FishingBuds

gotcha thanks

x2. Im 15 so i know first hand about "sexting" lol. Its not uncommon now-a-days. It could very well be a girl from class. Nope, and already addressed it, not much you can do about it it looks like It was a text that was random, and Gay in context also, its up to me how far to take it.

find a name to this number 812-470-6769 Who ever it is, text my son's phone with a perverted message > I found the location but would love to have a name to it also, if ya can get it for me you can pm it to me, all I plan on doing is calling them up and letting them know I know His/her name and Im going to the police station Monday morning and showing this sexually perverted message text from your phone to my 12yr old son's phone either way Im calling them and dealing with it, just would like to have a name if I can. We don't know this number, and Im short tempered on the pervs! Just seeing if anyone has access to this kind of info. A detective would be nice right now!

Thanks! Going to go check that out. Use a sharpy or something to mark the meter, then give it a half hour or more and then check to see if it has moved, thats how you check to see if you have a leak, I know it happened to me. every time I went out I didn't see my meter running, but a buddy told me to do it this way, and sure enough 45 minutes later I checked and BINGO it was in a different position

;D

Im a cheese lover but never bought $70 bucks worth at once, I just might get some friends to go in on some here at work.

interesting, i ask because these employees are not favorites in the employers eyes, so its just kinda funny that these individuals seem to have medical issues denied. One employee had a breast reduction and the insurance covered it, so the staple stomach employee was wondering why it was ok for a breast reduction? Well I was just checking, see if anyone else may know the answer, cause that would tick me off if your employer can have things denied, thanks

Just as the title says, can your employer step in on this and stop a treatment? small example, I've seen stomach staple be turned down, shots for a shoulder injury get turned down. They all was determined non-medical is the reason given to why they was turned down.

Heck the snaggen father and son team got $1400 bucks on thier catch

X2 lol, when the camera man said "this gator is still alive" and the ol'cajun shot it again while it was still in the boat I about bust a gut laughen so hard, Yea, I'll keep up with this series, its a gooden

from the eggs? None came to our state that we know

http://www.kmbc.com/r/19730665/detail.html

It's doubly bad because 1) you lose access to the 50,000. It goes from a liquid investment (cash in the bank) to an illiquid investment (your house). 2) because you can earn a higher return on your money by leaving it in an investment account so you lose the income difference. If you can get 6% on that 50,000 then you're giving up the 1% difference between what you can earn (6%) and what you have to pay (5%). Yes, you can rebuild the 50k, but that first 50k is still no longer a liquid investment. Also, even if your mortgage payment (not including taxes and insurance) was $2,000 a month it would take you more than 2 years to rebuild it assuming that you made savings deposits equal to your mortgage payment. And if you're forced to do that then you're monthly budget is no better off for that period of time and you're mortgage would've been paid off in the next month anyways. So, you would've saved only 1 month's mortgage payment while forgoing all interest income on the initial $50,000 (which would've made up for most of that last payment). Doesn't sound like a good financial decision to me. Sorry to keep rambling about this, but advice to ignore credit at all costs is NOT good advice for most people. It's also not even the point of hookemdown's request for advice, which is answered simply by getting at least one credit card, using it (without increasing monthly spending), and paying off the balance each month. Well you started it ;D Well I still say NO CREDIT CARDS! Credit is for running businesses

If I could borrow money at the same rate as I did for my student loan then I would. 3% interest is basically free money. I could come fairly close to matching that rate with a 3 year CD and CD rates are very low right now. In the future CD rates would almost certainly be higher than 3% meaning that I am making income on the difference. If I could buy a 30 year T-Bill I'd make 4% and be positive on my investment with neglible risk. As those rates rise the amount of income would rise too. This is what they define as "making your money work for you". I get that you follow Ramsey's advice, but it is not always the best advice. I did on this too. I'll explain it differently this time. Let's say I have $50,000 left to pay on my mortgage and the rate is 5%. I have $50,000 in the bank earning 2.5% (this could EASILY be higher dependent upon the investment chosen). So, I can easily pay off that $50,000. Before doing so, one must compare interest cost vs interest income. After taxes you're looking at a difference of roughly 2%. Is that difference worth not having access to the $50,000? If I pay off my mortgage then my liquid cash goes from $50,000 to zero. Is that reduction worth the interest difference. Now, let's fast forward a bit until savings rates go back to a more "normal" level and I can get 6% or higher in a long term CD. If I use my $50,000 to pay off my mortgage then I'm giving up about 1.5% in interest income that I would get if I kept my money in the bank and paid off the mortgage with minimum payments. I'm also losing access to that money again. So, it's doubly bad to pay it off early. :-? say again? you lost me here, i get what your point was but serious, you lost me here. Keep in mind the source of money you are receiving to pay off said dept, and if you take $50K to pay off and your out of money, don't you still have a income coming in to replace the $50K even faster if you have no mortgage?

Great post, very helpfull-thanks Randall and nice pigs 8-)

Guys I know what we all have been taught, and its in a way understandable, this country/world is operated on credit, BUT you really should sit down and think about it, Why lend my money out? Why pay more in the long run? And does any old timers here remember underwriters? Here's a little something I agree with. "The truth is that the best way to build a great credit score is not necessarily a great way to build wealth. There are plenty of people who are completely unprepared for retirement, living paycheck to paycheck with negative net worths who have fantastic credit scores. A high credit score means that you tend to manage money in a way that makes you a good person to lend money to.That's very different from managing money in a way that will help you build wealth. Ah, you say, but wait! "If you don't have a high FICO score, you won't be able to buy a house or, if you can, you'll have to pay a higher interest rate." Actually, that isn't necessarily true. A high FICO score can certainly make getting a mortgage easier -- but the trade-off isn't worth it if car loans and credit card payments limit your ability to save. And with FHA loans available to first-time buyers, you only need a credit score in the 600 range -- which you can acquire pretty easily with very occasional credit use. Also, talk to an FHA counselor or loan officer at a small local bank about qualifying for a home loan through manual underwriting." YOU are a free man and you run your own life, but there is ALWAYS another side to the story to HELP you decide whats right. Just My 2cents

Advice, pass on credit cards and keep a savings for emergencies. FICO scores are hype, this all comes from the media convincing working people can't make it these days without a FICO score, BULL! save your own working money for purchases. Credit is for running a buisness not life.

Of the BP commercials!

I'd say its off too, I've noticed this in Deer season also, the last three years have been off

welp Cards I hope it works!?

Last American Cowboy? This has been a cool show, I have been liken it.

That sucks

You can lead a horse to the water and yadda yadda yadda ;D

Thanks, its enough water to bog down the fan so it doesn't blow very hard. I'll take up your offer when i decide to take it off

need some advice on my unit. Its a stand up vertical furnace and A/C unit. I failed on changing my filter(long story) and becuase of my stupid mistake the unit froze up on me. so I let it thaw for two days and changed my filter and made sure all my air draws was clear. I know that I may have some problems from this but I wanna still see how it works, then if I need to call in a pro I will. I turned the unit back on and found out i have water setting inside at the bottom of my blower fan and Im sure its from the thaw out. The blower is at the bottom of the unit, and is there any other way of getting the water out without taking the motor off?