Zombiehunter
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Posts posted by Zombiehunter
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"Newsom is also pushing a ban on the possession of “high capacity” magazines. He says such magazines are “disproportionately responsible for mayhem.”"
Wait, what?
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We started doing the Dave Ramsey plan many years ago and it has worked very well for us:
1. $1,000 to Start an Emergency Fund2. Pay Off All Debt but the House3. 3 to 6 Months of Expenses in Savings4. Invest 15% of Household Income Into Retirement5. College Funding for Children6. Pay Off Home Early7. Build Wealth and Give.According to that plan, the house is the last thing to pay off. Your vehicles and credit cards should be what you are focusing on, if you have an emergency fund of a couple grand put away.If you got the mortgage recently, it's probably a fairly low interest rate, and almost certainly higher than your other debt, so the other debt just makes sense to pay off. Plus the other debt is a smaller chunk, so it will pay off quicker. The satisfaction of knowing you have no debt but the house is amazing. Then use what you were paying on the debt to pay down the mortgage. It'll be more than $100 a month, so you'll get caught right up to where you would have been if you started on the mortgage first.If you look into how paying off early works, you'll find that it pays off the tail end of the mortgage. If you look at an amortization schedule you'll see that the portion of your mortgage that goes toward principal increases over time. So, a $1000 mortgage payment in the first month pays maybe $5 of principal, and $995 of interest. The opposite is true of the end of the mortgage: your last payment will be $995 of principal and $5 interest. So paying $100 a month extra will take 9 months just to save one mortgage payment. (I made up these numbers because I am too lazy to go look them up, but the point remains, and I'm probably not too far off)Now I'm not saying you shouldn't pay early, but you definitely should take care of the earlier baby steps first. If you have not read any of Dave Ramsey's books, you owe it to yourself to go get one.The Total Money Makeover is one that I read, and it changed the way we look at money. It's taken a while, but we are on step 6. All debt is paid, including two cars, and we are paying down the house as fast as we can. I'm 15 years away from retirement, and I want the house paid for way before that. I can't imagine making a mortgage payment on retirement income.This is how we did it. No debt at all and we were under 50. And I count my blessings every day.
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I don't like those little rat-dogs anyway, always felt they made good snacks for real dogs ...
Dog Lives Matter! ;)
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And I guess we're all supposed to be okay with random, warrantless vehicle searches...
I thought about that. I was in a pickup so they didn't stop me. MJ police are generally known as polite but they can be borderline, um, interesting. Topic for another thread. ;)
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Less than a mile from my house. I am a member there. The Park Glen Subdivision, where I live, has only one way in and out for traffic. MJ Police had it blocked off and checking cars and trunks entering and exiting.
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where did Deana get a 6 shot SP101?
I KNEW I counted 6 shots! Thanks!
I was telling a buddy of mine I was sure I counted 6. Guns start firing, I count. Habit. -
That is a beauty!
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I grew up in Mt. Juliet and spent a lot of time in Lebanon with my grand parents. I've lived elsewhere since 2004 and moved back to Mt. Juliet this summer. Well, Lebanon isn't the bigger of the two towns anymore and the whole county has been saturated with tons of people moving in from other places. Unfortunatley it seems that most of them are yuppie liberals that didn't like it where they lived and want to make our home exactly like where they came from.
I've lived in Mt. Juliet since 1977 and that is exactly what happened. People with money and a naive viewpoint left the hellholes they created, moved out here, and recreated them. I'll never understand that.
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Andrea was put down prior to death.
Andrea put herself down. Now, Dale, on the other hand... "Sorry, brother."
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Y'all ain't gonna believe this $h!t but Hillary was on Good Morning America this morning and announced that she was the most transparent person in the world. You can't make this kind of stuff up.
Oh, she's veeerrrry transparent, all right. I see right through her. ;)
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Franklin Gun Store.
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Don't know if you frequent the Kangaroo Market close by on Lebanon Road but they are now officially posted. It is posted to the right of the door. I, of course, complained and asked when they put up the sign. The lady at the counter said "it's been there, it was hidden behind a sign." Obviously, I wasn't the first one to ask.
If I hadn't needed a coffee so bad... :)
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Welcome back to the United States of America. ;)
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Ooooh! Like.
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I want. Nice work, sir. Nice work.
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I liked the class at GnL. If you're in Williamson Co., the Sheriff's dep't used to do classes too. Don't know if they still do.
I took mine at the G&L in Greenbrier. Retired LEO taught and I want to say he was from Sumner Co.
I went there once looking for a Shield for my wife. The service is less than stellar, and I do not plan to return. I think the problem is that they feel like they have enough business already.
Service varies. Like most places, it's according to who you get.
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Bwahahahahahahahahahaha! I like the way you think.
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Check in to Guns and Leather in Greenbrier.
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Nice!
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Welcome from a feller Mt. Juliet dweller. :wave:
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Whipped this up in Excel...hope it helps. Wish I could post it as a spreadsheet, but a pic will have to do...
Woo Hoo! Wilson County representin'.
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Dang!!
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They're not nearly as bad for gun owners PR as some gun owners are.
Boy, ain't that the truth? :)
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This is my hiking buddy.
That is one handsome dog, my friend. I'll take him. :)
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This is my hiking buddy.
Walking Dead Season 6
in General Chat
Posted
I've thought that, too.