Hows Everyone doing? Im bored and like my whole life has been work lately and sleeping. Sleep and work and watch stuff on Tv. Im a Big Deal or No Deal fan and also am into Suze Orman lately. Suze Orman is so awesome. She has great ideas and her advice is inspiring me and giving me food for thought.
Suze Orman is on Cnbc and has good investment advice. Ultimately my goal is to retire a millionaire. I have a long time to go till retirement as I am in college and am only 22. Wouldn't mind hitting the lottery or suddenly being given a ton of money though i dont think thats gonna happen soon.
Uggghhh retirement....I have been putting a little bit of money away in my employer's retirement plan but it seems a long way off from where I want to be when I retire.
Deal or No deal is fun. I love it!! HAHA! Anyone else a Deal or No Deal lover? They have a game out now.. can you believe that? Saw that when Christmas shopping! My man wanted the game and cried, but tried telling him it prob won't be as good as any TV program of it or what not, so we didn't buy. He sitlls wants it though, but nothing convinced me yet. Anyone got the game? If so, how much is it at Walmart and was it worth the spend? :)
I signed up for online statements and I know I never received them because I always leave them as unread until I pay them and I know they didn't get stuck in junk because I clean junk out once a day and there is usually only 1 or 2 e-mails in there.
Oh shit.. thats horrible. Bank of America told my dad they don't have to send a bill? What is up with that? And then they charge him all these big fees? I think that's messed up.
If they give me any hassle over e-mail, I'll just call and complain and I'm sure somebody there will take the fees off. I'm good at getting my way when I think something is a company's fault. If it was my fault and I forgot to pay my bill, I wouldn't mind paying the late fee, but not to send a statement is ridiculous.
I work at a preschool afterschool. The kids are awesome. we have some pretty young ones there. Hopefully someday after i have another couple years of courses I can get a job at a public school where there is better pay. Also wouldnt mind opening my own preschool. Anyone wanna open a preschool up with me. LOL
Capitol One has screwed me over big time. They gave me a little bit of money on a card and now, they're trying to say 500 after late fees. After making a few payments and feeling like my money was wasted (I sent cash and a big stupid regret of mine) and never heard anything , but letters saying late fees. Frustrating!
I had a shell card once and I had like $30 in rewards because I used it when we moved for the u-haul & 2 cars and then when we got to salt lake I couldn't find a shell to use my rewards at (the program was that you got your rewards the next time you filled up at a shell). I e-mailed them and they told me there was nothing they could do. So I called and the customer service guy was a jerk and pretty much told me I was screwed out of $30 in rewards, so I talked to his manager and he said the same thing. I told him to have his manager call me back at a specified time and he called while I was at work. So I called back and talked to another manager and she transferred my rewards to a new card. She was really nice. I think it depends who you talk to. I'd tell your dad to keep calling and complaining until someone helps him.
Melissa, my dad is about to give up and file bankrupt... He is frustrated with his credit card companies giving him a hard time and falling behind on things.
I always thought about opening a school, Ben, but never had the gut to. I was afraid parents would criticise every mistake I make and use it against me, so never did my goal to open a school for special children.
Tell your dad he can dispute anything they are putting on his credit report as well. If they do not reply in so many days (I think it's 45) they have to take it off.
Well, I figured cash is like a money order and sometimes you can get screwed even sending a check or money order, so I was fed up with calls and send some cash.
ultimately credit cards ur dad wouldnt need to file for bankruptcy i dont think If he stops paying them while it will ding his credit ultimately they will drop what he owes
Melissa, when they do not send a bill, it frustrates me more because it makes me feel like they're once again not doing their job properly and trying to scam people out of money and say , "well, you owe this muhc" and then when u send money, they send a bill saying a diff amount and then u already paid, they got your money and chances of getting any money you went over in return is slim.
Michelle - I've received refunds from credit card companies for overpayment before, you just need to have documentation, like I said before. They can be reasonable if you talk to the right people. Sometimes it takes awhile to find the right person, but when you do they take care of you.
Ben - that's only the housing market. The housing market hasn't really affected much of the rest of the economy according to the experts.
as for Indian and China, most people that have called me from Capitol One are Indians. What foreigners call from Bank of America and other cards? I thought they didn't have foreigners. Dad told me he talked to a white man, who knows though? My dad could maybe not know the difference, half the time, I can tell a very deep accent, even if they sound like they speak good English doesn't mean they understand you.. Half the time they cannot comprehend what you're asking them... ::Sighs::
I also think that even if the housing market is a bust right now, 10 years down the road, prices have to increase because the Democrats raising minimum wage as high as they did is going to cause some massive inflation in the next few years.
Ultimately everything is tied together. Its way harder to get a loan. Car loan or home loan and its been affecting auto makers too. People when they have less spend less and also the dollar is weak lately. Alot of inflation. and one of my coworkers keeps telling me she shoulda stayed in china cause in china the economy is way better
I agree with the interest raising! Damn.. drives me nuts! Does credit cards and hospital credit eliminate you from getting an apartment? What kind of credit do they look for when getting an apartment? I hear its ALL kinds of credit and it frustrates me with a baby on the way, how we will get a place of our own.
I also heard Section8 housing in our county now does a credit check and if you don't have good credit - you do not qualify. Is it getting more and more harder these days or what? I'm so frustrated with the system of life.
I have a condo I rent out. It's always gone up. More the year before last then this year but still it went up by about 8k. It has to be cyclical or buyers could never buy and sellers could never sell. It works out better that way.
Michelle - apartments do look at all credit, but if you have rented before you could probably get a letter from your previous landlord saying you always paid rent on time and were a good tenant and that should count too.
ya... Tiffany.. LOL.. Everyone was at Carla's chat and well, I created one before her, but everyone went to hers, but that's ok.. Kinda made me jealous, but I know I gotta share Gather and not be a hog! LOL.. I've never did a chat, this is my 1st one and its kinda fun! You guys rock! :)
Michelle its harder to get loans cause the whole mortgage mess is cause of people lieing about there incomes and buying homes and things they couldnt afford
I use my little small town bank. Granted when I get paid I have to go 40 miles to find a bank that will cash my check but I travel between my apartment and home a lot anyways. I've got a mac card I never use that doubles as a credit card, I also never use.
I regularily check the values for properties in the area that are for sale & have sold and so far my Las Cruces property has appreciated $40,000 the past 3 years (and is still rising) & our recent purchase has gone up about $5,000 in the 6 months we have owned it
I kept thinking Michelle K was close to my due date, but I confused her with you, Tiffany! HAHA... sorry you two! I knew I had pregnant women on my list, but I couldn't remember which was which . ... :SIghs:: ..
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They say it is supposed to hit 60 here in a day or two.... YIPPEE
I thought it did too Michelle C.
If they give me any hassle over e-mail, I'll just call and complain and I'm sure somebody there will take the fees off. I'm good at getting my way when I think something is a company's fault. If it was my fault and I forgot to pay my bill, I wouldn't mind paying the late fee, but not to send a statement is ridiculous.
He should keep trying. And ask for managers whenever possible.
If he stops paying them while it will ding his credit ultimately they will drop what he owes
Ben - that's only the housing market. The housing market hasn't really affected much of the rest of the economy according to the experts.
I also heard Section8 housing in our county now does a credit check and if you don't have good credit - you do not qualify. Is it getting more and more harder these days or what? I'm so frustrated with the system of life.
I regularily check the values for properties in the area that are for sale & have sold and so far my Las Cruces property has appreciated $40,000 the past 3 years (and is still rising) & our recent purchase has gone up about $5,000 in the 6 months we have owned it