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Cheech

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Everything posted by Cheech

  1. Cheech

    PC gamers?

    Fuck, they already have FIVE expansion packs for BF3?
  2. Cheech

    PC gamers?

    I still can't bring myself to use Origin. After hearing all the horror stories, I'm not paying EA money just to put myself in a position of possibly getting screwed over.
  3. Cheech

    PC gamers?

    yup. L4D2 and MW3 mostly, my setup's good enough to branch out into some of the newer stuff that's hitting excellent sale prices now but I'm concerned about it completely monopolizing my time.
  4. Cheech

    Why???

    but I do love his nuts I never even thought about that, yeah that would suck if you get caught in a rainstorm of any caliber.
  5. After being reasonably sure that Huntington was processing credits before debits and racking up my OD fees, and I was getting nothing from them as far as a reasonable interest rate (as reasonable as you can get nowadays), I fired them about 4-5 years ago and switched to Kemba CU in Columbus. Their web-bank was abysmal, after missing a payment to themselves for a car loan I also had with Kemba (they apologized, then let sneak that a change I make on the online bank sparks a manual change that someone from Kemba's side has to do, and that got missed), I immediately jumped ship and moved to USAA. Couldn't be happier.
  6. It's interesting to me the form in which the Native Americans exact revenge. Talk about playing the long game...
  7. That is for seriously mutilated currency, stuff that's been in a fire, buried, decayed, stuff like that. According to what I'm reading, currency that can be established as valid without doing a ton of research (cross-referencing serial numbers, forensic analysis, stuff like that) should be exchanged through the bank without the note ever hitting the Treasury. If you had a note that was taped back together with matching serial numbers on both sides, the bank is acknowledging that this is a valid note and not a forgery, and they STILL won't swap it out, then they're just fucking with you. As for the closing account thing, if all that is accurate, then I'd play the game and send them that letter, certified mail (so you have a paper trail as well). This is the part of the show where banks start to "lose" things that are in their interest to misplace from time to time, so it's important to make sure you're keeping records, record phone calls and meetings if you have them (Ohio is a one-party state for recording, as long as one party understands that recording is taking place (you), you're perfectly legal), and establish you doing your due diligence in case you have/want to take this further up the legal chain.
  8. Again, they don't have to give you a reason, all they have to do is give you notice that your account is closed. This notice comes in the form of a letter, which if you're traveling and not at your billing address you won't receive. There is a provision that they have to disclose to you their reason, but that is upon request. Figured that all out from just his side of the story, eh? The only actual error (as far as I can tell from the info provided) here was the part about the bank not taking notes with tape on them. Any bank will swap out currency so long as more than 50% of the bill is mutilated and it's clear that the value of the bill is valid (serial numbers match on both sides, stuff like that). It sounds like someone from Chase was giving him the runaround, which in my experiences with Chase, is pretty much par for the course. I've dealt with Chase branch management face to face, and they have no problem telling you no to your face just as fast as they tell you no on the phone.
  9. Exactly. My philosophy on choosing a bank is simple. If they have enough money to plaster their name all over arena, stadiums, NASCAR cars and shit like that, chances are they are extracting all that income from working stiffs like yourself. First off, in my extensive international travels I never called my bank to give them a heads up, and I never got a fraud alert on my card either. (AMEX mostly). YMMV on that one. They are correct in saying that you need to formally request (in writing) a reason for the account closure. The reason for this is two-fold; no one sends out written letters anymore, and that will immediately discourage a sizable majority of people like you, and it's buried deep in the culture of banks to create and maintain a paper trail (mostly, BoA seems to miss this with mortgages from time to time), hence the written correspondence. Without knowing the reason for the account closure, I can't speculate on whether or not it's going to hit your credit report. I can tell you for a standard inactive account closure (which this probably isn't based on what you're telling us) the only affect it has on your report is adjusting the average age of accounts, and even that accounts for only 15% of your total credit score. Long story short, something else is going on here. I highly advise going to creditkarma.com and getting a free account, they will run your credit and give you the basic idea of what's happening. There has been a lot of credit companies closing accounts based on your credit history (since they can't just raise interest rates like they used to), so that's also a good possibility.
  10. I would think this would be preferred, no? I'd imagine you have a 30rd mag in there, if you can't hit him in 30 rounds, is that extra shot going to make a difference? Plus, would it take all that much more time to slap or press the bolt release button on the side of the receiver? Not to mention with a .223 round you're already risking some serious penetration into other rooms/other houses...
  11. Or you can buy my Stoeger P-350, $225.
  12. Cheech

    wrecked bike

    Gentlemen, after giving this a little thought, I think we're being trolled. It's just too perfect with the Dad on here sparring, he being so eager to put up texts, no pics of the damage, etc. I have absolutely zero evidence to back this up, but my spidey senses are tingling a bit. Unless someone's got some proof, I'm officially calling complete bullshit.
  13. Barley's Brewhouse Downtown Elevator Brewing/Restaurant Downtown When you're next at BJ's, try to get some Pilsner Urquell on tap, they are one of the only peoples to have it in Columbus. Hot damn do I love that beer. WoB/Bob's Bar is good, however I'd steer clear of anything in the bottles. Beer has a finite shelf life, and it seems that every bottle I get from those places has been sitting there for-friggin-ever and always tastes off. Stick with the tap stuff if possible.
  14. I'm torn. On one hand, after being to the places I've been in Europe, China, and Australia, my worldview has been altered and re-shaped dramatically, and from the Indians that I know personally and professionally, I feel like India would have a lot to offer in a life experience point-of-view. On the other hand, I see and hear about all these crazy living condition, the state of the Ganges, stuff like that and think why would I ever voluntarily put myself in that kind of environment? Jury's still out on that one. I will echo what's been said on here though, if you're going to take a vacation, do some research, plan ahead, and get the fuck out of the "tourist zones" and live a little. You have no idea how much better your trip will be once you really start to get in with the locals.
  15. Cheech

    wrecked bike

    Look dude, a public Internet forum is not place for your personal family issues. I'll admit, it was amusing at first, but now it's just devolved into impotent, redundant rants on how you hate your Dad and he "fucks you over". What were you expect to happen here, we're you seriously expecting to have everyone immediately take your side, especially given your long and storied history of rampant douchebaggery, hyperbole, and general dickheadishness? Were you seriously expecting unqualified support? Yes, there's something to be said for respecting your wishes. There's also a proper way to deal with these things, and that's to take it the fuck off the internets and handle your business like a man, not a petulant child.
  16. Cheech

    wrecked bike

    Quoted for funnies. Apparently smashing a side mirror counts as a wrecked bike now.
  17. Cheech

    wrecked bike

    So can we get over the fact that your dad was riding something he shouldn't and get to the damage part of things? "Wrecked" gets tossed around a lot these days, what's actually broken on it?
  18. The GF and I are coming. Fuck dealing with the hipster masses at Holiday Hop, I've got shit to watch burn.
  19. AR-15's strike me as commodity items, the lowest of the low as far as a value proposition. People horse-trade AR parts all day long. In my observation, the real money is in the more obscurer/rare stuff like the FS2000, KSG, precision sniper/hunting rifles, stuff like that. However, if I knew of a legitimate scare coming down the pipe, like some legislator publicly sponsoring legislation that would kill the ar-15 market (and that legislation having legitimate traction, not just Feinstein spouting shit again), I very well might start to emptying bank accounts and get everything I could get my hands on to re-sell to the scared rubes.
  20. My point is, given the recent run on the gun supply chain that, if I'm reading MT's posts correctly will take months to return to normal, it's entirely possible and predictable to buy something in, say, a year and then sell in 4 years to a tidy profit, as long as the gun is kept in good shape obviously with minimal to no effort on my part other than the capital being tied up in a hunk of metal in my closet.
  21. When you're right, you're right. I'm sure those motherfuckers will be along shortly to start their normal extortion routine.
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