On Mon, Apr 6, 2009 at 4:25 PM, Cameron Childress wrote:
>
> On Mon, Apr 6, 2009 at 5:09 PM, J.J. Merrick wrote:
>> So how do you ever live without a FICO score?! OMGuRLIFEIzOVER
>
> She just said she had no credit card debt, not that she never had a
> card. I know it seems impossible, but
On Mon, Apr 6, 2009 at 5:09 PM, J.J. Merrick wrote:
> So how do you ever live without a FICO score?! OMGuRLIFEIzOVER
She just said she had no credit card debt, not that she never had a
card. I know it seems impossible, but there are people out there who
have and use credit cards without car
aye. sad part is, that wasn't even the stupidest decision we made :\
ah, to know then what i know now...
On Mon, Apr 6, 2009 at 2:07 PM, J.J. Merrick wrote:
>
> Time Share? wow you were bad with money ;-)
>
> We are also saving up for a house... basically need 74k in cash in 3
> years. Shouldn
Dude he cracks me up when he is talking about money... "So I would go
to the bank and write a check like a moron and get cash..." :-) I am
that moron!
On Mon, Apr 6, 2009 at 12:17 PM, Ray Champagne wrote:
>
> I like that Louis CK quote about the old way of thinking, before credit
> cards - "when
Deanna you are seriously my hero...
So how do you ever live without a FICO score?! OMGuRLIFEIzOVER
;-)
On Mon, Apr 6, 2009 at 1:15 PM, Deanna Schneider
wrote:
>
> I have no credit card debt (never did), no student loans (never did),
> no car payment (have had those), and not much left on
Time Share? wow you were bad with money ;-)
We are also saving up for a house... basically need 74k in cash in 3
years. Shouldn't be too hard to do on beans and rice! :-)
On Mon, Apr 6, 2009 at 12:06 PM, Charlie Griefer
wrote:
>
> Nice. We're currently working the Dave Ramsey plan. Between
> Jerry's calling us retards! My punk rock girls will kick your ass after she
> steals your car!
You know what Stewart? You're not like the other people here in the
Trailer Park.
And jumpin' jesus on a pogo stick, Beelzebubba's Crystal Shit is
really all just Metaphysical Graffiti when you're Sm
On Mon, Apr 6, 2009 at 3:45 PM, Michael Dinowitz
wrote:
> It's not me. I'm innocent. Really. No joke.
No biggie. Gives us something to talk about around here - since
no-one every has any opinions about anything or anything. :)
-Cameron
>
> taking
> all of you to the zoo?
Jerry's calling us retards! My punk rock girls will kick your ass after she
steals your car!
>
>
> On Mon, Apr 6, 2009 at 2:07 PM, Michael Grant wrote:
>
> >
> > OMG Ray! You're a Dead Milkmen fan?
> >
> > On Mon, Apr 6, 2009 at 1:43 PM, Ray Champagne
> >
It's not me. I'm innocent. Really. No joke.
On Mon, Apr 6, 2009 at 3:42 PM, Cameron Childress wrote:
>
> On Mon, Apr 6, 2009 at 2:30 PM, Ray Champagne
> wrote:
> > Cameron's missing "n" sparked that off...
>
> Yeah, something's been chopping my name off at the end of emails. But
> only sometim
On Mon, Apr 6, 2009 at 2:30 PM, Ray Champagne wrote:
> Cameron's missing "n" sparked that off...
Yeah, something's been chopping my name off at the end of emails. But
only sometimes. My sent mailbox has the complete name, along with the
n. As does the following
-Cameron
It make me feel better knowing that people who I think are smarter
than I am have made the same mistakes.
On 4/6/09, Ray Champagne wrote:
>
> On Mon, Apr 6, 2009 at 12:36 PM, Bitchin' Camero <> wrote:
>
>>
>> On Mon, Apr 6, 2009 at 1:17 PM, Ray Champagne
>> wrote:
>> > So true. Yet they are so
He's been paying the mortgage with his credit cards since I got sick
last summer. He's trying to sell the house and pay off all the bills,
but it's hard in this market.
On Mon, Apr 6, 2009 at 10:00 AM, Ray Champagne wrote:
>
> 40K
> Wowsers. I couldn't imagine that kind of credit card de
I have no credit card debt (never did), no student loans (never did),
no car payment (have had those), and not much left on a mortgage that
I'm seriously considering paying off in full in about 7 months when a
CD for the same amount comes due.
It's good to be a cheapskate.
~~
So he doesn't really have a big lizard in his yard?
Who isn't a fan of driving a Bitchin Camero sitting next to my girl, taking
all of you to the zoo?
On Mon, Apr 6, 2009 at 2:07 PM, Michael Grant wrote:
>
> OMG Ray! You're a Dead Milkmen fan?
>
> On Mon, Apr 6, 2009 at 1:43 PM, Ray Champagne
i was at one skateboarding point in my life :)
On Mon, Apr 6, 2009 at 2:07 PM, Michael Grant wrote:
>
> OMG Ray! You're a Dead Milkmen fan?
>
> On Mon, Apr 6, 2009 at 1:43 PM, Ray Champagne wrote:
>
>>
>> On Mon, Apr 6, 2009 at 12:36 PM, Bitchin' Camero <> wrote:
>>
>> >
>> > On Mon, Apr 6, 200
I would love to appease you and say yes, but I honestly only know a couple
of songs.
Cameron's missing "n" sparked that off...
On Mon, Apr 6, 2009 at 1:07 PM, Michael Grant wrote:
>
> OMG Ray! You're a Dead Milkmen fan?
>
> On Mon, Apr 6, 2009 at 1:43 PM, Ray Champagne
> wrote:
>
> >
> > On Mo
On Mon, Apr 6, 2009 at 12:36 PM, Bitchin' Camero <> wrote:
>
> On Mon, Apr 6, 2009 at 1:17 PM, Ray Champagne
> wrote:
> > So true. Yet they are so easy to get when you are young and stupid and
> > extremely short sighted. I'm pretty sure that I financed a cheese steak
> sub
> > I ate in 1997 fo
OMG Ray! You're a Dead Milkmen fan?
On Mon, Apr 6, 2009 at 1:43 PM, Ray Champagne wrote:
>
> On Mon, Apr 6, 2009 at 12:36 PM, Bitchin' Camero <> wrote:
>
> >
> > On Mon, Apr 6, 2009 at 1:17 PM, Ray Champagne
> > wrote:
> > > So true. Yet they are so easy to get when you are young and stupid an
On Mon, Apr 6, 2009 at 1:17 PM, Ray Champagne wrote:
> So true. Yet they are so easy to get when you are young and stupid and
> extremely short sighted. I'm pretty sure that I financed a cheese steak sub
> I ate in 1997 for like 8 years.
Reminds me of a recent blog post on the "Get Rich Slowly"
I like that Louis CK quote about the old way of thinking, before credit
cards - "when you ran out of money, you just said, 'That's it, I can't do
any more things now, I don't have any money'"
So true. Yet they are so easy to get when you are young and stupid and
extremely short sighted. I'm prett
Nice. We're currently working the Dave Ramsey plan. Between credit
cards and a time share, we had about $30k in debt. We're down to $7k
(which is one last credit card that thankfully has a decent rate).
I'd be attacking that, but right now we're also trying to save up for
a house. The remaini
On Mon, Apr 6, 2009 at 1:00 PM, Ray Champagne wrote:
> 40K
> Wowsers. I couldn't imagine that kind of credit card debt.
Doesn't take long if you are living on credit cards.
-Camer
~|
Adobe® ColdFusion® 8 software 8 is t
40K
Wowsers. I couldn't imagine that kind of credit card debt.
On Mon, Apr 6, 2009 at 11:57 AM, Maureen wrote:
>
> BOA is worse than Chase. They'll raise your APR to 21% if you are 15
> minutes late paying. They count the due date from midnite of the day
> before instead of midnite of
BOA is worse than Chase. They'll raise your APR to 21% if you are 15
minutes late paying. They count the due date from midnite of the day
before instead of midnite of the actual due date also.My former
housemate transferred 40K to his BOA card at a low rate, and the next
month they raised hi
On Mon, Apr 6, 2009 at 11:32 AM, Michael Grant wrote:
>> But, I left a $1 credit on the Chase card. I hope they send me statements
>> for the next few years in regards to a $1 credit on my account.
If you really wanted to use them to your advantage, stop using the
card entirely except for one s
I'm the Financial Peace University Coordinator at our church and we
just started our class. My wife and I finally decided to get on board
and stop being stupid. We have about $20k left that is all hers prior
to getting married 4 years ago. Luckily I stayed out of the CC mess
after I cut up my firs
>
> But, I left a $1 credit on the Chase card. I hope they send me statements
> for the
> next few years in regards to a $1 credit on my account.
Why do this at all? You really think you are hurting Chase? Nu-uh. You are
hurting every other Chase customer. Don't think for one second that cost i
That's where I'm headed. although not right away
I don't have a whole lot of credit card debt right now... but I have a
consolidation of bad debt that eats up too much of my income.
Can't wait for it to be paid.
;-)
Yves Arsenault
"Love is the only force capable of transforming an enem
On Mon, Apr 6, 2009 at 10:23 AM, J.J. Merrick <> wrote:
>
> I know the best way to avoid paying any APR?
>
> DON'T BORROW MONEY
I just finally paid off, in full, all of my credit card debt (most of which
I accumulated in college). I can't believe the satisfaction that brought
me. I now ha
I know the best way to avoid paying any APR?
DON'T BORROW MONEY
:-)
-J.J.
On Mon, Apr 6, 2009 at 8:35 AM, Jacob wrote:
>
> Avoid these criminals! Complete violation of TILA!
>
>
>
> I get a change in terms back in Jan 2009 for 10.24%, up from 8.74%, with the
> billing date of March 6th
Avoid these criminals! Complete violation of TILA!
I get a change in terms back in Jan 2009 for 10.24%, up from 8.74%, with the
billing date of March 6th.
March 6th rolls around and my APR is 17.99%.
When I called, they state that the change in terms in received in Jan 2009
was a mista
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