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Title: Another Strange Day: CitiBank Increased my Rate from 4.99% to 18.99% Today
Source:
Here at 4um
URL Source: [None]
Published: Nov 9, 2009
Author: buckeroo
Post Date: 2009-11-09 20:15:34 by buckeroo
Keywords: None
Views: 2233
Comments: 74
I received a letter today from CitiBank about the credit card I have with them. It is a Diamond Rewards Preferred Card (the black stealthy looking one) that has a credit ceiling beyond $25K. They have changed their rates on my account from 4.99% to 18.99%. I called their HOTLINE and they say I am an excellent customer with an excellent account with excellent credit and there is nothing they can do about it. That within the current business climate, they MUST remain competitive by extending credit to all customers. Two months ago American Express did the same. And three months ago, Discover Card simply canceled my cards for lack of usage. I have come to the realization that other than business purposes there is no reason for credit cards. Yet, sometimes I can not use my bank debit card at local restaurants and businesses without fees or outright decline. I am afraid, that credit consumerism in America is all but over, even for the most responsible of us.
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#1. To: buckeroo (#0)
Even post-divorce, my credit rating nudged 800, sometimes a bit over, sometimes under, and all my cards have jacked the rates. I got the same story when I called in, credit has contracted, they're doing this across the board, etc. I use Amex or debit now.
PHILADELPHIA (Reuters) - Kraft Foods Inc said on Monday it secured a $9.2 billion senior unsecured term loan to help finance its $16.4 billion hostile takeover bid for Britain's Cadbury Plc. Kraft would use the proceeds of the loan to finance the proposed acquisition and refinance certain Cadbury debt, according to a filing with the U.S. Securities and Exchange Commission. Citigroup Global Markets Inc, Deutsche Bank Securities Inc and HSBC Securities (USA) Inc served as joint bookrunners, while Citibank and Deutsche Bank AG Cayman Islands Branch served as co-administrative agents, according to the filing. The banks participating in the new credit facility are: Citibank, Deutsche Bank AG - Cayman Islands Branch, Deutsche Bank AG - London Branch, HSBC Bank USA, Barclays Bank Plc, Banco Bilbao Vizcaya Argentaria, BNP Paribas, Credit Suisse AG -- Cayman Islands Branch, Royal Bank of Scotland Plc and Societe Generale. (Reporting by Jessica Hall; Editing by Steve Orlofsky) “Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Come on now. You responsible?
God is always good!
So Kraft is taking over Cadbury. Interesting.
Bloomberg Friday, November 6th 2009, 1:21 PM John Reed, former Citigroup CEO Sullivan/Getty John Reed, former Citigroup CEO John S. Reed, who helped engineer the merger that created Citigroup Inc., apologized for his role in building a company that has taken $45 billion in direct U.S. aid and said banks that big should be divided into separate parts. “I’m sorry,” Reed, 70, said in an interview yesterday. “These are people I love and care about. You could imagine emotionally it’s not easy to see what’s happened.” Citigroup was formed in 1998 when Citicorp, a commercial bank, combined with Sanford I. Weill’s Travelers Group Inc., which owned the investment firm Salomon Smith Barney Holdings Inc. The New York-based company lost $27.7 billion in 2008 and took $118 billion in writedowns. Now 34 percent-owned by the Treasury Department, Citigroup sought help in the wake of a credit freeze that claimed three of Wall Street’s biggest firms and led to the deepest recession in 70 years. Congress’ overhaul of U.S. financial regulations should include ordering banks to hold more capital, ensuring executives’ compensation is aligned with long-term profitability and banning firms that take deposits from also engaging in equities and fixed-income trading, Reed said. “I would compartmentalize the industry for the same reason you compartmentalize ships,” Reed said in the interview in his office on Park Avenue in New York. “If you have a leak, the leak doesn’t spread and sink the whole vessel. So generally speaking you’d have consumer banking separate from trading bonds and equity.” Glass-Steagall Repeal Lawmakers were wrong to repeal the Depression-era Glass- Steagall Act in 1999, Reed said. At the time, he supported overturn of the law, which required the separation of institutions that engaged in traditional customer banking services from those involved in capital markets. “We learn from our mistakes,” said Reed, who wrote an Oct. 21 letter to the editor of the New York Times endorsing a division of banking activities. “When you’re running a company, you do what you think is right for the stockholders. Right now I’m looking at this as a citizen.” Reed headed Citicorp for 14 years until the merger with Travelers. The deal created the world’s biggest financial company in a stock swap valued at about $85 billion. Reed and Weill were co-chairmen and co-chief executive officers until Reed’s retirement in 2000. Citigroup spokesman Stephen Cohen declined to comment. Reed’s Compensation From 1997 to 1999, Reed received salary and bonuses totaling $23.4 million, according to Citigroup filings. In 2000, he received a retirement bonus of $5 million, filings show. Citigroup provides him with an assistant and a New York office, for which he pays taxes, he said The third-largest U.S. bank, Citigroup shed about $300 billion in assets, or 13 percent of its total, in the third quarter and is selling what it calls non-core properties, according to regulatory filings. The company said yesterday that it will spi off its Primerica Financial Services subsidiary. CEO Vikram S. Pandit has eliminated about 100,000 jobs since late 2007, reducing the headcount by 26 percent as of Sept. 30. Citigroup pioneered the production of collateralized debt obligations, bundles of loans whose cash flows were sold to investors. When subprime mortgage borrowers began defaulting on payments in 2007, the CDOs lost value and became part of Citigroup’s $118 billion in writedowns and credit losses. In the last year, the bank received $45 billion from the U.S. government to bolster its capital and another $300 billion in loss guarantees. The Treasury Department retained its 34 percent stake after converting a portion of the $45 billion in rescue funds to equity. Read more: http://www.nydailynews.com/money/2009/11/06/2009-11-06_bank_merger_man_john_reed_im_sorry_i_ever_built_citigroup.html#ixzz0WPpOgeMq “Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
It's happening to nearly everyone, Buck. My wife has an 790 FICO and JC Penney
just notified her that her new interest rate would be 23.99%, up from 12.99%.
She never carried a balance, or missed a payment. She might have used it 8-10
times a year. Anyway, she told them to shove their credit. Our goal will be to
have two cards for convenience, and go back to cash as our first line of
payment.
There's the plan. Have one or two, preferably from a local bank or CU, to be able to rent a car or flight etc, cash for the rest. The CC Mogals have the elimination of cash as their goal. A very bad thing.
"Satan / Cheney in "08" When our daughter went to register for collage she went to the cashier. He said it was some thousands of dollars, check or cc. She said "is cash OK?" She tells me he froze, looked at her and said "I gotta see this". Was only three or four thousand bucks, and she had to help him count it. Save it and pay it, get it over and know where you are. We flip out our suppliers (well they are used to it now) cause when we get a delivery, unless its four or six thousand, we flip em off in cash. Disturbs the newbees. No muss or fuss, just be sure to get them to sign off that they received the cash - from there in it's all their problem. And we are done with the accounting.
"Satan / Cheney in "08" What has happened is the open ended TARP funds have permitted the banking conglomerates to stomp the earlier agreements with their small customers while investing further into HUGE industries. And some want to talk about responsible. By removing credit or increasing rates, the federal government has buoyed HUGE business concerns while simultaneously stomped the private investor and entrepreneurs.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
That's friqqing INSANE. Not that you are asking, I'd gladly give her a line for 6 or 8 % AND I wouldn't pretend we didn't get the payment till after the due date. Let's call this by it's name - Shysters.
"Satan / Cheney in "08" Yes that was the purpose behind your posts. The company I work for has a contract with Kraft. Course I'm switching departments and won't be working with Kraft stuff any more.
Way to go.
"Satan / Cheney in "08" Absolutely. With us, these goofy companies are dealing with people who lived before CCs were around. It's back to money orders and catalog sales if need be. In the end the companies will be the ones to take it on the chin.
For every action [by government], there's always a [negative] reaction. www.boston.com/business/p...rms_hurry_to_raise_rates/ "Credit card firms hurry to raise rates: Some top 30% as new rules loom" 11/06/09
We closed all of our credit card accounts a month or so ago for the exact same reason. My parting comments to them was "fuck you very much." childish yes but it pissed me off that they would dick me like that after 20 years of being a responsible customer. Now if I need plastic I use my debit card. Yet, sometimes I can not use my bank debit card at local restaurants and businesses without fees or outright decline. I've never been charged a fee for using my debit card nor has anyone ever declined it. I guess I've been lucky so-far.
"The Central Intelligence Agency owns everyone of any significance in the major media." ~ William Colby, Director, CIA 1973–1976 The purpose of the legal system is to protect the elites from the wrath of those they plunder.- Elliott Jackalope "When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that justifies it." - Frederic Bastiat
Chase jacked my credit card rate from 8.9% to 11.9%. It was a couple of months before I even noticed it. I called and complained. They said there was nothing they could do. So I wrote a $10,000 check on my Chase equityline and paid it off. Now I pay 3.64% on the equityline.
You are amazing in both thought and discovery. You seem to know what I do even though I act innocently while conveying a serious message.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Buck, guys, We have three CC's that we use. If we get billed for say $525.83, I just round up the payment to $600. 'cause I know that we've jammed it a few times since they've billed us. Besides, it's much easier to write the check in round numbers these days.
BUMP to that post. Indeed my entire family is doing the same.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Be very careful with the debit cards. Be very, very careful.
Be very, very careful. I have a clause in my contract that protects my account if my card is fraudulently used. The bank will replace all of my money.
"The Central Intelligence Agency owns everyone of any significance in the major media." ~ William Colby, Director, CIA 1973–1976 The purpose of the legal system is to protect the elites from the wrath of those they plunder.- Elliott Jackalope "When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that justifies it." - Frederic Bastiat
I just do not understand this, the only declines we ever have is when the carrier has cut off the account. We get nicked 3.53% on a average cc use - that is substantial, esp on a pack of cigs where our margin is 17% or so. Off hand I guess we pay the CC companies $1,900/year on a guesstamated $330,000 revenue. They are BS artists of the first order.
"Satan / Cheney in "08" deleted
deleted
Chase has been sending me a $25 "check" every couple of months that I can spend on Amazon. My roommate tells me it's some sort of "rewards program" for using their credit card. Lately I noticed that I haven't been getting any $25 checks, but when I bought something on Amazon I noticed that I had a $200 credit. One of the choices they gave me was to receive a check for the money. I chose that option and they sent me a $200 check last week which I deposited. I think if you use your credit card and pay it off every month you won't pay any interest, but according to my rooommate you'll still get the $25 Checks. So theoretically, you can get Chase to pay you to use their credit card.
Save, bronze, and frame that clause.
You must be talking about a Merchant Account. Our Bank of America Merchant Account has nasty fees like that. We're in the process of switching to a Costco account. Their fees appear to be a lot better.
You seem to be in the know. You will find me awkward within my next comment as I rarely say that anyone's valued comments are worthy of attention but your valued comments are worthy of attention.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
CostCo/AmEx cards cost nothing, if you're smart enough to pay them off in full every month. And their fuel costs are the cheapest.
I think what you have performed about personal merit is the REAL revolution. I am following your lead; I need a few charge accounts with recognizable signatures for business transactions however and otherwise.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
You ACTUALLY USE the 'pay interest option' with your 'credit cards' ??? LOL You ACTUALLY USE citibank ?????? FOFLOL !!!!!
Wait until the rate change. BTW, I have always enjoyed your posts. Truth and honesty cutting to the chase is a continuous method by your own awesome methods. And thanks for sticking up for me on forums not to be discussed here.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Not sure what happens if you refuse, i.e., do they cancel the card, etc., but I'm thinking that as long as you're credit is good, they wouldn't do that. You are correct. The existing methods are solid agreements. But the change is the whole point of the thread. I sense issues not about any agreements. It is all about the bankruptcy of America.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
We sold our business a couple of years ago so we were using one as an emergency card and the other we used as convenience and paid off at the end of the month so the % raise didn't really affect us, but it pissed us off.
"The Central Intelligence Agency owns everyone of any significance in the major media." ~ William Colby, Director, CIA 1973–1976 The purpose of the legal system is to protect the elites from the wrath of those they plunder.- Elliott Jackalope "When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that justifies it." - Frederic Bastiat
You are right. That wasn't the point though. We've had those credit cards for more than 20 years and have never missed a payment, and over the last couple of years have paid them off completely at the end of every month. As far as I'm concerned they stabbed us in the back, so screw them.
"The Central Intelligence Agency owns everyone of any significance in the major media." ~ William Colby, Director, CIA 1973–1976 The purpose of the legal system is to protect the elites from the wrath of those they plunder.- Elliott Jackalope "When plunder becomes a way of life for a group of men living together in society, they create for themselves in the course of time a legal system that authorizes it and a moral code that justifies it." - Frederic Bastiat
Well stated. But remove credit card transactions from your personal business.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
deleted
Well stated. But remove credit card transactions from your personal business. I just have several checking accounts with usaa.com to pay the bills, and keep tract of everything there.
Hayek Fan: I just do not understand this, the only declines we ever have is when the carrier has cut off the account. Au contraire. Local businesses don't want to pay the 3% overhead anymore.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Not sure what happens if you refuse, i.e., do they cancel the card, etc., but I'm thinking that as long as you're credit is good, they wouldn't do that. From an article here: freedom4um.com/cgi-bin/readart.cgi?ArtNum=110077 "...For instance, portions of the new law enacted in August require banks to give customers 45-day notice of any changes in an agreement. Consumers can opt out of an impending increase, keeping their card at the lower interest rate, but only until the card expires. After that, they must apply for a new card. They can also avoid the interest hike by closing the account and arranging to pay off the balance at the lower interest rate..."
Can you still buy a GUN with a credit card these days ? Can you still buy a GUN with a credit card over the INTERNETS in duhhhhhmerrrriKa these days ????
That's why I ALWAYS ask local guys what is their cash discount...if they don't offer any, I jam them with some plastic with reward points. Most are smart enough to see the advantage.
Of course you can. All you have to do is have it sent to a FFL person.
usaa is a globalist company.
Only if you're an idiot or a rotara; same thing.
Beautiful. The last word I got was that one major processor wasn't allowing it anymore with the rest to follow suit as the administrashun clamps down. I would suggest running up what's left on these jewsury cards for anyone that isn't completely prepared with guns, bread, butter, etc.; you know what I mean...
is it a turd ? is it a drain ? NO ! It's fred !!! Same thing...
it's a small bore. lol
oy...
Best response to this thread ! Fuck em, credit is killing America not so much because of the concept of credit but because the commercial law outweighs the CON stitution.
SPAMerica, a nation of spineless, gutless, mindless, self-absorbed, internet litterbugs.
LOL are you being sarcastic? I can't tell.
I was conveying the deepest of respect of and about your opinion. I am impressed that you seem to know me so well.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Aww See how sweet you are?
Check this out: Weird CitiBank Maneuvers We ( certainly not myself ) are not alone.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Check out the link in the post just above.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Actually, I am a mean and rotten sort of derelict incapable of reason and civilized behaviour. I have been told that I need a one inch hemp rope with thirteen knotted loops wrapped around my skinny neck from all over the Internet. And I laff at those that think I am irresponsible or describing me as a terrorist! For they laid the groundwork of preying puppets.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Not around me.
Or around many others. But, it appears I am a bizarre or frightening aberration that needs strangling, irrespective of manifestation with some posters; there is good news, too: I have very thick skin. And as always, it is a fine evening to see you in a positive mood.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
You can be a dick but that comes with the...equipment. I've had a few positive things happen over the last few days. Found out I'll be getting a new job. My mom and I belong to the same sorority. Sacramento City Counsel (sorority) puts on a Preferential Tea every year and mom and I went together this year. Had a chapter meeting tonight. I joined a new chapter this year and I am really enjoying my sisters. Older gals but much more fun and active than my last chapter. After a few years of very hard times emotionally it is a welcome relief. Ok I know that is more than you wanted to know.
Congratulations!
Not true at all. Truth and personal capabilities to discuss the world around us attracts me akin to a mosquito at night with the obvious presence of luminescence. Your personal details about yourself are not even considered or for that matter nor are anyone's ... your concepts about the world around us make my day that create an understanding about the framework of discussion that others really care about learning from others irrespective of the personal perspective each and everyone of hold. I regard you as a true friend .... not because of gender or background but that you hold or otherwise capture my attention with respect and technical capability to articulate another idea or perspective with fair language to ensure that a thoughtful process has occurred in your own way and on your own time without mimicking some sort of echo chamber created by anything I despise as unauthentic in nature. Thanks.
“Gold is the money of kings; silver is the money of gentlemen; barter is the money of peasants; but debt is the money of slaves.”
Thank you.
Egads, get a room already. :P
Hahahahaha ... Esso, you so express my inner thoughts ... and I regard you as a truth teller ... but you capture and hold my attention with your razor sharp observations AND WIT !!!
Doing what's right isn't always easy but it's always right.
I was just thinking, what if Esso died today and I never told him how much I loved his posts?
Money problems do not come from a lack of money, but from living an excessive, unrealistic lifestyle
God forbid !!!
Doing what's right isn't always easy but it's always right.
God forbid !!! I was just thinking, what if Esso died today and I never told him how much I loved his posts? God forbid !!! Esso is just another no count hill billy.
Hoosier hick hayseed to you mister. The nearest thing resembling a hill is probably 150 miles away, if you don't count the speedbumps in Lowe's parking lot.
I see the sun between eleven and two, if it is not overcast and raining.
Sometimes we get so absorbed contemplating the tragic reductions in Citibank profits and the associated devastation in 5th avenue boutique retail business and luxury automobiles that we forget about what is really unimportant. Like little nobodies from Indiana.
Money problems do not come from a lack of money, but from living an excessive, unrealistic lifestyle
Dont let on but I keep Essos name on my good guy list.
mums the word.
Money problems do not come from a lack of money, but from living an excessive, unrealistic lifestyle
laughing....
Me too ... though I've UPGRADED to Texan !
Doing what's right isn't always easy but it's always right.
#2. To: All (#0)
Kraft secures $9.2 billion of Cadbury financing: filing Mon Nov 9, 2009 1:05pm EST
#3. To: buckeroo (#0)
#4. To: buckeroo (#2)
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#5. To: Samuel Gray (#1)
Former Citibank CEO John Reed: I’m sorry for my rold in building Citigroup
#6. To: buckeroo (#0)
#7. To: Jethro Tull (#6)
Our goal will be to have two cards for convenience, and go back to cash for as much as possible.
#8. To: Jethro Tull (#6)
#9. To: farmfriend (#4)
So Kraft is taking over Cadbury. Interesting.
#10. To: Jethro Tull (#6)
n 790 FICO and JC Penney just notified her that her new interest rate would be 23.99%, up from 12.99%.
#11. To: buckeroo (#9)
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#12. To: Jethro Tull (#6)
Anyway, she told them to shove their credit.
#13. To: tom007 (#8)
#14. To: buckeroo (#0)
I am afraid, that credit consumerism in America is all but over, even for the most responsible of us.
#15. To: buckeroo (#0)
(Edited)
#16. To: buckeroo (#0)
#17. To: farmfriend (#11)
Yes that was the purpose behind your posts.
#18. To: buckeroo, all (#5)
#19. To: Jethro Tull (#6)
Our goal will be to have two cards for convenience, and go back to cash as our first line of payment.
#20. To: Hayek Fan (#15)
#21. To: Lod (#20)
Be very careful with the debit cards.
#22. To: Hayek Fan, buckeroo (#15)
Yet, sometimes I can not use my bank debit card at local restaurants and businesses without fees or outright decline.
#23. To: buckeroo (#0)
#24. To: All (#0)
#25. To: Hayek Fan (#15)
"Now if I need plastic I use my debit card."
#26. To: Hayek Fan (#21)
#27. To: tom007 (#22)
"We get nicked 3.53% on a average cc use - that is substantial, esp on a pack of cigs where our margin is 17% or so. Off hand I guess we pay the CC companies $1,900/year on a guesstamated $330,000 revenue."
#28. To: scrapper2 (#14)
"Credit card firms hurry to raise rates: Some top 30% as new rules loom" 11/06/09
#29. To: Big Meanie (#27)
#30. To: Hayek Fan (#15)
We closed all of our credit card accounts a month or so ago for the exact same reason.
#31. To: buckeroo (#0)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams 
#32. To: Big Meanie (#16)
Now I pay 3.64% on the equityline.
#33. To: Eric Stratton (#23)
If you have an existing card, I'm pretty sure that you can reject those changes. They usually send out a "change" notice and in it is almost always (never say never/always) instructions for refusing the changes.
#34. To: buckeroo (#30)
I need a few charge accounts with recognizable signatures for business transactions however and otherwise.
#35. To: Big Meanie (#25)
I think if you use your credit card and pay it off every month you won't pay any interest,
#36. To: Lod (#18)
... it's much easier to write the check in round numbers these days.
#37. To: buckeroo (#33)
#38. To: buckeroo. all (#36)
... it's much easier to write the check in round numbers these days.
#39. To: tom007 (#22)
buckeroo: Yet, sometimes I can not use my bank debit card at local restaurants and businesses without fees or outright decline.
#40. To: Eric Stratton, buckeroo (#23)
If you have an existing card, I'm pretty sure that you can reject those changes. They usually send out a "change" notice and in it is almost always (never say never/always) instructions for refusing the changes.
#41. To: buckeroo, All (#39)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams
#42. To: buckeroo (#39)
Local businesses don't want to pay the 3% overhead anymore.
#43. To: Rotara (#41)
Can you still buy a GUN with a credit card these days ?
#44. To: Lod (#38)
I just have several checking accounts with usaa.com to pay the bills
#45. To: Rotara (#41)
Can you still buy a GUN with a credit card these days ?
#46. To: Lod (#43)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams
#47. To: fred mertz (#45)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams
#48. To: Rotara (#47)
#49. To: fred mertz (#48)
"If you love wealth more than liberty, the tranquility of servitude better than the animating contest of freedom, depart from us in peace. We ask not your counsel nor your arms. Crouch down and lick the hand that feeds you. May your chains rest lightly upon you and may posterity forget that you were our countrymen.”—Samuel Adams
#50. To: Hayek Fan (#15)
We closed all of our credit card accounts a month or so ago for the exact same reason. My parting comments to them was "fuck you very much." childish yes but it pissed me off that they would dick me like that after 20 years of being a responsible customer. Now if I need plastic I use my debit card.
#51. To: buckeroo (#17)
You are amazing in both thought and discovery. You seem to know what I do even though I act innocently while conveying a serious message.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#52. To: farmfriend (#51)
#53. To: buckeroo (#52)
I am impressed that you seem to know me so well.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#54. To: Lod (#42)
#55. To: scrapper2 (#40)
#56. To: farmfriend (#53)
See how sweet you are?
#57. To: buckeroo (#56)
Actually, I am a mean and rotten sort of derelict incapable of reason and civilized behaviour.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#58. To: farmfriend (#57)
#59. To: buckeroo (#58)
But, it appears I am a bizarre or frightening aberration that needs strangling,
And as always, it is a fine evening to see you in a positive mood.
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#60. To: farmfriend (#59)
Found out I'll be getting a new job.
#61. To: farmfriend (#59)
Ok I know that is more than you wanted to know.
#62. To: scrapper2 (#60)
Congratulations!
"Greenhouse gases do not act as a blanket around the earth and they do not keep the atmosphere warm. ... greenhouse gases emit more radiation than they absorb and this ongoing radiation loss tends to cool the atmosphere at between 1C and 2C per day, a fact known for more than 50 years. And yet we continue to get the simplistic explanation that greenhouse gases warm the atmosphere and so more greenhouse gases will warm the atmosphere more. No wonder the public is taken in!" --William Kininmonth, meteorologist , 1791
#63. To: buckeroo, farmfriend (#61)
I regard you as a true friend .... not because of gender or background but that you hold or otherwise capture my attention with respect and technical capability to articulate another idea or perspective with fair language to ensure that a thoughtful process has occurred in your own way and on your own time without mimicking some sort of echo chamber created by anything I despise as unauthentic in nature.
Mike Flaherty: Yeah, it's been there a long time. I wish I knew which corner.
My Man Godfrey (1936)
#64. To: Esso (#63)
Egads, get a room already. :P
#65. To: noone222, Esso (#64)
#66. To: purpleman (#65)
I was just thinking, what if Esso died today and I never told him how much I loved his posts?
#67. To: noone222, purpleman (#66)
I was just thinking, what if Esso died today and I never told him how much I loved his posts?
#68. To: Cynicom (#67)
Esso is just another no count hill billy.
Mike Flaherty: Yeah, it's been there a long time. I wish I knew which corner.
My Man Godfrey (1936)
#69. To: Esso (#68)
#70. To: Cynicom (#67)
Esso is just another no count hill billy.
#71. To: purpleman, Esso (#70)
Like little nobodies from Indiana.
#72. To: Cynicom (#71)
#73. To: Esso (#68)
if you don't count the speedbumps in Lowe's parking lot.
#74. To: Esso (#68)
Hoosier hick hayseed to you mister.
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