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#41
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OT - Bank of America
"Stormin Mormon" wrote in message ... I hope you demanded a cashers check for 0.00 to be sent certified? There was a c/c, which I can't think of the name right now. It was for commercial accounts only. My brother had them with a $25,000 limit. He got a similar letter earlier this year, he didn't have a balance. When he inquired, he was told it was because people couldn't pay their c/c's. An oxymoron reply at it's best. If someone can't pay when the rates were 7-3/4%, how would they pay @ close to 30%? He recently told me the c/c company went under. Maybe someone here knows which one it was. |
#42
Posted to alt.home.repair
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OT - Bank of America
In article ,
aemeijers wrote: it online. What if I am out of town the week the statement gets posted? Then you get it when you get back, just like the paper ones. Heck I can find one that is 6-9 months old a lot easier on line than in that rat's nest I laughingly call a file cabinet. Fixing errors is easier if they DON'T have the money yet. Once it is paid, you are mostly screwed. So, you take care of it just like always BEFORE you pay. My CCs all get the statement available at the same time, I look it over and dispute anything there is. -- "Politics should be limited in its scope to war, protection of property, and the occasional precautionary beheading of a member of the ruling class." -P.J. O'Rourke |
#43
Posted to alt.home.repair
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OT - Bank of America
In article ,
aemeijers wrote: it online. What if I am out of town the week the statement gets posted? Then you get it when you get back, just like the paper ones. Heck I can find one that is 6-9 months old a lot easier on line than in that rat's nest I laughingly call a file cabinet. Fixing errors is easier if they DON'T have the money yet. Once it is paid, you are mostly screwed. So, you take care of it just like always BEFORE you pay. My CCs all get the statement available at the same time, I look it over and dispute anything there is. -- "Politics should be limited in its scope to war, protection of property, and the occasional precautionary beheading of a member of the ruling class." -P.J. O'Rourke |
#44
Posted to alt.home.repair
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OT - Bank of America
Someone wrote .................................
Credit Card? Back in the 90s I watched a show on PBS like this one: http://www.pbs.org/wgbh/pages/frontline/shows/credit/ I cut up all my credit cards and haven't used one since. We only have our mortgage and a small car loan left. Don't blame you; one has to be very careful with any loan arrangement including, or particularly, credit cards! And if CC are a nuisance cut them up and do everything possible on cash basis. But there can be a role for 'careful/thioughtful' consumer use of a CC. The best way to use a credit card IMHO is to set up automatic payment of the 'total' amount due monthly. The CC company takes the balance owing from bank account on the same billing date each month. The result: a) No interest charges (Haven't paid any for CC interest since we got the cards, about 7 years). b) Provides a 21 to 25 day interval before payment is due, thus one is effectively using somebody else's money for that period of time. It ain't much but anything that defers payment without additional cost and is part of the system can be done on principle! For example I bought gasoline tonight, using CC. Payment for that will not be due until the mid October statement. But be careful; the moment the moment the CC balance is not not paid off, annual interest charges of anywhere from 9%, 19% or even 29% can occur. So even for one month on an amount as low as $500 interest for one month can be a significant (around $8 on say $500 owing at 19% etc.) for example. So frequent checks to make sure arrangements are working are in order. Although one usually has an overall mental recollection of where, financially, things are. And watch the fine print like a hawk. And NEVER take cash off a credit card it incurs interest IMMEDIATELY! Municipal taxes for can be paid off over the year, without extra cost and also allow use of CC it is possible at end of March (the deadline) to set up an authorization for one ninth of the amount due to be taken automatically, each month, from bank account. There is no extra charge for this and there are no CC interest charges. Another 'use' we have found for a CC is to buy safely via the internet. We have one presently unused line of credit (it presently owes us $2.21!) linked to credit card at a relatively low rate of interest, which is held in reserve for a potential emergency expenditure. Also find that a CC in good standing ensures smooth purchasing. Do not like that CC company has 'upped' credit limit on our card even though not requested (or needed) and also even though our expenditures had never ever approached the limit. This usually under the guise of "You are such a creditworthy customer and we value your business etc.!!!!) Appeared to be a very crude attempt to get one to borrow more? And 'draw' one into debt and the payment of 'yuk' interest charges! Long ago, financially naive and innocent I bought my first car. All I knew was that it would cost $61 per month. I had no idea how much interest I was paying etc. etc. It wasn't long before I had figured out that anything bought 'on credit' cost MORE!. And the higher the interest ate and other charges the more it cost, over the ticket price. But how to compare different course of action? Then I went on an engineering economy course, with Bell Telephone, and the concept of time-money dawned on me and has been used here ever since on all decisions. Sorry to rant on; but put forward this cheap and dirty interest calculator. Suppose you borrow $10,000 and agree to pay it off monthly over 5 years at say 10% (ten percent just make it easy to figure). At the start you owe 10,000 and at the end of 5 years you owe zero. OK? So on average you owe half of it or 5,000 (I said this was cheap and dirty!). So 'on average' you owe 5,000 at an interest rate of 10%, that's $500 per year for each of the five years. Five years at $500 = $2500. Adding the 2,500 to the 10,000; wow that's a quarter more than I borrowed! Is $12,500. Divide the $12,500 by the number of months 12,500/60 = $208 per month. So roughly your payment will be around $210 - $215 per month for five years. Have just put the above amounts into a 'proper' amortization calculator programme' and the actual monthly amount comes out at $212 per month! So cheap and dirty works quite well for smaller amounts and shorter periods; but don't try using it for a 30 year $100,000 mortgage! BTW watch out for financial tricks such as no payments for three months, meanwhile the seller is totting up interest on the whole amount owing for another quarter of a year! In the above example that could be another $125 or so. Another 1.25%! |
#45
Posted to alt.home.repair
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OT - Bank of America
On Sep 25, 3:40�am, stan wrote:
Someone wrote ................................. Credit Card? Back in the 90s I watched a show on PBS like this one: http://www.pbs.org/wgbh/pages/frontline/shows/credit/ I cut up all my credit cards and haven't used one since. We only have our mortgage and a small car loan left. Don't blame you; one has to be very careful with any loan arrangement including, or particularly, credit cards! And if CC are a nuisance cut them up and do everything possible on cash basis. But there can be a role for 'careful/thioughtful' consumer use of a CC. The best way to use a credit card IMHO is to set up automatic payment of the 'total' amount due monthly. The CC company takes the balance owing from bank account on the same billing date each month. The result: a) No interest charges (Haven't paid any for CC interest since we got the cards, about 7 years). b) Provides a 21 to 25 day interval before payment is due, thus one is effectively using somebody else's money for that period of time. It ain't much but anything that defers payment without additional cost and is part of the system can be done on principle! For example I bought gasoline tonight, using CC. Payment for that will not be due until the mid October statement. But be careful; the moment the moment the CC balance is not �not paid off, annual interest charges of anywhere from 9%, 19% or even 29% can occur. So even for one month on an amount as low as $500 interest for one month can be a significant (around $8 on say $500 owing at 19% etc.) for example. So frequent checks to make sure arrangements are working are in order. Although one usually has an overall mental recollection of where, financially, things are. And watch the fine print like a hawk. And NEVER take cash off a credit card it incurs interest IMMEDIATELY! Municipal taxes for can be paid off over the year, without extra cost and also allow use of CC it is possible at end of March (the deadline) to set up an authorization for one ninth of the amount due to be taken automatically, each month, from bank account. There is no extra charge for this and there are no CC interest charges. Another 'use' we have found for a CC is to buy safely via the internet. We have one presently unused line of credit (it presently owes us $2.21!) �linked to credit card at a relatively low rate of interest, which is held in reserve for a potential emergency expenditure. Also find that a CC in good standing ensures smooth purchasing. Do not like that CC company has 'upped' credit limit on our card even though not requested (or needed) and also even though our expenditures had never ever approached the limit. This usually under the guise of "You are such a creditworthy customer and we value your business etc.!!!!) Appeared to be a very crude attempt to get one to borrow more? And 'draw' one into debt and the payment of 'yuk' interest charges! Long ago, financially naive and innocent I bought my first car. All I knew was that it would cost $61 per month. I had no idea how much interest I was paying etc. etc. It wasn't long before I had figured out that anything bought 'on credit' cost MORE!. And the higher the interest ate and other charges the more it cost, over the ticket price. But how to compare different course of action? Then I went on an engineering economy course, with Bell Telephone, and the concept of time-money dawned on me and has been used here ever since on all decisions. Sorry �to rant on; but put forward this cheap and dirty interest calculator. Suppose you borrow $10,000 and agree to pay it off monthly over 5 years at say 10% (ten percent just make it easy to figure). At the start you owe 10,000 and at the end of 5 years you owe zero. OK? So on average you owe half of it or 5,000 (I said this was cheap and dirty!). So 'on average' you owe 5,000 at an interest rate of 10%, that's $500 per year for each of the five years. Five years at $500 = $2500. Adding the 2,500 to the 10,000; wow that's a quarter more than I borrowed! Is $12,500. Divide the $12,500 by the number of months 12,500/60 = $208 per month. So roughly your payment will be around $210 - $215 per month for five years. Have just put the above amounts into a 'proper' amortization calculator programme' and the actual monthly amount comes out at $212 per month! So cheap and dirty works quite well for smaller amounts and shorter periods; but don't try using it for a 30 year $100,000 mortgage! BTW watch out for financial tricks such as no payments for three months, meanwhile the seller is totting up interest on the whole amount owing for another quarter of a year! In the above example that could be another $125 or so. Another 1.25%! You are correct in what you are saying. Like other posters have said, the trick is to pay off the CC every month so that you don't pay interest. In reality, a CC can be an asset if used correctly and claim the rewards by paying it off. Many years ago I looked closely at the amorization schedule for my home loan. If I kept the house and only made the monthly payment, I was paying almost $300,000.00 for a $100,000.00 home. I thought to myself "what a waste of money". Altho I couldn't pay it off, I could pay a little more onthe principle and pay it off earlier. I did that and after about 5 years, I almost had it paid off. I sold the house and took the equity and built a smaller house with more land and it was totally paid for. Young people HAVE to pay interest on a loan to get a home. As bad as it sucks, it is the only way for some to acquire any savings (equity). It beats renting for sure. But, any interest you don't pay is like having that money go into YOUR pocket. If people would take a close look at the amorization schedule and realize they are wasting many dollars on interest that is coming out of their pockets, I'd think most would come to their senses. At least the smart ones. Hank ~~~thinks interest is wasted money. |
#46
Posted to alt.home.repair
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OT - Bank of America
On Fri, 25 Sep 2009 02:24:53 -0700 (PDT), "Hustlin' Hank"
wrote Re OT - Bank of America: You are correct in what you are saying. Like other posters have said, the trick is to pay off the CC every month so that you don't pay interest. In reality, a CC can be an asset if used correctly and claim the rewards by paying it off. Consider also that some CCs allow you to create limited one-time-use CC numbers with a limited $-amount to use when shopping on-line: http://www.bankofamerica.com/creditc...late=faq#ccs18 A feature I use often. -- I filter all messages from google groups. |
#47
Posted to alt.home.repair
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OT - Bank of America
Ideally, credit cards are paid in full every month. And the
loan is paid off early. That takes a lot of discipline, and self control. Something the American public is slow to learn. Interest is what keeps the credit card companies paid. That, and also fees and penalties. -- Christopher A. Young Learn more about Jesus www.lds.org .. "Hustlin' Hank" wrote in message ... You are correct in what you are saying. Like other posters have said, the trick is to pay off the CC every month so that you don't pay interest. In reality, a CC can be an asset if used correctly and claim the rewards by paying it off. Many years ago I looked closely at the amorization schedule for my home loan. If I kept the house and only made the monthly payment, I was paying almost $300,000.00 for a $100,000.00 home. I thought to myself "what a waste of money". Altho I couldn't pay it off, I could pay a little more onthe principle and pay it off earlier. I did that and after about 5 years, I almost had it paid off. I sold the house and took the equity and built a smaller house with more land and it was totally paid for. Young people HAVE to pay interest on a loan to get a home. As bad as it sucks, it is the only way for some to acquire any savings (equity). It beats renting for sure. But, any interest you don't pay is like having that money go into YOUR pocket. If people would take a close look at the amorization schedule and realize they are wasting many dollars on interest that is coming out of their pockets, I'd think most would come to their senses. At least the smart ones. Hank ~~~thinks interest is wasted money. |
#48
Posted to alt.home.repair
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OT - Bank of America
In article ,
"Stormin Mormon" wrote: Ideally, credit cards are paid in full every month. And the loan is paid off early. That takes a lot of discipline, and self control. Something the American public is slow to learn. Interest is what keeps the credit card companies paid. That, and also fees and penalties. I keep waiting for one my lesser used back up cards to tell me they are going to charge fees. So far, they haven't. -- "Politics should be limited in its scope to war, protection of property, and the occasional precautionary beheading of a member of the ruling class." -P.J. O'Rourke |
#49
Posted to alt.home.repair
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OT - Bank of America
"Master Betty" wrote in message ... I cut up all my credit cards and haven't used one since. We only have our mortage and a small car loan left. You are missing an easy opportunity to have a credit card company give you hundreds of dollars of free money each year. I have an AmEx Blue Cash card, which gives me a 5% rebate on groceries, gas, and prescription drugs, and 1.25% on everything else. I pay in full each month, get a free grace period, don't write any checks, don't have to carry around cash, and once per year I get a credit on my account of many many hundreds of dollars. I have a VISA that gives a 1% rebate when a merchant doesn't accept AmEx, and I get that rebate credit the next month. I always pay in full each month. The credit card company is paying me to use their card. Of course others use cards in this manner that give other types of rewards (ie airline miles). My father's card is through the same bank as his mortgage, so his card rebate goes right toward extra principal payment on his mortgage. I can't imagine why anyone who is creditworthy would not take advantage of this opportunity rather than do what you are doing. |
#50
Posted to alt.home.repair
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OT - Bank of America
On Sep 25, 7:24*am, "Hustlin' Hank" wrote:
On Sep 25, 3:40 am, stan wrote: Someone wrote ................................. Credit Card? Back in the 90s I watched a show on PBS like this one: http://www.pbs.org/wgbh/pages/frontline/shows/credit/ I cut up all my credit cards and haven't used one since. We only have our mortgage and a small car loan left. Don't blame you; one has to be very careful with any loan arrangement including, or particularly, credit cards! And if CC are a nuisance cut them up and do everything possible on cash basis. But there can be a role for 'careful/thioughtful' consumer use of a CC. The best way to use a credit card IMHO is to set up automatic payment of the 'total' amount due monthly. The CC company takes the balance owing from bank account on the same billing date each month. The result: a) No interest charges (Haven't paid any for CC interest since we got the cards, about 7 years). b) Provides a 21 to 25 day interval before payment is due, thus one is effectively using somebody else's money for that period of time. It ain't much but anything that defers payment without additional cost and is part of the system can be done on principle! For example I bought gasoline tonight, using CC. Payment for that will not be due until the mid October statement. But be careful; the moment the moment the CC balance is not not paid off, annual interest charges of anywhere from 9%, 19% or even 29% can occur. So even for one month on an amount as low as $500 interest for one month can be a significant (around $8 on say $500 owing at 19% etc.) for example. So frequent checks to make sure arrangements are working are in order. Although one usually has an overall mental recollection of where, financially, things are. And watch the fine print like a hawk. And NEVER take cash off a credit card it incurs interest IMMEDIATELY! Municipal taxes for can be paid off over the year, without extra cost and also allow use of CC it is possible at end of March (the deadline) to set up an authorization for one ninth of the amount due to be taken automatically, each month, from bank account. There is no extra charge for this and there are no CC interest charges. Another 'use' we have found for a CC is to buy safely via the internet. We have one presently unused line of credit (it presently owes us $2.21!) linked to credit card at a relatively low rate of interest, which is held in reserve for a potential emergency expenditure. Also find that a CC in good standing ensures smooth purchasing. Do not like that CC company has 'upped' credit limit on our card even though not requested (or needed) and also even though our expenditures had never ever approached the limit. This usually under the guise of "You are such a creditworthy customer and we value your business etc.!!!!) Appeared to be a very crude attempt to get one to borrow more? And 'draw' one into debt and the payment of 'yuk' interest charges! Long ago, financially naive and innocent I bought my first car. All I knew was that it would cost $61 per month. I had no idea how much interest I was paying etc. etc. It wasn't long before I had figured out that anything bought 'on credit' cost MORE!. And the higher the interest ate and other charges the more it cost, over the ticket price. But how to compare different course of action? Then I went on an engineering economy course, with Bell Telephone, and the concept of time-money dawned on me and has been used here ever since on all decisions. Sorry to rant on; but put forward this cheap and dirty interest calculator. Suppose you borrow $10,000 and agree to pay it off monthly over 5 years at say 10% (ten percent just make it easy to figure). At the start you owe 10,000 and at the end of 5 years you owe zero. OK? So on average you owe half of it or 5,000 (I said this was cheap and dirty!). So 'on average' you owe 5,000 at an interest rate of 10%, that's $500 per year for each of the five years. Five years at $500 = $2500. Adding the 2,500 to the 10,000; wow that's a quarter more than I borrowed! Is $12,500. Divide the $12,500 by the number of months 12,500/60 = $208 per month. So roughly your payment will be around $210 - $215 per month for five years. Have just put the above amounts into a 'proper' amortization calculator programme' and the actual monthly amount comes out at $212 per month! So cheap and dirty works quite well for smaller amounts and shorter periods; but don't try using it for a 30 year $100,000 mortgage! BTW watch out for financial tricks such as no payments for three months, meanwhile the seller is totting up interest on the whole amount owing for another quarter of a year! In the above example that could be another $125 or so. Another 1.25%! You are correct in what you are saying. Like other posters have said, the trick is to pay off the CC every month so that you don't pay interest. In reality, a CC can be an asset if used correctly and claim the rewards by paying it off. Many years ago I looked closely at the amorization schedule for my home loan. If I kept the house and only made the monthly payment, I was paying almost $300,000.00 for a $100,000.00 home. I thought to myself "what a waste of money". Altho I couldn't pay it off, I could pay a little more onthe principle and pay it off earlier. I did that and after about 5 years, I almost had it paid off. I sold the house and took the equity and built a smaller house with more land and it was totally paid for. Young people HAVE to pay interest on a loan to get a home. As bad as it sucks, it is the only way for some to acquire any savings (equity). It beats renting for sure. But, any interest you don't pay is like having that money go into YOUR pocket. If people would take a close look at the amorization schedule and realize they are wasting many dollars on interest that is coming out of their pockets, I'd think most would come to their senses. At least the smart ones. Hank ~~~thinks interest is wasted money.- Hide quoted text - - Show quoted text - Hank I totally agree. A kindred spirit I think. And it's exactly what my son is doing; paying of his home mortgage as quick as possible, even though the interest rate is low, hoping the equity in will increase (depends on the economy and the location). Now a widower, and for the record I have three children ranging from 47+ to 30. One seems to have fallen near the parent tree and is well aware of 'cost of money' is thrifty and doesn't mind using and fixing and secondhand as long as it does the job. Another can't seem to control finances at all; despite help! A third works hard, earns well has no children, is smart about 'bargains' etc and 'manages' to live within budget. Same parents, same procreation process, no hanky panky in the family so they all came from the same tree! Must be different genes? Here in Canada we have what seem to be be better regulation of financial institutions, and have not had to bail out any of the banks. So it's not instutional problems but individuals who need to be smarter. Improvements are needed in in regulating what are loosely called 'Financial or investment advisers', they are required, if above board , to be registered but there are thirteen different provinces and territories each with it's regulations. But there still are the Bernie Madeoffs here. My adviser for example has to register in at least three areas (at a cost in each) in order to operate legally and if one of his clients moves to another province etc. he has either to register himself in that territory or hand off the client to another adviser. |
#51
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OT - Bank of America
Dimitrios Paskoudniakis wrote:
"Master Betty" wrote in message ... I cut up all my credit cards and haven't used one since. We only have our mortage and a small car loan left. You are missing an easy opportunity to have a credit card company give you hundreds of dollars of free money each year. I have an AmEx Blue Cash card, which gives me a 5% rebate on groceries, gas, and prescription drugs, and 1.25% on everything else. I pay in full each month, get a free grace period, don't write any checks, don't have to carry around cash, and once per year I get a credit on my account of many many hundreds of dollars. I have a VISA that gives a 1% rebate when a merchant doesn't accept AmEx, and I get that rebate credit the next month. I always pay in full each month. The credit card company is paying me to use their card. Of course others use cards in this manner that give other types of rewards (ie airline miles). My father's card is through the same bank as his mortgage, so his card rebate goes right toward extra principal payment on his mortgage. I can't imagine why anyone who is creditworthy would not take advantage of this opportunity rather than do what you are doing. Good advice. |
#52
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OT - Bank of America
On Sep 25, 1:48*pm, LouB wrote:
Dimitrios Paskoudniakis wrote: "Master Betty" wrote in message ... I cut up all my credit cards and haven't used one since. We only have our mortage and a small car loan left. You are missing an easy opportunity to have a credit card company give you hundreds of dollars of free money each year. I have an AmEx Blue Cash card, which gives me a 5% rebate on groceries, gas, and prescription drugs, and 1.25% on everything else. *I pay in full each month, get a free grace period, don't write any checks, don't have to carry around cash, and once per year I get a credit on my account of many many hundreds of dollars. *I have a VISA *that gives a 1% rebate when a merchant doesn't accept AmEx, and I get that rebate credit the next month. I always pay in full each month. The credit card company is paying me to use their card. Of course others use cards in this manner that give other types of rewards (ie airline miles). *My father's card is through the same bank as his mortgage, so his card rebate goes right toward extra principal payment on his mortgage. I can't imagine why anyone who is creditworthy would not take advantage of this opportunity rather than do what you are doing. Good advice.- Hide quoted text - BTW Home loans/mortgages. $100,000. at 6% for various time periods. Monthly payments. 20 years $716 mo total repay 172,000; Interest = 72,000 or 1.72 times original cost 25 years $644 mo repay 193,000; interest = 93,000 1.93 times cost 30 years $600 mo repay 216,000; interest = 116,000 2.16 times cost 40 years $550 mo repay 264,000; interest = 164,000 2.64 times cost Just a thought. So we built our own some 40 years ago and the most ever owed was $12,000, which we disposed of asap. despite a then low salary. So no mortgage! You can scale this up or down. For example $50,000 as above would be exactly half of the 100,000 numbers . Also for slight difference in interest rate, say 5% instead of 6, you can ratio it a bit and not be too far out, for mental calculation. e.g. 5/6 x 600 per month = $500. i.e. somewhere between $500 and $600 per month. Then then calculate it properly using an on-line progarmme such as http://www.bretwhissel.net/amortization/amortize.html Good luck; and aside from credit cards, after all it's OUR money we are paying for housing and home repairs. |
#53
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OT - Bank of America
"Walter R." wrote in message ... No need to complain about interest rates. Just arrange for an automatic deduction of the statement balance from your bank account every month. This will give you the convenience of credit cards (no need to carry cash) plus 30 days grace in paying bills, plus getting a 1% to 3%rebate on all charges. If you cannot pay your balance every month, you should not have a credit card. I've heard the cash back argument but I do almost all my major shopping at Costco where we already get 2% back and they don't take credit. I always use my debit card and the bank offers some consumer protection with ours. I think credit cards can work well for those who use them wisely. Unfortunately, the banks appear to be playing the odds. |
#54
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OT - Bank of America
On Thu, 24 Sep 2009 11:34:33 -0700 (PDT), N8N
wrote: On Sep 24, 2:11*pm, Phisherman wrote: On Thu, 24 Sep 2009 13:31:37 -0400, "Stormin Mormon" wrote: Aparently, B of A is changing personality. Just got a letter, that my promotional rate was going up as high possibly as 27%. And that I needed to call the number, and tell them to reject the rate increase. I did so. But, since when is it my reponsibility to tell them to keep their word? Dump them. *There are better banks with better rates, unless you got to have the marble counters and high ceilings. *You got lucky on this one, the choices are great unlike medical insurance companies. They are? Far as I can tell banks are pretty much all the same, esp. when it comes to credit cards. I've gotten similar letters from all issuers of my credit cards. My credit is excellent, the only negative that I can think of is that I bought a house a few years back so I have more debt than I used to (but I also pay off my cards every month and have money in savings and pay all my bills on time.) Jacking up the interest rates like this just encourages me to not use credit, at least anything other than just as a convenience that is essentially treated like a checking account and is paid off every month. I'll be damned if I'll pay more than 10% interest on anything. nate Charge only the amount you can pay IN FULL each month, and no more. If you stop using credit your credit score decreases. If you stop using the card cancel the account. You are in control, not the bank. DiscoverCard has a cash-back program and you don't need a fancy bank for that one. |
#55
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OT - Bank of America
On Thu, 24 Sep 2009 21:31:25 -0400, "Stormin Mormon"
wrote: I hope you demanded a cashers check for 0.00 to be sent certified? No joke, I got a check made out to me for 3 cents american from a stock company. I saved it. Too much trouble to try to cash or deposit. |
#56
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OT - Bank of America
Master Betty wrote:
"Walter R." wrote in message ... No need to complain about interest rates. Just arrange for an automatic deduction of the statement balance from your bank account every month. This will give you the convenience of credit cards (no need to carry cash) plus 30 days grace in paying bills, plus getting a 1% to 3%rebate on all charges. If you cannot pay your balance every month, you should not have a credit card. I've heard the cash back argument but I do almost all my major shopping at Costco where we already get 2% back and they don't take credit. I always use my debit card and the bank offers some consumer protection with ours. I think credit cards can work well for those who use them wisely. Unfortunately, the banks appear to be playing the odds. If you are a Costco member you can get a FREE Amex card. And the executive card only costs $50 more and is guaranteed to pay for itself. Lou |
#57
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OT - Bank of America
In article , LouB wrote:
If you are a Costco member you can get a FREE Amex card. And the executive card only costs $50 more and is guaranteed to pay for itself. $50 is 2% of $2500. For those of us who don't even come remotely close to spending $2500/yr. at Costco, the "guarantee" amounts to an interest-free loan from consumer to corporation. |
#58
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OT - Bank of America
"LouB" wrote in message ... Master Betty wrote: "Walter R." wrote in message ... No need to complain about interest rates. Just arrange for an automatic deduction of the statement balance from your bank account every month. This will give you the convenience of credit cards (no need to carry cash) plus 30 days grace in paying bills, plus getting a 1% to 3%rebate on all charges. If you cannot pay your balance every month, you should not have a credit card. I've heard the cash back argument but I do almost all my major shopping at Costco where we already get 2% back and they don't take credit. I always use my debit card and the bank offers some consumer protection with ours. I think credit cards can work well for those who use them wisely. Unfortunately, the banks appear to be playing the odds. If you are a Costco member you can get a FREE Amex card. And the executive card only costs $50 more and is guaranteed to pay for itself. Lou We've been exec members for many years now. We've been members since 1994. I do miss the old days when they sent the money back in a check. I was reading some comments on Costco and people were saying "It's worth it for the food court". We get ALL of our major purchases. I bought and sold four houses through them. Now that's a deal! It WAS almost like stealing. (I say "was" because the market isn't what it used to be.) I think we did 2 of my wife's cars through Costco too. Credit Cards: I just don't like messing with the "no credit card " philosophy in my family, but if it becomes a "Gotta do it Hi." thing, I'll reconsider it then. Right now, I don't encourage any debits....if you know what I mean. It's worked really well for us. I paid cash for 7 days in Rome in November through Costco... You just have to love that place. |
#59
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OT - Bank of America
"Smitty Two" wrote in message news In article , LouB wrote: If you are a Costco member you can get a FREE Amex card. And the executive card only costs $50 more and is guaranteed to pay for itself. $50 is 2% of $2500. For those of us who don't even come remotely close to spending $2500/yr. at Costco, the "guarantee" amounts to an interest-free loan from consumer to corporation. Costco will not work for some people, but for us it's money in the bank. There is a method to Costco. I never pay the full membership fee. I almost always get more money back. This year my membership fee was about $6. I could get even more back but I'm not inclined to get every penny I can out of Costco. If you ever buy or sell a house, through a realtor, look into Costco....Or don't. I doubt renters would make as much through a membership. Storage (and a freezer) are important to making Costco work well. |
#60
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OT - Bank of America
Smitty Two wrote:
In article , LouB wrote: If you are a Costco member you can get a FREE Amex card. And the executive card only costs $50 more and is guaranteed to pay for itself. $50 is 2% of $2500. For those of us who don't even come remotely close to spending $2500/yr. at Costco, the "guarantee" amounts to an interest-free loan from consumer to corporation. Gee how much interest are you losing or are they saving? |
#61
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OT - Bank of America
Master Betty wrote:
"LouB" wrote in message ... Master Betty wrote: "Walter R." wrote in message ... No need to complain about interest rates. Just arrange for an automatic deduction of the statement balance from your bank account every month. This will give you the convenience of credit cards (no need to carry cash) plus 30 days grace in paying bills, plus getting a 1% to 3%rebate on all charges. If you cannot pay your balance every month, you should not have a credit card. I've heard the cash back argument but I do almost all my major shopping at Costco where we already get 2% back and they don't take credit. I always use my debit card and the bank offers some consumer protection with ours. I think credit cards can work well for those who use them wisely. Unfortunately, the banks appear to be playing the odds. If you are a Costco member you can get a FREE Amex card. And the executive card only costs $50 more and is guaranteed to pay for itself. Lou We've been exec members for many years now. We've been members since 1994. I do miss the old days when they sent the money back in a check. I was reading some comments on Costco and people were saying "It's worth it for the food court". We get ALL of our major purchases. I bought and sold four houses through them. Now that's a deal! It WAS almost like stealing. (I say "was" because the market isn't what it used to be.) I think we did 2 of my wife's cars through Costco too. Credit Cards: I just don't like messing with the "no credit card " philosophy in my family, but if it becomes a "Gotta do it Hi." thing, I'll reconsider it then. Right now, I don't encourage any debits....if you know what I mean. It's worked really well for us. I paid cash for 7 days in Rome in November through Costco... You just have to love that place. Yup!! |
#62
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OT - Bank of America
On Sep 25, 12:45*pm, Phisherman wrote:
On Thu, 24 Sep 2009 11:34:33 -0700 (PDT), N8N wrote: On Sep 24, 2:11*pm, Phisherman wrote: On Thu, 24 Sep 2009 13:31:37 -0400, "Stormin Mormon" wrote: Aparently, B of A is changing personality. Just got a letter, that my promotional rate was going up as high possibly as 27%. And that I needed to call the number, and tell them to reject the rate increase. I did so. But, since when is it my reponsibility to tell them to keep their word? Dump them. *There are better banks with better rates, unless you got to have the marble counters and high ceilings. *You got lucky on this one, the choices are great unlike medical insurance companies. They are? *Far as I can tell banks are pretty much all the same, esp. when it comes to credit cards. *I've gotten similar letters from all issuers of my credit cards. *My credit is excellent, the only negative that I can think of is that I bought a house a few years back so I have more debt than I used to (but I also pay off my cards every month and have money in savings and pay all my bills on time.) Jacking up the interest rates like this just encourages me to not use credit, at least anything other than just as a convenience that is essentially treated like a checking account and is paid off every month. *I'll be damned if I'll pay more than 10% interest on anything. nate Charge only the amount you can pay IN FULL each month, and no more. If you stop using credit your credit score decreases. *If you stop using the card cancel the account. * You are in control, not the bank. DiscoverCard has a cash-back program and you don't need a fancy bank for that one. That's what I'm doing. I still got rate increases on three different credit cards. Only real impact on me is now instead of thinking that if there's something that I really want that I might be willing to carry a balance for a month or two, now it's simply not an option. I'm sure others feel like I do as well. This can only have a depressing effect on the economy. Something I would be willing to pay 8% interest on, I might not be willing to pay 18%. nate |
#63
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OT - Bank of America
On Fri, 25 Sep 2009 13:43:15 -0700 (PDT), N8N
wrote Re OT - Bank of America: Only real impact on me is now instead of thinking that if there's something that I really want that I might be willing to carry a balance for a month or two, now it's simply not an option. I'm sure others feel like I do as well. Some others might feel as you do, but not many. This is America. Most Americans are into conspicuous consumption and want to leave to bill to the grandchildren. It's supposed to be one of our countless rights. The Chinese will educate us. -- I filter all messages from google groups. |
#64
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OT - Bank of America
"stan" wrote in message ... On Sep 25, 1:48 pm, LouB wrote: Dimitrios Paskoudniakis wrote: "Master Betty" wrote in message ... I cut up all my credit cards and haven't used one since. We only have our mortage and a small car loan left. You are missing an easy opportunity to have a credit card company give you hundreds of dollars of free money each year. I have an AmEx Blue Cash card, which gives me a 5% rebate on groceries, gas, and prescription drugs, and 1.25% on everything else. I pay in full each month, get a free grace period, don't write any checks, don't have to carry around cash, and once per year I get a credit on my account of many many hundreds of dollars. I have a VISA that gives a 1% rebate when a merchant doesn't accept AmEx, and I get that rebate credit the next month. I always pay in full each month. The credit card company is paying me to use their card. Of course others use cards in this manner that give other types of rewards (ie airline miles). My father's card is through the same bank as his mortgage, so his card rebate goes right toward extra principal payment on his mortgage. I can't imagine why anyone who is creditworthy would not take advantage of this opportunity rather than do what you are doing. Good advice.- Hide quoted text - BTW Home loans/mortgages. $100,000. at 6% for various time periods. Monthly payments. 20 years $716 mo total repay 172,000; Interest = 72,000 or 1.72 times original cost 25 years $644 mo repay 193,000; interest = 93,000 1.93 times cost 30 years $600 mo repay 216,000; interest = 116,000 2.16 times cost 40 years $550 mo repay 264,000; interest = 164,000 2.64 times cost Just a thought. So we built our own some 40 years ago and the most ever owed was $12,000, which we disposed of asap. despite a then low salary. So no mortgage! You can scale this up or down. For example $50,000 as above would be exactly half of the 100,000 numbers . Also for slight difference in interest rate, say 5% instead of 6, you can ratio it a bit and not be too far out, for mental calculation. e.g. 5/6 x 600 per month = $500. i.e. somewhere between $500 and $600 per month. Then then calculate it properly using an on-line progarmme such as http://www.bretwhissel.net/amortization/amortize.html Good luck; and aside from credit cards, after all it's OUR money we are paying for housing and home repairs. __________________________________ I don't know about Canada, but in the USA you deduct the mortgage interest paid each year from your income when determining income tax. I live in the state of Maryland, and pay 25% USA income tax, and 8% Maryland/local income tax, so about 33% of the mortgage interest (25%+8%) is how much my income taxes are reduced. For example, if someone in Maryland pays $12,000 in the first year of their mortgage in interest and are in the 25% USA bracket, their US tax bill is reduced by $3,000 (25%) and their Maryland tax bill is reduced by $960 (8%). So where you are adding the $12,000 interest in your calculation, you need to subtract about 1/3 of that due to reduced taxes. So you need to multiply all of your above ratios by 2/3. If you invest the saved taxes in a long-term investment that grows on average 10% per year, and the mortgage interest is 5%, you are better off investing that money rather than paying down the mortgage. Your ratios also aren't yet factoring this in. But you know all this. |
#65
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OT - Bank of America
"LouB" wrote in message ... Master Betty wrote: "Walter R." wrote in message ... No need to complain about interest rates. Just arrange for an automatic deduction of the statement balance from your bank account every month. This will give you the convenience of credit cards (no need to carry cash) plus 30 days grace in paying bills, plus getting a 1% to 3%rebate on all charges. If you cannot pay your balance every month, you should not have a credit card. I've heard the cash back argument but I do almost all my major shopping at Costco where we already get 2% back and they don't take credit. I always use my debit card and the bank offers some consumer protection with ours. I think credit cards can work well for those who use them wisely. Unfortunately, the banks appear to be playing the odds. If you are a Costco member you can get a FREE Amex card. WTF is "Costco"? |
#66
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OT - Bank of America
In article , "h"
wrote: WTF is "Costco"? Sam's club equivalent. |
#67
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OT - Bank of America
Probably close also to BJ's Wholesale club.
-- Christopher A. Young Learn more about Jesus www.lds.org .. "Smitty Two" wrote in message news In article , "h" wrote: WTF is "Costco"? Sam's club equivalent. |
#68
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OT - Bank of America
h wrote:
"LouB" wrote in message ... Master Betty wrote: "Walter R." wrote in message ... No need to complain about interest rates. Just arrange for an automatic deduction of the statement balance from your bank account every month. This will give you the convenience of credit cards (no need to carry cash) plus 30 days grace in paying bills, plus getting a 1% to 3%rebate on all charges. If you cannot pay your balance every month, you should not have a credit card. I've heard the cash back argument but I do almost all my major shopping at Costco where we already get 2% back and they don't take credit. I always use my debit card and the bank offers some consumer protection with ours. I think credit cards can work well for those who use them wisely. Unfortunately, the banks appear to be playing the odds. If you are a Costco member you can get a FREE Amex card. WTF is "Costco"? Wow I thought the whole world knew. 500+ warehouse stores. IMHO quality is often better than Sam's club. http://www.costco.com/ |
#69
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OT - Bank of America
"stan" wrote in message ... On Sep 25, 11:19 pm, "Dimitrios Paskoudniakis" wrote: "stan" wrote in message ... On Sep 25, 1:48 pm, LouB wrote: Dimitrios Paskoudniakis wrote: "Master Betty" wrote in message ... I cut up all my credit cards and haven't used one since. We only have our mortage and a small car loan left. You are missing an easy opportunity to have a credit card company give you hundreds of dollars of free money each year. I have an AmEx Blue Cash card, which gives me a 5% rebate on groceries, gas, and prescription drugs, and 1.25% on everything else. I pay in full each month, get a free grace period, don't write any checks, don't have to carry around cash, and once per year I get a credit on my account of many many hundreds of dollars. I have a VISA that gives a 1% rebate when a merchant doesn't accept AmEx, and I get that rebate credit the next month. I always pay in full each month. The credit card company is paying me to use their card. Of course others use cards in this manner that give other types of rewards (ie airline miles). My father's card is through the same bank as his mortgage, so his card rebate goes right toward extra principal payment on his mortgage. I can't imagine why anyone who is creditworthy would not take advantage of this opportunity rather than do what you are doing. Good advice.- Hide quoted text - BTW Home loans/mortgages. $100,000. at 6% for various time periods. Monthly payments. 20 years $716 mo total repay 172,000; Interest = 72,000 or 1.72 times original cost 25 years $644 mo repay 193,000; interest = 93,000 1.93 times cost 30 years $600 mo repay 216,000; interest = 116,000 2.16 times cost 40 years $550 mo repay 264,000; interest = 164,000 2.64 times cost Just a thought. So we built our own some 40 years ago and the most ever owed was $12,000, which we disposed of asap. despite a then low salary. So no mortgage! You can scale this up or down. For example $50,000 as above would be exactly half of the 100,000 numbers . Also for slight difference in interest rate, say 5% instead of 6, you can ratio it a bit and not be too far out, for mental calculation. e.g. 5/6 x 600 per month = $500. i.e. somewhere between $500 and $600 per month. Then then calculate it properly using an on-line progarmme such as http://www.bretwhissel.net/amortization/amortize.html Good luck; and aside from credit cards, after all it's OUR money we are paying for housing and home repairs. __________________________________ I don't know about Canada, but in the USA you deduct the mortgage interest paid each year from your income when determining income tax. I live in the state of Maryland, and pay 25% USA income tax, and 8% Maryland/local income tax, so about 33% of the mortgage interest (25%+8%) is how much my income taxes are reduced. For example, if someone in Maryland pays $12,000 in the first year of their mortgage in interest and are in the 25% USA bracket, their US tax bill is reduced by $3,000 (25%) and their Maryland tax bill is reduced by $960 (8%). So where you are adding the $12,000 interest in your calculation, you need to subtract about 1/3 of that due to reduced taxes. So you need to multiply all of your above ratios by 2/3. If you invest the saved taxes in a long-term investment that grows on average 10% per year, and the mortgage interest is 5%, you are better off investing that money rather than paying down the mortgage. Your ratios also aren't yet factoring this in. But you know all this.- Hide quoted text - - Show quoted text - .. That makes a lot of sense. But; Not that way in Canada. No deduction of interest from income tax! Either federal or provincial). However if/when you sell your family home and make a profit there is no income tax payable. Also there is no income tax on 'winnings', prizes or gifts. ____________________ In the USA, there is no tax on the increased value of the home when you sell up to US $500,000 more than the purchase price. Also, you can subtract from your sales value all costs to improve your home during ownership. If you invest US $100,000 to improve your home, you can sell it for up to US $600,000 more than the purchase price without incurring tax on the gain. If you still sell for more, you only pay tax on the excess. Pretty hard to do, especially in this market, except for a tiny fraction of extremely high-priced homes. |
#70
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OT - Bank of America
In article ,
"HeyBub" wrote: But, the goal of the liberals was achieved: universal home ownership was achieved. Sorry, but your account of what happened simply isn't true. You probably got the fiction from Fox news, or Rush. The real story is far more interesting. The amount of capital in the world doubled or tripled within a few short years, while the number of investment opportunities stayed the same. American home mortgages were the best investment around, and the world's money demanded more of them. The only way for mortgage brokers to increase the supply, was to relax the standards for qualification. And relax they did. It was pure capitalistic greed, not idealism, that drove us into the dirt. |
#71
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OT - Bank of America
In article ,
"Dimitrios Paskoudniakis" wrote: you still sell for more, you only pay tax on the excess. Pretty hard to do, especially in this market, except for a tiny fraction of extremely high-priced homes. Or those like me who have owned the house for 30 years..... -- "Politics should be limited in its scope to war, protection of property, and the occasional precautionary beheading of a member of the ruling class." -P.J. O'Rourke |
#72
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OT - Bank of America
In article ,
"Dimitrios Paskoudniakis" wrote: In the USA, there is no tax on the increased value of the home when you sell up to US $500,000 more than the purchase price. Also, you can subtract from your sales value all costs to improve your home during ownership. If you invest US $100,000 to improve your home, you can sell it for up to US $600,000 more than the purchase price without incurring tax on the gain. If you still sell for more, you only pay tax on the excess. Pretty hard to do, especially in this market, except for a tiny fraction of extremely high-priced homes. There is no tax on the increase as long as you take the money and reinvest in another home within a certain period of time. You only owe taxes if you decide not to reinvest in another single family home within that time frame AND the total profits from first home to last don't go over the $500,000, a little easier to do, but not much. -- "Politics should be limited in its scope to war, protection of property, and the occasional precautionary beheading of a member of the ruling class." -P.J. O'Rourke |
#73
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OT - Bank of America
In article
, Smitty Two wrote: Sorry, but your account of what happened simply isn't true. You probably got the fiction from Fox news, or Rush. The real story is far more interesting. The amount of capital in the world doubled or tripled within a few short years, while the number of investment opportunities stayed the same. American home mortgages were the best investment around, and the world's money demanded more of them. The only way for mortgage brokers to increase the supply, was to relax the standards for qualification. And relax they did. It was pure capitalistic greed, not idealism, that drove us into the dirt. Neither is yours either. Actually both are right and both are wrong as both (along with Greenspan's too lax too long money policies, changes in the way both mortgage and banks were regulated in the early 00s, and other things too numerous to mention) all put us in the jackpot we are in today (including to a certain extent nothing worse than returning to the mean). -- "Politics should be limited in its scope to war, protection of property, and the occasional precautionary beheading of a member of the ruling class." -P.J. O'Rourke |
#74
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OT - Bank of America
Smitty Two wrote in
news In article , "HeyBub" wrote: But, the goal of the liberals was achieved: universal home ownership was achieved. Sorry, but your account of what happened simply isn't true. You probably got the fiction from Fox news, or Rush. The real story is far more interesting. The amount of capital in the world doubled or tripled within a few short years, while the number of investment opportunities stayed the same. American home mortgages were the best investment around, and the world's money demanded more of them. The only way for mortgage brokers to increase the supply, was to relax the standards for qualification. And relax they did. It was pure capitalistic greed, not idealism, that drove us into the dirt. I'm with you, Smitty Two. It just isn't any good for a pinco like me to throw money away. Responsible finances are a must. You can't afford it? Don't get it as a homeowner, and also don't give it as a bank. I don't buy it as a Clinton imperative at all. -- Best regards Han email address is invalid |
#76
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OT - Bank of America
LouB wrote:
h wrote: "LouB" wrote in message ... Master Betty wrote: "Walter R." wrote in message ... No need to complain about interest rates. Just arrange for an automatic deduction of the statement balance from your bank account every month. This will give you the convenience of credit cards (no need to carry cash) plus 30 days grace in paying bills, plus getting a 1% to 3%rebate on all charges. If you cannot pay your balance every month, you should not have a credit card. I've heard the cash back argument but I do almost all my major shopping at Costco where we already get 2% back and they don't take credit. I always use my debit card and the bank offers some consumer protection with ours. I think credit cards can work well for those who use them wisely. Unfortunately, the banks appear to be playing the odds. If you are a Costco member you can get a FREE Amex card. WTF is "Costco"? Wow I thought the whole world knew. 500+ warehouse stores. IMHO quality is often better than Sam's club. http://www.costco.com/ Don't know about relative store counts, but there aren't any within an hour of here, and some states seem to be skipped entirely. They seem to be cherry-picking their store placements. Nothing wrong with that, of course- you go where the money is. But that means a large percentage of the population will never hear of you, much less walk through your door. -- aem sends... |
#77
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OT - Bank of America
"Kurt Ullman" wrote in message ... In article , "Dimitrios Paskoudniakis" wrote: In the USA, there is no tax on the increased value of the home when you sell up to US $500,000 more than the purchase price. Also, you can subtract from your sales value all costs to improve your home during ownership. If you invest US $100,000 to improve your home, you can sell it for up to US $600,000 more than the purchase price without incurring tax on the gain. If you still sell for more, you only pay tax on the excess. Pretty hard to do, especially in this market, except for a tiny fraction of extremely high-priced homes. There is no tax on the increase as long as you take the money and reinvest in another home within a certain period of time. You only owe taxes if you decide not to reinvest in another single family home within that time frame AND the total profits from first home to last don't go over the $500,000, a little easier to do, but not much. WRONG. That law was replaced with the $500K limit with no requirement to buy another house about 10 years ago or so. |
#78
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OT - Bank of America
aemeijers wrote:
Don't know about relative store counts, but there aren't any within an hour of here, and some states seem to be skipped entirely. They seem to be cherry-picking their store placements. Nothing wrong with that, of course- you go where the money is. But that means a large percentage of the population will never hear of you, much less walk through your door. There are no Walmarts in: * New York City * Boston * San Francisco * Detroit * Chicago * Washington, D.C. * There's one Walmart in Los Angeles and two in Philadelphia Meanwhile, * There are 17 Walmarts in Houston There may be more to store locations than cherry-picking by the management. Can anyone guess another reason? |
#79
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OT - Bank of America
Smitty Two wrote:
In article , "HeyBub" wrote: But, the goal of the liberals was achieved: universal home ownership was achieved. Sorry, but your account of what happened simply isn't true. You probably got the fiction from Fox news, or Rush. The real story is far more interesting. The amount of capital in the world doubled or tripled within a few short years, while the number of investment opportunities stayed the same. American home mortgages were the best investment around, and the world's money demanded more of them. The only way for mortgage brokers to increase the supply, was to relax the standards for qualification. And relax they did. It was pure capitalistic greed, not idealism, that drove us into the dirt. You actually believe two Democratic administrations, with bills authored by Barney Frank, were trying to do a favor for investment bankers? That really doesn't pass the giggle-test. Really. |
#80
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OT - Bank of America
"HeyBub" wrote
Meanwhile, * There are 17 Walmarts in Houston There may be more to store locations than cherry-picking by the management. Can anyone guess another reason? Proximity of shippage. With 17 in one city, you can bring in an 18 wheeler full of just hair scrunchies then local truck them about. A single walmart in some other place isnt on the shippage lines and has to be variety stocked. |
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