Is Honesty The best Policy?

[Tough Old Man]

WTF is going on here at Pro Muscle..Am I the only none perfect person here..

Lets take my post on Credit Cards..Is everyone here rich or something..Although by no means am I rich, I'm not poor..But lets look at the replies I received..My original post on Credit Cards was two different banks raising my interest rates when I have never been late and all payments to them are at least double the min amount due..Replies were "pay the total off or pay the monthly balance in full ea month"..None were yeah the banks are getting money cheap but yet because they fucked up they want to shaft the rest of us..or samething is happening to me and maybe everyone should get together for one month and refuse to pay their bills in protest..Personally I think this might have the banks re-think their position..

Now on to the use of Anabolic Steroids..What am I the only person that uses more then a total of 500 mgs of anabolics while cycling..WTF, probably 90% of the people that post here use twice that amount.

Pro Muscle is my favorite site out of all that I belong to but I Guess Honesty is not the best policy here at Pro Muscle. I see way to many post that I believe people are just afraid to speak the truth about what's real and what's not.

 

[gtj220]

You tend to get a bit of crap on here if you admit to a higher dose than people approve of it seems, who needs the hassle. There are alot of folks on their moral high-horse in regards to aas use when in reality this board would not exist without juice, just look at the sponsers. Now I know there are those that go WAY overboard with huge cycles (I remember big heinz posting his) but it just seems that people like to bash people folks. Like all those saying how shitty Cutler has been and he's done etc. And how bad Ronnie looks now, people in bodybuilding can be so negative and jealous. Bashing folks for the same things they do (using the juice) is no different.

 

[1love]

Look the banks ain't taking a different position until they are forced to. Everyones best bet is to pay them off. If you can't (and your not alone)then your going to have to grin and bear it for awhile. By protesting all your going to do is screw yourself. No one says we are all rich, hell look at all the people struggling for extra money just to buy aas sometimes. Priorities always come first(meaning bills and what not). Its a crappy situation everybody is in all over. And from what I observe, is that everyone is different on aas usage because it's all relevent to what works for you. Don't get upset, yes there will be some who exagerate the truth (nicely worded) but that is also not different from everywhere else. Relax a little and take it all in stride. And just ignore the ones you feel aren't being honest, it's pretty easy to weed them out. Pm has a lot to offer just don't take it all personally.Good luck.

 

[rAJJIN]

Tough Old man,
hey old friend if it makes you feel bettter I only pay the Min on my 2 cards
and 500mg test isnt even enough for a proper front-load

 

[Thick1]

Because of the credit crisis, one credit card company namely Chase Bank - Fuck them has increased the payment from 2 percent to 5 percent, in other words the minimum payment more then doubled. There was really no warnings, I also was never late and always paid more then the minimum and that is how I was rewarded.

As for AAS use, I do preach less is better as I have done my share of mega dosing in my younger days and for what the mega dosing got me sick. I try to share my experience to others to be smart and do things sanely and safely.

 

[W8killa]

It seems the vogue to talk shit about anyone who uses over 500 mg/week of gear for more than 6 weeks. Everyone here knows the risks vs rewards, laws of diminishing returns, etc. I had enough lectures from my old man growing up.

I find it entertaining when a "trainer" tells you a few diet tweeks will work wonders. Just drop him the payment via paypal and he will tell you what the 99% of things you are doing wrong are. The magic bullet is cheap!

What ever happened to being your own scientist? Keeping records, deducing your training, reviewing facts vs. superstitions, critical thinking, reason, logic, on and on. Put your own analytical skills to work. You will be amazed how much you actually know.

 

[Wonton]

Credit card co want to raise rates on existing balances because come FEB they won't be able to raise rates on exisisting balances.

When they raise you can call and opt out...and continue to pay the old interest rate---Opt out means scrw you credit co...I want out-no more card from you but my existing i will continue to pay.

Have the read the dooo hickkky thing sent with the rate increase!!

also - you can call and ask for a lower interest rate - if they already got jacked up -- or even if they didn't you can ask for lower rate.

Did that this year ---got 14% then 2 month later raised it to 19%

but while they where raising -- i was sending them full payment on account..so scw them

I will shop around for credit cards come March of 2010

normally i don't use them just to keep my credit report flowing

WTF is going on here at Pro Muscle..Am I the only none perfect person here..

Lets take my post on Credit Cards..Is everyone here rich or something..Although by no means am I rich, I'm not poor..But lets look at the replies I received..My original post on Credit Cards was two different banks raising my interest rates when I have never been late and all payments to them are at least double the min amount due..Replies were "pay the total off or pay the monthly balance in full ea month"..None were yeah the banks are getting money cheap but yet because they fucked up they want to shaft the rest of us..or samething is happening to me and maybe everyone should get together for one month and refuse to pay their bills in protest..Personally I think this might have the banks re-think their position..

Now on to the use of Anabolic Steroids..What am I the only person that uses more then a total of 500 mgs of anabolics while cycling..WTF, probably 90% of the people that post here use twice that amount.

Pro Muscle is my favorite site out of all that I belong to but I Guess Honesty is not the best policy here at Pro Muscle. I see way to many post that I believe people are just afraid to speak the truth about what's real and what's not.

 

[whiteknucks]

Tough Old man,
hey old friend if it makes you feel bettter I only pay the Min on my 2 cards
and 500mg test isnt even enough for a proper front-load

haha, we can always count on you Raj to tell it like it is! thanks!

 

[The BB Monad]

I have never used the credit on my credit cards - ever!

I feel if you don't have it then don't spend it.

It seems if you get dependant on credit you become a slave for life.

I know it isn't always easy to make ends meet but I'd much rather borrow a few 1000$ from a friend and then pay back when possible than apply for credit. Also, you have to have your priorities and discipline. Most of the things people buy on credit they don't really need.

Obviously all of the above do have exceptions though!

Also, I use more than 500mg AAS on any cycle!

 

[Thebigone]

I personally think the main reason why people here are iffy on the "dose" subject is probably b/c there are a lot of very young viewers here. Probably kids even under 18. In reality, im sure most those guys are using fairly nice doses.

 

[doug1]

why do you think i have so little posts in all the years i've been here?

 

[napaulm]

first, it's true. u can call and ask 4 a lower rate. most dont realize that.
and they'll oblige you to keep yr bizness.
2nd, i know guys who do a gram+ a week. i used 750 total before.
i think its the experience level and years that count. fuck the high dose haters. adults in the game know better.

 

[Tough Old Man]

Wow some good ass replies...I really thought I was going to get flamed for the thread and instead see as lot of positive replies.

As for Credit Cards, I try and charge on them every so often in order to keep them open..I have one that I owe around $400 and another around $1200 only cause I just ordered a lg screen TV and home theatre system 2 weeks ago from back east on the $1200 one. ..It was tax free doing it this way and not only that I refuse to pay a surcharge to Calif for a recycling tax. I can pay both these off, but prefer to pay 2/3 rds or more off to just keep them open..Credit cards do have their advantage like buying things online out of state to by pass taxes and things like recycling fees..Of coarse then you have the interest rate on the credit card.

 

[maldorf]

We like to use credit cards for the cash back. Things like food, pharmacy, gas are 5% back and then everything else is 2%. We put absolutely everything on the card each month and then pay it off each time so that we dont pay any interest. I would say that each year we get back about $300 total for the year. So there is a way to get something out of these companies.
I am really glad that the new legislation is going through. Back a long time ago when I first got out of college I fell into the trap of always having a credit card balance. I know the frustration and how unfair they can be. Now I am lucky enough to not have to live like that, at least for the time being. If my wife were to lose her job things would be very different. These days you cannot tell what the future has instore for you.

 

[qwerty_uk]

Lowering the rates would only encourage people to spend what they haven't got on stuff they dont need. Also isn't this one of the reasons we are in the current mess - bad debt, and having more unsecure loans aint going to help.

Surely the cheaper rates should be going to mortgages, and also with house prices being down its best for the comsumer who will get a cheaper/affordable house and the banks get safer albeit a lower return.

Not totally against Credit cards, good for rewards or protection, but I think most people wouldn't get a proper loan then spend that money on stuff they charge on their cards when they know they haven't got the money in the bank.

Not really the best for people in trouble with their cards but I doubt a few percent will save this type of person.

As for gear, I think a lot of people will use a high dose to get to a decent size where the high dose dont really help anymore and a lower dose will still maintain the size, and develop the 'lower dose is better'.

But works both ways some people will take 1g of test and say everyones bashing them for taking a large amount of test and focus on that because its the largest amount of AAS they are running but dont seem to take into consideration the other 750mg tren and the 50mg winny ED

 

[maldorf]

Lowering the rates would only encourage people to spend what they haven't got on stuff they dont need. Also isn't this one of the reasons we are in the current mess - bad debt, and having more unsecure loans aint going to help.

Surely the cheaper rates should be going to mortgages, and also with house prices being down its best for the comsumer who will get a cheaper/affordable house and the banks get safer albeit a lower return.

Not totally against Credit cards, good for rewards or protection, but I think most people wouldn't get a proper loan then spend that money on stuff they charge on their cards when they know they haven't got the money in the bank.

Not really the best for people in trouble with their cards but I doubt a few percent will save this type of person.

As for gear, I think a lot of people will use a high dose to get to a decent size where the high dose dont really help anymore and a lower dose will still maintain the size, and develop the 'lower dose is better'.

But works both ways some people will take 1g of test and say everyones bashing them for taking a large amount of test and focus on that because its the largest amount of AAS they are running but dont seem to take into consideration the other 750mg tren and the 50mg winny ED

I dont really agree with the arugement that raising interest rates is going to make people spend less and be more responsible. IMO the banks running these cards are just looking to take advantage of the short time period before those laws pass to make a bigger profit. It reall is all about money. I also believe that the banks are responsible for their own problems because they overextended so much credit to people via credit cards. Nobody needs 20k plus in credit in credit cards. Their tactics are designed to keep customers strung along on a balance indefinetely. Im sure they dont like us too much since we always pay off the balance each month.

 

[qwerty_uk]

I dont really agree with the arugement that raising interest rates is going to make people spend less and be more responsible. IMO the banks running these cards are just looking to take advantage of the short time period before those laws pass to make a bigger profit. It reall is all about money. I also believe that the banks are responsible for their own problems because they overextended so much credit to people via credit cards. Nobody needs 20k plus in credit in credit cards. Their tactics are designed to keep customers strung along on a balance indefinetely. Im sure they dont like us too much since we always pay off the balance each month.

I didn't mean that raising the rates would stop people using the cards, but lowering them would encourage the use of them.

Agree its about getting more money and that they prey on people who will use credit they haven't got, immoral but some people have to learn the hard way and some just dont seem to learn so the banks get away with it.

But on the positive side if it wasn't for these tactics they'd go looking to start charging everyone for every service they provide to get the same profits.

 

[Ness]

It seems the vogue to talk shit about anyone who uses over 500 mg/week of gear for more than 6 weeks. Everyone here knows the risks vs rewards, laws of diminishing returns, etc. I had enough lectures from my old man growing up.

I find it entertaining when a "trainer" tells you a few diet tweeks will work wonders. Just drop him the payment via paypal and he will tell you what the 99% of things you are doing wrong are. The magic bullet is cheap!

What ever happened to being your own scientist? Keeping records, deducing your training, reviewing facts vs. superstitions, critical thinking, reason, logic, on and on. Put your own analytical skills to work. You will be amazed how much you actually know.

Great post...but many are just too stupid or insecure to do that. I, myself, fell into the insecurity trap. However, like you said, its easy....Just listen to your body...watch how it reacts to changes and trial periods...then move accordingly to remain in an optimal zone based on goals.

I ran 1G a week of test for over a year. ZERO regrets...felt the healthiest I ever have. I got my bloodwork and physical exams done frequently. Started freaking out about all the peeps here dropping dead and I dropped my test to TRT levels. Funny how things play out silly or not. Just do what your heart and body tells you to do. It'll all work out if you keep it simple and steady.

I pay off all my credit cards every month. My dad beat this into me...so now its just habit. The bank still fucked my limit.....they took away half of it. Whatever.

 

[Wonton]

Yea the issue is for people that still might actually need their credit report to get credit for home loans etc. Its all just a scam..you have credit but don't use it..its like no credit -- You don't have credit-- sorry no credit etc home loan for you.

So the system is rigged in a way...I need to actually use my credit card monthly - Just so that I can show on my credit report I have been making payments over the last 24 months or I don't get no credit from banks.

Matter a fact guy told me your credit score is 788 - but you only have one credit card--no car payment - no house payment -- So they told me I'm a GHOST- and wells fargo denied my home loan like 3 weeks ago. Those bastards even called my insurance company and my cell phone company both over 10 years of timely payments..but NOT ON CREDIT REPORT.

SO loan guy told me just get another credit card- which i will do in feb or so...and just charge something every month - grocery bill - gas...end of the month pay that off.

Your credit score will be 825

Good thing I had a back up loan-- we close on the house this tuesday.
Sold my first house 2005 - im one lucky sob

Wow some good ass replies...I really thought I was going to get flamed for the thread and instead see as lot of positive replies.

As for Credit Cards, I try and charge on them every so often in order to keep them open..I have one that I owe around $400 and another around $1200 only cause I just ordered a lg screen TV and home theatre system 2 weeks ago from back east on the $1200 one. ..It was tax free doing it this way and not only that I refuse to pay a surcharge to Calif for a recycling tax. I can pay both these off, but prefer to pay 2/3 rds or more off to just keep them open..Credit cards do have their advantage like buying things online out of state to by pass taxes and things like recycling fees..Of coarse then you have the interest rate on the credit card.

 

[MightyJohn]

Tough OLd Man I had the same thing happen to Me with Discover...raised My rate & lowered My limit even though I have a perfect track record with them for over 7 yrs...so I dropped them