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Everything posted by PolarBearnCO

  1. A shower can be done in less than 5 minutes. He may mess up the family's credit by not paying bills on time, but don't let him screw up the family's happiness by being a Neanderthal.
  2. Well, you only save that money if you were previously paying the $4/mo they charge to bill you monthly. If you have the card and set Geico to autopay your insurance bill each month by using the Platinum card to pay, they waive the $4/mo fee. You can also remove that fee by simply paying your insurance premium in full every six months, which is what I did. The Geico Platinum is also a rewards card, giving you 1% back to use toward paying your insurance. That's the big plus, if you don't already have a rewards card. Personally, I prefer to use the Amazon Chase which gives me 1% back toward purchases at Amazon because it gives me an excuse to buy another camera lens now and then. I also use PayPal Debit which gives me 1.5% cash back as soon as the transaction clears, but that is a debit account, not a credit account.
  3. I'd suggest you wait until you verify your direct deposit is there. It is rare, but it does occasionally happen that direct deposits don't get processed correctly. If that ever did happen, you'd be screwed if you didn't have the money to cover the charges. I verify my direct deposit is there, then I pay my bills. Oh, for the OP, I use MS Money and really like it. Very easy and detailed. Also, I don't use any special bill pay services. I pay from the website of the credit card or utility company I'm trying to pay. I get a confirmation number and MS Money keeps track of that for it. If someone ever said I didn't pay, I'd have a confirmation # to give them... no 3rd party paying my bills.
  4. A cosigner just about doubles their chances to get their money. And if they don't get their money, they'll at least get to screw up two lives instead of just one.
  5. I guess the suggested philosophy of only applying for credit you need comes into play once again. Good luck.
  6. Yikes! $16K for a single semester? My entire college degree didn't cost that much. If you ever want to go back to school... University of Wyoming is less than $3K per year for tuition, for residents. Simply live there for a year and you are a resident. You can even go to school as a non-resident while working toward residency. That's one of the cheapest quality 4-yr schools I have ever found. Their Geophysics dept used to be rated in the top 5 of the country for Master's work.
  7. Huh? Did they send you a letter or a ladder? Would be cool if they sent you a ladder. I'd ask for one of those Little Giants.
  8. I'd bet ya $100 they'd have only called once had you answered the phone the first time.
  9. A gun or two and minimal training will offer you better home and personal protection than a vicious canine, and will be less expensive in the long run and will carry less liability with it. I've never had to feed my guns nor take them to the vet. Plus, if anyone armed were ever to break into your home, they'd probably shoot your dog. I'd like to see them shoot a gun out of your hand. As a Fed I have seen way too many victims of dog bites from vicious dogs. Heck, even last week a German Shepard police dog off duty ran across the street to attack a postman in Indiana, unprovoked. Good luck to you if your future German Shepard ever attacks the neighbor kids or your grandkids. I love dogs, but I'd personally never get one that's bred to attack and maul. Samoyeds are cute. Lhasa Apsos make good guard dogs, especially when partnered up with a Baretta 90-Two 9mm.
  10. I pay full price but would like to be cancelled. I don't need the service now and regret that I have to call by phone to cancel the account. Damn Napster makes you do that too... 30 minutes of cell phone overages to cancel... grrr.
  11. You should check out the forums you are in right now and read a few posts. You're freaking out about nothing. Your tradeline will last for many years to come, probably longer than your memory of the account. Any score boost you get from the tradeline will also continue to last.
  12. I can help you with financial planning, and I won't charge you anything. Pay off that $120K ASAP. You can only write off from taxes up to $2500 interest paid in student loan debt. At 7%, that's roughly $35K balance. So, I'd be paying that off until you at least hit that $35K magic balance. Some people will tell you to just pay off those student loans monthly for 25 years, but is that really the quality of life you want? You want a loan to sit on your shoulders for almost half your remaining life? Personally, I like the idea of saving, but saving when debt exists just doesn't seem right. So, I only saved enough for emergencies... roughly two months income. Some will say it's easier to save at a higher interest rate than you will be paying. I could go on and on, but I'm going to assume you should have your own basic financial sense if you have been in school for a Master's.
  13. Someone invented the internet. You should check into it. You can access it from small towns, large towns, even outer space... oooooohhhh.
  14. ... and if they did send anything, you probably would have overlooked it anyway. It would have basically been one of those fine print agreements.
  15. Someone correct me if I'm wrong, but I think they usually use the scores of the person that makes the most money.
  16. You were previously unaware that your husband was in the military? Hmm, you should probably buy some communication devices or we'll be seeing you on Springer next season.
  17. From what I have seen around here, it is believed (myth or fact?) that you shouldn't be adding new inquiries while bumping. Kinda defeats the purpose anyway, wouldn't ya think?
  18. ...Or you could just wait it out. What's another two months after 7 years?
  19. Why would they say 2-6 months? Why didn't they pick one? Do they want 2 months or 6 months? Usually, I have been asked to have 2 months handy.
  20. Well, the whole freaking point of credit scores is to get credit at the lowest price, right? So, what's the point of having only 1 INQ and a decent score if you aren't going to use it? Take the INQs, save the money, live better.
  21. Yup, yup! I was approved and got my June score. I didn't get another score until August. Funny thing, though. My June score said 672. My August score said 638, yet I just purchased my scores from MYFICO a few days ago and it says my score is 679. So, I don't know why WaMu says my score dipped 35 pts when MyFICO says differently.
  22. That's my philosophy also. If you don't want to pay it, don't bring up the debt.
  23. No one. No. (Can't you feel the smart a$$ tone we've been feeding the worry-for-nothing OP?)
  24. Well, the "oil" issue is why my 95 Accord is now a cube somewhere 6 ft under. I was living rather poor 5 years ago and an oil change was a luxury I didn't think I needed. It ran for several years neglected, but finally lost a rod.
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