THE OHIO CHAT ROOM!!!

BugginKJ · **Joined:** Mon Jul 06, 2009 7:35 pm **Posts:** 4576

tommudd wrote:

BugginKJ wrote:

tommudd wrote:

Since its so cold I'm staying inside
and rolling up in black leather :ROTFL:

Thanks Hart :wink:

My pleasure! Just glad you can use it, for WHAT is up to you :ROTFL:

Got some of it cut out,
now to sew it all together
only thing I'll need to complete the outfit is new handcuffs
old ones are a bit worn and rusty :shock:

Wanna borrow mine? Oh wait I am sorry I think Chris has them..............
:ROTFL:

blackwidowkj06 · **Posted:** Fri Jan 21, 2011 7:22 pm

I will! But I won't party with it :-)r

I will use it to fix my Jeep and pay it off. Since tuition is $5,000 roughly for the whole year and books for both semesters are $1,100 I'll have $10,000 left to MWAH!!! :twisted:

So this means, I will get close to $5,000 left-over for each semester. Oh and 2011-2012 is my last year of college, HOPEFULLY!!! :BANANA:

BugginKJ · **Joined:** Mon Jul 06, 2009 7:35 pm **Posts:** 4576

yellocoyote wrote:

Better question is whether or not you are able to comfortably pay off $10,000 in loans in a reasonable amount of time without paying so much into interest...

Ok, much better train of thought.
I just want it all, figure out the hard stuff later. Wow I just figured out all of my problems :ROTFL:

blackwidowkj06 · **Posted:** Fri Jan 21, 2011 7:27 pm

yellocoyote wrote:

Better question is whether or not you are able to comfortably pay off $10,000 in loans in a reasonable amount of time without paying so much into interest...

Yes, because that would be the only debt I will have. I already have a house and vehicle. If I use what's left over to pay-off my Jeep, then it will be possible. I lost my job Tuesday, so this will help me out when I get it. When I graduate college hopefully in May 2012, I'm going to start looking for a job asap. I might be able to get a job like my mother, at a sewer plant but not at the same one as her. I know how to run one since I've been down there with her. My friend who is a year ahead of me is $20,000 in debt for college already! Plus, I'm going to a community college, so yeah. :ROTFL:

tommudd · **Posted:** Fri Jan 21, 2011 8:50 pm

Take it all but what you don't need put it in the bank, if enough throw some into a 3 or 6 month CD, 9 moth is even better, not a lot of interest but some, make your Jeep payments off of that plus get a Credit Card and use it. Never go wild say if you spend 300 per month on the credit card pay it all every month or at least enough to keep it under 80- 90 bucks. This all will start to build you credit.
Now when you are done with college and have to start paying that money back, you'll have a nest egg to either pay more off quicker or to live on while you look for work in your chosen field.
yes it looks tempting to say look I have 10,000 to do whatever, but when it comes time to pay that back, takes 100 times longer.

or just blow it all on corn whiskey
and wild men :ROTFL:

blackwidowkj06 · **Posted:** Fri Jan 21, 2011 9:10 pm

Tom,

I will never own a credit card. No sense on putting money in a CD. I would take whatever I had left and pay-off my Jeep. Put the rest in savings, I suppose.

tommudd · **Posted:** Fri Jan 21, 2011 11:37 pm

Now wait...........
you say in one post just today you want to build up your credit since you have none, I tell you the best and easiest way to do that and you say no.
Ok so I wasted my time in explaining how to build your credit up then
never mind :wink:

when will I learn :banghead:

blackwidowkj06 · **Posted:** Fri Jan 21, 2011 11:43 pm

Okay Tom,

I know a credit card will build up your credit, yes I give you that. Mom has told me to get a gas card, but I just do not want to fool with a credit card right now. In that post I said should I get that $10,500 student loan to start building my credit, not just I want to build my credit. You didn't waste your time in explaining on how to build my credit. I just stated what I believe and/or want/do not want to do. It's okay.

:CAMPING:

03CDKJ · **Posted:** Sat Jan 22, 2011 12:07 am

Student loans are not the way to get credit :lol:

.... Is your mom going to be you co-signer... If you default on your loans you're screwed and she ends up paying... ruining her credit if she can't pay, etc... and if you ever claim chapter 11... because for some reason you can't find another job in this poor economy after spending the 10,000 on your jeep. :roll:

You will still have to pay off your loans... They are not covered under chapter 11...
You think credit card collectors are bad... Try Messing with Student Loan people.

Oh wait.... Why bother..... you're not a newbie..... I keep forgetting :banghead:

Hey Tom final coat of Plasti Dip is on and looking good! :wink:

Hart.... Don't hate me for things I could not forsee.... :goink:

ArcherAce · **Posted:** Sat Jan 22, 2011 12:17 am

A credit card or a car loan are the best ways to build credit

kskj · **Posted:** Sat Jan 22, 2011 12:34 am

tommudd wrote:

Take it all but what you don't need put it in the bank, if enough throw some into a 3 or 6 month CD, 9 moth is even better, not a lot of interest but some, make your Jeep payments off of that plus get a Credit Card and use it. Never go wild say if you spend 300 per month on the credit card pay it all every month or at least enough to keep it under 80- 90 bucks. This all will start to build you credit.
Now when you are done with college and have to start paying that money back, you'll have a nest egg to either pay more off quicker or to live on while you look for work in your chosen field.
yes it looks tempting to say look I have 10,000 to do whatever, but when it comes time to pay that back, takes 100 times longer.

or just blow it all on corn whiskey
and wild men :ROTFL:

I vote Corn Wiskey. And that other stuff :lol:

RenegadeMarine · **Posted:** Sat Jan 22, 2011 4:18 am

03CDKJ wrote:

AAA came through huge!!!! Zero deductible for my broken windshield... FREE REPLACEMENT! WOOT WOOT! :BANANA:

Should be fixed tomorrow afternoon. WindowTint will be replaced on Monday.
The only bad thing is I will not be able to salvage my LOST LIFETIME MEMBER sticker... :cry:

Hey Chris how did you manage gettin the zero deductible/free replacement from AAA? I also have AAA and a crack across the full length of the windshield.

BugginKJ · **Joined:** Mon Jul 06, 2009 7:35 pm **Posts:** 4576

Thanks alot is all I have to say Chris :goink:

03CDKJ · **Posted:** Sat Jan 22, 2011 7:22 pm

RenegadeMarine wrote:

03CDKJ wrote:

AAA came through huge!!!! Zero deductible for my broken windshield... FREE REPLACEMENT! WOOT WOOT! :BANANA:

Should be fixed tomorrow afternoon. WindowTint will be replaced on Monday.
The only bad thing is I will not be able to salvage my LOST LIFETIME MEMBER sticker... :cry:

Hey Chris how did you manage gettin the zero deductible/free replacement from AAA? I also have AAA and a crack across the full length of the windshield.

AAA insurance... 0 deductible for the windshield

03CDKJ · **Posted:** Sat Jan 22, 2011 7:24 pm

BugginKJ wrote:

Thanks alot is all I have to say Chris :goink:

Anytime!

BugginKJ · **Joined:** Mon Jul 06, 2009 7:35 pm **Posts:** 4576

Crap, back to the orignal plans :evil:

. Daystar with CRD springs up front and some shocks for the rear :roll:

So ahhhhh Tom, just how bad are them there Ranchos?

tommudd · **Posted:** Sat Jan 22, 2011 11:53 pm

So what happened ? Never mind I know life jumped up and smacked you upside the head like it did me today!
Well they have 100,000 on them and weaker than when they were new but.....could be used for a while, better than nothing, and .....they are free to ya!

BugginKJ · **Joined:** Mon Jul 06, 2009 7:35 pm **Posts:** 4576

Going to pull out the spring compressors tomorrow and see how they do against them crd springs :roll:

I'll let ya know. Thank you very much, I will let ya know if I end up needing them anytime soon :roll:

She "found" my set aside money and thought it was for bills :evil:

At least she didn't come home with a new dress :roll:

BugginKJ · **Joined:** Mon Jul 06, 2009 7:35 pm **Posts:** 4576

invented for nights like this............

tommudd · **Posted:** Sun Jan 23, 2011 12:22 am

BugginKJ wrote:

:5SHOTS: invented for nights like this............

Tell me about it, one reason why I haven't been on much tonight.
After a small discussion with my wife today it was :5SHOTS:

Let me know or if we can come up with a way to fix that one OME 132L they are yours

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