Archive for June, 2009
by Jennifer Star
June 30th, 2009
just like to know if i need to book in Advance or can i book when i get there as i dont have a credit card and i would need to pay cash
You really should book in advance if you want to be sure you’ll get to experience Discovery Cove. This is taken straight from their website:
"Since Discovery Cove limits attendance to only 1,000 guests per day, it is highly recommended you make a reservation for your visit. Also, if you are planning on visiting during the summer or near a holiday, you should book your reservation at least two months prior to your intended visit to ensure availability as these timeframes tend to book early. Once you have made a reservation, you simply check in on the date of your visit. All you need is your name, confirmation number, and a photo ID for those guests over the age of 18."
by Jennifer Star
June 30th, 2009
i want to get the best credit card that is available to me at the cheapest price. i want to do research before i start so that i know exactly what the conditions are. for example, that the interest rate i’m paying is the cheapest. i am extremely overwhlemed by all the options and pitfalls with getting a credit card and want to know a website or independent company that can help sort out the info to get the best deal ? thanks
All credit cards are designed to get you into debt and keep you in debt.
All credit cards can raise you interest rate for any reason.
All credit cards have outrageous late fees and over the limit fees.
Get a debit card instead. It will do anything a credit card can do except get you into debt.
by Jennifer Star
June 30th, 2009
I used to use the Free Companion ticket from Amex Platinum but they discontinued the plan. Now, I’m looking for another credit card that would offer it to me.
I have the Citi Platinum Premiere Pass elite, and supposedly they offer something thru Spirit Incentives, but I have never heard anything about them.
I also have the following cards. Amex Starwood, Discover Card, Chase Freedom.
Thanks!
I haven’t seen one of those in a long time.
by Jennifer Star
June 30th, 2009
such as cashplus prepaid, The Virgin Prepaid MasterCard, not sure what the point to them over a debit card.
The first 2 posters are incorrect.
The ONLY prepaid debit card that claims to report on credit because the monthly service charge is treated like an installment account is Eufora. Also, the UltraVX card is the first prepaid debit and secured credit hybrid card. I’ve posted links to both of these to support my findings.
by Jennifer Star
June 30th, 2009
I started seeing two wealthy older men at once (coincidentally met them within weeks of one another). They are both nice and purely for fun (I don’t have any intention of settling down with either, and neither with me), but I am a one-man girl.
Now, one of them is very rich, spoils me really well (as in he’s let me blow £1000s with his credit card), but he is less fun. The other earns less in comparison, spoils me to a lesser extent (as in probably pops the odd bottle of Crystal and purchases a few designer pieces for me) but he’s more fun to be around. Neither of them are ever around much. I want to choose one and let go of the other but am having a tough time deciding which. I like them both, but don’t plan on staying with either for the long term (it’s just a bit of fun, both of them are aware of that so I’m not going to break any hearts). I’m torn between getting pampered for as long as the money flows vs just having a good time with comparatively less spoiling in tow. I’ve been trying to decide for almost a week now. Which one should I choose?
i think theres nothing wrong with what youre doing. you arent deceiving anyone or committing some crime against morality. you have let them know of your intentions and that youre not in a place in your life to settle down. it doesnt sound like youre having sex with either of them so that prostitute thing is irrelevant. youre a grown woman who has made her intentions clear and trying to decide which man to choose. nothing wrong with that and it doesnt reflect any improper way of life on your part to anyone unless theyre self righteous conservatives.
people always seem to find it hard to believe that a girl just wants to spend time with people and doesnt want to marry them! its ridiculous. people just cant stand to see woman enjoying herself. youre not going to love every guy youre in a relationship with and youre not going to have a future with all of them either. jesus people what century is this? lol okay im done with the rant.
just think about what you want in your life right now? do you want a good time or nice things? there are pros and cons to each.
the wealthy man can probably expand your world and experiences. the broke dude can make you laugh and give you a great time.you pick.
by Jennifer Star
June 30th, 2009
I am curious to know how much start up money would be needed to start a small Credit Card Company. I am interested in extending credit with Secured Credit Cards with low limits for individuals looking to establish or re-establish credit by a secured credit card. Also I have thought about prepaid debit cards for those in chexsystems and cannot get conventional checking accounts.
Any help?
What I mean is not to broker, but to be able to start a very small company directly.
as a broker or the one lending the money?
if a, contact lenders.
if b, you will need many millions of $.
by Jennifer Star
June 28th, 2009
I've heard that their system has changed and the pass can no longer be purchased in person at most locations. I am living in toronto at the moment so just wondering if toronto is one of those locations. I want to simply go buy it online but then I have to owe my parents the money(since i don't have my credit card).
thanks
Check out greyhound.ca. Things do change. Last I heard they sell them at Bay and Dundas
by Jennifer Star
June 28th, 2009
I need to rent a car, but don't have a credit card. i can pay cash as long as it's a reasonable price. can anyone help me?
Where could I rent from?
if you have a debit card you can use that
by Jennifer Star
June 28th, 2009
Hi,
I've heard about good habits to increase my credit rating. I'm just wondering if there is a specific credit card to have to build good credit - i.e. they frequently report to the credit agencies etc… Is Bank of America or chase freedom any good as these are the only 2 cards I have?
Thank you very much for your help.
It used to be that Capital One didn't report your full credit line amount to the credit reporting agencies. Instead they would report your balance as your available credit, so it would look like you had utilized 100% of your line of credit through them, which hurt your FICO score. However, Capital One doesn't do that any more.
So all credit cards are about equally good for building your credit; the important thing is to use them properly. My strategy is to funnel all/most of my normal spending through rewards credit cards and then pay the balance in full and on time every month. That way I build a clean credit history, avoid interest, and earn rewards.
If you're interested in knowing which rewards card will pay you the most for your normal spending profile, you can use this rewards calculator:
http://www.creditcardtuneup.com/
If you're interested in knowing the details of how your FICO score is calculated, see the June 30th posting at http://www.uthunk.com/ .
by Jennifer Star
June 28th, 2009
My old boss signed my name and submitted a credit reporting paper in my work place 8 months after I had started,Since then I had a credit report ran in Dec of this year to rent a home and low and behold from the date he signed that paper to now still, there are all kinds of inquiry from motgage lenders, credit cards, car people etc, can I find out who for sure asked for these credit ratings to be run? I have also been hit with bank fraud since then also.. I can not believe that someone can falsify a document and do this and no one can stop it… Please help
You should have done something as soon as you found out.
File police report asap. Then send a copy to the credit bureaus.
They may be able to tell for sure who had done it. With your statement of who you think it may be and also the person would have to use addresses etc to receive anything from any of the creditors.
Look over your reports for anything on there that is not yours. If you find anything, send a letter claiming they are not yours with the copy of the police report to the bureaus.