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IndyPoolPlayer

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About IndyPoolPlayer

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  1. I'm also on my neighborhood's HOA and this year and campaigned elected appointed drew the short straw to be President. Our annual fee is only $200, and our attorneys won't pick up the collection until it hits $1000, so five years. We hit two homeowners that owed each over $10K - never paid a dime in about 15 years of living in the neighborhood - one (IMO) abused BK laws by continually filing and dismissing, the other set up a irrevocable trust to supposedly shield themselves from liens.
  2. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no
  3. That's a fair bit of cabbage for Uncle Sam. I wonder how much was made on the purchase and subsequent sale of GM stock? never mind don't answer that. ETA: Found one possible in the CNN article linked by CV - PBGC? I thought PBGC already took over the pensions of "old" GM and "old" Chrysler??
  4. Just going by what is happening in this area - I'm thinking a repeat of the meltdown of 2010 happening within a year or two. You know dam well there's boocoo of mortgages with a pin stuck in them from COVID-19 and as soon as that pin is pulled that FC and eviction grenade is going off. Has COVID delayed the inevitable? Yep. A co-worker is in the market for a house and I rather flippantly quipped "Are you paying with cash?" ... she mentioned losing out on two houses because of cash offers. Then she says "But I have a mortgage pre-approval!" ... cash always outranks a mortgage buyer.
  5. How on earth did you manage to ring up 70+ inquiries on EQ and TU?
  6. Interesting this ... now that my vehicle loan is paid off, seems according to FICO 8 (standard) I'm 29 points less desirable based upon EX and TU CRA data. Comparing January (car loan open) with 830 (+-5) to February (car loan PIF and closed) with 801 (+-5). FICO 8 Bankcard Option (via Citi) shows no change between the two months at 830/850. Revolving <1% (not zero or "two dollar") - about $300 in revolving balances between the two months on both CRs. Between $200 to $400 seems to be what reports. For science I need to get to zero dollars reporting and note the effect.
  7. You have one tax-deferred retirement account (the 403b) and a post tax retirement account (the Roth IRA). You can't commingle the accounts without paying some sort of penalty. Well, I suppose you could move the Roth to the 403b and take a one time writeoff of taxes (consult a tax pro on this). I'm not a fan of annuities because as Ken Fisher once stated they are good for the investment firm but not for the investor. There's talking heads who claim you should only do Roth IRAs because taxes will double/triple/quintuple by the 2030's. I don't buy into that, besides we're supposed to
  8. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no t
  9. I didn't follow that series close enough to understand this either.
  10. Nice!! I wish I still had my card from 1989 (it was with a local Indianapolis S&L whose M&A chain [Local S&L -> Summit Bank (Ft. Wayne) -> NBD -> First Chicago -> Chase]. In the early 1990s I followed bad advice by a local radio talk show Dave Ramsey wanna-be who at the time said you should only have one credit card, and if you get a new one close out the old one. A few years later I learned the hard way that guy was a total idiot.
  11. Welcome to Creditboards! We hope that you find what you're looking for here. Some helpful tips: Your post may not get a reply right away. Don't be discouraged, this is a very busy board. If it falls off of the first page, feel free to reply to your post yourself, with the word *bump* in the text. This will *bump* your post back up to the top of the board. If you haven't yet, take a peek at out Newbies Section. Everything that you need to know is in that forum, for the most part. It's a lot of reading, we know, but this credit stuff can have a steep learning curve. In no t
  12. Wrong. Wrong. If your Chex is frozen, you can be denied due to a frozen report. That also goes for any of the Big Three if a creditor uses one of the CRAs for its decisions. Though creditors can and do pull data from any or all of the Big Three, they are under no obligation to do so.
  13. Must be. Mine was right below the blurb about the $40 late payment fee.
  14. We're only down to age 65 for general public. FR's and some medical staffers have received it. There was a bit of a kerfuffle over extended care facility staffers receiving it.
  15. If she'd be interested in a twice divorced Midwestern 50-something tell me where to meet her ...
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