Friday, May 15, 2009

Open Thread -- Open Topic/Off Topic


The blog has more than 600 entries. Additionally, there are well over 17,000 comments. Not surprisingly, some threads, though long and interesting, are old. Some of my readers are not likely going to post in those old threads -- for fear that no one will see them (except me). As an aside, I get an email any time someone posts a comment at CreditMattersBlog.com. I have a LOT of email. Anyhow, one of my readers made a suggestion this morning. I think it's a good one.

From here on out, I am going to create an "open topic/off topic" thread. I'll do that on Monday morning. The blog entry can be used for just about anything. As always, no attacks on each other will be permitted. Otherwise, almost anything goes. You can talk about anything. Importantly, though, you can use the thread to talk about credit issues that have not been addressed at my blog. Or you can talk about stuff that I have written about -- stuff that might have been written about months ago (where you might not want to post in the old thread).

I have no idea how many of my readers want this feature. It could be that none of my readers are interested in this kind of thing. Tell you what. I'm going to give this a whirl. If very few people post in it, I will assume that it's not something my readers want. If that's the case, don't be surprised if I discontinue it. If, however, I see that the thread is active, I will keep bumping the thread to the top of the blog each Monday.

We'll see how it turns out.

Thanks for reading. Thanks for supporting the blog. And thanks for sharing.

1,277 comments:

  1. ummm.... What happened to the Live Video when you are online?

    ReplyDelete
  2. No time for it. And when I was in the room, not many showed up. My guess is that the sporadic appearances didn't work well.

    Just turns out that my law-school life is hectic this semester. I've noticed that I am not at my desk too much.

    ReplyDelete
  3. In fact, I am posting this message from some place else. I am not in my home office.

    ReplyDelete
  4. I understand.............

    ReplyDelete
  5. Wish I had the time, though. I like doing Web casts. Nice to talk with readers.

    ReplyDelete
  6. Bob, I did it for you. I've missed your posting. :)

    ReplyDelete
  7. Alright CM! I have been waiting for this for SO long. :D

    http://www.youtube.com/watch?v=SG8WMwda968

    Ahahaha enjoy it. Courtesy of one of my lovely readers :)

    ReplyDelete
  8. I like this Idea.

    I'll start the off topic.

    I'm SEXY!!!!

    ReplyDelete
  9. Great!! I was about to post a query today asking if people can give me some suggestion for a new cash back credit card :D.My research on web left me more confused.May be I can use that forum for it????

    ReplyDelete
  10. Absolutely. Ask away.

    Does anyone have a suggestion for Anon?

    One of my favorite cash-back cards is Penfed Cash Rewards. You get 5% for gas purchases; 2% for supermarket purchases; and you get 1.25% cash back for everything else. Cash is credited automatically -- applied to your closing balance each month.

    So simple.

    ReplyDelete
  11. Thanks for the quick reply..Will definitely check penfed.I was searching for big names like Amex Blue Cash,Discover More and Chase Freedom.
    I need to create an account for myself :)

    ReplyDelete
  12. Hopefully more readers will chime in.

    In the meantime, here is the write up I did on the Penfed card:

    http://www.creditmattersblog.com/2008/07/looking-to-combat-high-gas-prices.html

    ReplyDelete
  13. I'm having good luck with my FNBO MaxRewards... It's 2 points for every dollar on everything. I got 10k points ($100) for opening the account and cashback is an option (as a statement credit). This was an offer that is better then the online offer, but I've had two people get the same deal by talking to a CSR.

    Now for my random Youtube link:
    http://www.youtube.com/watch?v=7uSlqI1AVUk

    ReplyDelete
  14. CM, no I'm not really sixty.
    I was just funning.

    ReplyDelete
  15. I've still go my eye on the Schwab 2% Visa with 0% Foreign Exchange Transaction Fees.

    ReplyDelete
  16. Anon, I have written about that Schwab card that BW is referencing, too.

    http://www.creditmattersblog.com/2008/12/schwab-bank-invest-first-visa-credit.html

    ReplyDelete
  17. At this rate, CM, you may need to re-boot this thread every Monday ;-)

    ReplyDelete
  18. DARN!
    Firefox spell check let me down!
    Make that "got my eye..." :-p

    ReplyDelete
  19. Some of my best ideas have come from readers. One thing I really like about having a blog is that I can respond to reader requests quickly. Wouldn't surprise me if this works out.

    What I may do is just keep it near the top of the site each day. Not sure yet.

    I'd like to get some reader feedback on that.

    Bump it each morning? Or just let it slide down the front page each week?

    Let me know.

    ReplyDelete
  20. Firefox did not let you down. It had no reason to flag the word "go."

    ReplyDelete
  21. Please vote, dear readers. Bump a day or bump every week?

    I'll vote too. Bump once a day.

    ReplyDelete
  22. Daily bumps can be fun.

    ReplyDelete
  23. It's your site, Clutch. Whatever you guys want.

    ReplyDelete
  24. WHOO-HOO!!

    Of course you do realize that my main objective was to have a place to randomly spew "she's your queeeeeeen to beeeeeeee..." without getting in trouble.

    I KID, I KID!!

    ReplyDelete
  25. Ulysses, I watched Coming to America the other day. I was busy quoting away.

    Feel free.

    ReplyDelete
  26. OK, so about PenFed... I recently joined to take advantage of the CD rates, so I could rescue some of what was left of my retirement money... move some of it out of the market to somewhere safe. So I have the IRA CD now, and of course the $5 share account, but I'm hesitant to apply for new credit for the sake of it. I read that they randomly offer preapproved CCs when you log in, just click and it's yours. When does that happen, and under what circumstances?

    ReplyDelete
  27. BTW, I have an interview tomorrow morning for the 2nd job I now NEED just to make ends meet. Just $10 an hour, but a job is a job. Wish me luck!!

    ReplyDelete
  28. Ulysses, it's totally random with Penfed. Those preapprovals just show up. When they do show up, you just accept them and go on your merry way. There are no hard pulls because the preapproval is based on an account review (Penfed uses Equifax for account reviews).

    ReplyDelete
  29. Ulysses, this is the way that the preapprovals used to look -- before Penfed revamped the site.

    http://img.photobucket.com/albums/v125/marcussandiego/penfed.jpg

    ReplyDelete
  30. Bleh, Equifax is my crappiest report for some reason. So I'm not likely to see the revamped version of that graphic, especially as I only have a deposit product with them. But it's great there are no hards.

    Thanks for the good vibes for tomorrow. :-

    ReplyDelete
  31. Good vibes being sent your way, U.

    And you never know with Penfed. But mine have shown up about every six months or so. My most recent one has been there for a few months. I haven't bitten because I don't need a $25,000 loan. I don't need a $50,000 car; and I do not need a new boat.

    ReplyDelete
  32. "Inside the Meltdown" airs tomorrow on PBS...

    [FRONTLINE investigates the causes of the worst economic crisis in 70 years and how the government responded. The film chronicles the inside stories of the Bear Stearns deal, Lehman Brothers’ collapse, the propping up of insurance giant AIG, and the $700 billion bailout. Inside the Meltdown examines what Treasury Secretary Henry Paulson and Federal Reserve Chairman Ben Bernanke didn’t see, couldn’t stop and haven’t been able to fix.]

    http://www.pbs.org/wgbh/pages/frontline/meltdown/

    ReplyDelete
  33. Scott, excellent. Good use of this thread.

    Thanks!

    ReplyDelete
  34. Maybe since I never applied for a card with them, they'll eventually try to tempt me with a preapproved offer.

    ReplyDelete
  35. Not sure, U. I had a credit card with Penfed from the beginning. Eventually they offered me a second card. If I didn't want the new card I could take the limit from the proposed new card and apply it to my existing card (that's what I did).

    ReplyDelete
  36. GM, Chrysler gain traction in UAW talks

    http://money.cnn.com/2009/02/16/autos/gm_uaw.reut/?postversion=2009021616

    ReplyDelete
  37. Trump Entertainment may file bankruptcy; Would be third time.

    http://uk.reuters.com/article/businessNews/idUKTRE51G05E20090217

    ReplyDelete
  38. Sponsor an Executive

    http://www.youtube.com/watch?v=qDC0qcf0kzE

    ReplyDelete
  39. Well I know that I, for one, will be sponsoring a few execs.

    In news of me - my wonderfully fabulous new job? Wont last another month. The company is closing shop. Awesome. Nothing like being unemployed again. I hate this state.

    ReplyDelete
  40. Lion, so sorry to hear this.

    ReplyDelete
  41. I cant think of any other card that is better than Penfed! If you have an In, get it. If your on the fence about applying for it, fall off on the penfed side!

    On the random, off topic side- I like PIE!!

    ReplyDelete
  42. Sorry to hear about job loss Lion :(
    My request for information about a good cash back credit card led to some really cool discussion :D.Thanks everyone!
    My credit score as displayed by Wamu and credit karma is 750+ Most of the pre-approved credit card offer I get are from American express for preferred rewards gold card,which I don't want.They have annual fees,etc etc. So I will have to apply by myself.Thank you everyone!

    ReplyDelete
  43. Anon, if you do happen to get that gold Amex card, I am sure that the annual fee is waived for the first year. Still, I have the card. It doesn't do anything for me. I'll have to figure out what to do with it when the annual fee comes up in July.

    If I am doing more traveling by then, maybe I will upgrade to the platinum card. Otherwise, I may downgrade to the green card.

    Lupo, I like cherry pie.

    ReplyDelete
  44. I want to change my citibank card to a card that reports my credit limit. If I do this, will I be able to keep the age of this account? Or will it appear that I opened it in 2009, instead of 1988?

    ReplyDelete
  45. There is always pie. Speaking of pie, anyone know who makes the best store pie? In other words, something like Marie Callendars.

    Looking for a good cherry pie. Something that is not homemade.

    By the way, Lion, I have tried all of your Simply drinks. I have really enjoyed them. I got lemonade this past weekend. Pretty good. Finding them for about $3 per container.

    ReplyDelete
  46. Anon, the age will follow the account. You're just converting the card. The history will follow.

    ReplyDelete
  47. Have you seen "House of Cards" on CNBC? They have been showing it all weekend, what an excellent educational summary and great way to understand how the banks marketed the collaterals to investors, etc. Sad to watch all the portions concerning the foreclosures though. But you should put that one in your MUST watch list, it is 2 hours long.

    Also I have not seen you mention anything about the CEOs of the banks being grilled by Congress last week> http://www.chicagotribune.com/business/chi-thu-bailout-banks-feb12,0,4547531.story

    ReplyDelete
  48. Thanks, Cookie. Last week was crazy for me. I had a big paper due. In fact, I think the hearing was on Thursday (same day that I had to turn the paper in and present it).

    So thanks for the Trib story.

    ReplyDelete
  49. CM, yes I imagine, hope the paper turned out excellent! Don't mean to give you bad news but>

    http://www.dcexaminer.com/local/Big-law-firms-hit-hard-by-layoffs-0217-39690327.html

    One more interesting story..
    http://jan.freedomblogging.com/2009/02/13/oc-company-says-chase-wamu-stiffed-it-for-225000/9155/

    ReplyDelete
  50. Cookie, no worries. I'm working for a small firm that's really busy. I should fare OK.

    ReplyDelete
  51. Cookie, thanks for the WaMu story. Interesting little story there. Chase has it right. It's not responsible for the holding company's debt. Chase, meanwhile, did pay for the services that it agreed to pay for.

    Thanks.

    ReplyDelete
  52. I am thoroughly sickened with our credit reporting system. I won't go into my experience which I'm sure applies to almost everyone. Bottom line is if you want anything done right you have to write letters and stay in their face until it's resolved. This will unfortunately take most of your life.

    ReplyDelete
  53. CM,I just read this story in newsweek

    http://www.newsweek.com/id/183666

    Just wondering what is your take on this?

    ReplyDelete
  54. Someone..somewhere, this is from the story:

    "I learned the hard way: while blogs can do many wonderful things, making huge amounts of money isn't one of them."

    Agree. Most blogs don't make a dime. I blog as a hobby. I enjoy my readers; I enjoy the daily banter. I sure as heck have no illusions, though: this is not a way to get rich.

    See this blog entry I did about making money on the blog:

    http://www.creditmattersblog.com/2008/11/cartoon-of-day-blogging-for-dollars-not.html

    ReplyDelete
  55. Man...you have a cartoon or an entry for every thing I ask :D ...

    ReplyDelete
  56. Someone..somewhere, I have about 460 entries on the site now. I've covered a lot of stuff :)

    ReplyDelete
  57. Whoa whoa whoa! CM! For shame! You can't eat STORE cherry pie! It MUST be homemade. Do I need to make you a pie?

    Glad you like the Simply juices. $3 is pretty average. I think mine are $2.86 or something. So worth it!

    ReplyDelete
  58. I make good pies. I make apple and cherry and pumpkin and strawberry rhubarb pies. All yummy. What can I make for ya?

    ReplyDelete
  59. Dang. I like all of those except pumpkin. Any and all would work for me, Lion!

    ReplyDelete
  60. What kind of a sick man are you that you don't like pumpkin pie?!? Everyone likes pumpkin pie! Especially with a little vanilla ice cream on top. yummm. I may have to stop reading forever now.

    I will make strawberry rhubarb this summer and send it up as a graduation pie! For now, lets stick with cherry!

    ReplyDelete
  61. Ulysses,

    I was reading your comment about just recently joining PenFed. Congrats on that, but I was thinking that even though you don't have a pre-appv offer for a CC, if you signed up with them less than 60 days ago, then why not apply for the CC yourself, since they already hit you with one hard inq. PenFed has a nice little situation, where they use that one hard inq to approve various credit product within 60 days I believe. Just a thought. I really enjoy the Rewards CC they offer. Good Luck and let us know what you do.

    ReplyDelete
  62. Just need to vent...

    I'm trying to make a new computer for a friend.

    I've been researching all these components, but choosing the motherboard is keeping me.

    Here's a recent video of my "old" computer that I made.

    ;-D

    http://www.youtube.com/watch?v=nmE2Zv3kKno

    ReplyDelete
  63. Got contacted by a former schoolmate of mine. Haven't seen her in over 30 years! Almost had a thing going until family pulled up stakes to move to a new city. We've been wondering what the years have done to us. So naturally we've kept in touch thanks to today's technology. Hope for a little reunion in the near future!

    ReplyDelete
  64. On topic...

    My final PFICO is 822.

    What a downer, for me!

    LOL!

    The final PFICO graph shows an interesting symmetry. Will try to post a screenshot at CB soon!

    ReplyDelete
  65. I knew the best lemon meringue pie in the world.

    Unfortunately, I don't remember the restaurant, but it was in the city of Alameda, CA. And it's been over 30 years, so I don't know if the pie will be the same.

    Been trying to replicate that pie at home, but no such luck.

    Yes, I bake. Although not as good as The Lion. But I do believe my chocolate chip roasted walnut cookies might give her a run for her money!

    ;-)

    ReplyDelete
  66. BTW...

    I vote no on store-bought pies.

    Restaurant pies may be better, like Marie Callender's.

    ReplyDelete
  67. Who's the sick man that don't like pumpkin pie???

    ReplyDelete
  68. "I've been researching all these components, but choosing the motherboard is keeping me."

    I always pick the processor/motherboard first and then look into the other components. I always just found a motherboard that is cheap, been around for awhile and has a lot of good reviews at newegg, etc.

    Pumpkin pie isn't very good.

    Marie Callendars as one of the better cherry pies, at least in cookie cutter Southern California. Finding good pie in California is like finding good Mexican food in Pennsylvania.

    ReplyDelete
  69. TVR, what motherboards are you considering?

    ReplyDelete
  70. Anon 3:35: Only reason I haven't applied for PenFed card is that I'm just not into applying for new credit right now. Staying under the radar in this climate. But when I emerge (probably around the end of the year, when my newest card hits 2 years and the inquiry for it falls off EQ), I will apply for PenFed.

    How can anyone not like pumpkin pie?! Oh, I made a great pumpkin cheesecake for the holidays. A healthier version, no one was any the wiser.

    ReplyDelete
  71. Pies are cookie-cutter in California?

    That takes the cake! LOL!

    Way to go, Carnap!

    ReplyDelete
  72. clutchcargo,

    I was thinking about Intel mobos.

    But I see all the others (Abit, Asus, Giga, etc.) in the same price range (cheap).

    I just need one that is mainly for normal everyday tasks, no heavy gaming, some basic photo/video editing.

    In fact, the PSU will be 480 watts. That's the kind of computing that will be done on that computer. No Lan party kind of thing.

    CPU will be 45nm.

    ReplyDelete
  73. Vibe, CM is the sick, sick man who doesn't like the glorious food that is pumpkin pie. And carnap - it seems. But that is just because he likes to argue with me :)

    I'll teach you how to bake better, so you can be like me! Although - to be fair. I only bake pies, cakes, pastries and sugar cookies. Any other cookie comes out HARD as a rock. No good. I don't know why :)

    Ulysses, I made a healthy pumpkin pie for Thanksgiving...everyone noticed. That crap was NASTY. Luckily, I had several fully fattening pumpkin pies chilling. The day was saved.

    ReplyDelete
  74. TVR, Intel boards are rock solid. They lack some of the overclocking and performance features of the Abit and Asus boards, but they make up for it with their 3 year warranty.

    You really can't go wrong with a Intel motherboard.

    ReplyDelete
  75. Experian stops offering FICO scores to consumers

    http://www.dallasnews.com/sharedcontent/dws/bus/columnists/pyip/stories/DN-moneytalk_16bus.State.Edition1.df8af6.html

    ReplyDelete
  76. Cultural side note: Blacks -- especially southern blacks -- will typically shun pumpkin pie in favor of sweet-potato pie.

    ReplyDelete
  77. Especially with the Giant Marshmallows on top, cooked til they are brown and crispy!! (I am also from the South, but not black.) Is a great Southern dish!!!

    ReplyDelete
  78. American Express Falls as Credit-Card Defaults Worsen

    http://www.bloomberg.com/apps/news?pid=20601087&sid=a5NV32OfjCyc&refer=home

    ReplyDelete
  79. Alright. Now I have had sweet potatoes with marshmallows. But it was NOT a pie. It was just baked in a glass dish. Is that what you are talking about?

    And pumpkin pie should NEVER be shunned!

    ReplyDelete
  80. Lion, I'll try your pumpkin pie. Maybe you can convert me.

    ReplyDelete
  81. Well, I have some strange news to add.
    I have recieved $750 this month in CLI's and had 2 cards LOWER the interest rate (both by 3%). Once card raised the interest (by 2%), but not to worry, there's no balance.

    In another letter today, I get the info that I have lost nearly 4k in my investmnent fund, all in goverment areas. That hurts.

    So what's up with the credit cards? IME: heavy usage equates to higher limits and interest decreases, little usage and no balance results in higher interest?? Strange, just Strange.

    ReplyDelete
  82. Collins, there's so much "strange" now. The world's been turned on its head, and no one knows what to do for the best anymore.

    ReplyDelete
  83. Geez, you guys are amazing. Some 100 comments in less than 24 hours. I guess you guys want to keep this off-topic thread going.

    ReplyDelete
  84. Those sweet potatoes with marshmallows always remind me of puke, I can never bring myself to eat them.

    And no, I'm not saying that to just disagree with you.

    Food is pretty regional, I can't even stomach some of the stuff they make in the midwest/south.

    ReplyDelete
  85. Carnap, no worries. There are some foods that I cannot stand. For example, brussel sprouts. No thanks. And I do not like pecan pie either.

    ReplyDelete
  86. I'll take brussel sprouts with better, salt and pepper over that marshmallow mush and pie pumpkin pie any day!

    ReplyDelete
  87. Carnap, the sprouts are yours. I'll take the marshmallow mush. The pumpkin pie can be split among everyone else.

    ReplyDelete
  88. Disdain for pecan pie is a crime against humanity.

    CONFIDENTIAL TO LION: Yeah, sweet-potato pie is a "real" pie. Put a punkin' pie and a sweet-potato pie side by side and try to tell the difference by sight.

    ReplyDelete
  89. I just got a change of terms to my card member agreement. Increasing rates and fees and changing fixed to variable. So they can just change you from a fixed rate to a variable rate and start adding annual fees or whatever?

    The envelope said " Your Statement Is Enclosed". No statement though. So since they have notified me of these changes, their obviously going to change it to variable and raise my rates...that's what I'm reading between the lines.

    Anyone else get this letter? Dear Card Member, the Dear John letter of the CC companies.

    ReplyDelete
  90. Don't forget: "Inside the Meltdown" airs tonight on PBS.

    Check your local listings.

    ReplyDelete
  91. Yeah, just the Blue Card, I guess, the see through one.

    ReplyDelete
  92. It's an Rewards Express Card...just says Blue from American Express on the previous statements.

    ReplyDelete
  93. We'll see if someone has had that happen, Suz.

    But bottom line: American Express can turn your fixed APR into a variable APR. And it can add fees. Of course, you'll have the opportunity to reject the new terms. If you do, Amex will close the account.

    ReplyDelete
  94. We'll see if anyone else gets one too. It seemed like a standard letter, I always pay them off every month. But if I had a balance and refused the new rates I would still be able to pay off at the old rate, right?

    ReplyDelete
  95. Sometimes these card issuers won't let you opt out, Suz. You'll have to read the letter and see if there is an opt-out provision. If there is, you'll have to see what that entitles you to.

    ReplyDelete
  96. I enrolled in Equifax Scorewatch free trial, for some reason i am thinking that i read somewhere that if you request your second report in your free trial period, that you will automatically be enrolled in the program and your credit card will be charged. Is this correct or can I get a second report for free and then cancel without being charged?

    ReplyDelete
  97. Some rabble-rousing and comments.. slow at work atm:)
    Motherboards.. I was an intel fan, got a ASUS P5QLE. Excellent, fast board. Cheap at newegg, and intel quad core proc to go along. I'm a -huge- online gamer (Warhammer 40k atm)
    That 'US delegation' that went to india recently..just to 'relive' MLK's experience.. taxpayer funded? Why are these congress-people traveling about in these economic times? Why aren't they at work like I am, and a LOT of people aren't? *sigh*
    No one can come up with any good reason whatsoever for certain congresspeople to be celebrating some experience MLK had that will directly or even indirectly impact the economy. Period. (/vent off) :)

    ReplyDelete
  98. Anon, I am not sure about Scorewatch. Not sure about what happens if you get that second score.

    ReplyDelete
  99. Anon @ 902 - I perused their site (Equifax) but as I didn't sign up for the free trial offer, I didn't find anything that stated facts about a second report during a free trial period. At the risk of sounding like a smart*ss, I'd call 1-800-4-Equifax and ask them.

    ReplyDelete
  100. I'm with Sandman. I'd call and find out. Don't guess.

    ReplyDelete
  101. I don't see anything about opting out on this notice, so the old opt out provision must still apply. I may be jumping the gun just assuming they will raise mine...it is a standard letter and I imagine others will be getting one soon if they haven't already.

    Getting pretty used to these left curves they keep throwing.

    Important Notice
    "We are making several changes to our card products in response to the challenging environment and the increasing cost of doing business."

    ReplyDelete
  102. Wouldn't it be nice if we could do the same thing, whenever we felt like it? "I am making several changes to when, how much and even whether or not I pay you, in response to the challenging environment and the increasing cost of living."

    I APOLOGIZE FOR ANY INCONVENIENCE.

    ReplyDelete
  103. CM, no one likes brussel sprouts or pecan pie. That is ok. I will come make you a nice fresh pumpkin pie. You will never go back. Trust me.

    ReplyDelete
  104. Who's the sick man that doesn't like pecan pie???

    ReplyDelete
  105. CM, ever had balut?

    http://en.wikipedia.org/wiki/Balut_(egg)

    ReplyDelete
  106. You should try it. It's under-developed duck embryo. Very tasty.

    ReplyDelete
  107. Tell you what, Vibe, if I am ever given the opportunity, I'll be sure to try it.

    ReplyDelete
  108. Well, I am a sick WOMAN who doesn't like pecan pie.

    Dude. Vibe, duck embryo? Who decided to eat that first? Really?

    ReplyDelete
  109. You da man!

    Hint, you don't have to eat the hard white part if you don't want. There's no taste there.

    ;-)

    ReplyDelete
  110. Kansas budget impasse ends

    http://www.google.com/hostednews/ap/article/ALeqM5hGIgMQ6KdGHUR7mOjWMM9ZXRgUFQD96DLTTG0

    ReplyDelete
  111. Sorry, Lion.

    Maybe I shouldn't post this link:

    http://www.deependdining.com/2005/09/balut-egg-of-darkness-pinoy-pinay.html

    Oops, I just did! LOL!

    ;-)

    ReplyDelete
  112. This isn't *quite* what I envisioned for this thread... LOL

    ReplyDelete
  113. I agree with you Ulysses.

    Lots of sick people here who don't like pecan pies.

    Who whudda thunk?

    ;-)

    ReplyDelete
  114. clutch @ February 17, 2009 12:03:00 PM EST

    Thanks, man. I gonna read up on them Intel mobos. As you know, there are much to choose from and discounts to look for if I can time them just right. Some of the stores in my area don't really update their websites quickly enough. Oh, the case will be Antec NSK6580B.

    ReplyDelete
  115. I took one bite of pecan pie once, it was foul. Like a mouthful of sugar.

    Anyway, did you guys see the post on CB that says Discover is now pulling all three on app, like Cap One? I hope this doesn't become a trend.

    ReplyDelete
  116. U, I had not heard about Discover and its three-way pull. I could see this becoming the norm. Far too many people have inconsistent credit reports. One report might be squeaky clean while two reports have bad marks. Or two reports are in excellent condition, but a third report has a legitimate bad mark.

    Creditors just want to make sure that they are getting a complete and accurate picture.

    But not sure if more creditors will start doing this.

    ReplyDelete
  117. While it's always made sense for them to pull all three for the reasons you mentioned (surely people can't think creditors don't *realize* that bad stuff could be hiding on the two reports they don't pull), I assumed it was simply cost-prohibitive for them to do so. I wouldn't put it past the CRAs to lower subscription costs a bit to entice them to pull all three, smelling the increased vigilance in the air.

    ReplyDelete
  118. Green-eyed monster report: Sis just bought fancy new MacBook. Want to kill her. Talk me down.

    ReplyDelete
  119. Ooh! New banner!

    Reflecting the new realities of maintaining too many cards, Marcus? LOL

    ReplyDelete
  120. Ulysses, go get her!

    P.S.: For the record, I usually don't talk people down if I think there's enough justification behind actions :-D

    ReplyDelete
  121. It's def an appropriately bleaker banner.

    ReplyDelete
  122. Azntg, ha! Nah. But I do like the bleaker look of it. It reflects this environment well.

    ReplyDelete
  123. azntg: Consider her a$$ dead. Right after I wrest said MacBook from her grip. Thanks for your valuable input. heh

    ReplyDelete
  124. OK, so now we know: Talk of killing sibling=threadkiller. Duly noted for future.

    ReplyDelete
  125. You changed the banner at the top of the page. Is there any back story?

    ReplyDelete
  126. No back story, FLT. I am actually having five banners created. I will be rotating them often.

    ReplyDelete
  127. U, we all just had a meeting -- that's why there weren't any comments after your kill comment. Haha. We're not going to turn you in. We voted. :)

    ReplyDelete
  128. Awww, you guyyyyyyyys... *blush*

    ReplyDelete
  129. Haha, I couldn't possibly vote for "Turn Him In" after I nudged him in that direction!

    ReplyDelete
  130. azntg, no worries. We had you for potential "solicitation." You'll be relieved to know that we're not turning you in either. :)

    ReplyDelete
  131. aztng, aren't you also in Queens? Hmm...

    ReplyDelete
  132. But did he ever meet Martin Luther the King?

    ReplyDelete
  133. Ulysses, teleconferencing bridges some of the distance gap... though I was suspicious when I thought I was disconnected rather prematurely. Now, I understand why!

    ReplyDelete
  134. "Ya know, Sweets, I met Dr. Martin Luther King once."

    "You lyin'! You ain't never met Dr. Martin Luther King."

    "Yeah, I met Dr. Martin Luther King in 1962 in Memphis, Tennessee. I'm walkin' down the street, mindin' my own business, just walkin' along, feelin' good. I walk around a corner. A man walk up, hit me in my chest, right? I fall on the ground, right? And I look up, and it's Dr. Martin Luther King! I said, 'Dr. King!' He said, 'Oops, I thought you was somebody else.' "

    "Aw, man, you lyin'. You ain't never met Martin Luther, the King!"

    "Knocked the wind outta me! Yes, he did!"

    "No, he didn't!"

    "Yes, he did!"

    "No, he did not!"

    ReplyDelete
  135. Just wanted to share with you all my favorite commercial:

    http://mefeedia.com/entry/headphone-wall-j-r-commercial/13442969/

    ReplyDelete
  136. The funniest part of that commercial is when the lady walks by. She's like What the....

    ReplyDelete
  137. I laugh like a hyena every time this comes on. It can't be as funny as I think it is. It just can't.

    ReplyDelete
  138. I watched it two days ago. My wife is miffed that I think it's so funny.

    ReplyDelete
  139. CM:

    Did you see the Duke Brothers (Trading Places) cameo in Coming to America?

    Saw the movie in the theater. That part got some of the biggest cheers from the audience when we realized who they were.

    ReplyDelete
  140. Yeah, Vibe. I figured that they were going to have a Trading Places II. But then one of them died. That killed that. :)

    ReplyDelete
  141. Thanks, Trev (TrevorHere?). Not quite there yet, but getting close.

    ReplyDelete
  142. If you missed last night's Frontline program about the financial meltdown, you can view it here:

    http://www.pbs.org/wgbh/pages/frontline/meltdown/view/

    ReplyDelete
  143. Regarding my last comment, that was TrevorHere.

    Nice to see ya, Trev. Come around more often.

    ReplyDelete
  144. Yes sir. Been really busy with new biz. It's a good thing in this economy. Not everyone is running scared, thank God :)

    ReplyDelete
  145. Glad to hear that things are going well. What biz are you in now?

    ReplyDelete
  146. The parent company is marketing. But inside that are several disciplines, promo, incentive, hospitality, travel etc. Always something new...

    ReplyDelete
  147. Sweet. Are you providing a product that my readers might be interested in? Any discounts available? LOL.

    ReplyDelete
  148. There, maybe this will be less confusing to some readers :P

    ReplyDelete
  149. Hmmm. Netflix is recommending to me National Lampoon's 2006 movie, "Pucked." Here's the description:

    "Jon Bon Jovi stars as Frank Hopper, a lawyer down on his luck who hatches a scheme to finance a women's ice hockey league with hundreds of credit cards. But when his plan backfires, he finds himself on the wrong side of a lawsuit being prosecuted by his girlfriend's jealous ex (Cary Elwes). Can Frank redeem himself by launching a successful defense? This slapstick comedy with slap shots also stars Estella Warren and Nora Dunn."

    It seems perfectly reasonable to me to finance a women's ice hockey league (or any other shaky enterprise, really) with hundreds of credit cards. I'm going to treat this film like a do-it-yourself documentary, which it probably is anyway.

    ReplyDelete
  150. What's wrong with a Macbook? The newest ones are quite impressive in design and quality.

    My main PC blew out its BIOS in December and refused to load. Well, the BIOS on the Asus mobo had been flaky for years but I only reboot about once a year so I didn't give it much thought. Probably should have. I needed to get a project out ASAP. Building a whole new system was out of the question. Takes about a month to build and get a system like mine running.

    So, I looked at laptops. Dell & Lenovo both had shipping delays > 1 month on their laptops. Looked at the local stores, wasn't impressed at all by any of the laptops available for sale. All of them came with Vista.

    Wandered over to the Apple store. Bliss. They're all running BSD. Grabbed a Macbook, put VMWare Fusion on it and in < 15 mins I was back up & running my old system as a virtual computer on there. The Macbook w/VMWare ended up being about $500 cheaper than the equiv. Dell & Lenovo models as well. Overall, very very happy with it.

    Pros: Great design + great quality. It feels absolutely solid. Great OS, glass touchpad is the best I've used. I normally hate touchpads. This is the first laptop I've not hooked up an external rat to. Built-in webcam very good, esp. for teleconferencing. Time Machine backup is rather slick. Runs ice-cold.

    The downsides? No firewire port, limited expandability, screen could be higher resolution, can't replace my PC.

    I ended up soldering in a new EEPROM onto the mobo of the PC so now it's back up & running. I now run both systems at the office. Mac gets the majority of the work, PC gets all of the work the Macbook doesn't have the hardware or software for.

    I would have liked to replace the PC with a Mac but Apple just doesn't make anything powerful nor expandable enough to replace the 6 year old PC. I'm NOT buying two Mac Pros to replace a 6 year old PC. Sad. I've not checked the PC side yet to see if there's anything stock that'll handle it. I'm assuming there probably isn't, which means I'll end up having to find something close, break out the soldering iron again and whip up a new custom computer. Also depends on if MS releases a good OS soon. I refuse to use Vista and have a tough time justifying the installation of a 7 year old OS that is due to be discontinued (XP) on a brand new computer.

    RE: Cash back cards. Don't forget the Costco Amex. Free if you have a Costco membership. Or you can view it as a free Costco membership w/annual fee for the Amex. :) 3% on all restaurants and gas station purchases, 2% on all travel, 1% on everything else. Cash back reward is issued as a check in the Feb statement.

    Also, if you don't mind getting bennies back in hotel nights and air miles, the Starwood Amex is about the best out there. If you play it right you're getting ~4-5% back

    ReplyDelete
  151. If I ever get another Amex card it will likely be the Starwood card. I like Starwood properties. Seems like a no brainer.

    ReplyDelete
  152. If you like 'wood, it's the way to go :)

    ReplyDelete
  153. Trevor, I think so. I just got a platinum preapproval offer today. No need for that card at this point. I will revisit it this summer.

    ReplyDelete
  154. For those who might not know, Trev has been one of the bigger influences on me in terms of credit and credit education.

    Good guy Trev.

    ReplyDelete
  155. First, that commercial is awesome. Second, U, if you kill her - I want the Macbook. I officially hate everything Vista and Vista related.

    ReplyDelete
  156. Oh and can ANYONE tell me why Vista wont let me print?!? On any printer?

    ReplyDelete
  157. Trev, just signed on to my Amex account. There is a *wood preapproval sitting there. Must refrain. :)

    ReplyDelete
  158. CM,

    U @ February 18, 2009 10:01:00 AM EST is jealous of sister's fancy new Macbook.

    ReplyDelete
  159. Thanks. Was wondering about that. So U wants a Macbook, too.

    ReplyDelete
  160. In the evening I will move this blog entry to the top of the site. Seems to be a popular thread. Who knew!

    I blame Ulysses.

    ReplyDelete
  161. Yep, I admit I was a Bad Influence on CM.

    How long do you think you can refrain from *wood? :P

    ReplyDelete
  162. I'll likely apply after I graduate from school.

    ReplyDelete
  163. Couldn't stop thinking about Coming to America. Man, what a blast that movie was!

    A man goes into a restaurant. You listenin'? A man goes into a restaurant, and he sits down, he's having a bowl of soup and he says to the waiter, waiter come taste the soup. Waiter says: Is something wrong with the soup? He says: Taste the soup. He says: Is there something wrong with the soup? Is the soup too hot? He says: Will you taste the soup? What's wrong, is the soup too cold? Will you just taste the soup?! Allright, I'll taste the soup - where's the spoon?? Aha. Aha! ...

    ReplyDelete
  164. I think Coming to America is the official movie of CMB.

    ReplyDelete
  165. Lion, what makes you think I'm going to kill my sister and then let anyone else get their grimy paws on the resultant ill-gotten gains?! That MacBook is MIIIIINE.

    If only. *sigh*

    ReplyDelete
  166. Sean thought you might not like Macbooks. Now we know you actually covet them.

    ReplyDelete
  167. Bob Wang, now that PFICO is dead, what are you going to do with your blog?

    ReplyDelete