Random Thought Thread

Nathan the Machinist said:
I think the last sale was relatively slow

And the next sale should be even slower because there's 30 instead of 20, and that pattern is fully saturated. I wouldn't be surprised if it's open for hours. ←which is, and always has been, the goal.
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Maybe if you only allow sales to people who DONT own one already. 🤣
 
My FICO score just hit 850 again. ☺️

The last time was just before I refinanced the mortgage on my house to 3% three years ago.

Doesn't much matter because I don't need to borrow $ anymore & all of my credit reports from the 3 major credit agencies are frozen . . .

but I consider it a major accomplishment. :cool:
 
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sgt1372 said:
My FICO score just hit 850 again. ☺️

The last time was just before I refinanced the mortgage on my house to 3% three years ago.

Doesn't much matter because I don't need to borrow $ anymore & all of my credit reports from the 3 major credit agencies are frozen . . .

but I consider it a major accomplishment. :cool:
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Great job! Now don’t ever sign up for anymore credit cards lol. I cut all mine up last time we paid off debt. If I can’t afford it I don’t need it.
 
Murphjd25 said:
Great job! Now don’t ever sign up for anymore credit cards lol. I cut all mine up last time we paid off debt. If I can’t afford it I don’t need it.
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We just use our credit cards for the cash back/miles.

I have a really high credit score and almost zero debt (mortgage is all), but we don't ever use it. Maybe once we build the addition on the house we'll use it, but that's a long way off still.

I think that is how you become a modern day slave. I'm 42 years old and going back to school to change my career path because I hate what I'm doing right now. That wouldn't even be an option I could consider at all if I were burdened by debt.

Financial chains may not be visible, but they're every bit as strong as anything made of steel or iron.
 
If you want to make 12% on your money with relatively little risk -- apart from ordinary market risk -- based mainly on trading call options on the S&P 500, you should consider investing in SPYI.

It's a little high now at $51+ but it's worth buying at below $50 & preferably around 49 (but 48 would be better) which would be near the middle of the 1 yr trading range. I'm in at 49.25. NAV is $51.76 & it's just below that now. Trading volume is sufficient for trades in blocks of 1k.

See: finance.yahoo.com/quote/SPYI/?
 
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carnifex knifeworks said:
We just use our credit cards for the cash back/miles.

I have a really high credit score and almost zero debt (mortgage is all), but we don't ever use it. Maybe once we build the addition on the house we'll use it, but that's a long way off still.

I think that is how you become a modern day slave. I'm 42 years old and going back to school to change my career path because I hate what I'm doing right now. That wouldn't even be an option I could consider at all if I were burdened by debt.

Financial chains may not be visible, but they're every bit as strong as anything made of steel or iron.
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I know quite a few people that do just that. I could do the same but meh, I’m terrible and know if I even had a credit card id be right back where I was. I thought about keeping one for emergencies only but my wife is so good at making sure we save money we really don’t need to rely on banks anymore. I’m sure I’ll get another one someday, I’ve always wanted a Cabela’s card lol.
 
I remember my grandpa never had a credit card, but always kept a secret stash of cash in the gun safe and buried in the back yard. 🤣 My grandpa always told me if you can’t afford it you don’t need it. I’m trying really hard to live that way now and it’s been successful the last couple of years.
 
I need to take a mulligan on my vow not to buy any more knives in 2025 because I've already purchased 3 that I "needed" to fill my ZT & Spyderco collections. 🤷‍♂️

I really am resisting the urge to buy any more knives but I'm going to modify my pledge to allow for the purchase of those knives that I think important to add to my collection.

There have been many other knives that I've already seen for sale in 2025 that I've passed on which I probably would NOT have passed on in 2024.

So, at least, that's something. LOL!!! 😉
 
sgt1372 said:
My FICO score just hit 850 again. ☺️

The last time was just before I refinanced the mortgage on my house to 3% three years ago.

Doesn't much matter because I don't need to borrow $ anymore & all of my credit reports from the 3 major credit agencies are frozen . . .

but I consider it a major accomplishment. :cool:
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Damn, well done! I still can’t break 840. My understanding is that it doesn’t really matter past 800, but having an 850 is something that I feel a need to see… someday…
 
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