Patzer’s Activity

Sat Jul 26

NL

Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 5:27 PM

Re: Considering Sam's Club MasterCard

I ended up applying for the card. If it turns out to be a PITA, I can always cancel it.

They printed a new Sam's membership card for me that I can use as the credit card as Sam's; the actual card hasn't come in the mail yet.

I was [more]

Fri Jul 25

NL

Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 2:27 PM

Re: Credit score

DW had a line of credit (which I never knew about) with a bank. Seems she ran it up to about $18,000 -- then got someone at the bank to agree to $9000. Question: So do you think the other $9000 was sold off to a collection agency and that $9000 [more]

Wed Jul 23

NL

Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 3:27 PM

Re: What is the best way?

We don't have a rocksolid communicative marriage at any stretch of the imagination...and I have doubts of his ability to stick with this for very long but at the minimum, I can start paying stuff down sooner so there isn't so much when the courts [more]

Fri Jul 18

NL

Boards Post

Patzer replied to the Ishtar's Gate board. 7:22 PM

Re: In answer to

I can't both fix the car and buy this other one.

That's the kind of repair story that would have me out looking at replacement cars, but . . . I'm not stretched thin financially.

I concur with previous replies that you [more]

NL

Boards Post

Patzer replied to the Fools Fighting Fat board. 7:08 PM

Re: Progress

The fitness thing takes a LOT of time, it feels like.

There's a perceptual thing, here. Yes, the fitness takes time; but I suspect you notice it because it's something added to the routine, squeezing out something that perhaps you'd [more]

Thu Jul 17

NL

Boards Post

Patzer replied to the First World Problems board. 10:44 AM

Re: Poll: For Fun

The song says Georgia, but in the USA we mostly don't have passenger trains any more. Unless you're shipping or receiving freight, you mostly don't think about where that train is going.

Patzer

NL

Boards Post

Patzer replied to the Imp This Ride board. 9:05 AM

Re: GIGO

Add in the data is changing by the minute and they ask for Q & X on Monday, Y on Wed and Z next Tuesday and then are confused why X + Y + Z doesn't add up to Q.

I'm looking at overlapping subsets of data, not unique values, so
[more]

Wed Jul 16

NL

Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 2:57 PM

Re: Considering Sam's Club MasterCard

However Sam's Club generally doesn't carry any (or at least many) Walmart / Sam's Club branded products.

Over time, Sam's has added more house brand products. They change the brand names every two or three years, so I don't remember [more]

Mon Jul 14

NL

Boards Post

Patzer replied to the Credit Cards and Consumer Debt board. 3:49 PM

Re: Considering Sam's Club MasterCard

I've been getting similar offers from other entities other than Sam's Club. AAA had a similar offer. I wouldn't want to be limited to gas bought only at Sam's Club.

That was one of the first things I looked at. It's not just gas at [more]

Sun Jul 13

NL

Boards Post

Patzer posted to the Credit Cards and Consumer Debt board. 5:10 PM

Considering Sam's Club MasterCard

<Background>

I have no debt other than current bill cycle credit cards, which are always paid in full to avoid interest charges. As I use the term, "no debt" also means I own my home free and clear with no mortgage. It has [more]

Thu Jul 10

NL

Boards Post

Patzer replied to the Running Fools board. 4:04 PM

Re: Best running watch you'd recommend?

I'm looking for a running watch to primarily measure distance ran, heart rate. Of course ambient temperature, humidity, calories burned etc would be helpful too.

I'll second the advice to look at [more]

Wed Jul 9

NL

Boards Post

Patzer replied to the First World Problems board. 11:46 AM

Re: thoughts on car loan?

I was in the credit union yesterday and saw a flyer for their car loans which are at 1.24%, a rate that I can get for up to 65 months and for the full purchase price.

At that price, it's very cheap. And interest rates won't stay low [more]

Thu Jul 3

NL

Boards Post

Patzer replied to the Living Below Your Means board. 7:24 AM

Re: Love it or hate it?

Which one do you use? I'm curious. And does it work in Safari on the iPhone also?

I use Weblock, which works by sending requests through a proxy server. That means it only works on WiFi data, not on cellular data; but because it was a [more]

Wed Jul 2

NL

Boards Post

Patzer replied to the Living Below Your Means board. 8:15 AM

Re: NYT: Life expectancy by county

Higher income maybe implies more with college educations and white collar jobs in nice clean offices.

If I think about higher income as not being extremely high but as higher for people who still have to work, some other things come [more]

Tue Jul 1

NL

Boards Post

Patzer replied to the Living Below Your Means board. 11:30 AM

Re: Charitable donations

He quotes Charlie's pay as $35,000 and his charitable donations at $1450 and notes it as significant. But, unless his AGI is less than $24,166 it's actually on average.

I pulled my last tax return, and the calculation came out with [more]

Mon Jun 30

NL

Boards Post

Patzer replied to the Living Below Your Means board. 8:38 PM

Re: Love it or hate it?

For me, it's not about targeted or not targeted; it's about intrusiveness and slowing down the computer connection waiting for ad servers to respond.

Targeted ads are better than non-targeted, because they're more likely to be for something [more]

NL

Boards Post

Patzer replied to the Living Below Your Means board. 3:22 PM

Re: Easy check deposit

Yup, these apps have been around a while. I'm not quite brave enough to give up the small account at my local credit union, but insurance reimbursement checks now get deposited to the non-local CU that pays better interest. (Okay, in today's [more]

Sat Jun 28

NL

Boards Post

Patzer replied to the Ishtar's Gate board. 10:21 AM

Re: Letting Money Sit

What's a good goal for having money set aside for a vet? We spent about $1000 on Pumpkin in December and January, but he hadn't been all that often before that. I know how much a regular office visit is, and when Pumpkin was sick, we couldn't get [more]

Thu Jun 12

NL

Boards Post

Patzer replied to the Living Below Your Means board. 11:46 AM

Re: Poll: Defining "class"

I pretty much agree with the common understanding of classes:

1st income quintile (up to about $20k now) is the POOR / WORKING POOR.
2nd, 3rd (~$20-62k) maybe even 4th (~$62-102k) are MIDDLE CLASS.


I think we're stuck [more]

NL

Boards Post

Patzer replied to the Living Below Your Means board. 10:16 AM

Re: Poll: Defining "class"

I think we ought to define class by how often one goes to Starbucks.

I never go to Starbucks. I guess I have no class, at least by that definition.

Patzer

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Boards Stats & Trivia

Big gold star, 5000 posts Old School Fool
Board Posts 6937
Recs Received 16728
People who have rec'd these posts 2223
Recs to Posts Ratio (last 30 days) 4.50
Threads Started 502
Threads Started Percentage 7.24 %
Most Frequent Board Credit Cards and Consumer Debt
Very First Post Re: Buy carefully (5/5/1998)
Percentage of Posts Rec'd 54.49 %
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