Niggercattle finance - Kiwi Farms' Caleb Hammer Moment

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Knew some retard at college who literally got an allowance from his family but would still complain that he never had money. I later found out why: he'd been blowing thousands of dollars on Genshin Impact.
 
Bumping the thread with the news about BNPL affecting credit scores: FICO Unveils Groundbreaking Credit Scores That Incorporate Buy Now, Pay Later Data

Scoring Solutions​
June 23, 2025​
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BOZEMAN, Mont. — June 23, 2025 — FICO (NYSE: FICO), global analytics software leader, today announced the launch of FICO® Score 10 BNPL and FICO® Score 10 T BNPL, the first credit scores from a leading credit scoring provider to incorporate Buy Now, Pay Later (BNPL) data. These innovative scores, developed by FICO from data-driven research, represent a significant advancement in credit scoring, accounting for the growing importance of BNPL loans in the U.S. credit ecosystem.​
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As key additions to the FICO Score 10 Suite, the BNPL versions of FICO® Score 10 are poised to further enhance financial inclusion by applying FICO’s innovative approach to incorporating BNPL data along with mainstream credit reports. These scores provide lenders with greater visibility into consumers’ repayment behaviors, enabling a more comprehensive view of their credit readiness which ultimately improves the lending experience.​
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"Buy Now, Pay Later loans are playing an increasingly important role in consumers’ financial lives," said Julie May, vice president and general manager of B2B Scores at FICO. "By expanding our FICO Score 10 Suite with new models designed to incorporate BNPL data, we’re enabling lenders to more accurately evaluate credit readiness, especially for consumers whose first credit experience is through BNPL products. This innovation also supports our mission to expand financial inclusion by helping more consumers gain access to credit."​
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FICO Score® 10 BNPL and FICO Score 10 T BNPL were developed to harness the benefits offered by the incorporation of consumers’ BNPL data into calculation. FICO’s year-long joint study on BNPL data confirmed that a unique consumer behavior associated with BNPL loans is the potential for a large number of these loans to be opened within a short period of time. To address this, FICO developed an innovative approach that includes aggregating separate BNPL loans together when calculating certain in-model variables. This novel treatment has proven effective at capturing predictive signal from the inclusion of BNPL data while increasing FICO Scores for some BNPL borrowers.​
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In developing these new scores, FICO sought input from many of the largest lenders in the U.S., who recognized the need for a modern scoring model that includes BNPL data. Across this group, there was broad consensus: integrating BNPL data into credit scoring is a critical advancement that allows lenders to make more informed, accurate decisions while responsibly expanding credit access.​
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“Our clients tell us that FICO’s initiative to include BNPL data in credit scoring is a progressive step that acknowledges the evolving landscape of consumer financing,” added May. “By capturing a broader view of consumer credit behavior, lenders believe they can make more informed decisions, ultimately benefiting both the industry and consumers.”​
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FICO® Score 10 BNPL and FICO® Score 10 T BNPL will initially each be offered side-by-side with existing versions of the FICO® Score, at no additional fee from FICO. This approach allows lenders to evaluate the new BNPL-enhanced credit scores while continuing to use FICO’s industry-leading models they use today, ensuring a seamless transition and added value. ​
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FICO® Score 10 BNPL and FICO® Score 10 T BNPL is expected to be available in the Fall of 2025. For more information visit FICO Score | FICO Credit Score | FICO. ​
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About FICO ​
FICO (NYSE: FICO) powers decisions that help people and businesses around the world prosper. Founded in 1956, the company is a pioneer in the use of predictive analytics and data science to improve operational decisions. FICO holds more than 200 US and foreign patents on technologies that increase profitability, customer satisfaction and growth for businesses in financial services, insurance, telecommunications, health care, retail and many other industries. Using FICO solutions, businesses in more than 80 countries do everything from protecting 4 billion payment cards from fraud, to improving financial inclusion, to increasing supply chain resiliency. The FICO® Score, used by 90% of top US lenders, is the standard measure of consumer credit risk in the US and has been made available in over 40 other countries, improving risk management, credit access and transparency. ​
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Learn more at https://www.fico.com/en. ​
For FICO news and media resources, visit https://www.fico.com/en/newsroom ​
FICO is a registered trademark of Fair Isaac Corporation in the U.S. and other countries.​
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Contact ​
 
Guy at my job just got his car reprocessed by the bank, if he didn't spend all his money on cruises and booze he wouldn't have lost it. Blames the tow truck driver for his own stupidity.
 
One of the main things I've noticed about people I've worked with (specifically minorities) are fucking addicted to those gambling apps like PrizePicks or DraftKings. I remember one time a dude was telling me about how he was following some european high school basketball team and had money on it. I am someone who isn't afraid to burn money when needed, but if I wasn't already turned off by gambling, I am now.
 
You're MDNWU said:
the vast majority of people shouldn't buy a husky and I've been seeing an uptick in niggers and Indians buying them for some reason.
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It is because they got it from a family member that is already unethically inbreeding them for profit, besides huskies they do it with common popular breeds like gold retrievers, german shepherds, labradors etc.
 
Osama Bin Laden said:
One of the main things I've noticed about people I've worked with (specifically minorities) are fucking addicted to those gambling apps like PrizePicks or DraftKings. I remember one time a dude was telling me about how he was following some european high school basketball team and had money on it. I am someone who isn't afraid to burn money when needed, but if I wasn't already turned off by gambling, I am now.
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Gambling isn't a shunned enough vice. I used to work with a dude who married up and his fiances family blew an average of 1.2 Million a year at Windstar Casino. Fucking pathetic behavior.
 
You're MDNWU said:
Late as fuck, but adding on to husky talk; the vast majority of people shouldn't buy a husky and I've been seeing an uptick in niggers and Indians buying them for some reason. Probably the worst types to buy this particular breed.

These dogs are assholes, with more energy than most can burn, barely trainable and will still challenge you with how independent they are. They're smart yet dumb as shit at the same time. They will go blind among other common health issues. They need groomed consistently and brushed constantly; don't forget constant vacuuming thanks to all their hair. Your day off work and weekends will be focused on the dog or else you'll have destroyed shit; simple walks around the neighborhood are warmups; when I had mine I'd have to go on hour+ long hikes while they wore a dog backpack weighted with water bottles and the asshole would still chew on everything. They're supposed to calm down between 2-3; good luck.

Gorgeous dogs and I always debate on getting another but they're just not fucking worth it.


For clothing, I've been buying used Hugo Boss shirts on eBay for over a year now and have loved it. Kohls' Sonoma jeans have been pretty great as well when compared to Levi's; same for the Walmart athletic Wranglers but they never have my size.

Walmart has decent clothing; Chaps has been ok for their sweaters but with American brands, I've realized I have to step down in size to a medium or else I'll look like a fat fuck when wearing large.
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I agree, the breed is too popular, but the issue is the people who buy them. My huskies have all been rescues. Without any prior experience, Ive managed to crate train all of them. Leash training, not so much, but they dont go jumping on people or get aggressive with children. Before we moved, they would stay in our unfenced yard without strict supervision (they would hang out while we grill or garden.) They require minimum 5 miles a day, and a fair amount of attention, but thats why we got them in the first place. If someone is leaving them in a crate for 12 hours and having them walk a few laps around the yard for exercise, thats a piece of shit person, not a piece of shit dog. You can tell the inbred ones from the well bred. The difference is obvious in intelegence and personality.

People who own huskies in the south are pieces of shit though
 
RA-5C Vigilante said:
People who own huskies in the south are pieces of shit though
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There's been an alarming amount of husky owners in the places I've lived. There's no way it's safe for them in the humid summers, where one sweats just by walking outside for a few minutes.
RA-5C Vigilante said:
The legalization of online sports betting is going to be studied as a generational catastrophe, mark my words.
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And there seems to be no way to escape it. Everything tangentially tied to sports will run ads for online sports bookies.
 
Went out for a drink with an old friend recently. He spent $150 on the poker machines before I arrived and flushed another $100 while I was out in the smokers'. This was while he was spending light because he had spent so much on alcohol the night before he was too anxious to even look at his bank account. He reportedly spent $500 on a single round of drinks. This guy at least makes good money, but he certainly won't have it for long if he doesn't change his ways. He works construction, God forbid he injures his back or something.
 
Major said:
worst part is you have to actively look for natural fibres and pay a premium for them.
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I personally don't buy anything new and like used clothes shopping on e-bay, The trick is to measure yourself, know what suits you, and only buy things where there are measurements and clothing tags shown in photos. You can get real wool, silk, linen as cheap as the poly shit.

If you have a wardrobe of classically nice clothes that suit you, are made from durable fabric, and look good together, you can go years and years without having to buy substantially more.

That being said, my vice is really nice vintage leather boots. But I only have three pairs and they last forever, so... I don't know how exactly niggercattle that is.
 
Meat Grinder said:
I personally don't buy anything new and like used clothes shopping on e-bay, The trick is to measure yourself, know what suits you, and only buy things where there are measurements and clothing tags shown in photos. You can get real wool, silk, linen as cheap as the poly shit.
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Do you have any recommendations as to where to look?
 
The Hardest R said:
There will be this Boomer reckoning when they all try to sell their houses at roughly the same time when their retirement financial calculus assumes they can get peak pricing with it. Will they stubbornly hold onto it or will they just fire sale it and get far less than what they’re planning, which ensures that they will run out of money in their final years? Bonus points if they just assume their children should be expected to take care of them, even though they refused to give them the house. Hope those kids tell their boomer parents to eat shit.
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(((Obar Lazcano Kamz))) said:
The boomers would rather die than sell at a loss of potential profit, theres no way any of them will sell except to corporations or outside foreign billionaires.
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Yeah, no one is going to be able to buy their homes because they're going to be too fucking stubborn. They'll have to sell at some point to pay for their assisted living/hospice and if they're going to be a strain on the system, prices for such care is going to skyrocket, meaning the only people are going to be able to pay for the homes at the price needed for that care is going to be private equity who are only in the game for turning those homes into rentals, worsening the home ownership problem. For these boomer homes that are in these ultra rich areas, makes you think how many of the millennials and zoomers are going to be even able to afford the property taxes, HOAs, insurance, etc., if they do manage to inherit the property, and when that becomes a burden who are they going to be able to sell it to? Boomers have completely fucked us with their bullshit...

DrakosBiz said:
It feels weird being Gen Z and having more in my retirement than the boomers and millennials at my job.
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This is very concerning to me. It seems like millennials want to save for retirement, but have still picked up the same consoomerism from their boomer parents. And this isn't me denying genearl Gen Z consoomerism either, there's still a shit ton of that.

And I'm definitely the same way, my mom taught me to live off half my income and save/invest the rest of it. Pretty extreme, but it's worked and I have plently of savings in case shit hits the fan.
 
Squanto Airi said:
Do you have any recommendations as to where to look?
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I would say the search feature is your friend, especially refining by size, category, colors, material, and "used/pre-owned". Often you'll only be left with a manageable amount of results to look through, since most of e-bay is dropshipped chinese shit tagged as new. If you start making these specific searches for pieces you know you're looking for (ex. "ribbed silk mock neck sweater" => women's XS/size 4/ size 4P + black/beige/cream/pink + silk/100% silk/ silk blend + used), you can find them fairly readily, and then eventually the e-bay algorithm will start churning out some decent recommendations. Helps to know specific vintage brands you like.
 
I love the stories of Longpostguy, a guy on /o/ that worked as a second hand car dealer. He shared some of his favorite niggercattle finance moments. People that come in with ragged credit scores that end up with a 28% interest rate for 72 months on a shitbox that probably won't last the next 6 years they're paying.
The dealership has a 4 tier system for the banks that extend loans.
T I: Sterling credit rating, Person has a long line of credit he always paid off. Will get a nice loan with a low interest rate for a reasonable time.
T II: Someone newer or someone who might've been late once or twice. Or might not have any money for a down payment. Good rates.
T III: questionable borrower, will have some black marks on record, will have to suffer.
T IV: Niggercattle finance. Loan sharks that will ask for 28.9% interest (legal max.), all personal details and a tracker on the car for when it needs to get repossessed.
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Waffle Iron said:
I love the stories of Longpostguy, a guy on /o/ that worked as a second hand car dealer. He shared some of his favorite niggercattle finance moments. People that come in with ragged credit scores that end up with a 28% interest rate for 72 months on a shitbox that probably won't last the next 6 years they're paying.
The dealership has a 4 tier system for the banks that extend loans.
T I: Sterling credit rating, Person has a long line of credit he always paid off. Will get a nice loan with a low interest rate for a reasonable time.
T II: Someone newer or someone who might've been late once or twice. Or might not have any money for a down payment. Good rates.
T III: questionable borrower, will have some black marks on record, will have to suffer.
T IV: Niggercattle finance. Loan sharks that will ask for 28.9% interest (legal max.), all personal details and a tracker on the car for when it needs to get repossessed.
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Somebody made a collection of all his greentexts as a PDF
 

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Thiletonomics said:
A redditor went with his GF to her to purchase a new Nissan Sentra, and the salesman messages back a few days later to re-sign the paperwork with new loan terms: / Archive.today / Ghostarchive

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The car was initially financed at 24% for $23k for 72 months with a $500 down payment, and the GF also has bad credit too at only 589:

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This is the textbook example of both a buyer and the partner being both financially illiterate. And I don't want to know how bad the re-sign paperwork loan term would be.
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Xposting from the reddit general. Some woman took a ~23k loan with 24% APR for a new nissan sentry. Got a text from the seller to resign a contract. Can be anything from pumping her full of extras to ghostselling her the car and now putting it on a proper bank loan.
 
we were doing a job at some car repair place and one of the desk ladies had a miniature australian shepherd with her. other coworker asked very humbly how much she paid for it, i think it was at least $3000.
three thousand usd on a fucking meme dog that sits in your purse
 
sodaboard said:
we were doing a job at some car repair place and one of the desk ladies had a miniature australian shepherd with her. other coworker asked very humbly how much she paid for it, i think it was at least $3000.
three thousand usd on a fucking meme dog that sits in your purse
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TBF purebred dogs are expensive as fuck, especially if you get one that isn't weighed down by a gazillion diseases from the rampant incest.
 
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