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Everything posted by Sniper762

  1. I've decided on a PLOC and pay it off in 13 months as I didn't want the util to be greater than 10% if I decided to app for another revolver. Thanks.
  2. Thank-you, what about 50% down, is that a game changer?
  3. Exactly 2yrs post BK, 15K Penfed and 4.5K Cap1 and all is good. I have an upcoming 10k purchase to make. Should I shop a card to flex out or stick with Penfed on the card, personal loan or new CC account? I have the cash to clear it just want to leverage building. Thank you
  4. Hi, Chapter 7. My circumstance was divorce, moving, loss of job and injury... I took a hit. I'm great now better than ever. I was unaware their was a hard 4 year limit on buying a house. I figured a substantial down would push me through. It wasn't something I was thinking about because I never thought I'd be doing this good. Thank-you
  5. Hello all! I'm looking to move to Florida from California because I am an avid pro and recreational diver and that's where the action is. February will be 2 year post BK, I do my banking with PenFed, Overdraft and 15k credit card. Additionally I have a 4.5k Cap one with all my fakos reporting 750 plus. I can put a third down in ballpark of the houses I'm looking at, half if I had to. Payment would be about 25% of take home. I rent in Cali. I haven't found employment there yet, it could take awhile to land at GS job at one of the many bases. Hurricane Michael has the prices still falling even tho it's 40 mile inland. Are lenders going to look at me sideways for buying something 3000 miles away? After typing this out I realize I need to leverage my current employment. Pitfalls?
  6. Never a playa here but been around a long time, Been back a few months, all good. Bummed about Breeze. I'm truly thankful for CB making parts of life better. Have a great day
  7. I heard if you play your cards right you can get free airfare and camping to those destinations.
  8. I need to go do something else pretty soon. Looking for a solution to gracefully exit a lease. The other party can't carry it on but I can't carry them either. I live in Norcal and houses rent out instantly so that's the good news. Thanks
  9. Only if you are the one that got to enjoy the original tax incentives or gives you access to a commuter lane you need. Otherwise hybrids are junk compliance cars.
  10. I can't speak to the technicalities of SOL and the like. I do like a strategy tho and I prefer to sneak up on things a bit when I can. I would sell one of the house and pay off my debt and a cash position and after a few months see how your credit recalculates. Selling three, buying a new one, moving et al is allot of moving parts in a short period of time, way beyond my comfort level.
  11. I would like to find a good source(s) for the real estate market that isn't industry hype. Any ideas? Thanks
  12. I would quietly consult a lawyer. Property that is yours before the marriage should stay yours *just like all your retirement assets up until that point" and avoid co-mingling assets at all cost. She wants on the deed because she will want the money at a later date. period. Ounce you get married you enter into a loose-loose business partner arrangement. You can either be an flowers now and keep your asset to yourself or buckle in to look like a good guy only to be the flowers that looses half his equity later. It's your choice how you want to go down, you don't have a choice whether it dose or not. It's cold, but reality sucks.
  13. That is the fastest yet ugliest paint job I have ever scene
  14. New CU startup https://www.cleanenergycu.org/home/home is banking on clean energy. They are crowd funding on raising their initial money to get going http://www.worthwild.com/initiatives/71 Being a clean energy nerd I wanted to pass this along to people searching for the next budding CU to work with. Enjoy
  15. I'm ignorant of and failed to grasp the crypto currency craze. Any good reads on the topic? In the mean time going to see if I can pull up some audio books for when I'm driving.
  16. I'll be back to work in a month or so. Maybe the same company (16 years) or something new if I chose to move to FL. I was hoping sufficient down could help gloss that over. Learning.
  17. I'm actually good at managing my money and credit. Massive string of unfortunate events led to my bankruptcy. Fidelity handles my IRA so I had met with them last week to expand my footprint with them and setting aside 200k for a house. Only plan on using 100k for 25% down, I can go all in later if I chose. Location will be N Cali or S Florida. I have the time to read and research, it all happened so fast I had no time to anticipate. I'm completely ignorant of what is available to me now and need a good plan to maximize current mortgage products.
  18. Well I was discharged just under a year ago and I haven't been working due to injury but I should be back working shortly. Then quickly out of no where I inherited a huge chunk of money unexpectedly. Buying a home is now on my mind and it's been so long since I've owned I believe I qualify as first time / fha. Where do I even start on my options and angles on this project. I'm thinking of moving to Florida from California as a basic fresh start ( I love diving) Thank-you Caught off guard.
  19. *EDIT Thanks Heg, that's all i needed. Thank-you all, I have been around a long time and understand how credit works collecting some of CB's favorite tradelines to the max issued. FWIW I have two 2K rebuilders I funnel way more than limit via multiple payments per month. I can game it. Having never had or needed an overdraft LOC I never studied or paid any attention to them. I'm clueless how they are viewed when stimulating credit activity. Gut instinct tells me to leave it alone Thanks
  20. Hi all, again. In the rebuilding process and Penfed granted me a overdraft line of credit. Should I flex it to report a lil bit or just leave it alone? Thanks! X
  21. Yes separate payments for each. The car and the battery are inseparable. The insurance company only wants to pay the first lien holder and that's it. My credit union

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