The Old Folks Home

[bruceha2000]

bruceha, true the payment on a loan is the credit history, except we've never had a loan for anything. I never mentioned a bunch of credit cards, either. I mentioned a credit card. The credit card works faster than a loan to establish, and boost the credit score initially. We were wanting to buy a place, but didn't have the money to buy it outright yet, and we were having a very hard time getting financing on a home, due to no credit history whatsoever. I don't even finance auto insurance. I pay the entire year in full, and save quite a bit since there are no finance charges. The place we wanted got sold, so we decided that it might not be a bad idea to try to establish some credit anyway.

Sorry, I didn't mean to suggest that you had a bunch of CCs but that having them is a great way to have a lousy credit score as far as getting a mortgage. Just a heads up for others who might read through.

Another thing that keeps many people with a mortgage vs owning is that Tax deduction for the interest.

True, to a point. If you have the cash to buy a house (hah!) you would have to decide if you can make more by investing it than using it to buy a house and having interest to deduct. Remembering that if you pay $1K in interest in a given year and take that off your income, your taxes owed won't go down by anything close to $1K. Not even for the very richest 1%. If your marginal tax rate is 25% (starts at $79,500 for married filing jointly this year), you are STILL out $750 of that interest. If you are in the 15% bracket, $850 is "lost" to the bank.

Diva... Feel my pain.

I thought I had mint chocolate chip in the freezer.

I sat down to eat it.


It is pistachios.

I would offer you some of my mint chocolate chip but I finished it last night. Sorry.

I get home I found out I bought the low fat/low sugar kind. WHO IN THEIR RIGHT MIND WANTS THAT??!!

I still ate it.

I wouldn't have. Artificial sweeteners are migraine triggers (not to mention some of them are carcinogenic).

 

[perchie.girl]

My grandparents paid cash for their last three houses.

Reserved Credit cards for must haves and paid them off when the bill came.

deb

 

[superchemicalgirl]

Right so when I see you in the fall, you should bring the squash and the honey. I understood what I meant, what's wrong with you?

Nice, hilarious.


So Wednesday when I got home from work I let all the biddies out. Apparently one snuck into the garage (part of the house) and slept there overnight. I found her the next morning but there was poop all over the garage. I had class late last night, so didn't get a chance to clean the poop up. This morning we had an ice storm (thanks, latestarter) and I left 25 minutes early in a bit of a panic so I could get to work safely. About 5 minutes down the road the car heated up so I turned the heat on, and I don't like it blowing in my face, so I put it on my feet. Immediately I was smelling something awful. It took me about halfway to work before I realized I was cooking biddy poop.

 

[dsqard]

This is the quilt I am currently working on. I have a little more to quilt in the center, quilt the border and then it is ready for binding. I need to get this done this weekend so I can start the baby blanket for grandchild #2. She isn't due until July 4th but I want to get that done so I can send it with a growth chart SCG and I are doing so I only have to pay for shipping once.

 

[dsqard]

It took me about halfway to work before I realized I was cooking biddy poop.

 

[superchemicalgirl]

It was the worst smell ever.

 

[1kluckychik]

Crap. Detached air cells on nearly all the ayam cemanis. Any suggestions would be appreciated

 

[Ravynscroft]

Crap. Detached air cells on nearly all the ayam cemanis. Any suggestions would be appreciated

Totally detached or bad saddled cells?

 

[1kluckychik]

Totally detached or bad saddled cells?

13 are detached and rolling. 2 are saddled badly

 

[Ravynscroft]

13 are detached and rolling. 2 are saddled badly

Oh, crap... I've never had full rollers develop... but a friend has some developing now... think she let hers settle for 8hrs and just put them in the turner though...