
8ball
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8ball reacted to a post in a topic: MyFako Condones this Crap
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8ball reacted to a post in a topic: Florida restaurant confronts 'dine-and-dash' customers with 'popular' new tactic
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TheVig reacted to a post in a topic: This Still Bugs Me Years Later - Wells Fargo Bank Treats Me Like a Conman
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Burgerwars reacted to a post in a topic: This Still Bugs Me Years Later - Wells Fargo Bank Treats Me Like a Conman
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MarvBear reacted to a post in a topic: This Still Bugs Me Years Later - Wells Fargo Bank Treats Me Like a Conman
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This Still Bugs Me Years Later - Wells Fargo Bank Treats Me Like a Conman
8ball replied to Burgerwars's topic in Credit Forum
I'm heading to Wells Fargo in a couple of hours to help my son close one C/D and open another. I am not anticipating this being a smooth process. 😬 -
8ball reacted to a post in a topic: This Still Bugs Me Years Later - Wells Fargo Bank Treats Me Like a Conman
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8ball reacted to a post in a topic: ‘Something to do with America?’ When asked why we observe Labor Day, these Gen Zers ‘have no clue’
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8ball reacted to a post in a topic: Squatters ravage Wyoming downtown with stomach-turning result: mayor
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8ball reacted to a post in a topic: Legendary musician Jimmy Buffett dead at 76: 'Lived his life like a song til the very last breath'
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8ball reacted to a post in a topic: New Jersey Surcharge Legislation Signed Into Law
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This must not be a big thing in MN. I almost never see a cash vs card price difference around here.
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8ball reacted to a post in a topic: New Jersey Surcharge Legislation Signed Into Law
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8ball reacted to a post in a topic: It is 98°F in the Twin Cities
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That sucks about the medication side effects 🥲. I had to go take some photos at the Pep Boys location in Lakeville yesterday. Walking around that hot parking lot I thought I was going to melt.
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Burgerwars reacted to a post in a topic: Buyers of Bored Ape NFTs sue after digital apes turn out to be bad investment
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TheVig reacted to a post in a topic: Buyers of Bored Ape NFTs sue after digital apes turn out to be bad investment
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hegemony reacted to a post in a topic: Buyers of Bored Ape NFTs sue after digital apes turn out to be bad investment
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8ball reacted to a post in a topic: Buyers of Bored Ape NFTs sue after digital apes turn out to be bad investment
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TheVig reacted to a post in a topic: Funeral scammers preying on people who’ve lost loved ones: 'Special place in hell for people like that'
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MarvBear reacted to a post in a topic: Funeral scammers preying on people who’ve lost loved ones: 'Special place in hell for people like that'
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TheVig reacted to a post in a topic: Credit card debt just broke 1T
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hdporter reacted to a post in a topic: Credit card debt just broke 1T
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I asked perplexity what the current default rate is- According to the Federal Reserve Bank of St. Louis, the delinquency rate on credit card loans for all commercial banks in the first quarter of 2023 was 2.43% . This is a slight increase from the previous quarter, which was 2.25% 1 . However, it is important to note that delinquency rates can vary by state and age group. For example, the delinquency rate on credit cards for those ages 18-29 was 8.3% in the first quarter of 2023, compared to 5.1% a year ago 3 . Additionally, according to Citi's presentation on its earnings, the current delinquency rates are 2.8% for branded cards and 4% for retail services 4 . It is expected that delinquency rates will return to "normal" levels of 3% to 3.5% for branded cards and 5% to 5.5% for retail services by early 2024 4 .
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Are 401k/IRA withdrawals considered income on a credit application?
8ball replied to Burgerwars's topic in Credit Forum
When asked to update income, or the rare new app, I use the total income from my most recent tax return. For me this is Pension, SS times 2, 401K / IRA withdrawals and income from my side gig. -
Can I Get a Loan for Real Estate Purposes?
8ball replied to Fitter12's topic in Foreclosures/Loan Modifications
If you're looking to invest in real estate, I would suggest a visit to the Bigger Pockets Forum. https://www.biggerpockets.com/ There are many products that range from conventional loans, Gov. secured loans and hard money that can all be used to buy investment properties. -
Walleye and Bourbon. 😬
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We are 2 for 2 with cars but 7 for 2 with TV sets. 🤪
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Cash offer and quick close is always the best!