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  1. I think your thinking about something very important. I myslelf have a new name in mind but Im waiting and every day I say it to see how it will work. I would offer to not use Gadgets as that limits you. That may be your focus now but you always have to think of growing growing growing! Dont let your name limit you! As for your website you could still use gadgets to help focus you and say you use limited you get that domain too and set it up to point to gadgets or vice versa.
  2. What is the real difference between having a Scorp and having a LLC taxed as a Scorp when it comes to the SE taxes and deductions? Is there any? Also not to throw it off but any one have opinions on using Investments in their biz name?
  3. Yea I like Vanguard funds too. Thanks for the advce all! I actually think I will have both of them and reevaluate again down the line.
  4. sorry I dont have any info for you but I wanted to say Hey!!!! long time no see round these parts!!!
  5. pryan brings an excellent point as well. If there is a concrete value on what you owe then why do creditors sell the debt for less???? If they can do it why cant you?? If a creditor is willing to take 500 from ME or the CA then they are the ones who are putting a value on it, not me. Do you have a moral obligation to pay full price on a sale item? I bet not. Just imagine your debt on sale.
  6. No the burden of proof lies with with the plaintiff, the one who brings the case.
  7. This was on the savings or the new checking accounts??? I havent experienced a pull and I just have a savings. I read briefly there were pulling accounts but i never got why.
  8. thanks. my business cannot support me yet!
  9. Also credit is a privledge not a right. So when you mess up you pay dearly for the mistake. But what happens when you mess up because like some one stated life throws you a curve? Job loss, sickness, divorce. creditors never say well you lost your job and you need to survive so well help you maintian. What do they say well your account has to become deliquent before we offer a hardship program. Based on that theory alone, settlements are fair and just in this credit game.
  10. I have an 401k in Vanguard from my old employer. My current employer uses Fidelity. Should I move my account out of Vanguard in favor of Fidelity?? I also want to start investing on my own in addition to the 401ks. Thanks.
  11. But I think the argument is how much of the 1k is really what you charged? After interest late fees over the limit fees, it just adds up. I fight with the moral issue to because I feel I should pay what I owe. But im learning that these creditors make so much money off of consumers anyway if i can get a settlement what are they really losing? Whatever I spent is being paid for numerous times over either by me or someone else. If it was all fair and moral then us consumers can say well I cant manage this credit anymore can I just pay back what I spent? Nope cant do that still have to pay interest and suffer from bad credit that makes everything else cost more. We pay for the use of the credit not for what we actually use. I think its fair to say if we really sit down and figure out was was actually charged it would be closer to what you settle for anyway.
  12. Congrats! Was it a paid tax lien? How did you dispute it? I have one thats been paid but I would like it gone.
  13. I didnt read everything fully, but I see they ask for your SS# in addition to you tax id. Wonder if they would still pull if you already have an account.
  14. Got the info in an email and went to the site for the info business dot ingdirect dot com Looks like the rate is higher for the business then on the personal.

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