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The Power Five => Big Ten => Topic started by: MrNubbz on April 15, 2020, 11:15:31 AM

Title: Advise from an old farmer
Post by: MrNubbz on April 15, 2020, 11:15:31 AM
Your fences need to be horse-high, pig-tight and bull-strong.
[font=Segoe UI, Segoe UI Web (West European), Segoe UI, -apple-system, BlinkMacSystemFont, Roboto, Helvetica Neue, sans-serif][color=var(--neutralDark)][font=Segoe UI, Segoe UI Web (West European), Segoe UI, -apple-system, BlinkMacSystemFont, Roboto, Helvetica Neue, sans-serif][font=Segoe UI, Segoe UI Web (West European), Segoe UI, -apple-system, BlinkMacSystemFont, Roboto, Helvetica Neue, sans-serif][font=Segoe UI, Segoe UI Web (West European), Segoe UI, -apple-system, BlinkMacSystemFont, Roboto, Helvetica Neue, sans-serif][font=Segoe UI, Segoe UI Web (West European), Segoe UI, -apple-system, BlinkMacSystemFont, Roboto, Helvetica Neue, sans-serif]Keep skunks and bankers at a distance.
Life is simpler when you plow around the stump.
A bumble bee is considerably faster than a John Deere tractor.
Words that soak into your ears are whispered… not yelled.
Meanness don’t jes’ happen overnight.
Forgive your enemies; it messes up their heads.
Do not corner something that you know is meaner than you.
It don’t take a very big person to carry a grudge.
You cannot unsay a cruel word.
Every path has a few puddles.
When you wallow with pigs, expect to get dirty.
The best sermons are lived, not preached.
Most of the stuff people worry about ain’t never gonna happen anyway.
Don’t judge folks by their relatives.
Remember that silence is sometimes the best answer.
Live a good, honorable life… Then when you get older and think back, you’ll enjoy it a second time.
Don ‘t interfere with somethin’ that ain’t bothering you none.
Timing has a lot to do with the outcome of a Rain dance.
If you find yourself in a hole, the first thing to do is stop diggin’.
Sometimes you get, and sometimes you get got.
The biggest troublemaker you’ll probably ever have to deal with, watches you from the mirror every mornin’.
Always drink upstream from the herd.
Good judgment comes from experience, and a lotta that comes from bad judgment.
Lettin’ the cat outta the bag is a whole lot easier than puttin’ it back in.
If you get to thinkin’ you’re a person of some influence, try orderin’ somebody else’s dog around..
Live simply. Love generously. Care deeply. Speak kindly. Leave the rest to fate.
Don’t pick a fight with an old man. If he is too old to fight, he’ll just kill you.
Most times, it just gets down to common sense[/font][/font][/font][/font][/color][/font][/size][/color]
Title: Re: Advise from an old farmer
Post by: FearlessF on April 15, 2020, 11:20:06 AM
Keep skunks and bankers at a distance.

best one, I'd also add Insurance agents

the first advice I give to anyone is avoid credit card debt and don't smoke cigarettes.
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 15, 2020, 11:24:44 AM
Cigars OK though?
Title: Re: Advise from an old farmer
Post by: FearlessF on April 15, 2020, 11:27:52 AM
yes, in moderation ;)

I try to keep it to one a week in the summer
Title: Re: Advise from an old farmer
Post by: Brutus Buckeye on April 15, 2020, 11:54:49 AM
Quote from: FearlessF on April 15, 2020, 11:20:06 AM
Keep skunks and bankers at a distance.

best one, I'd also add Insurance agents

the first advice I give to anyone is avoid credit card debt and don't smoke cigarettes.

Skunks can't get the leverage to activate their sprayers unless their hind legs are on the ground. So the trick is to lift them by the tail just enough to pick their back legs up off of the dirt. Works every time. 
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 15, 2020, 12:06:48 PM

Ya well play with them all you want.I got nailed one night by my garage,thought it was my cat strolling about.Thankfully I was wearing shorts and it was a nice summer night.Took the hose some dish soap,hydrogen peroxide  and backing soda.That lifted the stench-debris pretty quickly
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 15, 2020, 12:11:07 PM
My research was on compounds of the ilk skunks produce.  They were nearly all very stinky, some incredibly so.

I'm a bit surprised more animals don't use that defense mechanism.
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 15, 2020, 12:18:42 PM

There was e-mail/quote somewhere that the recipe(if it's to be called that) was from mortuaries,evidently this helped on corpses with decomposition.All I know is the next morning there was no smell.Maybe my vet sent that info to me
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 15, 2020, 12:24:55 PM
One smell from corpses is called cadaverine, no lie, and it smells like death. 

It's an amine compound unrelated to skunk scent.

(https://i.imgur.com/5D17m5f.png)
Title: Re: Advise from an old farmer
Post by: NorthernOhioBuckeye on April 15, 2020, 12:26:40 PM
Quote from: MrNubbz on April 15, 2020, 12:06:48 PM
Ya well play with them all you want.I got nailed one night by my garage,thought it was my cat strolling about.Thankfully I was wearing shorts and it was a nice summer night.Took the hose some dish soap,hydrogen peroxide  and backing soda.That lifted the stench-debris pretty quickly
Funny story. A few years back when I was building my garage, It was pretty much complete except for the garage door. We had an outdoor cat that I would feed at night, just enough to keep it alive. (He was a great mouser and didn't want to screw that up). When I fed him, I would push his bowl underneath a bench that had a shelve too low for the dog to get at, but plenty big enough for the cat. 

Anyway, one night I stepped out to fill the cats dish, reached under the shelve and grabbed the bowl. I felt my arm brush up against the cast. As I filled the bowl, I looked over and noticed the cat was sitting in the opening for the soon to be installed garage door. I grabbed a flashlight and looked under the shelve and there was a skunk looking back at me. And my dumb dog was laying in the floor next to it. It appeared, they were buddies. 

At that point, I sat the bowl of food down near the bench and went back into the house and let the skunk leave on his own. He was gone about an hour later. Needless to say, I got the garage door hung shortly thereafter.
Title: Re: Advise from an old farmer
Post by: FearlessF on April 15, 2020, 12:30:00 PM
skunks and I had never had much trouble

opossums on the other hand, we don't seem to see things the same way
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 15, 2020, 01:54:44 PM
Why can they chase you down? :D
Title: Re: Advise from an old farmer
Post by: FearlessF on April 15, 2020, 02:06:14 PM
I'm not very fast, but I'm not very agile either
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 15, 2020, 02:10:49 PM
I should talk I've gotten sprayed you haven't nobody confuses me with Jesse Owens.But if I saw the skunk they would have
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 15, 2020, 03:57:58 PM
My step son did a lot of work on his car, he was swapping engines, and called me out to the garage.  He had turned over a bucket and underneath was a pretty good sized black snake.  Being French, he didn't know much about US Snakes.  I very "cleverly"  pulled up the bucket and tried to usher the snake out with a broom, but the snake went up under his car and wrapped himself around the rear axle.  We pushed the car out of the garage, obviously too late now, and for about 3 days we'd see the snake's head peaking though a rear wheel opening.  Ben was not happy about working on his car with the snake around.  Eventually he did slither off (the snake, not Ben).  I tried squirting a hose up in there with no effect.

I was back in the garden one day and noticed about an 8 point good sized buck walking in my direction, I stood still and he passed about ten feet from me and never saw or smelled me.  He was pretty magnificent really. Those guys did a lot of damage to my trees.
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 15, 2020, 04:39:22 PM
Put on an Orange canvas vest with a hunting license pinned on the back and he wouldn't have been within 3 counties
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 15, 2020, 04:44:10 PM
I was once getting gas back in the day when they had full service everywhere, and a lady pulled up next to me in a Cadillac.  The gas jockey told her after checking under the hood she needed a new air filter, and she said OK, and he said it was $3 and $5 to install it.  I almost got out of the car.

These were the old cylindrical air filters that say between the V.
Title: Re: Advise from an old farmer
Post by: FearlessF on April 15, 2020, 08:49:32 PM
my first job punching a clock was a gas jockey

1980

I didn't change many air filters, but added a lot of oil, wiper fluid, brake fluid, tranny fluid, power steering fluid, and pumped air into countless tires
Title: Re: Advise from an old farmer
Post by: CWSooner on April 16, 2020, 01:04:30 AM
I had a fraternity brother who had a '69 Camaro that used oil rapidly.  His joke was that when he stopped at the gas station, he'd tell the attendant to fill up the oil and check the gas.
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 16, 2020, 07:42:39 AM
Quote from: FearlessF on April 15, 2020, 08:49:32 PM
my first job punching a clock was a gas jockey

1980

I didn't change many air filters, but added a lot of oil, wiper fluid, brake fluid, tranny fluid, power steering fluid, and pumped air into countless tires
You weren't squirting oil on any shock absorbers or underneath the oil pans on the boss's orders were you?
Title: Re: Advise from an old farmer
Post by: NorthernOhioBuckeye on April 16, 2020, 07:49:13 AM
Living in a rural area, I get a lot of critters around the house or in the garage. A few years back when I was still going into the office daily, my wife called me from home hysterical about a "PYTHON" in the back yard. She grabbed the kids and went into the house, scared to death. I left work, got home and asked were she saw this HUGE snake. She pointed to the lawn tractor that she had gotten out to pull a wagon around the yard. I went out and found a 3 foot garden snake hiding under the mower deck, probably more scared than my wife was. I grabbed it and took it across the street into a field of beans and let it go. Never saw it again. 

I also had an instance were I was piddling around in the garage on a weekend. It was nice quite morning and I was enjoying just being outside in the garage. After a while, I turned around and there was a doe standing about 3 feet into the garage just looking around. As I was in the back of the garage with no lights on, I am guess she didn't notice me. She stood there looking around for about 2-3 mins and then just wandered back out of the garage and out to the fence row that borders the west side of my property. 
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 16, 2020, 07:57:16 AM
Damn that's a story for hunting season.They are like locusts when you don't have a 12 guage
Title: Re: Advise from an old farmer
Post by: FearlessF on April 16, 2020, 05:47:09 PM
Quote from: MrNubbz on April 16, 2020, 07:42:39 AM
You weren't squirting oil on any shock absorbers or underneath the oil pans on the boss's orders were you?
no, but I had my tricks

I needed beer money - was making $3.25/hour

Gas was $1.17/gallon

Cigarettes - $5.75 a case - 60 cents a pack

don't recall the price of a 6er of Bud Heavy
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 17, 2020, 09:41:40 AM
You should be a CEO,FF that's how they all start out

(https://i.imgur.com/yX7TmoH.png)
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 18, 2020, 11:04:06 AM
(https://i.imgur.com/Qta8ol4.png)
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 18, 2020, 11:29:28 AM





Officer, my wife is missing. She went shopping yesterday and hasn't come home!

Officer:      Age?
Husband:   I'm not sure.  Somewhere between 50 and 60.  We don't do birthdays .

Officer:      Height?
Husband:   I'm not sure.  I’d guess a little over five-feet tall.

OFFICER :   Weight?
Husband:   Don't know.  Not slim; not really fat…….. I’d say medium.

OFFICER :   Color of eyes
Husband:   Sort of brown, I think….. guess I really never noticed.

OFFICER :   Color of hair?
Husband:   Changes a couple times a year.  Maybe dark brown, now.  I can't remember.

OFFICER :   What was she wearing?







Husband:   Could have been pants, or maybe a skirt….. or shorts.  I don't have a clue.

OFFICER :   What kind of car did she go in?
Husband:   She went in my truck.

OFFICER :   What kind of truck was it?

Husband :   A 2017, manufactured September 16th, pearl white Ram Limited 4X4, with 6.4l Hemi V8 engine, ordered with the Ram Box bar and fridge option, led lighting, back up and front camera, moose hide leather heated and cooled seats, climate controlled air conditioning.  It has a custom matching white cover for the bed, Weather Tech floor mats.  Trailing package with gold hitch, sunroof, DVD with full GPS navigation, satellite radio, Cobra 75 WX ST 40-channel CB radio, six cup holders, 3 USB ports, and 4 power outlets.  I added special alloy wheels and off-road Toyo tires.  It has custom retracting running boards and under-glow wheel well lighting.   







At this point the husband started choking up.

OFFICER :  Take it easy,  Sir,….. we'll find your truck.






Title: Re: Advise from an old farmer
Post by: Brutus Buckeye on April 18, 2020, 11:31:40 AM
I heard that it burns like pepper spray. As if the stink wasn't bad enough. 
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 18, 2020, 12:21:20 PM
The best advice I ever got was to be told that to advise is a verb, and advice isn't.
Title: Re: Advise from an old farmer
Post by: Brutus Buckeye on April 18, 2020, 12:23:45 PM
Heh, I just assumed it was Brittish, when I saw the thread title. Like "realise" instead of "realize" etc. 
Title: Re: Advise from an old farmer
Post by: CWSooner on April 18, 2020, 01:23:33 PM
Quote from: Cincydawg on April 18, 2020, 12:21:20 PM
The best advice I ever got was to be told that to advise is a verb, and advice isn't.
So you're saying that the "from" should be dropped?
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 18, 2020, 03:17:48 PM
Spend less than you make.

Pay off your credit card bills each month, or don't use them.

Borrow only to buy a house, and maybe a car.

Don't buy a car very often.  My target was ten years.

Don't buy anything that uses gasoline or eats and poops.

Be wary of old men, and more so of old women.
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 19, 2020, 04:18:05 PM

Q:. What's the difference between a golf ball and a G spot?

A:. Men have been known to spend 45 minutes looking for a golf ball
Title: Re: Advise from an old farmer
Post by: OrangeAfroMan on April 19, 2020, 05:06:01 PM
Quote from: Cincydawg on April 18, 2020, 03:17:48 PM
Pay off your credit card bills each month, or don't use them.

This has been a nagging thing for me.
Went years and years not wanting a credit card.  Don't want to buy anything I can just pay for up front.
But your credit score is crap doing that.  Fun.  I think they should honestly change that.  If you make it to the age of 30, living independently since college without needing a credit card, your credit score should be good.
Anyway, I get one, pay it as soon as I used it, no problem, just an extra step.  Whatever.
Then I read you should have 2-3 credit cards to help your credit score.  So I do that, no problem, continue on.
But it one spring, I just got in the habit of using them for everything - didn't need to, just happened to - and racking up a bunch of bills.
Been paying them off for 2 years.  Nearly finished, but damn.  One 2-month period of drifting off mentally about it and BOOM.  It's stupid.
Title: Re: Advise from an old farmer
Post by: Drew4UTk on April 19, 2020, 06:05:41 PM
Credit rating is stupid... more about cash flow than solvency... it does demonstrate a person's responsibility, though. 

I knew a girl who had a 100 point swing on her credit report in one month... she had two credit cards and neither were maxed out, but they went from being paid every month to both carrying more than half her available credit.  I asked her what in the world she bought? Answer: something minimal and small- the answer was her available credit was $1k on one card and $800 on the other, and she went over half available credit on both... she was just establishing credit so it really whacked her. She paid both off the following month and rebounded in a couple months... to me that is insane to rate that way.

When I had a store and before I incorporated, I used two cards to purchase merchandise... both had $35k limits... I'd max them out every month and pay them off every month.  The manufacturers offered terms, and at zero for the first ten days, and then went to 6% the next ten days, and 10% the next... I effectively had somewhere around 4% for a month using the cards, and due to the card provider and not the manufacturers... this made me a preferred customer with both.. the trick was to stock only what i could sell in that window, or make high enough margin if it sat for 90+ days (double keystone or more)... and my credit score was crazy, like between 840 and 845 any given month. That was how I discovered it being all about cash flow more than anything.
Title: Re: Advise from an old farmer
Post by: FearlessF on April 20, 2020, 12:43:38 PM
Credit scores just prove what most of us have known for years

the banker will only borrow money to folks that don't need to borrow money

I use 2 of my 3 credit cards for everything I don't pay with cash - most everything but my bar tab

I get 1.5 % cashback on one, the other I get 5% cashback on some purchases

it doesn't total all that much in a year's time, but it pays for the fees on the card and a bit more
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 20, 2020, 01:20:30 PM
My credit score recently took a rather large dip, apparently because I refinanced, which makes no sense.  The new balance is a good bit lower than where my first loan started.  I don't really care, it's still fine.  Their algorithms apparently are goofy, huh.
Title: Re: Advise from an old farmer
Post by: ELA on April 20, 2020, 02:34:05 PM
Quote from: Cincydawg on April 20, 2020, 01:20:30 PM
My credit score recently took a rather large dip, apparently because I refinanced, which makes no sense.  The new balance is a good bit lower than where my first loan started.  I don't really care, it's still fine.  Their algorithms apparently are goofy, huh.
I was going to post the same thing.  It's because there was an inquiry I'm assuming, which I've never understood why it harms it.
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 20, 2020, 02:41:05 PM
My credit report said it dropped because of high credit usage.  Everything else was fine.  I refinanced.  We bought the place with a loan well over $400 K and I refinanced with a loan under $400 K, I don't get it.  I don't really care, but it's weird.  I went from an 840 to 780.  

I might refinance again if "this" lingers.
Title: Re: Advise from an old farmer
Post by: MrNubbz on April 22, 2020, 10:33:36 PM
(https://i.imgur.com/OQzU0Gd.png)
Title: Re: Advise from an old farmer
Post by: Cincydawg on April 23, 2020, 08:31:42 AM
You do need to establish "credit" at some point to get a credit score.  I would imagine some person who never obtained a loan who went to get a home loan might struggle these days.  Maybe they would rely on your income and ignore the credit score.  Dunno.

When I bought the new car, they told me I'd get a better deal if I financed it, and the rate they offered was 1.9% which was quite appealing at the time.  So, I have a 60 month car payment.  I was glad when I reached the point of paying off the house, and had not had a car payment in decades.  I kept one minivan a very long time and was putting money aside to buy a new one, using dollar cost averaging and putting the money into a mutual fund back in the 90s.  I didn't pay much attention and one day realized I had about $18 K in the fund, enough to buy a pretty nice new minivan, and the old one was getting a bit long in the tooth (145 K miles).  If you can get out from under a car payment, keep paying the same amount or close to it and invest the money so next time you won't have one.

If you really want a new car every three years, they have an option for that of course.  Some makes with a high residual value like Porsche can make sense to lease.

The credit card thing is something that snares a lot of younger folks I think.
Title: Re: Advise from an old farmer
Post by: FearlessF on April 23, 2020, 09:30:03 AM
when I purchased the 2015 pickup, I was offered $1000 off the price if I financed with GM.

I only had to keep the loan for 12 months, so I took the $1K off and then paid the loan after 13 months.  Saved a few bucks.

didn't want to make payments for 36 months or whatever