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Tom.W
Joined: 09 Mar 2006
Posts: 6635
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| Posted: Tue Aug 21, 2007 1:56 am Post subject: |
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| stefuel wrote: | Holy $hit. I had no intension of starting a Cliffy roast. I was just poking fun. Now I feel like a smuck 
I'm sorry. Now please excuse me while I jump out the window. Damn, that won't work. I live in a ranch  |
LOL !!! Cliffy it is just a little bit of a roast . Can't blame you for your beloved hobby as we all have the same bug . You can always sell the G-90's if you need the cash ...
As for Chip go ahead and jump anyway !
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overclkr
Joined: 08 Mar 2006
Posts: 4227
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| Posted: Tue Aug 21, 2007 2:02 am Post subject: |
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| Phil Smith wrote: | | drice1234 wrote: | Gotta go with Phil on this. If someone wants to brag about their setup they need to be prepared for the responses. Maybe seeing your own words will let you take a look at this from the people who are reading your posts perspective.
I need an insurance policy so that my investment is protected and so that I don't end up with a boat anchor on the ceiling in my theater.
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I wish I could afford health insurance |
It does seem from these statements that your priority's are skewed. A G90 would buy alot of health insurance. I understand the new one is on "loan" and no cash has been transferred but personally if I was worried about health insurance and I had (2) premium projectors, one would be gone. That's just me, everyone is different. |
Cliffy,
I worded my post too strong. My apologies!
You were bragging (not in a bad way, you were just happy) about adding 2 more G90s to your herd, when you've been talking about job problems for over 6 months. What would YOU think if you read such a thing? You'd probably think what drice1234 and I did, and what a lot of other members that chose not to say anything were thinking.
Btu you're right. You're a big boy. You know what's best for you and your family.  |
Don't apologize Phil. Your a strong worded type and that's fine.
BTW, I added one G90 not two.
The other went to Ken and is for sale but probably already sold. Like I said before, I took on the one so that I dont end up with a boat anchor on my ceiling considering parts being scarce. The worst case scenario is I have to sell it in a year.
That's the WORST case. 
Not such a bad proposition when you think about it huh?
I do need to pay much more attention to the fact that there are members around me that would love to be able to have a stack but dont. A lot of people read everyday about these types of things and get upset because they dont have the same. I know first hand. I come from a very poor family. I've been poor all my life.
This is the first time that I have accomplished something as an Adult that I can be proud of (as far as my hobbie), and as much as I'd like to scream it to the world, it's a matter of patience, thought, and understanding. I will pay attention to that from now on.
Cliffy
Last edited by overclkr on Tue Aug 21, 2007 2:11 am; edited 1 time in total
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overclkr
Joined: 08 Mar 2006
Posts: 4227
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| Posted: Tue Aug 21, 2007 2:03 am Post subject: |
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| Tom.W wrote: | | stefuel wrote: | Holy $hit. I had no intension of starting a Cliffy roast. I was just poking fun. Now I feel like a smuck
I'm sorry. Now please excuse me while I jump out the window. Damn, that won't work. I live in a ranch |
LOL !!! Cliffy it is just a little bit of a roast . Can't blame you for your beloved hobby as we all have the same bug . You can always sell the G-90's if you need the cash ...
As for Chip go ahead and jump anyway ! |
Exactly. Not a big deal. I'm the one who took it personally and I actually deserved this thread. It's a good thing.
Cliff
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Tom.W
Joined: 09 Mar 2006
Posts: 6635
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| Posted: Tue Aug 21, 2007 3:44 am Post subject: |
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To Cliffy and Chip Reality really sucks !  But life is good !
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Phil Smith
Joined: 08 Mar 2006
Posts: 7717
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| Posted: Tue Aug 21, 2007 7:11 pm Post subject: |
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| wallace123456 wrote: | Phil would you hang up from the 1-900-G90-ORGY? I can't get thru!!!  [/u] |
I just saw this in the other thread. I didn't get it until now. 
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greg_mitch
Joined: 03 May 2006
Posts: 5320
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| Posted: Wed Aug 22, 2007 2:25 am Post subject: |
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Here is a hypothetical that is not directed at Cliffy but I feel could affect many people.
What would you do if you were say making $100k a year but living a lifestyle that demanded almost all of your salary to maintain and you suddenly lost your job? How long would it take before you decided to sell your house and move? How long before you sold off your toys? How long before you cancelled your cable even? How long before you asked family for help? Or would you even ask family? How long before you freaked out?
I for one am about maxed out on my financial situation and I am not happy about it but I have also not reached near the limit of my earning potential (I know it is not good to bank on this though). If I lost my job, I don't think it would take long before I would need to start tossing stuff off the boat to stay afloat.
Just for discussion....ignore this if you like. Wouldn't bother me if this thread just gets closed now 
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overclkr
Joined: 08 Mar 2006
Posts: 4227
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| Posted: Wed Aug 22, 2007 3:16 am Post subject: |
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| greg_mitch wrote: | Here is a hypothetical that is not directed at Cliffy but I feel could affect many people.
What would you do if you were say making $100k a year but living a lifestyle that demanded almost all of your salary to maintain and you suddenly lost your job? How long would it take before you decided to sell your house and move? How long before you sold off your toys? How long before you cancelled your cable even? How long before you asked family for help? Or would you even ask family? How long before you freaked out?
I for one am about maxed out on my financial situation and I am not happy about it but I have also not reached near the limit of my earning potential (I know it is not good to bank on this though). If I lost my job, I don't think it would take long before I would need to start tossing stuff off the boat to stay afloat.
Just for discussion....ignore this if you like. Wouldn't bother me if this thread just gets closed now |
Nah. Not at all.
I'm nowhere near 100K but I feel the same way in my current financial situation.
For me, as a man with family (a wife and 3 kids) who is the bread winner of the house and I mean sole bread winner, I cant help but ask myself those questions so often that I'm sick of it.
I'm sick of worrying.
One thing that has helped lateley is the "f*ck it" attitude. I like this point of view, although, it could be very dangerous.
Cliff
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ecrabb
Forum Moderator
Joined: 13 Mar 2006
Posts: 15909
Location: Utah
TV/Projector: JVC RS40, Epson 5010
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| Posted: Wed Aug 22, 2007 5:06 am Post subject: |
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I could probably slide for only about 6-8 weeks before I'd have to start dipping into retirement funds (and paying penalties). I'd probably talk to the old man about a short-term loan before I did anything too rash like dipping into retirement or selling sh*t off. I know I'd rather pay interest to my Dad than to a bank or worse yet, penalties to the Feds. Of course, I'd be busting ass trying to replace the income ASAP, too. Freelance, part-time work - whatever I could scrounge up. I'm in the same boat as you Cliff - primary bread winner. My wife makes some good part-time money, but we'd be hurting pretty fast if I lost my job. I'm pretty confident I could get through it and maybe even make some good out of the situation, but it would definitey be stressful.
SC
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Phil Smith
Joined: 08 Mar 2006
Posts: 7717
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| Posted: Wed Aug 22, 2007 5:18 am Post subject: |
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You guys like to live dangerously. I'm a big worrier. I couldn't handle the stress.
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AnalogRocks
Forum Moderator
Joined: 08 Mar 2006
Posts: 26706
Location: Toronto, Ontario, Canada
TV/Projector: Sony 1252Q, AMPRO 4000G
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| Posted: Wed Aug 22, 2007 7:36 am Post subject: |
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Cliff you're a hell of a fun (fine) guy. It's good to say fcuk it. Don't get carried away and can you PLEASE get your wife to pose with the G90's in the other thread? It's 3:30 in the AM and I'm afrraid if I goto sleep I'll have nightmares about that picture. lol
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drice1234
Joined: 07 Oct 2006
Posts: 1309
Location: Allen, Texas
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| Posted: Wed Aug 22, 2007 11:53 am Post subject: |
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The thing that would cause me the most worry is Health Insurance. My 5 year old has acid reflux that has gotten to the point where we had to take him in for some test. He is now on medication and more than likely will have to have surgery in the next year to correct this. For the test they had to put him under which involved an Anestheologist. If I had to pay for this testing procedure that took about 20 minutes and all the labs that went with it I would be out of pocket about 15k. The meds he has to take would probably be another $300 to $400 a month. I can't begin to imagine what the surgery will cost. I definitely want to stay away from the "free" care route. Our maid was diagonsed with breast cancer and had to go through the county hospital for care. Although the actual medical care that she received was good, it would take up an entire day of waiting just for a 10 minute visit with her doctor.
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klover
Joined: 30 Sep 2006
Posts: 124
Location: Winnipeg, Manitoba
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| Posted: Wed Aug 22, 2007 12:21 pm Post subject: |
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| drice1234 wrote: | | Our maid was diagonsed with breast cancer and had to go through the county hospital for care |
Couldn't you, as her employer, provide her with health insurance?
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drice1234
Joined: 07 Oct 2006
Posts: 1309
Location: Allen, Texas
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| Posted: Wed Aug 22, 2007 12:47 pm Post subject: |
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[quote]Couldn't you, as her employer, provide her with health insurance?
She comes once every other week. Hardly full time
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greg_mitch
Joined: 03 May 2006
Posts: 5320
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| Posted: Wed Aug 22, 2007 12:54 pm Post subject: |
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It is quite humerous to see people with maids worry about financial situations
I have a boat load of student loans and I have been moving forward for the last two years with the mindset of "I will keep making more money" to cover everything I have purchased, like a new house.
My wife works and makes good money but if we decided to have her stay home and raise the kids it would def. put a strain on the deal.
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drice1234
Joined: 07 Oct 2006
Posts: 1309
Location: Allen, Texas
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| Posted: Wed Aug 22, 2007 1:12 pm Post subject: |
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| Quote: | It is quite humerous to see people with maids worry about financial situations
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I must agree with you. The maid is a wife thing. To be honest I had never thought that I would make the money that I currently am. (not that I am wealthy) Not to toot my horn but I have worked my ass off all of my life. I had spent 10 years crawling around attics in the Texas 100 plus heat, owned my own business for awhile, still usually work 11 to 12 hours a day and have been in the same industry for 26 years which allows for a certain degree of expertise. I am lucky that in most matters my wife and I think along the same lines. We pretty much underbuy on the main items. We could afford a bigger house, nicer cars, etc but would prefer to live below our means on the high ticket items and have no debt. Believe me, it doesn't matter how much you make you will generally use up what you have. My wife has a friend whose husband is Medical Doctor / Professor at John Hopkins who makes 1 million plus a year and they occasionally have money issues.
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overclkr
Joined: 08 Mar 2006
Posts: 4227
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| Posted: Wed Aug 22, 2007 1:38 pm Post subject: |
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| drice1234 wrote: | | My wife has a friend whose husband is Medical Doctor / Professor at John Hopkins who makes 1 million plus a year and they occasionally have money issues. |
Damn........
Cliff
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dc_pilgrim
Joined: 31 Oct 2006
Posts: 225
Location: PA
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| Posted: Wed Aug 22, 2007 1:39 pm Post subject: |
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I used to keep the proverbial 3-6 months of expenses in cash. Then I started to finish the basement, *poof* (which I knew would happen). Now the short to mid-term emergency fund is a HELOC with the vast majority of the line of credit available (next bonus will zap the current balance). The mid term to long term emergency fund is my wife, who stays home now, but has a masters degree in school psychology. If I were in dire straits for over 6 months, I'd look hard at selling the house if job ops were better elsewhere.
As an amputee who lost a limb to a brush wacker (blade fractured and clipped me above the ankle), creating well over $100K in bills in under a second, I can never be without health insurance. If I lost employment/benefits I'd get a catastrophic policy with like a $10k deductible to protect against the unanticipated. As the sole earner, it stresses me out that my insurance is tied to employment. But that is the system we have.
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emdawgz1
Joined: 14 Mar 2006
Posts: 7949
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| Posted: Wed Aug 22, 2007 2:00 pm Post subject: |
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| drice1234 wrote: | | Quote: | It is quite humerous to see people with maids worry about financial situations
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Believe me, it doesn't matter how much you make you will generally use up what you have. My wife has a friend whose husband is Medical Doctor / Professor at John Hopkins who makes 1 million plus a year and they occasionally have money issues. |
They dont have money issues, they have SPENDING issues.
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drice1234
Joined: 07 Oct 2006
Posts: 1309
Location: Allen, Texas
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| Posted: Wed Aug 22, 2007 2:14 pm Post subject: |
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| Quote: | | They dont have money issues, they have SPENDING issues. |
I agree. They live in the same neighborhood as the Clintons up in New York. They recently put in a swimming pool. Their house is over 120 years old and is registered as historic. It took over 3 years to obtain approval for the pool and ended up costing $550,00.00
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BradTheAggie
Joined: 08 Mar 2006
Posts: 651
Location: Oak Point, Texas
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| Posted: Wed Aug 22, 2007 2:35 pm Post subject: |
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To some extent, we all have spending issues...
Sometimes I wonder how I spend the money I make. I don't rake in huge money, but I do all right. When I was young and poor, I always had cash. Here is why...
Then: Rented a cheap one bedroom apartment in the landing path of Love field airport. When we hung out at the pool, we had to stop talking whenever planes landed (which was around every 10 minutes).
Now: Own a nice house on 1.3 wooded acres by Lake Lewisville. We will have the house paid off in another 9 years, after 20 years of mortgage payments.
Then: Had one 19" tv set, which I may have paid $50 for.
Now: Marquee CRT in the HT room, 55" Mitsu RPTV in the living room, 32" Toshiba Cinema series TV in the bedroom.
Then: Didn't even have the option of cable, far less satellite. Paid around $10 per month for phone service.
Now: Paying $90 per month for cell phone, $35 per month for Vonage phone service, and $70 per month for DirecTV.
Then: Employer paid for health care
Now: For my wife and myself, we pay around $500 per month for pretty basic health care.
Then: No pets (except dust bunnies)
Now: Four dogs, four cats, and a guinea pig. The Holman wing of the local animal hospital will open soon... 
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