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Donna47129 last won the day on July 19 2008

Donna47129 had the most liked content!

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About Donna47129

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    It works for me...


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    You really don't care, do you?

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  1. You know, I may be in the minority here, but I Wish that I had a few thousand sitting around because I would actually be BUYING stocks right now! How do you think millionaires are made? Buying low and selling high.
  2. Aw Leslie, So sorry for your family's loss... That's one reason I don't panic (economy wise at least), because you never know when you won't be here tomorrow, so I just live for mostly for today. I wish you well...
  3. Yup, This weekend planting some landscaping at my new home (thanks Charles ) and going to a football game. The way I look at it is, I have 30 years or more til retirement, I can ride this out. I'll also have a home paid off before then, it doesn't matter if the value falls, I'll have a roof over my head. We also opted for a house $100,000 under what we qualified for...because I don't ever want to be in a position I was in years ago, not in a house over my household head, but over my individual head from when ex-DA ran off with huzzy. I don't have to worry about a job, let's just say my mark
  4. Yup, the DPA was GREAT!! Our seller paid that plus all closing, so we closed on our house with a whole big $500!! We are in a market were it makes more sense to own. Overall we are paying about $100.00 more than rent, but at least our money is going somewhere instead of to a landlord. Same thing with us, our landlord was in her late 70s, she couldn't help it, but also not in the position to fix anything so DH usually did all of that. I also couldn't stand not being able to change things I didn't like, but now, if I want to knock down a wall, by golly I can!! lol-though I don't see that happe
  5. OP, I would listen to anyone with the proper credentials...actually working in the industry far surpasses knowledge supposedly gained from what one's friends went through or what someone has read...
  6. and THANKS!! I haven't been on the net much the last week or so, we just moved everything this weekend and are just now getting settled. Anyway, as far as the mechanics, we got an FHA loan. I don't think that it would be fair to list our interest rate, because it may make someone else talking to Charles think that this should also be their rate (even though it would be comparing apples to oranges), BUT I will tell you that we are very happy with the rate and it falls between 5.5 and 6.5 (just throwing out a complete span of a point). And no, it's not 6.5, nor is is 5.5! lol My median score w
  7. Hi everyone, I haven't been on here for about a month or so, was concentrating on buying a home. That prospect just became reality due to Charles at Firstsource Mortgage!! We closed on our home Wednesday, and we are SO happy! Not sure if you remember my story about losing my home many years ago due to a divorce, but I'm finally a home owner again!! Charles really knows his stuff. I had several loan officers tell me that we wouldn't be able to get a loan, and one that told me that we "might" be able to, but that it would take a "lot of extra hard work" in order to make it happen. He said th
  8. does work. I have this knowledge from a lender too, not only just pulling myfico scores. So since this is my personal true knowledge that I have experienced, that's what I have to believe.
  9. Cool, I'm gonna try it out because it's cheaper than TC, and I'm afraid the inquires will come back to haunt!
  10. Ugh, guess I have that to look forward to! So Chase isn't a reseller?
  11. Yup, I think it has to be the combining as someone suggested on here not long ago (sorry-can't remember who ) When I was just using TC it stopped, picked up creditkarma and its working again, if no one else is using that combo there has to be something to it. Plus I signed me up for creditkarma first, and my b*ing started working again first. I think I need to switch to Chase and hope they don't come back!
  12. Hey guys, Just stopped in to say that b*ing is working again on me. I stayed with TC but added credit karma. I had been down to 0, then the inquiries came back putting me at 10, started disappearing two weeks ago. My DH's just started doing the same thing, but his was a week later. I was at 10 two weeks ago, now 3. He was at 9, now 6, and none were due to age. Is this happening to anyone else still using TC? I'm thinking it may be time to cancel them and switch so that the now deleted ones again don't come back.
  13. Sorry it took so long to get back, I've had a lot going on and haven't been on here for a week or so, but here's the answer I got back from our insurance broker, who knows what he's talking about: Anytime an insured incurs a health care claim under a health insurance contract that claim has to be submitted to the health insurance provider within 12 months of the date of the claim. After that, the insurance carrier is not liable for the claim. However, it is the insured's responsibility to see that claims are filed timely because, ultimately, it is the responsibility of the insured to pay the