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Everything posted by tmkats

  1. [emoji38] Shhhh...don't tell Kat. shhhh... snowflakes will protest we're mocking MFF LMAO Sent from my SM-G930T using Tapatalk
  2. That can be said about many things besides food.
  3. Where's Snork when you need her?? I'm sure she would tell you it's fine and there's no harm in eating it (in her own way of course). If it was me, I would toss it.
  4. We know it's all true beacsue any good fortune 500 CEO is posting on there to spread their wealth if knowledge. Sent from my SM-G930T using Tapatalk
  5. Add me to the list of $500 increase. Hit the button Friday after having it open for 3 months. Not instant and said they need 2 business days. Logged in tonight and saw they raised it $500. I guess it's better than nothing and it didn't cost a hard so there's that. Sent from my SM-G930T using Tapatalk
  6. Still [emoji19] Sent from my SM-G930T using Tapatalk
  7. Pre-approved personal loan offer from Penfed @ 17.99% . Went to the shredder. I don't know if I should be happy they pre-approved me for something or upset that the rate was so high. Sent from my SM-G930T using Tapatalk
  8. The responses are just as hilarious!
  9. I haven't logged in in months. They are so far behind the time in username and passwords that I don't even bother anymore. I still have to use my member number to log in (which I forgot) and locked myself out and have no desire to try and log back in.
  10. tmkats


    Inquiries don't matter. Sent from my SM-G930T using Tapatalk
  11. Barclays denied with no credit pull. IIB 19 months ago. called UW, no recon possible. Nordstrom/TD Bank definitely has a BL. they also denied with no credit pull. when I called, the lady was nice until she pulled up my info and then acted like I was a pariah. Prosper isn't forever. I'm 4 years post BK and they pre-approved me with actual amounts and rates. The rates are horrible and I would never take a loan through them, but it does seem like they have forgiven me.
  12. I have to give you credit--at least you acknowledge the lying part. 22 and filed BK. Now complaining that he has to wait 10 years before it falls off. Why do I get the feeling that this won't be his last BK?
  13. I wonder what her Job really is??
  14. Nanites did their job well then. Speaking of which, have you seen Star Trek:Discovery? If not, google spore-drive and have fun. Congrats!
  15. Pasty. Not pale. Where is Thor? Chasing after his homely, pasty daughters... FTFY!!
  16. Does it look any better now that time has passed?
  17. My parents' house was built in 2013 and they have at least two choices for wired service providers. They started with Cox and now they're using AT&T/Uverse. There may even be a third choice. Same here, we have Optimum (Altice) and Verizon FIOS. I was getting robbed blind with FIOS and switched to Optimum. I have an intro rate for 3 years which I'm sure I can get renewed again if I threaten to switch. There's some downside, but the money I'm saving (almost $100 a month) outweighs the downsides.
  18. Congrats! Did You IIB them? I can't remember. Sent from my SM-G930T using Tapatalk Yes, in 2009 Interesting. 9 years and they let you back in. Good work! Sent from my SM-G930T using Tapatalk
  19. Congrats! Did You IIB them? I can't remember. Sent from my SM-G930T using Tapatalk
  20. If you only have 30 months left, refinancing into 36 months is actually going to make you pay more interest as you are extending the loan for a longer period. If you really want to re-finance, try and re-fi for a term equal to or less than your current on and see what the difference in payment is. Like mk said though, LTV is going to be a big factor in your rate. No one likes to pay interest and unless you get a 0% rate, you have no choice. Personally, I would stick with what you have and pay extra if you can to pay off the loan faster and cut down on the overall interest.
  21. It could be a she-OP and not a he-OP. Or both?
  22. That interest rate isn't great, but not horrible either. If you keep paying more, make sure that is is applied to principle so you can pay it down faster. You seem to be on the right track and re-financing may actually hurt more than help.
  23. MySpace and BB Messenger. I still vividly remember this thread and sitting at my desk hitting refresh every 2 minutes. This was some good fun. I miss all the old timers.

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