Plan on paying off my cards too sm
Posted By: mlstoo on 2009-03-05
In Reply to: It figures! I just found out they're going to raise my - Mastercard interest rates from 9% to -sm
as soon as I get my settlement. Plan to tell them that I refuse to bankroll their bonuses, parties and whatnot anymore and they can put their credit you know where. I didn't get a bailout--all I got was higher interest rates.
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"Food stamps" now are paid on EBT cards - federal EBT cards which look the
have the option to have their pay on an EBT card as well.
She may well have been using her family's federal EBT card and working for the government for a living.
Or, if she is a foster parent, those children will receive state benefits and she could use an EBT card for food assistance.
Everything is not always what it appears to be. I'm sure you're a nice person, right?! See?! We wouldn't know any better if we believed the appearance you have given here! :)
She's paying for it
You can be sure she is paying for the extra attention. Also, the hospital likely insisted that all that security be provided, not because they are necessarly worried about Britney but about people trying to get near her. The last thing they want is for her to get harmed while she's in their institution.
Usually if there is a VIP patient, they don't keep the chart all in one place - they parse it out in 3 or more different locations under lock and key.
Britney has always gotten that kind of treatment - when she was in Mousekeeters, everyone had to leave the gym where she worked out when she came for her exercise. Britney is a little snot, always has been even as a young teenager - turns on the sweetness for the cameras. Millions of people have bought her act.
However, I do feel for her in her present situation and hope she can turn her life around now.
Me again, tell you what I did about paying a bill for a dog
like I said above, huge animal lover. I have 3 furkids but a friend of mine whose son is a druggie, was not seeing about his dog. The dog needed an operation for a growth on his foot. I paid over $1000.00 for that and now I buy my newly adopted doggie its medicine each month. I never give my friend money because want the money to go for the doggie, not drugs for her kid but you can believe I am seeing the doggie is comfy!
Okay, I don't mind paying
to make sure everything is in order! Thanks for all the advice!
...paying for it himself out of his PT job earnings. nm
s
paying for college
I have two sons in college right now ...one out-of-state, one in a private university. They both end up getting paid to go to school because they have so many scholorships. Did the high school counselor help me find any....NO. We are in a small town and I got no help from the school or town. Neither one of my sons played any sports...but I will tell you what I found out...what is more important is that your child is involved in school and the community. They don't care if they have ever worked a day in their life...they want to know what they have done in school grade wise, and community wise. Even just ringing the bells for the Salvation Army at Chrismtas time will earn you a scholorship. I filled out over 56 scholorships for both my sons to go to school for free...you just have to learn as you go how to word answers on the scholorships. We are not poor but we are not rich...but we made to much money to get any FAFSA help.
paying off bills
In our case, we refinanced through someone in our church who had a refinance company. It included all our credit cards and no, we did not have to cut them up. We still have them and DO NOT EVER USE THEM. It also included paying off our cars. The reason we had so much debt is because I wasn't able to get enough work at that time, now it is great and I can only say we pray and God has blessed us above measure, more than we deserve.
paying off bills
BTW we also pay an extra $100 each month on our mortgage. Years ago someone told us to do that and were never able to until now. Yes, I work hard, but we are doing great and even eat out once or twice a wk and sometimes more. This friend in our church also agreed paying the extra $100 a month. I have heard other fincance people on the Christian radio station saying the same thing, so it does make sense. You pay the extra amount on the principal only.
paying bills
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Same here paying bills - NM
NM
I am not against paying for your child's
but I have no intention of doing that for my own children. There are so many kids out there who have everything handed to them. I believe it will teach my children the value of a dollar and the value of their education if they pay for it themselves or with scholarships and hard work. I do encourage them to keep their grades up and will encourage them to apply for scholarships, grants, etc. I think either parent should have to foot the bill for college. If they want to, great; if not, I don't believe the court system should get involved.
Wow if you & hubs are paying that much
in taxes and didn't qualify for stimulus check (because you make too much?), ya'll must be rakin' it in!! Don't think you deserve much sympathy either, right? I know you we're asking for it, but seems a little harsh to kick someone when they're down...
Paying down debt
It is getting harder to make ends meet because of all the straws in our bank account. I have 17k in CC dept alone. It is with 4 different CC companies. One CC has $200, #2 has about 4K, #3 has about 2K, #4 has 10k. The 10K one has a 15 % APR, the others I believe range from 24% to 29% APR. My biggest monthly payment is my house and I owe only $4700 on it and it has 6.3% APR. I sold some things and am getting $5K and that will be enough to pay off my house. I would love to finally, officialy own this house and get rid of that $350 monthly pmt, but I wonder if I should not pay down on the CC because of the high interest rates. Any opinions. TIA.
Paying Down Debt
I feel you, believe me. First, Bravo to you for facing this. That's the hardest part. I think if you are so close to paying off your house, you wouldn't want to take out yet another loan against it. Additionally, the interest rates aren't that great. What is the total of payments you are making on your credit cards? If you can slap that 5000.00 on your debt first on all of the higher interest ones perhaps paying some of them off. That will free up extra money to put on the rest of your credit cards. Then once the credit cards are paid off, you can then work on the mortgage (I WISH I had your mortgage..). Also we work in an industry where it is easy to pick up extra work---have you thought of that just to get extra money to pay off the debt? That's what I'm trying to do. Things are just so bad right now. Good luck, hope this helps...
Forgot to add - what about them paying
for their part of the cell phone bill as well as insurance on their vehicle?
You are not paying for a thing that does not benefit you, obviously.
x
Remember you are paying him big bucks
My nephew is a mortgage broker and they make good money -- put in a lot of time but that 1 to 3% loan initiation fee can be quite steep. It is not like they are doing a favor for you so speak up. Go above his head ask to talk with a supervisor, anything. Be nice about it but remember you are paying him a lot of money and so he is working for you and so speak up. You don't have to be nasty but tell him your concerns and ask that you speak to his supervisor. Good luck.
Curious as to who is paying for the wedding?
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You are kidding about paying $2 more an hour??
I find most Americans, regardless of their race, creed, religion, etc., etc. wanting to work. I have never had to worry if I hire the Mexicans here in town to work, show them what and your job is done. I have a lady who cleans (black) and I usually have to make a list and even then she wants to sit down most of the time. Have used all but found get my work done with south of the border folks.
I'm paying for all those wives and kids...
They only claim one wife as a legal wife, so the others they marry are married in the church but not on paper, so they think they are getting by with polygamy. So what happens to all those wives with children? They go to the welfare office, since they are single moms ( no marriage certificate), they are eligible for Medicaid, my taxes to pay for their children, food stamps, on and on. That is fraud and they should be ashamed of themselves, since they know exactly what they are doing... where is their religion in all this? This is scheming.....they call it "bleeding the beast", meaning the government. Of course, they do not care that it is the taxpayer's dollar, because they consider themselves better than the "outside world", since they believe they are the chosen people anyway.
Oops, should have been paying off a debt
/
insurance not paying for meds
Insurance said I had to be on Medicare before they would pay for Celebrex even with rheumatologist asking for exemption.
And who said anything about them paying for their father's expenses?
Not me, for sure because I have more sense than that. I have told my husband we have separate accounts and he is not responsible for me if I were to die first. He does not have to pay my credit card accts, etc. because those were made before we even met. Lastly, let me just say this, if the father of those children WAS competent, he could then take his own father (the g'father) to court and he most probably would get THEIR share because he is NEXT of kin, not them. I do not think you have a leg to stand on in this matter. I have enough knowledge to know who comes first, etc. My father died owning about 1,000+ for a doctor's bill. I was next of kin, did I have to pay, NO. Where you got that sentence she and her brother??? guess you just pulled out of thin air.
See my post above about paying off the credit
Sure, banks need to make a profit just like everyone else. But businesses throughout the whole country have become so money-hungry that they continue to cheat their customers more and more, in the name of making more and more money for themselves. MTSO's cheat us in order to make more profit. Insurance companies cheat us by making us pay more and more, and in turn denying more and more of our healthcare costs. Food companies cheat us by not only charing more for their products, but also by putting less and less in the box or the wrapper. (Cereal: Used to be about 3/4 full, now it's more like 1/2 full. Granola bars: Remember when 1 granola bar was an actual snack? Or even breakfast? Now the wrapper is the same size, but the bar is a mere shadow of its former self.) The banks cheat us by raising the rates or charging for services that used to be free. Mine recently starting nicking my checking account for $35 as 'overdraft protection' when my account became low. Now get this: I never bounced a check. I never wrote checks for more than was in my account. There was always at LEAST $25 in my checking account. But they would decide it was too low, nick me for the $35, and then surprize! My account is then MINUS $10! So what do they do? They charge me again!
I'm considering doing away with the bank entirely, including checking, and only using a pre-paid debit card. Now if there were just a way for our MT paychecks to electronically go into a bank-free debit card, instead of into the bank, then VOILA! Bye-bye, bankie.
quit paying and see if he says something..then you'll know..nm
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Elf yourself e-cards (sm)
 http://www.elfyourself.com/
This is from OfficeMax - free e-cards that you put your picture and/or family/friends and they dance. It's really cute!
I know there are cards that
are made for something just like this like maybe for a step-mother but don't actucally use those exact words. I know because it was so hard for me to get my "other" mother a card for Mother's day without feeling like I would be hurting my mother, even though she would have no idea. Don't know what this lady's hobbies or favs are, but anytime someone wants to take me out for a nice dinner just makes my day. Actucally hinted to my hubby this afternoon how nice that would be tonight but he said he needs to mow. Well, actucally that is a gift as well cuz he hates to mow and the yard really needs it. LOL!
Also, some people don't like this idea very much, making a donation to a fav. charity in their name to me is a wonderful gift. That is what I have always done for my kid's teachers. I have an aunt who is a teacher, and while she is greatful cuz she really loves kids, but she has talked about some of the "junk" she has gotten. I always made it to the Children's Miracle Network just assuming since they were teachers they would want to do something for children. A couple of times my children got the most wonderful thank-you notes. I absolutely love this idea.
yes, I actually have one of the cards. I have only
used it for dental work so far, though. Payments very affordable with the option to pay off in certain amount of time with no interest. 
I always appreciate cards, too.
I try not to hold grudges about them, but it's hard to send one to someone who can't be bothered to send to you, so I know exactly how you feel. I think its extra tough when it's family, even if it is the in-laws. And I absolutely agree with the poster who said that cards are so inadequate in some occasions, but they are better than not sending one at all and I always add a personal message.
not paying insurance for teens-I feel bad for you.SM..
Kids don't make enough today to do it all - including teen car insurance - and some parents LIKE TO HELP...again, to each his/her own. My children have been working full time for 10 years and I'm still wanting to help them with that car insurance because it's exhorbitant for young people even in their 20s....until 25 actually where I live -
oh well, one thing is we can all AGREE TO DISAGREE - LOL
I've been paying a lump sum for my taxes
and was starting to get scared that I'm doing it wrong. Actually, my husband was doing the taxes, and this year we're separated. I've just been an IC two years and an MT for a little over three. So is it okay to send it all in April? This will be my first year to write off an office space and such. So many other things were going on before that I had no time to really think this all through. Numbers and taxes and math are not my thing! 
I agree! My BP & I have walked out of restaurants without paying (sm)
if the mgr. wouldn't ask the people with a screaming baby or out-of-control toddlers (running around & actually eating off of other people's plates! Gaaack!)to do something about it. At movie theaters, if people bring screamers in with them, we go out to the mgr. and ask for our money back. My mom raised 6 kids and went to church with all of them every Sunday. If anyone (including the infant-du-jour) made any noise, they were removed immediately. Older kids had to sit in the car (with H*-to-pay when we returned home!), and babies/toddlers sat with her outside 'til such time that they calmed down again. And weddings? Forget it! She never subjected any of her friends' weddings to small children or babies. And we were trained, at at APPROPRIATE age and ONE AT A TIME, how to behave in restaurants. We had to use our "indoor voices", keep our napkin in our lap & our elbows off the table, and eat with the correct forks, etc. And in fancy restaurants, we were trained beforehand that we were NOT allowed to even ASK for a hamburger. That alone prevents many restaurant-meltdown scenes!
Good, does that mean I can stop paying taxes? - nm
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Hey, I'll join you if you're paying ;-)
And I was just stressing over paying $500 for rental car (I'm driving), hotel, and baseball tickets for a rinky-dink 3-day trip 250 miles down the road. Still have to spring for gas money and food, but I'm feeling a little better after reading your post LOL. Of course, I'm not going to Las Vegas...
Well, have fun anyhow!! :-)
They may be citizens and are paying taxes like the rest of us.
What difference does it make?
When did parents stop paying attention?
I'm nearly done raising my kids, and they're good kids. In addition, I've been a boy scout leader for 12 years, so often I'm around a lot of really good kids who have parents who care. Tonight I was helping out a cub scout meeting with a bunch of bright-eyed, energetic cubs. Two of our older boys, 12-year-olds from the boy scout troop were also helping out. At one point, the kids all went outside with the den leader and another parent to do an activity. This was around 7:30 p.m. and it was dark outside. One of the boy scouts came back inside to get me. He wanted to let me know that they had to move the cubbies away from some "bigger" kids outside. Turns out, there were some 9th graders hanging out at the back of the school building where we meet. They were sitting near the playground, smoking and filling an empty 2-liter soda bottle with smoke, making smoke rings. They weren't particularly noisy, but their language was atrocious. Obviously, we didn't want that example near the little ones.
So I walked over and said to them in a calm voice, "Hey folks, I'm bringing some 2nd graders around here, and I'd like for you to move off the property." They just looked at me with an "I-hate-the-world" look, rolled their eyes and said, "Yeah, sure." Of course, there was no movement. I say, "I've asked you nicely once. You move now. You don't get another warning." One of our scout dads started heading over at that point. He's a big man about 300 pounds. These kids, two boys and a girl, started spewing language you wouldn't want a longshoreman to hear. I'm no prude, and I've done less than bright things as a teenager, and I've paid my dues working with some troubled kids. I wasn't shocked by the language, though, I didn't like it at all.
I did, at one point, say to them, "Look, can you do this at home?" The girl's reply was, "Yeah, my parents aren't old."
That one actually made me laugh. I said to her, "Well, if it's ok to do this at home, then that's a good place to be. You can't be here." She started screeching about how adults just don't show respect to her, and I laughed and said, "I'm sorry you feel that way, really sorry. Because that means you don't understand that you are being treated just the way you are asking me to treat you. In fact, I'm being way more patient than I need to be." I know she didn't understand. Nothing was out of bounds with these kids. The other adult with me made a remark to them about how little he thought of their parents because of their behavior. One overly-brave kid said that his parents were fantastic and let him do whatever he wanted. Yeah. That was pretty obvious. He told us we shouldn't be disrespecting his parents. I told him that I would never want to do that. Would he, therefore, please go home, tell his parents what happened and send them back down to me. I'd be there for the next 30 minutes. No one showed of, of course.
What gets me isn't so much the smoking, the lack of concern about the example they set for the little children nearby, or the language. Certainly, all of that was awful. But the big problem was the complete lack of respect they have for anyone else, especially adults. And as they behaved like obnoxious brats, they preached about how they should be treated with respect! I hear this over and over form kids. If I can get them to actually have a decent dialogue, I usually ask the kids to define respect. They generally give me a correct definition, but that's not what they are asking for. What they really mean when they say that adults don't respect them is, "You won't let me do what I want to do."
So when did parents stop teaching kids these basic rules of conduct, and when did parents forget to really teach children about respect for others and respect for themselves? I'd be absolutely sure the world was going to Hades in a handbasket if it weren't for the really wonderful kids I work with each week. "My" boy scouts are great kids!
Unfortunately, the 12-year-old boy scout who called my attention to the loitering kids saw most of the exchange above. But later he came to me and said, "You know what? Now I know why you are constantly on top of us about our language and our behavior at scouts."
"Really? Why's that?"
"Those kids don't even realize that what they were doing was so awful. They think they have a right to argue and yell and curse. They do it all the time at school, so they think it's o.k. If you were to let us do that all the time, we'd think it was o.k., too."
Now there's a kid who will go far! And it was one of my payoff moments in scouts!
Apparently paying my Iowa taxes
Man, they've gone up. Dang it all to heck.
Otherwise, I'll be using the difference by knocking out my small bills in anticipation of paying off our zillions of dollars worth of student loans in about 800 years.
paying bills/wedding expense
My daughter is also getting married in March, if they don't change the date again. And buying me some software/books for work...
How about all you folks having tons of kids? I'm paying for them and your
C-sections and OB costs, as well as all your little offspring's school costs.
Wow, apparently you have not heard of paying it forward. nm
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My son's insurance stopped paying for Zyrtec
changed recently. I guess it's nice for people that don't have insurance but when a med goes OTC you can't exactly use it as a medical expense on your taxes anymore
Refinancing, nope. We have been paying loads on
the principal and started out with over $220,000 in 2004 and already under 97,000. If we refinanced might get a shyster deal, know who we are with, trust them and do not want any additional burden such as the refinancing charge to apply.
You really have to stay on top of the cards
I do a lot of card flipping with balance transfers but also calling and trying to negotiate new deals. I just switched one with a balance transfer at 3.9 for the life of balance and then talked them down to a purchase rate of 8.9 (it had been up in the high teens). I also talked a card I've had a while into a 2.9 for the life of a balance transfer instead of the 12 month offer they were having because there was a delay in the electronic transfer to the other company causing me a bit of inconvenience. That transfer was actually for a loan I had at a pretty high interest rate, so some loans can be put on cards too which I never knew. I find websites that list ALL the latest offers for all or most card companies and I'm always checking. Sometimes I call my cards and tell them I am thinking about switching unless they can give me a similar/better rate or deal. Often they will so as not to lose the business. I have saved a ton of money doing this - it is sort of like consolidating on your own. I can post the site if anyone is interested, don't have it handy right now. Oh..I also have automatic electronic payment setup to pay a certain amount each month from my checking so the payment is NEVER late. You are so right about that, that's where they get you! I just thought maybe some of this info may help someone, I hope so. My credit is very good now but had been a mess in the past.
NO more credit cards
I had a credit card with a high balance. I got a second mortage to pay it off. I called the credit card and got the payoff balance and my bank sent a check to them. I kept watching on line to make sure they got it and when they did I noticed that there was a $95 credit. So, I called and said how do I get my money back. They sent me a check and when I got it, I called and closed the account. This was about two weeks ago. Today I get a statement from them with a balance due of $45! Huh??? I called and they keep telling me it is a finance charge. I got pretty steamed and finally ended up saying that I would pay it, but no more. Well, I wrote out the check and put in in the mailbox, but I'm still stewing about this. If I still owed them money, why did they send me a credit?? What is the finance charge on if I had a credit balance? I suppose I will just pay it because they will only keep tacking on even more charges, but it is really bugging me. Has anyone else had any experience with this??
I will say one thing - NO MORE CREDIT CARDS EVER EVER EVER. REALLY. I mean it this time.
How about addressing your own thank you cards!
My husband's side of the family seems to think that it's a wonderful idea to have shower guests address their own thank you cards as they arrive to the party! Well, geeeze! Why not go all the way and write your own thank you note, too! They put the little envelopes in a pretty little basket and pass it around. I don't care how they try to pretty it up, it's still tacky! I refuse to address my own thank you card, and you guessed it! I never receive thank you notes from DH's side of the family!
I hosted a wedding shower for my husband's sister, and my MIL came over with the little basket. We had such a fight, because I refused to do that at one of my parties. ugh!
telephone cards sm
It was on our morning local news that a local mom started collecting phone cards donated by various people for her son and his buddies in Iraq. She said the response has been overwhelming and her son and his buddies couldn't be happier because they love the fact that they can actually talk to someone at home rather than E-mail and snail mail. One woman wrote her a note along with her card, stating that she got to talk to her son every day as he was home, so it made her feel so good to be able to help someone else's son call home. Guess it's all up to them if they want to call, they have to pay, don't know how much it costs to call from there?? Imagine it is not cheap.
I think its credit cards...
The newspaper had an article the day after Christmas how people are defaulting on their credit cards all over the place. This added to the mortgage companies having problems with people unable to pay their balloon payments and the bad housing market, price of gas is sure to lead (the article said) to a recession.
When I was shopping I saw all the people with tons of things in their carts, DVD players, computers, etc. on Christmas eve. This was regular people at Walmart. I saw a lot of credit cards flashed around. Paying minimum payment will cause Christmas to cost tons more and they will be paying beyond the item's life which they purchased.
We went through this. We tried to sell our house, rented to own another and went broke in 3 months. After we had 2 house, fell back on credit cards the interest piled up and it was terrible! We moved back and are on a budget. So, I shopped without credit this year, and you know what? I had more fun. And I have 3 kids. Their things were simpler than the fancy things they got last year. The most expensive things we got were bikes because they are growing and we got those on sale. The rest were creative items. I am not saying that what we did is so great. What I am saying is that peeople are not looking at the big picture these days and if they do not use cash (as we had not in the past), they may not be able to pay their debt if hard times fall. In the meantime, grandpa sent my son 100 bucks, which I let him spend on a train set (I should not have let him do that he is 7) and he cried that his money was all gone and he did not want the train set anymore. I bet if I had him save some of it and had him buy simpler things, well I bet he would not have been crying. At least at age 7 he is learning that money is not easy to come by. And he is learning the hard way because I will not give him more money to replace what he spent. Sorry such a long message. It is just that we did not even afford an XBox, and I wanted a Wii myself, but we avoided all of that because in the end we learned that Christmas is not about credit cards, the junk it buys. I think the end of the cartoon the Grinch where the Who people did not even care about the presents was correct. Maybe we'd be happy with less things and more love. I don't know. This was not meant to be a sermon forgive me. We all have to learn what Christmas means to us and I say let people do what they want, consequences are always result of actions anyway. Just IMO. Happy New Year everyone!
A deck of UNO cards
Can you give hints? g o m d t . c o m
Don't use your debit cards
I had a problem with fraud on my account through them. Surely they have fixed it by now, as this was last year and the year before (yes 2 separate occurrences, both at xmas time). So I would not suggest using any cards there but cash only.
I do agree that it seems to be a great idea for teens. Their prices are great and our location has always been helpful with advise, returns, etc.
Another good idea I have found for teenagers is a gift card for restaurants or gas stations. It helps their parents a bit and if they have a girlfriend/boyfriend places like AppleBees or Red Lobster are nice so that they can go on a nice date and not have to worry about $30 for the bill. Even with a part-time job that's a lot of money for a teenager! :) My nephew actually requests it.
gift cards
Gift cards are hard to redeem, especially if they have to spend a long time trying to find something they like at the store for 5, 10 or 15 which they usually cannot and end up spending my money to cover the overage.
I think cash is much better!
Gift cards!!!!!!
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