General Reports

[QUOTE=Sinful Dreams; 1711336]So I have a car right now, but it has some mileage on it, and I am putting more into it than I want to continue to do. It is rather hard to PROVE where you work with pay stubs, and I am trying to get out of the buy here pay here, but not sure what to do. I am rebuilding my credit, so it isn't the greatest, but I would rather get one at a dealership, than get ripped off in the long run. If anyone has any ideas, please feel free to share them with me, or pm me.[/QUOTE]Molly's right, pay cash if you can. You'll be much better off in the long run.

Building credit is another matter, one of borrowing money and paying it back timely. According to a family member who works in collections, the only sure fire method for building a good credit score is to borrow money from a reliable lender, a bank, credit union or strong, stable finance companies, like the ones all the auto manufacturers operate, and then pay it back on time and in full. Very early payoffs, such as paying a loan off in the first few months, or never keeping a balance on your credit card, are not going to help you as much, as they don't give any indication of your ability and willingness to pay off a long term loan. Remember, lenders don't make as much money when you pay their loans off early.

Be leery of anybody who claims to be able to build your credit without actually taking out a loan in your own name. Many of the "companies" that make this claim are scams who just want to either loan you money at exorbitant interest rates, or have you deposit [I]your [/I]money in an account that doesn't earn interest, in order to "secure" a credit card or other loan instrument. The problem arises when they don't report the results to the credit reporting agencies, which many of them don't, because it costs [I]them [/I]money to do so, which means you get no benefit at all with regard to credit rating, and have spent a bunch of money doing it.

The best way to build credit also happens to be the simplest. Go to a bank and get their credit card, even if it has a crappy interest rate. Most of these cards have a minimum payment that is either a percentage of the outstanding balance or some hard dollar amount like twenty-five dollars, whichever is higher. Buy something that will take you six months to pay off at that minimum amount, then pay it off in six months and check your credit score. Then do it again. Check your credit score again, it should be pretty decent by that time.

If you have no choice but to borrow money for a car, go to a bank, or a major brand new car dealer, even if you don't buy a new car, for a loan. The bank may want a co-signer, and the dealership will give you a crappy interest rate if you have no credit at all. Make sure there are no pre-payment penalties, and then pay it off no sooner than six months, and no longer than twelve. The six month window is for credit building, and the twelve month limit is to reduce interest charges, if your interested in that. If you get good terms, you should let it go longer, as that will only help your credit score. Remember, they don't really [I]want [/I]you to pay it off early, no matter [I]what [/I]the loan officer says. (: The bank will definitely take your tax return as proof of income, especially if you have more than one year's worth, and the new car dealership almost certainly will do so.

The advantage to having a new car dealer or bank write the loan is that they will faithfully report it to the credit agencies, both good and bad. Billy Joe Bubba's Used Cars will sell your loan to (or contract with to take it in the first place) a finance company. Most of those will diligently report when you fuck up, but some are not as diligent about reporting the good part, the regular payments. These folks may take your tax return, but I wouldn't bet on it.

I'm also skeptical of the claim that adding oneself as an "authorized user" to another person's loan will work. If you're not the one who is legally responsible for paying back the loan, that is, the person who actually signed the loan document, then you don't get any of the, ahem, credit for paying the loan back.

If you have [I]bad [/I]credit, as opposed to [I]no [/I]credit, these things will still work, especially the credit card one, but they will cost you more.

I have an UTR friend in need of help anyone that is lookin PM me.

I found a mid thirty's lady at reasonable rates who has a incall, her and a friend share a apt in a private area and her place is clean

She offers FS, BBBJWcim She has nice B size titties good oral skills and a tight pussy.

She likes to keep a low profile she 5 ft tall a little belly she's average looking no drugs but does smoke but the place didn"t stink. Her place is around winton and North Bend Road. Service was unrushed. And she took direction very well. Treat her nice and you will enjoy yourself she charges. 50BBBJCIM and FS. 75 take your own condom.

Cman.

I just want to apologize to the Group and and Ladies for posting in the Escort Classified Ads No Reviews or Commentary thread. I made the dreaded newb forum mistake by answering someone that posted without paying total attention where I was at the time. Ill say a couple our fathers and Hail Marys for my sins as well as help out a SW or provider in need and all ill say is that I'm damn glad I pay attention while out on the prowl to where LEO lurks and will be on my p's and q's here in the forum just like when hunting from now on.

Hunt, capture, release.

[blue]Go and sin some more my son.

A2[[/blue]

[QUOTE=SirLiXxx;1710699]I haven't been to the new casino yet but was wondering if anyone else has visited it yet? If you did does it look like its brought in any new talent?[/QUOTE]Yea. Good question.

[QUOTE=Geminii1959; 1708740]Spent more time recently with this seriously hot mid 30s MILF between Dayton and Cinci. True spinner body with some of the nicest enhanced perky C / D sized boobs ever to be seen. Always a great attitude and always aims to please, she hits my sweet spot right on the money. She currently has a real need to raise funds and would like to see seniors in good standing or regulars with enough reports to verify they are legit. Sparkle is super UTR and wishes to keep it that way. For those who may have already seen her she has new digits as of early Feb.

Seniors and regulars in very good standing PM for info.[/QUOTE]I too have seen this lady and I can tell you she IS sexy. Get her motor running and she will give you your money's worth. My ATF for sure!

WTD

So I saw a provider earlier tonight. We texted and set things up. I stop by a Wal-mart on the way to the incall local. Just to be nice I text the provider and ask if she needs me to pick her up anything. I'm thinking cigs, or a coke or something. The weather was bad so I could have even gotten her some milk or something. I was thinking I was being a pretty swell guy. So she finally texts back after I had checked out and was back out in my car. I call her. She proceeds to tell me she wants me to pick up a certain silk robe, on a certain rack, in a certain size. Then she needs toiletries, and certain brands. She wants me to pick up some specific storage containers from the school supply section. Ok, so I am thinking maybe if I go to all this trouble she will be extra accommodating. When I get to her room at the location she tells me that she was leaving the same Wal-Mart when I called, and had me go back in for a few extra things she wanted. This kind of irritated me, because I spent $25 bucks and had to go back, and go all over Wal-mart to find this crap. So anyway, we are chatting and she asks me if I am looking for a regular provider. She says she would like me to be a regular and only see her from now on. LOL. So we get to it. She is not GFE as decribed. Their is no kissing etc. She was not into it at all. She just layed there like a dead fish. Thirty seconds in during mish I say,"So do you think since I went to all that trouble to get that stuff at Wal-Mart, could I (GOD FORBID) get an extra pop." She sternly says,"No, I only allow "one pop" per session." Keep in mind that I was only quoted one flat rate. At no time was there any discussion about hhr's or hr rates.

Ugghhhh. This so irritates me. When I am with a provider I am pretty excited about being intimate with someone new. I really like to pop right away. After a minute or two I like to change cover and go for literally 3-8 more minutes to pop again. WHY IS THIS SUCH A PROBLEM LADIES? So just to note, I DO NOT ever go back to "one pop" only providers. All my regulars are more than happy to let me get two pops in during a 15-20 min hhr. Session.

This was similar to my experience with Delicious Dawn a year ago. She was basically the hottest provider I had ever seen. She was fantastic, all over me, totally into it. When I asked her if I could get two quick pops, I get a stern,"No, only one pop, I don't "do" multiple pops" for an answer. I am suppose to pay double for the hr rate to get the extra 5 min pop. Had she let me pop twice per my routine, I would have never gone to any other provider again. I seriously probably would have spent thousands over the last year on Dawn. Needless to say, I haven't seen Dawn since. Unfortunately, many providers lose good regulars because they will not under any circunstances allow for two pops during their hhr sessions. I wish providers would quote rates by the pop instead of 15 min is this much, hhr is this much, hr is this much etc. Why can't they say one pop hhr is this price, two pop hhr is this price. Two pop hr is this price. What do you think ladies?

[QUOTE=BahamaMama; 1716307]So I saw a provider earlier tonight. We texted and set things up. I stop by a Wal-mart on the way to the incall local. Just to be nice I text the provider and ask if she needs me to pick her up anything. I'm thinking cigs, or a coke or something. The weather was bad so I could have even gotten her some milk or something. I was thinking I was being a pretty swell guy. So she finally texts back after I had checked out and was back out in my car. I call her. She proceeds to tell me she wants me to pick up a certain silk robe, on a certain rack, in a certain size. Then she needs toiletries, and certain brands. She wants me to pick up some specific storage containers from the school supply section. Ok, so I am thinking maybe if I go to all this trouble she will be extra accommodating. When I get to her room at the location she tells me that she was leaving the same Wal-Mart when I called, and had me go back in for a few extra things she wanted. This kind of irritated me, because I spent $25 bucks and had to go back, and go all over Wal-mart to find this crap. So anyway, we are chatting and she asks me if I am looking for a regular provider. She says she would like me to be a regular and only see her from now on. LOL. So we get to it. She is not GFE as decribed. Their is no kissing etc. She was not into it at all. She just layed there like a dead fish. Thirty seconds in during mish I say,"So do you think since I went to all that trouble to get that stuff at Wal-Mart, could I (GOD FORBID) get an extra pop." She sternly says,"No, I only allow "one pop" per session." Keep in mind that I was only quoted one flat rate. At no time was there any discussion about hhr's or hr rates.

Ugghhhh. This so irritates me. When I am with a provider I am pretty excited about being intimate with someone new. I really like to pop right away. After a minute or two I like to change cover and go for literally 3-8 more minutes to pop again. WHY IS THIS SUCH A PROBLEM LADIES? So just to note, I DO NOT ever go back to "one pop" only providers. All my regulars are more than happy to let me get two pops in during a 15-20 min hhr. Session.

This was similar to my experience with Delicious Dawn a year ago. She was basically the hottest provider I had ever seen. She was fantastic, all over me, totally into it. When I asked her if I could get two quick pops, I get a stern,"No, only one pop, I don't "do" multiple pops" for an answer. I am suppose to pay double for the hr rate to get the extra 5 min pop. Had she let me pop twice per my routine, I would have never gone to any other provider again. I seriously probably would have spent thousands over the last year on Dawn. Needless to say, I haven't seen Dawn since. Unfortunately, many providers lose good regulars because they will not under any circunstances allow for two pops during their hhr sessions. I wish providers would quote rates by the pop instead of 15 min is this much, hhr is this much, hr is this much etc. Why can't they say one pop hhr is this price, two pop hhr is this price. Two pop hr is this price. What do you think ladies?[/QUOTE]My only question is given her absurd demands and refusal to accommodate your reasonable request, why don't you post her name? You did after all call out Delicious Dawn for the same deficiency.

By the way, given your inviolable rule on multiple pops, which I would say should be mandatory given that the women are being compensated for their time not your powers of restraint, you should always require a definitive response in advance on this aspect of their service. No surprises!

[QUOTE=BahamaMama; 1716307]So I saw a provider earlier tonight. We texted and set things up. I stop by a Wal-mart on the way to the incall local. Just to be nice I text the provider and ask if she needs me to pick her up anything. I'm thinking cigs, or a coke or something. The weather was bad so I could have even gotten her some milk or something. I was thinking I was being a pretty swell guy. So she finally texts back after I had checked out and was back out in my car. I call her. She proceeds to tell me she wants me to pick up a certain silk robe, on a certain rack, in a certain size. Then she needs toiletries, and certain brands. She wants me to pick up some specific storage containers from the school supply section. Ok, so I am thinking maybe if I go to all this trouble she will be extra accommodating. When I get to her room at the location she tells me that she was leaving the same Wal-Mart when I called, and had me go back in for a few extra things she wanted. This kind of irritated me, because I spent $25 bucks and had to go back, and go all over Wal-mart to find this crap. So anyway, we are chatting and she asks me if I am looking for a regular provider. She says she would like me to be a regular and only see her from now on. LOL. So we get to it. She is not GFE as decribed. Their is no kissing etc. She was not into it at all. She just layed there like a dead fish. Thirty seconds in during mish I say,"So do you think since I went to all that trouble to get that stuff at Wal-Mart, could I (GOD FORBID) get an extra pop." She sternly says,"No, I only allow "one pop" per session." Keep in mind that I was only quoted one flat rate. At no time was there any discussion about hhr's or hr rates.

Ugghhhh. This so irritates me. When I am with a provider I am pretty excited about being intimate with someone new. I really like to pop right away. After a minute or two I like to change cover and go for literally 3-8 more minutes to pop again. WHY IS THIS SUCH A PROBLEM LADIES? So just to note, I DO NOT ever go back to "one pop" only providers. All my regulars are more than happy to let me get two pops in during a 15-20 min hhr. Session.

This was similar to my experience with Delicious Dawn a year ago. She was basically the hottest provider I had ever seen. She was fantastic, all over me, totally into it. When I asked her if I could get two quick pops, I get a stern,"No, only one pop, I don't "do" multiple pops" for an answer. I am suppose to pay double for the hr rate to get the extra 5 min pop. Had she let me pop twice per my routine, I would have never gone to any other provider again. I seriously probably would have spent thousands over the last year on Dawn. Needless to say, I haven't seen Dawn since. Unfortunately, many providers lose good regulars because they will not under any circunstances allow for two pops during their hhr sessions. I wish providers would quote rates by the pop instead of 15 min is this much, hhr is this much, hr is this much etc. Why can't they say one pop hhr is this price, two pop hhr is this price. Two pop hr is this price. What do you think ladies?[/QUOTE]Sounds like the music industries one hit wonders. My questions to you sir is that did you take that shit back to Walmart, after all you did have the receipt didn't you? You can't be a nice guy to some peeps it's makes them think you're weak as it did in this instance. Especially with a new provider. You got to keep your pimp hand strong my brother. This is why I really like Allie who has been MIA but I recently found out she is on vacation. She has never rushed me whether an hh or full hour and I have been able to pop as many times as I've wanted as I'm sure others that have seen her has as well. Anyway to clarify not calling you weak at all just saying that I guess this young lady thought she had a sucker just because you were being nice after all you got the last laugh and we know what that entitles. He who gets the last laugh, laughs best. BTW didn't get the providers name so I can put in my watch list to see how others rate her.

Happy hunting to all and to all a good night.

[QUOTE=BahamaMama; 1716307]So I saw a provider earlier tonight. We texted and set things up. I stop by a Wal-mart on the way to the incall local. Just to be nice I text the provider and ask if she needs me to pick her up anything. I'm thinking cigs, or a coke or something. The weather was bad so I could have even gotten her some milk or something. I was thinking I was being a pretty swell guy. So she finally texts back after I had checked out and was back out in my car. I call her. She proceeds to tell me she wants me to pick up a certain silk robe, on a certain rack, in a certain size. Then she needs toiletries, and certain brands. She wants me to pick up some specific storage containers from the school supply section. Ok, so I am thinking maybe if I go to all this trouble she will be extra accommodating. When I get to her room at the location she tells me that she was leaving the same Wal-Mart when I called, and had me go back in for a few extra things she wanted. This kind of irritated me, because I spent $25 bucks and had to go back, and go all over Wal-mart to find this crap. So anyway, we are chatting and she asks me if I am looking for a regular provider. She says she would like me to be a regular and only see her from now on. LOL. So we get to it. She is not GFE as decribed. Their is no kissing etc. She was not into it at all. She just layed there like a dead fish. Thirty seconds in during mish I say,"So do you think since I went to all that trouble to get that stuff at Wal-Mart, could I (GOD FORBID) get an extra pop." She sternly says,"No, I only allow "one pop" per session." Keep in mind that I was only quoted one flat rate. At no time was there any discussion about hhr's or hr rates.

Ugghhhh. This so irritates me. When I am with a provider I am pretty excited about being intimate with someone new. I really like to pop right away. After a minute or two I like to change cover and go for literally 3-8 more minutes to pop again. WHY IS THIS SUCH A PROBLEM LADIES? So just to note, I DO NOT ever go back to "one pop" only providers. All my regulars are more than happy to let me get two pops in during a 15-20 min hhr. Session.

This was similar to my experience with Delicious Dawn a year ago. She was basically the hottest provider I had ever seen. She was fantastic, all over me, totally into it. When I asked her if I could get two quick pops, I get a stern,"No, only one pop, I don't "do" multiple pops" for an answer. I am suppose to pay double for the hr rate to get the extra 5 min pop. Had she let me pop twice per my routine, I would have never gone to any other provider again. I seriously probably would have spent thousands over the last year on Dawn. Needless to say, I haven't seen Dawn since. Unfortunately, many providers lose good regulars because they will not under any circunstances allow for two pops during their hhr sessions. I wish providers would quote rates by the pop instead of 15 min is this much, hhr is this much, hr is this much etc. Why can't they say one pop hhr is this price, two pop hhr is this price. Two pop hr is this price. What do you think ladies?[/QUOTE]. I have always understood a half hour to be a one pop an if a fella wants multi pops he gets more time thats how iv always understood the hobby to be an most girls operate by that guidline.

[QUOTE=Caligulaxxx;1716407]. I have always understood a half hour to be a one pop an if a fella wants multi pops he gets more time thats how I've always understood the hobby to be an most girls operate by that guidline.[/QUOTE]Cali.

I agree with you thats the way I've understood the hobby for most girls. HHR is one pop and add more time for more pops.

JG

[QUOTE=Zomby; 1713550]Molly's right, pay cash if you can. You'll be much better off in the long run.

Building credit is another matter, one of borrowing money and paying it back timely. According to a family member who works in collections, the only sure fire method for building a good credit score is to borrow money from a reliable lender, a bank, credit union or strong, stable finance companies, like the ones all the auto manufacturers operate, and then pay it back on time and in full. Very early payoffs, such as paying a loan off in the first few months, or never keeping a balance on your credit card, are not going to help you as much, as they don't give any indication of your ability and willingness to pay off a long term loan. Remember, lenders don't make as much money when you pay their loans off early.

Be leery of anybody who claims to be able to build your credit without actually taking out a loan in your own name. Many of the "companies" that make this claim are scams who just want to either loan you money at exorbitant interest rates, or have you deposit [I]your [/I]money in an account that doesn't earn interest, in order to "secure" a credit card or other loan instrument. The problem arises when they don't report the results to the credit reporting agencies, which many of them don't, because it costs [I]them [/I]money to do so, which means you get no benefit at all with regard to credit rating, and have spent a bunch of money doing it.

The best way to build credit also happens to be the simplest. Go to a bank and get their credit card, even if it has a crappy interest rate. Most of these cards have a minimum payment that is either a percentage of the outstanding balance or some hard dollar amount like twenty-five dollars, whichever is higher. Buy something that will take you six months to pay off at that minimum amount, then pay it off in six months and check your credit score. Then do it again. Check your credit score again, it should be pretty decent by that time.

If you have no choice but to borrow money for a car, go to a bank, or a major brand new car dealer, even if you don't buy a new car, for a loan. The bank may want a co-signer, and the dealership will give you a crappy interest rate if you have no credit at all. Make sure there are no pre-payment penalties, and then pay it off no sooner than six months, and no longer than twelve. The six month window is for credit building, and the twelve month limit is to reduce interest charges, if your interested in that. If you get good terms, you should let it go longer, as that will only help your credit score. Remember, they don't really [I]want [/I]you to pay it off early, no matter [I]what [/I]the loan officer says. (: The bank will definitely take your tax return as proof of income, especially if you have more than one year's worth, and the new car dealership almost certainly will do so.

The advantage to having a new car dealer or bank write the loan is that they will faithfully report it to the credit agencies, both good and bad. Billy Joe Bubba's Used Cars will sell your loan to (or contract with to take it in the first place) a finance company. Most of those will diligently report when you fuck up, but some are not as diligent about reporting the good part, the regular payments. These folks may take your tax return, but I wouldn't bet on it.

I'm also skeptical of the claim that adding oneself as an "authorized user" to another person's loan will work. If you're not the one who is legally responsible for paying back the loan, that is, the person who actually signed the loan document, then you don't get any of the, ahem, credit for paying the loan back.

If you have [I]bad [/I]credit, as opposed to [I]no [/I]credit, these things will still work, especially the credit card one, but they will cost you more.[/QUOTE]As I was reading this, most of its true, BUT.

Whatever you do. DON'T keep going back to check your credit scores.

That will drive down your credit scores if you keep going back checking into it.

And it will also throw up red flags if you have it checked to much. I know this for a fact, it happened to me when I refinanced my house. Because months before I refinanced my house I also bought a new car for my wife, and 2 months before that I co-signed for my daughters car. In essence, I had my credit score checked 3 times in less than a half year. And red flags were thrown up because my score was checked to many times.

What Ally needs is a rich Sugardaddy.

[QUOTE=BahamaMama;1716307]Ugghhhh. This so irritates me. When I am with a provider I am pretty excited about being intimate with someone new. I really like to pop right away. After a minute or two I like to change cover and go for literally 3-8 more minutes to pop again. WHY IS THIS SUCH A PROBLEM LADIES? So just to note, I DO NOT ever go back to "one pop" only providers. All my regulars are more than happy to let me get two pops in during a 15-20 min hhr. Session.[/QUOTE]Dang dude. I wish I had your recovery skills. Consider yourself lucky. I usually have one HARD pop and that's it. Always been that way. And usually have to work hard for it too, to the point where if it takes too long my body becomes bored, even if I'm not, and loses interest then I have to self finish. As someone else said, typically hhr rates are for one pop. Some providers may allow more than one for a hhr session, but a hhr is usually meant to be a "quickie." You will find this to be the case more often than not. If you are only getting one pop, don't race to the finish so fast. Slow down and enjoy yourself then look elsewhere. Or find out up front that way you don't get surprised. Just my 2 cents.

[QUOTE=Caligulaxxx;1716407]. I have always understood a half hour to be a one pop an if a fella wants multi pops he gets more time thats how iv always understood the hobby to be an most girls operate by that guidline.[/QUOTE][QUOTE=Anderson74;1716461]Dang dude. I wish I had your recovery skills. Consider yourself lucky. I usually have one HARD pop and that's it. Always been that way. And usually have to work hard for it too, to the point where if it takes too long my body becomes bored, even if I'm not, and loses interest then I have to self finish. As someone else said, typically hhr rates are for one pop. Some providers may allow more than one for a hhr session, but a hhr is usually meant to be a "quickie." You will find this to be the case more often than not. If you are only getting one pop, don't race to the finish so fast. Slow down and enjoy yourself then look elsewhere. Or find out up front that way you don't get surprised. Just my 2 cents.[/QUOTE]I have seen several posts that are listed h, hh and short stay if hh is understood to be one pop or a quickie what does short stay stand for? And on the matter if bmama pacing himself maybe he needs to settle into his own niche its the whole old bull young bull theory. Take him by the hand and teach him about it LOL.

EFU

[QUOTE=EnufForU; 1716352]Sounds like the music industries one hit wonders. My questions to you sir is that did you take that shit back to Walmart, after all you did have the receipt didn't you? You can't be a nice guy to some peeps it's makes them think you're weak as it did in this instance. Especially with a new provider. You got to keep your pimp hand strong my brother. This is why I really like Allie who has been MIA but I recently found out she is on vacation. She has never rushed me whether an hh or full hour and I have been able to pop as many times as I've wanted as I'm sure others that have seen her has as well. Anyway to clarify not calling you weak at all just saying that I guess this young lady thought she had a sucker just because you were being nice after all you got the last laugh and we know what that entitles. He who gets the last laugh, laughs best. BTW didn't get the providers name so I can put in my watch list to see how others rate her.

Happy hunting to all and to all a good night.[/QUOTE]You are right, this is exactly what happened. For what it's worth as I was leaving I picked up one of my bills off of the nightstand, and said,"I will take this to cover the shit I bought."