Recent content by Kyuuryou

  1. K

    Does this seem like a good loan?

    Thanks Krazy, that is a great idea. I do have an account with a credit union thats been open for about 5 years.
  2. K

    Does this seem like a good loan?

    *sigh* I make 4k a month after taxes and 401k. I already bought a house earlier this year and have $938 a month mortgage. I don't have any debt. I can handle paying back this loan. And I never said he doesn't have income. He makes about $1300 after taxes a month(while in school) and lives...
  3. K

    Does this seem like a good loan?

    Thanks for all the input. He did goto the school, they pointed him to Sallie Mae after he got denied somewhere else.
  4. K

    Does this seem like a good loan?

    :) I understand cosigning is a stupid thing to do.
  5. K

    Does this seem like a good loan?

    My best friend has asked me to cosign for his school loan. He is going to goto school for a year for HVAC certification. This school is run by the city(Austin). It looks like it will cost around $22,000 when it's all said and done. I have a direct loan from the govt for my schooling and that...
  6. K

    Question about credit cards and transfering balances

    Crap. Big hole in the plan. It looks like I can't transfer between 3 & 4 because they are both BOA cards. I transfered the balance from 2 to 3 just now. I'm going to wait a month and then call 3(Chase) and see if they can lower my APR and balance transfer APR so I can shuffle off of BOA and...
  7. K

    Question about credit cards and transfering balances

    Alright! I didn't think anyone would really care about the big picture so I just posted a simple sample situation to make sure the whole transferring back and forth thing was OK. Since you guys are so helpful I'll post all the juicy details and what I plan to do. Card | Balance | Max | APR 1...
  8. K

    Question about credit cards and transfering balances

    I plan on it. Even if I don't it will just go back to 12%. The problem with the 29 rate was I got what I was thought was ambitious and payed above what I thought my payment would be be too early once. It was usually $190 but I payed $300. However, i did this during what was still the previous...
  9. K

    Question about credit cards and transfering balances

    Bank of America The fees arent too bad esp considering I would have 0% APR until the card is paid off!
  10. K

    Question about credit cards and transfering balances

    So. I have 2 cards I'm trying to pay off. Balance | Max | APR $9000 | $19000 | 12% $3000 | $12000 | 29% (payment mixup made it goto max) I have an offer on the $9000 card for 0% balance transfer. Reading the fine print says that if I transfer a balance, any payment I make will goto the...
  11. K

    Salary negotiation question

    Link to salary.com report for the area
  12. K

    Salary negotiation question

    Thanks for all your advice. I do think they will give it to me, but like one person posted its not too big of a difference. I think Im just going to stick with the 58.5 and not be greedy. It's not a defense company. Just a big well known company.
  13. K

    Salary negotiation question

    I'm a computer science major from a university that isn't one of the big important ones. I've interned at this company in Austin for the past 3 and half years for a total of about 2 years employment. The other day my manager calls me up and tells me HR is going to call soon and make me an...