All Forum Posts by: John M.

Instead of multiplying .03 to the 1st value, then adding that 3% to get the 2nd value... then repeating all the way up to now, what's this process called and is there and easier method in doing these calculations? Thanks.

I hope they do charge a small fee. That would eliminate a lot of the junk.

Great topic kev. Would love to hear some learning experiences as well.

:beer:

kennethortiz, that's what my mind says, too, you just said it outloud. lol. Those guys are just more motivational.

Ok, well anyways, my FICO score is 724, but it varies. My Equifax is 736 and transunion is 729. Why do they give varying scores and which ones do banks look at? I'm 22, have 2 yrs. of credit history, 3 (revolving 10k, 6k, 5k) Credit cards all paid-in-full and on-time and 11k in school loans to pay off. I may have made a mistake in raising the 10k from 5k and 6k from 3k with no apparent reason rather than having a high credit limits. I recently heard this isn't a good thing to do if you don't have a good reason.

How long will it take to get my score up to 750 range? Does the score rise with age? I know one of the major factors are the credit balances and how much available credit there is. Aside from my school loans, my revolving credit is just over 1k and I'll pay that off this month.

I've been paying my credit cards in full over the past 2 yrs. and my avg score is 730s. Last month was the first time I checked my credit, so I'm not sure how much it has raised since the first CC i owned. What was the likely score I started with 2 yrs ago and how much can i raise it within the next couple years?

hey seattle,

so how much would you get out of this deal (if you haven't already provided the numbers)? Is it a simple subtraction of the your buyer's offer and the purchase price?

I was excited, too. File Not Found instead. :crazed:

Sometimes making $0 is a good thing, especially if you're in the hole. Regardless of that.... great mindset. don't stop til you get 'nough!

:pup:

#59.

Does anyone here manage property in the US and travel abroad at the same time? It would probably vary depending on how I would stay abroad (I'm thinking around 1-3 weeks), but what steps or suggestions do you have to properly maintain your property when you're out of the country? What types of risks do you see?

If anyone has experience in traveling and managing property, it'd be a pleasure to hear from you :type:

The "Planning Phase" is definitely a mindset that can be broken. Once a person sees that planning isn't creating the results he/she wants, action is just itching to be taken. For some people, it may take months, for some it takes years, but that person has to realize it. What I do when a person is too into a planning phase (for anything really), I ask them "What type of actions are you doing right now to specifically improve _____ ? ". That usually gets them to realize that action isn't being taken and they're really not improving. OR they've psyched themselves out into thinking they know a lot about something, when you know for a fact that what they're saying is straight from a book without experience. Of course, some people think they're taking the steps necessary to improve, so they keep reading and reading without even knowing they're not improving. Once that happens, they feel "ahhh what a hard day's work. I did a lot today", when in actuality, they didn't do much in relation to reality. So I say a lot people do get caught up in this (just how long before the realization?)...

(Queue the violin)
:violin:
I was once in this phase. Now, I keep the time ratio of reading/action at least 2:1.

Get out there and talk to people, you'll at least know where you stand if you can't keep up.

:woohoo: