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Once again, it's time for the FNGT!

If you don't know how this works, . 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 TheBuddha.

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 .

# **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 TheBuddha. 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

Yeah, I never pay interest unless my money is making more than I'd pay in interest.

If my money can make 13% interest and I can get a loan for 4% interest, I'll take the loan.

But, I otherwise ain't paying interest. I'm sure as fuck not paying the interest rates that credit cards have. Fuck that noise.

[–] • 0 pt

Credit cards are a massive rip off. I don't have any nor do I want any

[–] • 0 pt

Credit cards CAN BE awesome. You just have to pay it off before the interest is charged. That's what everyone doesn't do. If you pay off the bill in full, you're just borrowing their money all month and not paying any interest.

And, they trashed a perfectly good XJ body - to make a fucking grill because one of the owners didn't like a small store-bought grill.

Fucking pricks.

[–] • 0 pt

Most people use the credit cards cause they dont have the money

Those bastards!