Hye everyone. How are you all today
I got the tires 123 dollars including tax and labor. Nice qquality tires to.
I Applied for a credit card today at the bank. Just to get myself some credit and a credit score. Also found out, I'm not doing horrible on my finances compared to people my age with the same income. So that was a nice mood boost.
Eating lunch now, and I think I might call it a day, and just relax while picking out my photos for next week's slideshow
(My Model Railroad, My Rules)
These are the opinions of an under 35 , from the east end of, and modeling, the same section of the Wheeling and Lake Erie railway. As well as a freelanced road (Austinville and Dynamite City railroad).
Mornin'!
Zoe..... Zoe....... Hello! Zoe? Oh there you are. Where is everyone? Been a bit slow here in the diner lately. Anyway, I'll have a bowl of organic granola cereal with fresh blueberries and a pot of Seneca Lake Blend Dark Roast coffee for my R&GV RR Mug please and thank you Ma'am!
Ah, I see Garry is in the back booth. I'll go join him for a while....
Yesterday was a long and very busy day... I did finish staiuning the fence between my back yard and the neighbors. That took about 3 hours to finish up. Then I had to clean off the dining room table so several adult Scouters and a neighborhood kid who is trying to get his Eagle project up and running could have a meeting to help him jump start the project. He has about 3 months to finish up the project in time before he turns 18.
He had a project approved by the council but he called several times to get in touch with the people who needed to get him access to a park to do a rebuild of a footbridge which was the major part of his project. His calls and emails were never returned, so he gave up on that. The other idea for his project is to rebuild several old benches and do some groundswork for a small park at his church. So he is now starting all over and we hope will get this one approved by the council and can get it done before his 18th birthday. That took most of the evening with the meeting to make sure he knows what he has to do and in what order to get this done. He is handicapped but is not classified with the designation where he could get an exptension on finishing the project. The meeting with him was with both Commissioners for his unit and the Scouting Rep from his church. The 3 of us will make sure there are no problems for him getting this done, but made it clear that as per the rules, he has to get it done!
Today I finally get the new crown for the tooth that got the root canal back last month. It will be nice to be able to chew on both sides of my mouth again!
This coming weekend is Diesel Days out at the museum. We will have our LV #211 (Alco RS3m) and LA&L #20 (Alco RS1) up and running for motive power. LA&L #20 was started up for the first time iun over 10 years last Saturday. It will be great to have both of them pulling trains for us!
Have not heard anything from my sister (or her family) yet in Florida. Very likely that power is out where theyv are and may continue to be out for some time yet.
Have a great day out there!
73
Ray Seneca Lake, Ontario, and Western R.R. (S.L.O.&W.) in HO
We'll get there sooner or later!
And my credit card application got denied.....
Morning diners,
I got a little carried away with tank cars. I bought 3. Mississippi Chemical Corporation, Archor, and Tank Gas Corporation. I couldn't find any information about about tank gas tankers.
Now I have a nice fleet of 5 different 11,000 gallon tank cars for 1948-1953. It's nice to have prototypical pictures and the number when they were photographed.
Amtrak America, 1971-Present.
Watching a youtube channel called railstream. This weeks' Free Trial is Berea, OH
I can't see paying $100 to go video railfaning. I used to travel all around Baltimore, sometimes at night, with my camera. I remember stopping at an interlocking tower. A couple drove up and walked up the stairs. I followed and there were a half dozen rail fans shooting the breeze with the operator.
Too many car jackings these days and operators in towers are long gone.
Henry
COB Potomac & Northern
Shenandoah Valley
Afteroon Diners
Flo, Ed, Jan, Gary, Inch, Brent and I will have a please.
Nothing reall to report today. Did some running, bought some food for the wife, bought Rocket Dog (Sparkie) or as I like to call him the Money Pit while at the vet. Still drives me nuts that a 17 pound dog cost me more to feed than feed a Irish Wolfhound that was 185 pounds? He is worth every penny, but I am sure you know what I mean.
Ed Do you think the QSI speed read out is correct? When the read out is 22 MPH seems to be hauling caboose.
Radius question? I am thinking about removing a 1/4 turn of 18" radius track for a 1/4 turn 22" section. Problem is I have about 4 turnouts in that area. I know a 22" full circle is 4" larger than a 18" full circle. So if I add only a 1/4 turn section I should only have to move the rest of the track 1 inch? That may be doable.
Off to Hot Rod Drag Week!
Ken
I hate Rust
Bad day on Facebook for me. An Internet friend, I have "known" for years doesn't believe the 911 happened at the Pentagon. I know someone who saw the plane hit, so it's not even a question for me. I amazed educated people believe this garbage.
Then a school mate, junior, senior high and college recently reconnected of Facebook. He looks a bit like Steve Martin now, but back then he had the most amazing rust colored hair.
He mentioned he celebrated his wifes' birthday by "drinking too much, as usual." I commented that is tougher to do at our age. He came back with "I've been playing Blackout for 40 years"
It broke my heart. I can still smell the patients I had that died from liver failure. It is a very pungent smell coming from their breath and we actually measure serum ammonia. There is more ways to die than that from alcohol, some even worse, but some things I never talk about.
And then I watched Jim Cramer on CNBC. He talked about Hermes ties costing $200. Noooo. In my daddy's store we had a big tie rack of $1.50-2.50 ties and a smaller rack of $3.00-$5.00 ties. He is right, you can spend north of $150.00 on a stinkin' tie.
This may not be a bad thing. I had credit cards for years, but never carried a balance on them so I was a rare bird.
I pay cash for everything now, my cars are paid for, my house is paid for, I have no debt, because I stayed off the cards.( and no I am not that old) If you spend less than you earn and save up for things, you can pay for them out right.
we have debit cards for use when we need to buy something on line or wherever.
About 20 years ago, I got let go from my job suddenly. The bank account got pretty low at that point ( less than $300). I found another job and we started saving. w paid off our cars, we bought a house, we paid off the house. Since then I have been paying myself the payments that would have gone the bank or cards, or car payments. I now have over a year's salary in the bank and a pretty substantial retirment accounts. 7 years ago the company I woked for ran out of money and shut down. I was off work for 3 months, did I worry? nope, had a year's worth of savings.
So don't look at the denial as a bad thing.
Evenin' Folks!
Janie, just a cup of decaf for me right now. I'll be heading for bed very soon.
Henry, "People generally see what they look for and hear what they listen for." - Harper Lee. I know way too many people who are looking for conspiracies in the most rediculous places......
moelarrycurly4I pay cash for everything now, my cars are paid for, my house is paid for, I have no debt, because I stayed off the cards.( and no I am not that old) If you spend less than you earn and save up for things, you can pay for them out right.
Nice if you can! I refuse to take out any loans at this point in my life. Only exception would be if it was life or death, I guess. I do use a Credit Card, but from the Credit Union which if I pay it off every month has 0% interest. That makes it the same as a debit card, but it won't overdraw and cause a fee in my checking account (Don't Ask!!!). It is rather nice to write a check for a brand new car or pay the cost of $7,400 worth of new hearing aids by writing a personal check. I consider myself very lucky to be in a position where I can do that. Most (or at least many) can't do that and pay interest for everyday items. On the other hand a lot of people pay out a lot of interest just to get all the crap that advertising tells them they can't possibly live without (that new technology toy to use while you are driving your car or talk on while other people are next to you trying to have you in a conversation or that 40' wide new TV so you can watch crap, etc. on the 8000 channels you can get for a price..... LOL). For the most part, if I can't pay cash, I don't need it!
Vee grow too soon olt und to late schmart! As they say.
Got my new Crown today. So far it hasn't fallen out! Better not!
Be blessed and have a great night out there!
Good evening ...
Henry .... I would lso not buy a $200 tie. ...
Jimmy ... Sorry you were turned down about the credit card application. You have some good advice from Moe Larry Curly and from Ray regarding credit. However, you are still very young. Some day, you may wish to own your own home. Unless you suddenly strike it rich, you will then need a mortgage. That means you should build a solid credit history to qualify. So, you may wish to talk to a bank about what you need to do to get qualified for a credit card. A good bank will work with you.
Ray, and MLC do have good points regarding debt. Each of us should strive to save our money and invest it wisely. ... The compound effect of interest will work in our favor if we have savings and investments. Our savings will grow. .... On the other hand, the compound effect of interest on debt will work against us. The debt will grow.
I did work on the layout today. I have an empty corner to fill with tracks, structures, and scenery. Should be fun.
GARRY
HEARTLAND DIVISION, CB&Q RR
EVERYWHERE LOST; WE HUSTLE OUR CABOOSE FOR YOU
Jimmy_BraumAnd my credit card application got denied.....
Too bad Jimmy, but there are lots of other companies out there to approach. The suggestion that you ask what you need to do to get approval is excellent. Go right back to the bank that rejected you and ask them for advice.
I convinced my son to get a credit card just after he got his first job, and I told him to use it! Just don't go nuts. Set up a budget so you know what you can afford to spend. Try to avoid spending every cent in your budget, and put what's left over in the bank. Better still, build a savings plan into your budget.
One thing that is crucial to establishing your AA credit rating is that you must absolutely make sure that you pay off the whole balance every month! If you carry a balance not only will it cost you, but you will be telling future creditors that you can't live within your means. Even if you only put $10 on the card in a month, pay the thing off!!! Don't let it slide.
Dave
I'm just a dude with a bad back having a lot of fun with model trains, and finally building a layout!
On the club front, I officially made my candidacy for a position on the club executive known on Tuesday night. (Some of you will have seen this in another thread.) Two of us are putting our names forward as a team. We will accept two positions or none, President and Vice President. Neither of us wants to take the task on alone.
The club needs some guidance to deal with current affairs and it needs some creativity to keep current members interested and to attract new members. Some of the things we want to do include:
- Ensuring that all the details related to setting up and running the club's February Show and Sale are being taken care of. Right now the show organization is a little on the loose side. We depend on the revenues from the show for our club's survival.
- Setting up a recruiting booth at our next show to make sure people know what we are about and that we are open to new members.
- Approaching the local Historical Society to see if they would be interested in setting up a display at our show detailing the history of railroading in Simcoe County.
- We also want to set up workshops for our members to teach various modelling skills. For example, we are a DCC club but some members don't have any DCC experience. Many members have never installed LEDs. Many members have a wealth of knowledge to share so we hope to take advantage of that.
- There are some more formal (and less entertaining) tasks that need to be addressed such as a review of the club's bylaws, making sure we are in compliance with appropriate legislation, and setting up a written record of all motions passed by the members.
- Improving communication between club members in general.
There are a few other goals but I won't bore you with the details.
Wish me luck! The election is on October 10th.
Pretty much my only option is getting a secured card with a deposit. So it's gonna be awhile before I can try again. I tried for a mastercard from keybank. I always have lived within my means using a debit card or cash, so that explains why I have no rating. So I gotta set aside some money every paycheck to get one
On the subject of credit cards, I was bought up to work hard and to only buy what you had saved for, so it was pretty satisfying to be able to walk in and buy a brand new motorbike with cash, when I was 18. That said when I got married 15 years later, I had no credit rating and so could not apply to the banks for a mortgage to buy a house. What her-in-doors and I did was to buy a new refrigerator/freezer on hire purchase (is it called an Instalment Plan in the US?) even though we had the cash and by the time we’d paid it off, we had established a credit rating and the rest is history. (we both hated paying the hire purchase interest!!)
hon30critterWish me luck!
Cheers, the Bear.
"One difference between pessimists and optimists is that while pessimists are more often right, optimists have far more fun."
Good Morning,
When I bought my first new car the salesman tried to talk me into not putting as much down on it. I told him no that I was not going to pay them interest on money I had to buy the car.
yeah it is hard to buy a house without a mortgage but I have seen some people do it.
Just be careful with "what is in your wallet"
I always answer that question with the word "CASH!"
Not much else going on today so far, another day at w*rk. atleast it has calmed down.
Good morning all.
Zoe - A nice breakfast platter, with scrambled eggs, breakfast potatoes, bacon, a couple of flapjacks, and whole wheat toast please, along with a tall OJ. Thanks.
Jimmy - I wouldn't stress too much about the credit card. It took me a while before I could get my first one as well. When I w*^ked for a large, well known retailer, who shall remain unnamed, I couldn't even get one of their branded credit cards. Went for the first 3 years in their employment before even they approved me a card. (I have you by a few years, but I'm still a youngin' compared to a lot in this hobby at 31.) Once I got them as a card, I would use it to buy lunch, gas, etc... And turn around and pay it right back off. Now, 10 years later, I have a very good credit score. No-one hesitates to give me credit anywhere. (I do it for the places that run the special "you get X off by using our card" deals.)
And my first car - a Chevy Cavalier - was paid directly by check, no credit required. (Biggest check I have ever written, but it felt great to walk in with that and leave fully owning my car!) My current car was a small loan, but was paid off by my "severance package" from said unnamed retailer two years back. (Pay them $899 a year to "keep" my 401k active? Or, pay a one time fee of $550 and get a check for enough to pay off my car, insurance for 6 months, and have enough to live off of while I found my next job.... Yep. I chose the latter of the two. - No, I'm not saying don't save up for the future, but I am saying that if something happens, don't be afraid to use said savings.)
(Current employer has no 401k options.)
Weather - Warmer days, cool at night. Just the way it should be. Now, if only this rain would leave, it would be perfect!
W*^k - For the foreseeable future, I will be busy. Starting Saturday I will be on a new rotation with my manager, working all 7 days a week, until someone gets hired on. While I dislike the idea of 0 days off, I don't mind the overtime pay. Esp. when it is temporary. (That will pay off my car repair bill on my one card. So yes, cards do come in handy at times... Just be careful about what ones you have, and use.) But, that is what happens when someone gives a ~1 week notice in place of 2. (You are correct, neither of us are happy with that move, but it fits the latest style of said individual. I'm actually surprised he didn't just up and walk out and not come back... He has had a issue with the "new" {Aug. 1 2016} owner, that makes 0 sense to anyone else.)
Trains - Real - I got (finally) a part to link a couple flash kits together, and went for a night-time photo test on Monday night after returning from Cleveland. The first shot was great, the second one one radio receiver had dropped off, maybe interference related, as further tests got it linked back up. I will have to post, once they are off my camera, when I get the chance. (Although I missed the Amtrak loco being shuttled by the freight train, due to the un-linking issue...)
Trains - Models - I am working on little projects, but no real progress as the house hunt is on. (Mainline loop runs, that's all I have back in, other than the yard tracks that were not yet pulled up.) We may have found one, but are still going over details....
Hope all are well, and all enjoy the day!
Ricky W.
HO scale Proto-freelancer.
My Railroad rules:
1: It's my railroad, my rules.
2: It's for having fun and enjoyment.
3: Any objections, consult above rules.
Jimmy- I don't know a credit card either. Maybe one day but not now.
This Saturday will start layout construction (I hope). If everything goes to plan like every weekend my brother will be with his girlfriend. And hopefully my sister take my brother's bed to sleep. ALL IFS
I will start by just gluing more foam to the layout to model a medium hill to support the backdrop. And to realize why there's only one roadway. One smallish hill by the curve for added scenery beyond the tracks.
Mail is finally getting back to normal. Just got the issue of MR with Ray's article. Great job, Ray. I loved that you mentioned that you had to cast 15 wall sections to get the 8 that you needed, a slice of real life!
I also enjoyed the Paul Dolkos's street/industrial layout. Very nicely done.
Now that I joined IMGUR, I started a thread on the layout I am building for Mr. Mac. He is an 86 year young friend who loves trains. His late brother was the president of the A&NR RR in East Texas. We (arjay1969 and I) are building a 5 x 9 sectional layout for him loosely based on the A&NR. I have chronicled the build from the building, so eventually, I will have start to finish pictures posted.
Good morning from the sunny as usual West Coast of America, the Northern part, just above the 49th.
Yesterday I took the trailer about an hour East and set it up at the four-day dog show for the wife. It is her 56 birthday tomorrow but we will have the bash out at the RVs on Saturday. A lot of our friends will be out there entered in the show as well, so it should be a good crowd. I have mentioned before she is a dead ringer for Meryl Streep, so much so we have been stopped out in public and especially at airports by people thinking she was. I just looked on IMDB to see what Meryl looked like in the year 2000 when she was 56 and yup that's her.
I remembered I had to take out a $2000.00 loan and pay it back two weeks later just to get a credit card back in 1975. I think the banks do that on purpose just to get more money out of you. I got my first credit card in 1975 and have never not paid the whole thing off every month.
They say you should have three months backup in the bank just in case, and we do. If a hot water tank blows or another expense comes along that is a little more than what is considered normal it is easily covered. We then allow no luxury purchases until we are back to our three months back up. We also keep a $1000.00 cash at home in case an earthquake or bad storm hits and you can only pay with cash. That has happened to us, there was no power for several days after a big storm, however, food at Safeway and Diesel for the truck were easily purchased.
I gave the kids credit cards a year ago (they were 14 &17) so they can buy things they need. It is a real convenience when they can go to the Dentist or buy school supplies on their own and we don't need to be there to pay. Also, they have gone off on flights to school competitions and/or hockey tournaments on their own and I wanted them to be able to buy a plane ticket home in case something happened. Not once has there been something on the card that shouldn't have been there.
We use our credit card for everything and the points we get pays for our 4 airline tickets and rental car every time we go to Hawaii.
It is really strange what people consider a necessity and are willing to go into debt over.
Speaking of being prepared I just changed out our emergency water supply. I do that twice a year, we have 200 Ltrs in case of Earthquake. Our water main blew a few years back and it took a day for the city to get it fixed as it was a bad break. Our neighbours had to go out at the crack of dawn and drive miles to the store and buy water, not us. Of course, I am the guy that turns on my Christmas lights when the power goes out around Christmas time, just to remind my neighbours they should be more prepared. We also have a good supply of freeze dried food that last twenty years. We just changed that out as well.
Time to go ride the Deere around, I usually like to do that when I need some me time, however, with one kid in Ottawa and the other in school and the wife at the dog show, the house feels like a Starship with its Mr. Spock gone.
Brent
"All of the world's problems are the result of the difference between how we think and how the world works."
Afternoon all.
I see we are still on the craziness of page 5. Let's see if some pictures will fix that...
I mentioned I had tested a new flash kit out... Here are the results...
CSX 3142 by Richard Woodworth, on Flickr" alt="CSX 3142" width="600" height="400" />
CSX 3248 by Richard Woodworth, on Flickr" alt="CSX 3248" width="600" height="400" />
Think it works!
Trains ya want, trains I got. I took this on a sunny day. I have plenty, but this is my favourite.
Let's see your Favourite prototype photo that you took yourself diners.
Okay, I'll add one more.
This one I call
"My diesel is bigger than your diesel"
I felt so inferior all day after that.
Afternoon Diners,
Brent- I wished I could post my favorite railroad, but my problem isn't fixed yet.
Has your kids ranked up a huge debt on their cards?
Today has been a long boring thrusday. Charles wanted to go outside 5-6 times another an hour. The last time we wanted to come in soaking wet so I had to get towel to dry him.
This might be a good day to build my bridge.
Evening Diners
Flo, Ed, Gary, Big Daddy, Brent, Jan, Tin Can and I will have a cold in a frosted mug please.
Jimmy Join Credit Karma and that will help you a lot. Besides telling you your credit score, they will make recommendation's on cards and rate your appoval odds.
VA Health Front. I was a little disappointed. By the VA scales in the last 20 days I have lost only 3 ozs weight wise. But still losing and my goal was to be under 270 and I am.
A1C Drum Roll please. My test before this one I was at 8.7! Today I was stunned! My A1C was 5.5!!!!!!!!!!!!!!!!!!!!!!!!!!!!! Here I was hoping for in the 6.5 range. Now if I can just keep it up for the rest of my life. Had my Doctors Boss come and and she shaked hands with me 3 times! They where shoocked by my weight loss, I was 284 the last time by there records. (Last time I was there getting my weight checked was not part of the check in, I did it on my own so no record)
Off to Hot Rod Drag Week.
Ken with a good A1C again.
Hey all.
Ill look into credit Karma .
the past 24 hours have been less than wonderful, but I'm posting in here. So that's that positive.
To keep the favorite prototype photo going, here we go.
cudakenI was a little disappointed. By the VA scales in the 20 days I have only 3 ozs weight wise
Jimmy_BraumPretty much my only option is getting a secured card with a deposit. So it's gonna be awhile before I can try again. I tried for a mastercard from keybank. I always have lived within my means using a debit card or cash, so that explains why I have no rating. So I gotta set aside some money every paycheck to get one
Be patient Jimmy. You'll get there.
hon30critter Wish me luck! As current Club Captain at the local Club, I’m not sure if by “wishing me luck” you want to be elected or not, Dave!!
Stop trying to burst my bubble!
Seriously, I have thought long and hard about taking on the task. I am very (read "too") sensitive to criticism and I have a problem with seeing innocent comments as being negative. Witness my recent question asking maxman if he was mocking me. I'll have to learn to do better. Ultimately my goal is to improve the club. "Damn the torpedos!"
Good Morning!
Well, look who´s here! The prodigal son is back! Not really, just a short stopover. I am still battling a number of health issues and others, which keep me from being back into a normal life. Until they are resolved, I have to run in a "protected" mode one could say, if I were a Windows computer.
I just received my October copy of MR and, hey, there is a great article in about a familiar looking octagonal structure, excellently written by a guy with a name which is also familiar to me. Congratulations, Ray!
Other than running the occasional train over my layout, I did a few jobs on it, the most noticeable being the painting of the backdrop. Although the job was done in a rather crude fashion, it did transform the look of the layout to the better. Just a couple of pics to show off a litttle
I also reworked the platform at the train station. My Preiser folks now don´t need to wade through the ballast to reach the train. Proper safety markings have also been made, using self-adhesive 1mm tape.
I have to say that this job was challenging - my right hand is already too shaky to get those lines fairly straight over a longer strtch. My attempt to do the road marking failed.
That´s all from this end. It´s fairly cold outside - and also inside, as our heater is not working properly. Our landlord needs to have a nerw heater installed, but I am afraid we will have to live with the cold for a while.
Back into hibernating or "protected" mode!
Blessings to all of you!
Outstanding job, Ulrich!
Wonderful to hear from you again
You and Petra are frequently in my thoughts. I do hope you find some peace and solace soon...
Brent requested some favorite photos...
Here's one of mine taken in 1970 as we roll east through Ohio, aboard a special excursion and pass the westbound No. 27, what's left of the Century's run. I always enjoyed seeing a member of the dining car crew "Lookin' em' over".
Note that I'm on heavyweight equipment and we have kerosene markers displayed
Welcome to the world of Catch 22, Jimmy. "Experience required" but if you don't hire me how do I get experience??
Can't get credit because you don't have a credit history. "How will I ever have a credit history if you don't give me credit?"
Both my sons went through a similar situation. I suggested they stop in to a larger chain-type furniture store and buy something relatively inexpensive, say $200-or-so on credit. The furniture store was willing to sign them up, so they could get the sale and the creditapplication put them on the radar.
If I recall, the balance was paid-off within the six-months or whatever and the interest was deducted.
Maybe something like this could help you out? Just a suggestion... Of course, maybe today, things are different.
Regards, Ed
Hey Ulrich!!!
Glad to see you posting again! Your work on the layout is excellent as usual.
Cheers my friend!