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Chester P. Dexter

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Chester P. Dexter last won the day on June 4 2009

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500 posts and hasn't been banned yet....

500 posts and hasn't been banned yet.... (6/6)



  1. Sounds like they were doing more than just surviving - putting two buns in the oven in the space of two years?!?! Wow, it's a new spin on "survival." Amazing that they were able to do that amidst all the "medical problems," too.
  2. I stuck this onto the end of the "credit cards are not lawful" thread but realized it needs its own thread. Let the melee begin. (copied text follows): I just thought I'd contribute to the perennial thread. A perfect example of "crapitude" (crappy attitude) Note that the pregnant lady with all the medical problems (uh-huh, I bet - if pregnancy is a "medical problem") was able to nevertheless crank out TWO kids in the space of 24 months while not paying her mortgage for the same 24 months... (extra free time?) And the wine steward ceased paying his mortgage as a way of "sticking to to the banks." ‘Squatter Rent’ May Boost Spending as U.S. Mortgage Holders Bail - Bloomberg.com
  3. edit: I made a contribution to this zombie thread here but then I cut and pasted it to its own new thread. (called "This deserves a thread of its own.")
  4. That seems a little sociopathic and unbalanced; you might want to channel your energies more positively in another direction instead.
  5. My son is 18 now and therefore old enough to get these offers. Most likely because within the last year I helped him obtain his one and only credit card, an unsecured USAA mastercard. Who needs more than that? If I had to start with one company, I'd start with and stay with USAA because I can't imagine needing to do business with another credit card company. I'm sure it's because of having that card that he was offered an AMEX (not USAA's version, but a real AMEX) recently, and he didn't even entertain the notion. He's cheap/prudent enough (and on a student's budget, which means a shoestring budget) that paying money for an annual fee (although they tried to tempt him, too, with the "first year waived" deal) was an instant deal-breaker. He was also offered a Paypal Mastercard sometime during the last year and I said, "No, no - stay far, far away from the poison!" AMEX isn't exactly poison and would be a good card to have, but not with an annual fee like that. Totally inappropriate for a college student, too.
  6. This may be of interest: http://seekingalpha.com/article/249794-wall-street-s-ford-obsession-is-a-great-opportunity-for-investors?source=article_sb_popular_8
  7. I never said I lived above my means. I over-leveraged for other reasons. I'm not sure why you assumed that. Also, I don't see why those with job loss or medical-cost misfortunes would be affected by interest rate increases unless they had over-extended themselves, as I originally said. I realize that living on credit has become the American way of life, but that doesn't make it safe or wise.
  8. Well, really, workingpoor, what would you do if you were a banker? Run the bank as a non-profit? People have to protect themselves from being taken advantage of, and from getting into precarious situations. Anyone who is significantly harmed by an interest rate increase has over-borrowed... I should know! I am over-leveraged in a variety of ways. It's not ideal. I got myself here, though... I'm not blaming anyone else for it. I'm not saying that there should be no regulations or protections in place for the consumer - obviously there should - but for the most part, agony caused by the actions of banks could be avoided by many people learning to live within their means and manage their assets and debts more prudently.
  9. I hardly read this site anymore because it seems like nothing happens here anymore. Or so I thought... after a while I realized that nothing was happening in the "obtaining credit" forum which is the main one I liked reading and posting in. I guess there is action on this board but it seems to be more in the "going to court"-type forums, whatever they're called... "Is there a lawyer in the house?" etc. So yeah, I think this site (for me) had its heyday a few years ago. I guess since credit has more-or-less dried up for the consumer (or at least for the non-high-FICO-score consumer), the site has taken a turn toward "how to get out of paying." Well, if you think it's bad here, I read around on "creditboards" for a while - what a waste of time! It's full of angry and rude people who unleash profanity and worse on you if you dare point out the tone of the entire board. I just checked the link, "1139 unread posts since your last visit" and the overwhelming majority of them are in "Is there a lawyer in the house?" and a bunch from "collections" - also, there is actually a "post judgment forum"??? and I see some from "credit repair" but they have titles referring to "OC disputes" which sounds like "trying to get out of..." There's also an "arbitration" forum? Also sounds like "Trying to get out of..."
  10. This reminds me of Peter Schiff. My best friend is always talking about the collapse of the dollar; I even read somewhere that P.S. is going to issue his own proprietary currency.
  11. Do you mean like the last week, including today? Or do you think there is more pain to come? By the way, little story about ATPG: I made a nice tidy profit on it way back in January or so. Then I bought in again at the wrong time, twice. Didn't want to talk about it, it was so painful. I was asleep at the wheel and didn't wake up till it had wrecked my accounts (numbers only, no selling or margin damage or anything like that.) It happened fast, too, while I sat there saying, "Duh?" It just wasn't pretty to look at and gave me an ulcer every day is what I am saying. I sat through it and when it came back out I took my money and ran. Nothing lost in the end. So all in all, I made a tidy little gain but it was nearly a year ago. Those people who talk about ATPG online, though - they are nasty! I got every part of my body, sight unseen, slandered on those message boards along with my character and intelligence, too, of course, just for speaking up about taking my marbles and going home. And no offense since I heard of it from you, some of them (present company excluded, of course) are a little stupid, it seems. I guess I should politely say that those type of shark-infested waters (that type of "value investing") is not for me. I'm probably not skilled enough at it and don't have the stomach for it. Glad I got out with a lesson I didn't have to pay for. I learned, that's for sure!
  12. 1. Milk 2. Beer 3. 4. 5. 6. 7. 8. 9. 10. (what happens after ten items is reached? Do we get kicked out of the "ten items or less" lane?)
  13. Not sure if it was announced or when it happened, but I just noticed it. Looking good! Just wanted to make sure it was noted that someone noted it.
  14. Is that what it takes - curiosity? That's me - I spend all day and all night learning. I am addicted. I comb the internet and I pick up textbooks from yard sales (sociology, for example, is my latest interest and I was told today that I should pursue accounting) and read them in the bathtub even though I am not in college. I think I drink more coffee than that each month. Check that box, too, then. Sorry I butted in here. I am not an aspiring lawyer. The thread title caught my attention, though (see? curiosity)
  15. I posted a thread about this several months ago with a link to the company's website. Here is the thread: http://www.debt-consolidation-credit-repair-service.com/forums/showthread.php?t=300383
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