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Everything posted by whocares

  1. I learned how to control myself and my spending, 5 years later I have a 765 FICO and all my cards are paid ontime. I do not apply for credit anymore, I have no inquiries. I do have some debt but I am paying more than the minimum every month and not using some cards, some have occasional use just to keep them open... I hope this inspires some of you, You can do it, keep it good and still have the life you want...
  2. Just checking in, it's been 5 years since my repair and new credit has been doing well. Checking in with some of the older members here and wondering how they are doing...
  3. LTNS my friend. good to see your doing well....
  4. I use Spybot and CCleaner, short for crap cleaner, it will fix your registry too, thats the best part, removing left over files after an uninstall.... JMHO8-)
  5. whocares


    Ok ya got me, whats a stickleback?
  6. Updating this thread...How is everyone doing?
  7. Updating this thread, I bought the house, closed in June, Put her up for sale last week...for 20,000.00 and it's under contract after only 8 days on the market...now thats a way to get a return on that investment...and really stretched the refund check...
  8. I have had target red card for 2 years now, 1000.00 limit...I don't think I need more than that...I have never been late carry a small balance most of the time and I shop there online often....I have not been offered the upgrade and my score is 730...Good Luck to ya!!!~
  9. I got laid off a few months ago and I noticed my Barkley Itunes visa rate was 22.74%. I carry a small 300.00 balance so I called and asked them to lower my rate and they did to 19.24% so it's better than nothing even on a small balance. Then I called Hooters and they said NO WAY are we lowering our rates...22.99% is a good rate...I laughed and said I only owe you 100.00 and I would like to pay this off now and close this account...and I did. I'm going to try a few more cards tomorrow, just for grins...Lower rates kept me a barkley customer....
  10. LOL it was too funny, from Sallie Mae...telling me I had overpaid my 100.000.00 in student loans and the inadvertantly charged me interest and additional fees...the check was for 2.65 I guess it's my money..,they said so, but I paid off my loans about 3 or 4 years ago...must be some kind of sign of things to come.
  11. Check the dell outlet, the printers have warrenties and start about 149.00, I prefer laser printers myself...Good Luck
  12. Do you have homeowners insurance? Maybe that would cover it? BTW anything you do is likely to change your relationship as well as the relationship they have with your children... I would tell him it would be ok to buff it out, and when he tries to maybe he will realize it is not possible, and how much damage he has caused.... Then take it somewhere to see it you can have it touched up, and never mention it again.
  13. The Tax Man At the end of the tax year, the IRS sent an inspector to audit the books of a synagogue. While he was checking the books he turned to the Rabbi and said: "I notice you buy a lot of candles. What do you do with the candle drippings?" "Good question", noted the Rabbi. "We save them up and send them back to the candle makers, and every now and then they send us a free box of candles. "Oh", replied the auditor, somewhat disappointed that his unusual question had a practical answer. But on he went, in his obnoxious way: "What about all these biscuit purchases? What do you do with the crumbs?" "Ah, yes", replied the Rabbi, realizing that the inspector was trying to trap him with an unanswerable question. "We collect them and send them back to the manufacturers, and every now and then they send a free box of holy biscuits." "I see!" replied the auditor, thinking hard about how he could fluster the know-it-all Rabbi. "Well, Rabbi", he went on, "What do you do with all the leftover foreskins from the circumcisions you perform?" "Here, too, we do not waste", answered the Rabbi. "What we do is save up all the foreskins and send them to the IRS, and about once a year they send us a complete d* ck . ________________________________________________________________ A husband and wife are shopping in their local Wal-Mart. The husband picks up a case of Budweiser and puts it in their cart. 'What do you think you're doing?' asks the wife. 'They're on sale, only $10 for 24 cans,' he replies. 'Put them back, we can't afford them,' demands the wife, and so they carry on shopping. A few aisles further on along the woman picks up a $20 jar of face cream and puts it in the basket. 'What do you think you're doing?' asks the husband. 'It's my face cream. It makes me look sexy and beautiful for you when we're making love,' replies the wife. Her husband retorts: 'So does 24 cans of Budweiser ... at half the price.' ______________________________________________________________ One for the ladies of a certain age -------------------------------------------------------------------------------- The Night of April 1st Defense Attorney: Will you please state your age? Little Old Lady: I am 86 years old. Defense Attorney: Will you tell us, in your own words, what happened the night of April 1st? Little Old Lady: There I was, sitting there in my swing on my front porch on a warm spring evening, when a young man comes creeping up on the porch and sat down beside me.. Defense Attorney: Did you know him? Little Old Lady: No, but he sure was friendly. Defense Attorney: What happened after he sat down? Little Old Lady: He started to rub my thigh. Defense Attorney: Did you stop him? Little Old Lady: No, I didn't stop him.. Defense Attorney: Why not? Little Old Lady: It felt good. Nobody had done that since my Albert died some 30 years ago.. Defense Attorney: What happened next? Little Old Lady: He began to rub my breasts. Defense Attorney: Did you stop him then? Little Old Lady: No, I did not stop him.. Defense Attorney: Why not? Little Old Lady: His rubbing made me feel all alive and excited. I haven't felt that good in years! Defense Attorney: What happened next? Little Old Lady: Well, by then, I was feeling so 'spicy' that I just laid down and told him 'Take me, young man. Take me now!' Defense Attorney: Did he take you? Little Old Lady: Hell, no! He just yelled, 'April Fool!' And that's when I shot him, the little -------. ___________________________________________________________-- A young guy from North Dakota moves to Florida and goes to a big "everything under one roof" department store looking for a job. The Manager says, "Do you have any sales experience?" The kid says,"Yeah. I was a salesman back in North Dakota." Well, the boss liked the kid and gave him the job. "You start tomorrow. I'll come down after we close and See how you did." His first day on the job was rough but he got through it. After the store was locked up the boss came down. "How many customers bought something from you today? The kid says, "One". The boss says, "Just one? Our sales people average 20 to 30 customers a day. How much was the sale for?" The kid says, "$101,237.65". The boss says, "$101,237.65?" What the heck did you sell?" The kid says, "First I sold him a small fish hook. Then I sold him a medium fish hook. Then I sold him a larger fish hook. Then I sold him a new fishing rod. Then I asked him where he was going fishing and he said down the coast, so I told him he was going to need a boat so we went down to the boat department and I sold him a twin engine Chris Craft. Then he said he didn't think his Honda Civic would pull it, so I took him down to the automotive department and sold him that 4x4 Expedition." The boss said, "A guy came in here to buy a fish hook and you sold him a BOAT and a TRUCK?" The kid said, "No, the guy came in here to buy Tampons for his wife and I said, 'Dude, your weekend's shot - you should go fishing.'
  14. The very first ever Blonde GUY joke..... And well worth the wait! An Irishman , a Mexican and a Blonde Guy were doing construction work on scaffolding on the 20th floor of a building. They were eating lunch and the Irishman said , 'Corned beef and cabbage! If I get corned beef and cabbage one more time for lunch , I'm going to jump off this building.' The Mexican opened his lunch box and exclaimed , 'Burritos again! If I get burritos one more time I'm going to jump off , too.' The blonde opened his lunch and said , ' Bologna again! If I get a bologna sandwich one more time , I'm jumping too.' The next day , the Irishman opened his lunch box , saw corned beef and cabbage , and jumped to his death. The Mexican opened his lunch , saw a burrito , and jumped , too. The blonde guy opened his lunch , saw the bologna and jumped to his death as well. At the funeral , the Irishman's wife was weeping... She said , 'If I'd known how really tired he was of corned beef and cabbage , I never would have give n it to him again!' The Mexican's wife also wept and said , 'I could have given him tacos or enchiladas! I didn't realize he hated burritos so much.' Everyone turned and stared at the blonde's wife. The blonde's wife said , 'Don't look at me. The idiot made his own lunch...'
  15. Monstrous fees, high interest rates, disappearing rewards . . . credit card companies are battering consumers across the board. But no cards are worse than these. By Liz Pulliam Weston MSN Money If you have a credit card, chances are pretty good that your deal got worse in the past year. Maybe your rate went up or your credit limit went down, or the issuer gutted the rewards program. It's just going to get uglier, as I told you in "Banks have declared war -- on you." Still, it may make you feel a little better to know there are much, much worse credit card deals out there than the one you have. Unless, of course, your card is one of those singled out by the three experts I consulted -- Curtis Arnold of CardRatings.com, Justin McHenry of Index Credit Cards and Bill Hardekopf of LowCards.com -- to find the worst of the worst. Here are their nominations: The worst retail card Macy's Card Cards offered by retailers and specialty stores are usually a bad deal, but Macy's still manages to stand out. "Almost without fail, (retail) cards charge exorbitant interest rates. The worst offender I know of is the Macy's credit card, with its 23.99% interest rate," McHenry said, "but cards from J.C. Penney, American Eagle Outfitters, Gap, Brooks Brothers, J. Crew and Dillard's all come in at rates over 20%. Many people apply for retail cards to get a discount on their purchases, typically 10% to 20% off. But you can often get the same benefits and a better overall deal by applying for a store card that's affiliated with a major credit card brand. "If you really want a store credit card, try to get a store card associated with Visa, MasterCard or American Express -- those cards generally have interest rates lower than the store-only credit cards," McHenry said. "For example, I just got a Banana Republic Visa with an interest rate of 14.24%. Compare that to Banana Republic's store-only card, which charges a rate of 21.9%." If you don't carry a balance -- and you shouldn't -- the interest rate doesn't matter, but you'll still benefit from a card you can use in more places. The worst cash-back card Money Return Platinum Plus Visa from Bank of America If you pay your balance in full, cards that offer cash rebates are usually a terrific deal, as I wrote in "20 credit cards that pay you back." Not this one. Oh, the terms look sweet at first: no annual fee, 0% for six months on balance transfers and a whopping 10% cash rebate. You get the 10% cash back, however, only if you carry a balance. And the annual percentage rate for carrying a balance ranges from 9.99% to 19.99%."So you pay up to almost a 20% APR to earn (back) only 10% of your interest that you pay out of your pocket," said Arnold, of CardRatings.com. "Doesn't take a math genius to figure out that this is a lose-lose proposition." The worst subprime card Centennial Gold MasterCard from First Premier Bank Once again, there are plenty of awful options in this category that caters to folks with bad credit, but the Centennial Gold MasterCard distinguishes itself in a crowded field. "This subprime card boasts a 9.9% fixed rate, an amazing rate for any subprime offer," Arnold said. But when you look under the hood, you find a nest of fees: A one-time account set-up fee of $29.A one-time program fee of $95. An annual fee of $48. A $7-a-month servicing fee, which equals an additional $84 per year. "So, if you get approved for a $250 line (of credit), you are out $256 in fees during your first year of card membership and only have $71 available credit your first month," Arnold noted. "What a rip!" It's cards like this that caused Congress to rewrite the rules on fees as part of the new credit card reform bill, McHenry noted. After February 2010, issuers won't be able to charge fees equal to more than 25% of a card's limit. The worst secured cards New Millennium Bank Secured Gold Visa or MasterCardNew Millennium Bank Secured Platinum Visa or MasterCard Secured cards, which offer credit lines equal to the deposits made by borrowers, will likely become a better option than subprime cards as lenders flee the subprime market. Just make sure to pick a secured card other than these. Hardekopf summarizes the "features" of the platinum cards: "A $59 annual fee. A $99 processing fee. A 19.5% (interest rate) for purchases and balance transfers. And no grace period." Yup, that's right. Even if you pay your balance in full every month, you'll still owe interest charges on anything you charge. Talk back: Have you been abused by a credit card company? Similar fees, terms and rates apply for the gold versions. Arnold said most secured cards have annual fees of $20 to $40, and he'd never heard of an "application processing fee" for a secured card. "Secured cards are often the most consumer-friendly option for many consumers seeking to build or rebuild their credit," Arnold said. "But this secured card is anything but consumer friendly." The worst prestige card Visa Black Card issued by Barclays Bank McHenry's beef with this card? The whopping annual fee. This card "attempts to use marketing fluff to convince people to pay $495 per year for a card that offers little more than other cards that are free or have nominal fees," McHenry said. For example, the card's rewards program is a basic 1% cash-back or points plan that's no different from many no-fee cards, McHenry said. The card promises concierge service and access to airport lounges, which "might be nice but isn't particularly unique." Barclays is obviously trying to piggyback on the aura of hard-to-get prestige cards such as American Express' black Centurion card. "To me it's a cynical marketing ploy," McHenry said. "Charge a high fee for a supposedly prestigious card that's no better than average and see how many people will assume that it's better because it costs more." The worst marketing for an otherwise OK card American DreamCard MasterCard issued by HSBCI added this category mostly to please Arnold, who is profoundly irritated by this card. And boy, does he have a point. The rates and terms for the American DreamCard are actually pretty good for its target market of folks with battered credit, Arnold said. It's the message that disturbs. The American DreamCard encourages you to spend so that you'll earn "entries" to win "large monthly cash jackpots!" These jackpots grow depending on how much people spend, and you can win more entries by encouraging your friends to get the card. HSBC touts this as "the credit card program that can make people rich!" Which is probably a better tag line than "an apocalyptically horrible idea to encourage gambling through overspending! Oh, and let's suck your friends in, too!" Liz Pulliam Weston is the Web's most-read personal-finance writer. She is the author of several books, most recently "Your Credit Score: Your Money & What's at Stake." Weston's award-winning columns appear every Monday and Thursday, exclusively on MSN Money. She also answers reader questions on the Your Money message board.
  16. Updating this thread...Since I last posted I have paid off the other house we bought and am looking at another cash deal. Paid off Target, and Walmart !!! Now back to more normal posts
  17. LOL too funny...Hubby and I make it everyday and we think we have had sex at least 10,000 times since we have been together...
  18. Sorry to hear of you MIL...BTW are you married? if so maybe you need to talk to HR about including that as a benefit for couples like yourself. If your not married then that may be the reason.... Cheer up honey, at least you have a job and a possible chance to change the benefits for others in your situation...
  19. whocares

    Star Trek

    I enjoyed it too, I saw it at the thearte with hubby for our 24 anniversary...Yes I'm that old...
  20. They closed mine a few months ago and I'm not upset,,,it did what it was supposed to do...give me a line of credit, Now that it is closed and in good standing I am fine...
  21. I knew I would be laid off sooner or later, company has laid off 80 of it's workforce... Cards have all been insured over 6 months... But if I use the insurance does this restrict my overall credit I have several cards from the same issuer...will they lower my limits? Will they close my accounts while using the insurance?
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