Told ya so!So with that can we go back to questions about fraccing or do I need to have the mods come in and clean things up again?![]()
Frankly, I don't think you give two twists of a knob either way.So with that can we go back to questions about fraccing or do I need to have the mods come in and clean things up again?![]()
I thought so too! But; now I don't know? maybe it's a new type of stain; oil sanding. A deep stain in wood once ingrained; just won't rub out?Personally I thought this thread got sanded off
And they have itchy trigger fingers...Just remember, the mods are watching, lurking, waiting...
I hear you. While there's no such thing as a guaranteed job (tenured faculty or government employee can sure come close), many fields are far more volatile than others and for people that work in those fields not to plan for the ups and downs is highly negligent. I've known lots of people that, through planning well beforehand, leverage the volatility. They know that there will be extended periods between contracts so they make sure that they have one or two years of basic expenses banked and, because they live absolutely debt free, it doesn't take that much to cover basic expenses for two year. They then have money set aside so that they can really use the gaps to take one or two major vacations and to upgrade their skills by taking some college courses or some specialized training. Those folks, by and large, lead very stress free lives. That's the path I've tried to follow (and was very much in that position for a number of years). I can't say that I'm there now, but only having modest mortgage debt has been a godsend over the past three years and allowed me to pursue opportunities, most of which have not panned out, that otherwise would simply not have been possible.Looks like they put the cork in our oil fields for the time being. Massive shutdowns and layoffs around the area this week with the majority of us who are not out in the fields this week finishing the remaining work now being the first to get laid off.
Me included with the majority of the remaining people to follow shortly behind once the last bit of clean up and putting equipment into long term standby mode is done.
Right now I am rather appreciating that I own everything I have outright and have every bill paid off plus have a good deal of reserves banked up at the moment.
It's almost scary to see how many of the people around me are living paycheck to paycheck plus have a mountain of debt over their heads yet almost nothing to show in return despite the insane take home pay we were making.
Oh well 6+ months of vacation time here I come!
(I hope.)![]()
Some financial "advisors" insist it is advantageous to carry a a sizable mortgage into retirement. That to me is nuts!I can't say that I'm there now, but only having modest mortgage debt has been a godsend...
There's a school of thought that says to carry as much credit card and other unsecured debt as you can (without harming the all-important FICO score) because if things turn bad you can forestall creditors by pointing out how on-the-verge of bankruptcy you are and, if they turn worse, you get that much more of a "help" by actually filing.Some financial "advisors" insist it is advantageous to carry a a sizable mortgage into retirement. That to me is nuts!
That's the first time I've seen this in print. Everybody I have spoken to just thinks I'm insulting my ex-wife when I say she adhered to that practice.There's a school of thought that says to carry as much credit card and other unsecured debt as you can (service).
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