Save your money Vic. I really hope you get the house. :)

I Will Lynn and thanks, but like I said a case bought on credit won't make any differnce, since I still have to pay money to paypal every month.

The seat does need to be installed, that takes cash, I am lucky that I have not been issued a "fix it ticket", yes they do exist, the drivers seat is almost fully reclined, the ratchet is broken, the upright position will not lock anymore...

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Save your money Vic. I really hope you get the house. :)

I Will Lynn and thanks, but like I said a case bought on credit won't make any differnce, since I still have to pay money to paypal every month.

The seat does need to be installed, that takes cash, I am lucky that I have not been issued a "fix it ticket", yes they do exist, the drivers seat is almost fully reclined, the ratchet is broken, the upright position will not lock anymore...

Your welcome Vic. :) Never heard of a fix it ticket? We just have emission tests here. One thing at a time, and you will succeed.

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Save your money Vic. I really hope you get the house. :)

I Will Lynn and thanks, but like I said a case bought on credit won't make any differnce, since I still have to pay money to paypal every month.

The seat does need to be installed, that takes cash, I am lucky that I have not been issued a "fix it ticket", yes they do exist, the drivers seat is almost fully reclined, the ratchet is broken, the upright position will not lock anymore...

Your welcome Vic. :) Never heard of a fix it ticket? We just have emission tests here. One thing at a time, and you will succeed.

And next My seat will repeal the law of gravity...

Fix it tickets refer to broken items, like taillights, anything that is unsafe.

Or this: http://www.wisegeek.org/what-is-a-fix-it-ticket.htm

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

you could just put a bunch of pillows in the car

you could just put a bunch of pillows in the car

And how would that hold the back of the drivers seat up?

In any case I only have one pillow, it's the one I sleep with at night on My bed...

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

i was thinking pillows or something between your back and the seat so that you would be closer to the steering wheel

i was thinking pillows or something between your back and the seat so that you would be closer to the steering wheel

Since the seat is almost entirely flat(in a reclined position), that would be a lot of pillows, I guess I'll have to go and take a pic in the morning, with a side view of the existing drivers seat, to illustrate My point.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Rob there is one thing PC related that I still Will buy, it is a case, since i have a Paypal credit account, buying an Thermaltake X9 case in October Will not make any difference to my cash flow, I'd still need to pay $35.00 a month, no matter what.

I meant exactly what I said - one cent (or more) on computer related stuff and NO DEAL, no $250, zip.

You may think that buying this on your PayPal credit won't hurt your cash flow, but you have to pay that money back, about 150 bucks, and you've also thrown another 250 bucks away, which makes a total of 400 - nearly HALF of one month's income if I recall your income correctly. That is a SERIOUS hit on your cash flow.

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Bob Smith
Member of Seti PIPPS (Pluto is a Planet Protest Society)
Somewhere in the (un)known Universe?

Rob there is one thing PC related that I still Will buy, it is a case, since i have a Paypal credit account, buying an Thermaltake X9 case in October Will not make any difference to my cash flow, I'd still need to pay $35.00 a month, no matter what.

You may think that buying this on your PayPal credit won't hurt your cash flow, but you have to pay that money back, about 150 bucks, and you've also thrown another 250 bucks away, which makes a total of 400 - nearly HALF of one month's income if I recall your income correctly. That is a SERIOUS hit on your cash flow.

It's an open ended credit line, I make payments, one thing I did notice, paypal credit does not get reported like a credit card, so by October I might have enough room on the account to get the case or I might have to wait until November, December is out as that is property tax time($102.65 part 1, part 2 is in April). All the credit report sites say what cards that I have, but Paypal is never mentioned once and I do know what I have.

As to hits, it's just something that I do have to pay on, since Paypal does not effect My credit score, as long as the bill is current, it will be paid down dead last, since that is only usable on ebay and a few other websites.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

buy a house on ebay

buy a house on ebay

Yeah, haha, seriously?

Yeah there are probably lots of Sn3 houses for sale there.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Credit is credit no matter who issues it, Try not paying Paypal and see if it dosent get reported.

As for credit cards, I don't have one anymore. I pay cash for what I need. Yes its damn hard! Things break and need to be fixed. That's why I have a savings account. And yes that too has been down to zero. Credit cards if abused like most Americans who use them, ( and I was one of them ) are a bane. The last 3 years I have learned to live with out them. I actually find I can save more money by not having one.

How much money have you wasted on E-bay junk, That you hoped you could fix? I remember a TV set you thought you could repair. How'd that work out?

Your always saying you don't have a lot of money, But you were buying all the E-bay crap using credit. Stop.

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[/quote]

Old James

Credit is credit no matter who issues it, Try not paying Paypal and see if it doesn't get reported.

As for credit cards, I don't have one anymore. I pay cash for what I need. Yes its damn hard! Things break and need to be fixed. That's why I have a savings account. And yes that too has been down to zero. Credit cards if abused like most Americans who use them, ( and I was one of them ) are a bane. The last 3 years I have learned to live with out them. I actually find I can save more money by not having one.

How much money have you wasted on E-bay junk, That you hoped you could fix? I remember a TV set you thought you could repair. How'd that work out?

Your always saying you don't have a lot of money, But you were buying all the E-bay crap using credit. Stop.

The TV is working fine, the extra power board when it's repaired at a later date will fully power the tv, I knew the power board needed repairs, the board is not cracked and will be as good as new when done.

Can't get a mortgage without a credit score, so far there is only one way to do that.

Oh I know it would.

The cpus I bought, all motherboards that I bought except one that was covered by warranty work.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

While we're Yakking, I also own 4 tires, 2 are on the car, they work perfectly, got them from Discount Tire Warehouse on ebay.

My current desk came from ebay, also works perfectly, so James when it comes to ebay, you do not know what you are talking about. If I hear anymore disparagement, I will regard it as a flame attack and respond appropriately, now toddle along...

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

Vic,
Listen to everyone here - we are all trying to stop you getting into an untenable financial position.
Money you spend paying back your PayPal "open line of credit" is money that you don't have to spend or save for your house.

You have three cards of various types, these are all DEBTS, you have to pay them back, and the terms of the card will dictate the amount you have to pay back each month and the amount of interest and other charges you have to pay. All those repayments come out of your income of about eight hundred dollars a month. Don't count on increases to improve your situation, inflation will see to a fair proportion of those, and in real terms you won't move much further forward.

One thing you have to consider is the changes in the US mortgage rules that now mean a lender has to do checks to make sure that there is a fair probability that you will be able to make the repayments over the term of the loan - you are looking to have a 30 year loan, but are 56 years old. Your immediate family all appear to have "died young", so it is doubtful that you have a thirty year life expectancy.

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Bob Smith
Member of Seti PIPPS (Pluto is a Planet Protest Society)
Somewhere in the (un)known Universe?

Vic,
Listen to everyone here - we are all trying to stop you getting into an untenable financial position.
Money you spend paying back your PayPal "open line of credit" is money that you don't have to spend or save for your house.

You have three cards of various types, these are all DEBTS, you have to pay them back, and the terms of the card will dictate the amount you have to pay back each month and the amount of interest and other charges you have to pay. All those repayments come out of your income of about eight hundred dollars a month. Don't count on increases to improve your situation, inflation will see to a fair proportion of those, and in real terms you won't move much further forward.

One thing you have to consider is the changes in the US mortgage rules that now mean a lender has to do checks to make sure that there is a fair probability that you will be able to make the repayments over the term of the loan - you are looking to have a 30 year loan, but are 56 years old. Your immediate family all appear to have "died young", so it is doubtful that you have a thirty year life expectancy.

What applies to the UK, does not apply in the US, the US is a country, not a colony, you know 1776, Cornwallis defeat, @ Yorktown...

Age discrimination laws, they exist in the US, among other things the UK does not have. No more posts like this, fair warning has been given, otherwise NO Quarter shall be given.

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The T1 Trust, PRR T1 Class 4-4-4-4 #5550, 1 of America's First HST's

People have posted very good advice but you don't seam to pay attention to it or you think you know better than them . your latest "go fund me" is basicly give me the money to get this property , if by some miricle you raised the amount you want how long before there would be another " fundraiser" to stop you getting evicted from the property ??

I could contribute to your fundraisers but there's NO f-ing way that it will happen same as another "fundraiser" here. I work hard for my money and there's no way im giving it to a lost cause and others probably think the same as i do

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Life is what you make of it :-)

When i'm good i'm very good , but when i'm bad i'm shi#eloads better ;-) In't I " buttercups " p.m.s.l at authoritie !!;-)

Sorry Vic, but I was looking at FEDERAL US regulations that came into force in October 2015.
This is part of the reaction to the sub-prime crash a few years back.

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Bob Smith
Member of Seti PIPPS (Pluto is a Planet Protest Society)
Somewhere in the (un)known Universe?