Recent content by xfactor9

You can't guarantee that forbearance won't affect your credit score. The only guarantee is that your account won't be marked delinquent. But it's still possible for other lenders or the FICO model to deduce from other information in the credit report that you're in forbearance and not paying...

This once and for all confirms the economic theory that saving and living below your means is only good at an individual level. When an entire country does it, the economy will collapse. Orman, Ramsey, etc should be careful what they preach

I thought everyone on BITOG is ultra frugal? You shouldn't have to change anything; you should already be doing the things to save money like cheap cell plans, buying food in bulk, cooking at home, not buying $1000 phones, etc. If you're forced to change your lifestyle to save money, that...

Inflation is the least of your worries. $2.2T is only 10% of annual GDP. It's too little to be inflationary. If anything, you should worry about deflation because that's a greater threat during economic weakness. With the economy in a standstill, money supply won't grow (it would contract if...

+1 Pour n Restore, it's the real deal. Buy only what you can use within a few days, as the contents dry quickly once you've opened the bottle

I see this all the time with pedestrians, bicyclists and even skateboarders. It has nothing to do with texting. Usually they're not even texting; they simply dart across the road without looking for traffic. I've seen some people start to cross a 6-lane road just as their light turned yellow and...

How did you donate? Did you provide your name/address? I've put donations like clothes into large plastic bags then placed them by the curb for pickup on designated days, and I've never been spammed. There are also dropoff centers. Were they to ask for my personal info, I won't provide it. I...

Originally Posted by dogememe Microsoft is much more up front that they do it. During the windows 10 initial setup process there is a whole page of stuff with detailed descriptions of what they collect. It's a bummer, Avast was excellent for a while. But then it became garbage. Malwarebytes...

"Avast, which makes free antivirus software that's used by millions of people around the world, is reportedly selling "highly sensitive" web browsing data via a subsidiary company called Jumpshot...." https://www.cnet.com/news/antivirus-firm-avast-is-reportedly-selling-users-web-browsing-data/...

80,000 people in the US died from the flu in the 2017-18 season. 61,000 died in the 2018-19 season. Why didn't it get continuous front-page news like this virus? https://time.com/5610878/2018-2019-flu-season/

It might handle the 200F temps of oil, it might not. I don't know what material garden hose gaskets are made of. I know that oil filter gaskets and o-rings are typically made from silicone or maybe nitrile. Whatever material it is, that's what I'd use for the drain plug gasket. The OP can try...

Any recommendations for one, for occasional DIY? Brand? Cordless or corded? So far I'm looking at the Harbor Freight cordless

You can get virtually all the oil out especially if you park on a sloped driveway such that the dipstick is downhill. However if the dipstick is at the center of the engine, then you should park on a level surface. But I don't recall seeing a dipstick that's at the engine's center -- it's either...

The real issue is that a segment of the population wants to live in rural, rustic areas of the state and but aren't willing to pay for the infrastructure to support their desired life. Calif has mountainous & hilly terrain and huge expanses of forests. It is expensive to build a robust power...

Originally Posted by Wolf359 Overly active imagination. There's wind and heat expands and contracts materials at different rates depending on the material. There's tons of blood and bodily fluids at the hospital. Even long lived virus/bacteria will be dead after a few days. But hospitals are...