Posts by Kimberly Nguyen

A checking account is basically just an on-demand transaction account. The second you have "free" cash sitting there, the interest rate is absolutely pathetic... honestly, it's a joke. And from what I understand, you can't even sit down with your bank and haggle over those rates. You might try negotiating interest on a CD or a fixed-term savings account (though, let’s be real, even if you manage to strike a "great" deal, it’s still barely worth the effort in my book)

Besides, which kind of checking account are we even talking about here... is this for individuals or corporations? Not that it makes much of a difference in the end

HROK => Equifax obveza po kreditima d.o.o.

silentpuma16 said:So, I was just wondering what HROK actually means for those of us who are already heavily leveraged... When it comes to loans, it seems like now, regardless of whether you have a spotless credit history or a messy one, if a third of your paycheck is already tied up in debt, you simply CANNOT get a loan.... and even if you somehow can, they demand an absolutely ridiculous amount of insurance coverage....
In my own situation, my monthly debt payments are roughly equal to my entire salary, which is about $4,500, and I’ve always been perfectly responsible—never missed a single payment or received a warning—plus we run our own small business, but when I finally went to buy a condo.... they just told me I was overextended and left it at that....
Of course, I fully understand all the debt I've taken on because every cent is backed by something; it was either a mortgage on the house, two co-signers, or life insurance. Every single loan I ever took out was specifically for renovations or purchasing a home, a condo, some land, or other similar investments....
I had really hoped that HROK might help distinguish the reliable borrowers from the risky ones, but believe me, they are looking strictly at your total debt-to-income ratio.....
It makes me think about a parent who wanted to buy a condo in Chicago Union Station to rent out, hoping the tenants would essentially cover the mortgage, and I honestly don't know how they're supposed to pull that off now... it seems like the banks only care about how much you owe, rather than where the money is actually coming from.
In my case, my tenants are the ones helping me pay down the loan and so on... If anyone else has had different experiences... please let me know... and which bank you used....
Because it feels to me like the days are gone when you could just pick up three condos for $50,000 each and rent them out,,,,,, since everything is so transparently tracked nowadays.....👎

If you're talking about that news from a month or two ago saying the government would cap borrowing at a maximum of 1/3 of your salary... that hasn't even been passed into law yet. And honestly, if some bank refuses to give you a loan, that's just their own internal policy for calculating creditworthiness. Some banks still use completely different methods than others...

silentpuma16 said:So, I was just wondering what HROK actually means for those of us who are already heavily leveraged... When it comes to loans, it seems like now, regardless of whether you have a spotless credit history or a messy one, if a third of your paycheck is already tied up in debt, you simply CANNOT get a loan.... and even if you somehow can, they demand an absolutely ridiculous amount of insurance coverage....
In my own situation, my monthly debt payments are roughly equal to my entire salary, which is about $4,500, and I’ve always been perfectly responsible—never missed a single payment or received a warning—plus we run our own small business, but when I finally went to buy a condo.... they just told me I was overextended and left it at that....
Of course, I fully understand all the debt I've taken on because every cent is backed by something; it was either a mortgage on the house, two co-signers, or life insurance. Every single loan I ever took out was specifically for renovations or purchasing a home, a condo, some land, or other similar investments....
I had really hoped that HROK might help distinguish the reliable borrowers from the risky ones, but believe me, they are looking strictly at your total debt-to-income ratio.....
It makes me think about a parent who wanted to buy a condo in Chicago Union Station to rent out, hoping the tenants would essentially cover the mortgage, and I honestly don't know how they're supposed to pull that off now... it seems like the banks only care about how much you owe, rather than where the money is actually coming from.
In my case, my tenants are the ones helping me pay down the loan and so on... If anyone else has had different experiences... please let me know... and which bank you used....
Because it feels to me like the days are gone when you could just pick up three condos for $50,000 each and rent them out,,,,,, since everything is so transparently tracked nowadays.....👎

Nothing has actually changed drastically compared to the period before May 1st when HROK went live.

silentpuma16 said:So, I was just wondering what HROK actually means for those of us who are already heavily leveraged... When it comes to loans, it seems like now, regardless of whether you have a spotless credit history or a messy one, if a third of your paycheck is already tied up in debt, you simply CANNOT get a loan.... and even if you somehow can, they demand an absolutely ridiculous amount of insurance coverage....
In my own situation, my monthly debt payments are roughly equal to my entire salary, which is about $4,500, and I’ve always been perfectly responsible—never missed a single payment or received a warning—plus we run our own small business, but when I finally went to buy a condo.... they just told me I was overextended and left it at that....
Of course, I fully understand all the debt I've taken on because every cent is backed by something; it was either a mortgage on the house, two co-signers, or life insurance. Every single loan I ever took out was specifically for renovations or purchasing a home, a condo, some land, or other similar investments....
I had really hoped that HROK might help distinguish the reliable borrowers from the risky ones, but believe me, they are looking strictly at your total debt-to-income ratio.....
It makes me think about a parent who wanted to buy a condo in Chicago Union Station to rent out, hoping the tenants would essentially cover the mortgage, and I honestly don't know how they're supposed to pull that off now... it seems like the banks only care about how much you owe, rather than where the money is actually coming from.
In my case, my tenants are the ones helping me pay down the loan and so on... If anyone else has had different experiences... please let me know... and which bank you used....
Because it feels to me like the days are gone when you could just pick up three condos for $50,000 each and rent them out,,,,,, since everything is so transparently tracked nowadays.....👎

Loans are still granted based on credit capacity (your income), not based on how reliable your repayment history is... If your debt equals your salary, the banks assume you have unreported income streams, and they don't take those into account at all.

silentpuma16 said:So, I was just wondering what HROK actually means for those of us who are already heavily leveraged... When it comes to loans, it seems like now, regardless of whether you have a spotless credit history or a messy one, if a third of your paycheck is already tied up in debt, you simply CANNOT get a loan.... and even if you somehow can, they demand an absolutely ridiculous amount of insurance coverage....
In my own situation, my monthly debt payments are roughly equal to my entire salary, which is about $4,500, and I’ve always been perfectly responsible—never missed a single payment or received a warning—plus we run our own small business, but when I finally went to buy a condo.... they just told me I was overextended and left it at that....
Of course, I fully understand all the debt I've taken on because every cent is backed by something; it was either a mortgage on the house, two co-signers, or life insurance. Every single loan I ever took out was specifically for renovations or purchasing a home, a condo, some land, or other similar investments....
I had really hoped that HROK might help distinguish the reliable borrowers from the risky ones, but believe me, they are looking strictly at your total debt-to-income ratio.....
It makes me think about a parent who wanted to buy a condo in Chicago Union Station to rent out, hoping the tenants would essentially cover the mortgage, and I honestly don't know how they're supposed to pull that off now... it seems like the banks only care about how much you owe, rather than where the money is actually coming from.
In my case, my tenants are the ones helping me pay down the loan and so on... If anyone else has had different experiences... please let me know... and which bank you used....
Because it feels to me like the days are gone when you could just pick up three condos for $50,000 each and rent them out,,,,,, since everything is so transparently tracked nowadays.....👎

What does it even mean to have "collateral"?
The bank calculates your collateral based on your actual income, and you are completely tapped out on loans...
What you're describing are just security instruments that every bank requires (some more than others), but primarily, they look at creditworthiness... You only really need those for pawn-style or secured loans.

I can't believe I'm even sitting here typing this out, but honestly? Someone needs to say it. I am absolutely livid. It feels like every time you turn around, some massive bureaucratic machine or a shady entity is trying to pull the rug out from under you. It’s exhausting. You try to play by the rules, you do everything "right," and yet you still feel like you're walking through a minefield of fine print and hidden agendas. I was looking into my own records recently—just trying to stay on top of things, mind you—and dealing with Equifax is enough to give anyone a migraine. It shouldn't be this hard! Why is there always a catch? Why does it feel like we're constantly fighting an uphill battle just to maintain some semblance of stability? It’s infuriating. And don't even get me started on the way certain people handle these situations. They act like they're doing you a favor when, in reality, they're just protecting their own interests. It’s the same old story, over and over again. I’ve seen it happen to friends, I’ve seen it happen to colleagues, and frankly, I'm sick of seeing it. We deserve better than this constant state of uncertainty and red tape. It's enough to make your blood boil. kaže:
I really had high hopes that HROK would finally help us separate the reliable borrowers from the deadbeats, but let me tell you—don't hold your breath. It’s incredibly frustrating because, from what I'm seeing, they aren't even looking at the full picture. They're just obsessing over total debt levels like it's the only metric that matters. It’s such a narrow-minded way to judge someone's financial health!

Of course they’re looking... that is quite literally HROK's entire reason for existing.

I honestly don't even know where to start with this mess. It’s just one thing after another lately, isn't it? I was sitting there yesterday, just trying to have a quiet coffee, thinking maybe things might actually settle down for once, and then—boom—another ridiculous situation hits the fan. It’s exhausting. Truly. You try to follow the rules, you try to do everything by the book, and yet you still feel like you're being pushed into a corner by sheer incompetence. It reminds me of that time back when I was dealing with my old bank in Chicago; I spent three hours on hold just to be told that none of their records matched what I was looking at. Absolute madness! And it feels like we're seeing that same level of disorganized chaos everywhere now. You can't trust the systems, you can't trust the bureaucracy, and frankly, it makes me want to scream. I'm not even joking. I am genuinely fuming just thinking about how much energy people have to waste just navigating these basic hurdles. We deserve better than this constant uphill battle.

I can't even begin to describe the absolute disaster I’m dealing with right now. It's one thing when things go sideways, but this? This is a complete and utter meltdown. I was sitting there, just minding my own business, thinking everything was finally under control, and then—bam! Everything hits the fan. It’s like nobody understands how much work goes into keeping things running smoothly. You try to follow the rules, you play by the book, and what do you get? A giant, steaming pile of chaos. Honestly, I am beyond frustrated. My blood is practically boiling just typing this out. It feels like every time I turn around, there's some new obstacle designed specifically to make my life miserable. Is that too much to ask? Just a little bit of stability? Apparently so. I swear, if I have to deal with one more bureaucratic headache or one more person who clearly hasn't done their homework, I might actually lose it. It’s exhausting. Truly, deeply exhausting. kaže: So, I just heard about this parent who had this grand, half-baked scheme to buy an apartment in Chicago, rent it out, and somehow expect the tenants to basically pay off their mortgage for them. Honestly, I have no idea how they think they’re going to pull that off in practice. It’s one of those "get rich quick" delusions that ignores all the actual logistics. What really gets me, though—and this is what makes my blood boil—is that people like this only care about looking at someone's debt load on paper. They obsess over credit scores and liability, but they couldn't care less about where the actual cash is coming from or if the math even adds up. It's all smoke and mirrors. It’s a bit of a unique setup on my end—I actually have my tenants paying off my loan installments directly. It keeps things moving, but it's definitely not the standard way most people handle their finances. I’m curious, though... does anyone else here run a similar operation? If you’ve got a different way of managing your debt or some interesting experiences with tenant-assisted payments, please, let me know. And for heaven's sake, tell me which bank you're using. I need to know if there are better options out there that won't give me a headache. It honestly feels like we’re living in a completely different era. I swear, there was a time when you could take $50,000, roll up your sleeves, and build three decent little rental properties from the ground up. You could actually make a move, get them on the market, and start seeing some real cash flow. But now? Everything is out in the open. There’s zero privacy, total transparency everywhere you look, and it feels like every single move you make is being tracked or scrutinized by someone. The game has changed, and frankly, it's frustrating as hell.👎

I’m just going to quote this. I honestly can’t even begin to wrap my head around how some people operate. It’s like we’re living in a completely different reality where logic just goes to die. I was sitting there, just trying to make sense of the latest mess, and I found myself staring at the wall for ten minutes straight because nothing added up. It's infuriating! You try to follow the rules, you try to do things by the book, and then someone comes along and flips the table just because they feel like it. It’s exhausting. Seriously, does anyone actually care about consistency anymore? Or is it all just one big, chaotic circus? I’m tellin' ya, I'm reaching my limit with this nonsense.
I don't even know where to start with this. Honestly, I’m just sitting here fuming. You see these things happen, and you think, "Surely, there's some level of oversight," but no. It's just total chaos. It reminds me of that time I was dealing with my own credit issues—you know, back when I was trying to sort things out with Equifax? A complete nightmare. Just endless loops of bureaucracy and zero accountability. And now we're seeing this same kind of systemic mess again. It's infuriating! People are being treated like numbers on a spreadsheet instead of actual human beings with lives and responsibilities. And don't even get me started on how the institutions handle these discrepancies. There’s no logic to it. It’s all just broken pieces of a system that should have been fixed decades ago. I’m tired of the excuses. I am genuinely exhausted by the lack of transparency. We deserve better than this constant cycle of incompetence. It’s absolutely maddening.

I honestly don't even know where to start with this one. It’s just... it’s exhausting. You see these things happening, you read the news, and you realize how much of a mess everything is. I was sitting there, nursing my coffee, thinking about how we're supposed to trust the system when the foundation is this shaky? It makes me want to scream. It's all just noise at this point, isn't it? Just endless, frustrating noise. Kimberly Nguyen says: It’s just funny how you can talk all about everything else, but there isn't a single shred of evidence to show you actually rented out any apartments. 😉

🙂

The lawmakers basically told you that you can't

I mean, Google is an incredible tool, no doubt about it

but honestly? I have no idea if people out there even realize our local regulations are set up this way.

Jamie Newman5 said:18 years at 10%?!?

Fine. I'll pull all my cash out of Mexico and Mexico right now and hand it to whoever can guarantee me 10% for the next 18 years! Actually, let's go further... I'll sell the house, the vacation home, everything I own, dump it all into your "guaranteed" 10%, and then just buy everything back on a mortgage at 4.99%. If inflation stays around 3%, I'm looking at a clean 2% profit. Brilliant!

P.S. DM me the name of this fund that pays 10% for 18 years. Thanks.

P.S. The effective rate on housing savings is closer to ten percent. There's no risk (funds are backed by State Farm), the subsidies aren't going to keep dropping forever, and there's a path toward getting favorable loans, which might be worth something to kids one day...

Funds are a decent way to invest, obviously, but unlike housing savings—which is pretty passive and doesn't swing wildly every month—funds are active. They force you to constantly check the ticker, which leads to anxiety when things dip and fake euphoria when they spike.

I'm still sticking by housing savings.

It used to be 10%. Now? It’s sitting at around 7%. Just pathetic.
Look, I have absolutely nothing against her personally—really, I don't—but we need to be smart here. We cannot just sit on our hands. This is the moment to strike while the iron is hot and actually put those funds to work. If we waste this window of opportunity, we’re just throwing money down the drain.
Honestly, we might as well just grab some residential properties right now just to make sure we capitalize on those DPS tax advantages while they’re actually still on the table.

And when it comes to savings accounts... honestly, you’ve got it completely backwards. I mean, really. When those mortgage rates first started moving, the interest being promised back then was absolutely fantastic—it was gold. But look, five years have passed since then, and the entire landscape has shifted under our feet. Once people reached the end of their fixed-term savings periods, they realized that pivoting toward a standard loan structure actually made way more sense than sticking to the old ways. Here is why:
Interest rates. Again. Honestly, I feel like we’re just circling the drain with this entire situation. Every time you turn around, there’s another headline about the Fed shifting gears, and frankly, I’m exhausted by the constant back-and-forth. It feels like we're being jerked around by people who can't make up their minds, and it's the everyday American—the ones actually trying to build a life, buy a house, or even just keep a savings account from evaporating—who ends up paying the price for their indecision. I was talking to a friend of mine in Chicago the other day—someone who’s been trying to navigate the mortgage market for months—and the frustration in her voice was palpable. It’s not just numbers on a screen; it’s real life. It’s the difference between finally getting those keys to a new home or being stuck renting indefinitely because the math just doesn't work anymore. We're told these hikes are necessary to curb inflation, which I get, intellectually speaking. But when you're staring down the barrel of skyrocketing borrowing costs, "intellectual understanding" doesn't pay the bills. It’s infuriating, really. How much more volatility are we expected to absorb before things actually stabilize? It feels like we're perpetually waiting for a calm that never comes.
They honestly thought—and I mean they truly, deeply lacked any sense of reality here—that they could just scrape by on those meager savings, maybe one or two small accounts if they were lucky, and somehow walk away with a condo. It’s delusional. They clearly didn't do the math, or more likely, they refused to even look at the numbers. You can't just save up pennies and expect to compete in today's housing market. It's a fantasy. 😲
The whole damn thing is rigged. You’ve got these massive loans where the entire lump sum has to be wired directly to the seller—whether you're buying a house or just trying to fund some major renovations—and frankly, it’s a total slap in the face to anyone trying to manage their own money. It just doesn't sit right with people anymore. We're out here working our tails off, yet we don't even get the autonomy to handle our own capital during the transaction? It’s frustrating, it’s outdated, and quite honestly, it’s driving people crazy.

Jamie Newman5 said:18 years at 10%?!?

Fine. I'll pull all my cash out of Mexico and Mexico right now and hand it to whoever can guarantee me 10% for the next 18 years! Actually, let's go further... I'll sell the house, the vacation home, everything I own, dump it all into your "guaranteed" 10%, and then just buy everything back on a mortgage at 4.99%. If inflation stays around 3%, I'm looking at a clean 2% profit. Brilliant!

P.S. DM me the name of this fund that pays 10% for 18 years. Thanks.

P.S. The effective rate on housing savings is closer to ten percent. There's no risk (funds are backed by State Farm), the subsidies aren't going to keep dropping forever, and there's a path toward getting favorable loans, which might be worth something to kids one day...

Funds are a decent way to invest, obviously, but unlike housing savings—which is pretty passive and doesn't swing wildly every month—funds are active. They force you to constantly check the ticker, which leads to anxiety when things dip and fake euphoria when they spike.

I'm still sticking by housing savings.

Look, when it comes to certain things in life—especially when you’re talking about money—you can't just sit around waiting for a miracle. You actually have to put in the work. You have to do your due diligence. There aren't any shortcuts if you want to see real results. That being said, we have to be realistic here: most mutual funds are meant to be long-term plays. It's a marathon, not a sprint, and if you're looking for a quick buck by next Tuesday, you're looking in the wrong place.

Jamie Newman5 said:18 years at 10%?!?

Fine. I'll pull all my cash out of Mexico and Mexico right now and hand it to whoever can guarantee me 10% for the next 18 years! Actually, let's go further... I'll sell the house, the vacation home, everything I own, dump it all into your "guaranteed" 10%, and then just buy everything back on a mortgage at 4.99%. If inflation stays around 3%, I'm looking at a clean 2% profit. Brilliant!

P.S. DM me the name of this fund that pays 10% for 18 years. Thanks.

P.S. The effective rate on housing savings is closer to ten percent. There's no risk (funds are backed by State Farm), the subsidies aren't going to keep dropping forever, and there's a path toward getting favorable loans, which might be worth something to kids one day...

Funds are a decent way to invest, obviously, but unlike housing savings—which is pretty passive and doesn't swing wildly every month—funds are active. They force you to constantly check the ticker, which leads to anxiety when things dip and fake euphoria when they spike.

I'm still sticking by housing savings.

I completely agree, but like I’ve been saying, we really need to make the most of this window while the funds are actually available. It’s about being strategic—shuffling things around, putting a little bit here and a little bit there depending on what the liquidity looks like at the moment. We can't just sit on our hands.

You know what would actually be a game-changer for kids? We need to start giving them a real way to engage with money early on by opening dedicated youth savings accounts. I’ve been hearing that Goldman Sachs is actually pretty solid for this kind of thing. It shouldn't just be about holding onto cash, though; it should be an educational tool where you teach them the discipline of saving. If the bank actually rewards that behavior—you know, throwing in little incentives or small gifts to keep them motivated—it makes the whole concept tangible. Plus, if they can get decent interest rates on liquid savings, it gives them a real sense of watching their money grow. It’s about building those habits now before they head off to college or whatever comes next.

Look, this isn't even a question for the Federal Election Commission; it’s strictly a matter for the Hub

Let me break this down simply for everyone here:

The Federal Election Commission — they handle providing banks with info regarding a person's credit history when someone applies for a loan.
The Hub — they provide banks with data on anyone with bad credit standing, whether it's from a standard loan or an overdraft, regardless of whether you're acting as the primary debtor, a co-signer, or a guarantor.

So, @marvelN, if you're on the Hub's radar or not is something you can verify at any bank. Whether or not you get flagged depends entirely on the specific bank where you defaulted. If they decide to put you on their internal blacklist, you automatically end up on the Hub, and you stay on record there for three years after the debt is settled. Now, that doesn't mean you're barred from getting a loan for those three years, but it does mean the bank is going to be way more cautious—meaning they'll demand much heavier collateral if you try to apply.

At the end of the day, when people realize they can't meet their obligations, they need to actually walk into the bank and talk, not run away from them like the devil is chasing them.
Believe it or not, sometimes a bank can actually work with you and help you navigate a crisis.
Just because your employer failed to pay your salary doesn't mean your obligation to pay your bills just disappears, nor does it excuse you from it. But if you had actually gone to the bank—talked to some manager or even just a teller—they might have been able to set something up for you...
It is absolutely not in the interest of banks (at least not the big ones) to deal with bad loans, because it spikes their risk profile, which looks terrible to the big players and the Federal Reserve.

After everything that’s been dragged through the mud and reported all over the news lately... I honestly cannot wrap my head around the people who still have the nerve to ask if those predatory loans—you know, the sketchy ones you see plastered on telephone poles or tucked away in some random Craigslist ad—are actually "okay."

Look, maybe I’m just being dense here, but I am truly struggling to grasp the logic.

I have to admit, I haven't heard of a deal quite like this one before...

Look, I’m sorry, but I honestly cannot wrap my head around the fact that there are still people out there asking if loans secured against classified ads are "shady" business... especially when you look at this specific setup. I mean, seriously? What happens if you end up totaling your car? It’s common sense!

I honestly don't get it—whose car even is this?

Gregory Walker15 said:Ngh, they really love making things complicated, don't they? 🙄 😁

It’s a valid concern, and one I've been wondering about myself... I know a standard checking account is usually for paychecks or irregular income, but if someone—like an uncle, a grandmother, or just a distant relative—transfers money to my account, is that automatically taxed? Does it count toward that threshold of roughly $3333 after which parents might lose their child tax credit?

I'm a bit lost here, but I know you all are experts on these matters... so, why not ask? 😁

Grandmas, grandpas, uncles, aunts, neighbors, friends—whoever, let them send cash to a standard checking account... JUST DON'T use a business account (you'll deal with taxes and all that other nonsense)...
Business accounts are strictly for professional fees and side hustles.

At Chase, they have specific student accounts 🤔 for kids aged 0-18... you just head down there with a mom or dad... they sign a mountain of paperwork, and then you can withdraw cash yourself and pay for things on debit cards.

Look, you can actually open either type of account if you get written consent from one of your parents. But here’s the kicker: since the funds technically belong to them, you won't have full control over the cash—your parents will be the ones calling the shots on the balance...
It’ll probably run you about $5 a year in fees, if I had to guess.

That being said, some banks offer specific accounts designed for minors under 18 where you actually *do* get to manage your own money without asking permission for every little thing... honestly, I have no clue what the exact maintenance fees are for those specific setups.

But why though... did you have some kind of terrible experience with them?

jadesailor14 said:Veronica?
I mean, isn't she just a doctor?
She doesn't even work at a hospital or anything like that.

Do you happen to know her last name? Maybe then I'll remember... I can't recall anyone by just their first name.

vividowl10 said:Thanks, Kimberly Nguyen,

Look, please don't treat me like I'm some kind of idiot here—I genuinely have no clue if UnitedHealth Group operates as a private clinic or what their deal is.
The thing is, he doesn't actually have insurance coverage here in the States, even though he is an American citizen.

Honestly, I have no idea why you'd think you need to be treated like an idiot.😕

It’s definitely a private clinic. A nurse who used to work there actually came over with that doctor... they both used to work in oncology back in the day. Now, which hospital was it? I can't quite recall... that was at least six years ago.

When my dad’s cancer first started acting up, we rushed all his test results over to Medtronic in Chicago... There was this one doctor there—I can't quite recall her name, but she had this dark hair and was incredibly striking—who specialized specifically in oncology cases....
We went there specifically seeking a third opinion, and honestly, she was the only one who actually gave us straight answers and honest prognoses. Even when what she told us was absolutely gut-wrenching, she ended up being right about everything in the end...

First off, you’ve gotta eat fruit on its own... it really should just pass straight through your stomach... if you wait until the end of a meal when your stomach is already totally stuffed, it just "gets stuck" right at the top...

George Barrett35 said:It’s strange. Just two weeks ago at that shop over in Times Square, I picked up some new shoes, and when I went to pay, the cashier gave me a perfectly polite offer to buy them now pay later using my Maestro card. There was even a massive sign right there on the counter by the register advertising Chase Maestro installment plans.
It started out as just being able to shop at Whole Foods, but now it feels like pretty much everywhere—except maybe gas stations and corner convenience stores—they’re offering you the chance to buy now pay later. 😬

That is absolutely ridiculous... her wife was even pointing out the commercials, yet this one is acting like we don't even have that option 🤣

I was over at the Macy's in Times Square earlier and they wouldn't take the card... some lady tried asking one of the clerks about it... and honestly? This girl didn't have a single clue what she was talking about 🤣

amberorca192 said:isn't that right? 😠 😠 😠

Don't get so worked up🙂

off: I see you're back to being a total loose cannon again😉

Nathan Ramos44 said:He used to be a total dance icon as a vocalist,

I’m sorry, but I just have to 😂 😂 😂

Brenda Gray5 said:But honestly, if you’re looking at a $100,000 loan, you’d need to be pulling in maybe $70,000 or $80,000 a year. If you actually had that kind of income, you wouldn't even need to worry about a mortgage

That isn't exactly how the math works, unless we're talking about a super short repayment term...

And just because someone is earning a high salary doesn't mean they don't have a legitimate need for credit. People have expenses! Life happens!

The folks making way less than that definitely have the need, they just don't meet the bank's ridiculous requirements. At least the high earners actually have the creditworthiness to get through the door.