Leaderboard

We paid off a 30 year loan in 10 years and NEVER looked back. Our place has been paid off for 10 years now and aint nothing like walking in "your" grass.

Debt free living is the only life to live. Cash is king Debt blows goats

I paid mine off. Broke people and lenders will tell you to keep debt. I have no debt, and I'm not broke. I don't care what the housing market or the stock market does. Money is no longer a concern for me. It's a good feeling.

Glenn Officially the luckiest sum beech ever born. Henceforth, Ricks son will now be known as C'arrr'l.

He's from Kentucky. They won't let you leave without that knowledge.

Does he love his wife? If she's the one driving it on the regular, tell him to replace it for her sake. If there's something wrong with my car, I fix it as soon as I can afford to. If there's something wrong with my wife's car, it gets replaced ASAP. Keeping the Mrs safe is priority #1. Always Sent from my iPad using Tapatalk

...and don't borrow any more! Save up and pay cash.

I also was advised to not pay off the mortgage early, but to enjoy that low interest loan and put any extra money into the market for long-term gains.  This is a good time to invest in the market - stocks are "on sale".

I used to tell customers that circuit breakers are not put in their house to irritate them - they're put there to keep their house from burning down.

  Oh I know. I think I'll take the advice listed here and pay off the vehicles first. I mentioned this to my wife and naturally she claimed that she actually came up with this idea a while back but I didn't listen to her....Knowing how bad I am at listening she's probably telling the truth.. :whistle: 

Fluke.  Pay once, cry once.  Mine is about 20 years old now and still running strong.  I used it for a decade in some of the nastiest industrial environments.

Somebody call da amberlamps.

Solid advice all around. You guys have me rethinking our strategy. If we pay off both vehicles that's an additional $700 month we could put toward the mortgage. My wife car will be paid off in 10 months anyways.   I appreciate the responses.

I know how and have set up numerous gear sets over the years.  The right tools are imperative.  If you don't have access to knowledge and tools, let someone else do it or just swap the whole front axle assembly with a known-good unit from a salvage yard.   Even with my experience and tools, I fret a lot when I set up gears.  It's not a fun activity and differential fluid smells like a sack of rotten possum buttholes.  :)

Debt free living is a great thing. Have a reserve for emergencies. Payoff highest interest loans first. Then pay the house off as fast as you can. Once you are debt free your life will change completely.

So if it were me. I'd take the extra money and pay off the vehicles sooner. You'll save money on interest there too, and they depreciate faster. Then once they're paid off take the money you were paying in payments and put all of that extra on the house. This way the budget stays balanced.

How is your boss doing financially?  My first rule of taking financial advice is I don't take it from people who have less money than I do.  I agree that walking away from a house is a horrible idea.  You and your wife are out there killing it socking back an entire income, congratulations!  If I were you guys I would be paying that house off as quickly as possible.  Like, have a years worth of expenses in the bank and use every bit of the rest of your money to pay off the house.  Then you can invest that money in whatever you like and have a ton of financial freedom at a fairly young age.    Which situation would you rather be in in 10 years... A)  Have 20 years remaining on a mortgage but you have some investments that may or may not pan out?      or B)  Own your home free and clear with an extra income that you can do whatever you want with? 

Of all the things to do yourself in your home, electrical wiring is not one of them. It can cause fires usually from loose connections from improper installation, or undersized wiring being overloaded either of which can cause a great amount of heat and fire. Hire an electrician. While several outlets wired to one breaker is not uncommon, They are meant for general lighting per NEC, not power equipment. A 1500 watt heater maxes out a 15 amp breaker (Watts/Volts = Amps  1500/120 = 12.5 amps). That's why you have dedicated circuits for Microwaves, the kitchen outlets (toasters, coffee makers, etc...) and also in the bathroom. A garage where power tools are to be used has to be planned out when being wired to accommodate larger capacity circuits. Most homes are wired as cheap as possible by builders aka 15 amp breakers and 14 gauge wire. The breakers are there to protect the wiring. Simply installing a larger breaker will put your home at risk. Saving a couple of hundred dollars is not worth it.

Probably not safe to just change the breaker.  A 15A circuit is usually wired with 14g wire.  You want 12g wire for a 20A circuit and 10g for a 30A circuit.     A better strategy may be to wire dedicated outlets for high draw tools.  

It depends on what gauge the wire is that the circuit is run with. A 14 gauge wire can only handle a 15 amp breaker. 12 gauge is good for 20amps and a 30 amp breaker would need 10gauge wire. Otherwise you would be overloading the wire and risk it overheating and possibly catching on fire. Keep in mind most homes are built with the average homeowner in mind, which is to say, most people use their garage to store vehicles in not work. At least nowadays. Obviously you are overloading the circuit. Every time you trip the breaker it makes it weaker. Best answer is to add a nother circuit and split off half of your plugs on the new circuit.

I see them like that all the time. I've seen them run a long time with no issues. I've seen them blow out at the most inopportune of times. Is it gonna be okay to drive on? Flip a coin. It either will or it won't. The BETTER question, what's the cost of a tire? If you like 50/50 odds then bet your life on it...bet other people's lives on it. Tires aren't important...until they are. Tires seem expensive...until they're really not by comparison.

So A fellow TGOer and I have sort of been putting together separate collections of military surplus rifles. Collectively, we account for many of the more common designs. Thought I'd show a few pictures of my two favorites in my collection. I may put up some pictures of my M1 Carbine later. I am currently bidding on an FN49 on gunbroker, which had the potential of being competition to the Garand, had Germany not invaded Belgium and delayed the rifle development. Feel free to post pictures of your WW2 era semi auto rifle. Anyone have a G43 here!? I know someone has a 41 Johnson Automatic! Sent from my iPhone using Tapatalk

Sam Henderson has invite all us TGO 1911 shooters to his match. 3rd Annual Uncle Sam's Single Stack Championship will be held June 25th at Brocks Gap Training Center. Brush the dust off that 1911 that you're "thinking about shooting one day", and join us. Fun frivolity, and BBQ. What more can you ask for? It's a great match down the road in Birmingham. They usually give away a couple guns. Lunch is BBQ from SAMs restaurant. Always good. It's always a sell out. I'll post more info when I get it.

http://clarksvillenow.com/local/cpd-detective-catches-man-impersonating-an-officer-in-golden-corral-edit/ Reppin' the hometown this fine individual thought he was going to get a free drink by flashing his badge. As karma would have it one our resident CPD detectives was there and overheard him, and bagged him for impersonating an officer. I know we usually rag on guys/gals with their HCP "badges" but this was STUPID...granted he IS from Kentucky lol. The news article was written as if the badge was a common item...play stupid games win stupid prizes Sent from my SPH-L720 using Tapatalk

Seems odd to have standard handguard with lo-pro gas block. That being said, the UTG Pro Slim is hard to best for the price.

You could do the same thing by paying extra every month.  If you spread a payment or more across your 12 regular payments, you shave off quite a bit of interest because all extra goes to principal.

If the moderators are good with it. I think it's a good idea. I check daily.

Same here. We paid our mortgage off in 9 years and are at zero debt. Great feeling.

   On a side note I feel like this is what the S&W PC is doing to my 625 right now...

Nothing is too big to fail.Being debt free is low stress living.Remember you have to live somewhere,so is it better to live in your own home,, or pay someone else to live there,[bank, mortage co.,rent]. Once you are debt free you will want to stay that way.

Been in that position when a company I worked for lost their HP contract.  leadership hid the facts, came out one day and said we have two weeks before shutting down, of course this was right before the holidays.  After they notified us in the group meeting, I walked over & clocked out.  People said I was crazy for throwing away the severance package, but I wanted a head start searching for a new job before the other more experienced and qualified people got their names out in the local area.  Plan worked.   Wish them all the best of luck, the smart ones should already have quit and are spending 18 hours a day looking for a new job.

  Tell me I'm wrong!  They use some of the nastiest petroleum and additives possible for that.  Couple it with being churned around in a relatively airtight space for tens of thousands of miles and usually having clutch-pack friction material stirred up in it for a that entire time... MMMMMM MMMMM MMMMMM that's some good smelling stuff.   Most friends who have had me help them set up gears on Jeeps or Mustangs have literally gagged a bit the first time they've cracked open the pumpkin on a differential and inhaled all of that possumy-butthole goodness.   Makes your eyes water sometimes!  :D

Agreed, when I moved to TN the plus on lower taxes, was a big deal. Even better is the people and the general attitude is so much more agreeable, and I came from VERY rural NY...

^^^ All good advice!

This

I have a couple of WW1 and WW2

Sell the truck.  Start over.  You deserve it. And a new gun rack.

Setting up a gear set properly takes knowledge and experience. A lot of guys just take it out and reuse the old shims with the new one, but to actually do it right is a bit trickier. Take it to a pro.

Mechanic. Some things are just worth paying for.

Stop fooling yourself. Mexican labor is simply cheaper.

Martins, any location You won't be disappointed. Plus you'll smell smokey when you leave

Some badly formed, but chuckle worthy comics on the above topics. I cant take credit for all of them. The ATF Conformity Santa and Dip And this last one is a PSA for any of us on active/disgruntled vets who still pack a dip. Dont try this without consulting your doctor... Sent from my SPH-L720 using Tapatalk

I've swapped out a few, always did the entire unit as I never had the knowledge and tools for a gear swap.  That said junk yards are always iffy.  Pull-a-Part probably put a taste in my mouth as bad as possum butt holes but most everything on their lot was worn out 100,000 miles ago.  Who wants to do that much work to swap in a differential with 300K on it?  Dealing with salvage yards that buy vehicles from insurance companies may yield better results, it was part of the Pull-a-Part business model that they didn't buy insurance wrecks, they got their stock from individuals so about the only chance you had of getting something that wasn't work out is if someone had a vehicle that wasn't too awfully old but paid off, then they crashed it at fault and sold it to the yard.  Even if you bought a warranty and it didn't work you still have to do the job twice or pay someone else to.  I guess to sum it up, if you get one out of a junk yard make sure that you know what you are getting.   IMO the way to do this job best is to pay someone who is good to rebuild what you got.    One more thing and you probably know this but no one has mentioned it so I will.  Make sure that the replacement is running the same gear ratio as you currently are or it will bind up since your front and rear differentials will be running different ratios.  Then you will be right back to where you started.  

I've told you we have an unexplained soft spot for FJs. No matter what's in inventory I'll always find the FJs tend to make their way inside. "Crazy FJ" by Erik, on Flickr

  Nothing a hacksaw and grinder won't fix.

  I agree with you. Not only is it a horrible idea but I have issues with it morally. I agreed to pay for this house and would have a hard time just walking away. I paid off my student loans years ago, we have no credit card debt and our Rav4 will be paid off this year leaving only my truck payment.

What they said. Your builder was cheap (just like mine) and not only used the cheapest wire, he also put everything on one circuit. Breakers are designed to protect the wiring, so just arbitrarily increasing the breaker size is a recipe for disaster. What you have to do is run an extension cord from somewhere else to power the 2nd appliance (shop vac, etc.). Or hire an electrician to rewire it so that you've got an adequate amount of power available in the garage. Personally, I think the plumber wired my house. There's no way anyone who called themselves an electrician would have done the exceedingly stupid things I've found. I dread any electrical project because it's like opening Pandora's box. Every time I've done anything, I've found either something really stupid, a blatant code violation, or both.

That movie reference is actually from Another movie - Bogie in Treasure of the Sierra Madre http://youtu.be/4OcM23Hbs5U

John Taffin's site is one of my favorites. Thanks for posting that article.   By way of update, I stand corrected. I dug out some of the stuff last night. Turns out one of the cannisters of Unique was still sealed. Gonna use it. I found a box with a few Hornady XTP bullets, 125 grain. Might use those in the .357. I also found a box of Hornady's #1042 bullet, a 158 grain lead semi wadcutter hollow point. So, I'll be using these for the .38 loads.   Thing is, these are definitely a hard bullet, so I'm wondering how they'll perform.

Fixed it for ya.  Signs should be used to self-identify stupidity not a concealed carry badge.