AngryBMW

I know he 'has' a boat...but I have never seen him on said boat. Hence the question. I wonder if he brings his beer bong along? -Marc

FYI...Depending on what the creditors offer you with regard to repayment terms on the medical debt, and of course how much you owe, paying off with 'cash' from a refinance of your mortgage can make a lot of sense. I do it for people all the time *IF* the savings is enough to cover the new interest. Good luck Josh. -Marc

You're welcome to tag along. Does Greg even boat?! -Marc

I'll be on a white/purple/gray Nordic. Usually tied up in the swim cove or running around the lake! Matt, I thought you bought a new green ski boat? -Marc

Updates? Boating season is upon us and I'm looking for some more friends to waste gas with at Alum and Erie! -Marc

Have you worked out a payment plan with the hospital/doctors offices so the bills will report on your credit or are the delinquent now? For them to report, their needs to be a reason for them to be on your report. I would suggest avoiding any of the 'free' report websites as the information they provide will typically be very inaccurate. This includes Credit Karma and Freecreditreport.com. As mentioned before, I would go straight to one of the 3 main bureau's sites and pay the $15-30 for your full report(s) and scores. If the bills are in collection, on a consumer pulled report (like for a mortgage), no pertinent information like the hospital name will be shown; only the name of the debt collector and the amount owed/past due to satisfy hipa laws. To get the specifics, you will have to call the bureau direct and they will be able to give you the account number and more details. Depending on what you owe, all of the creditors should be willing to work with you to establish a payment plan and should take less than owed. I always suggest asking what their 'cash today' payment would be and then using that lower number to establish how much you repay and over how long of a term. The debts themselves should be interest free; the only cost other than what is owed would be any late penalties or fines accrued for lack of payment...if there are any. I don't know anyone that has used Mark's company but do have a few companies that I recommend on a weekly basis to prospective home buyers that do not currently qualify for a mortgage. If you are looking for access to cash to pay off some of the debt immediately and have equity in your home, give me a call and we can discuss a cash-out refinance. This will lock in your equity at a low rate over a long term to help pay off the debt in a comfortable manner. If you have any other questions I can answer, feel free to reach out at 614-339-1206 or mstock@usavingsbank.com Thanks, Marc

Um...that's not particularly great. With who? I can beat that today on a 15yr and probably lower closing costs. Give me a call as a lock with a different company doesn't mean much. -Marc

I'd also give Carlos Ellis a call. Great guy, great work. Tell him Marc sent you. 614-260-5296. Thanks! Marc

I'm buddies with Mink and have had him out on the boat a few times. I actually just saw him and mentioned you may be calling. He said his phone is messed up and isn't ringing, just sending people straight to voicemail. He asked me to have you either leave a message and he will return the call promptly or if I could pass your cell to him? Let me know! Thanks, -Marc

Better be 1099'ing that shit. +1 for Sam. -Marc

Chunk?? I was going to recommend him also. -Marc

Holy shit...who knew there was this much effort in going to Disney? I haven't been since I was a kid and don't really plan on going again until I have a kid...but this seems like a true pain in the ass vacation! As an adult, do you guys really have fun when you go or do you do it for your children? -Marc

I'd only want to hire Sheen if he physically got on my roof and started slinging shingles! Money well spent to watch that! -Marc

Jim Horne Managing Partner Ohio Roof Company 80 Grace Dr Ste A Powell, OH 43065 P: 614-385-1076 F: 855-647-8505 jim.horne@ohioroofcompany.com Great guy that does awesome work! Let him know I referred you. -Marc

Sorry...I should have clarified. I was speaking of debt to income rules of thumb. For those that do not really understand debt to income, take a look here: http://en.wikipedia.org/wiki/Debt-to-income_ratio -Marc

I see no real reason to go with a 15yr fixed with today's interest rates. There isn't THAT much of a difference and we have no pre-pay or early term penalties. I sell the 30 so you have a cheap payment, give the 15yr am schedule so you can pay it off quickly if you want, but have the low payment cushion if something serious comes up unexpectedly. And you have a better write-off at the end of the year. If your money isn't earning you 6+% today, you need a new financial advisor. But, I also would suggest an ARM for the super low rates. With the caps in place, you are well protected. I am personally on a 1yr ARM that is adjusting DOWN this year. Over the past 22 years, our ARMs have outperformed the 30yr fixed every single year. Lots of options, just depends on you risk tolerance and how you are managing your money. -Marc

Call me...614-327-8085. I'll happily go over mortgage income qualifications with you and get you prequalified in your comfort level. The general rule is no more than 3 times your monthly gross but I like to keep people below that. I owe you for helping my GF with her nursing resume a few years back anyways. -Marc

Hopefully cut off this jokers disability payments and allow the court system to bury him. Just saying. -Marc

Seriously...allow access to the Kitchen ONLY so we can all laugh at his defense! -Marc

Congrats!! Great looking home. Sounds like they are having financing issues...did they get the appraisal done yet? What type of financing? -Marc

Colin Beach - 937-524-9355 Let him know I sent you. Good luck! -Marc

Gayest post on CR in quite a while. Well played sir, well played! :marc2: -Marc

Count me in as a sub. You have my cell so text me if needed -Marc

Great read and, looking at a LOT of credit reports, couldn't agree more that people as a general rule need to work on better budgeting for the future. -Marc

That's awesome! -Marc