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Showing content with the highest reputation on 02/18/2020 in all areas

  1. I work in HR and Payroll. I can promise you there is no correlation between the economy and personal financial management. Poor personal finance skills cross all economic boundaries, from minimum wage earners to corporate big wigs. I've seen things that would make you cringe - corporate CFOs with multiple bankruptcies, employees with 13 - yes 13 - separate garnishment orders, people at all income levels taking 401k loans for revolving debts, employees using "bonus season" to spend 10x of their bonus amount on a car and then getting upset the following year because bonuses aren't as good. No matter how much you make, spending more than that is a recipe for personal disaster. A downturn in the economy is just a point where personal finance decisions really make or break you. An unexpected large expense or loss of income when you're living paycheck to paycheck is a financial breaking point for many folks. When that happens many people lash out, blaming everyone and anyone except themselves. All through the banking crisis, I never heard of a bank that forced someone to take that large mortgage, or to buy that $75,000 pickup truck or $100,000 BMW. There was plenty of fraud, yes, but usually by mortgage brokers getting questionable loans approved. There is no such thing as foreclosure or repossession if your payments are current. Yes, bad things happen to good people, but many good people also cause themselves major problems by constantly living in the moment. The issue IMO with student loan debt is the easy access to money with no linkage between the amount borrowed and the future potential to pay it back. What could possibly go wrong by giving an 18 year old a blank check and encouraging them to study whatever it is they "want to do" as opposed to what will support them in the lifestyle they want to live in - whatever that may be.
  2. I can see why people are celebrating the tabling of one bill. However, I think they are victims of the usual gun grabbers play/ploy. They propose something really bad and when they give up on it, even for a while, we declare victory even though the other less bad, but bad nonetheless, bills pass. There were 3 other bills that were passed. This wasn't a victory, just a less bad defeat - for now. The bill was tabled, not voted down.
  3. Let me be quick to point out that it's possible to be from Idaho, and not be like Zeke!
  4. First thing I would like to know is where do these 2,700 people who responded to this survey live. Do they live in NYC, LA, Northern Jersey, or do they live in the south or mid-west? If they live anywhere in the northeast or west coast then I can see how this might be true since living expenses are often greater then salaries. A person making $100,000 in NYC is A LOT worse off then someone making the same salary in South Carolina for example. Another issue I see, as many have already mentioned, is personal habits of these people. I can tell you from personal example of my own. I had a few friends, liberals, hence the emphasis on HAD, with similar salaries as my wife and I that would eat at expensive restaurants at least 3 times a week while my wife and I shopped for food at shoprite and used coupons. Needless to say they were always crying how they always had money problems and couldn't even get a mortgage because their credit was crap. While my wife and I both have new cars, fully paid off, and a mortgage that is almost paid off, and perfect credit on top of that. So just because 2,700 people have trouble living paycheck to paycheck, that is absolutely no indication of the economy as a whole. As a matter of fact, I do believe that this is another attempt by the libs to paint a bad picture of the economy.
  5. Thank you for using "myriad" correctly!
  6. Change in GDP, vs credit Odd that it would correlate the exact opposite of what you claim. https://www.google.com/amp/s/www.forbes.com/sites/elenabotella/2020/02/13/credit-card-debt-all-time-high-inflation-recession/amp/ "Historically, high levels of household debt and a booming economy have gone hand-in-hand." And If you have issues with the authenticity of the author... https://www.forbes.com/sites/elenabotella/#2332a9f62f0d
  7. I get excited on the very rare occasion I do this at 200 yards. I can't even imagine what it takes to do a .10 MOA group at 1000. https://www.gunsamerica.com/digest/benchrest-shooter-1000-yard-group/
  8. If your free you should try and make it this Saturday. I know it's a hike for you but it's a fun shoot.
  9. Yeah, it was hilarious. The Magpul magwell needs a little massage work to make mags seat reliably. A little work on the magwell part with some sandpaper makes everything ok. No more dropping mags.
  10. I didn't try very hard. I'll do better next time. Will earn the .308 brass scar.
  11. I didn't feel harassed. You're not very good at that. Lol
  12. That I am. Was a pleasure to meet you and harass you and your buddies.
  13. @Malice4you were you the guy on the far right table that I was pelting with brass? I'm the English guy who was on the second table in from the right?
  14. I'm sorry but not a single one of your charts links or data correlates that people pay down debt in a good economy... Factually speaking, debt is used as a vector for economic growth for both the public and private sectors... ThIS is how money enters into an economy after a recession, and how it typically grows. When markets are overvalued and debt finally catches up to the most irresponsible, we move into a recession. But when is debt accrued? Who is handing out debt in a poor economy? So it would be paid down in a good one? The responsible people you mention dont lose their homes and cars during recessions. That's your prize for being smart in a good economy
  15. I would have to call in a air strike to hit that target
  16. We've also had record low unemployment, and multiple stock market records set - those are also facts - and they are traditional indicators of a strong economy. My point is, there are a multitude of factors that can be looked at... and reasonable people may reach differing conclusions. That's life. So, there's no need to get angry and/or insulting when another poster doesn't immediately embrace your point of view... regardless of how many "charts" you attach! Let's have civil discourse, that's all I'm advocating.
  17. Good on ALL of you! A very impressive display. You'll have to keep the pressure on obviously... because Northam will come back at that ban in a year. Though, I have a feeling this whole situation will spur a lot of pro-2A people to get out and vote and even to run for local and higher office, which is really what's needed.
  18. We never gave up here in VA. There has been a massive phone and email campaign along with people showing up at their delegate and senator's offices to voice concern. I got really involved down here and the sheer number of people involved was awesome. Nobody waited for an organization to do it for them. My county and most others stood up grass roots 2A groups. It was a very organic process. County and Local LEO overwhelmingly stated that they would not enforce any ban. The VASP troopers in private said they did not support it.
  19. Sooo what worked. 1 shooting a 22 in between. 2 shooting a full size striker gun in between 3 some dry fire. end of 1 hour range flinch drastically diminished.
  20. He was just out hunting mountain lions.
  21. I guess there's nobody more gangsta than this whitebread farm boy from Idaho! Turns out, the sights work just fine with the gun held sideways.
  22. Ahhh, I see... so all these people Mustang is talking about are taking on this INCREASED debt because of GOOD economic conditions and record low unemployment. And tapping out their 401Ks for loans early is a vector for economic growth. That's one interesting economic theory. I wonder how all the multiple bankruptcies factor into that amazing economic growth model in this terrific economy. Please tell us more.
  23. Yep, typical discussion here. One person brings charts, links and data, the others, bring OPINIONS (not backed by anything) which they THINK are facts. Just another day in paradise!

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