View Poll Results: Do you prefer us lobbing Potatoes or Grenades to take care of spammers?
Lob potatoes to just stun them
2
18.18%
Lob grenades and remove them from the TMS pool permanently
9
81.82%
Voters: 11. You may not vote on this poll
Mustangs Coast to Coast
7/13/13, 10:44 PM
Join Date: December 5, 2006
Location: Trapped in Minnesota
Posts: 31,619
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7/13/13, 11:17 PM
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7/13/13, 11:18 PM
Legacy TMS Member
7/13/13, 11:26 PM
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7/13/13, 11:38 PM
Excellent! 
Average across America is only high 600's. I hope the guy included some rock bottom rates for that score!
Mine's around 790 - which amazes me because my high debt ($27k c.cards - none above 3.9 fixed till paid) to lousy fixed income ratio is out of whack. But my perfect history counters that.
However, my score is going to drop some. Banks seem to be loosening up. They keep throwing me these 0% deals and two gave me limit increases. Since there's talk of rates increasing, I'm going to lock a few of these in and take another 20k. Even with the fee it works out to be only a 3% apr. They think they'll trap me but after rolling balances over and over for 25 yrs they've never tripped me once.
I'll take that all day long, park it in my CU that pays 3% if you use their debit card and take electronic pmts. Free money!
So I make pmts out of that reserve, and let my retirement accounts grow that much longer. I broke even with the crunch 2 yrs ago, finished last year up 13%, and so far this year over 20%.
Course that can blow up any day but I've learned the importance of a balanced portfolio and sticking with a set asset allocation regardless of what the "hot money" is doing. I'll keep plodding along.
But even if the market does go whacko for a bit, there's those cheap c.card reserves to get me through. Sorry banks, you're in my ballpark and you lose!
Average across America is only high 600's. I hope the guy included some rock bottom rates for that score!Mine's around 790 - which amazes me because my high debt ($27k c.cards - none above 3.9 fixed till paid) to lousy fixed income ratio is out of whack. But my perfect history counters that.
However, my score is going to drop some. Banks seem to be loosening up. They keep throwing me these 0% deals and two gave me limit increases. Since there's talk of rates increasing, I'm going to lock a few of these in and take another 20k. Even with the fee it works out to be only a 3% apr. They think they'll trap me but after rolling balances over and over for 25 yrs they've never tripped me once.
I'll take that all day long, park it in my CU that pays 3% if you use their debit card and take electronic pmts. Free money!
So I make pmts out of that reserve, and let my retirement accounts grow that much longer. I broke even with the crunch 2 yrs ago, finished last year up 13%, and so far this year over 20%.
Course that can blow up any day but I've learned the importance of a balanced portfolio and sticking with a set asset allocation regardless of what the "hot money" is doing. I'll keep plodding along.
But even if the market does go whacko for a bit, there's those cheap c.card reserves to get me through. Sorry banks, you're in my ballpark and you lose!
Not sure if you'd be interested, but this made me think of you. Do you have an REI Visa card? If not, you can apply for one (until end of Sept I think) and get a $100 REI gift card.
7/13/13, 11:53 PM
7/14/13, 12:02 AM
Shelby GT350 Member
7/14/13, 12:05 AM
7/14/13, 12:08 AM
Shelby GT350 Member
7/14/13, 01:24 AM
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Join Date: December 14, 2007
Location: State of Jefferson Mountains USA
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Originally Posted by 2k7gtcs 
I'll be watching Diane Kruger, so yes I'll be watching the Bridge.
I'll be watching Diane Kruger, so yes I'll be watching the Bridge.
7/14/13, 05:11 AM
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