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Messages - moishe1

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16-year-old nephew flying alone for the first time on the flight. Originally started from Israel (stopped in YYZ and suppose to go to Newark. now its getting redirected to YYZ. he's gonna be alone for the night so trying to find someone there to help out. 

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Credit Cards / Re: Credit card debt
« on: October 24, 2018, 08:46:22 PM »
As Dave Ramsey would say "downgrade your cars".

It's downgraded already :)

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Credit Cards / Re: Credit card debt
« on: October 24, 2018, 04:58:39 PM »
Balance transfer shouldn't do too much to your credit, compared to your current situation.

I'm at 18 percent utilization of my credit plus a recent 650k mortgage and 2 car payments. not late on any payments BH.

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Credit Cards / Re: Credit card debt
« on: October 24, 2018, 04:56:35 PM »
Any assets for secured loan - home, car, 401k?

Yes, but I would want them tied to anything.
It's not crazy CC debt (20k is a lot of money but not worth tying it to my car and home which I am BH paying on time)  and I kinda like the flexibility of transfers that I can pay over a longer period of time and only cost me 3 percent a year. provided that i can do a balance transfer again and again if needed

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Credit Cards / Re: Credit card debt
« on: October 24, 2018, 04:53:29 PM »
Depending on where do you live, you can MS your way out of debt. Can even turn a profit as long as you're earning 1.5%+ return on spend (which is pretty easy).

Can you elaborate or link me to a post about this?

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Credit Cards / Re: Credit card debt
« on: October 24, 2018, 12:29:27 PM »
I should add that I have a good credit score - about 750

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Credit Cards / Credit card debt
« on: October 24, 2018, 12:12:40 PM »
I searched "Credit card debt"  and could not find anything

I would like to pay off about 20k in Credit Card debt with the least amount of interest possible. My plan is to do a balance transfer now and pay what I can and in about a year do that again until I'm done. 

3 questions from a novice who wants to pay off debt

1. Does doing a balance transfer affect my abillity to apply for credit cards?
2. Will it somehow stop me from getting all those balance transfer offers? like if you do it once, somehow the other CC companies stop sending you the offers because you did it once? 
3. What are your ideas for paying of credit card debt?

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Goods For Sale/Trade / Re: CARFAX for sale
« on: November 22, 2016, 10:22:41 PM »
looking to buy one carfax by vin

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Goods For Sale/Trade / Re: Hyatt Awards And Upgrades Master Thread
« on: June 15, 2015, 02:39:33 PM »
selling hyatt anniversary night for 100
exp: 6/30/15

still available

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Goods For Sale/Trade / Re: Hyatt Awards And Upgrades Master Thread
« on: June 08, 2015, 10:14:21 AM »
selling hyatt anniversary night for 100
exp: 6/30/15

still available

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Goods For Sale/Trade / Re: Hyatt Awards And Upgrades Master Thread
« on: June 02, 2015, 09:53:39 AM »
selling hyatt anniversary night for 100
exp: 6/30/15

still available

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Goods For Sale/Trade / Re: Hyatt Awards And Upgrades Master Thread
« on: May 26, 2015, 02:36:12 PM »
selling hyatt anniversary night for 100
exp: 6/30/15

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Goods For Sale/Trade / Re: Hyatt Awards And Upgrades Master Thread
« on: May 21, 2015, 03:14:14 PM »
hyatt anniversary night exp may 31
selling for 90

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Up In The Air / Re: BA Security breach / Audit
« on: March 27, 2015, 11:17:44 AM »
they dont recognize my membership number....

should i call or wait till they figure it out, or send me an email?

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Start Here! / Re: Help Me Find It! - The Search Master Thread
« on: July 04, 2014, 09:52:10 AM »
Is there something about vocationing with a baby? Kids?
Thanks

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