The Altera Centauri collection has been brought up to date by Darsnan. It comprises every decent scenario he's been able to find anywhere on the web, going back over 20 years.
25 themes/skins/styles are now available to members. Check the select drop-down at the bottom-left of each page.
Call To Power 2 Cradle 3+ mod in progress: https://apolyton.net/forum/other-games/call-to-power-2/ctp2-creation/9437883-making-cradle-3-fully-compatible-with-the-apolyton-edition
over $50k student loans
close to $10k on car loan
~$6k credit cards, but that is going to drop a whole bunch (finally got reimbursed)
JM
Jon Miller- I AM.CANADIAN
GENERATION 35: The first time you see this, copy it into your sig on any forum and add 1 to the generation. Social experiment.
Just my monthly credit card charges (which I pay off each month), plus about $6000 that I took out on a 0% credit card that's sitting in a savings account earning me interest
THEY!!111 OMG WTF LOL LET DA NOMADS AND TEH S3D3NTARY PEOPLA BOTH MAEK BITER AXP3REINCES
AND TEH GRAAT SINS OF THERE [DOCTRINAL] INOVATIONS BQU3ATH3D SMAL
AND!!1!11!!! LOL JUST IN CAES A DISPUTANT CALS U 2 DISPUT3 ABOUT THEYRE CLAMES
DO NOT THAN DISPUT3 ON THEM 3XCAPT BY WAY OF AN 3XTARNAL DISPUTA!!!!11!! WTF
Originally posted by DanS
Anyway, I think I need more debt. I only have a mortgage, which I may refinance to a 40-year variety and cash out to 80% of the value of my place.
Why? If you are planning to reinvest the proceeds, I could see that as a good idea. BUt I am pretty much headed the other way since I can I am trying to completely eliminate debt is a measured fashion
You don't get to 300 losses without being a pretty exceptional goaltender.-- Ben Kenobi speaking of Roberto Luongo
Originally posted by Flubber
Why? If you are planning to reinvest the proceeds, I could see that as a good idea. BUt I am pretty much headed the other way since I can I am trying to completely eliminate debt is a measured fashion
Yes, I will be reinvesting the proceeds. Mostly, I will be using the debt to gain a truer understanding of my financial health.
I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891
Mortgage is it, if I hadn't got engaged last year and moved out of my small condo into a nicer house I would probably have nothing. I am not complaining, the house is much nicer than anything I could have done myself, and it's going to appreciate better than the condo!
My fiancee has some car/student loan debt, but I worked/lived at home/ lived like a monk during university so I got out debt free!
Once you start down the dark path, forever will it dominate your destiny, consume you it will, as it did Obi Wan's apprentice.
My fiancee has some car/student loan debt, but I worked/lived at home/ lived like a monk during university so I got out debt free!
Ditto. My wife saddled me with all our debt.
"Just puttin on the foil" - Jeff Hanson
“In a democracy, I realize you don’t need to talk to the top leader to know how the country feels. When I go to a dictatorship, I only have to talk to one person and that’s the dictator, because he speaks for all the people.” - Jimmy Carter
Originally posted by Ogie Oglethorpe
My wife saddled me
She sounds like an adventurous one
THEY!!111 OMG WTF LOL LET DA NOMADS AND TEH S3D3NTARY PEOPLA BOTH MAEK BITER AXP3REINCES
AND TEH GRAAT SINS OF THERE [DOCTRINAL] INOVATIONS BQU3ATH3D SMAL
AND!!1!11!!! LOL JUST IN CAES A DISPUTANT CALS U 2 DISPUT3 ABOUT THEYRE CLAMES
DO NOT THAN DISPUT3 ON THEM 3XCAPT BY WAY OF AN 3XTARNAL DISPUTA!!!!11!! WTF
A thing either is what it appears to be; or it is not, but yet appears to be; or it is, but does not appear to be; or it is not, and does not appear to be.--Epictitus
Originally posted by Ogie Oglethorpe
Ditto. My wife saddled me with all our debt.
[Insert off-color joke here.]
I came upon a barroom full of bad Salon pictures in which men with hats on the backs of their heads were wolfing food from a counter. It was the institution of the "free lunch" I had struck. You paid for a drink and got as much as you wanted to eat. For something less than a rupee a day a man can feed himself sumptuously in San Francisco, even though he be a bankrupt. Remember this if ever you are stranded in these parts. ~ Rudyard Kipling, 1891
Originally posted by Ogie Oglethorpe
$30K per semester plus books, travel etc.
When I was a student (abroad even), my total expenses were something like 10k€ a year. And I could have lived with ~6k€ a year, if my parents had been tight.
"I have been reading up on the universe and have come to the conclusion that the universe is a good thing." -- Dissident "I never had the need to have a boner." -- Dissident "I have never cut off my penis when I was upset over a girl." -- Dis
I have no debt, although I intend to be buying a house for the first time in the next few months, and houses in the southeast of England are oh-so-cheap.....
One day Canada will rule the world, and then we'll all be sorry.
Originally posted by Dis
well if anyone cares, my parents were poor, and I grew up poor. I never recieved a dime from them after age 18. In fact, even before 18, I never got any kind of allowance. I had a high school job, and paper route before that.
Never went to college. That should be obvious. . Actually, I'm willing to bet I'm smarter than most people with a degree. Most people quit learning after leaving college, while I continue learning. I have a thirst for knowledge. I use the internet more for learning than for porn (actually I don't use the internet for porn at all anymore).
That, and a lack of a girlfriend/wife all my life has kept my debt pretty low.
Only kidding. I knew guys who couldn't get girlfriends who were flat broke. it's really all in the lifestyle and financial discipline. Some people spend money like there is no tomorrow.
Better to be goal oriented than just out to have a bit of fun before crawling home.
I once paid off a loan to Ford credit by sending the total due with a note to apply it all to principal. It worked...
Long time member @ Apolyton
Civilization player since the dawn of time
Yes, I will be reinvesting the proceeds. Mostly, I will be using the debt to gain a truer understanding of my financial health.
how exactly can you do that?
Makes no sense to me. I hate being in debt. Perhaps because I'm always a worrier.
So now my house and car are about to be paid off, I'm not sure what to do with my money. Should I buy another house or put more money into mutual funds?
I currently have over $6000 in mutual funds (I originally put in $6000 exactly, I think it's worth close to $7000 now), Over $6000 in roth IRA's, and around $5000 in a regular IRA (rolled over from my old 401K), plus I have another retirement fund with around $5000 in it.
Anyone have any recommendations on what to do with my paycheck? And sending it to you guys is not an option. .
The thing about buying a new house is I'm lazy, and hate keeping up with chores such as painting. . But I think it's worth it as the housing market has eased back. But I still don't think it's done correcting itself. Prices may come down further. As it is, many people in Las Vegas can't afford to buy a house because they cost so much now.
, but I haven't done much to decrease it either 
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