TopDoggy

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If the intent is making money, then you must specialize, a four year education is usually not enough. But I think education is very important because it places you on a small platform with a large pool of potential beneath you at all phases of your life, it allows you flexibilty and oppourtunity and regardless of the occupational situation you usually command the upper tier of a pay grade. All things being equal people with college degress excel more in society then without, period.

Japanese cars are overvalued and overprice IMO, when you compare them to their Euro counter parts. For me their tier structure to get additional features that really should be standard in this day and age has always bugged me, when German auto makers include many more luxuries in their base price points.

I am about to attend law and have inccured about 20k in udergraduate debt. Me paying half the tuition out of pocket with my company reimbursmant plan. It's sad that there are fewer and fewer lucrative careers out there that justify and four year education. I know many people who have concentrated on very narrow career fields exempting college successfully or atleats or atleast the traditional four year route.

Just happened to me with nordstrom. Instant approval, call me to verify some info, congragulated me and told me my credit line, turned down their stupid product offer. Recieved a letter five days later and told me thanks but no thanks we can't extend you our card.

I hear you, CITI used to kick me around up and down the block for many years. But all of a sudden I have been blessed a couple of times with their top teir card in the last six months. Go Figure.

Yes I want to keep the car, I am 41 years old, and have two bankruptcies from the past (this is before I found credit boards). I got a new Toyota Sequoia at a great rate 5.74% through PENFED, put up with JackXXX husband, have three wild babies.... and I deserve that car. The house, well I'm a little tired of living near Hilton Head Island, SC so I can move back where my family is at who love me and want me to leave this husband of 12 years. I just could kick my aXX for having once in my life all this available credit...... and once again, like a spoiled child, maxing it out because I didn't care about anything but my own needs. So that's why I'm like, do I start looking down bankruptcy AGAIN.... GOD NO!! Or just pay the minimums...... Hasn't anyone here gotten into a pickle by gambling online? I guess they wont tell, but they could IM me. UGH!!!!!! The things I could have bought for $20K+ dollars or at least put the cash in my own account!! I'm sorry for all your troubles and I hope you come out well, but as of right now you need to liquify everything and anything. INCLUDING the car which is not paid for. Short of that you are just denying the inevitable BK.

I think you need to fall on your sword my friend and not worry about being lectured. The most knowlegdable and experience people will usually slap you around a little while giving you life saving financial advice. If your in that much trouble I wouldn't worry about getting your ego singed and just concentrate on the nuggets. Trust me. And Good Luck!

SOunds good.

I have a friend that to say the least, was betrayed by her ex-husband and mother as well. To make a long story short they used her SS# on different occasions to take out loans and creditcards with out her knowledege (which of course prior to CB College is no knowlegde at all in regards to credit responsibilty). But she had a great credit score and profile. Now it is trashed with collections and repos. All that being said we are on the road to recovery for her credit profile and score. What I would like some advice on is, what are some of the ways to protect your SS# or financial info once it has been comprimised already? How can we put a very tight lid on who has access to her credit info and use of it? Thanks as always.

Oh man sorry to hear that.. this is something we will definitely be keeping an eye on.

Getting up early. I have a cold coming on so I am planning on a pre-emptive strike with Thera-flu.

Certificate Specials Minimum Balance APY* Dividend Rate 9 Month Certificate $1,000.00 5.25%</STRONG> 5.150% 15 Month Certificate $1,000.00 5.60% 5.490% Savings & Checking Minimum Balance APY* Dividend Rate Member Savings & Vacation Club $0-$499.99 0.00%</STRONG> 0.000% $500-$4,999.99 0.25% 0.250% $5,000-$9,999.99 0.25% 0.250% $10,000-$24,999.99 0.50% 0.500% $25,000+ 0.65% 0.650% Kids' Count $0-$499.99 0.25% 0.250% $500-$4,999.99 0.25% 0.250% $5,000-$9,999.99 0.25% 0.250% $10,000-$24,999.99 0.50% 0.500% $25,000+ 0.65% 0.650% Premier 10 Checking $0-$499.99 0.00% 0.000% $500-$9,999.99 0.50% 0.500% $10,000+ 0.75% 0.750% Plus Checking 1.00% 1.000% Holiday Club 0.50% 0.500% Traditional Money Market Account $0-$499.99 0.00% 0.000% $500-$1,999.99 0.25% 0.250% $2,000-$19,999.99 1.00% 1.000% $20,000+ 2.50% 2.470% Money Market Plus Account§ $35,000+ 3.15% 3.110% Money Market Ultra Account§ $75,000+ 3.40% 3.350% </STRONG>*APY = Annual Percentage Yield. Rates are subject to change without notice. Deposits are insured up to $100,000 by the NCUA. § Should the balance fall below the ones listed, the interest rate will become 0.00% APY. Open an Account </STRONG> Certificates of Deposit and Individual Retirement Accounts Minimum Balance APY* Dividend Rate 3 Month Certificates & IRAs $500-$19,999.99 2.50% 2.480% $20,000-$49,999.99 2.75% 2.720% $50,000+ 3.00% 2.970% 6 Month Certificates & IRAs $500-$19,999.99 2.75% 2.730% $20,000-$49,999.99 3.00% 2.980% $50,000+ 3.25% 3.220% 12 Month Certificates & IRAs $500-$19,999.99 3.00% 2.970% $20,000-$49,999.99 3.25% 3.210% $50,000+ 3.50% 3.455% 18 Month Certificates & IRAs $500-$19,999.99 3.50% 3.455% $20,000-$49,999.99 3.75% 3.700% $50,000+ 4.00% 3.940% 24 Month Certificates & IRAs $500-$19,999.99 4.00% 3.940% $20,000-$49,999.99 4.25% 4.180% $50,000+ 4.50% 4.430% 36 Month Certificates & IRAs $500-$19,999.99 4.00% 3.940% $20,000-$49,999.99 4.25% 4.180% $50,000+ 4.50% 4.430% 48 Month Certificates & IRAs $500-$19,999.99 4.05% 3.990% $20,000-$49,999.99 4.30% 4.230% $50,000+ 4.55% 4.470% 60 Month Certificates & IRAs $500-$19,999.99 4.60% 4.520% $20,000-$49,999.99 4.85% 4.760% $50,000+ 5.10% 5.010% Certificate of Deposit Only Minimum Balance APY* Dividend Rate 13 Month Step-Up Certificate $2,500-$19,999.99 2.75% 2.720% $20,000-$49,999.99 3.00% 2.970% $50,000+ 3.25% 3.210% 25 Month Step-Up Certificate $2,500-$19,999.99 3.50% 3.455% $20,000-$49,999.99 3.75% 3.700% $50,000+ 4.00% 3.940% 37 Month Step-Up Certificate $2,500-$19,999.99 4.00% 3.940% $20,000-$49,999.99 4.25% 4.980% $50,000+ 4.50% 4.430% 20 Month Jumbo Cerftificate $75,000+ 4.35% 4.280% Individual Retirement Accounts Only Minimum Balance APY* Dividend Rate Advantage IRA Accumulation Account 1.00% 1.000% *APY = Annual Percentage Yield. Rates are subject to change without notice. Non-IRA deposits are insured up to $100,000 and IRA deposits up to $250,000 by the NCUA. Open an Account Back to Top Loans Prime Rate is 8.25% Consumer Loans Term Annual Percentage Rate** New Auto 36 mos. 4.49% 48 mos. 4.99% 60 mos. 5.24% 72 mos. </FONT>5.49% Used Auto</STRONG></SPAN> 36 mos. 4.99% 48 mos. 5.24% 60 mos. 5.49% New RV/Boat Up to 5 years 4.99% 6 years 5.99% 7 years 6.99% 8 years 7.99% 9 years 8.99% 10 years 9.99% 11 years 10.99% 12 years 11.99% Used RV/Boat Up to 5 years 5.49% 6 years 6.49% 7 years 7.49% 8 years 8.49% 9 years 9.49% 10 years 10.49% 11 years 11.49% 12 years 12.49% Signature Loan up to 60 mos. 9.95% Ready Loan 12 mos. 12.00% Visa Platinum 9.95% Visa Gold SC & Select 12.95% MasterCard 14.95% FlexLine (adjusted quarterly) Prime + 5% 13.25% Shared Secured 5.00% over the Rate Certificate Secured 3.00% over Certificate Rate **APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay). Credit Card rates are subject to an increase to 18.00% if the account becomes 61 days or more delinquent. Apply Now Home Equity Rates Term APR** Home Equity Loan 5 Years 5.24% 10 Years 6.24% 15 Years 6.74% Equity Exchange Line of Credit finance 80% or less Prime Rate 6.25% finance 81-90% Prime Rate +1% 7.25% **APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay). Equity Exchange Line of Credit Rate includes a 2.0% discount for the first six months. Apply Now Mortgages First Mortgages Points Rate APR** 30 Year Fixed Rate 0 6.250% 6.2530% 1 6.125% 6.1280% 2 6.000% 6.0030% 3 5.875% 6.8780% 20 Year Fixed Rate 0 6.125% 6.9580% 1 6.000% 6.9270% 2 5.875% 6.8955% 3 5.750% 6.8640% 15 Year Fixed Rate 0 5.875% 5.9580% 1 5.750% 5.9270% 2 5.675% 5.8955% 3 5.500% 5.8640% 10 Year Fixed Rate 0 5.875% 5.9580% 1 5.750% 5.9270% 2 5.625% 5.8655% 3 5.500% 5.8640% **APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay). 5% downpayment required except on 2 family (10%), 3-4 family (20%). Cash-out refinances between 70.01% and 80% LTV add 0.50% to the posted rate. Cash-out refinances between 80.01% and 85% LTV add 0.75% to the posted rate. Apply Now </STRONG>First Time Homebuyers Points Rate APR** Flex 97 - 3% Downpayment Required 0 6.500% 6.5030% *100% Financing 0 7.000% 7.0030% H/E Term 15 Years 6.740% 6.7400% **APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay). Apply Now Jumbo Rate Mortgages Points Rate APR** 30 Year Fixed Rate 0 6.750% 6.7800% 20 Year Fixed Rate 0 6.625% 6.6280% 15 Year Fixed Rate 0 6.375% 6.4615% 10 Year Fixed Rate 0 6.375% 6.4615% **APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay). Jumbo Rate Mortgages - Single Family Loans Over $359,650.00 (10-20% Downpayment Required). Apply Now Adjustable Rate Mortgages (ARMs) Points Rate APR** 1/1 Year 0 5.250% 5.3305% 1 5.125% 5.2955% 2 5.000% 5.3530% 3 4.875% 5.1335% 3/1 Year 0 5.625% 5.7075% 1 5.500% 5.6745% 2 5.250% 5.5415% 3 5.000% 5.3530% 5/1 Year 0 5.875% 5.9580% 1 5.750% 5.9270% 2 5.625% 5.7685% 3 5.500% 5.6085% **APR = Annual Percentage Rate. Rates may vary and are subject to change. Rates are based on our reflective-based pricing program. The above disclosed rates are the lowest available to members that make automatic payments (AutoPay). Adjustable Rate Mortgages - Requires 10% Downpayment. Apply Now Investment Property Points Rate APR** 30 Year Fixed Rate Only 0 7.750% 7.7800%

Okay this is the participating membership list. You must belong (or family) to one of these listed below: function makearray(n) { this.length = n for (var i = 1; i = 0) { document.write(year); } else { document.write(1900 + year); } pos++; continue; } pos++; // ignore the char } } } } } } } } } } } } October 3, 2006Participating Organizations 39 Winger Avenue, LLC 223 Clinton St., LLC 322-24 Plymouth Properties, LLC 352 Seventh Street, LLC 401 Adams Street, LLC 1034 Willow Ave., LLC ABC Limo Company AccesSecurity, Inc. Accurate Web, Inc. Adolf Zlotchenko AE & W Trans Corp. Aharony Taxi Corp. Alante Security Group, Westbury, NY Allstates WorldCargo Inc. Anthony Inikori Applied Graphics ARAMARK- Leesburg, VA Association of Graphic Arts Audio Toys, Inc. Autostar Funding LLC B.Z. Gastrointestinal, PA Belting Industries Benjamin Chu Brothers Paving and Concrete Corp. Budget and Credit Counseling Services (BUCCS) Canteen Service, VA, Northport Cardinal Type Service (Unidigital) Center Weather Service - ARTCC, Nashua or Ronkonkoma Chiquita Brands City of Newark Employees CJ Cab Corp Colahan Saunders Colombella Inc. Comply Inc. Compunnel Software Group, Inc. Computershare Investors Services Conrail (Boltz) Conrail (Carnevale) Contractors for FAA & TSA COSTCO, Leesburg, VA Credit Union Affiliates of New Jersey (formally NJCUL) Crescent Lighting Criminal Investigation Division (IRS): NY or Newark, NJ CUNA Mutual Ins. Co. (Employed in NJ) DEA-1100 Raymond Blvd. Department of Homeland Security, Bureau of Customs and Border Protection (Region II) Department of Homeland Security, Bureau of Customs and Border Protection Plant Quarantine Division (Region II) Department of Homeland Security, Bureau of Customs and Border Protection located at 1 Penn Plaza, NY, NY Department of Homeland Security, Bureau of Customs and Border Protection-1100 Raymond Blvd. Department of Interior (JFK) Department of Justice (JFK) Department of Transportation, Valley Stream, NY Department of Treasury, IRS: Several NY locations Depository Trust Co. DHS-CBP-Agriculture & APHIS, PPQ employees located in Jamaica, NY DHS-CBP-Agriculture & APHIS, PPQ-Jamaica, NY Dieufort Rock Directors, Managers, Employees, Committee Members, etc. of NJ Credit Unions ePresence Solutions (formerly Strategic Network Systems) Epstein, Epstein, et al. Executone & Subsidiaries Extreme Auto Sales FAA, Burlington FAA, Eastern and Northeast Regions FAA, Great Lakes Region FAA, JFK FAA, Leesburg FAA, Murphy Drive FAA, Nashua FAA, Ronkonkoma FAA, Tracon FBI (JFK) Ferguson Electric Co., Inc. Fink Rosner Ershow-Levenberg, LLC First Place Properties, LLC Foley Graphic Center General Services Administration (JFK) Genlyte Union Gilberto Chong Graphic Enterprises Inc. Habats Hadas and Sons Corp. Harbans Lal Haynes Security-JFK Airport Head Start - ICCC Integrated Media Management (IMM) International Institute for Learning, Inc. IRS, Dept. of Treasury: Bronx, NY, Richmond, Rockland & Westchester Counties, NY IRS: NYC JFK: Military Liaison Offices Jean Jean-Pierre/Marie Jean-Pierre Jose F. Pimentel Kamaljit Singh L.A.M. Enterprises, LLC LaMonica, Herbst, & Maniscalco, LLP Lark Transportation Corp. LDDS Communication/ EDB Commn | Local 153, OPEI, NY Local 262 Intl. Br. Electric Workers Local 300, National PO Mail Handlers, Watchmen, Messengers & Group Leaders Local 675 Intl. Brotherhood Electric Long Island Development Center Lucy Hacking Corp. MCI Employees M&R Marking Malkiat Singh Maria's Saloon, Inc. Marion P. Thomas Charter School Members and employees of Mount Elgon Foundation USA, Inc. (Mefusa Inc.) Members of National Union of Chiropractic Physicians, Local No.64 OPEIU. AFL-CIO Members of NJ Assoc. of Plumbing-Heating-Cooling Contractors, Inc. I.E.: Jack Dolan & Sons Metran Funding, Inc. Metro Creative Graphics Mohammed M. Uddin Mutual Engraving National Transportation Safety Board Nassau Asset Management New York Technology Partners NJ Transit Corporate NJ Transit Non Agreement Employees (Work in or are paid from Maplewood, NJ) NJ Transit Rail NJ Transit: United Claim Association Claim Dept. (Newark, NJ) NJCUL Employees Omni Mail, Inc. Paulema Valcin Packard Press New England Inc. Park Realty, LLC Pead Cab Corp. Plitt Ford Lincoln Mercury Inc. Port Funding Inc. Port Funding LLC Potomac Graphic Print & Peel Professional Service Group Rachita Cab Corporation Red Bull Taxi Inc. ROP Color Sagamore Children's Center Sam Jelen Shabbir Hussain / Mohammad Alyas SIAC SEC Ind. & Automation Silvania Trans Corp. SITA-Equant, SITA Airport Services (formerly LJS) Smart Source Technologies Stonco Suffolk County Airport: 106th Air Transport Group Suffolk County National Guard Sujan Singh Summerfield Avenue, LLC Summit Industrial Hardware, Inc Sunko Properties, LLC Syed Rahman TFN Services Inc The Phipps Press The Resource Corporation of Long Island Third Coast Guard District Employees Tot's & Blocks Nursery School Township of Clark Employees Township of Linden Employees Township of Scotch Plains Employees Township of Westfield Employees Tony Norng Transportation Security Administration (TSA): Eastern, New England & Ohio in the Great Lakes Regions Transportation Security Administration (TSA), JFK Airport Transportation Security Administration (TSA), LaGuardia Airport Transportation Security Administration (TSA), MacArthur Airport Transportation Security Administration (TSA), Newark Airport Transportation Security Administration (TSA), Westchester Airport Triple P-264 3rd St. Triple P-372 2nd St. University Graphic US Court of International Trade (formerly US Customs Court) US Courthouse and Federal Building in Central Islip, NY US Customs and Border Protection located at ONe Penn Plaza, NY, NY US Customs, Plant Quarantine Division (Region II) US Department of Agriculture located at JFK Airport US Environmental Protection Agency: Edison, NJ US Equal Opportunity Office-NY District Office US Government Employees of #6 World Trade Center, NY Veterans Hospital (Northport, NY) Volunteers Veterans Hospital (Northport, NY) Employees Veterans Industries/VAMC Veterans of the Vietnam War, Chapter NY14, employees and members Victoria’s Superpremium Inc. Vintek Weston Group Benefits (formally BenefitPort Northeast) Whole Foods Market, Boca Raton, FL Whole Foods Market Inc: Northeast Region William Charles Printing Co.

They pull Transunion I'll check on membership requirment. I'm a bonded federal employee that is how I got in, but let me check the restrictions. I don't think it is hard at all.