NWI INGO General Post - Part 5

[Raitekk]

A credit card gives you more protection from fraud.

Credit Card vs Debit Card - Difference and Comparison | Diffen

Also if you pay your credit card in full each month then technically you are using someone's else money, not paying interest and getting more protection for purchases.

hmmm thanks for the info. I will have to check this out for sure

 

[Andy219]

Siri is awesome.

I just spent the last 5 minutes asking silly questions. And she has an answer for almost anything. I recommend talking to her.

I asked her favorite color, her birthday and how she knew my name and her answers were somewhat funny.

Pretty cool.

 

[geronimojoe85]

Siri is awesome.

I just spent the last 5 minutes asking silly questions. And she has an answer for almost anything. I recommend talking to her.

I asked her favorite color, her birthday and how she knew my name and her answers were somewhat funny.

Pretty cool.

Ask her to open the pod bay doors

 

[Andy219]

Will do

 

[melensdad]

Andy, did you ask her why Moose & Daisy have not had puppies yet?

 

[Andy219]

Lol.

 

[jedi]

hmmm thanks for the info. I will have to check this out for sure

word of advise.

A CC can be dangerous if you have no self control of your purchases. For example with a credit card you have a line of credit (LoC). So say you have a LoC of $10,000. An on 01 MAY 2013 you get your new CC. Well you can go to town in MAY any buy a Heavy Scar ($3K), a crate of .308 for the heavy scar ($1K for 1K in rounds), McD's every work day (say $7 a day for 20 day; $140), a new handgun H&K .45 ($900) plus ammo for that gun say another $300.

So what are we at now?
$5340

So come 01 JUN 2013 your CC bill is due. Will you have that amount to send to the CC? If not no problem the CC will be happy that you just give them the min payment (say $100) the rest they will then charge you interested anywhere from 14% to 24% until you pay it off.

THAT IS WHAT GETS PEOPLE IN TROUBLE!!!

You see unlike your debit card which will do a "insufficient funds" when you try to buy the heavy scar at $3K your CC won't say that. Now if you spend over your LoC in a month it will but not until you get to that limit.

The way I do it is I have a CC Savings account. Once I charge something on the CC I move it from my checking into that CC savings account. It sits there until I pay the card off in full each month.

I'm what the CC company calls a deadbeat since I don't make them any more and use my CC perks (cabela's points and now Disney Points).

 

[Raitekk]

word of advise.

A CC can be dangerous if you have no self control of your purchases. For example with a credit card you have a line of credit (LoC). So say you have a LoC of $10,000. An on 01 MAY 2013 you get your new CC. Well you can go to town in MAY any buy a Heavy Scar ($3K), a crate of .308 for the heavy scar ($1K for 1K in rounds), McD's every work day (say $7 a day for 20 day; $140), a new handgun H&K .45 ($900) plus ammo for that gun say another $300.

So what are we at now?
$5340

So come 01 JUN 2013 your CC bill is due. Will you have that amount to send to the CC? If not no problem the CC will be happy that you just give them the min payment (say $100) the rest they will then charge you interested anywhere from 14% to 24% until you pay it off.

THAT IS WHAT GETS PEOPLE IN TROUBLE!!!

You see unlike your debit card which will do a "insufficient funds" when you try to buy the heavy scar at $3K your CC won't say that. Now if you spend over your LoC in a month it will but not until you get to that limit.

The way I do it is I have a CC Savings account. Once I charge something on the CC I move it from my checking into that CC savings account. It sits there until I pay the card off in full each month.

I'm what the CC company calls a deadbeat since I don't make them any more and use my CC perks (cabela's points and now Disney Points).

That's why I don't have any actual credit cards, because I would never spend money I don't already have anyways.
If I were to get a credit card, no matter what LoC I qualify for, I would only buy what I already have the money for.
The money, for that item, would have to be either at home, or in my bank account for me to buy it using a credit card, if I were to have one.
That is just a habit of mine I guess :P

 

[tv1217]

Yeah I got in some CC debt working for CR England because I was not getting enough mileage to cover my lease, fuel, cat scales, etc and make a decent profit so I was using my card to feed myself.

I know it's an extreme example, but that's kinda why I'm avoiding CC use.

 

[xfrostybeersx]

So he killed her over a robbery! Really. How much did he end up taking from her, a couple hundred at most. And then he kills her. What a sad outcome.

Allegedly some of that is true. He did kill her over a robbery but he allegedly stole her ring and watch too (valued at over $40,000)

From what I have heard so far is that the Po-Po have not found out the exact motive yet! Unless something new was released this afternoon!

 

[geronimojoe85]

Ivy has taken her normal position in the clubhouse.

 

[darkkevin]

who has two thumbs and just landed a new job?? THIS GUY!!!! WOOHOOO!!

 

[darkkevin]

Allegedly some of that is true. He did kill her over a robbery but he allegedly stole her ring and watch too (valued at over $40,000)

From what I have heard so far is that the Po-Po have not found out the exact motive yet! Unless something new was released this afternoon!

yeah, i'm guessing there's way more to it than that. why would he spend three hours in her office, leave with her pointing a handgun at her, and kill her/dump the body at a casino? weird. all places with an enormous amount of cameras.

 

[Raitekk]

who has two thumbs and just landed a new job?? THIS GUY!!!! WOOHOOO!!

hook a brother up!

 

[CTC B4Z]

what is new job?

 

[Ericpwp]

who has two thumbs and just landed a new job?? THIS GUY!!!! WOOHOOO!!

In da region?

 

[jedi]

But at least we'd both have man brains that think logically.

what is new job?

this ^
why leave us hanging DK!!! why?
nite all!

 

[repeter1977]

who has two thumbs and just landed a new job?? THIS GUY!!!! WOOHOOO!!

Congrats on the new job.

 

[darkkevin]

Wrenching still, new better shop. Deans tire and auto in Chesterton. Had a 90 minute convo with dean this evening, then 20 more with his shop supervisor on the phone, apparently they spoke after we hung up cuz dean called 5 minutes later with an offer that ROCKS! I start may 6 unless my current employer gets real mad and tosses me out, then I start sooner, lol!

 

[CTC B4Z]

if he does toss ya, i got some exhaust bolts that I need extracting on the GTP...

and is this the same Deans in Hobart?