I have no idea what my credit score is and have not needed to know it for the last 20 years. The only subscription stuff I have are electricity and phone lines. Cell phone service I found good prepaid/debit card paid solutions that work great for me. I can still do electronic transactions using debit/credit cards attached to my back accounts. I can still book travel including pane tickets and such and haven't had any issues in that time. The kicker though is that I am using my cash either in advance or immediately at the time of purchase/consumption. The upside to that for me personally has been that I am a bit more conservative in the things I spend that money on because I don't have that 30 day float. I am also forced to keep more money set aside for things that most people consider "emergencies" that most people swear they need a credit card or two for. Now admittedly because my business is consulting and not materials and inventory based, I have had the luxury of being able to develop and live my life this way. Not everyone in business can do that and I get and respect that point. I have also lived through a couple of tough times (and an ex-wife) in my younger years where I believed I absolutely had to have credit and credit cards etc. What I learned the hard way, was that I was just living beyond my means and I didn't want to admit it. I was sucked in to the consumerism and hadn't learned that some things are good enough and cost less. I certainly don't miss the pressure of excessive debt load in my personal life.
Thank you, Brian Webster -----Original Message----- From: AF [mailto:[email protected]] On Behalf Of Robert Sent: Monday, February 14, 2022 4:48 PM To: [email protected] Subject: Re: [AFMUG] OT Numbers Have you had a low ( less than 700 ) credit score in the last 15 years? It really does interesting things to when you buy any kind of subscription service ( except ISP ).... On 2/14/22 12:38 PM, Brian Webster wrote: > If I am not borrowing money and getting in to or staying in debt, why the > hell do I care about my credit score anyway. That's just another construct > people have been lulled in to believing. I just save money and pay for this > once I have the cash. I am also saving up for my eventual care when I get > old, not expecting the government to have to pay for my old age care. You > know actually thinking ahead and having a savings for those eventualities and > the fact that inflation happens at a faster pace when you are retired and do > not have any more earning power. The money has to last the rest of your life. > Inflation still happens after you retire. But my thoughts like that are lost > on most of society and like Mike Hammett is fond of quoting today "most" :-) > > > Thank you, > Brian Webster > > > -----Original Message----- > From: AF [mailto:[email protected]] On Behalf Of Robert Andrews > Sent: Monday, February 14, 2022 3:10 PM > To: [email protected] > Subject: Re: [AFMUG] OT Numbers > > If you keep as little as $20 on only one of your credit cards, your > credit score goes up 50 points. This is the absolute proof that the > money changers are gaming the system... The confirmation of that is > the lowered rates for things like insurance for higher credit scores and > how higher credit scores contribute to your evaluation by HR for new jobs... >> <part15sbs{at}gmail{dot}com> >> >> On 2/14/2022 11:29 AM, Jan-GAMs wrote: >>> The bank really hates you if you have no debt, can't get a loan if you >>> have no debt. My newest car is 22 years old. My other work truck is >>> 54. My house is paid for. I'm thinking of putting in solar panels >>> and converting my 3rd car into an EV and eventually converting the >>> house and well to solar too. F*** the greedy power company and the >>> rigged banks. >>> >>> On 2/14/22 11:15, Brian Webster wrote: >>>> Living in rural America I am not a fan of the range limitations. For >>>> me it's not uncommon to have to take a trip 60 to 90 miles in one >>>> direction and then back in the same day. It's also not uncommon to >>>> want to take a trip and covers 300 or more miles in that day on the >>>> long trip. I do not want to be limited to 250 miles before I have to >>>> stop for an extended period to recharge. Personally that is a serious >>>> limit on my personal freedom of movement. For instance it's not >>>> uncommon for spring or winter breaks to drive from upstate NY to >>>> Florida in a single 24 hour period. When you only have a week for >>>> vacation tag team driving to get there with a carload of people is >>>> still cheaper than try to fly everyone. Also the restriction of being >>>> able to haul larger loads similarly are a big limitation. Having a 27 >>>> foot camper to load the family up and take a vacation is not possible >>>> with the current availability of EV's out there. >>>> >>>> Let's also consider the other elephant in the roof, the actual cost >>>> of the vehicles. New car prices are outrageous. Personally I like to >>>> buy used vehicles with higher mileage and typically pay less than 10 >>>> grand(usually a lot less) and pay cash for them. I haven't had a car >>>> payment in over 15 years and do not want to be forced in to having to >>>> do so. With getting closer to retirement age every year, I do not >>>> want to be forced in to incurring debt. For me the goal is to be debt >>>> free, not have to fork over 30 grand or more just to be able to >>>> continue to transport myself around. People making decisions like no >>>> more gas engines for lawn mowers and such, they tend to live in some >>>> sort of state of constant debt, if they are in government they have >>>> no concept of not being in debt. Most will think I am crazy for >>>> thinking this way because society just wants to accept that debt is a >>>> necessary way of life. That debt for purchasing and converting to >>>> EV's and getting away from fossil fuels is in my mind not being >>>> fairly considered in the process. >>>> >>>> Thank you, >>>> Brian Webster >>>> >>>> >>>> -----Original Message----- >>>> From: AF [mailto:[email protected]] On Behalf Of Robert Andrews >>>> Sent: Monday, February 14, 2022 1:49 PM >>>> To: [email protected] >>>> Subject: Re: [AFMUG] OT Numbers >>>> >>>> There are also a bunch of real life tests published on Youtube. Seems >>>> like everyone in the cold wanted to either brag or complain... >>>> >>>> On 2/14/22 09:56, [email protected] wrote: >>>>> Since a lot of you guys seem to have first hand experience with the >>>>> EV’s >>>>> Ill ask. How do they do on range in cold environments? We have often >>>>> wondered how they heat the inside of the vehicle in -10F and how it >>>>> affects the range of the vehicle. Those temps are common for us in >>>>> January and February. >>>>> >>>>> Thanks, >>>>> >>>>> Brandon >>>>> >>>>> *From:* AF <[email protected]> *On Behalf Of *Bill Prince >>>>> *Sent:* Monday, February 14, 2022 11:15 AM >>>>> *To:* [email protected] >>>>> *Subject:* Re: [AFMUG] OT Numbers >>>>> >>>>> It's not thye electric motors that are at fault. Once the battery tech >>>>> gets sorted out, there will be no good reason to use dino-fuel. >>>>> >>>>> bp >>>>> >>>>> <part15sbs{at}gmail{dot}com> >>>>> >>>>> On 2/14/2022 9:11 AM, Mike Hammett wrote: >>>>> >>>>> Sure, but efficiency isn't everything. Fortunately, EVs are also >>>>> better at torque than diesel and gasoline. >>>>> >>>>> Where they don't shine is range when actually working. >>>>> >>>>> >>>>> >>>>> ----- >>>>> Mike Hammett >>>>> Intelligent Computing Solutions <http://www.ics-il.com/> >>>>> <https://www.facebook.com/ICSIL><https://plus.google.com/+IntelligentComputingSolutionsDeKalb><https://www.linkedin.com/company/intelligent-computing-solutions><https://twitter.com/ICSIL> >>>>> >>>>> Midwest Internet Exchange <http://www.midwest-ix.com/> >>>>> <https://www.facebook.com/mdwestix><https://www.linkedin.com/company/midwest-internet-exchange><https://twitter.com/mdwestix> >>>>> >>>>> The Brothers WISP <http://www.thebrotherswisp.com/> >>>>> <https://www.facebook.com/thebrotherswisp> >>>>> >>>>> >>>>> <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> >>>>> >>>>> ------------------------------------------------------------------------ >>>>> >>>>> >>>>> *From: *"Bill Prince" <[email protected]> >>>>> <mailto:[email protected]> >>>>> *To: *[email protected] <mailto:[email protected]> >>>>> *Sent: *Monday, February 14, 2022 11:06:28 AM >>>>> *Subject: *Re: [AFMUG] OT Numbers >>>>> >>>>> It's approximately 33 KWH of electricity is equivalent to 1 gallon >>>>> of gasoline (probably less for diesel), so EVs with 60-80 KWH >>>>> batteries are running a couple hundred miles (or more) on the >>>>> rough >>>>> equivalent of < 3 gallons of gas. >>>>> >>>>> bp >>>>> >>>>> <part15sbs{at}gmail{dot}com> >>>>> >>>>> On 2/14/2022 8:20 AM, Mike Hammett wrote: >>>>> >>>>> The funny thing is that while diesel has superior >>>>> performance to >>>>> gasoline in many ways, EVs have superior performance to diesel >>>>> in many ways. >>>>> >>>>> Kinda ironic... >>>>> >>>>> >>>>> >>>>> ----- >>>>> Mike Hammett >>>>> Intelligent Computing Solutions <http://www.ics-il.com/> >>>>> <https://www.facebook.com/ICSIL><https://plus.google.com/+IntelligentComputingSolutionsDeKalb><https://www.linkedin.com/company/intelligent-computing-solutions><https://twitter.com/ICSIL> >>>>> >>>>> Midwest Internet Exchange <http://www.midwest-ix.com/> >>>>> <https://www.facebook.com/mdwestix><https://www.linkedin.com/company/midwest-internet-exchange><https://twitter.com/mdwestix> >>>>> >>>>> The Brothers WISP <http://www.thebrotherswisp.com/> >>>>> <https://www.facebook.com/thebrotherswisp> >>>>> >>>>> >>>>> <https://www.youtube.com/channel/UCXSdfxQv7SpoRQYNyLwntZg> >>>>> >>>>> ------------------------------------------------------------------------ >>>>> >>>>> >>>>> *From: *"Bill Prince" <[email protected]> >>>>> <mailto:[email protected]> >>>>> *To: *[email protected] <mailto:[email protected]> >>>>> *Sent: *Monday, February 14, 2022 9:46:36 AM >>>>> *Subject: *Re: [AFMUG] OT Numbers >>>>> >>>>> It's called "rolling coal", and it is all the rage for people >>>>> who think EVs are the devil's spawn. >>>>> >>>>> bp >>>>> >>>>> <part15sbs{at}gmail{dot}com> >>>>> >>>>> On 2/14/2022 6:38 AM, Jan-GAMs wrote: >>>>> >>>>> In the past year I've observed that agressive driving >>>>> seems >>>>> to be the norm now. More assholes, especially pickups >>>>> using >>>>> farm diesel (black-foul-smelling-smoke). I been >>>>> thinking of >>>>> investing in a stash of bumper stickers to stick on their >>>>> trucks that says "shoot me please". >>>>> >>>>> On 2/13/22 12:28, Steve Jones wrote: >>>>> >>>>> Its possible that with the lower threshold more folks >>>>> were able to be arrested before they couldgo fora >>>>> croaker cruise. >>>>> >>>>> Its more probable though that ride sharing grew during >>>>> that period and the generation of party drinkers >>>>> used it >>>>> more as a matter of trend. >>>>> >>>>> Drinking establishments being closed or otherwise >>>>> inaccessible due to the rona too probably playeda huge >>>>> role, like the seeming disappearance of flu. >>>>> >>>>> On Sun, Feb 13, 2022, 1:33 PM Chuck McCown via AF >>>>> <[email protected] <mailto:[email protected]>> wrote: >>>>> >>>>> During Covid, in Utah, there have been the highest >>>>> rate of deaths ever recorded due to car crashes. >>>>> >>>>> Meanwhile, at approximately the same time another >>>>> experiment was running. >>>>> >>>>> Late 2018 Utah lowered the blood alcohol level for >>>>> driving from .08 to .05%. >>>>> >>>>> Many, including myself, figured that there >>>>> would not >>>>> be a significant difference. >>>>> >>>>> But I also commented at the time that this one >>>>> will >>>>> be easy to prove or disprove. >>>>> >>>>> Deaths and crashes linked to drunken driving >>>>> dropped >>>>> by 19.8% since the law took effect. I think one >>>>> could say that is statistically significant. >>>>> Glad I >>>>> was wrong. >>>>> >>>>> -- >>>>> AF mailing list >>>>> [email protected] <mailto:[email protected]> >>>>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>>>> <http://af.afmug.com/mailman/listinfo/af_af.afmug.com> >>>>> >>>>> >>>>> >>>>> >>>>> >>>>> >>>>> -- >>>>> AF mailing list >>>>> [email protected] <mailto:[email protected]> >>>>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>>>> <http://af.afmug.com/mailman/listinfo/af_af.afmug.com> >>>>> >>>>> >>>>> >>>>> >>>>> -- >>>>> AF mailing list >>>>> [email protected] <mailto:[email protected]> >>>>> http://af.afmug.com/mailman/listinfo/af_af.afmug.com >>>>> <http://af.afmug.com/mailman/listinfo/af_af.afmug.com> >>>>> >>>>> >>>>> >>>>> -- AF mailing list [email protected] http://af.afmug.com/mailman/listinfo/af_af.afmug.com -- AF mailing list [email protected] http://af.afmug.com/mailman/listinfo/af_af.afmug.com
