[jficquette]

[quote=CardiffBaseball]If you have good looking boys maybe they’ll have the cheerleading sqaud over…. Of course now that I am 40 I find that even the high school seniors look too young, so maybe that wouldn’t be a side benefit.

But the cheerleaders do often have hot moms….[/quote]

You dog. I know man. I never thought 40 yo women could look so young lol.

John

[jficquette]

[quote=CardiffBaseball]If you have good looking boys maybe they’ll have the cheerleading sqaud over…. Of course now that I am 40 I find that even the high school seniors look too young, so maybe that wouldn’t be a side benefit.

But the cheerleaders do often have hot moms….[/quote]

You dog. I know man. I never thought 40 yo women could look so young lol.

John

[jficquette]

[quote=CardiffBaseball]If you have good looking boys maybe they’ll have the cheerleading sqaud over…. Of course now that I am 40 I find that even the high school seniors look too young, so maybe that wouldn’t be a side benefit.

But the cheerleaders do often have hot moms….[/quote]

You dog. I know man. I never thought 40 yo women could look so young lol.

John

[jficquette]

[quote=CardiffBaseball]If you have good looking boys maybe they’ll have the cheerleading sqaud over…. Of course now that I am 40 I find that even the high school seniors look too young, so maybe that wouldn’t be a side benefit.

But the cheerleaders do often have hot moms….[/quote]

You dog. I know man. I never thought 40 yo women could look so young lol.

John

[jficquette]

[quote=CardiffBaseball]If you have good looking boys maybe they’ll have the cheerleading sqaud over…. Of course now that I am 40 I find that even the high school seniors look too young, so maybe that wouldn’t be a side benefit.

But the cheerleaders do often have hot moms….[/quote]

You dog. I know man. I never thought 40 yo women could look so young lol.

John

[jficquette]

[quote=davelj][quote=scaredycat]it’s just funny that their decision is so utterly irrational in terms of risk management. [/quote]

Actually, this is one of the MORE rational decisions I’ve seen by a financial institution in the recent insanity. Pay off the $50K and I bet you’ll see your credit limit on the Barnes & Noble card increase. This is the price you pay for financial gamesmanship. 2.5% on $50K is $1,250 pre-tax. After tax, probably $900 or so. And you’re having to pay down the balance with a minimum payment, so you’re not getting the full $900 in the first place. And we’re assuming you didn’t have to pay a 3% transaction fee to get the $50K, which is highly unusual. All in all seems like waste of time given the hassle involved and the pittance of a return. I mean, why bother? I don’t get it.[/quote]

I know. I got a friend who does the same stuff. He goes around getting these zero percent cards. I think he got 3 total. He takes the money out and puts in CD’s. By the time you pay all the hidden costs and taxes and encumber your credit its not worth it at all.

What makes evern nuttier with him is he has about $2m in cash and his daddy who is in his early 80’s has about $20m in cash and stuff.

John

[jficquette]

[quote=davelj][quote=scaredycat]it’s just funny that their decision is so utterly irrational in terms of risk management. [/quote]

Actually, this is one of the MORE rational decisions I’ve seen by a financial institution in the recent insanity. Pay off the $50K and I bet you’ll see your credit limit on the Barnes & Noble card increase. This is the price you pay for financial gamesmanship. 2.5% on $50K is $1,250 pre-tax. After tax, probably $900 or so. And you’re having to pay down the balance with a minimum payment, so you’re not getting the full $900 in the first place. And we’re assuming you didn’t have to pay a 3% transaction fee to get the $50K, which is highly unusual. All in all seems like waste of time given the hassle involved and the pittance of a return. I mean, why bother? I don’t get it.[/quote]

I know. I got a friend who does the same stuff. He goes around getting these zero percent cards. I think he got 3 total. He takes the money out and puts in CD’s. By the time you pay all the hidden costs and taxes and encumber your credit its not worth it at all.

What makes evern nuttier with him is he has about $2m in cash and his daddy who is in his early 80’s has about $20m in cash and stuff.

John

[jficquette]

[quote=davelj][quote=scaredycat]it’s just funny that their decision is so utterly irrational in terms of risk management. [/quote]

Actually, this is one of the MORE rational decisions I’ve seen by a financial institution in the recent insanity. Pay off the $50K and I bet you’ll see your credit limit on the Barnes & Noble card increase. This is the price you pay for financial gamesmanship. 2.5% on $50K is $1,250 pre-tax. After tax, probably $900 or so. And you’re having to pay down the balance with a minimum payment, so you’re not getting the full $900 in the first place. And we’re assuming you didn’t have to pay a 3% transaction fee to get the $50K, which is highly unusual. All in all seems like waste of time given the hassle involved and the pittance of a return. I mean, why bother? I don’t get it.[/quote]

I know. I got a friend who does the same stuff. He goes around getting these zero percent cards. I think he got 3 total. He takes the money out and puts in CD’s. By the time you pay all the hidden costs and taxes and encumber your credit its not worth it at all.

What makes evern nuttier with him is he has about $2m in cash and his daddy who is in his early 80’s has about $20m in cash and stuff.

John

[jficquette]

[quote=davelj][quote=scaredycat]it’s just funny that their decision is so utterly irrational in terms of risk management. [/quote]

Actually, this is one of the MORE rational decisions I’ve seen by a financial institution in the recent insanity. Pay off the $50K and I bet you’ll see your credit limit on the Barnes & Noble card increase. This is the price you pay for financial gamesmanship. 2.5% on $50K is $1,250 pre-tax. After tax, probably $900 or so. And you’re having to pay down the balance with a minimum payment, so you’re not getting the full $900 in the first place. And we’re assuming you didn’t have to pay a 3% transaction fee to get the $50K, which is highly unusual. All in all seems like waste of time given the hassle involved and the pittance of a return. I mean, why bother? I don’t get it.[/quote]

I know. I got a friend who does the same stuff. He goes around getting these zero percent cards. I think he got 3 total. He takes the money out and puts in CD’s. By the time you pay all the hidden costs and taxes and encumber your credit its not worth it at all.

What makes evern nuttier with him is he has about $2m in cash and his daddy who is in his early 80’s has about $20m in cash and stuff.

John

[jficquette]

[quote=davelj][quote=scaredycat]it’s just funny that their decision is so utterly irrational in terms of risk management. [/quote]

Actually, this is one of the MORE rational decisions I’ve seen by a financial institution in the recent insanity. Pay off the $50K and I bet you’ll see your credit limit on the Barnes & Noble card increase. This is the price you pay for financial gamesmanship. 2.5% on $50K is $1,250 pre-tax. After tax, probably $900 or so. And you’re having to pay down the balance with a minimum payment, so you’re not getting the full $900 in the first place. And we’re assuming you didn’t have to pay a 3% transaction fee to get the $50K, which is highly unusual. All in all seems like waste of time given the hassle involved and the pittance of a return. I mean, why bother? I don’t get it.[/quote]

I know. I got a friend who does the same stuff. He goes around getting these zero percent cards. I think he got 3 total. He takes the money out and puts in CD’s. By the time you pay all the hidden costs and taxes and encumber your credit its not worth it at all.

What makes evern nuttier with him is he has about $2m in cash and his daddy who is in his early 80’s has about $20m in cash and stuff.

John

[jficquette]

[quote=george]$250 per month to run the pump??!! According to a source I found it’s more like $20/month.

I don’t know how much it costs to run our pool pump, but when I read the post saying $250/month got me concerned enough to check into it. We have a typical size pool (pool builders call it standard size). We run our 1HP pump an average of 5 hrs/day (6 hrs/day in summer and 4 hrs/day in winter). I found a May 2008 chart on-line ( http://www.mid.org/services/save/poolPumpCost0805e.pdf )that shows the power costs for Modesto. I don’t live there, but I figure my area can’t be that different. According to the chart it costs me an average of $20 per month to run the pump. We have solar heating so heatings free. The pool man cost $50 per month.[/quote]

That looks about right. I ran my pumps 14 hours a day because it was 11 feet at the deep end. Never build a deep pool.

My pump used 3.5 horsepower so 750 watts a horsepower for 14 hours a day is about $7.00 a day x 30 or $210 +-

Now add in the gas to heat it and you get another $200-300 a month.

Here is an exercise I found on the Internet on how much it costs for a light bulb:

“A 60 Watt light bulb uses 60 Watts of power in a period of one hour or 60 Watts in one minute or 60 Watts in one second or 60 Watts during any period of time.”

“How much total energy a 60 Watt light bulb “consumes”, which is the amount of electricity that has to be paid-for, is measured in Watt-hours. So a 60 Watt bulb consumes 60 Watt-hours in one hour, or 60 x 24 = 1440 Watt-hours if it is left switched on for 24 hours in one day.

That is the same as 1.44 kiloWatt-hours (kW-h), so, if you look up what your electricity supplier charges for 1 kW-h you can figure out how much it would cost you in money. If 1 kW-h costs you 25 cents, then leaving a 60 Watt light bulb switched on for 24 hours would cost you 1.44 x 25 = 36 cents.”

John

[jficquette]

[quote=george]$250 per month to run the pump??!! According to a source I found it’s more like $20/month.

I don’t know how much it costs to run our pool pump, but when I read the post saying $250/month got me concerned enough to check into it. We have a typical size pool (pool builders call it standard size). We run our 1HP pump an average of 5 hrs/day (6 hrs/day in summer and 4 hrs/day in winter). I found a May 2008 chart on-line ( http://www.mid.org/services/save/poolPumpCost0805e.pdf )that shows the power costs for Modesto. I don’t live there, but I figure my area can’t be that different. According to the chart it costs me an average of $20 per month to run the pump. We have solar heating so heatings free. The pool man cost $50 per month.[/quote]

That looks about right. I ran my pumps 14 hours a day because it was 11 feet at the deep end. Never build a deep pool.

My pump used 3.5 horsepower so 750 watts a horsepower for 14 hours a day is about $7.00 a day x 30 or $210 +-

Now add in the gas to heat it and you get another $200-300 a month.

Here is an exercise I found on the Internet on how much it costs for a light bulb:

“A 60 Watt light bulb uses 60 Watts of power in a period of one hour or 60 Watts in one minute or 60 Watts in one second or 60 Watts during any period of time.”

“How much total energy a 60 Watt light bulb “consumes”, which is the amount of electricity that has to be paid-for, is measured in Watt-hours. So a 60 Watt bulb consumes 60 Watt-hours in one hour, or 60 x 24 = 1440 Watt-hours if it is left switched on for 24 hours in one day.

That is the same as 1.44 kiloWatt-hours (kW-h), so, if you look up what your electricity supplier charges for 1 kW-h you can figure out how much it would cost you in money. If 1 kW-h costs you 25 cents, then leaving a 60 Watt light bulb switched on for 24 hours would cost you 1.44 x 25 = 36 cents.”

John

[jficquette]

[quote=george]$250 per month to run the pump??!! According to a source I found it’s more like $20/month.

I don’t know how much it costs to run our pool pump, but when I read the post saying $250/month got me concerned enough to check into it. We have a typical size pool (pool builders call it standard size). We run our 1HP pump an average of 5 hrs/day (6 hrs/day in summer and 4 hrs/day in winter). I found a May 2008 chart on-line ( http://www.mid.org/services/save/poolPumpCost0805e.pdf )that shows the power costs for Modesto. I don’t live there, but I figure my area can’t be that different. According to the chart it costs me an average of $20 per month to run the pump. We have solar heating so heatings free. The pool man cost $50 per month.[/quote]

That looks about right. I ran my pumps 14 hours a day because it was 11 feet at the deep end. Never build a deep pool.

My pump used 3.5 horsepower so 750 watts a horsepower for 14 hours a day is about $7.00 a day x 30 or $210 +-

Now add in the gas to heat it and you get another $200-300 a month.

Here is an exercise I found on the Internet on how much it costs for a light bulb:

“A 60 Watt light bulb uses 60 Watts of power in a period of one hour or 60 Watts in one minute or 60 Watts in one second or 60 Watts during any period of time.”

“How much total energy a 60 Watt light bulb “consumes”, which is the amount of electricity that has to be paid-for, is measured in Watt-hours. So a 60 Watt bulb consumes 60 Watt-hours in one hour, or 60 x 24 = 1440 Watt-hours if it is left switched on for 24 hours in one day.

That is the same as 1.44 kiloWatt-hours (kW-h), so, if you look up what your electricity supplier charges for 1 kW-h you can figure out how much it would cost you in money. If 1 kW-h costs you 25 cents, then leaving a 60 Watt light bulb switched on for 24 hours would cost you 1.44 x 25 = 36 cents.”

John

[jficquette]

[quote=george]$250 per month to run the pump??!! According to a source I found it’s more like $20/month.

I don’t know how much it costs to run our pool pump, but when I read the post saying $250/month got me concerned enough to check into it. We have a typical size pool (pool builders call it standard size). We run our 1HP pump an average of 5 hrs/day (6 hrs/day in summer and 4 hrs/day in winter). I found a May 2008 chart on-line ( http://www.mid.org/services/save/poolPumpCost0805e.pdf )that shows the power costs for Modesto. I don’t live there, but I figure my area can’t be that different. According to the chart it costs me an average of $20 per month to run the pump. We have solar heating so heatings free. The pool man cost $50 per month.[/quote]

That looks about right. I ran my pumps 14 hours a day because it was 11 feet at the deep end. Never build a deep pool.

My pump used 3.5 horsepower so 750 watts a horsepower for 14 hours a day is about $7.00 a day x 30 or $210 +-

Now add in the gas to heat it and you get another $200-300 a month.

Here is an exercise I found on the Internet on how much it costs for a light bulb:

“A 60 Watt light bulb uses 60 Watts of power in a period of one hour or 60 Watts in one minute or 60 Watts in one second or 60 Watts during any period of time.”

“How much total energy a 60 Watt light bulb “consumes”, which is the amount of electricity that has to be paid-for, is measured in Watt-hours. So a 60 Watt bulb consumes 60 Watt-hours in one hour, or 60 x 24 = 1440 Watt-hours if it is left switched on for 24 hours in one day.

That is the same as 1.44 kiloWatt-hours (kW-h), so, if you look up what your electricity supplier charges for 1 kW-h you can figure out how much it would cost you in money. If 1 kW-h costs you 25 cents, then leaving a 60 Watt light bulb switched on for 24 hours would cost you 1.44 x 25 = 36 cents.”

John

[jficquette]

[quote=george]$250 per month to run the pump??!! According to a source I found it’s more like $20/month.

I don’t know how much it costs to run our pool pump, but when I read the post saying $250/month got me concerned enough to check into it. We have a typical size pool (pool builders call it standard size). We run our 1HP pump an average of 5 hrs/day (6 hrs/day in summer and 4 hrs/day in winter). I found a May 2008 chart on-line ( http://www.mid.org/services/save/poolPumpCost0805e.pdf )that shows the power costs for Modesto. I don’t live there, but I figure my area can’t be that different. According to the chart it costs me an average of $20 per month to run the pump. We have solar heating so heatings free. The pool man cost $50 per month.[/quote]

That looks about right. I ran my pumps 14 hours a day because it was 11 feet at the deep end. Never build a deep pool.

My pump used 3.5 horsepower so 750 watts a horsepower for 14 hours a day is about $7.00 a day x 30 or $210 +-

Now add in the gas to heat it and you get another $200-300 a month.

Here is an exercise I found on the Internet on how much it costs for a light bulb:

“A 60 Watt light bulb uses 60 Watts of power in a period of one hour or 60 Watts in one minute or 60 Watts in one second or 60 Watts during any period of time.”

“How much total energy a 60 Watt light bulb “consumes”, which is the amount of electricity that has to be paid-for, is measured in Watt-hours. So a 60 Watt bulb consumes 60 Watt-hours in one hour, or 60 x 24 = 1440 Watt-hours if it is left switched on for 24 hours in one day.

That is the same as 1.44 kiloWatt-hours (kW-h), so, if you look up what your electricity supplier charges for 1 kW-h you can figure out how much it would cost you in money. If 1 kW-h costs you 25 cents, then leaving a 60 Watt light bulb switched on for 24 hours would cost you 1.44 x 25 = 36 cents.”

John

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