[speaker001:] are you Bob
[speaker002:] I am in Plano where are you
[speaker001:] oh okay I am in Waco
[speaker002:] is that right oh okay
[speaker001:] yeah right down the street oh credit cards my favorite subject
[speaker002:] you mean you use credit cards
[speaker001:] oh do I uh
[speaker002:] I bet you used them all up over Christmas
[speaker001:] yeah mostly over Christmas uh I get in a rut with credit cards cause they get me kind of in a vicious cycle where you use them a lot one month and then you have to use whatever money you have to pay those off
[speaker002:] and then your are in debt
[speaker001:] and so then you have no money so you use a credit card
[speaker002:] I understand that
[speaker001:] so yeah uh I probably have one of every credit card there is do you use them a lot
[speaker002:] well uh it kind of comes and goes uh I use uh Citibank uh the Advantage one pretty much because you get
[speaker001:] uh-huh
[speaker002:] Advantage points for every dollar you spend and once a year I get a free airplane ride that way
[speaker001:] oh
[speaker002:] so as long as you pay it off every month it doesn't cost you anything
[speaker001:] yeah yeah well that is a good idea
[speaker002:] so that is what I
[speaker001:] that through a Visa
[speaker002:] yeah
[speaker001:] uh-huh
[speaker002:] yeah
[speaker001:] huh
[speaker002:] but uh I got all sorts of credit cards for my business that I use but uh
[speaker001:] uh-huh
[speaker002:] if I can get away with paying them off every month it is alright if I don't then it gets expensive
[speaker001:] yeah yeah that is my problem I don't try and pay them off I pay like the minimum but I know so I have got myself
[speaker002:] well you shouldn't do that you you you never you you you never get out of the hole that way
[speaker001:] exactly I have got that is why I have got myself with all this trouble now but I pay most of them on time and everything it is just the I always have them so it is kind of strange
[speaker002:] kind of like the federal government right
[speaker001:] oh yeah exactly like the government in
[speaker002:] never never get out of debt
[speaker001:] in debt for
[speaker002:] and any time you try to get out of debt the economy goes to pot because people are spending money right
[speaker001:] yeah yeah have they put the cap on the interest rates
[speaker002:] so no
[speaker001:] I didn't know if they actually did that or not I know they were I know they were considering it
[speaker002:] no just the people who don't need credit get the four and a half percent the rest of the uh and me we got to pay fourteen and eighteen percent so
[speaker001:] uh-huh yeah funny how that works isn't it
[speaker002:] thou thou who doesn't need credit gets cheap credit
[speaker001:] I would be interested to find out how many people or how much uh people use credit this year say in nineteen ninety two as opposed to nineteen ninety one even nineteen ninety I think I think it be amazing how much how many more people use it
[speaker002:] well I think so because the
[speaker001:] because of the economy yeah
[speaker002:] that's right right you have got to use everything you have got just to stay where you are at
[speaker001:] exactly
[speaker002:] yeah
[speaker001:] I would be very I would like to see some numbers on that I think that would be interesting
[speaker002:] do you do you have any uh credit union or anything where you work or anything like that do you
[speaker001:] yeah I have a credit union
[speaker002:] we have a Master Card or Visa too
[speaker001:] yeah they do uh-huh
[speaker002:] you got that one
[speaker001:] yes I do yes I do a matter of fact
[speaker002:] who who do you work for
[speaker001:] uh I work for Channel six
[speaker002:] oh
[speaker001:] it's it's an NBC affiliate down here
[speaker002:] yeah I do a lot of work down in Waco a lot of I call on a lot of my business is down there
[speaker001:] oh really oh okay where do you work what is your
[speaker002:] yeah I sell metal fabricating equipment and tooling and uh
[speaker001:] oh okay
[speaker002:] Tyme and Mercury and Tempco and all those people down there
[speaker001:] oh okay so you probably work with uh
[speaker002:] GNK
[speaker001:] uh what is the boy from here you ever work with Davis
[speaker002:] Davis Iron yes yep matter of fact I just saw them last week yep
[speaker001:] Davis Iron Work yeah oh okay and uh what else
[speaker002:] are are you in that part are you in the south part of town now
[speaker001:] yeah well I live actually in Hewett
[speaker002:] oh yeah okay
[speaker001:] yeah right outside so that is where Davis Iron Works is
[speaker002:] you know you know uh Parker Machine Tool down there
[speaker001:] uh
[speaker002:] Bobby Parker
[speaker001:] I don't think I have seen that one I am sure I pass by it or something but I am not sure
[speaker002:] there is a place in Hewett called it is a new company called Prime Air that is in Hewett just around the corner from Davis Iron Works
[speaker001:] huh Prime Air
[speaker002:] yeah they make uh humidifiers and uh filters for air filtration stuff for you know hospitals homes something like that it's a new kind
[speaker001:] oh okay okay have you ever been to Marlin
[speaker002:] uh yeah
[speaker001:] I think it is Marlin or Mart they have uh uh a place I guess that would be similar to Prime Air it is called H G H or something like K G H or
[speaker002:] oh really huh
[speaker001:] I can't think of I can't think of the name but
[speaker002:] I will have to stop in there I went I have gone through there uh my oldest son goes to A&M and
[speaker001:] uh-huh oh yeah
[speaker002:] he is working on his Master's the Navy sent him there for his Master's mostly in Engineering so once and a while we go up six there rather than take forty five
[speaker001:] uh-huh uh-huh yeah
[speaker002:] that is about the last time I have been through Marlin and Mart
[speaker001:] uh-huh oh I don't like that drive I make that drive sometimes we have stories out there but
[speaker002:] there is always a state trooper down there you have got to drive careful
[speaker001:] huh oh really I know
[speaker002:] between Mart and Marlin they will nail you if you go over sixty miles an hour
[speaker001:] oh goodness they they are bad at Hewett too on eighty four they are real bad that is where I got my last ticket
[speaker002:] huh uh-huh
[speaker001:] so of course I couldn't pay that on a credit