"Brooklyn1" > wrote in message
...
> On Tue, 19 Aug 2014 18:20:15 -0700, "Cheri" >
> wrote:
>
>>
>>"Mayo" > wrote in message ...
>>> On 8/19/2014 5:23 PM, Cheri wrote:
>>>>
>>>> "Mayo" > wrote in message
>>>> ...
>>>>> On 8/19/2014 1:46 PM, Cheri wrote:
>>>>>>
>>>>>>
>>>>>>> On 8/19/2014 1:00 PM, Sqwertz wrote:
>>>>>>
>>>>>>>> They're
>>>>>>>> charging you simply because they're greedy *******s.
>>>>>>>>
>>>>>>>> -sw
>>>>>>
>>>>>> And first in line for a bailout too.
>>>>>>
>>>>>> Cheri
>>>>>
>>>>> Because we all know less damage would have happened had they simply
>>>>> failed, yes?
>>>>
>>>> Which has nothing at all to do with being greedy *******s, not giving
>>>> back to their customers but expecting a bailout when things go wrong.
>>>> Their fees are ridiculous.
>>>>
>>>> Cheri
>>>
>>> Giving back what to their customers, less fees?
>>
>>Yes, they have raised fees for checking, checks, credit cards, out of
>>system
>>ATM use etc.
>
> I've never paid a fee for checking or credit cards, I don't even pay
> for checks, I get all I want for free... just have to keep a minimum
> balance. I've never used an ATM. The bank I use in town still has
> passbook accounts, I have one for nostalgic purposes, they are a good
> way to save, better than a piggy bank because they pay interest... I
> pride myself in using my passbook account for deposits only, never
> made a withdrawal in the eleven years I have it.

I paid fees years ago. Late 70's to early 80's. I can't remember which
bank that was but they just kept tacking on more and more fees. 25 cents
for each check I wrote. $25 a year for a Visa card. The capper came when
they tried to make us pay to use the ATM. They sent out a letter to us
telling us that they were trying to go teller free and that in the coming
years they would have no one working inside the bank. They told us that
they would prefer us to use the ATM for everything and that if we needed to
go in and see the teller, we would be charged a fee for doing that. I
immediately switched to the ATM but when they charged me 25 cents to make a
deposit? End of story.

I switched to BECU and have been there ever since. No fees for anything.

"Brooklyn1" > wrote in message
...
> On Tue, 19 Aug 2014 21:32:19 -0700, "Cheri" >
> wrote:
>
>>
>>"Mayo" > wrote in message ...
>>> On 8/19/2014 7:20 PM, Cheri wrote:
>>>>
>>>> "Mayo" > wrote in message
>>>> ...
>>>>> On 8/19/2014 5:23 PM, Cheri wrote:
>>>>>>
>>>>>> "Mayo" > wrote in message
>>>>>> ...
>>>>>>> On 8/19/2014 1:46 PM, Cheri wrote:
>>>>>>>>
>>>>>>>>
>>>>>>>>> On 8/19/2014 1:00 PM, Sqwertz wrote:
>>>>>>>>
>>>>>>>>>> They're
>>>>>>>>>> charging you simply because they're greedy *******s.
>>>>>>>>>>
>>>>>>>>>> -sw
>>>>>>>>
>>>>>>>> And first in line for a bailout too.
>>>>>>>>
>>>>>>>> Cheri
>>>>>>>
>>>>>>> Because we all know less damage would have happened had they simply
>>>>>>> failed, yes?
>>>>>>
>>>>>> Which has nothing at all to do with being greedy *******s, not giving
>>>>>> back to their customers but expecting a bailout when things go wrong.
>>>>>> Their fees are ridiculous.
>>>>>>
>>>>>> Cheri
>>>>>
>>>>> Giving back what to their customers, less fees?
>>>>
>>>> Yes, they have raised fees for checking, checks, credit cards, out of
>>>> system ATM use etc. I would be nice to lower the fees once in awhile
>>>> especially when holding out your hand for bailouts from the taxpayers.
>>>>
>>>> Cheri
>>>
>>> The best thing they could and have done is to quit writing liar loan
>>> paper.
>>
>>You think!
>>
>>Cheri
>
> Banks don't fail, people fail... personal debt has grown out of
> control... very few people have savings anymore, hardly anyone owns
> anything... 95% of late model cars on the road are leased.

What? I dun think so Lucy.

"Mayo" > wrote in message ...
> On 8/20/2014 8:35 AM, Brooklyn1 wrote:
>> On Tue, 19 Aug 2014 21:32:19 -0700, "Cheri" >
>> wrote:
>>
>>>
>>> "Mayo" > wrote in message ...
>>>> On 8/19/2014 7:20 PM, Cheri wrote:
>>>>>
>>>>> "Mayo" > wrote in message
>>>>> ...
>>>>>> On 8/19/2014 5:23 PM, Cheri wrote:
>>>>>>>
>>>>>>> "Mayo" > wrote in message
>>>>>>> ...
>>>>>>>> On 8/19/2014 1:46 PM, Cheri wrote:
>>>>>>>>>
>>>>>>>>>
>>>>>>>>>> On 8/19/2014 1:00 PM, Sqwertz wrote:
>>>>>>>>>
>>>>>>>>>>> They're
>>>>>>>>>>> charging you simply because they're greedy *******s.
>>>>>>>>>>>
>>>>>>>>>>> -sw
>>>>>>>>>
>>>>>>>>> And first in line for a bailout too.
>>>>>>>>>
>>>>>>>>> Cheri
>>>>>>>>
>>>>>>>> Because we all know less damage would have happened had they simply
>>>>>>>> failed, yes?
>>>>>>>
>>>>>>> Which has nothing at all to do with being greedy *******s, not
>>>>>>> giving
>>>>>>> back to their customers but expecting a bailout when things go
>>>>>>> wrong.
>>>>>>> Their fees are ridiculous.
>>>>>>>
>>>>>>> Cheri
>>>>>>
>>>>>> Giving back what to their customers, less fees?
>>>>>
>>>>> Yes, they have raised fees for checking, checks, credit cards, out of
>>>>> system ATM use etc. I would be nice to lower the fees once in awhile
>>>>> especially when holding out your hand for bailouts from the taxpayers.
>>>>>
>>>>> Cheri
>>>>
>>>> The best thing they could and have done is to quit writing liar loan
>>>> paper.
>>>
>>> You think!
>>>
>>> Cheri
>>
>> Banks don't fail, people fail...
>
> Semantics.
>
>> personal debt has grown out of
>> control... very few people have savings anymore, hardly anyone owns
>> anything... 95% of late model cars on the road are leased.
>
>
> It would be nice if you had a clue what you're misrepresenting here.
>
> http://www.hispanicbusiness.com/2013...tcies_down.htm
>
> U.S. Consumer Debt and Bankruptcies Down
> August 5, 2013
>
> https://secure.marke****ch.com/story...ain-2013-05-14
>
> WASHINGTON (Marke****ch) — The total amount of debt held by Americans fell
> again in the first three months of the year and stood at the lowest level
> since the middle of 2006, the New York Federal Reserve said Tuesday.
>
> The steady retreat in household debt is a good sign for the economy. With
> fewer loans to pay off, Americans are in a better position to spend and
> drive U.S. growth higher, especially if they become more confident about
> the future. Many economists have cited weak household finances as a chief
> cause of the slow U.S. recovery nearly four years after the Great
> Recession ended.
>
> The level of household debt in the first quarter fell by $110 billion, or
> 1%, to $11.23 trillion, mainly because consumers reduced mortgage balances
> and used their credit cards less.
>
> Household debt is now 11.4% lower versus a peak of $12.68 trillion in
> 2008.
>
> Mortgage debt slid to $7.93 trillion from $8.03 trillion to mark the
> lowest amount since late 2006. Mortgage debt fell in the first quarter
> even though more home loans were issued than in the last three months of
> 2012.
>
> Lower interest rates have allowed many homeowners to refinance their
> mortgages and sharply reduce their monthly payments.

We have a mortgage and two car loans. When and if that owed VA money comes
in, my car will be paid in full. In the meantime, it likely will be paid
off early anyhoo. Husband has been paying on his car for longer so it is
due to be paid off sooner. Daughter will get her car free and clear. We
owe nothing else to anyone.

"Brooklyn1" > wrote in message
...
> On Tue, 19 Aug 2014 18:17:44 -0700, "Cheri" >
> wrote:
>
>>
>>"Brooklyn1" > wrote in message
. ..
>>> "Cheri" wrote:
>>>>"Mayo" wrote:
>>>>> Cheri wrote:
>>>>>>>Sqwertz wrote:
>>>>>>
>>>>>>>> They're charging you simply because they're greedy *******s.
>>>>>>
>>>>>> And first in line for a bailout too.
>>>>>
>>>>> Because we all know less damage would have happened had they simply
>>>>> failed, yes?
>>>>
>>>>Which has nothing at all to do with being greedy *******s, not giving
>>>>back
>>>>to their customers but expecting a bailout when things go wrong. Their
>>>>fees
>>>>are ridiculous.
>>>
>>> Fees? What fees? I've never been charged any fees.
>>
>>I don't pay the fees, but many people do. They have been in the news in CA
>>for their practices.
>>
>>Cheri
>
> They pay fees because they are in debt... they should pay fees, and
> higher fees... I hate subsidizing the losers. If not for all the
> indebted losers I'd receive much higher interest on my savings.

That's not true. Some banks simply charge fees for things.

On 8/21/2014 12:42 AM, Julie Bove wrote:
>
> "Mayo" > wrote in message ...
>> On 8/20/2014 8:35 AM, Brooklyn1 wrote:
>>> On Tue, 19 Aug 2014 21:32:19 -0700, "Cheri" >
>>> wrote:
>>>
>>>>
>>>> "Mayo" > wrote in message
>>>> ...
>>>>> On 8/19/2014 7:20 PM, Cheri wrote:
>>>>>>
>>>>>> "Mayo" > wrote in message
>>>>>> ...
>>>>>>> On 8/19/2014 5:23 PM, Cheri wrote:
>>>>>>>>
>>>>>>>> "Mayo" > wrote in message
>>>>>>>> ...
>>>>>>>>> On 8/19/2014 1:46 PM, Cheri wrote:
>>>>>>>>>>
>>>>>>>>>>
>>>>>>>>>>> On 8/19/2014 1:00 PM, Sqwertz wrote:
>>>>>>>>>>
>>>>>>>>>>>> They're
>>>>>>>>>>>> charging you simply because they're greedy *******s.
>>>>>>>>>>>>
>>>>>>>>>>>> -sw
>>>>>>>>>>
>>>>>>>>>> And first in line for a bailout too.
>>>>>>>>>>
>>>>>>>>>> Cheri
>>>>>>>>>
>>>>>>>>> Because we all know less damage would have happened had they
>>>>>>>>> simply
>>>>>>>>> failed, yes?
>>>>>>>>
>>>>>>>> Which has nothing at all to do with being greedy *******s, not
>>>>>>>> giving
>>>>>>>> back to their customers but expecting a bailout when things go
>>>>>>>> wrong.
>>>>>>>> Their fees are ridiculous.
>>>>>>>>
>>>>>>>> Cheri
>>>>>>>
>>>>>>> Giving back what to their customers, less fees?
>>>>>>
>>>>>> Yes, they have raised fees for checking, checks, credit cards, out of
>>>>>> system ATM use etc. I would be nice to lower the fees once in awhile
>>>>>> especially when holding out your hand for bailouts from the
>>>>>> taxpayers.
>>>>>>
>>>>>> Cheri
>>>>>
>>>>> The best thing they could and have done is to quit writing liar loan
>>>>> paper.
>>>>
>>>> You think!
>>>>
>>>> Cheri
>>>
>>> Banks don't fail, people fail...
>>
>> Semantics.
>>
>>> personal debt has grown out of
>>> control... very few people have savings anymore, hardly anyone owns
>>> anything... 95% of late model cars on the road are leased.
>>
>>
>> It would be nice if you had a clue what you're misrepresenting here.
>>
>> http://www.hispanicbusiness.com/2013...tcies_down.htm
>>
>>
>> U.S. Consumer Debt and Bankruptcies Down
>> August 5, 2013
>>
>> https://secure.marke****ch.com/story...ain-2013-05-14
>>
>>
>> WASHINGTON (Marke****ch) — The total amount of debt held by Americans
>> fell again in the first three months of the year and stood at the
>> lowest level since the middle of 2006, the New York Federal Reserve
>> said Tuesday.
>>
>> The steady retreat in household debt is a good sign for the economy.
>> With fewer loans to pay off, Americans are in a better position to
>> spend and drive U.S. growth higher, especially if they become more
>> confident about the future. Many economists have cited weak household
>> finances as a chief cause of the slow U.S. recovery nearly four years
>> after the Great Recession ended.
>>
>> The level of household debt in the first quarter fell by $110 billion,
>> or 1%, to $11.23 trillion, mainly because consumers reduced mortgage
>> balances and used their credit cards less.
>>
>> Household debt is now 11.4% lower versus a peak of $12.68 trillion in
>> 2008.
>>
>> Mortgage debt slid to $7.93 trillion from $8.03 trillion to mark the
>> lowest amount since late 2006. Mortgage debt fell in the first quarter
>> even though more home loans were issued than in the last three months
>> of 2012.
>>
>> Lower interest rates have allowed many homeowners to refinance their
>> mortgages and sharply reduce their monthly payments.
>
> We have a mortgage and two car loans. When and if that owed VA money
> comes in, my car will be paid in full. In the meantime, it likely will
> be paid off early anyhoo. Husband has been paying on his car for longer
> so it is due to be paid off sooner. Daughter will get her car free and
> clear. We owe nothing else to anyone.


You represent the present trend in paying down debt and avoiding adding
more.

On 8/21/2014 9:30 AM, Mayo wrote:
> On 8/21/2014 12:42 AM, Julie Bove wrote:
>>
>> "Mayo" > wrote in message ...
>>> On 8/20/2014 8:35 AM, Brooklyn1 wrote:
>>>> On Tue, 19 Aug 2014 21:32:19 -0700, "Cheri" >
>>>> wrote:
>>>>
>>>>>
>>>>> "Mayo" > wrote in message
>>>>> ...
>>>>>> On 8/19/2014 7:20 PM, Cheri wrote:
>>>>>>>
>>>>>>> "Mayo" > wrote in message
>>>>>>> ...
>>>>>>>> On 8/19/2014 5:23 PM, Cheri wrote:
>>>>>>>>>
>>>>>>>>> "Mayo" > wrote in message
>>>>>>>>> ...
>>>>>>>>>> On 8/19/2014 1:46 PM, Cheri wrote:
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>> On 8/19/2014 1:00 PM, Sqwertz wrote:
>>>>>>>>>>>
>>>>>>>>>>>>> They're
>>>>>>>>>>>>> charging you simply because they're greedy *******s.
>>>>>>>>>>>>>
>>>>>>>>>>>>> -sw
>>>>>>>>>>>
>>>>>>>>>>> And first in line for a bailout too.
>>>>>>>>>>>
>>>>>>>>>>> Cheri
>>>>>>>>>>
>>>>>>>>>> Because we all know less damage would have happened had they
>>>>>>>>>> simply
>>>>>>>>>> failed, yes?
>>>>>>>>>
>>>>>>>>> Which has nothing at all to do with being greedy *******s, not
>>>>>>>>> giving
>>>>>>>>> back to their customers but expecting a bailout when things go
>>>>>>>>> wrong.
>>>>>>>>> Their fees are ridiculous.
>>>>>>>>>
>>>>>>>>> Cheri
>>>>>>>>
>>>>>>>> Giving back what to their customers, less fees?
>>>>>>>
>>>>>>> Yes, they have raised fees for checking, checks, credit cards,
>>>>>>> out of
>>>>>>> system ATM use etc. I would be nice to lower the fees once in awhile
>>>>>>> especially when holding out your hand for bailouts from the
>>>>>>> taxpayers.
>>>>>>>
>>>>>>> Cheri
>>>>>>
>>>>>> The best thing they could and have done is to quit writing liar loan
>>>>>> paper.
>>>>>
>>>>> You think!
>>>>>
>>>>> Cheri
>>>>
>>>> Banks don't fail, people fail...
>>>
>>> Semantics.
>>>
>>>> personal debt has grown out of
>>>> control... very few people have savings anymore, hardly anyone owns
>>>> anything... 95% of late model cars on the road are leased.
>>>
>>>
>>> It would be nice if you had a clue what you're misrepresenting here.
>>>
>>> http://www.hispanicbusiness.com/2013...tcies_down.htm
>>>
>>>
>>>
>>> U.S. Consumer Debt and Bankruptcies Down
>>> August 5, 2013
>>>
>>> https://secure.marke****ch.com/story...ain-2013-05-14
>>>
>>>
>>>
>>> WASHINGTON (Marke****ch) — The total amount of debt held by Americans
>>> fell again in the first three months of the year and stood at the
>>> lowest level since the middle of 2006, the New York Federal Reserve
>>> said Tuesday.
>>>
>>> The steady retreat in household debt is a good sign for the economy.
>>> With fewer loans to pay off, Americans are in a better position to
>>> spend and drive U.S. growth higher, especially if they become more
>>> confident about the future. Many economists have cited weak household
>>> finances as a chief cause of the slow U.S. recovery nearly four years
>>> after the Great Recession ended.
>>>
>>> The level of household debt in the first quarter fell by $110 billion,
>>> or 1%, to $11.23 trillion, mainly because consumers reduced mortgage
>>> balances and used their credit cards less.
>>>
>>> Household debt is now 11.4% lower versus a peak of $12.68 trillion in
>>> 2008.
>>>
>>> Mortgage debt slid to $7.93 trillion from $8.03 trillion to mark the
>>> lowest amount since late 2006. Mortgage debt fell in the first quarter
>>> even though more home loans were issued than in the last three months
>>> of 2012.
>>>
>>> Lower interest rates have allowed many homeowners to refinance their
>>> mortgages and sharply reduce their monthly payments.
>>
>> We have a mortgage and two car loans. When and if that owed VA money
>> comes in, my car will be paid in full. In the meantime, it likely will
>> be paid off early anyhoo. Husband has been paying on his car for longer
>> so it is due to be paid off sooner. Daughter will get her car free and
>> clear. We owe nothing else to anyone.
>
>
> You represent the present trend in paying down debt and avoiding adding
> more.

This morning, I heard that the average monthly car payment is $474 (this
info was from Experian).

http://drivingsalesnews.com/experian...r-month-in-q1/

We have zero debt and I have paid cash for every car that I bought,
since 1981. Everybody needs to decrease their debt and save more money,
but you know that, already.

Becca

On 8/21/2014 11:22 AM, Ema Nymton wrote:

>
> This morning, I heard that the average monthly car payment is $474 (this
> info was from Experian).
>
> http://drivingsalesnews.com/experian...r-month-in-q1/
>
>
> We have zero debt and I have paid cash for every car that I bought,
> since 1981. Everybody needs to decrease their debt and save more money,
> but you know that, already.
>
> Becca

I have a car payment but I'm into next year already on the payments.
Unlike most other debt,there is little incentive not to have a car loan
when you can buy with $0 down and 0% interest.

"Ed Pawlowski" > wrote in message
...
> On 8/21/2014 11:22 AM, Ema Nymton wrote:
>
>>
>> This morning, I heard that the average monthly car payment is $474 (this
>> info was from Experian).
>>
>> http://drivingsalesnews.com/experian...r-month-in-q1/
>>
>>
>> We have zero debt and I have paid cash for every car that I bought,
>> since 1981. Everybody needs to decrease their debt and save more money,
>> but you know that, already.
>>
>> Becca
>
> I have a car payment but I'm into next year already on the payments.
> Unlike most other debt,there is little incentive not to have a car loan
> when you can buy with $0 down and 0% interest.

except you can usually trade that for $ off the purchase price.

"Mayo" > wrote in message ...
> On 8/21/2014 12:42 AM, Julie Bove wrote:
>>
>> "Mayo" > wrote in message ...
>>> On 8/20/2014 8:35 AM, Brooklyn1 wrote:
>>>> On Tue, 19 Aug 2014 21:32:19 -0700, "Cheri" >
>>>> wrote:
>>>>
>>>>>
>>>>> "Mayo" > wrote in message
>>>>> ...
>>>>>> On 8/19/2014 7:20 PM, Cheri wrote:
>>>>>>>
>>>>>>> "Mayo" > wrote in message
>>>>>>> ...
>>>>>>>> On 8/19/2014 5:23 PM, Cheri wrote:
>>>>>>>>>
>>>>>>>>> "Mayo" > wrote in message
>>>>>>>>> ...
>>>>>>>>>> On 8/19/2014 1:46 PM, Cheri wrote:
>>>>>>>>>>>
>>>>>>>>>>>
>>>>>>>>>>>> On 8/19/2014 1:00 PM, Sqwertz wrote:
>>>>>>>>>>>
>>>>>>>>>>>>> They're
>>>>>>>>>>>>> charging you simply because they're greedy *******s.
>>>>>>>>>>>>>
>>>>>>>>>>>>> -sw
>>>>>>>>>>>
>>>>>>>>>>> And first in line for a bailout too.
>>>>>>>>>>>
>>>>>>>>>>> Cheri
>>>>>>>>>>
>>>>>>>>>> Because we all know less damage would have happened had they
>>>>>>>>>> simply
>>>>>>>>>> failed, yes?
>>>>>>>>>
>>>>>>>>> Which has nothing at all to do with being greedy *******s, not
>>>>>>>>> giving
>>>>>>>>> back to their customers but expecting a bailout when things go
>>>>>>>>> wrong.
>>>>>>>>> Their fees are ridiculous.
>>>>>>>>>
>>>>>>>>> Cheri
>>>>>>>>
>>>>>>>> Giving back what to their customers, less fees?
>>>>>>>
>>>>>>> Yes, they have raised fees for checking, checks, credit cards, out
>>>>>>> of
>>>>>>> system ATM use etc. I would be nice to lower the fees once in awhile
>>>>>>> especially when holding out your hand for bailouts from the
>>>>>>> taxpayers.
>>>>>>>
>>>>>>> Cheri
>>>>>>
>>>>>> The best thing they could and have done is to quit writing liar loan
>>>>>> paper.
>>>>>
>>>>> You think!
>>>>>
>>>>> Cheri
>>>>
>>>> Banks don't fail, people fail...
>>>
>>> Semantics.
>>>
>>>> personal debt has grown out of
>>>> control... very few people have savings anymore, hardly anyone owns
>>>> anything... 95% of late model cars on the road are leased.
>>>
>>>
>>> It would be nice if you had a clue what you're misrepresenting here.
>>>
>>> http://www.hispanicbusiness.com/2013...tcies_down.htm
>>>
>>>
>>> U.S. Consumer Debt and Bankruptcies Down
>>> August 5, 2013
>>>
>>> https://secure.marke****ch.com/story...ain-2013-05-14
>>>
>>>
>>> WASHINGTON (Marke****ch) — The total amount of debt held by Americans
>>> fell again in the first three months of the year and stood at the
>>> lowest level since the middle of 2006, the New York Federal Reserve
>>> said Tuesday.
>>>
>>> The steady retreat in household debt is a good sign for the economy.
>>> With fewer loans to pay off, Americans are in a better position to
>>> spend and drive U.S. growth higher, especially if they become more
>>> confident about the future. Many economists have cited weak household
>>> finances as a chief cause of the slow U.S. recovery nearly four years
>>> after the Great Recession ended.
>>>
>>> The level of household debt in the first quarter fell by $110 billion,
>>> or 1%, to $11.23 trillion, mainly because consumers reduced mortgage
>>> balances and used their credit cards less.
>>>
>>> Household debt is now 11.4% lower versus a peak of $12.68 trillion in
>>> 2008.
>>>
>>> Mortgage debt slid to $7.93 trillion from $8.03 trillion to mark the
>>> lowest amount since late 2006. Mortgage debt fell in the first quarter
>>> even though more home loans were issued than in the last three months
>>> of 2012.
>>>
>>> Lower interest rates have allowed many homeowners to refinance their
>>> mortgages and sharply reduce their monthly payments.
>>
>> We have a mortgage and two car loans. When and if that owed VA money
>> comes in, my car will be paid in full. In the meantime, it likely will
>> be paid off early anyhoo. Husband has been paying on his car for longer
>> so it is due to be paid off sooner. Daughter will get her car free and
>> clear. We owe nothing else to anyone.
>
>
> You represent the present trend in paying down debt and avoiding adding
> more.

I guess so. And I was really trying to keep the van for longer but when it
started acting up and charging forward when I applied the brakes, I knew it
was time to go. This was a known problem for Windstars and nobody,
including Ford was able to solve the problem. I would rather not be making
two car payments much less one car payment. I also never thought I would
have a brand new car. However, I needed a car that day and could not find a
used car that was any newer than the van for a better price.

"Ema Nymton" > wrote in message
...
> On 8/21/2014 9:30 AM, Mayo wrote:
>> On 8/21/2014 12:42 AM, Julie Bove wrote:
>>>
>>> "Mayo" > wrote in message ...
>>>> On 8/20/2014 8:35 AM, Brooklyn1 wrote:
>>>>> On Tue, 19 Aug 2014 21:32:19 -0700, "Cheri" >
>>>>> wrote:
>>>>>
>>>>>>
>>>>>> "Mayo" > wrote in message
>>>>>> ...
>>>>>>> On 8/19/2014 7:20 PM, Cheri wrote:
>>>>>>>>
>>>>>>>> "Mayo" > wrote in message
>>>>>>>> ...
>>>>>>>>> On 8/19/2014 5:23 PM, Cheri wrote:
>>>>>>>>>>
>>>>>>>>>> "Mayo" > wrote in message
>>>>>>>>>> ...
>>>>>>>>>>> On 8/19/2014 1:46 PM, Cheri wrote:
>>>>>>>>>>>>
>>>>>>>>>>>>
>>>>>>>>>>>>> On 8/19/2014 1:00 PM, Sqwertz wrote:
>>>>>>>>>>>>
>>>>>>>>>>>>>> They're
>>>>>>>>>>>>>> charging you simply because they're greedy *******s.
>>>>>>>>>>>>>>
>>>>>>>>>>>>>> -sw
>>>>>>>>>>>>
>>>>>>>>>>>> And first in line for a bailout too.
>>>>>>>>>>>>
>>>>>>>>>>>> Cheri
>>>>>>>>>>>
>>>>>>>>>>> Because we all know less damage would have happened had they
>>>>>>>>>>> simply
>>>>>>>>>>> failed, yes?
>>>>>>>>>>
>>>>>>>>>> Which has nothing at all to do with being greedy *******s, not
>>>>>>>>>> giving
>>>>>>>>>> back to their customers but expecting a bailout when things go
>>>>>>>>>> wrong.
>>>>>>>>>> Their fees are ridiculous.
>>>>>>>>>>
>>>>>>>>>> Cheri
>>>>>>>>>
>>>>>>>>> Giving back what to their customers, less fees?
>>>>>>>>
>>>>>>>> Yes, they have raised fees for checking, checks, credit cards,
>>>>>>>> out of
>>>>>>>> system ATM use etc. I would be nice to lower the fees once in
>>>>>>>> awhile
>>>>>>>> especially when holding out your hand for bailouts from the
>>>>>>>> taxpayers.
>>>>>>>>
>>>>>>>> Cheri
>>>>>>>
>>>>>>> The best thing they could and have done is to quit writing liar loan
>>>>>>> paper.
>>>>>>
>>>>>> You think!
>>>>>>
>>>>>> Cheri
>>>>>
>>>>> Banks don't fail, people fail...
>>>>
>>>> Semantics.
>>>>
>>>>> personal debt has grown out of
>>>>> control... very few people have savings anymore, hardly anyone owns
>>>>> anything... 95% of late model cars on the road are leased.
>>>>
>>>>
>>>> It would be nice if you had a clue what you're misrepresenting here.
>>>>
>>>> http://www.hispanicbusiness.com/2013...tcies_down.htm
>>>>
>>>>
>>>>
>>>> U.S. Consumer Debt and Bankruptcies Down
>>>> August 5, 2013
>>>>
>>>> https://secure.marke****ch.com/story...ain-2013-05-14
>>>>
>>>>
>>>>
>>>> WASHINGTON (Marke****ch) — The total amount of debt held by Americans
>>>> fell again in the first three months of the year and stood at the
>>>> lowest level since the middle of 2006, the New York Federal Reserve
>>>> said Tuesday.
>>>>
>>>> The steady retreat in household debt is a good sign for the economy.
>>>> With fewer loans to pay off, Americans are in a better position to
>>>> spend and drive U.S. growth higher, especially if they become more
>>>> confident about the future. Many economists have cited weak household
>>>> finances as a chief cause of the slow U.S. recovery nearly four years
>>>> after the Great Recession ended.
>>>>
>>>> The level of household debt in the first quarter fell by $110 billion,
>>>> or 1%, to $11.23 trillion, mainly because consumers reduced mortgage
>>>> balances and used their credit cards less.
>>>>
>>>> Household debt is now 11.4% lower versus a peak of $12.68 trillion in
>>>> 2008.
>>>>
>>>> Mortgage debt slid to $7.93 trillion from $8.03 trillion to mark the
>>>> lowest amount since late 2006. Mortgage debt fell in the first quarter
>>>> even though more home loans were issued than in the last three months
>>>> of 2012.
>>>>
>>>> Lower interest rates have allowed many homeowners to refinance their
>>>> mortgages and sharply reduce their monthly payments.
>>>
>>> We have a mortgage and two car loans. When and if that owed VA money
>>> comes in, my car will be paid in full. In the meantime, it likely will
>>> be paid off early anyhoo. Husband has been paying on his car for longer
>>> so it is due to be paid off sooner. Daughter will get her car free and
>>> clear. We owe nothing else to anyone.
>>
>>
>> You represent the present trend in paying down debt and avoiding adding
>> more.
>
> This morning, I heard that the average monthly car payment is $474 (this
> info was from Experian).
>
> http://drivingsalesnews.com/experian...r-month-in-q1/
>
> We have zero debt and I have paid cash for every car that I bought, since
> 1981. Everybody needs to decrease their debt and save more money, but you
> know that, already.
>
> Becca

That would have been my choice too but we had several strikes against us.
One of which being my being unable to work for many years, but delaying the
application for disability. It is probably good that I did though because
without the last report from the vascular surgeon, I probably would have
been declined. So we were having to make do with one income which wasn't
enough to allow us to save up anything. And then my husband insisted on
buying a house. I still think we would have been much better off
financially had we not bought this money pit. We could have rented an
apartment for half of what we were paying for the mortgage and wouldn't have
had as many utilities to pay or had to pay for all of the repairs that we
did.

"Ed Pawlowski" > wrote in message
...
> On 8/21/2014 11:22 AM, Ema Nymton wrote:
>
>>
>> This morning, I heard that the average monthly car payment is $474 (this
>> info was from Experian).
>>
>> http://drivingsalesnews.com/experian...r-month-in-q1/
>>
>>
>> We have zero debt and I have paid cash for every car that I bought,
>> since 1981. Everybody needs to decrease their debt and save more money,
>> but you know that, already.
>>
>> Becca
>
> I have a car payment but I'm into next year already on the payments.
> Unlike most other debt,there is little incentive not to have a car loan
> when you can buy with $0 down and 0% interest.

Wow! My deal wasn't that good. I was required to take Ford financing
for 4 months in order to get discounts. Ford financing stinks. I can
switch to another bank after that.

On Wednesday, August 20, 2014 9:35:17 AM UTC-5, Brooklyn1 wrote:
>
>
> Banks don't fail, people fail... personal debt has grown out of
>
> control... very few people have savings anymore, hardly anyone owns
>
> anything... 95% of late model cars on the road are leased.

TWENTY five, Sheldon, NOT NINETY five.

"Edmunds.com found that 25 percent of new cars sold this year were
leased, which means the industry is on track to smash last year's
record lease penetration rate of 22 percent."

source--
http://roadloans.com/blog/surge-in-l...ys-edmunds-com

--Bryan