[speaker001:] Where are you, Bob?
[speaker002:] I am in Plano. Where are you?
[speaker001:] Oh, okay. I am in Waco.
[speaker002:] Is that right?
[speaker001:] Yeah.
[speaker002:] Oh, okay.
[speaker001:] Right down the street.
[speaker002:] [LAUGHTER].
[speaker001:] Oh, credit cards. My favorite subject [LAUGHTER].
[speaker002:] You mean you use credit cards?
[speaker001:] Oh, do I.
[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,
[speaker002:] [LAUGHTER].
[speaker001:] [LAUGHTER] so you use a credit card.
[speaker002:] I understand that.
[speaker001:] Yeah. Uh, I probably have one of every credit card there is.
[speaker002:] [LAUGHTER].
[speaker001:] Do you use them a lot?
[speaker002:] Well, uh, it kind of comes and goes, uh, I use uh, Citibank, the, uh, Advantage one
[speaker001:] Uh-huh.
[speaker002:] pretty much cause you get vantage points for every dollar you spend. 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. Is that
[speaker002:] 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 [LAUGHTER].
[speaker001:] Yeah. That is my problem. I don't try and pay them off. I pay, like the minimum.
[speaker002:] Well you shouldn't do that.
[speaker001:] I know [LAUGHTER]. So I have got myself,
[speaker002:] You never, 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 [LAUGHTER].
[speaker002:] [LAUGHTER].
[speaker001:] In,
[speaker002:] Can't never get out of debt.
[speaker001:] In debt.
[speaker002:] And every time you try to get out of debt, the economy goes to pot because people are spending money, right.
[speaker001:] Yeah.
[speaker002:] [LAUGHTER].
[speaker001:] Have they put the cap on the interest rates?
[speaker002:] No.
[speaker001:] I didn't know if they actually did that or not. I know they were considering it.
[speaker002:] Just the people who don't need credit get the four and a half percent. The rest of the, uh, and me, we have got to pay fourteen and eighteen percent.
[speaker001:] Uh-huh. Yeah.
[speaker002:] [LAUGHTER].
[speaker001:] Funny how that works, isn't it [LAUGHTER]?
[speaker002:] The, 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 would be amazing how much, how many more people use it.
[speaker002:] Well, I think so because the,
[speaker001:] Because of the economy.
[speaker002:] That's right.
[speaker001:] Yeah.
[speaker002:] You have got to use everything you have got just to stay where you are at.
[speaker001:] Exactly. 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 where you work or anything like that?
[speaker001:] Yeah, I have a credit union.
[speaker002:] Do they have a Mastercard or VISA card?
[speaker001:] Yeah, they do. Uh-huh.
[speaker002:] You have got that one.
[speaker001:] Yes, I do [LAUGHTER].
[speaker002:] [LAUGHTER].
[speaker001:] [LAUGHTER] 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 N B C affiliate down here.
[speaker002:] I do a lot of work down in Waco, a
[speaker001:] Oh really.
[speaker002:] lot of, I call on a lot of my business is down there.
[speaker001:] Oh, okay. Where do you work? What is your,
[speaker002:] I sell metal fabricating equipment and tooling.
[speaker001:] Oh, okay.
[speaker002:] Tyme and Mercury and Tempco and all those people
[speaker001:] Oh, okay [faint].
[speaker002:] down there. Uh Gene He-,
[speaker001:] So you probably work with, uh, uh, what is the boy from here? [Very faint]. You ever work with Davis?
[speaker002:] Davis Iron?
[speaker001:] Davis Iron Work, yeah.
[speaker002:] Yeah, matter of fact I just saw them last week.
[speaker001:] Oh, okay. And, uh, what else.
[speaker002:] Are you in that part, are you in the south part of town now?
[speaker001:] Well, I live actually in Hewett.
[speaker002:] Oh, yeah. Okay.
[speaker001:] Yeah, right outside.
[speaker002:] You know
[speaker001:] So, that is where Davis Iron Works is.
[speaker002:] Do you know Parker Machine Tool down there.
[speaker001:] Uh.
[speaker002:] Bobby Parker and, uh,
[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:] They make, uh, humidifiers and
[speaker001:] Oh, okay.
[speaker002:] uh, filters for air filtration stuff for
[speaker001:] Okay.
[speaker002:] hospitals, homes, something like that.
[speaker001:] 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
[speaker002:] Oh, really.
[speaker001:] or something like K G H or,
[speaker002:] Huh.
[speaker001:] I can't think of it. I can't think of the name.
[speaker002:] Huh.
[speaker001:] But,
[speaker002:] I will have to stop in there. I went, I have gone through there, uh, my oldest son goes to A and M.
[speaker001:] 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:] Yeah.
[speaker002:] That is about the last time I have been through Marlin and Mart [LAUGHTER].
[speaker001:] Uh-huh. Oh, I don't like that drive. I make that drive sometimes we have stories out there but, uh,
[speaker002:] There is always a state trooper down there.
[speaker001:] Huh.
[speaker002:] You have got to drive careful.
[speaker001:] Oh, really [LAUGHTER]. 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.
[speaker002:] Uh-huh.
[speaker001:] They are real bad. That is where I got my last ticket.
[speaker002:] [LAUGHTER].
[speaker001:] So, of course, I couldn't pay that on a credit card.