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we live in a time when you can diversify your risk down to just, market risk. That is the lowest form of risk you will get. As I said in this thread earlier...low cost index funds are the best investment there is. It's the best return for the lowest amount of risk. We live in the best of...

What I want to know is...how do they know all you guys are old. Why can't i get these...

Elevation also plays a role in octane. The higher the elevation, the easier it is to pre-ignite a lower octane fuel. For my twin turbo truck, premium is a must at high elevation to not have the timing so retarted that it robs all the power turbos were designed to produce.

I have every type of chain saw sharpener known to man, expect for a silvey grinder. If I find one of those I will buy that too. However, the best technique after going through all these process is still hand filling. I put some time into really learning how to do it. I have found it gives...

Inflation is now showing up in service based services. Inflation comes for all...

Arly does not have the personality or temerment to handle thread drift.... In fact, feel free to start your own thread on thread drift...

The oil companies were profiting off of wells already drilled. Now the wells drilled when oil is high, that is one high break even point to overcome. Oil companies are now going to be under extreme pressure to remain profitable.

Do you understand why that was the case?

The big question is... Why would oil and gas companies want to invest in new production when there is a concerted effort to regulate them out of existence. We will get that $6-7 dollar gas...then a few years later we will get those huge electric bills. This is not how free market capitalism...

Feel free to make your own thread on feller bunches. Arly

I think the word your looking for is duty cycle. Duty cycle is largely managing thermal cycling. Turns out common rail diesels love a higher thermal temperature to have complete combustion. It kind of solved the higher duty cycle needs all by it's self...

There is a replacement for displacement and it's called turbo psi. Welcome to the 21st century.

The Climate has become a religious calling to many...

I am the VP of Actuary for all of the Blue Cross Blue Shield plans... The lifetime healthcare will not go away under me and I will make sure it's grandfathered in regardless...

Technology. If a smart phone in 2021 costs the same in 2022, they subtract out the increase from 2021. It's still funny math as the number of things increasing far outpaces the things that decrease. But yes, real inflation is well into the 30% range.

The COVID money might almost be done, but the Inflation Reduction act money is just starting to hit. The inflation reduction act was just a massive stimulus bill much like COVID money was. In fact, yesterday inflation rose to 6.5% year over year, that is 6.5% on top of the 8.5% from the 12...

This may seem obvious, but it needs to be said... A filter gets better at filtering the dirtier it gets. The dirtier it gets, the less flow it has. So there is always a balance to good filtration at the sacrifice of flow. What is more important for the application at hand will dictate what...

What kind of fittings are on the GC1710 loader hydraulic hoses? JIS? I need to replace a few of the hydraulic hoses and need a cap to put on the ends until I can get one made. I know it's 1/4 hose, just not sure on the fitting.

What does Vanguard charge to say this? If the answer is anything over $0...you are working for them.

Wait until I tell you that I have never had a pot hole. I live by the rule of...good roads have good ditches. Mine are at least 6 feet below the road surface.

Already factored in...

See I think a driveway should be idiot proof. It should be wide enough to accept delivery trucks and get them back out in a manner that dosen't mess everything up. There should be no anxiety to having a delivery...Any idiot can manage my driveway.

Yes. The huge benefit is not paying WallSteet for management fees. The fees kill a person over the a person's investment lifecycle. Never forget these charts...

It just goes to show how much these OEM's want people to finance their products. They get to make money on the equipment plus the financing. Being a cash buyer is no longer an advantage. I know with ford, it's better to finance with them and get all the rebates. Then about 3 weeks...

If any financial advisor tells you to invest in anything other than low cost index funds...your working for him and he is not working for you.

Retirees are going to be hurting. They no longer any abiltiy to grow an income with raises. SS did a COL adjustment, but real inflation is much higher than government stated inflation. I truly feel for them.

Inflation is the single worst thing an economy can endure. It strips away so much wealth and what is know as the velocity of money. All for what, cheap money getting people over leveraged with high asset prices. The Fed did this country no favors with holding interest rates so low during...

I unfortunately can't do the math on this one since the price was the same and the financing is a separate fee not amortized over "x" number of years.

Well this was not true when interest rates were 3%. Now that interest rates are 6%+...the rule of 72 comes into play. I wish someone that just bought a tractor would give us what Kubota quoted for a cash price and what Kubota quoted for the "0%" interest price. Then I could tell you exactly...

you came off like your the project farm guy. You should probably edit it to say you copy and pasted the dialog.

I wanted to know if Kubota is bearing some of the financing costs, so I did the amortization calc. There are calculators on line that do it. On a 50k tractor, with an 84 month loan at 6%, the interest comes out to around 11, 350. That same tractor at 84 months and 3% is around 5,500. The...

Then who pays for the 0% financing costs? How can you buy down from 0%?

Stupid should hurt...as you found out. Just made my signature this...

https://frugalhausfrau.com/2019/10/29/restaurant-style-mexican-ground-beef/

Those are so simple that a key is just a convivence thing. All it would take its touching the two wires together. I bet that old beast is hard to start. I bet it would have to be jumped for awhile and it's probably an ether addict. I really doubt the new age soyboi's or a meth head could...

You got it. Look at your parents and you will see your future.

If you can afford it, get a supplement with plan G. If you start off with a lower coverage plan, if you ever want the better plan, they would have to underwrite you to get into it. You can always go down in coverage, but it's hard to go up in coverage. I would stay away from advantage plans.

I never believed in Euthanasia either, but I see a need now. I'm going out like the Indians around here did. I am going to take a bunch of peyote and go on my vision quest. I already have my spot and I will sit there and do what ever peyote does to you. The Indians never died of the...

I get that portion of why people in that condition need a place like that. My grandfather is there because he is in that condition. Visiting their dining rooms is an educational experience everyone should experience, and just observe.

I have had a grandparent in a nursing home for the last year now. I never knew how stupid expensive it was, 12K a month. I would say 95% of the people there can't afford it and the state has pretty much a lien on every asset some of these people have. I will set aside a chunk of money to...

The irony here is... A common rail diesel without emissions will be cleaner burning than as emission compliant 24v with injection pump. I understand your predicament due to where you live. I on the other hand walk into my local shop and they will delete anything today. It's crazy the polar...

You have some holy grail fire wood there...

I get the economics of it. Like I said, everything goes back to the emissions. It was the first heavy emission based engine for Ford and Navistar. They got some things wrong. They learned a lot too. All the first year emission based trucks form all OEM's struggled. The one thing they did...

The block on 6.0 and 6.4 are one of the strongest ever made, I doubt you would need to do anything to it at 117k miles. Emissions killed that engine. The regen was made to dump fuel in 7&8 to burn off in the DPF, but lots of fuel got into the oil. All that extra fuel in the oil made the valve...

That shop that said 17k to fix the 6.4 is nuts. I won't say why to derail this thread, I swear shops take advantage of unsuspecting 6.4 owners. The 24v is a good engine, I think the 5.9 is a bit better built in the block than the new 6.7. I hope you get it all worked out and running right...

I have heard bad things about trufuel. I like the alkylate fuel, which is Aspen fuel or Motomix. This dosen't dry out rubber bits and it dosen't take out the fuel pump diaphragm. I know it's expensive, but it's worth it.

Fresh corduroy and blue bird sky's before a board meeting...I am going to slay this.

I hope you're not tripping it by pushing into a pile of snow.

It's still is the sudden stops that are hard...

Look at all that cold air settle right into the valleys. I like kremmlling. I hit it up whenever rabbit ears is closed and I have to go through that pass I always forget the name of.

The coldest I have ever been is when I went heli skiing in Alaska. That moist cold air went right to the bone. I'm use to cold, but a dry cold. That kicked my butt...

Welcome to database management. I call them, Fractal Rube Goldberg Machines. As they fix the code more problems arise. A delicate balance like a Jenga tower. One wrong move and the whole thing collapses. As a data point. On a desktop at the office with more firewalls than fort knox using...

And just for clarity...I'm not talking about getting your wifes hoover out.

Get a vacuum going, go try to light a match in it...report back.

Sorry, I thought you knew physics.

Blame the brits and that damn common law...

I don't know why someone would try to ignite vapors in a vacuum.

And just think...you didn't need to take a physics class to figure out the difference between liquid and vapors. Poor Blitz...if the judge only knew physics.

like that stops them.

Because the normal guy thinks they're a filter that prevents flow. They just rip them out, then the bonfires are fun again.

No...The EPA mandates flame arrestors.

Have you never been to a boat ramp?

Please think of the guys that pour gas on a fire. We need to protect that gene pool.

I actually kind of like to go to the steamboat rodeo at least once a summer. The old lady and I go to our favorite restaurant by the river then walk across and watch for awhile. Every year I tell her about the story of a young me spending a summer up there with friends and we lived right above...

The real tough guys are the rodeo clowns. I work with a guy that was a rodeo clown for years at Cheyenne Frontier Days. His last rodeo he got trampled by a rowdy bull. His wife made him quit or she was going to divorce him. Good thing he had the best health care there is... Cowboys are...

Did you watch that new video when mentioning the intercooler leak? I'm going to call you Nostradamus.

Spill proof was the OG flame arrestor. Same function. The lawyers refined the name.

I'm going to poach this to send to IT when they blow things up...

If he poped an intercooler, we would have heard it hissing and the dodge would have been gutless. In my experience with blowing off intercooler boots...

what makes you say this?

Chicken and the egg EPA sets gas can regulations Gas cans need some sort of flame arrestor for people that like to pour gas on a fire. Turns out not many people pour gas on a fire. Turns out more people get hurt from the vapors igniting from an indirect source. Blitz says, but the vapors are...

This is from one of the law firms going after Blitz in a class action. Somehow this thread thinks only pouring gas on a fire can burn you and the lack of a flame arrestor is the problem. The law firm makes reference to the vapor issue. The vapor issue is the big issue here. As most people...

Nah...your believing the lawyers and not thinking critically.

Ok lets start of with the basics... what is more flammable: Vapor or liquid?

You posted the link and brought up Blitz to make a point on non regulation. Ironically it was regulation that did them in... It's astonishing to think the root problem of the Blitz issue framed by lawyers; was a flame arrestor not being present and not the root cause of non venting. Everyone...

The EPA makes Blitz make non venting gas cans and then Blitz gets blamed for making a compliant can. I think I know where the blame should be placed.

I have always subscribed to... Stupid should hurt. It is a good check on society.

ok, you said plastic screens. :confused:

She found out she just likes girls more...

Are you sure they're not metal screens. Plastic screens do absolutely nothing. Since they do nothing, it's not surprising your life did not change.

They are regulating away oil and gas. Is it not obvious?

How do you function in life being so afraid of everything? I didn't see one person sitting off to the side trembling in fear. I think they are all better off living through that experience? No?

Were we watching the same thing...i saw none of that happening. They all were safe distances from the "decapitation zone".

I didn't see anything wrong with it. I saw a lot of young men learning a bunch of stuff that day. An education is not free...

muff mods are just defeating the EPA noose. There is still backpressure present...it's not like a muff mod deletes the backpressure.

It is one of the best songs ever. Saw STP and Alice in chains in 99. That was a concert.

I think back pressure is rooted in the physics of the two stroke motor. Take away the back pressure and all the torque goes away as all the compression leaks out before the detonation event happens at the correct time.

They're not worlds apart though. The physics is exactly the same. Not a thing different. The only difference is dirt bikes have room for a tuned exhaust where chainsaws don't. They both need backpressure to run right. A tuned muffler just synchronizes the pulse wave back a little better...

I don't think the goal is just to move air. The goal is to have the most amount of fuel/air at the precise moment of detonation at the top of the compression/power stoke to throw that piston down with as much force as possible to create power. Having backpressure optimizes that precise moment...

You run a straight pipe and I will run a muffler modded chainsaw and guess who will win?

Two-stroke exhaust is part science and part art, as far as I can tell. A properly set up system not only scavenges the burnt charge from the combustion chamber, it directs a "reverse" pressure pulse to keep the incoming charge in place. I have read that a 2cycle has a "secondary" compression...

deep and interesting...

2 strokes need moderate backpressure. Do an experiment... Sneeze into two cups. One cup has the entire bottom cut out. The other has a 1"x1" square cut in the end. Which one has the higher exit velocity?

It not the pushing, or even the throttle pressure...it's the sudden stops that is hard on equipment. This is true for both the engine and drivetrain. Pushing snow and then suddenly stopping does not prevent the physics of momentum from proceeding to the weak link. Every ATV, UTV based...

Are some claiming these were heat treated properly?

BRP needs to talk to Toyota on how to heat treat metal. That is just bad manufacturing. Plowing is hard on a machine. Whenever you stop a moving machine because you physically can't move forward anymore...it's hard on it.

I just have a bag of pine shavings in a steel trash can. Dip a small metal paint can in the shavings, pour in a little kerosene and dump in the bottom of the stove. Then I pile on small wood and then put a few large splits on top. Light the shavings/kero, close the door but don't shut it and...

Ignoring is for the fragile ego...

I wish all the mods would put me on their ignore list...it would save a lot of hassle.

If I'm getting the logic right here...if one administration can ban gas stoves. Why can't the next one ban electric cars? Is there any difference in policy here, outside of your favorite energy source being promoted administratively?

They have been promising a new, cheap, clean, reliable, and plentiful source of energy for the past 30 years. And...here we are discussing banning cook stoves.

Technology comes with a price. Housing affordability will suffer. Inflation will continue.

If the war in Ukraine has taught the world anything, it's that energy diversity is paramount. This backwards thinking of relying upon electic for everything, will have painful effects later on. Take out the US grid...take out the US. Seems simple even for dumb dictators.

You should throw out that CC and get the bank to get you a new one.

I see a bunch of $$$$ going out the window...

Sand blast>primer>Top coat (JD industrial Black now called Blitz Black). You're not building a concourse quality truck, so don't overthink this and stick to the tried and true methods. I don't think they make the JD industrial black as the same formula as they use to, but hopefully I'm...

probably because the problem is not on the homepage...rip.

I found an old wagon next to an old barn. Dragged it up to the house and parked it next to the road. It's been there for years exposed to the elements, still in good shape.

When I repainted my 1988 toyota truck with epoxy primer, I waited 2 days. It is still holding up today. The problem I had was it was my first paint job. I didn't put enough mill thickness down to build up the paint layer. I now, 12 years later, have some of the top coat wearing through...

essentially. They say you have 7 days to top coat an epoxy primer, but I think it's more like 3-4 days. I guess it kind of depends on the spray booth. My buddies is capable of doing both sand blasting and painting. If that is the case, you don't have so much exposure to the air. It's...

If you can't paint the expoxy primer in 3-4 days...don't use it. For a truck frame, just a good high build primer is fine. Then use an industrial coating, like JD industrial Black, for a top coat. It's really more about mil thickness. You want a lot of primer and paint on a frame. The...

I tried every piece of equipment to plow the snow at my place in steamboat. My problem was I would be away for a couple of weeks then come up and have to dig out from feet of snow. That got old real quick. This was my solution...heated driveway. Best money ever spent.

Glad to see some holiday blessings.

For some reason, I can't see Andrew going to an accountant often. I know he should and probably does with the amount of equipment he buys. I wouldn't be shocked if he takes the standard deduction, and pays full tax on all his income. I am constantly shocked how bad some people are about...

12/24/2022, 1:40 am

Yeah, not do it. My theory is let someone else deal with those headaches.

Save it. That is a good saw. HL supply is a great place for parts.

It dropped 50 degrees in 20 minutes this afternoon. A record even for WY. dropped 50

If the battery is too dead, the new chargers will not charge it. Smart charges are actually dumb chargers. There needs to be some life in the battery. Sometimes I hook a second battery charger up to it as well just to trick the charger into charging it. This only needs to be there for a few...

This is the info to persuse. It probably going to be m8 or m10 by 1.0 or 1.25 thread pitch. Then figure out the length. 20mm, 30mm. Etc. Stores will sell them denoted as M10x1.0x20.

For a million bucks; that has to come with oil heater, block heater, battery heater, and hydraulic heater. I bet all the oils are super thin. Cold is just hard on equipment.

I like to see a man proud of his country and countrymen.

There is so many pluses and minuses that at the end of the day, it's which problem can you deal with the best.

By getting stuck, do you mean SS have more ground pressure and sink in deeper, while duels tend to float more? Theorizing here. I been wanting to get a new skid steer and the only thing holding me back is the need to add another trailer that can do more than 14k, which is all duels or SS...

Every time I see a kubota UTV...

I once thought about how much wealth he has tied up in equipment. It's actually not too bad to park some money in equipment. You don't have to pay reoccurring taxes or registration fees, meaning there is no ongoing maintenance fees to maintain wealth. I bet he can sell just about every piece...

Drove by the Schlumberger yard, which is at the intersection of the BNSF and UP lines. The largest Schlumberger yards outside of Texas, and it was almost full of drilling rigs. It looks like the Feds shut down the leasing again or put out leases that make no sense...even in $90+ oil...

blow out risk for highway speeds. Basically non DOT approved.

When reliability is of the upmost importance...emission equipment is the first to go. That says everything...

name checks out. 😳

They are a very reliable engine. Mine has given me no problems and I romp on mine hard, like a raptor should. Like with all ford modular engines, over change the spark plugs and this motor has 16 of them. Like I said, they get around 12 miles to the gallon. I think the 6.2 is now a...

I had a 6.2 in my 2014 raptor. It's a strong motor and will treat you right if you take care of it. Thirsty though.

See the problem with that is there is really a F superduty truck. Most Ford guys will draw attention to the distinction. The proper terminology you're looking for is just superduty. Drop the "F" and it will open up a whole new world to your question. The "F" needs to be before the numerical...

If you're really talking about the F Superduty truck, that is actually a medium duty truck. It comes with bigger axle's and suspension than the regular super duty. I don't think they have made them for over 10 years now, maybe longer. I don't believe that they ever put the 6.2 in the real F...

One saturday morning I stopped by my local polaris dealer for some fluids. A new crew turbo rzr was sitting there with my name on it. I'm an impulse shopper as the old lady says. Well I bought the rzr, but was heading out on a business meeting monday morning, so couldn't deal with the bank...

The feds got smart and went after the companies doing the software to trick the truck into thinking the DPF was working as it should. It makes going after the actual shops a moot point. Unfortunately the deletes are a dying thing. It's almost impossible to delete a truck now, even in states...

I had an outdoor fauct rust through at a rental house. Needed a 1/2 NPT die to thread on a new faucet. I also needed the "wrench" part to be ratcheting for a tight space. The die and wrench was well over 250, it would have been cheaper to just call a plumber. It cut like butter and the new...

I have never seen a debit card offer cash back or incentives to use it. Just because I have never seen it does not mean it dosen't exist. I have seen a credit card off lots of incentives to use the card more.

What if one does not qualify for a credit card, what do they use... A debit card. A debit card allows for people with no credit to function in a digital society. I can't wait for the thread about prepaid debit cards. Minds are going to be blown.

This thread is funny...we have reached peak over saturation of ambiguity when one does not understand the difference between cash and credit.

Again...CA can not dictate laws or actions in SC. No matter how crafty they try to word things. If there was a state law saying no tampering, the truck would not even be able to be sold to prompt this discussion. No state can influence the action of people in another state. Federalism.

SC DOT cop would have to be really familiar with CA emission standards of 2006 to make any type of case on the side of the road. He would have to cite a specific violation in SC law that your breaking CA law of 2006.

It tries to find a factor or sweet spot that measures easy work time with hard idling time. Idling time is hard on bearing surface as the oil pressure is lower.

https://resources.lytx.com/blog/engine-hours-to-miles Down at the bottom on how to calculate. Simply, take engine hours and multiply by 60.0

Dang, that sucks. I feel for you. I thought my week was going bad for an underground natural gas line leak for a rental property I own. The renter smokes outside and could not smell the gas, it was the mailman that called the cops to notify the energy compnay. I'm glad he didn't blow himself...

750 hours converts to around 45,000 miles.

Fed emission standards requiring DPF on diesel trucks started in 2008. The actual standard only goes back 14 years...

Correct. California can not dictate to other states their own rules and vice versa. The feds can dictate to all 50 states. If you're really worried, look up SC emission standards for 2006. I doubt you will find anything in there about DPF requirements. There is something similar happening...

750 hours

The filp side of the same coin to ask... Who in SC is going to interrupt and enforce CA laws? DPF in CA in 2006 was not a federally mandated device. A good lawyer will get this taken care of...

Go to the coyote and rabbit sound... https://www.gofoxpro.com/products/sounds/sound-pack

Growing up on a ranch, I have shot hundreds of coyotes. I use to build hay bail forts on a bluff overlooking a creek and used a dead rabbit call to bring them in. Something changed in me though, I can't shoot them anymore. I let them go and have been for about 8 years now. There are now a...

Dude...I have a secretary for the important stuff. I have math and economics degrees. I have never passed a spelling test in my life. None of my math based employees can spell either. If someone has perfect spelling and grammar on a resume...they are not considered. It's funny how the...

You could just stop trying to inject yourself into a topic you have no idea about...then get exposed, then try and deflect to word forms...

Since crypto is only exchanged based, it would be hard to have transactions. You knew that though, or will claim so. If you would have said bitcoin, I would have said yes. Bitcoin uses the lightning network to process transactions. Again...people are so confused on just the simple...

It's been snowing for a week straight with no end in sight...This winter is going to be lit.

Everything in moderation...including moderation.

It's too bad the last thread was nuked...it explained the differences quite well. I will not be going into it again, just to have this thread nuked as well.

You should know my position. Crypto will die and it should. Bitcoin will live on and thrive.

You should be a hand model...

Once you understand that central banks don't like this as it makes their monetary policies less effective, one understands why governments don't want this. Why do you think China banned it. It was something that was viewed as a huge threat and must be extinguished quickly before it spreads...

He's always lurking. /pine and I were having a good conversation.

It really wasn't. It was pretty soft actually, a case of over moderation.

Dude...

I asked how /pine could get more osmosis time and...boom it's gone.

Just this year I put in two geo thermal wells at the house in steamboat, not really to keep it warm, but to melt the driveway. I also put in a new driveway and sidewalks with pex. I don't have a year under my belt to see what temp beyond the natural temp the geo thermal produces to melt all...

You pay to play. That's it. I have a house in Steamboat for my winter vice, skiing/snowboarding. I have a cabin in the mountains for my summer time vice, working with my old man. If you have good accountants you can have them as tax write-offs. The old lady lets a few of her clients...

Well that sucks...wasn't he close to retirement?

I love those old 2 stroke GM's. I can remember those were in the cattle trucks hauling off the cattle in the fall. Those guys would drive them down to the meadows to load the cows. Coming out the meadows they would have to use all the power and gears they had. Could hear them for miles...

All my diesels have a unique smell. The new diesels with common rail and pilot injection (deleted BTW) have a very distinct smell compared to my injection pump diesels which even smell different from my HEUI injected diesels. Basically, it all comes down to what type of fuel deliver and...

The better question that should be asked... Has anyone ever gone into a sleep study not been prescribed a Cpap or Bipap? It's a racket. A person is better off putting a piece of tape over their mouth and training their body to breath through their nose.

Closing up the cabin for the winter. He knows what's happening and didn't want to leave.

The wheel of poverty is generational for a lot of kids. Having access to a some basic medical care is a huge life improver for kids. The payoff is the confidence it brings and it's a stepping stone for future success. Good for you two. Some investment in kids has a huge payoff later on, even...

The old lady and I fund a dentist at her office that treats low income children to dental care full time. There is no better predictor of adult success than good oral hygiene in children. Children with bad oral care have a almost 100% chance of living at or below the poverty level in...

that means nothing. What was the house price to income ratio? Back then it was around 2.5 as an average. There was a time a bank would not let you borrow more than 2.5x your annual salary for a house. Today the house price to income ratio is around 8. Add that to the financing costs...

You get 8% more per year, for each year you delay past your full retirement date. You receive 8% less per year, for each year you collect prior to full retirement date. Age 70 is the cap out date. If your full retirement age is 66, the most you can add to your benefit is 4 years. If your...

My condolences. I would seek the advice of a good estate attorney. Also, pay every outstanding tax and bring them up to date. Otherwise nothing is really owned.

Again, nobody should be viewing SS on a how do I manage taxes or peripheral cost basis. People should be viewing SS on when will I die basis. Everything is solved if you level with yourself on your health around age 61. Then look no further than your parents and when did they die. The math...

Iseki still makes them, but in India...not Japan.

The one good thing with SS...you're benefit is based on what you put in. Everyone has different payouts depending on how long and how much was contributed. If your a 1099 contractor and never paid in...sorry sucker.

Just saw the price. I would be writing the check now...

What ever it is pay it. The older masseys; 1705,1710,1715,1720...were made pretty bombproof in Japan. I don't know what happened when they switched manufacturing to India, but something failed to equate.

That is all factored into the math with the break even point...

This is overly simplistic. When to collect SS is basically a, when do I think I will die question. Actuaries calculate the general break even point for delaying SS is around 82. So if you live past 82 and started collecting at 70, you are beating the system. If you die before 82 and started...

meh...I like to keep my fields around the houses long.

It’s ok to be silly. It’s ok to be whimsical. It’s ok to be creative. It’s ok to show emotion. It’s ok to be wrong. It’s ok to live. It’s ok to be you because we are all just trying to figure it out. -snobdds

Oh I think he's just giving you some moral support. The good news is I have a hunting trip and then a long business trip for the next while. So we will have to pick this up later. Nothing personal moss...I just know you like to correct me and I like to teach you.

How am I not surprised you did not see the contradiction in less than 20 words...

Shot Chaser... You don't use credit. I don't know how you square with yourself on this.

Smoke. Put a smoke source before the air intake and see where the smoke exits from down stream from the filter.

Perfect example of credit utilization not being used and therefore it's better to close than have a 0 in credit used or owed.

You just said the quite part out loud. It amazes me people think they are entitled to good credit when they don't want to incur anything that resembles credit. In other words, they want good credit, for free. Having good credit is not free nor cheap. There is a cost involved to establish...

I glad you wen't flattering yourself. Didn't you post a copy and paste of definitions of the components of the FICO score?

not mathematically you haven't. You are tying to prove in the abstract. No-one has ever convinced anyone in the abstract.

question for you... If in 2008 the bank called you up and said, Mr. Ultra, we were looking at your account and due to the laws of marking to market, we find your too over leveraged on your real estate portfolio. Subsequently we will need you to bring up your collateral reserves by $500,000 or...

I think your "friend" is in luck. There should be no difference.

Also...I guess some people can claim a good score is 670. That is not my definition though... Having three different descriptions for good is confusing. I believe good to be 825+