Bam

wow,where is the roflcopter when you need one?

weird, but fuck yeah guys, thanks,i'm takin the girl out to lunch tomorrow, haha

Maybe I'm missing something,but the only thing I see is $1 OFF an individual meal, not the meal for $1.

glad to hear it wasn't worse. any idea on why the boost spike? you gonna be dynoing it again tomorrow night before heading up sat or what? and did we figure out how we're all getting there?

http://www.youtube.com/watch?v=CwXC8KkmMrY damn, damn, and damn! again

Damnit! A week late, I just bought a brand new gun at Vance's last week,fuckin A. Great price, glws.

Definitely a good idea. I'm a fianance major and started at cscc, the intro class there is very good and even if you don't want to do anything more than better handle your money, its a good class to take. They have this budget project that runs the entire class length, definitely opens your eyes to where your money goes if you stick with it. And I agree with Akula, except about having low limits, there is nothing wrong with a higher limit. And I charge everything on my CC to get the rewards, and then if its a large purchase or unannounced or home related and I can't pay it off in cash, I use my HELOC to pay off the CC since its tax deductible and currently at 1.99%, which is cheap.

oh, so you're just going to the bike nite, not actually riding there. Cool, I miss bike nights.

how bad did your insurance turn out to be? as bad as you thought?

Seriously, if i made a thread every time i 'got some' cr would be filled with nothing else... no one cares that you like hanging out with needy girls man....find some women and it'll be good for you.

I think it started life out as a run of the mill Impreza, probably because the owner knew he'd be upgrading/change everything that a WRX/STI comes with for the extra cost. Then he carried out specific modifications to make it similar to the WRX/STI's but obviously greater. It's a nice looking car and 400hp sounds awesome, but it isn't mentioned if it has a CLEAN/CLEAR title or not.

Neither, one SS and a nice fat downpayment on a house.

sweet, keep me in mind

Don't you see the appeal .

I'm not sure who told you guys (Aaron and Brian) that carrying a balance was necessary or hell even recommended. I also didn't say that having a credit card and credit history would help you with keeping good credit card rates. This is a new economy and banks are doing whatever they can to recoup some money. That being said. I have NEVER once carried a balance on ANY of my many cards over the past 6 years and I have a 790+ credit score, an EXCELLENT rate on my mortgage, and have always gotten the best rates/whatever when applying for things, such as cars, credit cards, etc. NEVER leave a balance on a card, its just a waste of money. Use the card frequently and just pay it off every month. Be responsible with the credit cards and they will repay you in the future. I may be lucky but not a single one of my credit card rates have increased, but even if they did I wouldn't care a bit, as they don't affect people that don't carry balances.

I do this every single month, and reap the cash back benefits from it. I typically charge $2500/month on my cc, with everything from daily expenses to actual bills (insurance/utlities/daycare/etc) on it and it all just gets paid off at the end of the month.

Exactly, that'd be your best bet. But realize that if it is NOT paid off in the six months it not only jumps to a rediculous rate, as in 20% plus probably, but you are usually hit with retroactive interest, dating back to the purchase, so basically the first 6 months. Just make sure you pay it off BEFORE 6 months are up, (I usually do it at least a week or two to be safe) and you got a free loan for 6 months.

No problem, I'm just trying to be helpful, you want to keep your credit card(s) open to show you have good history of paying on time, which is what lenders want to see.

ok fair enough, so why get one? LOL. And just because you close the card doesn't make any sense. If you CLOSE this card and want another, you'll just go apply again and *hopefully* get approved and have it in the mail in a couple days. OR If you leave the card OPEN but CUT IT UP so that you physically do not have it, you have to call the 800 number or go back to the bank to have them re-issue you one, again it will take a few days in the mail. So there really is no difference....I'm confused.

Exactly what I tried saying, but since he obviously wants to get one I've tried to tell him the best way to go about it.

You obviously didn't read everything I wrote. You will HURT your credit score by doing this and it will negatively affect your chances of getting approved in the future. If you do not want to use it, fine, don't, but just secure it somewhere and forget about it. Hell you can even cut it up if you want, just DO NOT CLOSE THE CARD. Plus, if you need to do this again for some reason in the future, you already have the card, and can use it immediately for emergencies like this. Another thing, if you open a CC, charge something on it, and close the card immediately after before paying it off, the card company may require full payment immediately in full or jack your interest rate up. Why do you not want a credit card?

call around to local junkyards, someones gotta have a saab. all-foreign? worthmans? cantleys?

a student credit card is just the same as a regular credit card, except meant for students as in it is easier to get approved for one and they generally only have like $500 credit limits. Ok, i just wanted to warn you that paying the minimum at like 15% would end up costing you a shitload more than $150 or $200 and take you quite a while to pay it off. Credit cards are perfectly fine when used in moderation. I typically get back about $1000 cash back per year from just using my credit cards like normal, for free. But I agree they can be the devil for some people. You will want to have a credit card and show on time payments to build your credit so that you can get better rates on things in the future, such as cars, houses, etc. Just an fyi. good luck, you can also try online at like capital one or citicard as I've heard both of those are VERY lenient when approving credit cards, but I personally do not have a card with either of them.

just walk into any local bank, chase, 5/3, etc. and apply, most likely get approved for the student cards only unless you have credit and some good credit. Make sure you get one with no annual fee and try and find the lowest rates, but they will still be like 15% probably. minimum payments are generally between 2-4% of the balance, depending on the card. But some cards are 2-4% or like a minimum of $20 if that percentage is less because of the low balance. I honestly wouldn't recommend getting a credit card for this reason, get a credit card because you want to and are ready and prepared to be responsible with it, not when your broke/short on money and you can't pay it off each month. That's a good way to dig a DEEP hole super quick. There is no penalty to paying it off each month, you want to do that. You do NOT want to cancel the card just because you paid it off and don't use it. Throw it in your sock drawer and forget about it if thats the case, but leave it open as it builds credit history. Just my .02, you can bum $200 off your mom or someone for a couple weeks to get you buy?

that link says its in stock for $90.