The coming financial crisis

[ice grillin you]

i was gonna do the sideline thing but it seemed to be priced to low if you know what i mean...like a hat was worth more points than it...that made me feel like something wasnt quite right with it so i didnt do it

what exactly made it a disappointment

[SunMo]

i was gonna do the sideline thing but it seemed to be priced to low if you know what i mean...like a hat was worth more points than it...that made me feel like something wasnt quite right with it so i didnt do it

what exactly made it a disappointment

[ice grillin you]

truth be told i didnt get it because theres no way im giving up five minutes of drinking time at a tailgate much less two hours

[Susquehanna Birder]

What bugged me was that of the 4 corners they could have put us, we ended up over where the visiting team (the Titans, in this case) were warming up. The only Eagle within sight was Akers, and that was pretty limited. Al in all, it was rather unexciting.

[ice grillin you]

what time did you have to go in

[Susquehanna Birder]

I think it was something like an hour before kickoff, and we had to depart the area 20 minutes before.

[Sgt PSN]

I have two Visa credit cards, both of which are still active.  All the other credit cards I had, I canceled.

I also have department store cards, a gap card, Best Buy, and a gas card... stuff like that but I rarely use them.  Why bother?  If I have the cash in my debit card, I'll use that.  If I don't I won't buy junk I don't need.

Rome, why keep the store cards and other stuff if you don't use them?  It actually dorks up your credit report even if you have a 0 balance on the cards because when you attempt to get a loan or finance a car or something they'll look at those cards as "potential" debt.  If you don't use them, which you shouldn't anyway because store cards have rediculous interest rates, just cancel them.  Especially in todays computer era where hackers could get your info and start running up charges on those accounts. 

[PoopyfaceMcGee]

This discussion has been had on this board before, but you're actually wrong.

It's much better for your credit score to have a long-term account in good standing than less potential revolving debt.

[Sgt PSN]

I guess it depends on whether or not the potential debt you could incur with multiple credit cards exceeds your income to be able to pay it off.  In other words, when looking at a person's income/debt ratio, if that person could only afford to pay say $500/month towards credit card bills but they've got a bunch of credit cards that if maxed out would give them $1500/month in payments, then that's bad.  And credit companies do look at that and take it into consideration.  Of course, if you make plenty of scratch and can afford to make the payments then I guess it would look good. 

[Cerevant]

If you sign up with a credit monitoring service, you can see how convoluted it is.  Too many cards, bad.  Too few cards bad.  If you use more than 50% of the credit on half your cards it is bad.  So, if you have two cards and you a 50% balance on one of them it hurts your credit.  If you have one card and you carry a balance, it hurts your credit.  If your credit limit is too low, it is bad.  If your credit limit is too high it is bad.

The only sure-fire way to have good credit is make your payments on secured debt (mortgage, auto), and carry as little revolving debt (credit cards, heloc's) as possible.

[Seabiscuit36]

credit monitoring services are zesty and a waste of money.  my bank now owns the us yay usa

[PhillyPhreak54]

I use myfico.com and found it to be pretty beneficial. I always swore off those monitoring sites, but this one I like.

[Cerevant]

Sorry, that wasn't meant to be an endorsement of credit monitoring, although I do recommend it for the recently divorced.  Way to easy to get revenge before the paperwork is done.

[Sgt PSN]

Sorry, that wasn't meant to be an endorsement of credit monitoring, although I do recommend it for the recently divorced.  Way to easy to get revenge before the paperwork is done.

This information would have been useful a few YEARS AGO!!

[Butchers Bill]

Citigroup to write down 24 billion and layoff 20,000 workers