Why are my FICO's so low? I have a large number of inquries but I thought they were capped at about 10% of your score. I have gone from the high 700's to mid 500's. No charge-offs, collections, or missed payments. I havealways paid in full every month, even 0%offers. Could it be that my oldest account is roughly six months?

TransUnion Experian Equifax

TOTAL ACCOUNTS: 8 9 9

OPEN ACCOUNTS: 6 6 6

CLOSED ACCOUNTS: 2 3 3

DELINQUENT: 0 0 0

DEROGATORY: 0 0 0

BALANCES: 21774 21273 21774

PAYMENTS: 511 496 511

PUBLIC RECORDS: 0 0 0

INQUIRIES (2 years): 26 36 32

I am looking for an amortization calculator (I KNOW THEY ARE EVERYWHERE).

But they are all forward looking "IF" I make extra payments.

I want a calculator that will take into account my monthly payment I have now based on my original loan amount.
Take into account that I have already made extra payments (think I already have a 4 or 5 years off)
And show what it will do if I make more regular extra payments.

LongDongSilver said:Which CC still has one-time use # for potentially questionable transactions or vendors? I'm looking for something preferably with cash rebate. My AMEX used to have this feature but not anymore. Thanks!

I believe all Citi cards offer this feature.

cmatthes1 said:I am looking for an amortization calculator (I KNOW THEY ARE EVERYWHERE).

But they are all forward looking "IF" I make extra payments.

I want a calculator that will take into account my monthly payment I have now based on my original loan amount.
Take into account that I have already made extra payments (think I already have a 4 or 5 years off)
And show what it will do if I make more regular extra payments.Try this. Simply enter the loan amount and then enter where you made your extra payments / where you'd like to make future extra payments.

Nevermind. I just discovered googledocs doesn't retain formulas. I created this spreadsheet using an Excel wizard about 3 years ago if you'd like to created your own...

try this instead

First off, I've read through like every forum on here but a lot of the pertinent information is outdated; from 2004 and 2005.

I'm trying to open a Roth IRA inexpensively. I want Free DRIP, free automatic debit from my BofA checking account to the IRA at an amount of $50 every 2 weeks (Payday), I also want a very low initial investment, like $250-500 NOT $2500-$3000 like Vanguard or Fidelity. I would like to be investing in Vanguard or Fidelity indexes until I get around $10k to try other investment options, but cannot afford their initial amounts. I don't mind owning just 1 fund for now until I amass more money to work with. Is there anything like this out there??? It seems that every place I look, I cannot find all of these options. Either I can open an account with Free DRIP, but must deposit like $500 minimum and cannot do an automatic investment plan monthly from my paycheck. I don't necessarily mind paying for actual trades, but I don't want to pay a Lot. So far I've looked into Merrill, Morgan, T. Rowe, Scottrade, Ameritrade, going directly to Vanguard or Fidelity, and a few others. I really would like to go directly with Vanguard right now but don't have the $3000 initial investment.

I've looked into ING funds, but don't like their performance at all. I'd rather keep my money building in their savings for the time being until I get the $3k to open with vanguard.

Background: My financial status is decent. I'm 25 years old. I have around $11k in 401k, maxing out my employer contribution each paycheck. I also have my 6 month safety net in case I lose my job. I have a separate account tucked away that I contribute regularly to, for my first time home purchase. But I would like to be able to put $100 away in an IRA right now until I can get that up to $200 a month. (I have a guaranteed raise in June that will enable that to happen.) Right now I have an ING account titled, Roth IRA, where I have them deduct $50 from each paycheck. But that's just one of their saver accounts and there's only $250 in it.

Any ideas???

I'm specifically looking for Roth IRAs that could hold Index Mutual Funds and maybe eventually place a stock, option or futures trade down the road. If I have to open a separate brokerage account down the road for the stock, option or futures trade, then I’ll do so. but right now, I'm hoping for a cheap, easy, beginner Roth account that will let me build up. I've seen Fidelity's Simple Start as well as T. Rowe Price's Smart Choice but I'm not all about those for some reason. I wish Vanguard had one. Maybe i should call their CEO? hahaha. Yeah, that'd work.

I just moved out of an apartment, and unfortunately I caused a stain on the carpet that could not be removed. However, there was already a stain on there from a previous tenant. Also, I paid a $100 non-refundable carpet cleaning fee already, and they are trying to charge me $75 for the stain because they have to replace it. Any advice? Thanks in advance.

I have tried using insweb and insure.com and I was expecting instant quotes. But I never got any after entering my information. I entered my info about 4 days ago and have only received one email/phone call (from AIG). I did not receive any quotes online when I entered my info, however. Am I doing this correctlY? When should I expect quotes?

CD RATES THREAD

cmatthes1 said:CD RATES THREAD

thanks so much for the link

720 gets thrown around a lot as an answer to that question.