http://retirementliving.com/RLtaxes.html

 

Texas has no income tax.  Texas has a balanced budget.

California has an income tax, one of the highest sales taxes and using the stimulus created American reinvestment bonds to share it’s debt with the rest of the nation.

When will it stop?

 

When you have several student loans to pay off, do you think it’s better to focus on the low interest ones first, or the highest interest ones?

 

In my case, 4 of my lowest balance student loans also have the lowest interest rates.  The other 6 are all at the same interest rate, 6.8%.

 

Should I focus on getting the higher balances down, since they are accumulating the most interest?  Or should I just try & get the little ones out of the way, so they’re not accumulating interest in the background?

 

I don’t want to consolidate right now, that’s not really the direction i’m going at the moment.  Other advice/suggestions are greatly appreciated!

 

I have a 3yeard old Target RedCard Acct. – The card had a $200 limit…but due to unemployment…I was unable to pay and interest charges / fees drove my balance up to $515…I can afford to PIF but would prefer to pay less since the interest and fees are more than the actual charges I made. The balance is showing a 257% util. on my reports AND has been CO…both of which are killing my scores – so i’m willing to PIF if necessary. There is no CA showing on the CRs …just Target as the OC.

 

Should I PFD them or write a GW letter explaining my unemployment situation and willingness to pay? OR should i PIF the CO and then Goodwill them? The debt is valid. I’m aiming at the highest score jump! What should I do?

 

 

 

I have $900 to pay down credit card balances.  I can pay two cards down to zero balance and apply the remaining to my other two cards, one card is   @ 15% of the available balance , the other @ 70%.  OR   I can apply the entire $900 to the highest balance.  Which will have the greatest impact on my scores?

 

TU 669 12/31/09

EQ 684 04/15/10

 

Thanks for the advice!!

   

 

When I went to my mortgage lender they pulled a tri merge report and transunion does not give me a score. When I went onto truecredit through transunion it gives me the highest score than the other 2 . Why does it do that and can I request transunion to start giving me a score when my credit is pulled for a loan.

Jan 272010
 

I am in the middle of a business project and am having some seious over-budget issues. My EQ is 729 5 INQ’s and my TU is 725, too many INQ’s. I think my EX might be the highest fico. USAA just gave me 15,000 this week but PFCU only 5,000 with verifying 260k/yr. through paystubs then they wanted a W-2! I have a pending app with alliant. Who can give me the most bang for my INQ?  Thanks