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Financial Issues • Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

February 19, 2017 DR1VENbyKNOWLEDGE 0
daaswampman wrote:
A loan of any type, should be your last resort in an uncertain world! Dave Ramsey has a good approach, it works, and will end your slavery to the Banksters! Swamp

I love DR.(Keeping in mind he’s made a business out of advice. Some of his sponsors do not have the persons best interest at hand, including the mortgage company he refers…LOL…They’re EXPENSIVE!!!)

I stay debt free as much as possible. if you cant control yourself on your own, the envelope system works.

Dave knows the value of a home for retirement and its primary to his plan. But he also knows homes are expensive and the reality is you don’t have $300,000 laying around to pay cash for it. That’s why he has Mortgage sponsors to begin with…. ;)

Get the home paid off and do it as fast as possible. But you cant do that EFFECTIVELY by being in a higher rate than you should be or too long a term unless you pay extra to your principle.

Mortgage insurance is the first thing to go if you have it. Then focus on rate and term. Pay extra to principle as much as possible……But, even if you pay extra to principle, if your rate is higher than it should be, you need to refinance. if you’re retiring, make sure you will qualify on the retirement income before the switch if possible.

In general, even if you’ve been in your current term for years, If your current interest rate is higher than below, you should at least research it…..It only takes about 5-6 min to know if you can improve and the entire refinance process shouldn’t take more than about 20 days total if with a good company.

(This changes hourly)….The interest rate changes are actually controlled by MBS(Mortgage Backed Securities)….You can see a general trend by observing the 10 year treasury but that’s not perfect. You really need to monitor the MBS and have to pay for a subscription if you want that access.

30 yr fixed—- 3.990%
20 yr fixed—- 3.500%
15 yr fixed—- 3.125%

These should be for COMPLETELY FREE loans(as long as your loan balance is $130,000 or higher)….that means NOTHING paid by you, NOTHING added to your loan amount, AND a full appraisal refund if it’s even needed.

You can get lower rates than above but it will cost something, somewhere, and you shouldn’t do it unless the payment savings it greater than the fees incurred in under about 30 months. If that’s still your goal, then just make sure to shop by TOTAL FEES including all 3rd party fees and appraisal…..Don’t let them twist you up by quoting you Escrow is blah blah blah, Title is blah blah blah….

You want a single total cost # to compare no matter what the break downs are. That is all that matters in the end.

Statistics: Posted by DR1VENbyKNOWLEDGE — Sun Feb 19, 2017 10:55 am


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Financial Issues • Re: Home loan Education and Interest Rate Quotes.Free 4 Prep

February 18, 2017 DR1VENbyKNOWLEDGE 0
JayJay wrote:
I have a great trick–apply for a refi; save all correspondence and reply after approval that you’re just not quite ready.
Keep doing that and watch that refi fee come down from $4500 to $2300 to $1900 to $450. ;):p;):p

I have the paperwork to prove it and still was cautious of BofA and didn’t refinance.

But, when husband is gone and I really need to refi to live on his SS check?? I will pull out that last pile of paperwork and say…”I’m ready now and I want that last deal!!” :D

lol….sounds like a pain. It could work or just cost you your deal if you’re serious Jay Jay.

Be aware, on the best day at BofA, Wells, Chase, WaMu, etc etc etc, you are still paying Retail pricing……They don’t offer Wholesale pricing even to clients with $500,000 in their banks.(There’s a reason there’s high-rises with their names on top of them, marble check writing counters, etc…PROFIT.)

Wholesale Vs. Retail is about $3000 cheaper on a given rate or about .250%-.375% lower on a rate for the same cost involved…….There is almost no time a “Big Bank” will be cheaper on any loan Vs. wholesale….The only exceptions you might see is SOMETIMES for a JUMBO loan at Chase IF you have hundreds of thousands of dollars in holdings with them…..Even then, you need to shop the rate.

Be aware…..wall Street LOVES Trump….Ever since elected rates have been climbing quickly….30 yr fixed was COMPLETELY free at 3.500% at the beginning of November….now that same loan today will cost you about 9-10 thousand dollars including all 3rd party fees…….The same free loan is about 3.990%-4.125% on a 30 year today as example.(Specific credit scores , loan amount, type of property, LTV will alter these figures)

Rates move hourly, let alone daily….just like the stock market.
You cant say “I want that last deal you quoted me” if rates have gone higher and they were giving you the best deal then…..That would be like saying I want to buy Apple stock but I only want to pay $1 dollar per share you quoted me in 1978 even though it’s $135 per share today.

If they truly were giving you the best deal ON THE FIRST QUOTE, you should give that person your business and not play games as they showed their integrity giving you the best deal first phone call not wasting your time….It’s easily verifiable by shopping. Remember though, rates change quickly sometimes…shop everyone within 1 hour against each other to compare “Apples to Apples” ;)

Look at bankrate.com…(don’t put in your contact info or 10 companies will immediately start calling you non-stop!!!….I’m not kidding here)..It’s an excellent resource but use it wisely…..BUT, be aware Bankrate.com’s advertising policies will not include 3rd party fees for anyone…..It also only is good for Primary residence, SFR(no condo’s or townhomes) mandatory impounds, and no cash-out or 2nd mortgage consolidations…..don’t trust the reviews there about a company as that’s not enough…You need the INDIVIDUAL Loan Officers reviews that’s helping you to know if they can be counted on to deliver…..I’ve seen many a bad loan officer working for excellent companies…..The LO is your bread and butter to a successful loan transaction.

Statistics: Posted by DR1VENbyKNOWLEDGE — Sat Feb 18, 2017 6:50 pm


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Financial Issues • Home loan Education and Interest Rate Quotes.Free 4 Preppers

February 18, 2017 DR1VENbyKNOWLEDGE 0

So, let me be a help where I can for you…

First off this advice will be free and I don’t want to do a loan for you. (I only handle CA, but the advice I can offer you is good Nationwide)…I really want this to just be free advice from a source that you can trust since there will be nothing in it for me as my way of contributing to you all here that have so willingly helped me so much.

I have been doing a very high volume of loans for the last 8 years for one of the largest companies handling CA properties. I’ve been the Sr. LO leading the company for about the last 5 years.(normally in the top 3 every year if not #1)…I handle everything from beginning to end for the entire transaction. I’m not a “Phone Monkey” that you find at Quicken or Loan Depot….(I don’t like to talk negative about others but those 2 companies I see rip off people more than any others out there combined)

I handle Purchases, refinance, Cash out, jumbo, Super conforming, regular conforming, FHA, VA, consolidation loans, HELOCS, silent 2nd’s, etc…… ALL types of residential real estate except manufactured homes.

I understand thoroughly all things you need to watch out for in these transactions including, appraisal, income calculations(W2,Self-employment, partnerships, Pastor income, Corp., rental properties, retirement, etc. etc. etc…), Loan disclosures, underwriter decisions and calculations, Interest rate locks, federal guidelines, etc…..

In 8 years of working at the same company I’ve never received a single complaint. There are hundreds of of 5 star reviews written about me personally.(Sorry, you’re just going to have to take my word for it for OPSEC purposes here…lol. :p )

I AM SICK AND TIRED of seeing good people getting ripped off even when they think they have a good deal from a “family friend”, old loan company, big bank, or broker they trust or thought they could trust. Daily I get calls of someone double checking…In just the last 2 days I’ve helped a Vet save $16,000 in unnecessary fees at a lower rate in a VA Loan, and another gentlemen about 9K in a conventional Cash-Out Refinance…..BOTH WERE FROM “TRUSTED” SOURCES!!!!

This stuff is personal by nature so I will not be asking personal info to help you out….

***If you ever go online to get rate quotes, for Gods sake, don’t give your social security # to anyone until they have been FULLY VETTED or put in a real phone # or you will be hassled NON-STOP by about 10 companies! Almost all of them trying to charge you way to much or not having 2 brain cells to rub together and causing your loan to fail after you’ve already paid for an appraisal, or getting bait-and-switched.(***Disclaimer…There ARE good people out there of course. They just tend to be far and few in-between.. Always check PERSONNAL REVIEWS, not just the company ones.)

Anyways, This is my way to try and give back to you….Free advice and rate quotes from the cheapest wholesalers out there nationwide so if you do proceed with someone out there you will have both barrels loaded for battle.

Any general questions should go here for all to see……and specific, private info will be best in PM unless you don’t mind public answers. I’ll be happy to run “What if?” scenarios for you as well…

For any rate quotes you will need….
current mortgage balance.(all loans, separately)
estimated middle credit score.(Don’t run your credit)
type of property?
do you want any cash out?
is there a 2nd mortgage of any type even if you are leaving it alone?
taxes and insurance in an escrow account or no?(Impounds)
Estimated value of property?
primary residence, 2nd home, or rental?

Again everyone, I do not want your loan….I want to just stop the madness of people getting lied to and ripped off even from so called “Friends”…It goes against everything I’ve worked for over 8 years having one of the highest repeat and referral percentages out there……. “I may not tell you what you want to hear like others do just to get you to move forward, but I will ALWAYS tell you the truth.” ;)

Preppers got to help Preppers….This is what I can do in my area of expertise. Please be patience for a reply as any specific quotes I’ll be sending from in office…Answers I can handle anywhere.

Best wishes to you and your families,
~DR1VEN….

Statistics: Posted by DR1VENbyKNOWLEDGE — Sat Feb 18, 2017 11:47 am


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Guns • Re: Practicing Your Defensive Pistol Skills at Home

February 18, 2017 DR1VENbyKNOWLEDGE 0
rickdun wrote:

ReadyMom wrote:Question:? I was told (remember who, but not my instructor) that dry shooting is not good for a gun. -k

when dry firing a weapon, you use a snapcap, it’s a dummy round, in the caliber of the weapon you’re using, so you don’t hurt the inners of the weapon (firing pin, etc.). Most gun shops have them or can get them.

Almost any gun can handle dry firing now(of course read your manual for the exceptions)…. .22 caliber(Rim fire) are the ones you do not want to fire pretty much ever without a snapcap. It damages the firing pin.
but this is changing….Even my Ruger SR22 now though allows dryfiring….This is straight from the Ruger website….
Q: Can I dry fire my Ruger P-Series and .22 pistols?

A: Yes. All Ruger pistols can be dry fired without damage, and dry firing can be useful to familiarize the owner with the firearm. However, be sure any firearm is completely unloaded before dry firing!

At least 3 of my Glocks have about 3000-4000 dry fires without the use of snapcaps and there’s no issues as an example.

The snapcaps I use to get the full motion and range from draw, presentation/sight alignment, to trigger press, trigger reset, and re-holster..(Then rack and reload)…EVERY.SINGLE.TIME.

Even when clearing your weapon at the range should be used as an opportunity with all steps above practiced every time.(Every opportunity adds up to mussel memory perfection)

***CI…HUGE point I forgot to mention that you addressed….Retreat drills in the home.

Especially here in Comiefornia(Non-Castle state)….I have the distinct pleasure to have to retreat thru the entire house shouting “STOP OR I’LL SHOOT!!!” …thru the whole house, during a home invasion scenario and only being able to pull the trigger when I reach the last room with no other place to go and being in imminent fear of death…..lol..Even doing everything perfect which of course I pray I’d never have to, I’d still end up in jail here for a few days at the least most likely and sued by the perps family even with the perps lifetime documented history of being a thug…….SMH. :blink:

Statistics: Posted by DR1VENbyKNOWLEDGE — Fri Feb 17, 2017 11:01 pm


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Food & Water • Re: WHEAT – Price per pound?

February 17, 2017 DR1VENbyKNOWLEDGE 0
Murby wrote:

DR1VENbyKNOWLEDGE wrote:

Illini Warrior wrote:check for shipping with the LDS Church people … https://providentliving.lds.org/bc/prov … f?lang=eng

depending on your location you might be able to do a warehouse pickup …. https://providentliving.lds.org/self-re … s?lang=eng

Well would you look at that! LDS…I had no idea. 1 block from my house too and I’ve lived here all my life…..APN strikes again!!!! Thanks for queuing me into this resource…..”And the blind shall see”…lol

As much as I loath having any kind of association with any church, I did decide to find out what they charge for the wheat.

The 26lb buckets from Walmart w/free shipping still won.. But I’ll admit it was a close call and if the LDS was just a mile down the street, I might have reluctantly went for it.

lol…religion preferences aside, I think its a pretty cool resource. If its good stuff, helps me prep, doesn’t hurt anyone, I see no issues…Going to check them out.

Those LDS’s though….I cant tell you the amount of times I’ve found myself in a dark alley face to face with one reaching for my Glock out of sheer terror!!!….lol(totally kidding of course)….I don’t think they’re a bad group even as little I know of the specific religion.(There is a VERY funny SouthPark episode).

If they’re helping prep, there’s good tendencies there me thinks….I cant recall any terror alerts issued about them anyways…. ;)

Statistics: Posted by DR1VENbyKNOWLEDGE — Fri Feb 17, 2017 10:15 am


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First Aid & Medicine • Re: Anesthesia – How?

February 17, 2017 DR1VENbyKNOWLEDGE 0

Regardless of the discussions a forum might bring on homebrewed concoctions, it’s just too dangerous to have this discussion for the idiots that might read it later and think they’re a super educated DIY’er and kills an entire family at home accidently practicing their newfound internet skills….Not a good idea at all even if you didn’t care about the illegal aspect of it.

I agree with most here…more harm than good. Risk outweighs the benefits for the patient.

Don’t forget the versatility of a human to begin with…. https://en.wikipedia.org/wiki/Aron_Ralston

In grid-down/SHTF scenarios, there’s just going to be death in some situations period….You’ll do what you can, sure, of course….. But without sterile environments with trained medical personnel, in some situations you’re just going to die. End of story.

Statistics: Posted by DR1VENbyKNOWLEDGE — Fri Feb 17, 2017 9:53 am


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Guns • Re: Practicing Your Defensive Pistol Skills at Home

February 17, 2017 DR1VENbyKNOWLEDGE 0

Excellent points….If you’re not already doing this you need to start.

Muscle memory is a HUGE skill that needs development if you want to retain your skills. Just like eating while you read a paper…The fork finds it way to your mouth without you even thinking about it.

Dry firing practice puts you on target from holster without you even thinking about it. Enough practice and you’ll find yourself putting a round on target even before fully extending.

IDPA is a great, fun, competition to see these skills developed. I use SnapCaps at home in all platforms to give me an edge.

Clearing my house for the first time with a bump-in-the-night taught me how unprepared I was for how hard this specific layout left me exposed. I have a 3 way hallway with 4 doors at the intersection.
Really bad house with lots of angles for one person to clear effectively.

About 10 or so dry runs after that taught me the best way to clear this particular house with the least amount of exposure……Much better than finding this out at 2AM in the dark. ;)

Great points CI…..

.

Statistics: Posted by DR1VENbyKNOWLEDGE — Fri Feb 17, 2017 9:32 am


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Food & Water • Re: WHEAT – Price per pound?

February 16, 2017 DR1VENbyKNOWLEDGE 0
Illini Warrior wrote:
check for shipping with the LDS Church people … https://providentliving.lds.org/bc/prov … f?lang=eng

depending on your location you might be able to do a warehouse pickup …. https://providentliving.lds.org/self-re … s?lang=eng

Well would you look at that! LDS…I had no idea. 1 block from my house too and I’ve lived here all my life…..APN strikes again!!!! Thanks for queuing me into this resource…..”And the blind shall see”…lol

Statistics: Posted by DR1VENbyKNOWLEDGE — Thu Feb 16, 2017 11:06 am


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Barter and Sale section • Re: Ghost Gunner CNC mill

February 15, 2017 DR1VENbyKNOWLEDGE 0
straightshooter wrote:
Just a head’s up if anyone is into 80% paperweights.
Last summer I ordered a Ghost Gunner CNC mill and a handful of 80% lowers from Defense Distributed. Naturally my payment went right through. And so I waited. And I waited.
Finally in November I sent an email asking WTF? I received a prompt response telling me that the paperweights would ship shortly, imagine that!, and the mill would be out at the end of 4Q. Ok.
In Dec the lowers arrived, but no word on the status of the mill until I sent a snippy email at the end of January telling them to ship it or refund my money – this was a project I wanted wrapped up before Election Day FTLOJ! Finally they sent me a shipping confirmation link! And a promo email for the next version, or to upgrade an older model for a fee.
The machine arrived the next week well-packaged, but it’s too cold in my shop this time of year to do any work with it. Arrgh.

My point is that this company is obviously overextended and can’t manufacture fast enough to meet demand. If you have money to loan them to build previously ordered machines for other people, go ahead.
I guess I just have unrealistic expectations of companies actually having the product they offer for sale.
BTW, another company to watch out for – for certain products such as canned cheese and butter – is CampingSurvival.com, aka JRH Enterprises. I understand by being surprised by response to a sale, but every time?
And that’s why Amazon gets so much of my business, even items shipping from China arrive within a month!
*rant over*

You, my friend are RIGHT on point….Both companies….same thing. Dead on.

Adding to the rant….”Grunt Supply”….Same thing…massive shipping delays. I hate to knock a Veteran run company but you just need to be aware of non-mentioned shipping delays…(1 month or so)

Now on the other hand…..”Black rifle Coffee co”…..Hiring 10,000 Veterans in response to Starbucks(properly referred to as “Five-bucks” for the cost of each cup) statement of hiring 10,000 refugees….. BRCC puts a header right on the main web page stating at least a 3-4 week shipping delay for all the extra business from promising to hire 10,000 Veterans……. I promptly ordered $100 worth and told them in my notes of the order that I’d gladly wait 4 months for my coffee and support them for taking a stand….

*Rant just getting started….with my wallet. :)

Statistics: Posted by DR1VENbyKNOWLEDGE — Wed Feb 15, 2017 10:26 am


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Barter and Sale section • Re: Ghost Gunner CNC mill

February 15, 2017 DR1VENbyKNOWLEDGE 0
straightshooter wrote:
Just a head’s up if anyone is into 80% paperweights.
Last summer I ordered a Ghost Gunner CNC mill and a handful of 80% lowers from Defense Distributed. Naturally my payment went right through. And so I waited. And I waited.
Finally in November I sent an email asking WTF? I received a prompt response telling me that the paperweights would ship shortly, imagine that!, and the mill would be out at the end of 4Q. Ok.
In Dec the lowers arrived, but no word on the status of the mill until I sent a snippy email at the end of January telling them to ship it or refund my money – this was a project I wanted wrapped up before Election Day FTLOJ! Finally they sent me a shipping confirmation link! And a promo email for the next version, or to upgrade an older model for a fee.
The machine arrived the next week well-packaged, but it’s too cold in my shop this time of year to do any work with it. Arrgh.

My point is that this company is obviously overextended and can’t manufacture fast enough to meet demand. If you have money to loan them to build previously ordered machines for other people, go ahead.
I guess I just have unrealistic expectations of companies actually having the product they offer for sale.
BTW, another company to watch out for – for certain products such as canned cheese and butter – is CampingSurvival.com, aka JRH Enterprises. I understand by being surprised by response to a sale, but every time?
And that’s why Amazon gets so much of my business, even items shipping from China arrive within a month!
*rant over*

You, my friend are RIGHT on point….Both companies….same thing. Dead on.

Adding to the rant….”Grunt Supply”….Same thing…massive shipping delays. I hate to knock a Veteran run company but you just need to be aware of non-mentioned shipping delays…(1 month or so)

Now on the other hand…..”Black rifle Coffee co”…..Hiring 10,000 Veterans in response to Starbucks(properly referred to as “Five-bucks” for the cost of each cup) statement of hiring 10,000 refugees….. BRCC puts a header right on the main web page stating at least a 3-4 week shipping delay for all the extra business from promising to hire 10,000 Veterans……. I promptly ordered $100 worth and told them in my notes of the order that I’d gladly wait 4 months for my coffee and support them for taking a stand….

*Rant just getting started….with my wallet. :)

Statistics: Posted by DR1VENbyKNOWLEDGE — Wed Feb 15, 2017 10:26 am


:offtopic:

Natural Disasters • Re: CA: Oroville dam collapse feared

February 15, 2017 DR1VENbyKNOWLEDGE 0
Lance wrote:
Soooo……….that river goes right through the middle of Sacramento???

:rofl:

donba wrote:
A new storm coming in this weekend, so we lift the evacuation order on 250,000 sheep. it rains as expected and 250,000 sheep have to be herded out agin. Most of those idiots will not fuel up their cars and will once agin jam up everything. Break out the pop-corn another liberal funded show………

Egg-ZACH-TALLY!!!!

2 more days of heavy rain Friday and Saturday….. Idiots.

This is going to be very :offtopic: but in a way it’s not.
There has been at least 4 different books I’ve been reading that have tied in nicely with subjects here since joining in December. Prepper fiction. Fun stuff.

I know there’s a different area to mention them but this one just has to be mentioned in this thread….California idiocy, Dams coming down, drought, People hating CA, CA threating to succeed…. Good action, a believable look into the future.(2054 I think?)…..it’s all there. Excellent read but only 2 books in the series so far…They lasted me 2 weeks of spare time reading.

If you have Kindle Unlimited they’re free downloads….. “Fractured State” is book one, “Rouge State” is book two….Very enjoyable. https://www.amazon.com/Fractured-State-Book-ebook/dp/B018IAZMYW

Statistics: Posted by DR1VENbyKNOWLEDGE — Wed Feb 15, 2017 10:08 am


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Natural Disasters • Re: CA: Oroville dam collapse feared

February 15, 2017 DR1VENbyKNOWLEDGE 0
Lance wrote:
Soooo……….that river goes right through the middle of Sacramento???

:rofl:

donba wrote:
A new storm coming in this weekend, so we lift the evacuation order on 250,000 sheep. it rains as expected and 250,000 sheep have to be herded out agin. Most of those idiots will not fuel up their cars and will once agin jam up everything. Break out the pop-corn another liberal funded show………

Egg-ZACH-TALLY!!!!

2 more days of heavy rain Friday and Saturday….. Idiots.

This is going to be very :offtopic: but in a way it’s not.
There has been at least 4 different books I’ve been reading that have tied in nicely with subjects here since joining in December. Prepper fiction. Fun stuff.

I know there’s a different area to mention them but this one just has to be mentioned in this thread….California idiocy, Dams coming down, drought, People hating CA, CA threating to succeed…. Good action, a believable look into the future.(2054 I think?)…..it’s all there. Excellent read but only 2 books in the series so far…They lasted me 2 weeks of spare time reading.

If you have Kindle Unlimited they’re free downloads….. “Fractured State” is book one, “Rouge State” is book two….Very enjoyable. https://www.amazon.com/Fractured-State-Book-ebook/dp/B018IAZMYW

Statistics: Posted by DR1VENbyKNOWLEDGE — Wed Feb 15, 2017 10:08 am


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Natural Disasters • Re: CA: Oroville dam collapse feared

February 14, 2017 DR1VENbyKNOWLEDGE 0
BK in KC wrote:
I pray that there is no loss of life. I know we like to make fun of California as full of hippy liberals but the truth is that California is a big state and northern CA (where this dam is) is fairly conservative. These people don’t deserve this.

Having said that, CA has wasted something like $3 billion on high-speed rail that nobody needs but couldn’t be bothered to properly maintain this dam even after repeated warnings that something like this was inevitable. Now Governor Brown wants federal disaster relief money to fix this mess that he and his cronies made. No.

Listen, I don’t want any loss of life or homes of course, BUT SCREW CA!!!!

I live here.

We have NO ONE to blame or cry too(The amount of liberal tears here are already enough to blow thru all our dams) but ourselves.
Screw Brown. Screw all of SF, LA, Sacramento, and every self proclaimed sanctuary city in the entire state!!!!….They want to flaunt federal law but come crying for federal funds at the drop of a hat. F THEM!

Decades of mismanagement is the issue here. There were years and years and years of time to fix this problem during the drought and it was noted an issue over 12 years ago…they did NOTHING!!!

This is an “Emergency of self made Chaos” buy allocating taxpayer funds in the wrong areas thru mismanagement and fleecing the taxpayer coffers with out and out thievery…..like for example the hiring of ERIC HOLDER to “Save us from Trump”…..Give me a F’ing break……….SMH.

F them.
F them.
F them.

Now ask me how I really feel….. :rofl:

.

Statistics: Posted by DR1VENbyKNOWLEDGE — Tue Feb 14, 2017 10:38 am


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Vacuum Sealing • Re: Looking for a bag sealer, not a foodsaver

February 14, 2017 DR1VENbyKNOWLEDGE 0

bag sealers are expensive…

Enter the notorious “El’ CheapO” currently being extradited to the US…. :gunshooting:

A couple of O2 absorbers thrown in and something like this….. https://www.amazon.com/gp/product/B003S516XO/ref=s9_acsd_top_hd_bw_bkOl3_c_x_2_w?pf_rd_m=ATVPDKIKX0DER&pf_rd_s=merchandised-search-2&pf_rd_r=H6SWEZ71Q8ZNPM1V8JF1&pf_rd_r=H6SWEZ71Q8ZNPM1V8JF1&pf_rd_t=101&pf_rd_p=b65f88b8-a9b0-4ef0-99b1-a07467ab5ce2&pf_rd_p=b65f88b8-a9b0-4ef0-99b1-a07467ab5ce2&pf_rd_i=11058261

you can also find one at your local Walmart or Riteaid/Wallgreens

Keeps the wallet intact and leaves regular iron Mylar free….

Statistics: Posted by DR1VENbyKNOWLEDGE — Tue Feb 14, 2017 10:02 am


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Forum Announcements • Re: Has anyone else had trouble logging in?

February 14, 2017 DR1VENbyKNOWLEDGE 0
rebnavy1862 wrote:
Yes, I did have a problem last week, but not now. The site changed the “r” in my user name to a capital “R”. Would not accept my old user name. Then, it just corrected itself.
Reb
thought I was being banned

lol…..If you go, we all go Reb!!!!…..Down with the man! ;)

No issues here everyday since I joined..Multiple different computers/phone/ all Cached passwords for login …. 3 different web browsers(Firefox, I.E., and Chrome) ……..Code 4

Statistics: Posted by DR1VENbyKNOWLEDGE — Tue Feb 14, 2017 9:52 am


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Home School • Re: Home school Pros Vs. Cons…The dumbing down of our chil

February 11, 2017 DR1VENbyKNOWLEDGE 0
anita wrote:

Gunns wrote:My sister home schooled all three of her kids. Two of them went on to college but had to take 3 years of classes just to catch up. They both were in college for over 6 years.

So home school isn’t all that unless you can teach everything that a public school or charter school can teach. As far a public schools now days it shouldn’t be all that tough to out do them.

As I mentioned before, I have seen people who homeschooled their kids, and since nobody liked math, they didn’t bother much with math.

If you are going to home school properly, you need a big commitment. It is almost a full-time job for one parent, and it will require hiring tutors/taking outside classes in areas the parent isn’t competent in. I do know of parents who banded together. One parent was a writer, did the English. One spoke Spanish fluently, was the Spanish instructor, etc. So they almost formed their own little school for certain subjects.

I will also say that my evil mother-in-law decided to “home-school” her youngest, my husband’s half-sister. She basically did nothing and let the kid read books all year. She was a smart girl, and ended up passing her GED, but she was essentially a high school drop-out who read a lot. The mil just called it home-schooling.

So, there are all sorts. (Don’t be THAT sort!)

No intention of being that sort… ;) Can’t even fathom it actually……but then again, we’ll have to be critical of ourselves…Eyes wide open :eek:

rickdun wrote:
My wife’s sister and husband home schooled their son (only child), he is very intelligent and is going to college now, but, he cannot make any friends, is not in any activities, nor was he when being home schooled. The kid led a very sheltered life under his mothers apron strings and has no idea of what’s going on in the outside world, I feel bad for the kid.

That’s an excellent point Rickdun….Something that will be our major focus will be social involvement and extracurricular activities and weekly fieldtrips. With the accelerated learning we intend/imagine, the “days off/field trips” will be socialization exercises while giving “book breaks” for mom and student so there’s less chance of burn out.

We will, at the drop of a hat of course, correct any developing issues or enroll in Private if we’re not keeping up with her growth or normal socialization requirements for living a balanced well adjusted life.

Thank you for the input sir!…We agree to watch this subject closely. :thumbup:

contrarian wrote:

Gunns wrote:My sister home schooled all three of her kids. Two of them went on to college but had to take 3 years of classes just to catch up. They both were in college for over 6 years.

So home school isn’t all that unless you can teach everything that a public school or charter school can teach. As far a public schools now days it shouldn’t be all that tough to out do them.

I’ve met a lot of homeschoolers over the years. In one instance I saw happening what you described — because the parents weren’t teaching, inspiring, or pushing the children. Rather they wanted the kids as a labor source and didn’t care about their education. Another possible flaw might be in a parent or child where their personality is such they are able to work with each other. Some parents aren’t suited to teaching whom they parent (I wasn’t) some children can’t separate the parent role from the child role and so on.

Can failures happen in homeschooling? Sure, but I think the failure rate is much higher in the public school. Why do some kids succeed in a public school? Same reason homeschoolers are generally more successful — involvement of the parents.

EXCELLENT points and something we agree upon…. We think this is something we would do quite well for her, but, who goes into this thinking differently??? It’s going to be essential for us to approach this with eyes wide open with an honest look into criticizing ourselves without letting ego interfere….. Ego, is not your amigo. ;)

Again all, thank you for your input. :thumbup::thumbsup::thumbup:

Statistics: Posted by DR1VENbyKNOWLEDGE — Sat Feb 11, 2017 1:09 pm


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Guns • The Gunfighter….Some might get offended.

February 11, 2017 DR1VENbyKNOWLEDGE 0

.

“The best short movie ever”….(so they claim)

OK, I just ran across this diddy…lol

Be warned in advance it’s a bit crass but I just had to share as it made me LOL. :rofl::rofl::rofl:

We’re all adults here so I’m sure you can handle it…

If you ever felt the need to retreat to a “Safe Space” or were happy with your “Participation Trophy” do us all a favor and don’t click the link. ;)

Last chance….here’s your :nuke: ” Trigger warning ” :nuke: . ………….Proceed to “The Gunfighter”……. https://www.youtube.com/watch?v=TXfltmzRG-g

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Statistics: Posted by DR1VENbyKNOWLEDGE — Sat Feb 11, 2017 12:27 pm


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Home School • Re: Home school Pros Vs. Cons…The dumbing down of our chil

February 10, 2017 DR1VENbyKNOWLEDGE 0

never mind all…I already found this…. http://www.onlinecollege.org/2012/06/11/the-homeschoolers-guide-to-getting-into-college/

Thanks for the heads up Gunns but you’re more correct in that it’s no longer the case about college entry…. Seems from the above link they’re recruiting homeschoolers more even more aggressively than publicly educated kids now…..I’ll do more research on it to be sure. Thanks for the input.

Statistics: Posted by DR1VENbyKNOWLEDGE — Fri Feb 10, 2017 9:55 am


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Home School • Re: Home school Pros Vs. Cons…The dumbing down of our chil

February 10, 2017 DR1VENbyKNOWLEDGE 0
Gunns wrote:
My sister home schooled all three of her kids. Two of them went on to college but had to take 3 years of classes just to catch up. They both were in college for over 6 years.

So home school isn’t all that unless you can teach everything that a public school or charter school can teach. As far a public schools now days it shouldn’t be all that tough to out do them.

Really????….This is something I’ve never heard.

I do have a very limited exposure to it still but I thought there is basic curriculum and testing done in home school lesson plans that stops this from happening…… I mean, I had an “F” average if not “Incomplete” from 7th thru 9th, I dropped out in the 9th grade. I took a single JOKE of a test in 1 afternoon without any studying, passed the GED, and attended college with that cert alone….

How is what you say possible? Is there something I’m missing here GUNNS?.. Different rules by state??….anyone?

Statistics: Posted by DR1VENbyKNOWLEDGE — Fri Feb 10, 2017 9:45 am


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Urban/Suburban Survival • Re: Traveling the railroads

February 10, 2017 DR1VENbyKNOWLEDGE 0
Gunns wrote:

rebnavy1862 wrote:

donba wrote:Out here in the west there are lots of tunnels. Mite be a good place to over nite……..

Just keep an eye out for the light at the end of the tunnel, because…………….
Reb

Zombies like tunnels.

“No Sanctuary” on railways…..Too many have discussed this. It will be a ambush point with all the travelers trying to avoid obvious points…..And yes, Zombies. :rofl:

https://en.wikipedia.org/wiki/No_Sanctuary_(The_Walking_Dead)

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Statistics: Posted by DR1VENbyKNOWLEDGE — Fri Feb 10, 2017 9:32 am


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Home School • Re: Home school Pros Vs. Cons…The dumbing down of our chil

February 10, 2017 DR1VENbyKNOWLEDGE 0

Oh yes…. I can quote you ALL…..Mwahahaaaa.

North County Guy wrote:
I have to agree with you, especially here in Commiefornia.

I do believe they need the Socialization, friends.

Ya…Especially here but planning being gone long before she’s of that age. I think the socialization issue has disappeared since there’s so many home schooled now….Private will be my 2nd option as of now.

Thanks for the input! :)

anita wrote:
.

Our youngest started in public school, and we switched him to the same prep school as his siblings in fifth grade (they were then out of, or nearly out of, college.)
At that point the private school was not worth the money. The school, while always liberal, had become extreme. At one point I wanted to home school, and my husband said that was crazy, due to the socialization aspect. But two years later, he suggested we home school. (At that point our son was in tenth grade and unmotivated. Not a good candidate for home schooling.) The school has gone way whacko crazy. The teachers are blatant leftists (crying in the classroom the day after the election, suggesting that Trump would create internment camps for gays, etc.) The kids are brainwashed with a leftist ideology. I was at a school meeting where high schoolers made a presentation. It made me sick to hear the total brainwashing–like mind-numbed robots. My son and his conservative friends are demeaned and some teachers mark them down etc. (There are also excellent teachers, but not this younger crop that has come in over the last 5 or so years.)

So that’s my experience. Here’s my opinion. If I had it to do over, I’d home school. These days there are so many homeschoolers that I don’t think socialization is a problem. Just as important, you’ll share some classes with like-minded parents who are committed to their kids’ education.

Hope that helps. Good luck!

Exactly my thoughts and opinion with the research I’ve done…..EXCELLENT feedback….Thanks Anita, and yes it helps a lot. :)

Argus wrote:
Indoctrinate them early and they’ll be sheep when they reach voting age, its the liberal way. My siblings home school, they have a lot of say on curriculum. Meaningful field trips, and home school groups so there is ample opportunity for socialization, opportunity to compete in forensics, speech, debate, sports, etc. in high school. You get out of it what you put into it, so if you go “all in” your kids will definitely benefit. My 2 cents anyway, your mileage may vary.

Exactly….Thank you VERY much for your $.02….. Really appreciated.

Cast Iron wrote:
I have a good friend who home schooled his children.
They were impressive.

His eldest was very mature, well poised, and years ahead of kids of the same age in public schools.

Their group had a excellent social interaction set up. They even had a student council. Physical activities as well.

I think it is a question of finding a good group in your area.

Thanks CI….as always, you’re on point. Student council…Hmmm…hadn’t heard of that before. :thumbup:

IceFire wrote:
Here’s the take of a former substitute teacher. I was always frustrated at the lack of learning going on. In some cases, it was the kids not caring enough to learn. In some, it was lousy teachers. Case in point…I subbed in a HS History class (majored in PoliSci/Social Science, so it was an easy class for me.) Regular teacher left NO lesson plans, so I found out where they were SUPPOSED to be, and actually TAUGHT the class. Afterward, the students said “Why can’t you be our teacher ALL of the time? We’ve learned more from you in this class than we’ve learned from him ALL YEAR!” Apparently, the teacher was more concerned with coaching one of the sports teams than he was in actually teaching the class. Pathetic.
It’s no wonder our schools are failing.

On the other hand, I know a LOT of people who home school. Their kids are working at levels FAR above kids their age. As for socialization, they were involved with Community Theater, (working with people of ALL ages), dance classes, music, sports, etc. so had PLENTY of interaction with others. Some that I know do our local Farmer’s Market…the kids are selling their products, making change CORRECTLY (math skills, that too many of the kids in the public HS can’t manage), interacting with the public, etc.

The home schooled kids that I know are better adjusted, better educated, more involved, better behaved, and better mannered than the kids in the public schools.

Thank you for the insider perspective IceFire….I’ve seen the teacher issue first hand…I saw they didn’t care, the kids around me didn’t care, so why should I???

I just kept getting passed on to the next year without any education….became so hostile I dropped out in 9th grade and did the GED(Joke of a test BTW…a monkey could pass that thing)….I got out in the real world at an early age but suffered without any direction into my 30’s(Dad passed in 6th grade and Mom had to work graveyard to support us so not really parents fault. ;) )…..Thank GOD I was actually blessed with a OK IQ with a love for reading and educated myself as I cant even imagine where I’d be now in life if I didn’t….

I have to avoid these issues at all cost for my little girl….1st hand experience from me on these failings….Nothing teaches you fire is hot like a burned hand. :x

You all are amazing….as always you freely spend your time helping us with debating and life decisions. I cant remember finding more helpful people in one place ever before including multiple forums I’ve visited in the past….The Mrs. DR1VEN is going to appreciate reading this.

Please keep the comments coming if anyone else cares to contribute.

:thumbsup::thumbsup::thumbsup: Thank you Thank you Thank you…as always! :thumbsup::thumbsup::thumbsup:

Statistics: Posted by DR1VENbyKNOWLEDGE — Thu Feb 09, 2017 10:26 pm


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Terrorism & other Man made disasters • Re: The klan is planning to ramp up recruitment

February 10, 2017 DR1VENbyKNOWLEDGE 0
Cast Iron wrote:
Of mixed race myself.

The KKK, and their like, are truly deplorable.

Does anyone have any real visibility on their actual numbers? I may be naive in this respect, but I am going to go out on a limb and say their actual numbers are less than LBGTQ . . . whatever, I cannot keep up with the rest of that acronym, community.

I have no doubt they are out there. Their type always are. I just do not see them as being a significant threat to society.

These days, they’re no more dangerous to the general public than say, Black Lives Matter….Actually, you could argue BLM(another acronym) and the freaks they are tending to attract is way more dangerous than KKK, Black Panthers, etc.etc.etc….(not that either of those groups are less hateful)

They seem to be on the front lines daily with the obvious few idiots stoking the flames.(Dallas, Chicago, etc. rings a bell)

I cant remember the last time the KKK or Black Panthers were in the headlines for violence or murder…….. BLM? That’s another story….

Statistics: Posted by DR1VENbyKNOWLEDGE — Thu Feb 09, 2017 8:59 pm


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Home School • Home school Pros Vs. Cons…The dumbing down of our children

February 9, 2017 DR1VENbyKNOWLEDGE 0

Hi all…

I’m looking for advice from parents here…

I’ve long been leery of the systematic dumbing down of our children put into place since the 60’s. (A free, thinking, society is an uncontrollable society…)

The public school system failed me and many others in my middle income neighborhood I was raised in…. now 25 years later it is clearly worse. No child left behind means push them thru to the next teacher and they’re not your problem anymore(High school kids that cant read, don’t even know what a check book looks like, doesn’t even know what the 3 branches of government looks like, and now common core, etc…)

We’ve already decided home school/ Private school for our 18 month old(Wife was a toddler teacher for 16 years) to give our little girl the best chances at life with a proper education that can be applied in the real world vs thrown to the wolves….

Now I see this and it reminds me of the issue currently facing me here….It’s not an Obama thing….This has been happening for decades. http://www.foxnews.com/opinion/2017/02/09/americas-kids-got-more-stupid-in-reading-math-and-science-while-team-obama-was-in-charge.html

So here’s the question…..What are your thoughts, PRO Vs. CONS?

Socialization?
Integration?
education speed?
lack of friends?
Cost vs. just paying taxes?
The growth of the home school in America vs. when you might have done it? (Field trips/group meet ups, etc…)

Please mention any practical experience you might have in this area…..I really want to go into this “Eye’s wide open” :eek:

Feel free to debate as I want this an open discussion even if you didn’t home school… just play nice. ;)

Thanks you guys so much in advance…

~~~DR1VEN

Statistics: Posted by DR1VENbyKNOWLEDGE — Thu Feb 09, 2017 12:12 pm


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Introduce Yourself • Re: Reintroduction

February 9, 2017 DR1VENbyKNOWLEDGE 0

I will leave you all behind…It’s every man, woman, child, and dog for themselves getting out of here ASAP….lol. :wave:

Orange County here, and yes, leaving ASAP…..nice to meet you NCG.

Reminder for you two…The last rational mind to leave CA has to close the door at the AZ border. :p

Statistics: Posted by DR1VENbyKNOWLEDGE — Wed Feb 08, 2017 11:56 pm


:wave:

Introduce Yourself • Re: Reintroduction

February 9, 2017 DR1VENbyKNOWLEDGE 0

I will leave you all behind…It’s every man, woman, child, and dog for themselves getting out of here ASAP….lol. :wave:

Orange County here, and yes, leaving ASAP…..nice to meet you NCG.

Reminder for you two…The last rational mind to leave CA has to close the door at the AZ border. :p

Statistics: Posted by DR1VENbyKNOWLEDGE — Wed Feb 08, 2017 11:56 pm