| Money Talk|| re: thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262 on 3/2/15 at 4:57 pm|
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]
I use the 3 different cards to maximize my reward points. I never carry a balance.
| Money Talk|| re: thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262 on 3/2/15 at 1:53 pm|
[quote]You going to save at least $2500 off the PMI if you refi?[/quote]
| Money Talk|| re: thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262 on 3/2/15 at 12:59 pm|
[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...
| Money Talk|| thinking about refinancing. Should I pay off and stop using credit cards? - LSU6262 on 3/2/15 at 11:04 am|
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...
| Money Talk|| re: PMI - LSU6262 on 2/28/15 at 7:02 am|
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...
| O-T Lounge|| re: How would you gauge this relationship situation? - LSU6262 on 2/28/15 at 6:46 am|
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...
| O-T Lounge|| re: What color is this dress? - LSU6262 on 2/26/15 at 10:24 pm|
When you look at it from top to bottom it's white and gold. From bottom to top it's blue and brown...
| Money Talk|| USAA Insurance - LSU6262 on 2/26/15 at 10:52 am|
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. ...
| O-T Lounge|| re: Why are there no banks open past 5 - LSU6262 on 2/26/15 at 2:32 am|
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...
| O-T Lounge|| re: Why are there no banks open past 5 - LSU6262 on 2/26/15 at 2:29 am|
[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...
| Movie/TV Board|| watched The Loft last night. - LSU6262 on 2/25/15 at 4:23 pm|
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. ...
| Money Talk|| re: does your company still offer a pension? - LSU6262 on 2/24/15 at 9:19 am|
[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...
| Money Talk|| re: does your company still offer a pension? - LSU6262 on 2/24/15 at 6:58 am|
[quote]That's not a pension plan.[/quote]
Yes. It is. I also have a 401k that the company matches 5% of my pay...
| Money Talk|| does your company still offer a pension? - LSU6262 on 2/23/15 at 2:07 pm|
Mine does. they give 3% of salary @ 4.5% return ...
| Money Talk|| re: Met a personal financial milestone today! - LSU6262 on 2/23/15 at 7:51 am|
wow, I'm 28 and only have 26k...
| O-T Lounge|| re: Woman arrested for maiming after trying to bite boyfriend's penis off - LSU6262 on 2/23/15 at 7:45 am|
shite thread title....
| Money Talk|| re: 401k only or 401k / Roth mix for retirement? - LSU6262 on 2/21/15 at 3:53 am|
My company offers a roth 401k. So I'm working on maxing out it...
| Money Talk|| re: Help spouse pay off debt? - LSU6262 on 2/20/15 at 9:56 pm|
| O-T Lounge|| re: Anyone here play slow pitch softball - LSU6262 on 2/20/15 at 9:54 pm|
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. ...
| Money Talk|| re: Help spouse pay off debt? - LSU6262 on 2/20/15 at 9:27 pm|
[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. ...