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A greedy, stingy, and generally unpleasant person.
Use with caution.
person 1: Spare some change you niggard
person 2: What the fuck did you call me?
person 1: a niggard is a stingy and greedy person
person 2: what the fuck :|
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The "Retardation" If you will but replacing the "retard" with "niggar"
"What In The Niggardation is this tomfoolery!"