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  • Ahhhh the LAN party! I haven't done one of those since... oh jeez probably around 1986 or so? I don't count times I was at work and everyone decided to pack it up for the day and fire up the game du jour! LOL

    It's funny that in these days of "social gaming" it's really become everyone in their...

    Ahhhh the LAN party! I haven't done one of those since... oh jeez probably around 1986 or so? I don't count times I was at work and everyone decided to pack it up for the day and fire up the game du jour! LOL

    It's funny that in these days of "social gaming" it's really become everyone in their own space. I almost exclusively play games these days with a friend or two, and we are never, ever, in the same physical space. Incidentally Michael you really need to get yourself a PS4!

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  • WOW!! Seriously?! That astounds me. I would take so much less business risk if I couldn’t use unsecured debt as needed. Thanks for clarifying... I guess you really do learn something new every day!

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  • Wow Michael, I rarely disagree with you but there's one bit of advice you gave here that really made me sit up in horror (unless I misinterpreted what you wrote in which case feel free to correct me). Maybe unsecured debt works differently in Australia, but here in the US it's generally a...

    Wow Michael, I rarely disagree with you but there's one bit of advice you gave here that really made me sit up in horror (unless I misinterpreted what you wrote in which case feel free to correct me). Maybe unsecured debt works differently in Australia, but here in the US it's generally a terrible idea to ever collateralize your credit card debt by rolling it into your home mortgage. All you end up doing is securing your unsecured debt. If the absolute worst case financial scenario happens, you can walk away from (or even settle at a greatly reduced amount) unsecured debt with no real repercussions other than a wallop to your credit report for a few years - which can absolutely be repaired and recovered from. But try not paying your mortgage for long and you find yourself without a home.

    I can only think of a few scenarios where I would ever suggest that someone increase their mortgage in order to get rid of credit card debt. Sure at first glance it seems like a no brainer - trade 25% interest for 4% interest! But that's not all you're doing. I go to great lengths to manage and protect my unsecured credit as it's a major asset for me, but it's also the first one I can let go of if I find myself in a true financial crisis. My home is the last item I would put at risk if I could help it in any way.

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  • Unfortunately this is exactly the world we live in now. The Court of Public Opinion is the one that matters most, and once it has rendered a verdict it can almost never be reversed. Countless people have had lives destroyed by thus mob mentality, and any notion of "innocent until proven...

    Unfortunately this is exactly the world we live in now. The Court of Public Opinion is the one that matters most, and once it has rendered a verdict it can almost never be reversed. Countless people have had lives destroyed by thus mob mentality, and any notion of "innocent until proven guilty" has gone completely out the window.

    I mean really if you think about it, why should anyone ever need a defense attorney? Either their guilt can be proven, or it can't. There in theory should be no need to even mount a defense because you are already innocent of any and all charges, right?

    Crowds are dangerous, and it's a big part of why I prefer to keep my head down and just quietly do my thing. Oh and not participate in social media... that's a key component for sure.

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