Recent content by tpcooper

I didn't time the video, and I admit I have never been pulled over in 9 years of driving (so I don't know how quickly I would pull over - I'd probably panic and slam on my breaks in the middle of the road to make sure I didn't get shot!!!) (I am 25), but it didn't seem to be an unreasonable...

At 25 I'm not really discouraged, but it is never fun for anyone to lose money. I just hope I remember this as I approach retirement age and make sure I'm not too heavy in stocks when I can't afford years like this.

I know this isn't good, but I am terrified of the police. I've never had as much as a speeding ticket, but once when I was 16 I got screamed at by a police officer (actually a wildlife officer, but still actual police in FL where I grew up) for a reason 9 years later I still feel was...

It can be done online. The problem is they give you a quiz on your credit report information to prove it is you. Questions like "Which of the following streets have you lived on in the last five years?" I could never pass. I guess they know better than me... :-)

I thought I would update this for anyone else that ever runs into this problem and searches on this board for help. Neither Equifax nor the state were ever much help. I finally got it resolved on Friday, with the help of the Better Business Bureau, but it still took several exchanges with...

I've always taken that to be sort of a tongue in cheek rule, not something with deep meaning. Kind of like when a coach says the key to winning is to score more points than the other team.

The answer I got from a CPA is that by default IRS the considers a cosigner to a loan paying it off for the main borrower (this is my language) a gift. He added that if the parent can legitimately argue they always considered it their obligation and intended to pay it off and does, not counting...

Time for me to sound like a spoiled brat. My parents contacted me yesterday and offered to pay off half my student loan balance, or about $55,300. That pays off exactly 3 of my individual loans. One of them my dad is a cosigner for. I know gift tax rules apply to the other amounts, but...

In some cases probably yes, but since I don't think anyone planned for the companies they were running to get into this situation, it would be pretty easy to argue it was a reasonable business decision/risk. It seems to me, and I guess I'm probably wrong, that depending on the negatives to the...

This may make me appear naive and stupid, but if not taking the bailout clearly hurts the company (how could passing up having bad assets purchased at above market value not) wouldn't passing it up be a violation of fiduciary duty? I guess some of the other negatives of the bill to the...

A little over a month ago I decided to place security freezes on all my credit files. I send letters and checks for $7.50 (as TN requires) to each of the credit bureaus. TransUnion and Experian give me no trouble. Equifax rejects my request, it said I didn't include required information, but...

9,000 Mistakenly Warned Of Mortgage Default - Money News Story - WSMV Nashville I agree with the one guy though, I hope they will accept my written apology if I do ever miss a payment because of a computer glitch...

Yeah, the loan was originally SunTrust but as I understand it was sold to and is now serviced by US Bank. Yeah, I thought about editing out the name and number like I edited out the mortgage amount, but figured I wasn't doing anyone any harm on posting a form letter like that...I'm sure the...

I come home from work Friday and have a notice from the post office that delivery of a certified letter was attempted, and I can either as for them to redeliver or I can go by the post office. I hate certified mail because I am never home during delivery times and of course I can't get to the...

I've heard that too, but if you search around on the net in discussion on other boards people have posted examples from their own merchant agreements, and the wording tends to be very vague. It usually says the merchant can make some restrictions, but isn't clear as to what. I honestly don't...