Search results

  1. nickf2005

    New wallet recommendations

    I've got a knock-off and love it as well. Doubt I ever go back to another front-pocket design. I wont even consider back-pocket wallets after switching a few years back. Sent from my SM-G975U using the svtperformance.com mobile app
  2. nickf2005

    Fresh sub forum for the Mach-E?

    I know this a joke, and many here will take this car (and sub-forum) as the same. However, I really see a market for this and think Ford will do well with it. Flame away. [emoji6] Sent from my SM-G975U using the svtperformance.com mobile app
  3. nickf2005

    WTB - Looking for 2012 Stock Mufflers

    I may be wrong, but I'm not so sure those are 2012 GT500 stock tips. Mine are a polished stainless type finish with a sharper edge. This looks to be chrome with rounded edge? Sent from my SM-G975U using the svtperformance.com mobile app
  4. nickf2005

    Took my Ecoboost to Buttonwillow racetrack

    That's maintaining some serious speed over 3 miles. I've been in an airplane before... probably close? ;) That's exactly what I thought. Sent from my SM-G975U using the svtperformance.com mobile app
  5. nickf2005

    Took my Ecoboost to Buttonwillow racetrack

    I can't believe they didn't put a V8 in it... *sarcasm* Ben, whats the average speed on a full lap? Sent from my SM-G975U using the svtperformance.com mobile app
  6. nickf2005

    Miami ?

    We went a few years back and stayed at the Holiday Inn Mid-Beach. Traffic sucked and everything was expensive. Food was good though. We Ubered to 2 Marlins' games (my Reds were in town and they had awesome stadium food) and a Hurricanes' game (blazing hot) Saturday. Good experience but doubt...
  7. nickf2005

    Paying off debt

    That's fine. I literally said that I'm not going to shame or guilt somebody for having a CC if it works for them. Especially in favor like in your case. It's a fact that a lot of Americans can't manage them effectively. The total CC debt is near $1T, averaging $8k per household. I'm...
  8. nickf2005

    Paying off debt

    I wouldn't shame a Credit Card (like you said, maybe the user that goes neck deep in debt with them). I just share the opinion of a few others that CC's are not necessary. Credit score is literally the reflection of how well you work/pay lenders. The more lenders, the more payment, the...
  9. nickf2005

    To wing, or not to wing.

    Let me preface this with the fact that I'd never spend 70k+ plus on a Mustang, maybe any car... ever. Forever and never is a long time, so that's why I'm careful with my words. That all said, I think it'd be very narrow minded to call somebody with the means to buy this car, at that cost, a...
  10. nickf2005

    Refinancing - Points vs No Points

    I know.... the guy who has the white shelves has been in it for a while. Those are just his unopened bottles. He treated us to a tasting two weekends ago... That Blanton's Straight From the Barrel was killer. The OF SiB was quite the surprise as well. Sorry, as I didn't mean to hijack your...
  11. nickf2005

    Refinancing - Points vs No Points

    Had my first a few weeks ago on the trail... was the best tasting drink I've ever had. I have two buddies who have gotten me into the scene the last year. The shelves belong to one... bar another. I think there is a bourbon thread floating around, but maybe it's time for a new one. Sent...
  12. nickf2005

    Refinancing - Points vs No Points

    Congrats. Im going to buy myself an incredible bottle of bourbon when we finish ours. Maybe even a Pappy... Sent from my SM-G975U using the svtperformance.com mobile app
  13. nickf2005

    Refinancing - Points vs No Points

    I'm far from an expert, but the points are just bought with more money up front to get you a lower rate. My understanding is that as lomg as you're going to be in the house (aka mortgage) for a majority of the term, then it's a simple calculation. $X to save additional Y percent. Y percent of...
  14. nickf2005

    Refinancing - Points vs No Points

    We found value in paying for points to get a better rate. We have a 2.25% on a 15 year mortgage. Even with closing costs, it made sense to refi October '19 (3.75% 30 year from 2015 build to 2.75% 15 year) and again May '20 (2.75 to 2.25). The last refi amount was for $325,000 (roughly 52%...
  15. nickf2005

    Any Believers in the Biblical Rapture? End times

    I was raised Catholic. I learned the hot takes of Christianity, but Catholicism is more about teachings of the church, than Jesus himself. 7 sacraments, traditions, etc. There is so much "omitted" in the church. My wife grew up in a strong Christian household and we have attended a few...
  16. nickf2005

    Paying off debt

    End of the day, you have to save/invest or work until the day you die (whether that's 40 or 90) We choose save it heavily, in hopes that we'll remain safe and healthy and can retire at 55ish. Thats 20 years away and anything can happen. We'll see. Sent from my SM-G975U using the...
  17. nickf2005

    Paying off debt

    You're right, it is a balance. However, I'd lean towards the possibility of leaving my boy a fat stack of cash if something happens within in the next 15 years and burning money like it's my new job in retirement at 55/60. Versus, incremental gains now. I get what you're saying though. I...
  18. nickf2005

    Paying off debt

    I think staying up to date on utilities, cell phone, etc also feed into credit score. End of the day, one could walk into a local credit union and make a viable case to get a loan at a competitive rate with a "bad" credit score. Debt:Income Sent from my SM-G975U using the svtperformance.com...
  19. nickf2005

    Paying off debt

    I guess that wasn't the point of my post. She was 100% correct, and I didn't need to spend the $200 for something that wasn't really needed. What rotor said. Debit cards for everything. 10-4! You don't. We established credit by paying off our student loans, two cars, and holding a previous...
  20. nickf2005

    Paying off debt

    A conversation we had this weekend: Me - Home Depot has good prices on Dewalt impact drivers. Her - Don't we have a Ryobi one? M - Yes, but the Dewalt is a bit better. H - Does it work for what you use? M - Um, yeah... H - Then we probably don't need it? M - No...
  21. nickf2005

    Paying off debt

    Ditto @ford fanatic From the day she got licensed and starting working (a couple months after we got married), my wife has handled the finances. A couple years after we were married, she "got educated" on the Ramsey steps and set out to get us out of debt, establish a healthy cash reserve, and...
  22. nickf2005

    2020 GT5-HUNNIT

    God Bless America. Star Wars fan i take it? Sent from my SM-G975U using the svtperformance.com mobile app
  23. nickf2005

    Smokeless fire pits

    Brother from another mother. We'd get along great. Ha. Sent from my SM-G975U using the svtperformance.com mobile app
  24. nickf2005

    Smokeless fire pits

    Not to pick on you because I don't think you really cared if you had smoke, but this looks to be a good example of a coal bed that wasn't quite hot enough for as much wood that was loaded. Eventually it'll burn, but there's gonna be smoke with it. I usually do the same thing because I'm...
  25. nickf2005

    Smokeless fire pits

    From what I've seen of them (which isn't much), they seem gimmicky. As stated above, you're blocking the primary radius of usable/desirable heat. And you're doing it very quickly, almost literally burning your dollars. If you build a traditional fire, in either a pit, stand, whatever, you just...

Top