They want 2 months ahead of time if you are moving around and creating new accounts. I have been in the house for 22 years and keep paying my bills with no plans on moving or opening any new electric accounts. They don't ask for 2 months in advance for that. Again I have been through bad credit times and the perceived needs for the good credit score. Didn't like it then and worked towards not needing to be in that system. It takes a lot of work and deliberate efforts to get to that state. They don't teach anyone easily how to do that and they don't want you to know how to easily. There is a lot of money being made in the business of debt in this world. I try to stay on the outside edge of all that. It's a personal choice, but I am proof that you don't absolutely need a good credit score and the current debt system to get along in life. If everyone were to do what I have done, it would create a big slowdown in the economy anyway. First people would have to pay down their existing debt, then they would need to transition to getting money saved up to have the money before they buy something. For expensive durable goods that would be a big lull in sales. My opinion for what a person needs debt for on a personal level, a house definitely and maybe a car. But that car can be a lot less of a car and a lot less cost to do the job a person needs it to do. But in all fairness back in my 20's and 30's there is no way in hell you could have ever convinced me of that. I do remember the feeling of power I thought I had when I could get loans as easily as I did, even when I was trading cars and going upside down on every trade. I still thought I was on top of the world with my credit and credit rating. Life changed and I had a huge drop in income that I could not afford the style of life I was indebted for. I got a lesson in humility real quick. Do I want they nice car and car payment or a house to live in and drive a piece of crap used car? A lesson that was never forgotten that is for sure. Even voluntarily had a car repossessed, they auctioned it off, didn't get anywhere near what I owed them because of all the upside down trades. The bank was so kind as to set up a payment plan with me to pay off the difference. So I still got to make car loan payments for another 4 years on a dead horse. Youth and stupidity of living at my means never giving thought to the idea that income could change and that I might want to live below my current means....
When they changed all the bankruptcy laws years ago and the credit card companies got a lot of concessions and such, I wasn't a big fan of the streamlined legal process they got out of the deal. So I decided to get out of that system. Most people think I am crazy and some sort of super rich person to be able to do this. Not the case, just an average guy who changed a lot of his personal spending patterns and methods of living. It's not for everyone and that's fine. I am not trying to live like everyone anyway. I tried that before and it did not turn out well for me. Thank you, Brian Webster -----Original Message----- From: AF [mailto:[email protected]] On Behalf Of Robert Sent: Monday, February 14, 2022 5:36 PM To: [email protected] Subject: Re: [AFMUG] OT Numbers If you have less than 500, electric companies want 2 months ahead of time.. It gets worse if you get below 400... On 2/14/22 2:09 PM, Brian Webster wrote: > 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
