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[Deep Freeze] Wednesday, March 18, 2009 8:10:11 AM 
Good lord!! You know, that is a common reaction to financial trouble. Economy is bad so what do they do? Aquire MORE debt!! You cannot solve money problems by adding more debt! That increases the problem. It's like adding MORE cancer cells to a cancer patient!! Typical reaction, though.
  [Show/Hide Quoted Message] (Quoting Message by Necroticist from Wednesday, March 18, 2009 8:06:33 AM)
[Necroticist] Wednesday, March 18, 2009 8:06:33 AM 
Loads of ppl here are taking out loans.. cos of the economy = the interest rate is bloody 150%
[Deep Freeze] Wednesday, March 18, 2009 8:00:25 AM 
Very wise, my friend. You know, so many people think they understand interest but do not. When people  in this country buy a house, they are always worried about "rate"....RATE RATE RATE. Amazing. Rate is merely a payment amount!  Seriously. What they need to be concerned with is total cost, just as you mentioned. What will it cost me in full? If you go to buy a car, try asking the sales guy what the price of the car is, IN FULL. All they do is sell you a payment. They do not want you to know what the total cost is!! THAT is how interest really works.
  [Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 18, 2009 7:54:19 AM)
[Necroticist] Wednesday, March 18, 2009 7:56:59 AM 
I just keep it in my wallet these days...don't trust anyone..
[_strat_] Wednesday, March 18, 2009 7:54:19 AM 

Yup. And I usualy get a percent or two of discount if I pay in cash. Just for the big stuff, tho, like when I bought the guitar amp. 

Frankly, I know what is a "limit" and I get "interest", but... I just choose the simplest way. I know how much I have = I know how much I can spend. Not the stuff when "I have 500€, but I can spend 700, and pay the difference later". Just complications. Expensive ones too.


  [Show/Hide Quoted Message] (Quoting Message by Deep Freeze from Wednesday, March 18, 2009 7:47:26 AM)
[Deep Freeze] Wednesday, March 18, 2009 7:47:26 AM 
That's a great point strat. Knowing what you are spending. People use credit, pay the monthly payments and get buried by interest. Worse yet, MOST people do NOT truly understand interest and that is a HUGE problem.
  [Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 18, 2009 7:44:01 AM)
[_strat_] Wednesday, March 18, 2009 7:44:01 AM 
I dont use any money-related cards either. No credit cards, and even tho I have my bank card (or whatever its called - the one you stick in the ATM machine), I dont pay with it either. My reason is just that... I like cash. Really, with cards I never have a feeling on how much Im spending that I have with coins and banknotes.
  [Show/Hide Quoted Message] (Quoting Message by Deep Freeze from Wednesday, March 18, 2009 7:38:09 AM)
[Deep Freeze] Wednesday, March 18, 2009 7:38:09 AM 
'Morning, gents. Interesting conversation. I do not use credit cards, either. As a matter of fact, I am constantly crusading against them. In this country, credit is the number one obstacle towards wealth. You simply cannnot build true wealth when you are in debt. Working for a bank, I have seen some horrible mistakes with credit.  I have a car payment but only because I did not want to spend all the cash at once. Same with the house. But I do not carry even ONE credit card and neither does the Princess. We use debit or pay cash. Period.
[Return_of_Darth_Painkiller_0870] Wednesday, March 18, 2009 6:51:09 AM 
I hear ya about the money thing.   My bank doesn't charge me squat for a statement, but child support is a total friggin' bitch.
  [Show/Hide Quoted Message] (Quoting Message by Necroticist from Wednesday, March 18, 2009 6:30:46 AM)
[Necroticist] Wednesday, March 18, 2009 6:30:46 AM 
Money problems are one thing i never seem to shake...being homeless always works out...in the end...and as for women....dont get me started.. - i don't have credit cards or use a bank anymore - i got so pissed at em for charging me £12 a month to send a letter telling me my account balance...sod that!
  [Show/Hide Quoted Message] (Quoting Message by Darth_Painkiller_0870 from Wednesday, March 18, 2009 6:00:41 AM)
[Return_of_Darth_Painkiller_0870] Wednesday, March 18, 2009 6:00:41 AM 
G' morning Necro....My bro needs to pitch in though and start buying some of this stuff.   I just paid off all my credit cards, and now they're getting socked again!   UGH!
  [Show/Hide Quoted Message] (Quoting Message by Necroticist from Wednesday, March 18, 2009 5:52:36 AM)
[Necroticist] Wednesday, March 18, 2009 5:52:36 AM 
Good morning all - i hear ya on the furniture front Darth - think i posted enuff on what happened to us - plus i had an ex who left me with the clothes i was wearing and homeless...it only gets better..
[Return_of_Darth_Painkiller_0870] Wednesday, March 18, 2009 5:13:22 AM 
Actually, I can probably get a dresser from my parents' house.   I might start going through craigslist too.
  [Show/Hide Quoted Message] (Quoting Message by ronhartsell from Wednesday, March 18, 2009 4:58:39 AM)
[ron h] Wednesday, March 18, 2009 4:58:39 AM 
Sounds great!!  Don't overwhelm yourself by thinking you have to get everything at once, either...take your time and see what's out there...a little 'shopping around'  goes a long way...have family and friends keep an 'eye' out for things...this is the time of year ppl start 'spring cleaning' which means there will be plenty of 'garage sales' popping up...and you could get a lot of good stuff on the cheap that way...just an idea...
  [Show/Hide Quoted Message] (Quoting Message by Darth_Painkiller_0870 from Wednesday, March 18, 2009 4:51:49 AM)
[Return_of_Darth_Painkiller_0870] Wednesday, March 18, 2009 4:51:49 AM 
Still moving and buying stuff Ron.   Any furniture my ex-wife and I accumulated together I let her keep when I moved out last year, and my brother has only his bedroom set.   Got a slightly abused sofa and reclining love seat from our parents, plus...my dad is giving us his 5 yr old 42" plasma screen!   Yes, it still works quite well and it'll last the year without issue.  I still have to get a tv stand, dvd/vcr combo player and router plus a couple pieces of bedroom furniture.   Oooofa!
  [Show/Hide Quoted Message] (Quoting Message by ronhartsell from Wednesday, March 18, 2009 4:40:41 AM)
[ron h] Wednesday, March 18, 2009 4:40:41 AM 
Hey there DPK...how's the new apt. working for you??...moving isn't any fun, but when it's over, everything seems so much better!!
  [Show/Hide Quoted Message] (Quoting Message by Darth_Painkiller_0870 from Wednesday, March 18, 2009 4:36:42 AM)
[Return_of_Darth_Painkiller_0870] Wednesday, March 18, 2009 4:36:42 AM 
Hey guys!  Happy Hump Day to you too, Ron! 
[ron h] Wednesday, March 18, 2009 4:28:30 AM 
...Hi strat...'hump day' as in the middle of the week...we're half way there (to the weekend)...of course it can be intended as a pun as well...how are you doing today??
  [Show/Hide Quoted Message] (Quoting Message by _strat_ from Wednesday, March 18, 2009 4:17:38 AM)
[_strat_] Wednesday, March 18, 2009 4:17:38 AM 
Good late morning to you! 

Whats this with hump day? Does it have any connection with... er... humping?
  [Show/Hide Quoted Message] (Quoting Message by ronhartsell from Wednesday, March 18, 2009 4:04:00 AM)
[ron h] Wednesday, March 18, 2009 4:04:00 AM 
Good morning (day for you Becks...lol) fellow Metalheads!!!  Woohoo...it's hump day!!
[Necroticist] Tuesday, March 17, 2009 10:56:43 PM 
Is almost 4 AM - i gotta try this sleep thing - TC ppl and see ya tomorrow
[Becks] Tuesday, March 17, 2009 8:10:00 PM 
Good to hear Necro
[Necroticist] Tuesday, March 17, 2009 8:06:42 PM 
Oh - we'll survive....learned the hard way...don't worry
  [Show/Hide Quoted Message] (Quoting Message by Becks from Tuesday, March 17, 2009 7:52:00 PM)
[Becks] Tuesday, March 17, 2009 7:52:00 PM 
That's true, the economy is crap at the moment! I hope all my metal friends here aren't being hit too hard by it.
[Necroticist] Tuesday, March 17, 2009 7:35:38 PM 
Is hard to pay the bills and freakin afford to eat!
[Necroticist] Tuesday, March 17, 2009 7:29:17 PM 
U don't wanna know economy in UK....is a freaking nightmare..
  [Show/Hide Quoted Message] (Quoting Message by (THE REAL)fatman_rick from Tuesday, March 17, 2009 6:12:51 PM)
[guidogodoy] Tuesday, March 17, 2009 6:27:57 PM 
I'm off too. Gotta find some damn food!!!

Laters all...
[Becks] Tuesday, March 17, 2009 6:25:48 PM 
Fair enough lol. Catch you later.
[spapad] Tuesday, March 17, 2009 6:24:33 PM 
Think I'll get off here for a while, got some stuff that needs doing. Nice talking to you!
  [Show/Hide Quoted Message] (Quoting Message by Becks from Tuesday, March 17, 2009 6:19:26 PM)
[Becks] Tuesday, March 17, 2009 6:19:26 PM 
That's true, things usually get sent quick smart, but the courier or whoever is delivering it can sometimes be a right slow poke LOL.
  [Show/Hide Quoted Message] (Quoting Message by spapad from Tuesday, March 17, 2009 6:18:31 PM)
[spapad] Tuesday, March 17, 2009 6:18:31 PM 
Most of the time, unless they loose the package here, they can usually get anything about anywhere in the continental US with in 3 to 4 days due to so much completiton from other shippers they steped up the game. The ones that drag their feet and the people shipping it.
[guidogodoy] Tuesday, March 17, 2009 6:17:44 PM 
Nope. Nothing major from Dawn or kmac....in public. The Kmac thread is still alive, though. Heh. Yup. Miss them both making public posts..... Glad to read you are up and running again, my friend. Hope you stick around.
  [Show/Hide Quoted Message] (Quoting Message by (THE REAL)fatman_rick from Tuesday, March 17, 2009 6:12:51 PM)
[Becks] Tuesday, March 17, 2009 6:16:07 PM 
Goodness knows the postal system can still take forever to get things to where they need to be!
  [Show/Hide Quoted Message] (Quoting Message by spapad from Tuesday, March 17, 2009 6:12:57 PM)
[spapad] Tuesday, March 17, 2009 6:12:57 PM 
LOL, yes it would. I could send it and in 6 to 12 weeks you may get it! HA!! I acutally remember when about everything you ordered the mail took that long, just when you would give up on ever seeing it,  it would finally show up!
  [Show/Hide Quoted Message] (Quoting Message by Becks from Tuesday, March 17, 2009 6:09:39 PM)
[(THE REAL)fatman_rick] Tuesday, March 17, 2009 6:12:51 PM 
yea the economy here has taken a huge dive. its a nightmare. but who cares. everyones gotta live.lol

im back for good now hopefully. any sign of dawn or kmac.
  [Show/Hide Quoted Message] (Quoting Message by guidogodoy from Tuesday, March 17, 2009 6:09:49 PM)
[guidogodoy] Tuesday, March 17, 2009 6:09:49 PM 
Same ol' new day, compadre! Springtime hitting Tennessee, too much work and not enough pay. Can't even get the damn pizza place to pick up the phone. Probly out of business the way the economy here has been going. No joke there at all. I would bet $ that it is shut down. Howse youse? Been quite a while. Glad you stopped by...
  [Show/Hide Quoted Message] (Quoting Message by (THE REAL)fatman_rick from Tuesday, March 17, 2009 6:05:56 PM)
[Becks] Tuesday, March 17, 2009 6:09:39 PM 
LOL Spa a slow boat to China would take forever and a day. I have looked everywhere I can and cannot find a female style SFV shirt, damnit.
Hiya Rick!
LOL my husband LOVES Family Guy, we don't get it all the time here though so it doesn't wear thin so quickly
  [Show/Hide Quoted Message] (Quoting Message by spapad from Tuesday, March 17, 2009 5:58:25 PM)
[spapad] Tuesday, March 17, 2009 6:06:52 PM 
HOLY Crap!! Now that is going way back! Wasn't it on TV land a few years back?
  [Show/Hide Quoted Message] (Quoting Message by guidogodoy from Tuesday, March 17, 2009 6:04:21 PM)
[(THE REAL)fatman_rick] Tuesday, March 17, 2009 6:05:56 PM 
hey dude. good to see you again. im surviving.lol

hows things.
  [Show/Hide Quoted Message] (Quoting Message by guidogodoy from Tuesday, March 17, 2009 6:05:10 PM)
[guidogodoy] Tuesday, March 17, 2009 6:05:10 PM 
Krusty!!! Long time no see, bro! How goes?
  [Show/Hide Quoted Message] (Quoting Message by (THE REAL)fatman_rick from Tuesday, March 17, 2009 6:02:04 PM)
[guidogodoy] Tuesday, March 17, 2009 6:04:21 PM 
I like 2 1/2. Actually one of the funnier shows on tv. Like Family Guy, though, it is getting overplayed. I swear, I could flip on a tv at any moment during the night and catch a Family Guy episode. I mean, FFS! Put on "Love American Style" again! HAAAA!!!
  [Show/Hide Quoted Message] (Quoting Message by spapad from Tuesday, March 17, 2009 5:53:02 PM)
[spapad] Tuesday, March 17, 2009 6:04:10 PM 
You lucky Devil! would love to be off this week the weather is just supposed to get better each day!
  [Show/Hide Quoted Message] (Quoting Message by (THE REAL)fatman_rick from Tuesday, March 17, 2009 6:02:04 PM)
[(THE REAL)fatman_rick] Tuesday, March 17, 2009 6:02:04 PM 
im off this week so im gd.

booze booze booze. yaho.
  [Show/Hide Quoted Message] (Quoting Message by spapad from Tuesday, March 17, 2009 5:59:50 PM)
[spapad] Tuesday, March 17, 2009 5:59:50 PM 
Hello Rick, how ya doin'!
  [Show/Hide Quoted Message] (Quoting Message by (THE REAL)fatman_rick from Tuesday, March 17, 2009 5:59:08 PM)
[(THE REAL)fatman_rick] Tuesday, March 17, 2009 5:59:08 PM 
HEY HEY.
[spapad] Tuesday, March 17, 2009 5:58:25 PM 
Want me to check the american store and if they have it I'll ship it to via slow boat to china!
  [Show/Hide Quoted Message] (Quoting Message by Becks from Tuesday, March 17, 2009 5:55:16 PM)
[Becks] Tuesday, March 17, 2009 5:55:16 PM 
Nah, I think the main reason I don't like it is I am not a Charlie Sheen fan at all LOL! Oh Frasier! I loved Frasier, it was hilarious!
I want shirts! LOL! The rest of the world JP store has a womens Turbo shirt, but I want a SFV one
  [Show/Hide Quoted Message] (Quoting Message by spapad from Tuesday, March 17, 2009 5:53:02 PM)
[spapad] Tuesday, March 17, 2009 5:53:02 PM 
Uh, My shirt count was a mere 8 ! But I can justify it! I'm sharing them with Flora! 

Becks, you don't like two and a half men? I loved it when it first came out now it's getting a little worn around the edges, would rather watch Frazier reruns.

  [Show/Hide Quoted Message] (Quoting Message by guidogodoy from Tuesday, March 17, 2009 5:49:48 PM)
[guidogodoy] Tuesday, March 17, 2009 5:49:48 PM 
HAAA!!! And what was YOUR total shirt count? I posted mine. Too bad I decided I wanted five first and then the sixth. No combining shipping after placing an order. Five damn minutes! They did that webpage layout on purpose!
  [Show/Hide Quoted Message] (Quoting Message by spapad from Tuesday, March 17, 2009 5:46:01 PM)
[Becks] Tuesday, March 17, 2009 5:49:25 PM 
Mostly older people here would have heard of the Goodies, we get a lot more American comedy now, like endless re-runs of Friends, Scrubs, Two And A Half Men (HATE that show LOL).
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