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Rhom

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Everything posted by Rhom

  1. Rhom

    Screw the banks

    This is essentially my argument earlier. Get on a strict budget. Before every month, assign every dollar a “name.” Then most importantly, stick to it. Don’t go inside a restaurant unless you are working there. Don’t pay the stupid tax of financing everything you owe. Cut up the credit cards and pay cash. You’re broke. Broke people don’t go out to movies or the bar and they don’t take vacations (if they want to stop being broke). Until you get your finances under control, you can’t afford those things. Yes, times are hard; but where you live or what you have chosen to practice as a career does not exempt you from math. People in this topic have chosen to rail against the evils and injustices of the banks. All the while, they are ignoring personal responsibility and the time proven examples of others to work their way out of debt. Go down to the corner and visit a community bank, those folks are your neighbors and they are hard working, honest folks like you.
  2. If Love is out, this series is over tonight.
  3. Rhom

    Legion (FX's Marvel tv series) [SPOILERS]

    Probably too soon for single clips like that to be cropping up on YouTube or other places, huh?
  4. Rhom

    Legion (FX's Marvel tv series) [SPOILERS]

    I know the John Hamm interludes have been a bit of a mixed bag for some here (personally, I've liked them... but that could just be my nostalgia wanting a Don Draper fix any way I can get it). Today at lunch I took my staff out to eat and we were talking about a school shooting in Indiana this morning (no one dead thank goodness) and while talking about it, I actually used last week's interlude of the cave and seeing the real world as shadows with no substance as a way of seeing how and why people are more likely to commit crimes like this now when they didn't before. Just thought it was an interesting parallel.
  5. Rhom

    Screw the banks

    Perhaps its different in the states than on your side of the pond. Over here, most states have a legally mandated minimum level of coverage. Basically, you have enough insurance to take care of someone else if you injure them in a wreck; but your insurance pays nothing for the damage to your car. Increasing levels of coverage are more expensive, so many drivers do not carry enough insurance to replace/repair their car. If you have a loan, typically the bank will require you to carry enough coverage to protect their investment. That's what I meant by the second sentence. If someone can't afford the insurance on their car, they are driving too much car.
  6. Rhom

    Screw the banks

    Or insurance, yes. That's what its there for. And to be direct, if you can't afford the replacement coverage... the car is too expensive for your budget.
  7. Public exposure to his new romance with Taylor Swift has reportedly torpedoed Tom Hiddleston's turn as Commander Bond. Seems an odd reason to cut off the talks, but fair enough...
  8. Rhom

    Bond 25: Hiddleswift Down

    Filming starts this year.
  9. Rhom

    Screw the banks

    I can understand why you might think that. However; in my own defense I will say that less than ten years ago, I was running my own office and paying myself less than $1,000/month. My front desk staff was taking more home than I was. I had debts of every kind imaginable. I'll never forget the day when separating from my now ex wife when I walked into the rent controlled apartment complex wearing a suit and tie asking about an apartment, the look I got from the rental manager was priceless. The only thing missing in the apartment they showed me was the chalk outline on the floor. (I didn't wind up living there, but I still found a place I could afford.) I started cleaning things up, my office started to grow, and I will readily admit that I am in a better place than most now. I'm far from a Dave Ramsey fanatic. I certainly use credit cards and now pay them off every month, but there was a time in my life where I carried well into 5 figures of credit card debt. Our mortgage is not on a 15 year note like he advocates. I don't keep cash laying around in envelopes for groceries, clothes, and entertainment etc. I still have over $80k in student loans a decade and a half out of school and am in no hurry to pay them off. I took a loan to open my own office. But the man's principals are sound. Especially for those who struggle. Don't be a slave to the financial system. Give every dollar a name at the beginning of the month. Don't see the inside of a restaurant unless you're working there until you have your finances under control. His baby steps seem simplistic, but they work. First, save up $1,000 emergency fund. Second, list your debts smallest to largest and attack the smallest one aggressively. Third, save up 3 to 6 months expenses. From there it gets into saving for retirement, kids college, etc. If you aren't familiar with him and his programs, its worth looking into.
  10. Rhom

    Screw the banks

    Funny thing is... when I bought my Jeep last year, it was more difficult paying outright than financing. When negotiating price, the salesman said "Look, I'm already going to have to explain to my manager why I'm selling it this cheap." I responded "Tell him the guy walked in with a check to pay in full." He said, "Well that's actually worse for me, because if we were financing we'd be getting the interest too." I haven't had a car loan in over a decade. Its not because I do exceptionally well, but its because every month I set aside the amount of money that would otherwise be a car payment and I never buy brand new. Seriously. For most of us, our cars are the second biggest investment we own. Why would you buy something that loses thousands in value the second you leave the store???? The problem for many people is not that they aren't wealthy, its that they try to live like they are. Make a budget. Spend less than you earn.
  11. Rhom

    Screw the banks

    I've never paid a bank fee for having an account. Of course, I've always banked with community banks and never with their larger cousins. Community banks are struggling in most parts of the country however due to the regulations necessary to rein in the larger banks. Hard for the smaller bank to keep up. And while Oberonus may have been inelegant in their approach... they aren't wrong. You can't get hit with an overdraft fee if you are using your account responsibly. Its why debit cards are dangerous. When writing checks and keeping track of my actual checkbook, I always knew how much was in my account without needing a bank statement. Instead, we use plastic and it erases many of the natural safeguards we build in. It won't matter what order your charges hit your account if you are spending less than you make. At some point, personal responsibility really does need to play a role. Kentucky is making a lot of mistakes in education these days, but one thing the legislature got right this year is now requiring a class in personal finance as a graduation requirement. Too many in our society don't understand the basics of managing a household or small business account.
  12. Rhom

    Goodkind 55: Back in the Dick Life Again

    Didn't Cosca have a noble goat at one point too?
  13. Rhom

    Goodkind 55: Back in the Dick Life Again

    I don’t remember evil chickens in MBotF... but I’m sure they are at least 30,000 years old.
  14. Big question now is how bad is that hammy on CP3?
  15. Yeah. Not the kind of execution you expect from GS there.
  16. Damn... I’ve been recording these games for my son and I just realized the red light on the DVR isn’t on anymore. Theres gonna be hell to pay tomorrow... Hell hath no wrath like a seven year old that can’t see the end of a close game.
  17. Man. Big free throw to miss.
  18. IS NOT TRUTH INFINITE!!!! ( @Triskele Bakake happens) i could also say “You’re no Paul Pierce.” But really @Pony Empress Jace all I want to say is that I love that this thread is now tagged as Hot.
  19. Back to back 24 second violations is not something you expect to see late in a GS v Hou game.
  20. I had a very clear change of opinion regarding GS after Durant came. I loved their change of pace. They were a breath of fresh air in a stagnant NBA. Now they just wear on me.
  21. Says the girl who traded a rainbow avatar for a goth like blue.
  22. You shut yer whore mouth! This is Murica!!! Love it or leave it!!!
  23. This is finally the series we all wanted to see. All it took was sacrifice Iguadala on the altar of TV ratings.
  24. Rhom

    Bakker LIV - Soul Sphincter

    I tend to agree completely. The only problem I had with the extra-textual stuff is the fact that it took an already underwhelming TUC and made it less somehow.
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