Important

XJ&CHZ4ME said:
I am a firm believer in sometimes the opportunity cost is worth the extra money you pay for it. I am paying a full percent higher on my ag operating loan bc I choose to keep it with my small locally owned and operated bank. I know I can get it cheaper from a chain bank, but I like the fact I can call on my way home from an auction and tell them I need a $100,000 for a combine I just bought and their response is "cool, what color did ya get?" and that is followed by "well, come in this week and we will draw up papers". I am glad to pay extra for that treatment. If I play the markets and contest out my grain a month past when my note is due, no sweat, they just like communication and they are good to go. I know Sean and I have talked about this before, but it is almost scary how easy it is to get money once you have a good relationship established with a small locally owned bank.
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agreed, i have been dealing with a locally owned credit union since i was 15 and have always been pretty happy there. few months ago i was running pretty late on a payment and ended up owning 50 dollars in late fees. i went in there to talk to them and she said didn't you just get married a few months ago. yes i did. alright lets called this a wedding gift and wiped my fees clean
 
I would stick with IU credit union since it is Local to you. If the little guy treats you well, why not stay.
 
XJ&CHZ4ME said:
I am a firm believer in sometimes the opportunity cost is worth the extra money you pay for it. I am paying a full percent higher on my ag operating loan bc I choose to keep it with my small locally owned and operated bank. I know I can get it cheaper from a chain bank, but I like the fact I can call on my way home from an auction and tell them I need a $100,000 for a combine I just bought and their response is "cool, what color did ya get?" and that is followed by "well, come in this week and we will draw up papers". I am glad to pay extra for that treatment. If I play the markets and contest out my grain a month past when my note is due, no sweat, they just like communication and they are good to go. I know Sean and I have talked about this before, but it is almost scary how easy it is to get money once you have a good relationship established with a small locally owned bank.
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Tyler, Dad was the same way, did everything he could with the local bank. The bank president is my my little sister's godfather. He made 2 late payments in 30 years on his farm loan.

Unfortunately, it's no longer a local bank, it's but a single outlet in Citizen's. After then buyout, what's left of the family in that area went 15 miles down the road to another local bank that's very highly motivated to stay local.
 
I definitely get staying with the little guy. The only reason I was looking to switch is one, it seemed like a good rate. And two, most likely come december I will be moving out of Indiana. So consolidating all my finances to a single national bank would make everything easier when the time comes to move. But IU Credit Union has treated me well and I have treated them well. I have made every payment on my two loans on time and have never had a complaint with their service, it's nice calling and talking to a person and not a automated message. I may just stick with them for now.
 
I thought you were going to tell us that you were getting a different truck...

We refinanced Grace's car a couple months ago to get a 2.49% instead of the 6%+ she was paying. Its a local credit union. I'm going to try to see if they can refi the house...it was financed by a local company...broker...and sold to chase...

I want to refi into a 15 or 20...but if she quits working...

mac 'local credit union gave me a great rate on the trailer too' gyvr
 
Interesting little opportunity that I just had handed to me…

A young lady that works in my office is a big gun nut (the good kind). We’ve had many types of gun conversations, shooting evil black guns, etc. I knew her dad is the one that got her interested in firearms and shooting but I didn’t know to what extent he was involved with the hobby/sport.

So, that’s the background. Well her dad is dying from cancer. He’s almost ready for hospice so her mom and dad sell their home and move up northern WI for his final days. Mom plans to go back to S. Korea after his death.

So the other day, this girl asks me if I’m interested in any ammo. I says “sure, what do you have and how much?”
So she says that they hauled thousands and thousands of rounds of varying calibers and they’re (her and her young hubby) still trying to do an inventory. Right now they have about 40K of .22 cal and boxes upon boxes of everything else. Big ammo cans full. :shocked:

Needless to say I started getting a chub. (You can tell I’m getting older when it’s AMMO that’s giving me a chub) I didn’t know this but he sold guns and he built/sold AR’s, Uzi’s all sorts of bangthings and he also was a bit of a ‘doomsday preparer’ or survivalist.

So, I told her I’m looking for .380, .38 and lots of 9mm. I also told her I have some buddies who would be interested in .40, .45 and .357. I’m waiting for them to finish doing the inventory so we can see just how massive this stash is.

Christmas is going to be early this year.

My missus isn’t too happy about that. Not much $’s available for ‘that’. I said “but what about the pending zombie attack?!?”


No comment after that :laugh3:
 
Our current mortgage is through Bank of America. It was originally with Countrywide until they were bought out. If we ever sell this house, we are going through a local branch of Wells Fargo. If we end up staying here, we will still refi through Wells Fargo. I know they're still a larger bank, but at least they have a local branch and know us by name.
 
When Deb & I bought 3.5 years ago, we ended up with a local bank who was very upfront that they would sell the note as soon as the ink was dry. Checks go to BofA. I wouldn't bet that WF will keep your note in-house.

And the local Countrywide agent at the time...... he pissed me off to the point that I'd have probably walked away from any deal that he might have offered. In the end, he couldn't match what the local bank came up with.
 
bmyohn said:
And two, most likely come december I will be moving out of Indiana.
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You suck! :D Move somewhere cool like Colorado or else I'll never come see you! :roflmao:
 
ChiXJeff said:
For an even earlier prior art example, look at the newspads in _2001: A Space Odyssey_.

My biggest complaint & fear is the huge integration with server resources located elsewhere. This isn't just phones, this is all sorts of services. Android Car Nav depends on Google Map resources. Shoot, all of Android depends on a major Google instrastructure project. Window8 looks like it's going to behave more like a client side display appliance, most of the heavy lifting will happen elsewhere. I don't view all of this as an advancement in technology.
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I'd say yes to that.

not to mention what it's costing in bandwidth for stupid things. I did see that you can make the GPS function offline if you download the map data. It's new in ICS I think. We really considered nexus unlocked phones straight from google. No middleman bloatware installed. $350 a phone is pretty steep though, so we'll probably end up with a 2.3 unit. No iphones on the prepaid, and we can get everything we need for $60 a month less than verizon. we can even take our verizon numbers with us, and the phone is a verizon network phone. Makes me wonder how verizon can sell the service to a prepaid provider and make money but can't sell it direct to me for less.
 
WI88XJ said:
Interesting little opportunity that I just had handed to me…

A young lady that works in my office is a big gun nut (the good kind). We’ve had many types of gun conversations, shooting evil black guns, etc. I knew her dad is the one that got her interested in firearms and shooting but I didn’t know to what extent he was involved with the hobby/sport.

So, that’s the background. Well her dad is dying from cancer. He’s almost ready for hospice so her mom and dad sell their home and move up northern WI for his final days. Mom plans to go back to S. Korea after his death.

So the other day, this girl asks me if I’m interested in any ammo. I says “sure, what do you have and how much?”
So she says that they hauled thousands and thousands of rounds of varying calibers and they’re (her and her young hubby) still trying to do an inventory. Right now they have about 40K of .22 cal and boxes upon boxes of everything else. Big ammo cans full. :shocked:

Needless to say I started getting a chub. (You can tell I’m getting older when it’s AMMO that’s giving me a chub) I didn’t know this but he sold guns and he built/sold AR’s, Uzi’s all sorts of bangthings and he also was a bit of a ‘doomsday preparer’ or survivalist.

So, I told her I’m looking for .380, .38 and lots of 9mm. I also told her I have some buddies who would be interested in .40, .45 and .357. I’m waiting for them to finish doing the inventory so we can see just how massive this stash is.

Christmas is going to be early this year.

My missus isn’t too happy about that. Not much $’s available for ‘that’. I said “but what about the pending zombie attack?!?”


No comment after that :laugh3:
Click to expand...

Very interested in any 30/06 and .30 carbine. Sounds like the kind of individual that may have some surplus laying around. I'd love to have some .30 carbine from Lake City.
 
RedHeep said:
Very interested in any 30/06 and .30 carbine. Sounds like the kind of individual that may have some surplus laying around. I'd love to have some .30 carbine from Lake City.
Click to expand...

I'll ask and let you know.

I just talked with her and She said the 9mm is going fast. Seems like the 9mm is the most requests they have.

At least 1k of the 9 are earmarked for me :)
 
well...to add to my awesome luck this week, yesterday i managed to smash/gash the bejeezus out of my pointer finger on my left hand. i probably should have had it stitched, but its nothing some steri strips cant fix. hurts like heck though and makes typing a little tricky
 
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