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post #30861 of 34711 Old 02-20-2019, 05:43 PM
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Originally Posted by nitrogen View Post
I'm fully aware that my business is not going to affect their bottom line one way or the other and yes I did insist on them closing the account as well. I just refuse to do business organizations that I have to force my money on. Now by Big City standards I live in a pretty small community of 5,000 or thereabouts. But it's still big enough when it comes to knowing people's names. When I walk into my local credit union I don't need a bank card to make a withdrawal I just tell them how much I want to take out of which account and they know who I am. Much nicer that dealing with the big Banks who make you stand in line for 30 minutes before you even get to a teller
I deal with a smaller bank too. Bank of the west. they treat me well. Chase was awful. Even as a private client, which there is no lines and you dont call 1-800 numbers for anything. You call your private banker in the local branch and they do everything you need. But it still sucked.
The ladies at my local BOW branch know me, they know my gf, they dont pull technicaltors and we are on a very friendly basis. I enjoy it. they even cut and signed a cashier's check a few years ago when I was in Florida and was trying to finalize a boat purchase when I bought my sanger. They held the paperwork and title for me until I got back, if I need something I send summer and she signs my name. Just good old small town stuff. Tjeres 12k people in my town

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post #30862 of 34711 Old 02-20-2019, 05:48 PM
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Little update also for anyone who might want a wifi garage opener.
I set up the range extender that was $15. I bought the range extender on the Amazon warehouse deal, as well as the Chamberlain myQ opener. Normally the opener is $79.99 and the range extender is $24.99
I paid $54, and $15. I love the warehouse deals btw, I take that option everytime there is one.
It works pretty decent with the range extender and it opened all the way from the street on my test run. still a little buggy though as your phone has to switch to the wifi network before itll activate obviously. So its still a little buggy and it would be better I'm sure if Google/ apple/Amazon produced it and would probably be more seamless. But none the less as you round the corner home it depends on how fast your phone switches and picks up the wifi network before you can open the door.
And closing seems to be the hard part. It beeps and flashes a light for 15-20sec that you cant deactivate so you have to sit and watch to make sure it closes because closing seems to be the error. So you cant close instantly and drive away like a normal opener when you see the door begin to shut.
So it's no where near perfect. But for a $70 investment I'll give it a shot being that new openers are about $30 a pop.

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64.7mm stg2 powermax
175/30 holders diesel injectors
WPE ported intake manifold
Airdog 165 4G
Beans sump
O-ringed UCF heads
H-11 headstuds
4" turbo back exhaust
Mishimoto intercooler/radiator/charge pipes
BPD 58v ficm
BPD HD cooler with filter relocation
7.3 fan clutch
Amsoil bypass
Leece-Neville 230a alternator
22x14 american force burnout
warren diesel trans
Yukon 4.56s and Truetrac
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post #30863 of 34711 Old 02-20-2019, 05:52 PM
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Quote:
Originally Posted by j.flow View Post
I deal with a smaller bank too. Bank of the west. they treat me well. Chase was awful. Even as a private client, which there is no lines and you dont call 1-800 numbers for anything. You call your private banker in the local branch and they do everything you need. But it still sucked.
The ladies at my local BOW branch know me, they know my gf, they dont pull technicaltors and we are on a very friendly basis. I enjoy it. they even cut and signed a cashier's check a few years ago when I was in Florida and was trying to finalize a boat purchase when I bought my sanger. They held the paperwork and title for me until I got back, if I need something I send summer and she signs my name. Just good old small town stuff. Tjeres 12k people in my town

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I was a customer of a big bank until I went to work at a small town bank... although I'm no longer a banker I'm 100% sold on keeping my money at a community bank/credit union. Customer service and personal touch is head and shoulders above what you get at a big bank.
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post #30864 of 34711 Old 02-20-2019, 06:34 PM
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Originally Posted by j.flow View Post
Good luck getting through life lol
I got thru life just fine for years without a credit card, I do use my Visa check card a lot. I finally broke down and got a credit card last summer when I started building my shop, pump house, and this wood boiler project. It let me get stuff when I needed it without worrying about balances & moving money around. Then just pay it off at the end of the month and use their money for free. I also saw on my last statement that I had $189 accumulated on cash back rewards. I called and had that transferred to my account. Now instead of a negative balance I have more of their free money.

Still when I'm done with my projects I'll go back to just the bank card. I'd rather not have any debt, it's too easy to buy stuff you should just pay cash for when you can afford it.

I do understand your case running a business needing credit, but way too many folks get themselves into financial trouble with the damn things.
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post #30865 of 34711 Old 02-20-2019, 06:36 PM
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Need credit cards nowadays for things like proving you are over 18 for porn sites, renting a car, paying your girlfriend who only accepts plastic, etc.

2007 F250 Crew Cab Lariat 4x4. Lots of upgrades, but not enough. It's tall, too tall. Yes, I'm obviously compensating for something.

UPGRADES:
EGR Delete, RedHead Steering Gear, Blue Spring Upgrade, ARP Studs, (Let's not mention this manufacturers name) Coolant Filter, (Let's not mention this manufacturers name) Blue Intercooler Pipe and Elbow Upgrade, Cold Air Intake, One-Up Offroad Traction Bars, XD Wheels and Nitto Ridge Grappler 37" Tires, LED Lights all around, 2013 Tailgate, 2008+ Power Mirrors, Pro-Comp XXX Dual Front Coilover Suspension, Custom Bedliner Sprayed Rocker Panels and Fender Flares, Amerihood Tpe E-Style Ram Air/Heat Extraction Hood, CompuStar Alarm with Remote Windows, Remote Start, and much more!
More upgrades to come, including Singer Alternator, and other engine upgrades.

NEW Custom Bumpers with Tire Carrier! Dual Winches!
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post #30866 of 34711 Old 02-20-2019, 06:45 PM
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Quote:
Originally Posted by SparkyF250 View Post
I got thru life just fine for years without a credit card, I do use my Visa check card a lot. I finally broke down and got a credit card last summer when I started building my shop, pump house, and this wood boiler project. It let me get stuff when I needed it without worrying about balances & moving money around. Then just pay it off at the end of the month and use their money for free. I also saw on my last statement that I had $189 accumulated on cash back rewards. I called and had that transferred to my account. Now instead of a negative balance I have more of their free money.



Still when I'm done with my projects I'll go back to just the bank card. I'd rather not have any debt, it's too easy to buy stuff you should just pay cash for when you can afford it.



I do understand your case running a business needing credit, but way too many folks get themselves into financial trouble with the damn things.
I've never paid a dime of interest, and I squawk about the annual fee on my southwest card and they waive it. They are paid off monthly in full. i have an 800 credit score, and have received thousands of dollars in freebies. Anytime I book a flight, free. Order on Amazon, free. Hotel or rental car, free.
Why would someone use cash these days? There is 0 reason.

I've been giving summer a crash course in credit the last year and a half. She loves checking her credit score and checking in with me now lol. We were in LA driving home from the hospital the other evening with her uncle and she asked him out of the blue, what's your credit score .

I gave her a cheat code though by adding her as a signer on my chase accounts, so she got a quick boost of nitrous in the score category to be able to get some good cards with higher limits quickly.


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64.7mm stg2 powermax
175/30 holders diesel injectors
WPE ported intake manifold
Airdog 165 4G
Beans sump
O-ringed UCF heads
H-11 headstuds
4" turbo back exhaust
Mishimoto intercooler/radiator/charge pipes
BPD 58v ficm
BPD HD cooler with filter relocation
7.3 fan clutch
Amsoil bypass
Leece-Neville 230a alternator
22x14 american force burnout
warren diesel trans
Yukon 4.56s and Truetrac
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post #30867 of 34711 Old 02-20-2019, 06:47 PM
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Originally Posted by -Falcon- View Post
Need credit cards nowadays for things like proving you are over 18 for porn sites, renting a car, paying your girlfriend who only accepts plastic, etc.
Leave my ex wife out of this!
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post #30868 of 34711 Old 02-20-2019, 07:20 PM
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When it comes to Small Town Credit Union, a few years back I blew the motor in my F350 about 10 hours from home. We had been cutting it sort of clothes and had enough money for fuel to get us home but then we were planning to sit quiet until the next payday. Now all of a sudden I had these extra expenses for tow trucks, getting it checked out at the shop, renting a vehicle to get home at cetera maybe having to tow it home or something. I called my banker and told him that we were in a bit of a bind. He says how much do you need, it will be in your account come in and sign the papers when you get home. On the other hand in 2005, we were dealing with the Bank of Montreal, I was off work due to a broken leg and had a cash flow issue with keeping the utilities paid up to date. I had an awesome benefit package through work that actually paid very well but getting the money through the benefit took an extra two weeks above and beyond normal pay date. When I contacted the bank and ask for help I was told they did not do loans under 5,000 and you don't qualify for that so tough s***. I looked her in the eye and I said as soon as I'm off these crutches and I can you people will not be my banker and never will be again
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post #30869 of 34711 Old 02-20-2019, 07:32 PM
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Quote:
Originally Posted by j.flow View Post
I've never paid a dime of interest, and I squawk about the annual fee on my southwest card and they waive it. They are paid off monthly in full. i have an 800 credit score, and have received thousands of dollars in freebies. Anytime I book a flight, free. Order on Amazon, free. Hotel or rental car, free.
Why would someone use cash these days? There is 0 reason.

I've been giving summer a crash course in credit the last year and a half. She loves checking her credit score and checking in with me now lol. We were in LA driving home from the hospital the other evening with her uncle and she asked him out of the blue, what's your credit score .

I gave her a cheat code though by adding her as a signer on my chase accounts, so she got a quick boost of nitrous in the score category to be able to get some good cards with higher limits quickly.

Like I said, your case is different. Most guys don't have the cash flow you have. If you can pay it each month so you don't pay interest it's a great way to operate. However many guys live paycheck to paycheck, and credit cards can really get them in trouble quick. Makes it to easy to buy things you can't afford, and once you have a balance the interest sucks even on a good card.
My credit score is 750, the only reason it isn't higher is not having a mortgage and not using any credit till I bought my tractor and the card I got last year. Strange system, you have to have credit to get credit.
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Fox 2.0s, Toyo ATs, CTS2 Pro, Blue Spring, BPD 7.3 Fan Clutch, IPR Coolant Filter

2000 F350 SCLB Dually 4x4, 7.3 6 Speed Hydra, CTS2, S&B Air, 4'' SS Diamond Eye

2005 Explorer XLT 4x4 Mountaineer,
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post #30870 of 34711 Old 02-20-2019, 07:34 PM
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I used to have credit cards and money........

That was before I bought a 6.0.
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2007 F250 Crew Cab Lariat 4x4. Lots of upgrades, but not enough. It's tall, too tall. Yes, I'm obviously compensating for something.

UPGRADES:
EGR Delete, RedHead Steering Gear, Blue Spring Upgrade, ARP Studs, (Let's not mention this manufacturers name) Coolant Filter, (Let's not mention this manufacturers name) Blue Intercooler Pipe and Elbow Upgrade, Cold Air Intake, One-Up Offroad Traction Bars, XD Wheels and Nitto Ridge Grappler 37" Tires, LED Lights all around, 2013 Tailgate, 2008+ Power Mirrors, Pro-Comp XXX Dual Front Coilover Suspension, Custom Bedliner Sprayed Rocker Panels and Fender Flares, Amerihood Tpe E-Style Ram Air/Heat Extraction Hood, CompuStar Alarm with Remote Windows, Remote Start, and much more!
More upgrades to come, including Singer Alternator, and other engine upgrades.

NEW Custom Bumpers with Tire Carrier! Dual Winches!
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