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Posts By LSU6262
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Money Talk
re: thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262
[quote] If you are paying PMI quit playing games with the credit cards and pay down your mortgage to get rid of PMI. That is money out the window. [/quote] :confused: I use the 3 different cards to maximize my reward points. I never carry a balance. ...


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Money Talk
re: thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262
[quote]You going to save at least $2500 off the PMI if you refi?[/quote] Yes...


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Money Talk
re: thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262
[quote]I don't think it matters if you pay them off and stop using them or continuing to use them and pay them down to zero every month. [/quote] I pay off the statement balance every month. So, that balance is reported to my credit. I'm talking about paying it off to show 0% utilization before a...


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Money Talk
thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262
I have 3 credit cards that I rotate between for points. I pay off the balance every month so I never pay any interest. Should I pay these off in full and stop using for a couple of statement periods? Discover says my fico is 756, but I know the lenders will also look at my credit card utilization...


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Money Talk
re: PMI - LSU6262
I have a pmi question as well and figure this may be a good thread to ask it. My original mortgage is from 2012 @ 3.75% I know that the pmi rate is lower now than it has been in years. I only plan to be in my house for ~5 more years. Considering refinancing to cut my pmi for the next 5 years even...


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O-T Lounge
re: How would you gauge this relationship situation? - LSU6262
Are y'all having sex every week? For a relationship that is 5 months old you should be having sex at least 3 times a week, imo...


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O-T Lounge
re: What color is this dress? - LSU6262
When you look at it from top to bottom it's white and gold. From bottom to top it's blue and brown...


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Money Talk
USAA Insurance - LSU6262
Anyone here with them had any problems? I have my home and car with Allstate right now. Next month, I marry into a military family and will become eligible for USAA. If its cheaper to be at USAA vs Allstate, is it worth the change? I just don't won't any hassle if I have to file a claim. ...


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O-T Lounge
re: Why are there no banks open past 5 - LSU6262
So, you trust other people than yourself? The teller is operating a computer to make the deposit. Why can't you? The atm is more accurate than tellers...


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O-T Lounge
re: Why are there no banks open past 5 - LSU6262
[quote]What if I need to deposit money[/quote] ATM or through your phone. I'm in banking, and trust me, the industry is going in a moble and technology direction. Banks are going to close earlier, not later. Everything will be done electronically...


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Movie/TV Board
watched The Loft last night. - LSU6262
It was an ok thriller. I thought the male leads had good chemistry and the acting was good. The females were pretty bad though. I'd say its worth a watch. ...


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Money Talk
re: does your company still offer a pension? - LSU6262
[quote]No. It's not. If you think it's a pension plan, how much is your guaranteed monthly pension when you retire? What you have is a 'cash balance plan' where you build up a cash balance in an account via company contributions. You don't have a monthly pension benefit guaranteed from y...


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Money Talk
re: does your company still offer a pension? - LSU6262
[quote]That's not a pension plan.[/quote] Yes. It is. I also have a 401k that the company matches 5% of my pay...


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Money Talk
does your company still offer a pension? - LSU6262
Mine does. they give 3% of salary @ 4.5% return ...


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Money Talk
re: Met a personal financial milestone today! - LSU6262
wow, I'm 28 and only have 26k...


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O-T Lounge
re: Woman arrested for maiming after trying to bite boyfriend's penis off - LSU6262
shite thread title....


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Money Talk
re: 401k only or 401k / Roth mix for retirement? - LSU6262
My company offers a roth 401k. So I'm working on maxing out it...


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Money Talk
re: Help spouse pay off debt? - LSU6262
[quote]FACKED[/quote] :confused:...


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O-T Lounge
re: Anyone here play slow pitch softball - LSU6262
I've played co-ed before. There was a lot of beer involved though. I'm pretty sure I don't remember the end of the game and we didn't keep score. ...


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Money Talk
re: Help spouse pay off debt? - LSU6262
[quote]problem is your FICO will drop and hers will rise.[/quote] I'm expecting this. My FICO is 780 right now, but I don't have any plans to make any major purchases in the near future. ...


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Posts By LSU6262