candy and a Chat bun..

his belt or suspenders...

 

smoked a bowl on highway yesterday at 7am going to work... turn off highway on back road to job site. got a foot of fresh snow to drive in, was great and once 3 miles in you go past main residential area... and I think it had 3rd or 4th tracks.. best 4x4 drive this winter for sure.

get off work.. all plowed and nice.. lame...

 

I come on here for the first time today and there are all kinds of weird threads on the first page today. Saturday must bring the crazy out in people. 1 more hour until I'm off work and my weekend starts! Happy Saturday friends!

 

I never smoke in a ride. I ran outa gas few weeks ago, seriously I just missed this Dmv shit by a few days, however the popo wasnt to interested in my ID, could of had plutonium in the car. he didnt give a shit. but had I went to his window reeking of weed. it would of been more that just a ticket, I know it. glad I dont burn and ride. be safe out there.

 

our cc through our bank is 8% interest, but the payments are skwed so that minimums wont kill us, right now its about $100/month for that, $200 for the holiday loan, $770 for the mortgage. but we had 6-8 cards we were consolidating, so it does save us money.

# shit they should have taught us in school

 

My bank sent me a letter the other day telling me that they're lowering the rate on my other line of credit to 3.5% from 8.5%... I left it open but hadn't used it, so I used it to pay off my wife's student line of credit that had a rate of 5%. 1.5% savings for 6 months isn't huge, but it's still money in my pocket instead of the bank's

 

ok....wood dilemma is temporarily staved.......i'm exhausted.....rain stopped temporarily....nappy time

Tyson how you making out brother?

 

thats exactly why im trying to switch...i want to put more against principal and less towards interest

 

i missed some e-pill hunter somewhere. sorry navigation problems, you see that guy .. wyldwynd/bbad

 

the one you replied to?...he got the explosive banhammer

 

bought a newer cell phone today...damn thing wasnt charging i was just about to go back then i figured out how to open the back and the battery had plastic there blocking the contacts...damn idiots dont put instructions in the box anyymore

needed a new one with wifi so i can stop in at tim hortons and check emails while working ..

 

it's really interesting knowing most of the friends you had when you were ten are doing heroin now. I really could have ended up in a different place.

I'm sorry for everyone's losses :grouphug:

The sun just came out after an incredible bout of rain.

 

are you with a bank or a credit union? we have a CU, its not a short drive if we have to go down there on a day off, but its on the way to other errands. they are small, the rates are good, and one of our accounts is a money market that makes like 40-50% as long as the balance in that account stays under $500. so as long as we keep an eye on it. it never gets close to a point where we have to pull money out before we trigger a lower gain, but it has saved us many times with $80-100. i have been with really shitty banks before. ill go out of my way for a good financial establishment. i had one bank that wouldnt let me deposit money into my account, because i hadnt used it. because i hadnt had a job, so there was no money going in. i just wanted to deposit birthday money.
and then there was navy federal. they destroyed my credit. i paid them, and they put it in the computer as 90+ days late, because the person i talked to never talked to the next person. i hate them. we paid that card off with the cc from our credit union. fuck them. i swear at the commercials when they come on.

i cant wait to be out from under the debt. should be able to get out from under it much faster now. then i can do stuff to help people. to achieve goals. to pad a hard landing. we have never had that. and im so disorganized that with less bills coming in, there is a lot less to misplace or forget. or clutter surfaces. and i need to start driving soon, even though i dont want to, so i will need to find a vehicle.

https://www.youtube.com/watch?v=FoGa9JXfA7I"]Lorde - (Hopkins) Royals Parody - Molly Dworsky - YouTube

 

hiking yesterday

 

if youre asking me im with a bank

and that credit line is low interest but already maxed :mickey:

i was with a credit union a long time ago but i didnt like the way they do business

ive been sick for a few years just working enough to get by...now i need to kick into over drive an catch up

 

banks in canada seem to be regulated much better than in the US, i don't hear of many horror stories here.

 

its switched between rain and snow about 5 times in the last hour

what a frigging mess..and of course the city lazyasses didnt come by to clear off the storm drains

 

All rain here... it's just gross and hazy out there. Bleh.

 

Canada is much better. America is run by the greedy.

 

Better, but we've been moving further towards an American-style system. Hell, our government just passed new laws making it illegal for medical marijuana patients to grow their own - they now have to buy it from a private company.