Re: Ouch in http://www.dslreports.com/forum/r18467468 en Thu, 18 Mar 2010 13:34:04 EDT Thu, 18 Mar 2010 13:34:04 EDT Re: Ouch http://www.dslreports.com/forum/remark,18476167 ArkhmAsylm : WHERE YOU AT? Not paying my bills, fo' shizzle.
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Look at the pretty smoke!]]> http://www.dslreports.com/forum/remark,18476167 Sat, 09 Jun 2007 08:40:46 EDT Re: Whoa yeah http://www.dslreports.com/forum/remark,18474349 Pdj79 :
said by toadlife See Profile :

Renting is *never* a better deal.
While its not a better deal, its pretty much all I have at the moment. Because of the housing market crash, the highest foreclosure rate in the country (Indiana has over 1% of all mortgageable property in foreclosure), and lenders drying up by the handfuls, my house that I received lender pre-approval for, was built to my specifications, and is ready to move into as I type this will not be mine. The loan I was to have received was an FHA 5.9% fixed with no amortization and a monthly payment (tax and insurance included via a $175/month escrow) of $875 to be reduced to $750 in 10 years. But due to all the crap that lenders have taken from sub-prime loans they changed the requirements for the pre-approval after the fact to require liquid assets totally $6,500 after the required $5,000 down payment. The $5,000 was hard enough to secure (God bless 401k). The $6,500, which we were told about 3 days before closing, was impossible as gift money (borrowed from family) was forbidden.

So, now there's a house we can't move into and a builder who is threatening to sue us for $5,000 for failing to close like its our fault. And before anyone says "take your loan to another lender", I already tried that. Well, the builder did, anyway. They sent our loan to 5 other lenders, who each pulled our credit -- summarily destroying our scores in the process, then found out that we were denied the FHA loan and, in turn, denied us. Now my credit score, which was 742 when this process started, is now hovering at 614. While its only temporary, its still aggravating to know that if I went out and bought a car right now, instead of the 7.4% I was qualifying for, I would be getting a 14.9% offer. Nice.

I'm not bitter or anything :P]]> http://www.dslreports.com/forum/remark,18474349 Fri, 08 Jun 2007 20:26:11 EDT Re: Whoa yeah http://www.dslreports.com/forum/remark,18467516 emptywig : Nonsense.

My house is paid for. I'm not losing a damn thing. I make money every freaking day just by having it.

wig
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Sometimes a paradox is just a paradox]]> http://www.dslreports.com/forum/remark,18467516 Thu, 07 Jun 2007 17:31:03 EDT Re: Ouch http://www.dslreports.com/forum/remark,18467489 emptywig : Stoopiest thing I've read today.

A house is a bank account, not a payment obligation.

OMG I can't believe someone here on BBR could say something so idiotic.

wig
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Sometimes a paradox is just a paradox]]> http://www.dslreports.com/forum/remark,18467489 Thu, 07 Jun 2007 17:28:18 EDT Re: Ouch http://www.dslreports.com/forum/remark,18467468 emptywig : This is why I think it is SOOOO stupid for companies to pander so much to the younger demographic. Kids I know don't have any money of their own, even college kids.

wig
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Sometimes a paradox is just a paradox]]> http://www.dslreports.com/forum/remark,18467468 Thu, 07 Jun 2007 17:24:42 EDT Re: Whoa yeah http://www.dslreports.com/forum/remark,18465787 toadlife : That site doesn't say anything I don't already know. While it might not be a great idea to buy a house if you plan on selling it in a few months, the bad housing market does not negate the long term advantage of home ownership over renting.

Renting is *never* a better deal.
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Hate your enemies. Save your friends. Find your place. Speak the truth.]]> http://www.dslreports.com/forum/remark,18465787 Thu, 07 Jun 2007 12:27:04 EDT Re: Ouch http://www.dslreports.com/forum/remark,18464852 bac522 : Then you should consider a condo, all the benefits of renting with some equity build up. When you rent you might as well just open a window and throw your money out of it.]]> http://www.dslreports.com/forum/remark,18464852 Thu, 07 Jun 2007 09:27:03 EDT Re: Whoa yeah http://www.dslreports.com/forum/remark,18464665 Dragasoni :
said by toadlife See Profile :

While the market does suck right now, prices never go down too much. I bought a house right at start of the real estate boom a couple of years ago, and even though prices have gone down a bit in the last few months, I've still gain a TON of equity in my house.
Have a look at this: »biz.yahoo.com/seekingalpha/07060···_id.html

The loss will be much bigger than you think. It's best to rent now, hands down.

-Dragasoni-
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»www.dragasoni.com]]> http://www.dslreports.com/forum/remark,18464665 Thu, 07 Jun 2007 08:45:37 EDT Re: Ouch http://www.dslreports.com/forum/remark,18462487 ISurfTooMuch :
said by RadioDoc See Profile :

Naw. He just screwed his ex-girlfriend one last time... ;)

However, once she figures out what happened, and comes after him, you might be right. Unpaid judgments are nasty things to have on your credit report, too.
Indeed they are. And that doesn't even count possible contempt of court charges if he flouts a judge's order.

He may think he's getting away with something, but he'll evtually pay that money, and then some, to someone. If it isn't VZW, it'll be a loan company, bank, utility, landlord, ex-girlfriend, attorney, and/or the state. That's the thing about skipping out on debts. Someone will eventually take that pound of flesh, one way or another.]]> http://www.dslreports.com/forum/remark,18462487 Wed, 06 Jun 2007 21:17:43 EDT Re: Ouch http://www.dslreports.com/forum/remark,18462385 calvoiper :
said by Jim Gurd See Profile :

...They probably could have made it if they had forced their customers with poor credit into a prepaid plan. ...
Problem was, their target ("younger", MTV) audience doesn't have ANY credit scores, so it's difficult to figure out which ones are going to be the deadbeats....

calvoiper
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VoIP--the death knell of remaining voice monopolies!]]> http://www.dslreports.com/forum/remark,18462385 Wed, 06 Jun 2007 20:58:55 EDT Re: Ouch http://www.dslreports.com/forum/remark,18461872 PGHammer : IN costs no extra (it's included as standard for all VZW and INpulse customers; you don't pay extra for it!); it basically gives you unlimited calls to any other VZW or INpulse number anywhere in the non-roaming coverage area, 24 hours a day, 365 days a year. It's similar to how AT&T (originally as Cingular) offers no-charge calling to all other AT&T wireless customers. Because my mom was *already* a VZW customer, that meant all my calls to her cost me nit. (Conversely, by my being an INpulse custmer, all her calls to me cost *her* nit.)]]> http://www.dslreports.com/forum/remark,18461872 Wed, 06 Jun 2007 19:20:46 EDT Re: Whoa yeah http://www.dslreports.com/forum/remark,18461663 toadlife : While the market does suck right now, prices never go down too much. I bought a house right at start of the real estate boom a couple of years ago, and even though prices have gone down a bit in the last few months, I've still gain a TON of equity in my house.
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Hate your enemies. Save your friends. Find your place. Speak the truth.]]> http://www.dslreports.com/forum/remark,18461663 Wed, 06 Jun 2007 18:45:19 EDT Re: Ouch http://www.dslreports.com/forum/remark,18461449 raderator :
said by PGHammer See Profile :

The large no-roaming calling area is why I chose INpulse, and still recommend INpulse over all prepaid plans.
Amp'd has the same coverage area as Inpulse but I think you have to double-dial when roaming (I've never roamed). This could be a real PITA in some plains states where you would be roaming all the time. As I said, check the baby-poop color on the Broadband (not Inpulse) map.

If you are in native Verizon territory (which 90% of Americans are) and don't need "In", it's hard to beat Page Plus for cost. It's hard to beat Amp'd for cost and features. Just be aware that Amp'd CS is going to be in chaos for a while. Get your phone at Bestbuy.]]> http://www.dslreports.com/forum/remark,18461449 Wed, 06 Jun 2007 18:06:00 EDT Re: Whoa yeah http://www.dslreports.com/forum/remark,18459928 anon : Don't get hung up on a house; you're lucky you sold and rent now. Everyone else is going to be losing equity on their homes for the next five years as the housing market crashes and the mortgages all go bad.]]> http://www.dslreports.com/forum/remark,18459928 Wed, 06 Jun 2007 16:07:17 EDT Re: Ouch http://www.dslreports.com/forum/remark,18460698 PGHammer : Folks, Chapter 11 is *reorganization*...the company likely stays in business, but changes their business model, or gets bought by the senior creditor (VZW, in this case). Now if they had said Chapter *7*, I'd say you had a reason to come off with the jokes. In fact, it wouldn't surprise me if AMP'd gets swallowed by VZW, and INpulse gets folded into it, and AMP'd basically becomes a prepaid-only brand of VZW (especially since they use the same phones). I'm a former VZW INpulse customer, and I never had a problem with the service (the reason I dropped them wasn't even VZW's fault, but a case of *family miscommunication*); in fact, not long after I got the phone, I took it on a four-day (actually, five day and four-night) trip to Las Vegas. My calls were entiirely to other VZW customers (all such calls are always free) or, on the weekend, to other wireless customers (INpulse customers all get unlimited night/weekend minutes), and the same America's Choice National Calling Area (the Extended Service Areas are often where VZW is either denied or extorted on tower permitting, thus forcing VZW to set up a roaming agreement with another carrier; I never needed to roam, even in Vegas). The large no-roaming calling area is why I chose INpulse, and still recommend INpulse over all prepaid plans.]]> http://www.dslreports.com/forum/remark,18460698 Wed, 06 Jun 2007 15:54:43 EDT Re: Ouch http://www.dslreports.com/forum/remark,18460405 Fluker : Given that in many cases a mortgage requires an equal pile of cash in interest as the property you plan to own, your isnt an entirely bad opinion.

Similar things can be said about leasing vs buying a car.]]> http://www.dslreports.com/forum/remark,18460405 Wed, 06 Jun 2007 15:09:49 EDT Re: Ouch http://www.dslreports.com/forum/remark,18460384 Fluker : With this caliber of customer in mind, it's no wonder AMP'd was stiffed into bankruptcy.

Zen for her - If you loan somebody twenty dollars and never see them again, then perhaps it was worth it.]]> http://www.dslreports.com/forum/remark,18460384 Wed, 06 Jun 2007 15:06:27 EDT Re: Ouch http://www.dslreports.com/forum/remark,18460356 RadioDoc : Naw. He just screwed his ex-girlfriend one last time... ;)

However, once she figures out what happened, and comes after him, you might be right. Unpaid judgments are nasty things to have on your credit report, too.
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Toolmaster of La Grange.]]> http://www.dslreports.com/forum/remark,18460356 Wed, 06 Jun 2007 15:03:19 EDT Re: Ouch http://www.dslreports.com/forum/remark,18460269 xlimitx :
said by Cabal See Profile :

And all you had to trade for it was your ability to get a significant loan in the near future. Where can I sign up for your newsletter?
That was almost one of those "milk coming out of my nose" kind of comments.]]> http://www.dslreports.com/forum/remark,18460269 Wed, 06 Jun 2007 14:45:56 EDT Re: Ouch http://www.dslreports.com/forum/remark,18459702 phattieg :
said by NOCMan See Profile :

You'll never own it and the guy's mortgage you're paying off is happy as can be. At least if you build equity in your own house it's yours when you sell it or if you retired and had a shortage of money could at least reverse mortgage it.

A house is an important asset in some cases.
I agree that it's an important asset, no doubt. But I don't want the headache that comes with it. A house is more expensive in the end when you count in the fact they use more electricity to cool (Florida, give me a break), and have many more "hidden fees" that bite you in the @$$. I won't debate this though, because we're talking about a Verizon bill, but that is just my view, and everyone is entitled to it. I don't need a "last word" battle either, I can be happy in my apartment, and home owners can be happy in their home, it's just not for me. :huh:
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SIPPhone/Gizmo # 17476200648 / PIMPNET Chatline / Ran by Asterisk & Slackware 10.1.]]> http://www.dslreports.com/forum/remark,18459702 Wed, 06 Jun 2007 13:06:33 EDT Re: Ouch http://www.dslreports.com/forum/remark,18459679 Corona :
said by phattieg See Profile :

Well, since the phone was in my ex-girlfriends name, and she's my EX, I don't have to worry about that now, do I?...
Then in that case, if it was in her name, you don't owe Verizon jack shit.
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Corona "No, make no mistake. It's not revenge he's after; it's a reckoning."

Check out the band 1000 Miles From Home]]> http://www.dslreports.com/forum/remark,18459679 Wed, 06 Jun 2007 13:03:25 EDT Re: Ouch http://www.dslreports.com/forum/remark,18459479 NOCMan : You'll never own it and the guy's mortgage you're paying off is happy as can be. At least if you build equity in your own house it's yours when you sell it or if you retired and had a shortage of money could at least reverse mortgage it.

A house is an important asset in some cases.
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Mac Chatter
»www.macchatter.net]]> http://www.dslreports.com/forum/remark,18459479 Wed, 06 Jun 2007 12:30:40 EDT Re: Ouch http://www.dslreports.com/forum/remark,18459387 phattieg : Well, since the phone was in my ex-girlfriends name, and she's my EX, I don't have to worry about that now, do I? I agree with the saying "don't get mad, get even". But even still, I don't plan on getting a house/mortgage anytime soon. I had one (a 4 bedroom house), hated mowing the lawn, payng for repairs and upkeep, and property tax. I now rent. Costs the same, and I never have to worry if the A/C goes out, or the roof needs repaired. Of course I'll never own it, but I am ok with that.]]> http://www.dslreports.com/forum/remark,18459387 Wed, 06 Jun 2007 12:12:44 EDT Re: Ouch http://www.dslreports.com/forum/remark,18459333 raderator : Meanwhile, I'm still enjoying nearly free broadband tethered to my laptop with my Prepaid Amp'd Angel and the nearly free cable channels and web access (for some reason, they have been way undercharging for MBs). $20/2 months (no tax, no PINs) and 10c/min on calls ain't bad either. I'll stay with it as long as it lasts.

My Prepaid Amp'd Moto E816 ($50AR) I switched to Page Plus Cellular for my father. Works great. I've used them for a couple of years. They are a well-run and lean company with good CS. And they just lowered their rates too. Mins last for FOUR months. SMS is only 8c (less, actually, cuz they credit you with MORE than the value of your PIN). The 50c monthly fee knocks prices up a bit. There is usually a 6% tax on PINs but you can avoid it if you shop around or buy on ebay. For older folks, you can add time using a CC with a free call and talk to a REAL person who will add the PIN for you.

$10 = 83 Minutes (12c/min)
$25 = 300 Minutes (8.3c/min)
$50 = 700 Minutes (7c/min)
$80 = 1400 Minutes (5.7c/min)
50c monthly fee to resume in July.

Unlike Amp'd, they do charge for roaming off the native Verizon network but they have just lowered the rate from 99c/min to 59/min. Check the Verizon broadband map (the Inpusle map mixes roaming and no coverage areas). The "Extended Service" areas (which looks like baby poop) are roaming. »www.verizonwireless.com/b2c/Cove···ge%20Map

The Amp'd customers who went the Prepaid route made out great. They got phones dirt cheap, tons of features and Page Plus is a great alternative service, if need be. And PP will be adding some sort of web access this fall. BTW, you can activate any new Verizon Inpulse phone on PP. Rumor is that the $50 CDM 7075 will work with the new web access.

Amp'd will probably stay in business and will probably go more mainstream (more adults). Or Verizon might buy them out.]]> http://www.dslreports.com/forum/remark,18459333 Wed, 06 Jun 2007 12:01:41 EDT Re: Ouch http://www.dslreports.com/forum/remark,18459234 ISurfTooMuch : If you don't pay it, it'll be the most expensive bill you never paid. Once it goes on your credit report, and it will, you'll pay higher interest rates on loans, such as mortgages, car loans, student loans, etc, assuming you can even get them. You'll have a harder time getting an apartment, since many landlords run credit checks, you'll be required to pay bigger deposits for utilities and other services, and you might even get turned down for some jobs, since more and more employers are checking the credit of applicants they're considering hiring.

Do what you want, but don't think for a second that this charge will just go on your credit report and be some abstract thing that won't affect you. It will.]]> http://www.dslreports.com/forum/remark,18459234 Wed, 06 Jun 2007 11:44:33 EDT Re: Ouch http://www.dslreports.com/forum/remark,18458806 JPuppy : Yeah, I hope he doesn't plan on buying house in the near future. I had a $20 Verizon charge from 2000 become an issue when I applied for my Mortgage.
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Official BBR Grouch]]> http://www.dslreports.com/forum/remark,18458806 Wed, 06 Jun 2007 10:20:37 EDT Re: Ouch http://www.dslreports.com/forum/remark,18458710 Corona : No shit. He'll pay for it now, or he'll pay for it later. Wonder when he's getting a finance show on CNN?]]> http://www.dslreports.com/forum/remark,18458710 Wed, 06 Jun 2007 10:02:13 EDT Re: Ouch http://www.dslreports.com/forum/remark,18458666 Cabal : And all you had to trade for it was your ability to get a significant loan in the near future. Where can I sign up for your newsletter?
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Interested in open source engine management for your Subaru?]]> http://www.dslreports.com/forum/remark,18458666 Wed, 06 Jun 2007 09:54:31 EDT Re: Ouch http://www.dslreports.com/forum/remark,18458614 phattieg :
said by Camelot One See Profile :

And to think, I almost switched.......
Don't feel bad, I almost did too. I was interested in their content, etc, but the prices were too much. At least they're not alone, because I owe Verizon a few hundred (partly because canceled contract fee). I ain't paying them, and they can stick it on my credit until they are blue in the face. Anyone who charges what they did should of had unlimited text messages. Now I have the Sero plan with Sprint, and have no issues with service, or billing, AND I got the Moto Q, without paying $200+ for it like Verizon. I went from $80 a month on Verizon, with airtime charges for everything, including internet, down to $35 a month, 7pm nights and weekends, 100 more minutes a month than VZ (500 on Sprint, 400 on VZ), and it doesn't matter what time of day it is, I don't have to pay for airtime on my unlimited internet access. This Moto Q is great for browsing on the go. Thanks to it, I can now have no life, in style! :uhh: No, seriously. I can be bored, waiting at the doctors office, and pop on DSLR, or wikipedia, or just about anywhere. It especially comes in handy for google maps, etc... :)
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SIPPhone/Gizmo # 17476200648 / PIMPNET Chatline / Ran by Asterisk & Slackware 10.1.]]> http://www.dslreports.com/forum/remark,18458614 Wed, 06 Jun 2007 09:43:56 EDT Re: Ouch http://www.dslreports.com/forum/remark,18458602 Jim Gurd : I thought they were strictly a prepaid service. I guess not.

They probably could have made it if they had forced their customers with poor credit into a prepaid plan. Once the minutes were used up the phone would stop working until more time was added to the account. That way customers couldn't run up huge charges and then not pay. That's what Tracfone does and it seems to be working for them.
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We don't care. We don't have to. We're the phone company.

-- Ernestine]]> http://www.dslreports.com/forum/remark,18458602 Wed, 06 Jun 2007 09:41:52 EDT Ouch http://www.dslreports.com/forum/remark,18458409 Camelot One : And to think, I almost switched.......]]> http://www.dslreports.com/forum/remark,18458409 Wed, 06 Jun 2007 09:01:02 EDT