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Thread: OK I came back after 25 years last March

  1. #11
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    Hey Lou, did you get out to bowl yesterday, and if so how did it go?


    p.s. We will hold you accountable for what you say you're going to do
    John

  2. #12
    Bowling God Aslan's Avatar
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    You just need to find the right fit.

    There are folks that go absolutely nuts if people around them take the game too seriously...and then there are people more like me...that only have fun bowling when we're bowling well.

    There are seniors that just bowl to get them out of their houses for a few hours, and seniors that still are holding out hope for a PBA60 run. There's nothing wrong with either mindset...you just have to find a league/crowd that is the right fit.

    I suggest establishing specific goals. You don't need a league or a bunch of people in order to get to the next level. You just need to know your weaknesses and set targets to improve. Then, develop a strategy of how you're going to do that.
    In Bag: (: .) Motiv Trident Odyssey; (: .) Hammer Scorpion Sting; (: .) Pyramid Force Pearl; (: .) Brunswick Rhino Gold; (: .) Ebonite Maxim
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    Smokey this is not 'Nam', this is bowling. There are rules. Proud two-time winner of a bowlingboards.com weekly ball give-away!

  3. #13
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    Quote Originally Posted by J Anderson View Post
    Hey Lou, did you get out to bowl yesterday, and if so how did it go?


    p.s. We will hold you accountable for what you say you're going to do

    Ashamed to say no, I passed the house a few times this week and just blew it off.....I am having some personal issues that are taking over my mind...
    “There’s nothing like throwing a 16lb 8.5 inch sphere at 10 3.5lb wooden objects spaced 12 inches apart and having them all hit each other” proud member of Bowlingboards.com bowling forums and ball contest winner

  4. #14
    Bowling God Aslan's Avatar
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    Quote Originally Posted by LOUVIT View Post
    .....I am having some personal issues that are taking over my mind...
    Who is she?

    I've found that nothing cures problems with broads better than 3-6 games of bowling.

  5. #15
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    Quote Originally Posted by Aslan View Post
    Who is she?

    I've found that nothing cures problems with broads better than 3-6 games of bowling.

    LOL, no not woman troubles, once I find out their name I run.....haha...married 31 years and she walked. Done with relationships. My issues are like most...financial, not ashamed to say it either, I was a well to do man a few years ago and sickness and family dried me out. Now I'm on SSD which is not enough.. What really sucks is that it's like 2-3k I need to catch up and I can't even get a loan for that.
    Last edited by LOUVIT; 06-15-2017 at 07:49 PM.
    “There’s nothing like throwing a 16lb 8.5 inch sphere at 10 3.5lb wooden objects spaced 12 inches apart and having them all hit each other” proud member of Bowlingboards.com bowling forums and ball contest winner

  6. #16
    Bowling God Aslan's Avatar
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    Quote Originally Posted by LOUVIT View Post
    My issues are like most...financial...
    Oh, that's easier then. Just don't pay them. Pretend you're a business. You think Trump International would think twice about declaring bankruptcy and writing off the debt? Hell no. The Prez even brags about it.

    Unless it's taxes. I got HAMMERED with taxes this year...which seems odd given I haven't worked since July 2016. It turns out, the smart financial decision was to become homeless rather than cash out my retirement...as crazy as that sounds. Unfortunately...I need more in the 10k-40k range than 3k...so I'll have un-temporarily retire soon.
    In Bag: (: .) Motiv Trident Odyssey; (: .) Hammer Scorpion Sting; (: .) Pyramid Force Pearl; (: .) Brunswick Rhino Gold; (: .) Ebonite Maxim
    USBC#: 8259-59071; USBC Sanctioned Average = 186; Lifetime Average = 171;
    Ball Speed: 15.5mph; Rev. Rate: 240rpm || High Game (sanc.) = 300 (268); High Series (sanc.) = 725 (720); Clean Games: 181

    Smokey this is not 'Nam', this is bowling. There are rules. Proud two-time winner of a bowlingboards.com weekly ball give-away!

  7. #17
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    Quote Originally Posted by Aslan View Post
    Oh, that's easier then. Just don't pay them. Pretend you're a business. You think Trump International would think twice about declaring bankruptcy and writing off the debt? Hell no. The Prez even brags about it.

    Unless it's taxes. I got HAMMERED with taxes this year...which seems odd given I haven't worked since July 2016. It turns out, the smart financial decision was to become homeless rather than cash out my retirement...as crazy as that sounds. Unfortunately...I need more in the 10k-40k range than 3k...so I'll have un-temporarily retire soon.

    this is my Condo HOA fees, I own the Condo but haven't been able to pay the monthly fees. They can actually foreclose for that even though I own the shi!. You state 10-40k that would pay off everything I owe, I am just looking to catch up and be even with the HOA right now. 1500 would actually 1k would stop proceedings... anyone here a bad credit lender I don't give a crap about interest rate. I just need a small loan! I started driving for uber and making a little money P/T so I have no problems paying it back, but I need the 1500 in a lump sum.
    “There’s nothing like throwing a 16lb 8.5 inch sphere at 10 3.5lb wooden objects spaced 12 inches apart and having them all hit each other” proud member of Bowlingboards.com bowling forums and ball contest winner

  8. #18
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    I pass the alley daily and miss it but I know my mind is not there until I straighten out my financial mess...... Donations too.....lol J/K
    “There’s nothing like throwing a 16lb 8.5 inch sphere at 10 3.5lb wooden objects spaced 12 inches apart and having them all hit each other” proud member of Bowlingboards.com bowling forums and ball contest winner

  9. #19
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    I think the problem is:

    1) It seems like if you own the condo...being behind in association fees shouldn't allow them to foreclose on the property. If it is...then, there's reason number #6000 why you should never join a housing or neighborhood association. But there MUST be something you get for owning the condo. Even if they kick you out...you still should receive the value of the condo. Why not get a mortage on the condo? If it's paid off...get a small (10% of the value) mortage on the condo...pay the HOA fees...make monthly payments on the mortage...you're all set! These days, mortage interest rates are extremely low...and they don't care about credit...especially when you have collateral (the condo).

    2) The first difficulty with a "loan" is that you have no income. Driving for Uber is like, one step up from selling Herbalife or Avon. You'd need a more secure job with more guaranteed income.

    3) The second difficulty with the "loan" is the "I'd pay it back" statement related to being behind in your HOA payments and having bad credit. It sounds like, due to probably legitimate reasons, your recent experience is to actually NOT pay back money.

    So, you are essentially a person with virtually no guaranteed income and a poor history of paying debts. Thats going to make an unsecured loan almost impossible.

    Even if you found someone willing of taking the chance...just to get you a "fresh start"...what is the long term plan? I use to have homeless people begging for money every time I stepped out my door. And people give them money (I did sometimes). Why? Is $2 going to put them on the right track? If they get that $2 from me...and lets say another $300 that entire week...is that going to "solve" their problem? The answer is an almost certain (99.99999%) "NO". They will buy a pack of cigs, maybe get a decent meal, maybe a bottle of hooch, probably some heroin or meth...and then we're back to square #1 next week.

    My situation is more complicated because it involves the IRS. And, unlike YOUR situation...the IRS rarely forgives and almost never forgets. Hopefully the federal IRS agrees to my settlement offer...that gets me down to $10,000. It's a low interest rate...so I can just make payments, no bigee.

    My bigger challenge is to find a job and/or make some progress towards getting a book published...some type of "income". Moving to Iowa will allow me about 5 months...of living of my savings before it runs out. Probably more like 3-4. But, not a lot of good jobs in my field in this area. I may end up having to get some laborer type job...just to get some money coming in. BUT...it's hard for me to get a lower level job...because they don't like to hire guys that are overqualified. Or, I have to start digging the credit card debt hole with eventual bankruptcy in mind...but thats a messy road I'd very much like to avoid.

    Doesn't it suck that there are people who are essentially multi-millionaires...that could probably solve BOTH our problems and not even notice the money left their accounts? The difference between 10 million and 9,950,000 is like a weekend in Vegas to a multi-millionaire.

  10. #20
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    Quote Originally Posted by Aslan View Post
    I think the problem is:

    1) It seems like if you own the condo...being behind in association fees shouldn't allow them to foreclose on the property. If it is...then, there's reason number #6000 why you should never join a housing or neighborhood association. But there MUST be something you get for owning the condo. Even if they kick you out...you still should receive the value of the condo. Why not get a mortage on the condo? If it's paid off...get a small (10% of the value) mortage on the condo...pay the HOA fees...make monthly payments on the mortage...you're all set! These days, mortage interest rates are extremely low...and they don't care about credit...especially when you have collateral (the condo).

    2) The first difficulty with a "loan" is that you have no income. Driving for Uber is like, one step up from selling Herbalife or Avon. You'd need a more secure job with more guaranteed income.

    3) The second difficulty with the "loan" is the "I'd pay it back" statement related to being behind in your HOA payments and having bad credit. It sounds like, due to probably legitimate reasons, your recent experience is to actually NOT pay back money.

    So, you are essentially a person with virtually no guaranteed income and a poor history of paying debts. Thats going to make an unsecured loan almost impossible.

    Even if you found someone willing of taking the chance...just to get you a "fresh start"...what is the long term plan? I use to have homeless people begging for money every time I stepped out my door. And people give them money (I did sometimes). Why? Is $2 going to put them on the right track? If they get that $2 from me...and lets say another $300 that entire week...is that going to "solve" their problem? The answer is an almost certain (99.99999%) "NO". They will buy a pack of cigs, maybe get a decent meal, maybe a bottle of hooch, probably some heroin or meth...and then we're back to square #1 next week.

    My situation is more complicated because it involves the IRS. And, unlike YOUR situation...the IRS rarely forgives and almost never forgets. Hopefully the federal IRS agrees to my settlement offer...that gets me down to $10,000. It's a low interest rate...so I can just make payments, no bigee.

    My bigger challenge is to find a job and/or make some progress towards getting a book published...some type of "income". Moving to Iowa will allow me about 5 months...of living of my savings before it runs out. Probably more like 3-4. But, not a lot of good jobs in my field in this area. I may end up having to get some laborer type job...just to get some money coming in. BUT...it's hard for me to get a lower level job...because they don't like to hire guys that are overqualified. Or, I have to start digging the credit card debt hole with eventual bankruptcy in mind...but thats a messy road I'd very much like to avoid.

    Doesn't it suck that there are people who are essentially multi-millionaires...that could probably solve BOTH our problems and not even notice the money left their accounts? The difference between 10 million and 9,950,000 is like a weekend in Vegas to a multi-millionaire.
    I do have a steady Social security income. Uber just gets me some spare cash and as of today July 1 they have changed insurance laws so I can't even do that until it is straightened out. Problem is that I have a private loan with an attorney and he used the condo as colleratel. Also this community is not FHA approved. I have been approved for many loans until they hear that. With my credit I do not qualify for a conventional loan even with 40,000+ clear equity. I have tried every equity loan company on the net. I even tried reverse mortgages...still a no go. If the Condo assoc. don't foreclose the attorney may. I had a good credit score and cash in the back until my mom got very ill and I took care of her for 2 years and then had to bury her. I also lost it for a while and suffer from anxiety and depression. This is not my idea of retirement. How can they not give you an equity loan on something I own....I only need 3k to catch up and then I can go back to making all my monthly payments on time. $40k equity loan would make me totally debt free. Right now I am concentration on the 3k so I can catch up and up my credit score. Then I could get a low rate equity loan and maybe live a bit. Sorry for venting.

    As far as not paying my bills.... Here is a part of my credit report.
    100%
    0 Late Payments
    You have a stellar payment history!
    A 100% on-time payment history is a good sign for lenders that you can reliably make payments.

    KARMA PRO TIP

    Keep it up! Even one late payment could hurt your credit health, so stay
    Last edited by LOUVIT; 07-01-2017 at 10:55 AM.
    “There’s nothing like throwing a 16lb 8.5 inch sphere at 10 3.5lb wooden objects spaced 12 inches apart and having them all hit each other” proud member of Bowlingboards.com bowling forums and ball contest winner

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