Bam

Actually I was thinking more of home schooling, but yeah private school is still another option, although it is very similar in this aspect to public school.

oooh, i may have some free time next week, wanna go?

What's away from the norm? Last time I was there with my gf, we shared guns with another couple, well really we played with their guns, lol, they had like 5 and were super cool. And trowa, weekends are best for me as well.

Lucky you, not many people have that option.

who's bored? you, her, or both of you?

wtf, should i even ask?

PIITB. /thread

thanks for the link, it appears only BofA is starting to do that, which I luckily do not have any CC's with. And the fee that Citicard is looking to introduce won't affect me as I charge more than $2400/year on my cards. The first fee I've ever received on my credit cards happened just two months ago, and boy was I pissed. Chase changed the policy on my rewards card from no annual fee to a $30 annual fee. I could either pay the fee, or take a lower rewards card. I chose to pay the fee because the benefits outweigh the cost, but it still burned a little knowing that I was paying a fee. Fucking credit card companies.

huh? that's legal? I have like 10 credit cards, only really use one and never leave a balance on any.

****10/25 MEET at Blackwing at NOON**** EDIT: So far we have these people interested... beer30 +1 verse - next time putty - next time trowa spaceghost jeffro 9t1gvr4 darkformula +1 - next time evanxxx? - +1 Any interest in making this a monthly thing? Like the last sunday of every month or something?

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I read your initial post a few times and never saw the model. GSL, GSL-SE, GXL, etc. Does it have rear disc or drum?

which model is it? power or manual options? is the quarter dented from the rear fender back? How is the underside of the car?

Yeah, it sucks. My gf had something similar done. She had around a $4500 balance on her Citi Card, at 1.99% because of a balance transfer. She was paying it down pretty good because the rate was only good for 15 months, then like a month or 2 ago when she had the balance down to like $8 or $900, citi dropped the limit from $5000 to $1000, but kept her 1.99% rate because it doesn't expire until next month. But we were like DAMN, wtf do we do if need to buy something and don't have the cash, or if her car breaks, etc, she has like $150 in available credit now, compared to over $4000 last month. Citi just said they are limiting their exposure and that lowering limits helps consumers too, basically some mumbo jumbo bullshit. So needless to say yeah, she's almost got that card paid off, but now what are they gonna do when it does get paid off? Close it? She has good credit, no late payments/collections/etc, so what gives?

I wouldn't do that, unless you are carrying a balance and are able to keep a lower rate by closing the card. Otherwise you're hurting your credit score by throwing away years of history. Just my .02

Sorry to hear Buck, but its unfortunately very common now. I agree, Citicard and Capital One are very bad about this. My Chase credit cards went from 7.24% to 13.24% over the past six months, but luckily I don't keep a balance on them so it doesn't really affect me. If you had a nice low rate before and you are actually carrying a balance on this card, it probably makes sense to close the account in order to keep your low rate. Then open a new credit card in the future. Edit - paul, did you cancel the card to keep the 8%, or let it go to 24%? Was there a balance on the card?

Yeah, what I don't think people realize when saying he was going 120mph and didn't have time is that more than likely it took 20 seconds or so to hit 120mph unless he was already speeding quite a bit. I mean toyota's aren't a race car so I would assume while it accelerated it wasn't fast by any means. Even if he couldn't figure out how to put it in neutral, why not ease into the concrete divider? I mean grinding that would surely slow you down to an extent.

My bill got up to $275/month twice last year and my house is small/and I don't keep it too warm. 1500sqft and never above 70*. But the price of natural gas has come down quite a bit so I'm hoping that will help my bill plus we put all new windows in the house and insulated doorways, etc which have definitely helped. I haven't gotten a programmable thermostat yet only because our schedule's are so crazy that I don't think it makes sense.

looks nice man, i miss driving stick...wanna race a gtp?

LOL +1, my dad's suburban didn't think twice about pulling my mazda3 out of my old apartment parking lot a couple years back.

what about the new tail lights? they remind me of a chinese person squinting, lol

LOL, we all know I'm cheap but seriously. You're complaining that you got to enjoy your 57" tv for 7 years at a cost of $.94 a day? I mean c'mon, isn't that worth it? Who needs resale when its that cheap? And your 50", oh noes, it cost you $1.37/day and lucky you both of them still work great and serve their purpose, all while continuing to cost you less money/day.

just an fyi those are factory wheels

THE ANT AND THE GRASSHOPPER This one is a little different... . Two Different Versions.... .......... .... Two Different Morals OLD VERSION The ant works hard in the withering heat all summer long, building his house and laying up supplies for the winter. The grasshopper thinks the ant is a fool and laughs and dances and plays the summer away. Come winter, the ant is warm and well fed. The grasshopper has no food or shelter, so he dies out in the cold. MORAL OF THE STORY: Be responsible for yourself! MODERN VERSION The ant works hard in the withering heat and the rain all summer long, building his house and laying up supplies for the winter. The grasshopper thinks the ant is a fool and laughs and dances and plays the summer away. Come winter, the shivering grasshopper calls a press conference and demands to know why the ant should be allowed to be warm and well fed while he is cold and starving. CBS, NBC , PBS, CNN, and ABC show up to provide pictures of the shivering grasshopper next to a video of the ant in his comfortable home with a table filled with food. America is stunned by the sharp contrast. How can this be, that in a country of such wealth, this poor grasshopper is allowed to suffer so? Kermit the Frog appears on Oprah with the grasshopper and everybody cries when they sing, 'It's Not Easy Being Green.' ACORN stages a demonstration in front of the ant's house where the news stations film the group singing, “We shall overcome.” Then Rev. Jeremiah Wright has the group kneel down to pray to God for the grasshopper's sake. President Obama condemns the ant and blames President Bush, President Reagan, Christopher Columbus, and the Pope for the grasshopper's plight. Nancy Pelosi & Harry Reid exclaim in an interview with Larry King that the ant has gotten rich off the back of the grasshopper, and both call for an immediate tax hike on the ant to make him pay his fair share. Finally, the EEOC drafts the Economic Equity & Anti-Grasshopper Act retroactive to the beginning of the summer. The ant is fined for failing to hire a proportionate number of green bugs and, having nothing left to pay his retroactive taxes, his home is confiscated by the Government Green Czar and given to the grasshopper. The story ends as we see the grasshopper and his free-loading friends finishing up the last bits of the ant’s food while the government house he is in, which, as you recall, just happens to be the ant's old house, crumbles around them because the grasshopper doesn't maintain it. The ant has disappeared in the snow, never to be seen again. The grasshopper is found dead in a drug related incident, and the house, now abandoned, is taken over by a gang of spiders who terrorize the ramshackle, once prosperous and once peaceful, neighborhood. The entire Nation collapses bringing the rest of the free world with it. MORAL OF THE STORY: Be careful how you vote in 2010. AND -------------- this is all factual my friends as I called my CPA to confirm. Dan If you traded in a clunker worth $3500, you get $4500 off for an apparent "savings" of $1000. However, you have to pay taxes on the $4500 come April 15th (something that no auto dealer will tell you). If you are in the 30% tax bracket, you will pay $1350 on that $4500. So, rather than save $1000, you actually pay an extra $350 to the feds. In addition, you traded in a car that was most likely paid for. Now you have 4 or 5 years of payments on a car that you did not need, that was costing you less to run than the payments that you will now be making. But wait, it gets even better: you also got ripped off by the dealer. For example, every dealer in LA was selling the Ford Focus with all the goodies including A/C, auto transmission, power windows, etc for $12,500 the month before the "cash for clunkers" program started. When "cash for clunkers" came along, they stopped discounting them and instead sold them at the list price of $15,500. So, you paid $3000 more than you would have the month before. (Honda, Toyota , and Kia played the same list price game that Ford and Chevy did). So lets do the final tally here: You traded in a car worth: $3500 You got a discount of: $4500 Net so far +$1000 But you have to pay: $1350 in taxes on the $4500 Net so far: -$350 And you paid: $3000 more than the car was selling for the month before. Net -$3350 We could also add in the additional taxes (sales tax, state tax, etc.) on the extra $3000 that you paid for the car, along with the 5 years of interest on the car loan, but lets just stop here. So, who actually made out on the deal? The feds collected taxes on the car along with taxes on the $4500 they "gave" you. The car dealers made an extra $3000 or more on every car they sold along with the kickbacks from the manufacturers and the loan companies. The manufacturers got to dump lots of cars they could not give away the month before. And the poor stupid consumer got saddled with even more debt that they cannot afford. Obama and his band of merry men convinced Joe consumer that he was getting $4500 in "free" money from the "government" when in fact Joe was giving away his $3500 car and paying an additional $3350 for the privilege. Who thinks this makes sense? Think of it this way... A clunker that travels 12,000 miles a year at 15 mpg uses 800 gallons of gas a year. A vehicle that travels 12,000 miles a year at 25 mpg uses 480 gallons a year. So, the average Cash for Clunkers transaction will reduce US gasoline consumption by 320 gallons per year per car. They claim 700,000 vehicles so that's 224 million gallons saved per year. That equates to a bit over 5 million barrels of oil. 5 million barrels is about 5 hours worth of US consumption. More importantly, 5 million barrels of oil at $70 per barrel costs about $350 million dollars. So, the government paid $3 billion of our tax dollars to save $350 million.. We spent $8.57 to for every dollar saved. How good a deal was that ??? They'll probably do a great job with health care, though!!

Clean title, actual mileage, etc? Any accidents that you know of? body damage/rust? T-tops leak? What's the interior? Everything work? ac/cruise/pw/pdl/etc?