try to negotiate for a lower APR before going to CCC & use the word "hardship"
Posted By: mtstudent on 2008-08-21
In Reply to: credit card - mnmt
Search Google for credit info center they have great advice there.
Try to negotiate for a lower APR yourself first.
First call and threaten to cancel, (but do not cancel if they don't help!) and that might get you a lower APR.
If that fails write or call back,you have to say the word "hardship" to them to really work with you if you are not 60 days past due...that is the magic word. Their hardship plan and CCCS looks the same on your credit report, at least you control it by doing it yourself.
HTH :)
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Negotiate lower interest rates on your credit cards
It’s worth a shot, and some credit card companies might do it if you’ve been a faithful customer or you threaten to balance transfer to another card.Buy a texting plan for your cell phone. Texting has become unbelievably popular. I have no idea why, because it seems like a pain in the butt, but it’s typically 15 cents for every message you send and receive. This adds up, so better off paying $5 to $10 a month for the add-on plan if you’re addicted to texting.
I agree with trying to negotiate with the CC companies
yourself first. That's what I did. We had a medical problem and we went from paying on time for years to 90 days behind in 3 months. We wound up living off the cards...which is an absolute no-no, but couldn't be helped, and wound up with $45,000 in CC debt.
I called them all and they all have programs for hardship cases. They set up payments for you which are lower than what you would usually be paying and they lowered my interest rates again (in the good times, I was paying 9%) from 19% to 21% down to 9% again and one company even lowered my interest rate to 6%!
They automatically take the money from your account and you just have to remember to keep the money in there. Payments are much lower since they lowered the interest rate and all the cards will be paid off in 4 years.
One company did close my account, but none of the others did. I haven't used a credit card for 2 years and most of the cards I had for 10 years.
Hope this helps and good luck. There is light at the end of the tunnel.
Always negotiate and do your homework before hand!
If you do some good internet research you can find out what the dealer actually pays for the car before their mark ups. I bought a new car several years ago and took this information with me. It was about $3000 less than sticker price and I only paid a couple hundred over this base price AND they went to another state to get the car that I wanted because I didn't want to wait for one from the factory. They will push you hard so be ready to stand your ground. Also, ask them to throw in license fees, plates, taxes, etc. in the price. Many places will do this if you finance through them and some will give you a gas card for $50, free oil changes, and what not if you ask at the end. Just remember, the worst they can say is no. You will likely never see this person again. I would recommend using your own bank for financing. If you use theirs I feel they use that to their advantage and finance you the sticker price and make it more difficult to bargain.
simple word - but hate the word 'moist'
I don't think I've ever used that word other than to say I hate it!
The text is a direct quote from TMZ, word for word.
Word for word from the title to the very end.
No, it is not a word. The word is "regardless".
x
Where in lower NY?
I'm in Upstate NY and it's in the mid-70's here. I think this morning the low was in the high 50's. Brrr to you.
That is way down in lower manhattan
If you are going to South St. Seaport and are staying in Midtown, you might want to plan other things in that area while you are there. If you like Latin food, there is a restaurant called Cabana at South Street Seaport. Reasonable for lunch but expensive for dinner. It is on second floor and overlooks harbor. Also the downtown alliance has a free shuttle that takes you around lower manhattan. you get on and off at various points. http://www.downtownny.com/gettingaround/?sid=19
That way you can do Staten Island Ferry, ground zero, Brooklyn bridge, etc., and not get lost walking around in lower manhattan. It is not laid out like a grid down there and gets very confusing.
My daughter plans on going to college in NYC so we go often. Have a great time. Don't be afraid of the subway. It is a great experience. Going back to NYC in August. Cannot wait.
me too (lower NY state)
had to go out for son's teacher conference
Please not the lower back...
Hip or shoulder yes, lower back...please NO!!! So trashy...MHO, of course...good day!
I have one on the right side of my lower
abdomen, only see it in swimsuit. Really wanted one on the back of my shoulder, but decided not to get one that would show when I was "dressed up." My ex told me I could NEVER have one, so when we divorced that is the first thing I did!!!!
Lower it - 21 is too high
1. Three years is not a huge difference.
2. Most kids are drinking earlier than 21 anyway and nobody is enforcing the law when they get caught drinking under age.
3. It was 18 when I was 18 and there was not a high incidence of drunk driving or whatever reason they have for a drinking age.
4. Germany there is no drinking age and they do not have a high rate of drunk drivers (they have one of the lowest rates of any country).
5. If they are not going to lower the drinking age they should then raise the age of joining the military. Someone tell me that it makes sense that they can't drink til their 21, but at 18 years old in the military they are given guns and can use them.
Some kids will be responsible and some kids won't. I know a lot of people who are in their 20s and 30s and older who are very irresponsible when it comes to drinking - btw, I am 48 years old, not 18, 19, or 20 (and just want the age lowered) :-)
Your lower teeth
in the front ... have your gums eroded in back of the teeth as well? Mine look fairly normal in front of the teeth, but behind them (especially bottom front teeth), I can see the gums are quite receded. I have one of those little dental mirrors. I am wondering why they would be worse in the back, as I think I brush the same way there.
If the houses around you are crap, your value will also be lower than it should be.
s
She said TURKEY BACON which is much lower in sat fat, etc. sm
I did Weight Watchers for years and I'd eat something like this, if you were judiciously using the bacon/cheese.
P.S. They DO lower your minimum payment due (nm)
x
Is gas still high where you live? $2.45 to 2.90 in lower NY state. nm
s
If you suffer from lower back pain
or arthritis like me, you may want to try the SALONPAS pain relieving patch. Works great! Relatively inexpensive. Comes in different sizes. Right before it rains, I often get horrible arthritis related lower back pain problems. I put on the patch and I am able to type almost pain free. If you can not find it in your local pharmacy, your may want to look it up online. Made by Hisamitsu Parmaceutical Co. Best patch/pain reliever I have tried.
Are you going next week? I'm in lower NY state and a.m. temps have been in
s
We're like that here in lower NY today, but it's ladybugs
s
look up the lower down posts, this is a totally different story..nm
nm
Since they are in the public eye, they must do it. John Edwards is lower
xx
Take iot from a midwife (posted lower under MWMT)
that the most painful stage of a delivery is the 2nd stage! Yes, I remember that and I agree!
Lower NY state north of NYC, getting hit with sleet and ice! Few inches of it now. :( nm
s
Our little burg here in lower NY state does this, too, and the final concert is usually
s
40 degrees in lower NY state and I have my space heater ON
s
Gonna get it tonight in lower NY state. Will only be our second snow of the season. nm
s
Nada for lower NY state. Only in low 70s, cool & dry today. Woke up at 50! nm
c
Only 8 degrees in lower NY state today! Ugh..puts in a crimp in
s
I'm in lower NY state. Driving and parking in the city is atrocious. He
s
Southern here, cracklins sold in lower income stores usually
I have been at roadside stands and never smelled them cooking nor saw them but mostly you see in stores like food depot. I know of no one who uses them. I am sure that various parts of the country have other foods that could turn a person's stomach. I remember a supposed pepperoni pizza I had 1 time in Buffalo and the tomatoes on it were whole like uncooked. Yuck for that. Everyone has a yuck I am sure.
My daughter is 35 years old and has been having pain in left lower abdomen for quite some time . . .
She had a CT with oral and IV contrast and it was normal, but showed she had an enlarged uterus. Dr. called the next day and said she needs to go for ultrasound.
There is lots of cancer in the family, so my daughter is very concerned. Can any of you who have experienced this help out here. Thanks.
Is fireplace on same floor you want to heat? The heat will rise up from a lower level unless you
s
Think you can go to dot.state to get h'way conditions, but here in lower NY state, we've been
s
Last word on this, a big L
for loser!!! I saw her in interviews over the years and until she got with Stern never talked about her mother the way after they got together. I think Daniel and Annas death really ought to be really looked at, very closely. I think he wanted total control and I am glad the way it worked out, but then never thought any differently.
In a word...
I do believe in miracles!
We don't use the W word here.
This is the Gab board.
There are other boards for lecturing about work, and if that's your thing, then this isn't your board.
More you can do to get the word out
Please pass the word along .... This toy, the Pimple Ball, has a single hole and a bell inside. It is made in 3 sizes. The dog gets the toy in the mouth, a vacuum effect is created because there is only 1 hole. If the vacuum is not broken immediately, vascular flow to the tongue starts to be impacted. The more force applied to remove the ball, the more stuck it becomes. If unsupervised while playing, the dog can reach a major state of distress before anyone realizes what has happened. The dog featured in this heartbreaking story is not the only animal that has been injured by this toy.
If you have a vet that you frequent, make his office aware (I emailed the info to mine). I also called our largest doy supply distributor locally, and he pulled the toy off the racks as we spoke.
I know as of 2 weeks ago there was a petition started on the web asking Four Paws Inc to recall this toy until they correct the single hole issue.
my word
For over 25 years, I have misspelled the word "this". It always comes on "sh_t". I have had to put it in my word correct key. My fingers just refuse to type THIS.
The word we should be using here is
God teaches us to be accountable one to another.
Christians are also accountable to one another. In 1 Corinthians chapter 12, we read that Christians are all part of the same body - the body of Christ - and each member needs or belongs to the other. This Scripture suggests the importance of strong accountability between Believers. It is important for every Believer to have at least one other person in which to confide, pray with, listen to, and encourage.
Galatians 6:1-2 gives a helpful principle, "Brothers, if someone is caught in a sin, you who are spiritual should restore him gently. But watch yourself, or you also may be tempted. Carry each other's burdens, and in this way you will fulfill the law of Christ." If your accountability friend has done something contrary to the Bible, you are called to confront him gently, forgive him, and comfort him. It also admonishes you to consider yourself because no one is above temptation.
Whatever, I think you just need to have that last word
so obviously there is nobody left in your little world to argue with. You really made my point with your response. IF you didn't work, there would be no savings and all the extra things that you do with your savings would be gone, so see? You DO need to work just like the rest of us. If not, then quit and give your job to somebody who does need it, that way you can sit home and do your nails and eat bon-bons. Happy Holidays to you, "Honey"
Ah, I get it - let's play WHO GETS THE LAST WORD!
LMAO!!!!
Go ahead and take your little victory for the day - I know you're just itching to.
Can't wait to see your reply - and thank you for proving me correct in advance!
LMAO!!!!!
Are we not allowed to say the D word or something?
lol! Even the new pizza hut commercial disses both Domino's and Papa Johns - have you seen it? Hysterical. Have to say that Pizza Hut does take the prize for best pizza, hands down IMO.
I'm guessing that's another word for ...sm
what my husband calls a sidewinder. Ewwww. All the males in his family do it.
I have one word for Stern
SMARMY!
The word means to
water something down, not meaning neuter. IF you have a concetrated solution, you can put water in and that would so call neutralize it. Two completely different words.
OMG pls get over yourself...one word capped...s/m
 think U should *go to bed* (your own words to that poster) and what makes you think that the poster was a *she*? Awfully assumptive of you. 
One word- groody
NM
*Alcohol* is the key word here - sm
and reeking of it is definitely a red flag. How would they get to the lake? By car? Alcohol and cars = trouble. Also, alcohol and water are a bad combination as well. If you're still on the fence about it, you could call the friend's mother and ask if the father is going or not. Chances are she's heard this question before..........
that word should be altar...duh! nm
Actually, I did ask that...plus a swear word or two.
I can have such a potty mouth sometimes...I swear, sometimes I sound like a sailor!
Anyway, back on subject here...I did ask my brother and sister in law about that and they told me she had been on the pill since she was 13!! Again, rendered me just about speechless except for the F bomb, which was all I could really manage. No apparent worries of STDs or just plain 'ol self-esteem and self-respect.
They (the parents) completely lost my respect years ago. At least the youngest out of the 3 has a chance. She sees how messed up the whole situation is and knows the key to success isn't what's in her pants. She's just staying low, staying on the honor roll, and has her sites set on pre-Vet, which is oh so totally too cool for school. She's the only one of the 3 that ever liked hanging out with me, so I take that as a HUGE compliment....either that or she really is "not right."
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