Was scrolling through Best Ranger 2018 team pics.
Check out the hair on this 1LT on the left...
https://www.bestranger2018.com/team/team-4/
Wonder if he says "bro" a lot. [ROFL1]
Printable View
Was scrolling through Best Ranger 2018 team pics.
Check out the hair on this 1LT on the left...
https://www.bestranger2018.com/team/team-4/
Wonder if he says "bro" a lot. [ROFL1]
Everyone's seen it....a household that drapes the dish towel over the center divider in the kitchen sink...and leaves it there all the time. wtf?
Of course I understand this is akin to TP rolling off from the bottom or the top....(top most certainly).... but the towel thing is just irritating as fvck to me.
Good morning, btw.
:)
good morning OBC and crew.
This resulted in a ton of laughs.
https://www.facebook.com/SexuaIGif/v...4089620237564/
Sent from my iPhone using Tapatalk
Howdy.
Dish Towel or Dish Cloth?Quote:
Originally Posted by Otterbatcat
I hate standing water in the sink, especially if there is a dish sponge soaking in it.
So started up a Twitter for my students to follow, has NRA, IDPA stuff etc. 8 tweets and logged in this morning too my account being suspended......a nice worded email later it was back open but this device between law abiding gun owners and people trying to dictate our rights by withholding services is getting old quick. Need some 2a guys to start our own network.
Perhaps I could use some education on the particular difference between the two, but I'm thinking I mean either.Quote:
Originally Posted by crays
More in depth, I would say....you use the cloth...cleaning "whatever" in the kitchen...and hang it on the center to dry. It's gross when you're done using it, why did you preserve it's dirtiness? If you dried off clean hand washed dishes with it, that's great. Put it in the laundry.
I don't understand harboring several days of "gross cloth" hanging on the middle of the kitchen sink.
Mine got suspended too for being conservative, pro2A. I made a new account and overcame that by getting a google voice number and using it to confirm my account with. Also use a VPN on your home computer/laptop and a VPN app from your phone.Quote:
Originally Posted by Mazin
Sent from my iPhone using Tapatalk
I use the scrubby sponges, and it is recommended that you replace it frequently due to the possibility of getting sick from using it.
Mitch Headberg had a funny bit about it though...
https://youtu.be/ydlt7jmBAyk
I don't even have face place going here, brother. For me, Tweeting aint gonna happen.Quote:
Originally Posted by Mazin
I'm hoping for some Win with your endeavor.
tax money is in, paycheck hit, back in good financial standing after taking a hard hit on moving expenses, deposit, first months rent and the like.
Just paid off 3 credit cards and a student loan. That feels good.
Congrats. Not sniping, just wondering, why do you have 3 credit cards?
because I wasn't very smart. Two of them are going away. My bellco credit card is closing automatically since I quit banking there. They didn't give me a car loan and a signature loan when I requested them despite having been a member for 4 years in good standing with a 675 credit score. So I said to hell with you, and opened up an account at Navy Federal and got 4.5% interest on re-financing my car (from 14% through my credit union back in Tennessee). Amazingly, NFCU gave me a loan at the 4.5% 3 days after opening my account. The other credit card is through my credit union back in Tennessee. Closing it out. Once my signature loan with them is paid off, that account is closed too.Quote:
Originally Posted by CavSct1983
So that leaves my Capitol One credit card and I'll open one through Navy Federal. that's all I'll need. It's nice to have emergency funds (funeral, car repair, etc). But now that I'm in a better financial position, I hope to never need them again. Time to start stockpiling my savings account and open up a 401K or an IRA.
Closing credit cards is bad for your credit. There is no issue with having many credit cards, especially if you're not using them.
there will be a slight hit on my score for sure but it will rebound quickly.Quote:
Originally Posted by Irving
All my stuff is paid on time. So it won't be a big deal in the long-term. might hurt a bit for 60-90 days.
the interest rates arent that great on them either. My Capitol One is at 9% and my NFCU one will be 0% for the first year and 12% after that.
Sent from my iPhone using Tapatalk
Agreed, I would leave them open, and personally don't consider 3 an excessive amount, it's what you do with them.Quote:
Originally Posted by Irving
Incorrect, closing cards changes your credit timeline (how long you've had credit) which will not recover for years. It will also immediately reduce your debt to credit ratio, which will never improve unless you get more cards, or greatly increase the limits on your remaining cards.
Edit: It will also reduce the number of active accounts you show which is another of the five factors of credit worthiness for personal credit. Closing cards hurts your credit in every way, and does nothing to help you. The one exception is if you are poor at managing credit, it can be safer to just not have it available.
Finally, interest rate doesn't matter IF you can pay off the bills every month. That's all part of actively managing your credit though, and not everyone feels the need to do so.
Like many things, how you manage your financial life is up to you, but I don't want you to make decisions based on false information.
Here is a recent thread where a lot of this stuff was covered and some excellent advice was given by some very cool and handsome members.
https://www.ar-15.co/threads/166136-...ht=credit+card
Irving offered some really good advice IMO.
Doesn't mean I want him to be my boyfriend.........well, you know.
I dont have a choice on the bellco account. it closes automatically since I withdrew my membership from that useless bank that calls itself a credit union but never does squat to help their members.
I've not been very good at managing credit cards either. so its whatever. I have no need for 3 cards any longer. 2 is plenty.
Sent from my iPhone using Tapatalk
I was determined to achieve higher available credit for a while and was pretty successful. As an added bonus, my score went very high as well. The catch .22 of course is that if you are always paying off credit cards and not really using credit (no auto loans), then your score doesn't even matter.
I have a car loan and a signature loan out right now. Just under $7,000 each. Plus federal student loans. ugh.
and going back to school in the next year and a half. Gotta pay the two loans off and save some money to survive on while in school.
Paralegal school first. then law school. not taking a dime out on student loans for either. Chapter 31 Voc. Rehab for the Army will pay my tuition.
I will probably pay my tuition for part time classes at paralegal school to begin with until I can go full time.
Sent from my iPhone using Tapatalk
Take the cards you will be closing out, cut them in pieces and let them sit there. You're unable to use them but maintain that credit rating, if not improve it.
Colorado gun cleanin' Saturday night.
https://uploads.tapatalk-cdn.com/201...436b9c8e66.jpg
Sent from my iPhone using Tapatalk
Good advice. I was just going to post the same thing.Quote:
Originally Posted by Great-Kazoo
I have many cards I haven't used in years, including a personal line of credit with my bank. Sometimes I wonder if I should ping them every once in a while (and of course pay them immediately.)
I carry ZERO revolving debt. Only my Amex ever shows a balance on reports, which is kinda stupid if you ask me, as it's paid in full every cycle.
We have house, van, and my wife and I each have one credit card. CC's get paid in full every month. Last time I checked, my credit score was like 775.
I don't like the idea of having enough rope to hang myself, personally.
There's a few lying dormant in the misc crap pile. While having good - vg credit score is a plus, I'm mid 800's It's really ones debt to income ratio that gives you loan capability.Quote:
Originally Posted by brutal
Oddly enough, paying off a CC every month does not help you build credit score.
Buy something modest and within your budget, and extend that out with your payments as long as you can, that will enhance your credit when you pay it off.
Also, many of you might not have known that I am a scientist, not credited or tenured or anything like that, but.......
You CAN hold a spent dryer sheet directly in front of a floor model space heater before the cool down cycle, and it will not catch on fire if set at 72 degrees. Clearly more research is needed, and results of future findings will be posted for realistic entertainment values.
Correct, but doing so keeps the card active, and most importantly keeps people out of trouble who might tend to overspend.Quote:
Originally Posted by Otterbatcat
Personally, I use CC to counter skimming issues with use of debit card since there's more protection offered (though I realize some financial institutions now offer this with debit cards), and to shop online. I pay off every month to avoid paying interest, not build credit.Quote:
Originally Posted by Otterbatcat
"I have an interest in the day
that the bankers will say,
oh brother, it's my turn to pay."
:D
Spent my early(for today) morning drinking coffee and prepping smoker while being serenaded by about a dozen Meadowlarks.
Meadowlark to Grackle ratio seems up alot this year so far and we are enjoying it. Meadowlarks are our favorite and we dislike Grackles.
"I have an interest in the day
that the bankers will say,
oh brother, it's my turn to pay."
Wells Fargo is looking at $1 Billion fine - yes, Billion with a "B"
Too bad the folks that were hurt by their practices don't get their repossessed cars and foreclosed homes back.
Just noticed this is the 1,000th post. I guess I am done!
[hammer]
Get out of the city.
Too much noise and stupid.
At least in the country our own stupid is spread out and usually no one around to see or laugh.
And sometimes call the ambulance.
I will take the trade off.
I do a pretty good job keeping my stupid to minor injuries.