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Chester P. Dexter

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Everything posted by Chester P. Dexter

  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
  16. Is anyone wondering what the answer was? I called and pushed the numbers for this choice and that choice and finally spoke to a person who put me on hold to go find the answer. You may pay SIX times online per billing cycle. Has anyone been burned by that? I paid Merrick (I think it was Merrick) twice online and then had the final amount to pay the bill and was told (foghorn sound here) "too bad" - that I could pay by mail or phone, but no more than twice online per billing cycle. I paid that sucker off, anyway (Paypal.) It's an OK use-and-pay card. Never carry a balance with a paypal buyer credit card.
  17. uh... I hate you...? JUST KIDDING! Good going. Congratulations and I hope you build that up to a 100K credit line!
  18. I absolutely loathe the cheerful "virtual assistants" (read: labor-savers for the credit card companies, and I was disappointed to see that TD Ameritrade brokerage is using them now, too) so I avoid them. But this time, I had a very simple question and didn't want to waste time on hold to get a person on the phone. So I tried it. Big fail. Sarah - PayPal : Hi. I'm Sarah, PayPal’s automated customer support assistant. How can I help you today? You : Can I make more than one payment online per billing cycle to my Paypal buyer credit account? Sarah - PayPal : You can send money from your PayPal balance or directly from your bank account, debit card, or credit card. If you don't have a PayPal account, you can easily sign up. You can send money to anyone who has an email address, even if they don't have a PayPal account or are in another country. Here's how to send money: 1. Log in to your PayPal account. 2. Click Send Money at the top of the page. 3. Enter who you want to pay and how much, then click Continue.. 4. Review the details and click Send Money. Before we continue, was the information I gave you helpful? -Yes, this was helpful -No, this was not helpful You : No, this was not helpful Sarah - PayPal : How can I help you? You : Can I make more than one payment online to my Paypal buyer credit account? Sarah - PayPal : I might have answered your question already. Click here to see*the answer*again. You : No, you didn't. Can I make more than one payment online per biling cycle to my Paypal buyer credit account? Sarah - PayPal : You can send money from your PayPal balance or directly from your bank account, debit card, or credit card. If you don't have a PayPal account, you can easily sign up. You can send money to anyone who has an email address, even if they don't have a PayPal account or are in another country. Here's how to send money: 1. Log in to your PayPal account. 2. Click Send Money at the top of the page. 3. Enter who you want to pay and how much, then click Continue.. 4. Review the details and click Send Money. I'm right here if you have any other questions. You : You did not answer my question. Sarah - PayPal : I'm sorry I haven't been able to help you. I'm a virtual agent, so I can't answer everything. If you'll rephrase your question, I'll do my best to try to help you. You : Paypal buyer credit account online payment times per month Sarah - PayPal : How making a payment works depends on whether you already have an account. Do you have a PayPal Account? -Yes -No You : Yes Sarah - PayPal : Are you trying to send a payment for an eBay item? -Yes -No You : No Sarah - PayPal : Here's how to send money or make a payment: 1. Log in to your PayPal account, using this link. 2. Fill in the form to send the money. 3. When you send the money, the recipient will receive an email telling them how to retrieve the money. Since you have an account, you can choose from several payment methods as you pay. Would you like to know more about that? -Yes -No You : No Sarah - PayPal : Okay. Let me know if there is anything else I can do for you.
  19. AARP is known for bothering people as young as 20. I mean, 20 years ago I saw them doing this, to a 20-year-old. They seem to be age-blind and just send stuff to everyone.
  20. Also, I bet before the screed-writer badmouthed the waitress (or manager, or whoever he trashed by the very end of his missive), he was all too happy to stare her in the sternum while ordering his chicken wings.
  21. Isn't that pretty much the best and most ridiculous rant you've ever read? They wouldn't print my post on that "other board" (they have me on moderation because they think I'm not nice, or something. I guess they thought I was making fun of one of theirs.)
  22. LOL... ROFL http://www.complaintsboard.com/complaints/hooters-of-fargo-nd-c248246.html
  23. I really just can't stand the whining about college education and its costs. How about if college were only available for those who could pay for it up front? OK, then... how about taking part in the generous financial aid offered by the government (pell grants and university grants, scholarships) What? Too much income to qualify for aid? Not smart enough to get a scholarship? How about re-prioritizing lifestyle and spending, then, to pay for a college education? If barely able to get into college (let alone qualify for scholarships), how about maybe circumventing college and learning a trade or operating a business? Government loan rates are not reasonable enough? Rather, the private loans taken out after gov't loans are exhausted (because a particularly expensive institution of higher learning has been selected) are too expensive? Getting into too much debt? How about choosing a reasonably-priced institution, then? Expecting a guaranteed career paying a certain amount after graduation? I wasn't aware that education is now a contract promising specific employment. Many times we hear about graduates who "simply cannot find a job" yet do these articles ever explore whether the whiner in question might be un-hireable due to being creepy or some other personal reason that eclipses all the degrees possible that a person could earn? Well, there's my grumpy take on it. I sense a lot of "entitlement attitude" going around these days and that infographic just embodies it. Pointing the finger at everyone as if a college education and the lucrative dream career supposedly the culmination of it is every person's birthright, regardless of ability, work ethic, financial management habits, etc. *I don't see what's so wrong about the practice of garnishing a paycheck till the loan is paid off. If you have a paycheck from which they are legally able to garnish, you must be doing all right! To cut costs and live within the constraints of the remainder of that paycheck, go move in with Mom or something! You borrow, you pay. ** That hippie in the picture needs to get rid of the grampaw glasses and shave that neanderthal-man beard off. No one is going to hire him like that!
  24. What do you think about ATPG today, jq? Can you interpret for me the large price drop and the earnings statement? What direction do you think the stock price is headed in, short-term? (next few days)
  25. OK, back with one last try and an apology (fresh cup of coffee/potion in hand) What kind of "college" or school was this? A trade school? A for-profit "college"? I don't think I'll be really helpful here - and I don't want to fill a post with "could shoulda woulda" because that doesn't help now - and there was a time when I didn't know as much as I know now, and as for your son - we were ALL young once - but... A financial contract (like enrolling in school) should never be entered into without understanding all the terms like: What is the tuition and other related charges? For what time period? What sources are paying this bill? And then following up to verify that grants/loans have paid the bill, and then verifying that any loans one is responsible for are being followed up with. What I tried to say in my first post is that all of this documentation SHOULD be available to you (or to your son - they might not let you view these, or at least without his written permission which should be easy enough to obtain) for the asking. If none of these entities (college, loan company) really have proper documentation, I guess your son would not be responsible for the charges. Again, my money is going this way: He was billed properly by everyone involved and he simply didn't understand the process and of course now no one wants to pay up. You have to get to the bottom of this to understand it and going through any sources that can provide original documentation is the way to go.
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