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Picasso3

Silver Baronet of the Realm
11,333
5,322
Move to sc Mist, there are no natural disasters, your mother will die at 65, and we'll beat the gay out of you.
 
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Mist

REEEEeyore
<Gold Donor>
31,202
23,396
Look into a consolidation loan from a local bank.

Credit card interest starts to get TRULY redonkulous. Even if the bank will only give you a couple of points, that adds up.

Alternatively, if you don't mind 7 years of about a 20 credit rating you could just tell them to go fuck themselves. You don't really even have to declare bankruptcy, you just have to empty your accounts. Credit cards can't garnish you.
Well, the 7k in credit card debt is in my mom's name actually. My credit is remarkably awesome, because I've actually paid off most of my student loans already.

I just know she'll never be able to pay them off if I leave, so I need to get that stuff paid down before I go. The one bright side is that FEMA, by mandate of congress, is re-investigating the lousy payout they gave us for Hurricane Sandy (not the flood in 2010, but the flood insurance that FEMA forced us to buy after that flood, then didn't actually pay out worth a shit for Sandy) so MAYBE they can cover part of it.
 

Mist

REEEEeyore
<Gold Donor>
31,202
23,396
Move to wv Mist, there are no natural disasters, your mother will die at 65, and we'll beat the gay out of you.
WVisa natural disaster. It just happened a long time ago when 'God' buried all the dinosaurs there and fucked you forever.
 

Khane

Got something right about marriage
20,343
14,006
Well, the 7k in credit card debt is in my mom's name actually. My credit is remarkably awesome, because I've actually paid off most of my student loans already.

I just know she'll never be able to pay them off if I leave, so I need to get that stuff paid down before I go. The one bright side is that FEMA, by mandate of congress, is re-investigating the lousy payout they gave us for Hurricane Sandy (not the flood in 2010, but the flood insurance that FEMA forced us to buy after that flood, then didn't actually pay out worth a shit for Sandy) so MAYBE they can cover part of it.
You could also try to find a credit card that offers 0% on balance transfers for up to a year, I think Chase even offered one that was 0% for 18 months for a while. Chase Slate maybe? Can't remember now.
 

lurkingdirk

AssHat Taint
<Medals Crew>
46,658
214,829
So my house was built in the 70s, and in the garage and the basement work area all had 8' fluorescent tubes. Today I just finished replacing them ALL with 4' fixtures, two in the place of one. The newer fixtures draw less energy, last longer, and the fixture plus the new bulbs were less than replacing the bulbs on the old 8' pieces of crap. Also, I even replaced the ballasts on several of the old 8' fixtures, but they never really got as bright as they should. The new fixtures and bulbs, while drawing less energy and being entirely cheaper to maintain, are brighter, and come on faster.

Get rid of your 8' fixtures, folks.

Another option is replacing 4' bulbs with LCD bulbs. You eliminate the ballast altogether, and it's a straight plug in. You can even use your old 4' fixtures. Easy conversion, and last a hell of a long time. When my new ballasts go, I'm going to go with LCD bulbs, and probably never have to replace them again.
 

Mist

REEEEeyore
<Gold Donor>
31,202
23,396
You could also try to find a credit card that offers 0% on balance transfers for up to a year, I think Chase even offered one that was 0% for 18 months for a while. Chase Slate maybe? Can't remember now.
Thought about it, but my mom's credit is dogshit and I'm certainly not transferring it into my name, that sounds like a fucking disaster.

I'm just selling everything I own to pay it down. :p
 

Gavinmad

Mr. Poopybutthole
43,752
52,326
My wife wants to replace our sliding glass door with one, but I'd need to build a new patio/step platform to be wide enough for both sides of a French door, and we currently have concrete steps. F that.
My brother in law was putting in a back patio for his current house, and I was removing the old stairs from the back door. The main block of the stoop? Reinforced with and rebar. Who the fuck does that? Who in the hell uses like 10ish cubic feet of reinforced concrete for part of the stairs on a cheap slab house? Once I exposed the rebar I went at that shit for a good 15-20 minutes with the sledge and couldn't make any progress. Maybe if he'd also had a heavy duty stone chisel, but he just said hell with it and rented a jackhammer.
 

Mist

REEEEeyore
<Gold Donor>
31,202
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That sounds entirely more reasonable.

wat?
It is reasonable, since I don't want to lug it all with me when I GTFO.

The more shit I sell, the easier it is to pack and the faster I can pay down the bills and leave. It's the definition of a win/win.
 

Picasso3

Silver Baronet of the Realm
11,333
5,322
If you have to sell your worldly possessions to move out of your mom's place you should prob save up a little extry incase the transition is a complete failure
 

Noodleface

A Mod Real Quick
38,276
15,107
No legal obligation to the debt, perhaps there are assistance programs to help your mother

Could always check out /r/personalfinance for advice
 

Lejina

(╯°□°)╯︵ ┻━┻
<Bronze Donator>
4,675
12,193
To expand on the waxing Noodle's door rails. You don't want to use stuff like grease or wd40 because dirt sticks to it and after a while it's worst than before you put any lubricant. That's why it seems to work great after an application of wd40 but turns to shit after a while. Dirt won't stick to wax like it does with an oil, which is a big advantage in such application. You don't need any fancy wax either, even a birthday cake candle will do, they are thin so you can really get in there and "crayon" the bottom of the rail.

As Phelps pointed out the wheels might be busted, so they are just sliding along the rail instead of rolling, hence why fresh lubricant seems to temporally fix the problem.
 

Noodleface

A Mod Real Quick
38,276
15,107
Good to know. I'm gonna check out the wheels this weekend. Pretty sure the door is just sliding on the rail. I wouldn't be surprised as the screen door broke because the wheels got busted.
 

mkopec

<Gold Donor>
26,236
39,960
To expand on the waxing Noodle's door rails. You don't want to use stuff like grease or wd40 because dirt sticks to it and after a while it's worst than before you put any lubricant. That's why it seems to work great after an application of wd40 but turns to shit after a while. Dirt won't stick to wax like it does with an oil, which is a big advantage in such application. You don't need any fancy wax either, even a birthday cake candle will do, they are thin so you can really get in there and "crayon" the bottom of the rail.


As Phelps pointed out the wheels might be busted, so they are just sliding along the rail instead of rolling, hence why fresh lubricant seems to temporally fix the problem.
Thats a good tip. would of never thought to use wax, but it does make sense.
 

lurkingdirk

AssHat Taint
<Medals Crew>
46,658
214,829
Screen door "wheels" are easily replaceable. You may have to order them online, but that's easy too. Just find the door make and google them. I guarantee other people have searched online for them, too.

And, yeah, any of those wax ideas are good options, and I did mean to mention them. But, the best wax I've ever used for similar purposes is just plain paraffin wax, which you can get cheaply at any grocery store, and cut to whatever size/shape you need. Something like this:

http://www.fleetfarm.com/detail/Gulf...FZM6gQodJf0PXA


I'm replacing beams on the exterior of my house, some rot on one of them, and I used Elmer's wood filler for the first time. That is great stuff! It really has the consistency of drywall compound, and is nice for sanding, coming out with a good finish. Don't try to stain it and expect it to look just like wood, but if you're painting, it's great.
 

lurkingdirk

AssHat Taint
<Medals Crew>
46,658
214,829
Whelp, guess who just found out the very hard way that we have a yellowjacket nest in our gutter? I was pulling off the gutter shield to clean the things out because water hasn't been flowing as it should, and I was stung 21 times. Hurts like a fucker. Imagine running across a roof and getting down a ladder safely while being stung. When I finally got away from them and indoors where it was "safe" I was a quivering mass of adrenaline. Trouble is, I had left the leaf blower on the roof, and had to go back to get it. I let some time pass.

The problem now is that the spot is only accessible from the roof. It's 20 feet up, and I have a huge over hang, so to get to it on a ladder would require you to rest the ladder on said gutter. Ideas of how to bomb these fuckers without going through this again? Just spray and run across the roof?
 

Gravy

Bronze Squire
4,918
454
Should probably just move.
smile.png
 

Lejina

(╯°□°)╯︵ ┻━┻
<Bronze Donator>
4,675
12,193
Personally id put on my full set of motorcycle gear including the full face and go to town. Those cans have some range tho, if you can get a clean angle you should be able to spray the nest from a safe distance while being on the roof.

Another option is to say fuck this shit, grab the garden hose and shoot water on the roof from the ground and hope it wrecks the nest heh

Btw props for not choosing to jump off the roof and risk breaking your neck. I bet you considered it for a second.
 

lurkingdirk

AssHat Taint
<Medals Crew>
46,658
214,829
Should probably just move.
smile.png
I thought about just burning the place down and starting over...

Personally id put on my full set of motorcycle gear including the full face and go to town. Those cans have some range tho, if you can get a clean angle you should be able to spray the nest from a safe distance while being on the roof.

Another option is to say fuck this shit, grab the garden hose and shoot water on the roof from the ground and hope it wrecks the nest heh

Btw props for not choosing to jump off the roof and risk breaking your neck. I bet you considered it for a second.
The issue with the motorcycle gear is the neck. Maybe my motorcycle suit and my camping mosquito head net? Hmm. Not a bad idea. The issue is how quickly can I move in the gear and get down a ladder. And if a bee gets trapped inside the gear, as happened with my shirt today, hard to crush it and kill it.

But, yeah. There was a moment's consideration of just bloody jump. That's when I wished I had a pool beside the house close enough to make a hasty retreat!