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 ba
  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 shoestri
  6. This may be of interest:
  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 act
  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 sit
  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
  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:
  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 buye
  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 PayP
  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
  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 t
  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