rich menga books search contact

***Secret FSR Fender guitars? Yes, they exist, and they're right here

Amazon links are affiliated. Learn more. audioblog episode 4!

In this episode:

Credit scores are b.s.

Ah, credit scores. That magical number some say you should keep as high as possible. Well I'm here to tell you right here and now that your score is b.s. It means nothing. And I can prove it.

What nobody tells you about a credit score is that it means nothing if your debt-to-income ratio isn't in check.

DTI in plain English: Debt is what you owe. Income is what you make. If what you owe is too close to what you make, your score is thrown out the window and you won't get the loan you want, or you'll be quoted some ridiculously high rate you can't afford.

How close in what you make vs. what you owe is the true determiner on whether you get approved for a loan with a decent rate or not, not the score.

In the end, credit scores are b.s. Even if you have a high score of 780, if your DTI isn't what the lender "likes", you're denied, plain and simple.

My suggestion: Stop giving a crap about your credit score and work on lowering your debts instead because that's what truly matters.

I am geek

It's that time once again in life where I have to post an affirmation, that being yes, I am geek.

What does this exactly mean?

This can best be described from people who get to know me personally and ask what I do.

When one asks what I do, and I tell them, I either get a disinterested or interested response. It's always black-or-white with no gray area to speak of.

The disinterested can go pound sand as far as I'm concerned. They have regular jobs, boring lives and only look forward to getting drunk every weekend and nothing more. That is the pinnacle of their existence. I do not connect with people like that at all. Maybe they once had goals and dreams, but completely gave up on them. People like that annoy the crap out of me.

The interested are the kind of folks I gravitate towards. They use internet a lot and moreover do things with it. Whether it's eBay'ing, Facebook'ing, Twitter'ing, blogging or what-have-you, there is an interest. A common ground. I become fast friends with people like this.

The disinterested crowd rarely if ever meets new people. They have their little circle of friends (most of whom they can't stand) and never venture outside of that. Then they complain that life sucks. Ironic? Yes.

The interested crowd are far more open minded and do not fear the world like the disinterested ones do. They are willing to venture out. Meet new people. Go places. Do things. That's my kind of people.

Are you geek? If yes, then you're my kind of people. If not, you do nothing but serve to get in my way. Bug off.

🔥 Popular Posts 🔥

Casio F-91WCasio F-91W cheat sheet
A quick guide on how to set the time, date and a few other tips and tricks.

Squier Affinity or Ibanez GIO?
Where low budget guitars are concerned, which to go with depends on a few factors.

How to use the DigiTech JamMan Solo XT looper pedal
Yes, I bought one of these. And it's complicated.

Squier Thinline TelecasterGetting a lightweight electric guitar the easy way
Many guitars bust over 8lbs (3.6kg) in weight. Can we go lighter and still get something good? Yes, we can.

Fender American Professional Stratocaster Olympic White Maple FingerboardDid you know Fender has 8 white guitar body color options?
When it comes to guitars, white is not white. In fact, it's usually anything but white.

Casio G-SHOCK GWM5610All atomic watches are saved... for now
There will come a time when buying a watch with atomic time sync functionality will be completely pointless.

Playing a Squier Bullet TelecasterPlaying guitar in E flat does more than just save your wrists
Everything you ever wanted to know about E flat electric guitar tuning and whether you should use it or not

⭐ Recent Posts

Boss RC-5 Loop Station Guitar Looper PedalWill looper drums ever not suck?
It is amazing that this problem still exists.

The best looking Dean Z I've ever seen
This is an example of when Dean does the Z right.

Black Sabbath - Black SabbathMy favorite Black Sabbath track from their first album
It's not what you think it is.

Epiphone Prophecy Les PaulA secret of the Epiphone Prophecy Les Paul hiding in plain sight
It's right in front of your face and you probably didn't even notice it

Fender Player MustangShorter scale guitars with the most bang for the buck
You can go short without spending too much nor getting something too cheap.