Platinum Contributing Member Steve753 Posted November 19, 2022 Platinum Contributing Member Share Posted November 19, 2022 11 minutes ago, SkisNH said: I guess I we see it differently....I don't use credit at all and I certainly wouldn't finance a toy. To many incentives not to use credit. I pay for everything with a credit card if possible. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted November 19, 2022 Platinum Contributing Member Share Posted November 19, 2022 (edited) 1 hour ago, SkisNH said: You only need a credit score if you buy things you can't afford... Yeah....not really. Try getting a mortgage without any credit.... 800+ score has helped me many times secure the best rates from mortgages to car insurance. I often take advantage of 0% credit card offers(and I get a lot of those)....and as long as you pay in full at the end of promo with no penalties, it sometimes makes more sense than paying cash upfront. Like Steve, I bought a couple sleds that way.....with a prolonged 0 or very low apr. https://www.sofi.com/learn/content/reasons-why-good-credit-is-important/ Edited November 19, 2022 by ViperGTS/Z1 1 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 20, 2022 Share Posted November 20, 2022 23 minutes ago, ViperGTS/Z1 said: Yeah....not really. Try getting a mortgage without any credit.... 800+ score has helped me many times secure the best rates from mortgages to car insurance. I often take advantage of 0% credit card offers(and I get a lot of those)....and as long as you pay in full at the end of promo with no penalties, it sometimes makes more sense than paying cash upfront. Like Steve, I bought a couple sleds that way.....with a prolonged 0 or very low apr. https://www.sofi.com/learn/content/reasons-why-good-credit-is-important/ They can underwrite a mortgage with a no credit score.... The quickest way to wealth is stop handing your paycheck to other people. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 25 minutes ago, SkisNH said: They can underwrite a mortgage with a no credit score.... The quickest way to wealth is stop handing your paycheck to other people. So you don't buy anything? Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 20, 2022 Share Posted November 20, 2022 Just now, Steve753 said: So you don't buy anything? I am a typical consumer except I don't use credit.... 2 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 52 minutes ago, ViperGTS/Z1 said: Yeah....not really. Try getting a mortgage without any credit.... 800+ score has helped me many times secure the best rates from mortgages to car insurance. I often take advantage of 0% credit card offers(and I get a lot of those)....and as long as you pay in full at the end of promo with no penalties, it sometimes makes more sense than paying cash upfront. Like Steve, I bought a couple sleds that way.....with a prolonged 0 or very low apr. https://www.sofi.com/learn/content/reasons-why-good-credit-is-important/ I have a friend like SkiNH. Never goes away on trips, no overnight sledding. Won't eat in restaurants. Drives miles out of the way to get cheaper gas. Has the same vehicles since I've know him. Super frugal. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 2 minutes ago, SkisNH said: I am a typical consumer except I don't use credit.... Well the credit card I use actually gives me free money to use their card. Last time I turned in my points I got $500. It took me a month or so to get those points. Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 20, 2022 Share Posted November 20, 2022 (edited) 11 minutes ago, Steve753 said: I have a friend like SkiNH. Never goes away on trips, no overnight sledding. Won't eat in restaurants. Drives miles out of the way to get cheaper gas. Has the same vehicles since I've know him. Super frugal. Haha wrong guy...I get a new sled every 2 years drive a 2019 ram have 415 feet of lake frontage. I don't go-to restaurants much...mostly because we cook better meals here. Edited November 20, 2022 by SkisNH 2 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 1 minute ago, SkisNH said: Haha wronge guy...I get a new sled every 2 years drive a 2019 ram have 415 feet of lake frontage. I don't go-to restaurants much...mostly because we cook better meals here. I was close. He gets a new sled every year. He lives on the lake as well. Quote Link to comment Share on other sites More sharing options...
DriftBusta Posted November 20, 2022 Share Posted November 20, 2022 14 minutes ago, Steve753 said: I have a friend like SkiNH. Never goes away on trips, no overnight sledding. Won't eat in restaurants. Drives miles out of the way to get cheaper gas. Has the same vehicles since I've know him. Super frugal. Guys like that usually die and their heirs get all their $, then live like kings and queens. 1 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 20, 2022 Share Posted November 20, 2022 2 minutes ago, Steve753 said: I was close. He gets a new sled every year. He lives on the lake as well. I'm up north every other week riding .... come join us if you can get off work. We leave Wed afternoon. 1 Quote Link to comment Share on other sites More sharing options...
DriftBusta Posted November 20, 2022 Share Posted November 20, 2022 9 minutes ago, SkisNH said: I'm up north every other week riding .... come join us if you can get off work. We leave Wed afternoon. BTW, wasn't referring to you, just that kind of profile 753 was talking about Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 20, 2022 Share Posted November 20, 2022 Just now, DriftBusta said: BTW, wasn't referring to you, just that kind of profile 753 was talking about No worries.....however, leaving g a legacy to my heirs is important too me. Maybe I'm the guy that changes the family tree for generations by giving a them a boost.... Some call it white privilege 🤣 2 Quote Link to comment Share on other sites More sharing options...
XCR1250 Posted November 20, 2022 Share Posted November 20, 2022 I have no credit cards. 1 Quote Link to comment Share on other sites More sharing options...
ArcticCrusher Posted November 20, 2022 Share Posted November 20, 2022 17 minutes ago, DriftBusta said: BTW, wasn't referring to you, just that kind of profile 753 was talking about It's 753? Reality is likely far from his perception. 1 Quote Link to comment Share on other sites More sharing options...
DriftBusta Posted November 20, 2022 Share Posted November 20, 2022 27 minutes ago, SkisNH said: No worries.....however, leaving g a legacy to my heirs is important too me. Maybe I'm the guy that changes the family tree for generations by giving a them a boost.... Some call it white privilege 🤣 x2. Its just that I've seen so many people who work, save and live frugally, not able to let go when they retire. They die and leave a boat load of money to heirs that often don't appreciate it, then they squander through it. 2 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member steve from amherst Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 10 hours ago, SkisNH said: Haha wrong guy...I get a new sled every 2 years drive a 2019 ram have 415 feet of lake frontage. I don't go-to restaurants much...mostly because we cook better meals here. Eating out is a pain in the ass. Only time I do it is on sled trips. 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 10 hours ago, ArcticCrusher said: It's 753? Reality is likely far from his perception. Ya your reality is much better. For example, you think you can get AIDS from a vaccine. 1 Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 20, 2022 Share Posted November 20, 2022 22 minutes ago, Steve753 said: Ya your reality is much better. For example, you think you can get AIDS from a vaccine. Is it AIDS or is it immune suppressed....there is a lot of chatter about this respiratory virus in children due to immune suppression from a vaccine they didn't need. 2 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 18 minutes ago, SkisNH said: Is it AIDS or is it immune suppressed....there is a lot of chatter about this respiratory virus in children due to immune suppression from a vaccine they didn't need. Realistically, does a child need any vaccine? Quote Link to comment Share on other sites More sharing options...
SkisNH Posted November 20, 2022 Share Posted November 20, 2022 31 minutes ago, Steve753 said: Realistically, does a child need any vaccine? I am sure there are many beneficial vaccines...however the covid vax isn't one of them as covid doesn't kill kids nor does it protect the parent dumb enough to give it to them. 1 Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member Steve753 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 20 minutes ago, SkisNH said: I am sure there are many beneficial vaccines...however the covid vax isn't one of them as covid doesn't kill kids nor does it protect the parent dumb enough to give it to them. That's debatable. Quote Link to comment Share on other sites More sharing options...
Platinum Contributing Member ViperGTS/Z1 Posted November 20, 2022 Platinum Contributing Member Share Posted November 20, 2022 (edited) 13 hours ago, SkisNH said: I am a typical consumer except I don't use credit.... 12 hours ago, XCR1250 said: I have no credit cards. Do you guys ever order anything online?..... How do you pay for things do you use PayPal?.....I use cash for many things including most dinners when I eat out but would find it very difficult to get by without a credit card. Just very convenient when used responsibly Edited November 20, 2022 by ViperGTS/Z1 Quote Link to comment Share on other sites More sharing options...
Doug Posted November 20, 2022 Share Posted November 20, 2022 13 hours ago, Steve753 said: I have a friend like SkiNH. Never goes away on trips, no overnight sledding. Won't eat in restaurants. Drives miles out of the way to get cheaper gas. Has the same vehicles since I've know him. Super frugal. Does he own a Tesla and plug it into his neighbor outlet? 1 Quote Link to comment Share on other sites More sharing options...
ArcticCrusher Posted November 20, 2022 Share Posted November 20, 2022 2 hours ago, Steve753 said: Ya your reality is much better. For example, you think you can get AIDS from a vaccine. Number one cause of death right now is from unknown causes. Immune system failure, but sure. 2 1 Quote Link to comment Share on other sites More sharing options...
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