Tom Fisher
@TomFisher37
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Following
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One-Time Wildlife Biologist turned public company CIO/CTO/CDO in the CX and Automotive spaces. Helping companies reach great outcomes as a day job.
Indianapolis, IN
Joined October 2011
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@sweatystartup
I'd never live in an HOA neighborhood. In July the milkweed will bloom and you will see about 10 thousand monarchs here every day. Could never do this in a HOA. Makes no sense.
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@Lead_Flinger
Spent a fair bit of time with Black and Brown bears in Alaska. It's a bluff charge, scary as hell but once you are trained you think of them as a puppy with the yips. Only happened to me once but in this situation I might have pulled the trigger even with bird-shot.
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@zerohedge
Not just sell it, they then have to close the entire reserve infrastructure it looks like.
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@AlecStapp
My college roommate was diagnosed with CF when he was 20 (late onset). Was given 10 years to live tops.
I still remember smuggling his pet bird 'Petey' in my coat to visit him in the hospital when it suddenly decided it was time to show symptoms. I think the nurses loved
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@volodarik
Lived thru this last year with one of my board roles. The worst part is that the founders had to take roles as employees for 36 months at the new company to get the deal done.
Cap Table drama = Pain.
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@EODHappyCaptain
My Dad served three tours in Vietnam in the Big Red One. He just started talking about it and wearing his hat the last five years (he is 76). Hearing people thank him after all these years is better than therapy.
What I would ask is when did you feel the first bit of gratitude
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@ricburton
Animal Scientists that one is funny.... ChatGPT going to hit the field and do some studies in the wild?
Maybe a combo with Walle is in order?
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@Lead_Flinger
I don't mean literal puppy. They can kill you in a second. I just mean mentality wise. Being stuck out there with bird-shot is the scariest part. I always had a semi-auto 12 gauge with slugs or a 44 Mag pistol. It at least let you be a little judicious with the shot.
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@Breaking911
Payne Stewart situation all over. So darn sad. Still miss watching that guy play.
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@heyjchu
@volodarik
Oh Jon. Yes, they are paid. You are missing the point and I promise I'm not trying to argue with you vs educate folks.
They 'sold' their company for mid 8 figures as founders. They spent almost 10 years building it from nothing but took funding that they didn't understand
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@datarade
Please don't tell my chainsaw this. I think the last batch I put in her was 3 years old and she just chewed trees up like I pumped it straight outta the ground yesterday.
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@BowTiedBroke
CEO's get obsessed with their planes once they have them. I have ONE rule. I won't get on a plane that will not make national news if it crashes. Having said that if you are feeling pressured just say your life insurance doesn't cover private plane crashes. Nobody can argue
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@WallStreetSilv
Honest question. What happens if the government takes away these kids venting platform which is Tik-Tok?
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@buccocapital
Befriended more that my fair share of corp attorneys over my career between work and acquisitions. It was always the same once you became friends. Late night calls over about 4 bourbon's just saying how bad they hated their life choices. Money can't buy happiness.
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@WallStreetSilv
FWIW, as a Gen X'r we all said the same thing in 2009. The ladder is being pulled up, we are doomed. It was also much, much worse. There will be another renaissance for these kids. Stay strong.
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@JeffSpies
@sweatystartup
Oh man, I'd love that. Just gotta wait a few months. Last year I even put trails in for my puppy so we could enjoy it. Oh and train her. That double switch back in the middle really got her messed up. BTW, last year was a drought, can you tell?
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@SMB_Attorney
Poor girl broke her NDA right out of the gate and lost all benefits of being laid off. All for a TikTok. I hope the social platform paid her well.
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@MattWalshBlog
The true irony here is all my male
#Aussie
friends are the most alpha dudes you will ever meet but also the kindest, most fun and honestly greatest guys to be around. They love their wives but also just love to win. What exactly are these folks trying to fix?
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@Inversionism
As a Gen-Xer I have to say this is truly fascinating. Really regretting tearing down my old giant satellite dish right now.
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@buccocapital
Zuck showed them the way. Now it takes will to follow. Hard to do when you are fat and happy.
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@BowTiedBull
Once the news of the UPS deal was announced meaning a driver can make $170k a year the world changed, even if its not true unless you work there 15 years.
Now every union has a bar that will drive up wages and in turn inflation in the US while driving down GDP as folks pull
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@zerohedge
RIP the Northeast when a Hurricane or Blizzard hit. Hope you charge them EV cars up before hand. With the regional fuel mix requirements this could actually get messy.
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@sweatystartup
This will not happen because of who the customers are. SVB was literally a bank for the .25% not even the 1%. Now will they find a suitor to make them whole? Of course. But if the fed bails them it will look real, real bad.
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@heyjchu
@volodarik
LOL...it's not indentured servitude. They can quit and get nothing for all their years of work. Understand your Cap Table kids, things don't always go up and to the right.
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@nicksortor
Reminds me unfortunately of Payne Stewarts unfortunate death. Same situation.
(January%2030,at%20the%20age%20of%2042.
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@dougboneparth
Oh, this is gold. Little suspense turns the tables completely. Follow it up with a... 'Can you tell me why I'd want to cancel that and work here?'. Guaranteed hire.
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@roshanpateI
Try being in the midwest getting overwhelmed with the Ex FAANG folks who are moving here for a lower cost of living. All claim to be BFF's with Bexos or Zuck. It's comical.
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@joesampaul
@City_Lafayette
Having worked in maintenance during my college career if I was driving a truck named any of these I'd be elated.
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@sweatystartup
Man this got some traction for some odd reason. Since you all like it, I'll cut in some trails and show you all this fall what it looks like. Just know at some point I gotta cut it to keep the briars down.
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@DaleStarkA10
Oldest game around. Get a price. Then get the cash price. I know for a lot of kids who don't have checkbooks or cash on hand this will seem insane but it has been going on forever.
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@Peter_Atwater
It has generated emotion
@Peter_Atwater
. My Dad gave each of his grand-children a grant of $20k into their 529's in 2021 telling his advisor to put them into the safest funds possible to preserve wealth. Now the kids need it for college. Freaking terrible. Frankly its like
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@BowTiedOx
Ox we have 5. No matter what you do at least one of them will ONLY and I mean ONLY eat Chicken Nuggets for a couple of years. Just be prepared. They will survive.
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@zillowgonewild
Grew up in Akron, they obviously planned the pics for one of the 10 sunny days of the year. Beautiful home but unless you can put it on a trailer I'd have to pass.
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@GuyDealership
Gonna get worse before it gets better. March 2020 was when all the lockdowns started and new inventory production fell off a cliff. This is just the first month on 36 month lease turn ins.
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@zerohedge
Ironically this reserve was created after the absolute disaster that occurred after Super Storm Sandy in 2012.
.
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@cioontherun
@Broadcom
@VMware
This is what is being discussed across our entire entire CIO forum group over the past few weeks. "How do I replace
@VMWare
ASAP?" I'm not talking small companies either.
FWIW, it's a lesson and one everyone should know by now if you are a CIO/CTO. Buy from startups/scaleups
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@zerohedge
The very idea that folks don't know any tech company can read logs is mind blowing.
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@DonMiami3
@MacroEdgeRes
Went to lunch a few months ago. 7 guys all ex CIO/CTO's all between 38-60....all quit and don't plan on going back. The irony is it's way worse than that chart. They all show employed on this metric via their one man 'consulting' firms they setup to tell their wives they have
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@DonMiami3
You know in 2002 and 2009 when I was younger I thought the same thing. Like someone pulled the ladder up just when I was reaching for the first rung. Was wrong then, probably wrong now.
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@BowTiedBroke
Gotta say man after 23 years to be at that you certainly did back up your tweet about being a bad stock picker. 😂 What were the expenses on those funds 15% or something?
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@GuyDealership
With the price reductions Tesla didn't make the list? Is this just organic depreciation?
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@GuyDealership
We are literally in just the second month of this cycle. In April 2020 all new car production shut down for an extended period. No new off lease vehicles in 2023. Even fewer in 2024. Even 2025 is jacked up. Only used cars available will be pre March 2020.
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@paik_michael
Here is my FOMO tweet. Bought a stock called Nanopierce in the 90's for 12 cents. Sold it at $3. Bought a house BUT it went to $5.25 so I was devastated. 12 months later went bankrupt...turns out I won. Lesson is take your wins and be thankful, the ride ends at some point.
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@mhp_guy
Every piece of that equipment pictured was bought off of GovPlanet they didn't even repaint it. If you buy it keep the buyer just to get cheap equipment. That owner is a baller.
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@braxton_mccoy
Just wait until they take away their only social outlet that gives them reach/validation (Tik-Tok). How this turns nobody knows.
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@tomatden
@Peter_Atwater
They put it in the Black Rock managed bond fund (advisor only fund) for college based on age which for older kids leaned 90% bonds. Value is now $16k on average. He didn't do anything dumb. The fact that you don't recognize this is Peter's entire point. Bonds are getting
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@BowTiedBull
Deflation will not come due to the stock market expecting EPS from all those companies who raised prices thru Covid. Post Covid, they will continuously raise prices to offset demand fall off. There is no going back.
It can only come from the housing market but with so many folks
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@CorneliaLake
I'm just sitting here trying to remember what chapter of Atlas Shrugged this was. Sigh.
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@BowTiedBull
What I would do to buy real estate at 2009 prices. Was too scared and missed the greatest opportunity of my generation.
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@KobeissiLetter
To me the bigger issue of this is how these AI related stocks are absolutely destroying the entire ETF premise of diversification. QQQ is now 46% in the top 10 stocks. Ironically VOO isn't far behind. Costco is the ONLY non-AI play stock.
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@zerohedge
Hate saying this but maybe this means I can actually build my barn. Quotes went up 200% over the past 24 months.
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@BowTiedKong
Lot of bad posted in responses. I know it's tough but here is how I would think of it. You were the ONE person they trusted enough to do it right, meaning they respected you. Ultimate compliment to whomever is trusted enough to be in this role. I know it sucks.
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@VivekGRamaswamy
Organic Chem was my biology career downfall. At my time (mid 90's) it was literally just a bunch of sticks and balls you had to figure out how to put together for the tests. 80%+ failure rate. It was literally how they figured out who should actually be a doctor. Not wrong.
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@GuyDealership
We JUST hit the inflection point of leased vehicles maturing from 2020. OOPS...there were no leased vehicle in 2020 since everything was shut down. 2021? Nope, didn't happen. We are in a 24 month withdrawal cycle not a normal cycle. Going to be interesting to see how it
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@PeterSchiff
Forget
#Bitcoin
why are my Gold and Silver positions down so bad in this environment? Silver in particular is getting smoked. Where did the 'safe' money go?
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@justinlmack
@VicRyc
If you are in Hamilton County go to the 4h Fairgrounds. No lines! 20 voting booths. They have their act together. In and out in 10 minutes.
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@realEstateTrent
Reading this I'm not sure what you are saying. Every home I have owned since 1998 has returned in some cases significantly. Bought one for 138K sold for 270k in five years for example. Are you predicting a single family home decline?
Even typing this I know I'm going to get
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@DaleStarkA10
Happened to me cutting an Ash tree hit by Ash Borers in our creek. I still dream about it. Thing formed the chair then shot back five feet straight at me, knocked me straight into the water. Last time I will ever cut a tree over 36 inches. Just not worth it.
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@BowTiedEffer
Accidental millionaire sure. Millionaire who earned it doesn't drive a corolla, they drive a beat to heck pickup truck because they want to make another million in 3 years when the first one took them 10.
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@GuyDealership
The Superchargers by our house are CONSTANTLY full just with Tesla's. Can't wait to hear the backlash from Tesla folks.
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Going to do something I promised myself to do at 20 if I hit my goals but was too terrified to do at 40. Now here I am at 48 and I'm officially taking a break from work to find my next great adventure. Just in time for planting/fishing season! Here we go.
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@KrissBergTweets
Pro Tip if you haven't done it already. Get an electric/temp alarm that alerts to your phone. Lost 1/4 of beef last fall due to a circuit break. You won't regret it.
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@Levijameshere
FWIW if you use ETrade (acquired by Morgan Stanley) they do this automatically. Sweep is every night. May not be the right answer for your biz but certainly is for personal accounts.
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@SMB_Attorney
Coming from tech and then getting immersed in health care the similarities are identical.
Growing up in the 90's we always worshipped doctors and lawyers. They had the biggest houses, best cars etc. Now that I understand how they did it I have both deep respect and empathy.
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@BowTiedBroseidn
Went to a funeral yesterday for a combat veteran who enlisted three times, first in Vietnam and then to serve on the Berlin wall during the cold-war. Went on to spend 30 years at a company until he retired. Not a single co-worker showed up. Do with this information what you
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@BowTiedCrow
@BowTiedBull
Welcome to Canada's 100 year mortgages. You will own nothing and be happy.
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@robertmays
Spent 12 glorious years there. It's a southern town in the north weather wise. Miss it all the time.
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@DocumentingBTC
@JoeSquawk
@JoeSquawk
being turned loose to just talk openly on squawk box has been the single greatest thing
@CNBC
has done in years. I'm not just talking about the Bitcoin stuff.
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@maxlynch
@volodarik
Yes, there was a sweetener in equity at the new Org that may or may not be worth something 10 years from now.
The new entity however wanted to lock up the founders to stay in order to sign the commitment letter. I don't want to get into the details of the structure, I'll just
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@BowTiedGatorDDS
Here's all I know Gator. Struggled with gum issues since I was a teenager due to having so many teeth pulled to get braces. Bought NOBS honestly just reaching for something, anything. Expected nothing.
Pain gone in 3 months.
Dentist I've been to for years and I honestly
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@GuyDealership
Used car dealers only choices are…
1) sell pre 2020 high mileage or
2) pay up big for low mile off-lease which are constrained exponentially and also means raises their prices to match wholesale.
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It’s that time of year when we start cleaning up the gardens. Thought I’d have a few things ready but holy cow. Homemade spicy marinara incoming. FWIW I did have to buy the onions as we already ate all ours. Almost $4 for two. Next year is full on onions, potatoes, peppers etc.
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@alphacharts365
Locked in 3% in 2017 my payment has gone up by $800 a month since then due to tax assessments and insurance. Can relate.
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If you are not in Health Care you can't possibly comprehend how bad this
@UnitedHealthGrp
ransomware situation is becoming by the day. Systems went offline 13 days ago. No end in site. No way for doctors to submit claims and get paid.
Reportedly United paid the ransom but it
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@SMB_Attorney
Everyone wants to own a family compound until they have to do the work. We have had our version since 2017. Unfortunately I really hurt my knee this year right at the start of planting season. Every plan gone.
If you are going to do it make sure you have help lined up. The
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@bachmann_farm
Happened to me Christmas Day but it was my daughter. Turned out great for the first time since she started dating. Go with an open mind (you never know). Spent the whole night talking about deer hunting, sharing trail cam pics and talking about life and goals. Don't fall for
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@BowTiedBroke
Having grown up as the son of a commercial HVAC contractor I'd caveat this a bit to "Learn a Trade with a Heated and Cooled Cab ASAP." Cranes, Tractors, CDL's etc. Nothing worse than being on a roof in 110 or -20 degree temps pumping Freon.
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@sweatystartup
Just read thru the P&L for a company that is selling due to retirement that simply sells products into a niche hobby customer base. I literally fell off my chair seeing their financials. So yes Nick, it is real. Merry Christmas BTW.
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@BowTiedBull
One rule for my girls when they turned 16. You are not allowed to drive after 7 PM on New Years Eve. Ever.
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@elonmusk
@zerohedge
Easy answer is the banks foregoing net interest rate spreads as a mechanism to boost stock price. People aren't moving because the are scared. They are moving because you can earn over 5% in a money market versus .025% at the bank. Investors won't like it but that is the only
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@DonMiami3
You are not wrong but it was the same in 1981. But, then is was due to rates being 18%. Something has to give. Price or Interest. Pick your poison.
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@GuyDealership
@Benioff
@SlackHQ
This is exactly how you do it when you have the funds to back it up.
The OTE part is the hook. Essentially he is saying I'll match your equity at the value before all this went down. OpenAI was worth roughly $90B Friday, I'm guessing it's worth maybe $5B today given all
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@Codie_Sanchez
After market car warranty service. Guys literally had a Lambo and Ferrari parked next to their mailing printer. They called it the ATM. Need more money? Turn on the ATM.
Did I mention they all went to jail after trying to convert their business to a church?
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@bowtiedkobra
Don't worry all my PT and Chiro folks say pickle ball has filled the void for folks over 50. Some of these injuries are grizzly to say the least.
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@Helo_Rides1
@BowTiedBull
That is exactly when it will come, with job losses. But the current regime flushed those people full of free cash to extend it far further than normal. Look at credit card balances and car repo rates. Those go first. Housing is last.
However, when housing comes all the cards
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@ErnHolbert
Oh to be loved by complete internet strangers. I was working on my PTO tonight plowing the drive and my little glove string about sucked my hand in. Don't take it as an insult to your intelligence. Take it as folks caring about you and having learned. Singed, Internet Dad.
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Some days catch up with you quick. Enjoy it while you can if you have young kids. Seems like yesterday she was just a baby.
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