Random Question Thread.

**Elesirdur** · 2012-01-17 00:43

If you have enough cashflow to float you over to your next paycheque, and are willing to make a big payment, it's always worth it to pay off the entirety of your loan balance as soon as possible. I can't really say about what's best for your credit score, but paying off that last bit of your loan asap, especially if it's in one big chunk, will save you a bit of money on period-on-period interest. I would imagine paying off a loan before it's term would normally be due would be good for your credit score, but can't say for sure.

Once it's paid off try and keep saving that same monthly amount towards a new home. Just chuck it in a saving account or open a RRSP, throw those monthly contributions in and reap the tax benefits come next April (or March if you're Canadian like me). If you're Canadian the feds have a program where you can make a one-time withdrawal from your RRSP, tax-free, to put towards the down payment on your first home (but only your first home). I'm not sure if similar plans exist in the US or your particular state, but it's worth looking into. It's never too early to start saving for your retirement. (Lame yes, but prudent advice)

**Kerberoz** · 2012-01-17 01:16

Afaik (not an expert) paying balance at once vs normal payments won't make any significant difference on your credit score unless it's a huge loan. I'd get it out of the way.

**Acturus** · 2012-01-17 07:54

The sooner you can free up cash from one loan, the sooner that same cash can be used to help pay off other loans. Snowball effect ftw.

**Norellicus** · 2012-01-18 16:43

Yeah, a running balance on a loan really doesn't help anything, as lending agencies don't care as much about sustaining payout on it; they're already making a profit just by you having the loan at all. It's very different from revolving credit like a visa/MC.

tl;dr- Pay it off, the sooner the better.

Edit: Oh, but uh don't burn your savings just to pay it off if you can't guarantee you'll have income afterwards. Keep that savings around for expense buffer if you're not sure when your next bit of income will hit.

**Boyiee** · 2012-01-19 02:17

Posting this in like 3 places to get a larger variety of answers.

Kindle Fire or Ipad2 for college textbooks? The tablet will be paid for via grant/loan and hopefully the textbooks will be free if not as cheap as humanly possible.

I have a jailbroken iphone. I have no android devices. Yes, I'll do more on it, just remember I can probably do it on my phone already - so the main purpose is textbooks and maybe replacing my laptop for class (not every professor lets us use laptops - but tablets are fine.)

**Acturus** · 2012-01-19 08:52

Question to the masses:

I've put together some music to accompany a Dodgeball day that my work is having. I've spent hours combing through my library for anthem-type shit that could also be dodgeball themed (i.e. LL Cool J - Mama Said Knock You Out).

However, for the life of me I can't think of any good "victory" songs to play during the trophy presentation. The only one that comes to mind is Queen - We Are The Champions.

Any suggestions on good "victory" music? And yes, I considered FF fanfare, but this crowd won't get it.

**Mellema** · 2012-01-19 11:04

Originally Posted by Acturus

Question to the masses:

I've put together some music to accompany a Dodgeball day that my work is having. I've spent hours combing through my library for anthem-type shit that could also be dodgeball themed (i.e. LL Cool J - Mama Said Knock You Out).

However, for the life of me I can't think of any good "victory" songs to play during the trophy presentation. The only one that comes to mind is Queen - We Are The Champions.

Any suggestions on good "victory" music? And yes, I considered FF fanfare, but this crowd won't get it.

Eye of the Tiger, Chariots of Fire theme, I Will Survive, One Moment in Time, Theme from Flashdance, I'm Still Standing.

**Acturus** · 2012-01-19 11:13

Oh god, Flashdance. Great suggestion!

I was debating on Chariots of Fire, I may add it too.

And Eye of the Tiger is already being used to introduce the visiting team.

**Aksannyi** · 2012-01-19 12:46

I have a canker sore, it hurts like hell, anyone have any good methods to get rid of the fucker? I'm using Orajel but that just covers it up it doesn't really heal the thing.

**zoobernut** · 2012-01-19 12:52

Lysine pills seem to help cancer sores heal faster for me.

**Kiehl** · 2012-01-19 14:27

Finger for a ring on a man that is not a wedding ring?

**Mellema** · 2012-01-19 16:04

Originally Posted by Kiehl

Finger for a ring on a man that is not a wedding ring?

Usually on the right hand ring finger. I've seen plenty of Guidos with pinky or thumb rings also. Or go Pimp style with rings on most fingers.

**Pyro** · 2012-01-20 09:07

Middle finger is an option.

**Acturus** · 2012-01-20 10:06

Originally Posted by Aksannyi

I have a canker sore, it hurts like hell, anyone have any good methods to get rid of the fucker? I'm using Orajel but that just covers it up it doesn't really heal the thing.

I've heard (but never tried) apple juice speeds up healing.

I've used baking soda. Apply it to the site right before bed, sleep through, it helps the next day.

But there's no quick fix for a canker sore. Mine take 3-5 days to heal once they break open. When I feel one coming on, I stop drinking soda and citrus juice for a couple of days and do the baking soda thing. Usually keeps it from going full-blown.

**Aksannyi** · 2012-01-20 14:30

It's just worse because it's right underneath my chipped tooth so I have to really concentrate so I don't rub the jagged edge against it, which further irritates it. Hate these fucking things.

**Hank** · 2012-01-20 14:45

Where is a good place to be a modest, inexpensive wrist watch? Preferably leather strapped.

**Pyro** · 2012-01-21 11:06

How much is in-expensive to you?

If you're talking in the $100-$200 range then anywhere like Kohls, JCPenney, or any other department store like that. You can also find really good deals on nicer watches at pawn shops, especially chains like Pawn Mart.

**Elesirdur** · 2012-01-21 14:32

Originally Posted by Kiehl

Finger for a ring on a man that is not a wedding ring?

Right-hand ring finger. I've got a grad ring from my BA I wear there on fancy occasions.

**Norellicus** · 2012-01-22 03:28

re: canker sores, I find that eating saltine crackers helps, no joke. Eating them with cream cheese spread on top also helps avoid the OH GOD IT BURNS part.

sb · 2012-01-22 10:32

Originally Posted by Hank

Where is a good place to be a modest, inexpensive wrist watch? Preferably leather strapped.

You can find modest, inexpensive, leather strapped watches at Macy's for around $50-$60 or any similar type store.

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