WEIRD?? I'm just ahead of the curve.Quote:
Originally Posted by Otterbatcat
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WEIRD?? I'm just ahead of the curve.Quote:
Originally Posted by Otterbatcat
That's dangerous. I know you are pretty smart with money, but that is a huge reason America has such a consumer debt problem. Banks keep lending way too much money to people who aren't responsible enough to handle their personal finances.Quote:
Originally Posted by Irving
The only "high" balances I have on any credit cards are transfers at 0% interest, which are nearly all gone at this time.
AMENQuote:
Originally Posted by HoneyBadger
I have no intention or desire to lecture you on finances. I was just ranting at society in general by way of reply to your post. [Beer]Quote:
Originally Posted by Irving
I hear you. It is dangerous, and it is human nature. I got a high interest rate cash back card with the idea of doing all spending on the credit card and paying it off every month. That worked for a while, and I was actually able to pull that off for over 2 years without getting a single interest payment, but the amount kept creeping up higher and higher until I couldn't make the payment and ended up having to transfer the funds to another card (interest free) to pay off. That worked fine, but then it frees up the card I was used to using and then you start getting balances on two cards (one going up, and one going down).
My one card is pretty much used just as an interest free balance transfer. I don't carry that card with me, so I haven't used it to purchase anything for maybe 4 years now. I should start leaving my other card at home too, that'd really help cut spending.
HB! I'll be 2 hours from you next year.
Aye? What for?Quote:
Originally Posted by fly boy
Careful they don't close that card. You generally need a little spend on fee free cards to keep active.Quote:
Originally Posted by Irving
I try to pay cash as much as possible, but I also use zero interest card promo's on occasion, on cards I already have, to fund things out of necessity. Without exception they are always paid down before the interest free period ends and give me an extra cushion with my meager reserves that I can use to buy things like guns, silver, or preps.
High credit limits and zero balances are a good thing. It shows you have available credit, are responsible with it, and don't carry balances. The thing that always pissed me off was the way they treat an Amex that is paid off every month but when reported always had a very high balance.
I've found that having a very small mortgage with a few years left to pay completely off is considered under invested in real estate and is a ding on the credit scores. [Mad] It's also less of a tax break on the deduction for real estate interest paid. It's really a double edge sword. the one that really gets me is "length of credit history.: Really? 35 years of creditworthiness is not long enough? lolz
I'm familiar with the length of credit thing. I don't know what happened, but one day my alleged credit score, according to credit karma just plunged and it said my longest credit history was only 12 months or something. I think what happened was that once I paid off and stopped using my longest running card, it went dormant and the history no longer counted. That company really pissed me off, so I stopped using the card. A few years ago I tried to get them to raise the balance, but they won't let me because I haven't used it in maybe 7ish years.Quote:
Originally Posted by brutal
Tech school.Quote:
Originally Posted by HoneyBadger
I'm starting to get my toes wet in the Junior Prepper Badge program.
Bought some food last night.......I have a lot of "living" type shit to start getting stocked up on.
Where?Quote:
Originally Posted by fly boy
And nothing personal, but I'm doing everything imaginable to NOT still be here in a year... Realistically, I think it'll take two years, but I WILL get out of CA before the end of my 4 year assignment here.
Good for you. It's important stuff, especially in increasingly uncertain times.Quote:
Originally Posted by Otterbatcat
Hi HB
Yeah, some freeze dried stuff...great reviews on taste and 25 yr. storage life. Really starting to look at a lot of things closely and start making some decisions, and take some steps in that direction.
Get out of the city.Quote:
Originally Posted by Otterbatcat
Quote:
Originally Posted by HoneyBadger
Port Hueneme, CA. And I don't blame you. Those 4.5 months that I'm there will suck!Quote:
Originally Posted by HoneyBadger
Buy 5 weeks of toilet paper every 2 weeks.
Hey all.
Wave
THISQuote:
Originally Posted by buffalobo
HEY ALL? That's it?? how about a range report on that new build.Quote:
Originally Posted by hghclsswhitetrsh
Quote:
Originally Posted by Otterbatcat
With out water you'll eventually fade away. I know that hulking Mr. Olympus physic of yours can go 2-3 weeks w/out. However once you get down to say 130-145 that lack of water / hydration will takes it's toll.
Give the LDS cannery 1 block west of chambers and 1 south of 35th a visit. WE utilize fair amount of the dehydrated food stuffs in our weekly menu.
Better get off my butt and complete my eFile Form 1.
Haven't had a chance to load some rounds yet. Way too busy. Soon I hope.
Very interested in the AAR.Quote:
Originally Posted by hghclsswhitetrsh
It's gonna be sweet. It'll be a way better shooter than I am. That's for damn sure.
Less pwt, more shooting. You have some ladders worked up yet?Quote:
Originally Posted by hghclsswhitetrsh
I haven't started anything. Just collecting components.
I'm in a different boat. Have probably 30 lbs ( 3 brands) of different powder, 1K of .308 ready to load brass. All i need are bullets, lg rifle primers AND something to deliver them with. Holding out for a RPR, but who knows. There's some decent deals on a few For Sale gun forums.Quote:
Originally Posted by hghclsswhitetrsh
That 03 30.06 is real tempting since i never owned one, just a $$$ over my budget
Haven't talked to you in a long while kazoo. How you been?
Breathing, reloading. Upgraded the 1050 with some aftermarket parts. Doing a few things with the 5 & 650's. Getting ready to send one of the 650's off to dillon for a once over.Quote:
Originally Posted by hghclsswhitetrsh
Other than that hanging out, freeloading. Trying to go cold turkey
The spouse wayyyyyy over purchased for hell o ween. SO I'm on the 3rd week of a 2 day chocolate & sugar binge. Other than that not too bad. Been working that smoker a lot.
How's that new fangled wood smoker you did up?
You should cold smoke some chocolate.Quote:
Originally Posted by Great-Kazoo
Mesquite smoked MallowmarsQuote:
Originally Posted by brutal
https://sp.yimg.com/ib/th?id=OIP.M09...95&w=202&h=108
Mrs. HB ran a local turkey trot this morning and was the first female finisher out of about 240 runners. Her prize? A frozen turkey! Now we can scratch that off the shopping list for this week... :D
Got out of the shower this morning to the sound of sirens. Kind of eeerie, we rarely hear sirens out here.
Ran around the house looking out windows to see who was responding and which direction they were headed. Rescue and ambulance only, no fire trucks or sheriff. No smoke to be seen in the area.
Sent from my SCH-I545 using Tapatalk
Did I get banned or was everyone in time out again?
think it was just you
Everyone was on "time out"....lol.Quote:
Originally Posted by HoneyBadger
Good morning.....:)