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About Zanshiro

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    Chaos Dragon
  • Birthday June 4

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    Martial arts, Finances, Nature, Travel, Nonprofits, Investing

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  1. Since the end of week passed, @cv91915, did you have that update?
  2. My out the box solution: Buy a cheap beater, absorb some of the miles from her lease, lower the lease's payments and get away from that method. Buy a cheap used car later.
  3. So updating the update after the mini-catastrophes, and with some life changes. While the last year and a half was going, I went back to school, finished my associate's (Business Management/Finance), and am adjusting to try and keep that plan on at least within the 5 years total of starting track. Total repairs after said flood and findings ended up around 37,000, which disgusts me, because that entire house could've likely been rebuilt for that. It makes me damn tempted to go to a trade school and learn building, honestly. CC Debt 0% floats: 37,000 currently (Yes, sadly up.) HELOC 43k Mortgage: 55.2k Student loan 0%: 2400 (Paying $300/mo to pay it off before grace period expires) Used car loan $3,400 @1.74% Emergency accounts: ~8k liquid, 17k 401k (work prime -12k of that Roth, rest standard), 12k (Robinhood, taxable 401k), 2k M1 Finance. Took a promotion at the PT job and it's now full-time, so around $800/wk as the second salary, 30% of it goes into the Roth 401k, rest goes to paydowns. Nothing like a kick in the shins while you're running a marathon, right? But yearly post for self-accountability.
  4. In the land of necroposting, because this was about this card. In my prequalification it shows: " BB&T Spectrum Cash Rewards Credit Card 0% APR on purchases and balance transfers for 12 months. 16.99% variable APR after 12 months2 3% Cash back on Gas1 2% Cash back on Utilities and Groceries1 1% Cash back on everything else1 10% Cash back if deposited in your BB&T checking or savings account1 Wait....re-read that. "10% Cash Back if deposited in your BB&T checking or savings account" I'm like...I'm sure that's just poor wording and it's like 3.10% (Rough addition mind you), and not actual 10% cash back...right?
  5. This. Typically it's someone who's aware of credit and knows they're not where they want to be. And then, of course, they expect a miracle 7% when they qualify for 18%+ Little we can do at that point, even on a special rate with a captive lender. Processing fees here have to be standard across the board to all customers if charged, so it always gives me an interior chuckle when a customer grumpily comes in having read forums and goes "That's not required by law, you can't put that on my contract" ... Well, no, it's not required by law that I sell you a car either, but here we are...
  6. Sounds like it... https://www.abc.net.au/news/2018-05-02/commonwealth-bank-confirms-loss-financial-records-20m-customers/9720928
  7. Or do you have the VIN/link? I know our prices are a lot lower in general in the DC area with the clusterducking of dealerships in this area, but with Ford's a la carte option methods, it's hard to say whether that's a good deal or not. Guesstimating in the price range you're looking at either a manual 101A with an accent package and active valve exhaust, or possibly a 101A automatic with 18" wheels...but too tricksy to tell. How long has it been sitting on the dealer's lot? Are you any of the qualifying special rebates (Military, first responder, college student or recent grad)? Do you have direct offers from Ford in certificates that add on to savings? Looks like a decent deal on both sides, as frankly, dealership will make a couple grand, you'll have the car you 'want' if that's the case. In my area: MSRP: 31,380 Disc: 2,100 Doc: 299 Tax: 1,774.74 Tags: 300 --------------- Total: 31,653.74 Rebate: 2000 (1500 + 500 select inventory) Unpaid: 29,653.74 A 100A manual would start your MSRP at about 27100. So that might be more the range you're looking for if it has to be a new Mustang? Alternately, look for a good used car. Buying a new vehicle's the fastest way to set fire to money that could be saved or invested.
  8. As a post-thought at this point, since I've been out of town a while...A lower threshold card at 0% might make more sense than a Slate too. Maybe like Barf of America's Americard 0% offer, much as I may loathe them, it works.
  9. Are you getting rid of the current vehicle you have? Or adding one to the stable? That may be a part key. Also, define "OK credit" and I might could have a better idea for you. As to the other, looking at an IL ZIP code (60106), there is no 0% offer available in that region; also ran that against the internal system and confirmed. The "Special Rate" offering does lose the $1500 in rebates. Presumably if you find a unit on the lot for a long time at a dealer who's willing to take a heavy loss on it, you could possibly get a deal with the special rate, but even with top-tiered credit, special rate in your region is 2.9% for 60 months, or 4.9% for 72. Putting in the "App for Marv" would probably help narrow things a bit!
  10. What do you project his score is? Many auto dealers will get an "automatic approval" on a higher score. Alternately, a credit union can offer solid rates. What type vehicle is it that he is looking for, etc? That plays a big role.
  11. That 91 day time. AmEx: 4,500 > 13,000
  12. Main ones I'd look at for that goal would be AmEx and Discover. Depends on her card goals, though. I always recommend prioritizing goals over aiming for pure CLI brands. If you're just looking for a CLI, for example, a store Synchrony might be better, but far less useful.
  13. After their ability to properly count your balance prior, I'm admittedly surprised that wasn't stricken from the list sooner!

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