Jump to content

JL Sargent

Heritage Members
  • Posts

    7082
  • Joined

  • Last visited

  • Days Won

    20

Posts posted by JL Sargent

  1. All these stories....

    It just reaffirms that if you don't want to get screwed around, don't do business wih credit card companies. You can write your Congressman all you want, but they will not get in the middle of it. Noting your complaint will not spare you the misery. Not setting yourself up for misery will.

    I disagree. If you do not or cannot pay the balance each month and on time then stay away, absolutely. But with that said, there are ways to beat them at their own game (see my previous post). Know when your payment is due and get it paid on time everytime, period. I have made literally thousands off of credit cards. I have paid not one red penny in interest or fees over the last 20yrs that I can remember. You must have the decipline to pay it off each month on time. That is the key to successful CC use.

    Whats worse than a CC balance each month? WRITING Insufficient funds checks!

  2. To be honest with you Ace that CC co. did you a favor. You were already getting hosed by the original monthy interest rate. They now have forced you to pay up.

    On the equity line: Buck up and get it paid. If you cannot pay for it then and there, do not buy it.

    If you need extra money, sell some things on Ebay that you are not using or have a yard sale for big items

    What I do: Buy everything on CCs. Yes its true. The key is I pay them off in full every month. Now here is the cool part. They pay ME to use the cards.

    Shell Citicard pays 5% on all Shell gas purchases and 1% on everything else. I got $34 on this months statement to give you an idea. You can multiply that times 12 to see a potential for earning. If I need tires, I find my best price and use the card. If I pay $500 for tires, then $5 goes back to me for using it.

    Some Chase cards pay 1% on everything too.

    Do not use CCs as a way to borrow long term. Its a total ripoff! Instead, do it the old fashioned way. Save up for what you need or want first then purchase! Think of all the money you will save.

  3. I continue to study these systems and looked also at the AMD Phenom II vs the i7 chip. Guys is it me or does AMD have some serious catching up to do? It looks as though the i7 is breaking world records in benchmark and its direct to ram technology is unprecidented, yet I'm not seeing that much of a price difference. I really have no brand loyalty, just want a good bang for my buck.

  4. On comparing those two offerings.

    The Tigerdirect machine does not include a video card or an operating system at that price of $699. But I do like that mobo layout better.

    The Dell machine includes both for $50 more at their regular store. I noticed the Dell Outlet will even do you better on scratch/dent deals with the i7 processor. Last night I looked at one there with 6GB ram, 750GB HD, 64bit Vista, for $729.00. Thats looking hard to beat.

    http://outlet.us.dell.com/ARBOnlineSales/topics/global.aspx/arb/online/en/InventoryDetails?systemId=FXE0TMV8&~lt=popup&c=us&l=en&s=dfh&cs=22

  5. The i7 Intel Processor has been on the market now for 6 months or so and its my understanding that the X58 chipset is what you get with that processor. Dell has the i7 in offerings as low as $750.00. I was thinking AMD processor with a soundcard upgrade but it seems going the i7 route makes more sense, even if its overkill processor wise. My 7yr old computer has been giving me fits the last few days and I would like to buy something that could double as a good music server. Yes, I want my cake and eat it too!

  6. Trey, I have walked in similar shoes. My ex told me I was a great husband but that she wanted to be single. I realize now that we both loved her a whole lot. It was civil and I'm happily remarried. If I can offer one piece of advice, its to lean on other family members during this hard time and know that the sun will shine again.

    Though we have not met, your welcome to PM or email me. I'll be glad to chat about it over the phone. Best wishes to you.

  7. What Jeff Mathews said.[Y] I've been a S.P. for about 5yrs. Here we can work using our SS# as a S.P. Do a schedule C for that work on your taxes. Not a problem.

    Only incorporate if you really need it and I suspect you don't.

×
×
  • Create New...