The "What's on your mind?" thread

[Scarface32]

Originally Posted by Cinema74

Got a bit of a strange question here. I've been out of the credit card loop for a few years after I, um, got a little carried away and have started to rebuild my credit - can someone refresh my memory: do credit card companies like when you pay a balance in full or do they prefer you make minimum or slightly above minimum payments? I certainly want to impress my bank by paying the balance in full but if it's not absolutely essential then I'll just pay about 75%. I don't want to screw up again.

Credit card companies prefer small payments over time, because that’s how they make their money. Let’s say you owe $200 but pay a little over time, you end up paying closer to $800 by the time it’s paid off. To hell with that, just pay off the whole thing and avoid finance charges. I always fully pay off my credit cards each month.

[Member-222782]

Originally Posted by Scarface32

Credit card companies prefer small payments over time, because that’s how they make their money. Let’s say you owe $200 but pay a little over time, you end up paying closer to $800 by the time it’s paid off. To hell with that, just pay off the whole thing and avoid finance charges. I always fully pay off my credit cards each month.

Thanks. I'm inclined the pay the whole balance by next month's due date (it's only $160 out of a $600 credit line). I understand banks need to make money so if they don't make any money off of me because I pay my balance in full every month then they took a chance on me for no reason, know what I mean? My primary concern here is rebuilding my credit without overdoing it.

[surfdude12]

Originally Posted by Scarface32

I have a theory on religion.

You know how pretty much everything is made in China? Well what if they also invented every religion on Earth. Then various people left China to voyage to different countries to teach them one of the various religions, with the purpose in mind of dividing people over which religion is the "correct" one? It would make sense, considering China is several thousands of years old. They are the oldest civilization still in existence. They could have been there at the very start of religion. Their end game is to get everyone so divided that we don’t notice they are taking over the world.

Of course, that’s just a theory and I could be completely wrong.

But how could they be that smart and at same time so dumb so to set up a communist government that kills 73,000,000 of their own people since 1949?

[Scarface32]

Originally Posted by surfdude12

But how could they be that smart and at same time so dumb so to set up a communist government that kills 73,000,000 of their own people since 1949?

No one is perfect

[BluRayTim]

Originally Posted by Michael24

I'd never heard of them until maybe a couple years ago, when I began listening to Hair Nation on Sirius XM. That station plays them frequently. I've enjoyed a lot of what I've heard from them. "Eyes of A Stranger" or "Empire" is probably my favorite.

I know you never heard of Nuclear Assault except from me, Mike. But I strongly recommend that you go to YouTube and type Nuclear Assault in the search box.

Then watch a video for three or four of their songs before deciding whether or not you like them. But don’t watch a video for only one or two songs before making that decision.

Nuclear Assault’s Handle With Care album is their best album, in my opinion. That’s the album I recommend the most.

But all of their albums that I’ve heard are awesome and if one of their other albums appeals to you more than Handle With Care, then watch videos for songs on those albums.

As soon as I can, I’ll send you a private message recommending some more metal bands whose videos should be watched on YouTube. Enjoy, buddy.

[civiclx]

The 49ers just made their fifth field goal of the game to take the lead with 4 seconds left. It would be awesome if the Bears returned the kickoff for a touchdown. I mean it would suck. But it'd be awesome too

[BizCat]

On my mind..... I want Taco Bell.

[civiclx]

Should I stay American or do a first order with Nova or FAC? Hmm...and what are FAC's shipping prices like? Hmm...

[BizCat]

Originally Posted by civiclx

Should I stay American or do a first order with Nova or FAC? Hmm...and what are FAC's shipping prices like? Hmm...

Shipping prices are out of the world if you buy from them direct. eBay or buy from someone here/HDN. Trust me, I've done it and my wallet is still bleeding.

[Batman1980]

Shipping costs on almost everything is why I tend to use eBay for my online purchases. BB a bit too and also Bodybuilding and runningwarehouse.com.

[Waboman]

Originally Posted by BizCat

On my mind..... I want Taco Bell.

Had Taco Bell last week. It still burns.🔥

[Batman1980]

Originally Posted by Waboman

Had Taco Bell last week. It still burns.🔥

Figured a Minnesotan would opt for the always delicious White Castle over Taco Bell.

[BizCat]

Originally Posted by Waboman

Had Taco Bell last week. It still burns.🔥

Haha. Definitely some consequences but that initial taste... mmmm

[Waboman]

Originally Posted by Batman1980

Figured a Minnesotan would opt for the always delicious White Castle over Taco Bell.

Good to have choices. It's a win/win

Originally Posted by BizCat

Haha. Definitely some consequences but that initial taste... mmmm

I know. That's why I keep going back.

[civiclx]

Originally Posted by BizCat

Haha. Definitely some consequences but that initial taste... mmmm

Taco Bell is always better when a cute girl buys it for you huh? You eat it and it tastes so delicious but then you still end up feeling sick to your stomach because it wasn't purchased by your wife. And then you feel terribly and full of sin and you sink to your knees and scream to the Heavens above. Father, Father foooooorgiiiiiiive me!!!!!

[BizCat]

Originally Posted by civiclx

Taco Bell is always better when a cute girl buys it for you huh? You eat it and it tastes so delicious but then you still end up feeling sick to your stomach because it wasn't purchased by your wife. And then you feel terribly and full of sin and you sink to your knees and scream to the Heavens above. Father, Father foooooorgiiiiiiive me!!!!!

Hahahhahahaha

I will always remember my experience with Clara

[civiclx]

Originally Posted by BizCat

Hahahhahahaha

I will always remember my experience with Clara

Did she let one rip before she got out of your car? Here's your tip, riiiiiiiiip!

[BizCat]

Originally Posted by civiclx

Did she let one rip before she got out of your car? Here's your tip, riiiiiiiiip!

Nope, luckily she waited to eat her TB!

[civiclx]

Crimeny crappers, I still haven't added any Norah Jones to the iTunes library on this computer

[sk33tr]

Originally Posted by civiclx

Crimeny crappers, I still haven't added any Norah Jones to the iTunes library on this computer

well what the hell are you waiting for.

you get in there and add some norah jones to your computer, RIGHT NOW YOUNG MAN!