trump, it’s now just legal fleecing.

This is a lie Vitty and you know it.

What you are referring to is income verification. Obama CPB required PayDay loan companies to verify income, however it never set parameters for that, and it never defined what qualified as income. It then rolled back the verification rule because the definition of income was never put in writing and neither Congress nor the CPB would define it.

Example: is disability payments income? Child Support?

Legally, 1 is, 1 isn't. But what prohibits a mother from borrowing against child support for future needs? After all, it may not be income, but she can obtain a collection action against it.

See the reason why Obama era rule was flawed here?

[MinnesotaFats]

Let’s not confuse the issue. You are there for you. Because you can bust people who don’t have any other choice. Hell, I dealt with a single mom who got destroyed by payday loans because her ex wrecked her credit and she couldn’t even open an account because she was flagged at banking institutions. None of that her fault. She ended up spending thousands at one of those rip-off joints and the people who suffer are her people like her young daughter.

It’s really a moral issue. If you don’t have a problem with getting bj’s to extend loans and making the poor poorer….that’s on you. No way in hell I’m living like that.

It's not her fault she married him?

Really?

Do liberals believe in any accountability anymore?

There's an excuse or apology for everything if you're a liberal. It doesn't matter- if you need money, if you have a debt, I resolve it, right there, for a fee.

[Auto Donk]

yes, bitcherd, we all know you'll never live like that......

no, no way, as you live life being the one on your knees blowing a loan shark for another week to pay, you broke ass non-pro cokksucker.....

[vitterd]

This is a lie Vitty and you know it.

What you are referring to is income verification. Obama CPB required PayDay loan companies to verify income, however it never set parameters for that, and it never defined what qualified as income. It then rolled back the verification rule because the definition of income was never put in writing and neither Congress nor the CPB would define it.

Example: is disability payments income? Child Support?

Legally, 1 is, 1 isn't. But what prohibits a mother from borrowing against child support for future needs? After all, it may not be income, but she can obtain a collection action against it.

See the reason why Obama era rule was flawed here?

It made you guys follow the same regs as banks and no chance you guys could do that and make decent money. That was the problem and why your lobby fought so hard against it.

[vitterd]

It's not her fault she married him?

Really?

Do liberals believe in any accountability anymore?

There's an excuse or apology for everything if you're a liberal. It doesn't matter- if you need money, if you have a debt, I resolve it, right there, for a fee.

So somebody married bad and she deserves huge interest? What? Nicole Simpson married bad, I guess she deserved her death. It’s not about accountability….the entire system is flawed and predatory lenders prey on that.

[vitterd]

yes, bitcherd, we all know you'll never live like that......

no, no way, as you live life being the one on your knees blowing a loan shark for another week to pay, you broke ass non-pro cokksucker.....

Doosh….I could buy your little one story crummy house and your broken down farm with one legged chickens. Get lost you broke drunk.

[MinnesotaFats]

So somebody married bad and she deserves huge interest? What? Nicole Simpson married bad, I guess she deserved her death. It’s not about accountability….the entire system is flawed and predatory lenders prey on that.

Yeah buddy. Dating losers, marrying assholes, it has consequences and you live w that or pay the price for it.

Tell your friend to stop whoring, date nice educated white men, and life a cleaner life OR be prepared to pay the price for being an irresponsible person.

[dustyy]

So somebody married bad and she deserves huge interest? What? Nicole Simpson married bad, I guess she deserved her death. It’s not about accountability….the entire system is flawed and predatory lenders prey on that.

Why don't you or someone else with a boat load of cash go out and start a company that offers the same services for less fees?

The risk is too great or it would have been done many times over. All this sounds great but in the real world it is ivory tower theory and in the real world this theory has a huge failure rate

[vitterd]

Yeah buddy. Dating losers, marrying assholes, it has consequences and you live w that or pay the price for it.

Tell your friend to stop whoring, date nice educated white men, and life a cleaner life OR be prepared to pay the price for being an irresponsible person.

The guy was white and more educated than you. Sorry to break your usual stereotyping. Being racist and sexist is really the only type of people that can get in the business you’re in though.

[vitterd]

Why don't you or someone else with a boat load of cash go out and start a company that offers the same services for less fees?

The risk is too great or it would have been done many times over. All this sounds great but in the real world it is ivory tower theory and in the real world this theory has a huge failure rate

Why the hell would I do that? I have no desire to make money off the backs of those that are struggling the most. I’m to nice a guy to do that.

Besides, minny inherited this stuff. It was full proof for him and basically no risk. Sounds like him and pops have been getting BJ’s from poor people for decades if they can’t pay the weekly juice.

[MinnesotaFats]

The guy was white and more educated than you. Sorry to break your usual stereotyping. Being racist and sexist is really the only type of people that can get in the business you’re in though.

LOL

OK now we all know you are a 100% lie

Dude, just log off

You are finished

[vitterd]

LOL

OK now we all know you are a 100% lie

Dude, just log off

You are finished

Oh yeah…White guys never do that!! Lmao. Your racist and sexist bullshit is disgusting. That’s why you can do what you do and abuse your customers along the way.

Like black guys are the only abusers and fuxck people out of money. Every Ponzi scheme is a white dude. You’re stuck in your little bubble in a bad area of minnesota. Hell will enjoy your presence

[dustyy]

Why the hell would I do that? I have no desire to make money off the backs of those that are struggling the most. I’m to nice a guy to do that.

Besides, minny inherited this stuff. It was full proof for him and basically no risk. Sounds like him and pops have been getting BJ’s from poor people for decades if they can’t pay the weekly juice.

I'm shocked that you missed the point. The margins are high because the risk is high. If someone wanted to open a business and charge less for the service but still make a profit, it would have been done.

Your example of the woman being destroyed by PD loans is ridiculous. The decisions that lady made in her personal life destroyed her long before she cashed her check. PDL is an example that you and others use to excuse poor decisions or behavior. There should be more options for her and others but unfortunately, there aren't. Hopefully she can find a way to escape the issues that prevent her from being successful

[MinnesotaFats]

I'm shocked that you missed the point. The margins are high because the risk is high. If someone wanted to open a business and charge less for the service but still make a profit, it would have been done.

Your example of the woman being destroyed by PD loans is ridiculous. The decisions that lady made in her personal life destroyed her long before she cashed her check. PDL is an example that you and others use to excuse poor decisions or behavior. There should be more options for her and others but unfortunately, there aren't. Hopefully she can find a way to escape the issues that prevent her from being successful

I'm beginning to think the guy is just a kid trolling.

If you follow the last 24 hours of dialog here, the conclusion is that he's an ideological clown, cannot sustain an argument, cannot articulate points or facts, cannot counter punch critics with information and desires only to create chaotic dialog that lacks substance.

He's finished, guy is a lie, a nobody.

[vitterd]

I'm shocked that you missed the point. The margins are high because the risk is high. If someone wanted to open a business and charge less for the service but still make a profit, it would have been done.

Your example of the woman being destroyed by PD loans is ridiculous. The decisions that lady made in her personal life destroyed her long before she cashed her check. PDL is an example that you and others use to excuse poor decisions or behavior. There should be more options for her and others but unfortunately, there aren't. Hopefully she can find a way to escape the issues that prevent her from being successful

You can go online and find many examples of people who were beaten up badly by predatory payday loans. I’ve never done a payday loan but I have seen the impact. It’s a killer for many people.

It’s really not a risk for a guy like minny because it’s an inherited business that’s been there before him. Those businesses are easy money makers in certain areas and putting up another one with lower fees is not something likely to work. Because it’s 99 percent repeat business, most everybody will go back to what’s familiar. And most are in the cycle of paying every week to the same place. Minny has virtually no risk in this business at this point. It’s printing money at this point. Poor people money.

Plus I think he’s established himself as a scummy guy by taking BJ’s for extensions. Cmon.

[vitterd]

I'm beginning to think the guy is just a kid trolling.

If you follow the last 24 hours of dialog here, the conclusion is that he's an ideological clown, cannot sustain an argument, cannot articulate points or facts, cannot counter punch critics with information and desires only to create chaotic dialog that lacks substance.

He's finished, guy is a lie, a nobody.

I’ve buried you and I’m not even in your business. You can’t even defend yourself after you tried this act that you’re some great community hero just trying to help. Gimme a break. You might as well wear a mask and just steal their wallets.

[DiggityDaggityDo]

Minny, put a live cam in your office so we can watch the action go down.

[MinnesotaFats]

Minny, put a live cam in your office so we can watch the action go down.

Shoot me a PM w a #, I'll send ya a video.

I post a lot of them on Adult Friend Finder but it's been 6 months since I put one up lol

I think I posted a photo earler but by accident showed some cawhk lol it was right around the time of the sale here so I got away w it

[ttwarrior1]

dang dude u gained some weight

[MinnesotaFats]

dang dude u gained some weight

I bulked up for lifting, been going hard. Wanna get to 400 lbs on press

[dustyy]

You can go online and find many examples of people who were beaten up badly by predatory payday loans. I’ve never done a payday loan but I have seen the impact. It’s a killer for many people.

It’s really not a risk for a guy like minny because it’s an inherited business that’s been there before him. Those businesses are easy money makers in certain areas and putting up another one with lower fees is not something likely to work. Because it’s 99 percent repeat business, most everybody will go back to what’s familiar. And most are in the cycle of paying every week to the same place. Minny has virtually no risk in this business at this point. It’s printing money at this point. Poor people money.

Plus I think he’s established himself as a scummy guy by taking BJ’s for extensions. Cmon.

I thought he inherited a beer distributorship and opened PDL on his own but I haven't been following the entire thread.

I am going to pass on commenting about the BJ part but the guy is operating a legal business. We all pay our dues in life and if people use his service as intended by borrowing short term than more power to him. It seems as if it is either PDL or nothing.

[The Kraken]

Well put man! Pay day loans have helped me out plenty of times!

go figure

[ttwarrior1]

good deal, hard not to gain weight and lift those heavy weights. Maybe you can compete in a contest
I want a rematch, lost 40 since the last time we played

[MinnesotaFats]

good deal, hard not to gain weight and lift those heavy weights. Maybe you can compete in a contest
I want a rematch, lost 40 since the last time we played

Always available

You still in KY? I might drive thru in mid March

[ttwarrior1]

evansville indiana, across the bridge from ky now

[MinnesotaFats]

I thought he inherited a beer distributorship and opened PDL on his own but I haven't been following the entire thread.

I am going to pass on commenting about the BJ part but the guy is operating a legal business. We all pay our dues in life and if people use his service as intended by borrowing short term than more power to him. It seems as if it is either PDL or nothing.

I never had ownership, my father & Uncle did, from their father, who did from his father. I was the operating manager for the last 5 years, so I didn't "inherit" money from it, at least not until Dad passed away in 2012.

I was doing the loans prior to that. I consider myself self made, and the education of life along the way, the ups & downs, to be world class!

[edawg]

I never had ownership, my father & Uncle did, from their father, who did from his father. I was the operating manager for the last 5 years, so I didn't "inherit" money from it, at least not until Dad passed away in 2012.

I was doing the loans prior to that. I consider myself self made, and the education of life along the way, the ups & downs, to be world class!

Be careful with your pride there is no such thing as being self made. For a bigger bench work your medial head (inside of your arm just above your elbow) of the triceps hard along with your upper back. When on the bench push your back down and up the bench as hard as you can like you are trying to push yourself off of it.

[vitterd]

I’m flying to minnesota for a payday loan tomorrow.

[MinnesotaFats]

Be careful with your pride there is no such thing as being self made. For a bigger bench work your medial head (inside of your arm just above your elbow) of the triceps hard along with your upper back. When on the bench push your back down and up the bench as hard as you can like you are trying to push yourself off of it.

Been studying techniques here, I'm maxing out 385ish and can't find a technique or cheat to get over the hump.

I go 405 and I need help off the chest (I can get it off the rack). Been 3+ months here. I change up things and wind up back down to 365ish....

I think age has caught up w me