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Turtley Mikey Due October 31; 2 kids; California 50611 posts
19th Feb '13
Quoting Tανη [CNL]:" Did you use Golden 1 or no? I think Credit Unions are pretty good to get low interest rates for cars..."



Did I use Golden 1 for my loan? No, I've never heard of them before. This credit union is only in my area, there are only two of them all together.

I'm His Amy He's My Rory 2 kids; Caldwell, Idaho 49254 posts
19th Feb '13

<blockquote><b>Quoting Mrs. God of Thunder:</b>" OH my god!! My interest on my car was 6.75%, and then I refinanced through my credit union and my interest changed to like 3% and it also knocked my payments down like$50. I was pretty happy."</blockquote>




I know! I about died! But we needed it and it's my first loan without a cosigner so I have to Suck it up. If I had the 9. 9 I had on my car I'd be paying like $198 :-(

I'm His Amy He's My Rory 2 kids; Caldwell, Idaho 49254 posts
19th Feb '13

<blockquote><b>Quoting Tανη [CNL]:</b>" Ohmygosh!!! I know my friend's interest rate on her Odyssey is/was like 13%, and then they just got ... [snip!] ... back in the day. He didn't really understand credit or anything, so he just went along with it and she NEVER paid ANYTHING off."</blockquote>



Ouch :-(. Ours are both crap sadly. We are just starting to build it. I he was stupid and I have a divorce and ex husband who screwed me.

Alba's Mommy 1 child; 1 angel baby; Sacramento, California 4697 posts
19th Feb '13
Quoting Mrs. God of Thunder:" Did I use Golden 1 for my loan? No, I've never heard of them before. This credit union is only in my area, there are only two of them all together."


Oh. I live in Sacramento & work for the State so almost EVERYONE uses Golden 1 here. They deposit your check into your account a day in advance and stuff, so State workers love them. Lol. Plus, they don't charge any fees and they're a credit union too. https://www.golden1.com/home/default

I just looked their locations up. Looks like they're mostly a NorCal thing. They only have a couple of branches in SoCal.

Turtley Mikey Due October 31; 2 kids; California 50611 posts
19th Feb '13
Quoting Tανη [CNL]:" Oh. I live in Sacramento & work for the State so almost EVERYONE uses Golden 1 here. They deposit ... [snip!] ... I just looked their locations up. Looks like they're mostly a NorCal thing. They only have a couple of branches in SoCal."


Oh... I don't live in Cali. I'm in the Midwest. I just wished I lived in Cali. :)

Alba's Mommy 1 child; 1 angel baby; Sacramento, California 4697 posts
19th Feb '13
Quoting I'm His Amy He's My Rory:" <blockquote><b>Quoting Tανη [CNL]:</b>" Ohmygosh!!! I know my friend's ... [snip!] ... Ours are both crap sadly. We are just starting to build it. I he was stupid and I have a divorce and ex husband who screwed me."


If there's one thing I'm grateful for, it's how my mom taught me (and controlled me) when I first started my credit. She would NOT let me overspend. I opened my first Capital One credit card at like 19 and she would only let me use it for gas in my car and made me pay it off every month. Like...she was on me about that. At the time, I was just like "whatever, mom", but now, I'm very, very grateful, knowing that it's helped DH and I a lot.



DH didn't have any credit when we got married, so I helped him along the way (I manage the finances, for the most part) and now our credit scores are about the same...mine is 714 & his is 711. We hardly ever make late payments, we pay off our credit cards each month (which is killing us, really because it totals to about $1300/month), & the only things we allow to accumulate interest is our car payment & our house mortgage.

I plan to do the same thing to Alba when she's old enough to apply for credit.

Alba's Mommy 1 child; 1 angel baby; Sacramento, California 4697 posts
19th Feb '13
Quoting Mrs. God of Thunder:" Oh... I don't live in Cali. I'm in the Midwest. I just wished I lived in Cali. :)"


Ohhhh. I just saw your little thingy at the bottom saying you lived in Cali. Haha.

Turtley Mikey Due October 31; 2 kids; California 50611 posts
19th Feb '13
Quoting Tανη [CNL]:" Ohhhh. I just saw your little thingy at the bottom saying you lived in Cali. Haha."


I figured. :) A lot of people do..

Iron Man 6 kids; 1 angel baby; 1700 posts
19th Feb '13

I entered my kids in a name contest this morning...went back to look at it and vote, and WHOA at some of the girls names. Some of them are just plain bad...

I'm His Amy He's My Rory 2 kids; Caldwell, Idaho 49254 posts
19th Feb '13

<blockquote><b>Quoting Tανη [CNL]:</b>" If there's one thing I'm grateful for, it's how my mom taught me (and controlled me) when I first ... [snip!] ... is our car payment & our house mortgage. I plan to do the same thing to Alba when she's old enough to apply for credit."</blockquote>




I didn't get any kind of card until 2.5 years ago. Before that I had medical bills my husband at the time refused to pay and he bounced checks in my name.

Gir is a Slytherin TTC since May 2012; 3 kids; Iowa 3307 posts
20th Feb '13
Quoting Blue Song:" Bae or Bael for a boy? I just came across it... No idea where the name came from, but I kind of like it..."


Reminds me of the show Once Upon A Time.



Rumpelstiltskin's son is named Baelfire

Gir is a Slytherin TTC since May 2012; 3 kids; Iowa 3307 posts
20th Feb '13
Quoting I'm His Amy He's My Rory:" Bae makes me think of Rumpelstiltskin's son on Once Upon A Time."


:lol:

P & L's Momma 2 kids; Minneapolis, Minnesota 3812 posts
20th Feb '13

My cousin just found out she is having a boy. What are some "cool" names? She told me she liked Riley, Ian, and Noah.

user banned Due September 18 (boy); 1 child; California 21617 posts
20th Feb '13

So we have a list of 4 for each gender, they are our final lists and we love each name on them. We are going to wait until we find out the sex of the baby before we start trying to pick one of them.



Boys-
Luca Maxwell
Elias Jude
Leo Alaric
Miles August



Girls-
Lyra Margaret
Caroline Eloise
Dahlia Juliette
Eliza Rosalind

Mrs.Dani Due July 3; 1 child; 3 angel babies; Oxnard, California 10272 posts
20th Feb '13

Karsyn Dinnen Naomi Rene Scoggins....



This makes me so sad. My poor soon to be niece.