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Everything posted by 8ball

  1. They used to talk about the three legged stool of Social Security, Pension and Savings. For most people the "Pension" has gone away and the household wealth is often primarily the house they live in. A lot of people can tally up their net worth to over a million (think of long time San Francisco home owners) but they have no liquidity so unless they sell their home, they aren't feeling like millionaires.
  2. A good discussion on the "All In Podcast" of the FTX debacle.
  3. I'm holding out for the hot virtual sex with super models.
  4. Just did my month end tracking and Oct was a good month in a bad year. The big question is- can Tech make a comeback? or will Energy keep rolling?
  5. I have had this happen a time or two with contracts I've written. The usual culprit is one spouse has a blemished credit report and the other spouse can qualify on their own. The mortgage broker wants to avoid a hassle with underwriting so they remove the blemished spouse, who can still be on the deed, just not on the loan.
  6. I'm down around 10% this year with a 10/90 balance. I parked most of my money in the Stable Value Fund in my 401K earlier in the year. (Now I need to figure out when to get back in).
  7. I think Jamie Dimon sees an opportunity to bring some power back to the bank and away from Visa Mastercard.
  8. The "upselling" is the car is due for a -radiator flush, air-conditioning service, air filter, cabin air filter (I buy those in bulk on-line for 1/3rd the cost). I would go for the tire rotation but I always seem to be in the wrong bay that doesn't have a lift.
  9. I always go to the one on Lyndale in Bloomington. And yes, they always try to upsell you.
  10. Sam's Clubs seem to have it figured out with the same quick check, by a human, when you leave the store as HeMa does. I especially like the scan and go for the gas pumps. No longer having to insert a membership card and then a credit card.
  11. Interesting Article https://www.cnbc.com/2022/09/12/goldmans-gs-apple-card-business-has-a-surprising-subprime-problem.html
  12. I'm surprised he got almost 3 years for $10,000 bucks worth of fraud.
  13. I saw that too. I think they have their numbers backwards.
  14. It's hard to get anyone to work at these facilities so they end up having to pay more to attract employees. Add in all the other rising costs it's easy to see where they need sharp increases.
  15. There has to be a group of guys all driving Ferraris and dating super models with the amount of crypto theft that's happened.
  16. I volunteer 1 morning a week at our local Food Bank. I've been doing this for 7 years and this is definitely the busiest I've ever seen it.
  17. My wife always gives the Wells Fargo credit card a workout. 😁 I have to say in all honesty that WF has been very good to us. When I had my BK Wells didn't cancel our cards but made the wife the primary and let me stay on as a AU.
  18. We call that a basement here in the northland. 🤪 This should be a fairly easy job, for a good contractor, putting in a couple of additional supports to make up for cutting the joist.
  19. I always have a $20 dollar bill ready for Friday night pull tabs at the local watering hole.
  20. Experian seems to like to "roller coaster" Fico 8 scores. Mine goes up and down 14 points every month like clockwork. At some point during the month I've paid off all my cards and it drops, latter in the month it goes back up.
  21. Lol, my wife does but I like the 80's (both temp and decade). 😁
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