A Quote by Tom Shales
The perils of credit and debt, especially perilous in the computer age, have long been acknowledged in pop culture, but very infrequently by TV.
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Being a musician has actually surrounded and immersed me in pop culture and youth culture from a very young age. But even before I was singing in bands and creating any kind of art, I was always fascinated by pop culture.
When you default on a secured debt, the creditor takes the asset that backs up that debt. When you convert credit card debt to mortgage debt, you are securing that credit card debt with your home. That's a risky proposition.
Absolutely pay off credit card debt. If you're not getting a match in your 401(k) and you've got credit card debt, you've got to get yourself out of credit card debt. When you get out of credit card debt, your credit score goes up and interest starts to go down.
I’ve always thought that if comics are a part of pop culture [then] they should reflect pop culture, but a lot of the time comics, superhero comics especially, just feed on themselves. For me, comics should take from every bit of pop culture that they can; they’ve got the same DNA as music and film and TV and fashion and all of these things.
You also need to understand that when you consolidate credit card debt into mortgage debt - like a home equity loan or a HELOC [ home equity line of credit ] - you're taking an unsecured debt and turning it into a secured debt.
Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.
I'm a staunch believer in the effect of pop culture - including advertising and the internet - on the young. Pop culture in its narrowest sense - mass-produced film, TV, and music - either truly reflects what's up in youth culture, or it reflects what youth-filled focus groups have told marketing companies that they want to consume.
The U.S. has a law on the books called the debt limit, but the name is misleading. The debt limit started in 1917 for the purpose of facilitating more national debt, not reducing it. It still serves that purpose. It's unconnected to spending, hurts our credit rating and has been an abject failure at limiting debt.
There's also consumer debt, the credit card debt that burdens many of the working families in America. Yes, we talk about national debt, and we're paying a lot down. But you're fixing to hear me tell you part of the remedy for people who have got a lot of credit card debt is to make sure people get some of their own money back.
I've always been interested in pop culture. Some of my colleagues think of pop culture as beneath them, or there's the ivory tower and then there's everybody else, and I never could buy into that wall that's been put up by so many people over the decades and even the centuries.
We're into this barrage of pop culture - you know, TV, movies, the Internet. We become creatures that we've made up, made of certain different flotsam from pop culture and certain different personas that are in style.
I put so much pop culture in my movies because we speak about pop culture all the time. But, for some reason, movies exist in a world where there's no pop culture.
You settled a debt instead of paying in full will stay on your credit report for as long as the individual accounts are reported, which is typically seven years from the date that the account was settled. Unlike with bankruptcy, there isn't a separate line on your credit report dedicated to debt settlement, so each account settled will be listed as a charge-off.
American pop culture is perpetually in adolescent mode. The notions of what it takes to be a man, as depicted in pop culture, are very superficial, one-dimensional, and adolescent.
But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.
Rereading one's own novels after many years is always a fraught business, but when a novel has fallen out of print - 'The Very Model of a Man' is the only novel of mine that has - and so crops up infrequently in conversations with readers or indeed with oneself, revisiting it can be perilous.
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