Doug1647545489

I always keep about a quarter of my limit in running balance on my cards because i've heard exactly the opposite(not from bankers, but family). Banks want you to keep some kind of balance and keep paying on them to show you're a loyal paying customer and show that you're always making payments on time.

 

I've always done this on my cards and I'm well above 700 in credit rating at the age of 23, without taking out any loans.

Not true. I have never used my only credit card since opening it in 2004. It's only for emergency. So that means no balance...ever. Only debt I have is my car. Why would you carry a balance and pay interest if you don't have to? Fuck throwing money down the drain.

My middle score when applying for my first mortgage a couple weeks ago was 762. They were actually suprised at how high it was with no mortgage. After a year or so into my mortgage I should be closer to 800.

Very well put. I was just thinking the same thing the other day. Would you rather make $100,000 plus per year working 50-60 hours a week in a stressful environment or would you rather make $30-40,000 a year working 35-40 hours a week?

The problem is that you might be happy at work and it might be easy, but only making 30-40k would put a huge financial stress on you at home. Living paycheck to paycheck with no savings, etc... Especially if you have a family.

A stressful enviroment can still be very rewarding.

I've always said I'd rather be poor doing something I enjoy than wealthy and despise getting up in the morning and heading in to work.

So why can't you have both?

The way I see it is be the best at whatever you do and the money will come.

We have no quotas.

 

If your concern is the safety of your community you simply need to call in and complain about the lack of community patrol in your area.

 

Patrol keeps crime down.. the # of officers on the road in general does not necessarily have everything to do with it. However more officers taking calls and being REACTIVE = LESS officers patrolling to be PROACTIVE. More proactive patrol = less chance of crime happening in that certain area.

 

Officers mirror locked or 10 deep at chipotle = less patrol = more crime.

 

It’s simply a matter of calling and complaining every time you see stuff you don’t like.

 

There are so many ways to answer the question based on what dept you are questioning. Each dept has different views, different policies and procedures, different supervising staffs, different ways of handling calls and running traffic, I could literally go on and on for days

 

Feel free to ask more in depth questions if you wish

What would happen if next month you didn't write a single ticket. Just responded to calls or gave out all warnings. I'm sure someone would at least ask what's going on.

It's a double edge sword. You have to have some kind of traffic enforcement, but on the other hand they are a great source of income. I mean speeding/traffic tickets could be a points violation only. No fine and at 12 points you get your license taken away like normal.

Do you have to show proof you are affiliated with that company?

When I traveled I just expensed everything so I didn't pay too much attention to prices. Especially when I traveled international. I think it was about 500 a night when I stayed in London for a week.

Sorry to hear about your problems. I'm supposed to close on my house June 15th. I went with 5/3 and they have been awesome . I put in my application a week and a half ago and I will have final underwriter approval today. Which means I can close anytime afterward. I have until the 30th to close with the seller. The only way I could get fucked is if I don't close by the 15th I'll lose my 30 day lock on 4.25%.

5/3 works very quickly. I had all the docments they needed when I filled out my application ( I had been shopping around so I knew what I needed), appraisal within 24 hours, I had my inspection the next day, and now will have underwriters approval within a week and a half of app. Now I just have to write the big check

If they bring it over here, I'll order one.

EDIT: nevermind I thought it was AWD

Here are some new pics today. All the stress is starting to subside and i'm starting to get excited.

Lawn still needs lot of work...

http://i44.tinypic.com/301zkex.jpg

Side car garage. I plan on building a tall 1.5 car garage next to the house as a little shop.

http://i40.tinypic.com/29zra7m.jpg

Back with covered porch.

http://i42.tinypic.com/28jy81g.jpg

Entrance. Brazilian Koa hardwoods. It's hard to get a feel for how high the ceilings are, but they are 11-12 feet.

http://i40.tinypic.com/ftixrk.jpg

Kitchen.

http://i43.tinypic.com/jgkx11.jpg

Master suite with sitting area.

http://i44.tinypic.com/4ujabn.jpg

http://i40.tinypic.com/2v2ulbc.jpg

Bonus room

http://i40.tinypic.com/2exv4gm.jpg

Garage that's a little oversized.

http://i42.tinypic.com/volcvt.jpg

Congrats, Doug! Looks great.

 

Factory Five Daytona???

Yeah probably FFR.

No more supra project though. I'm going to build one of these with a nascar inspired small block ford. Hopefully 550-600 HP.

http://cache.jalopnik.com/assets/resources/2007/07/daytonacoupe1.jpg

New/Better pics on Thursday when I walk through again. It will be weird walking through again knowing that it's mine.

That is the MLS pic from last summer. The lawn is nice now.

It's also kind of cool the house number is 1320

I finally found my first house. I close on June 19th. New build, 3 bedrooms with a huge bonus room which I'm going to turn into a home theater. It has all the upgrades and a huge 2 car garage. The lot is .5 acres and backs onto the forrest. I can't wait to move in and to start getting some new furniture.

I'll get some inside pictures when I go for the inspection next week.

http://photos-a.ak.fbcdn.net/photos-ak-snc1/v3762/125/6/515552224/n515552224_1643936_4995242.jpg

I used to valet while in college. We didn't get many cool cars, The odd corvette, STI, etc... And yes if we got a semi cool car we were taking the long way back to the lot.

Best thing to do is a couple bucks on the way in and a couple on the way out.