Old 03-31-2008, 04:20 PM Offline   #1 (permalink)



 
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now i know a little bit about finance and what not, pretty much only what i've run into n not much else

i bought the crib for 200 n now its only worth a buck 80 so i cant refinance. i wanted to refinance to get my credit cards into the mortgage, but thanks to the economy now its a definate no-go

what would be my best bet:

a - try to get a personal loan n pay off the cards
b - wait it out n hope the market comes back around n refinance then
c - do some shady white guy loophole n exploit some shit for profit (elaborate por favor)
d - stop making threads




jhj i know u in my boat, u got your spot around the same time i did
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Old 03-31-2008, 04:21 PM Offline   #2 (permalink)



 
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stick it out, unless you NEED the money then grab the loan
 
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Old 03-31-2008, 04:25 PM Offline   #3 (permalink)



 
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Originally Posted by Fuzz420 View Post
stick it out, unless you NEED the money then grab the loan
nah i make enough to stash like 500-700 a month after bills

but it'd be nice to get rid of the higher interest rates for a lower one

i was just looking for some other ideas or options


global warming will eventually make my property >>>>

toodles florida
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Old 03-31-2008, 04:27 PM Offline   #4 (permalink)



 
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Originally Posted by Saucenah View Post
nah i make enough to stash like 500-700 a month after bills

but it'd be nice to get rid of the higher interest rates for a lower one

i was just looking for some other ideas or options


global warming will eventually make my property >>>>

toodles florida
well since its not a "live or die" situation, i opt for option C then
 
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Old 03-31-2008, 04:32 PM Offline   #5 (permalink)



 
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what are crooked white people doing for money now though?

stock market is shit
property market is shit (government owns so many forclosed homes from banks passing bad loans off)

theres gotta be some loophole shit that i can pull off if i wear my good tie n rock my spiffy glasses
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Old 03-31-2008, 04:42 PM Offline   #6 (permalink)



 
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the democrats ruined massachusetts
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Old 03-31-2008, 04:50 PM Offline   #7 (permalink)



 
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stack bricks
bake pies
china white

etc. etc.
 
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Old 03-31-2008, 04:56 PM Offline   #8 (permalink)



 
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Originally Posted by Slim View Post
stack bricks
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etc. etc.
dont forget about gun running and the booming sextrade industry
 
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Old 03-31-2008, 05:06 PM Offline   #9 (permalink)



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Originally Posted by Saucenah View Post
nah i make enough to stash like 500-700 a month after bills
Pay off the cards with the extra, the rates on them are probably a lot higher than what you'll make on your savings.

Also, if you can, dump a bunch of your savings into paying off the cards. Your net worth stays the same, but your monthly interest expense will go down a bit.
 
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Old 03-31-2008, 05:08 PM Offline   #10 (permalink)



 
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how much do you owe on your cards? could you possibly get them paid off w/o having to refinance your house (with the extra dough you're putting back monthly)?


refinancing now =
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