#garfield Logs

May 31 2019

03:13 AM rue_bed: srry
03:18 AM rue_bed: got home, vistors, sleep, supper, bed
03:18 AM rue_bed: http://ruemohr.org/%7Eircjunk/projects/cnc4/p1120493.jpg
03:18 AM rue_bed: I got the dual belt put on the cnc, if one gives, I wont lose the bit and the project.
05:07 AM Tom_L: good idea
05:11 AM Tom_L: timing belts are even better for no slip applications like tapping etc
08:50 PM Tom_L: rue_mohr, ever run lbuntu?
09:46 PM Tom_L: rue_mohr, you should really check in your little channel once in a while
09:47 PM Tom_L: been way over the alotted wait time...
10:26 PM zhanx: Tom_L, i have
10:26 PM zhanx: lubuntu
11:01 PM Tom_L: building a kernel for it
11:01 PM Tom_L: should have done it on a faster pc for sure
11:01 PM Tom_L: probably run all night i'm guessing
11:06 PM zhanx: takes a bit
11:07 PM Tom_L: on a d525 it will for sure
11:07 PM Tom_L: i wasn't thinking or i'd have run it from the main pc then moved it
11:07 PM zhanx: let it run now
11:07 PM Tom_L: i am
11:08 PM zhanx: so the bank wants an asset list
11:08 PM zhanx: for my line of credit
11:08 PM Tom_L: yeah
11:08 PM Tom_L: i did that for a while
11:09 PM Tom_L: well for tax purposes i think
11:09 PM zhanx: so that is normal?
11:09 PM Tom_L: don't list anything you want to keep in a default :)
11:09 PM zhanx: noted
11:09 PM zhanx: hey that is why i ask
11:09 PM Tom_L: just like any colateral
11:10 PM Tom_L: you need something of value for better credit
11:10 PM zhanx: i have 20 grand in tools etc
11:11 PM zhanx: found out my credit score is only a 698
11:11 PM zhanx: which sucks
11:11 PM Tom_L: sometimes just not using it makes it go down
11:11 PM Tom_L: iirc mine's around 800 something
11:11 PM Tom_L: i never look
11:12 PM zhanx: 750 is the range i need to be in
11:12 PM Tom_L: it takes a bit to get it established good
11:13 PM zhanx: something else i need to learn
11:13 PM Tom_L: any time someone checks it, it takes a hit too
11:13 PM Tom_L: dunno why that is but it does
11:13 PM zhanx: one ding on it was my kids last year used an account i never use to buy game credits
11:14 PM Tom_L: she has an app on her phone and checks it but i never do
11:14 PM zhanx: i paid that off today 293 dollars
11:14 PM Tom_L: it will go up some
11:14 PM zhanx: damn micro purchases
11:14 PM zhanx: that was the only owned out thing i had
11:14 PM zhanx: but it was a year late
11:16 PM zhanx: if i would have know about it, it could have been take care off etc...
11:17 PM zhanx: really i do car loans and nothing else minus the gas card i have
11:19 PM Tom_L: you just need to establish yourself a little more
11:20 PM Tom_L: put a few things on the card but plan to pay them off
11:20 PM Tom_L: i'm not encouraging cc debt but it will bring your score up
11:20 PM zhanx: what card? do i need a credit card?
11:21 PM Tom_L: it would help your score in the end
11:21 PM Tom_L: to have good credit you need to use it
11:21 PM zhanx: see i wish that was explained in plain english
11:21 PM Tom_L: just don't let it become a crutch
11:21 PM zhanx: i dont want one
11:22 PM zhanx: heck i dont want the gas card
11:30 PM Tom_L: credit scores are funny things
11:31 PM Tom_L: How is your credit score determined? Scores are determined by five different categories of information in your credit report. ... Your payment history accounts for about 35% of a credit score. Utilization, which is the balance-to-limit ratio on your credit cards, is the second most important criteria.
11:32 PM Tom_L: so use them but pay on time
11:32 PM Tom_L: non use will result in a lower score
11:33 PM Tom_L: Here are seven of the fastest ways to increase your credit score.
11:33 PM Tom_L: Clean up your credit report. ...
11:33 PM Tom_L: Pay down your balance. ...
11:33 PM Tom_L: Pay twice a month. ...
11:33 PM Tom_L: Increase your credit limit. ...
11:33 PM Tom_L: Open a new account. ...
11:33 PM Tom_L: Negotiate outstanding balances. ...
11:33 PM Tom_L: Become an authorized user.
11:35 PM Tom_L: https://thelendersnetwork.com/how-to-improve-credit-score-fast/
11:36 PM Tom_L: live like a fat lazy american and you'll be good to go :D