THE Random Chat Thread - AKA "The RCT" - No shirt or shoes required - Open 24 / 7

ANTIQUARIAN said:
Beautiful find John. :hello2: If you look at your crucifix in the close-up pics you can see how crudely it's been cast, this piece may have some serious age to it. :icon_scratch:
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Could be the school I found it in is mainly immigrants from Mexico so they bring a lot back from there that they past to their kids could be possible.
 

bill from lachine said:
For those who play the market pretty rough ride the last few days.
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All the mutual fund holders, and the value of endless pension funds.
But most are in for the long haul and the upside still out weighs the down side.
I was just got informed I will get a 4.4% COLA on my disability pension.:headbang:
 

pepperj said:
All the mutual fund holders, and the value of endless pension funds.
But most are in for the long haul and the upside still out weighs the down side.
I was just got informed I will get a 4.4% COLA on my disability pension.:headbang:
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Jim, that should keep you out of the poor house for awhile.
 

bill from lachine said:
Jim, that should keep you out of the poor house for awhile.
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4.4% of little still is a little, no matter how one slices that little one Bill.
Now give me 4.4% on the GIC's I might be more impressed at the 04/30 date for tax return.:headbang:
I say bring back the 80's rates. :hello2: I what to see the 40 yr old rates today.

I couldn't imagine if the rates were even 10% for mortgages, there would be a crash of homes on bankers market.
 

bill from lachine said:
Jim, Lucky I stayed away from that one.
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I remember the Western Union rates were high at the time and the Owner of the England club was wondering about other ways to transfer funds for the hunts.
I suggested Bitcoin as it was around $5-6 dollars each. He said he didn't understand enough about them to use them. I had to agree, and still don't. :laughing7:
 

Bill
You shamed me yesterday,so I'm prepping today ,
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6 pound bird,mashed red skins pots.,spinach & gravy All Organic :)
 

pepperj said:
4.4% of little still is a little, no matter how one slices that little one Bill.
Now give me 4.4% on the GIC's I might be more impressed at the 04/30 date for tax return.:headbang:
I say bring back the 80's rates. :hello2: I what to see the 40 yr old rates today.

I couldn't imagine if the rates were even 10% for mortgages, there would be a crash of homes on bankers market.
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Jim, When we bought in 1985 we had a 5 year locked in mortgage at 12.25%.....mind you it had been up around 18%/20% range shortly before so we didn't take any chances. Paid an extra 15% on top of that to speed up the payments. When it came due we just went with 6 months at a time at about half that rate. 8 1/2 years and no more mortgage. It felt great!
 

pepperj said:
I remember the Western Union rates were high at the time and the Owner of the England club was wondering about other ways to transfer funds for the hunts.
I suggested Bitcoin as it was around $5-6 dollars each. He said he didn't understand enough about them to use them. I had to agree, and still don't. :laughing7:
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Jim, They're basically a speculative gamble if you're on the wrong side of the swings you get slaughtered as we're seeing recently.
 

bill from lachine said:
Jim, When we bought in 1985 we had a 5 year locked in mortgage at 12.25%.....mind you it had been up around 18%/20% range shortly before so we didn't take any chances. Paid an extra 15% on top of that to speed up the payments. When it came due we just went with 6 months at a time at about half that rate. 8 1/2 years and no more mortgage. It felt great!
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It's the only way Bill-buy it and get rid of the party holding the note.

Yet so many in this world just do the cookie cutter good sheep model of financing.
Gee it's great 5 yr mortgage on a 30/40yr amortization

Gee it's a great 5 yr mortgage on a 30/40 yr amortization
Hey nothing moved-I still owe nearly the same?

Well you just are basically paying off the interest
Let me see here if I can do, er, click, eh click de click, um click
Well how about this, I can increase your line of credit, and C/C
Do sort of a consolidation of the CC, auto.
And set you up in one of new saving plans with free cheques
Now the base free for this is great $xx.xx per month

Yup a 5% increase in rates would finish off a whole bunch, 10% would make a whole lot more run for cover.
This where the toys at the end of the driveway appear.
15% would be a jingle mail event (for the younger members - it's where hte keys get mailed back to the lenders.

My brother got a 22% rate on his house in the early 80's.
 

RTR said:
Bill
You shamed me yesterday,so I'm prepping today ,View attachment 2005499View attachment 20055006 pound bird,mashed red skins pots.,spinach & gravy All Organic :)
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Nicely done sir-you're all forgiven-but those burgers looked great.
We just did one u[ the other day. The broth is bottled up for those certain days. Now the soup prep starts.
 

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