I agree with everything you said in this post. Sometimes ignoring a payment is necessary if, for example, you have an unpaid credit card balance with a 20% interest rate. Like you said it depends on the circumstances. And you're right that while in the short term, you shouldn't be applying for any loan in the first…

We will just have to agree to disagree on this. Again, I don't think maintaining a good credit history and paying debts quickly have to be mutually exclusive. And IMO teaching responsibility starts with paying things on time, even if it's the minimum payment and never ignoring a bill.

Not forever, nevermind. "Thankfully the credit bureaus choose to use the seven and ten year guidelines regardless." It would damage the credit for 7-10 years, but beyond that you would be able to repair your credit. So it depends on if you need your credit score for anything in the short term.

That means you will pay far more money over your lifetime based on the higher fees/interest rates than you would by focusing on debt with high interest right now and ignoring other debts.

Ignoring some low interest debt entirely while you focus on your high interest debt can ding you badly, but in the long run it saves you a lot of money.

You must have misunderstood my comment, or not read it thoroughly.

This is also important because of your credit score. You can "cut" all the cards you want, but leave some credit accounts open. Part of your credit score is based on your total credit available versus debt. So if you have a debt-free $4K limit on a credit card, that will help offset other debt when it comes to…

Right, an important consideration is whether you actually have enough money to make ends meet in a monthly budget. While it's still important to consider interest rates between different debts, sometimes finding extra breathing room in a monthly budget by paying off some relatively small debt, over a larger debt, that…

The first consideration for me is always interest rate. If you pay off something that has a lower interest rate, it won't be the best use of your money, because the debt with higher interest is costing you more to borrow in the long run. Any amount you pay off in full will save you that monthly payment, but in the…

I agree about the naming conventions and overlapping responsibilities for certain apps and projects. Another area they have really fudged things like this is the google tv debacle. Now they have android running wild on all sorts of tvs, and boxes that may or may not be considered "google tv" while also throwing out…

I'm not happy with a few things they've done to the google maps app. On one hand the maps themselves do seem smoother and faster, but on the other there are certain custom options, like alternative routes, and avoid tolls/highways. Other people complain about the loss of latitude integration, but I didn't really use…

I definitely agree with the lighting. I have two of those old, hideous globe lights on the ceiling and they do very little to light everything in the garage. At some point I'll replace them. Air compressor is a must as well. I'd also recommend one of those all purpose lights with an extendable cord. They come in handy…

What particular feature or characteristic makes this car more dangerous than other similar spec'd cars? I know compared to the enzo, it has fewer electronic systems, and has a manual gearbox, not electronic paddle shifters, but is there anything you could say is actually built into the design that makes this one more…

I can't stand when the wheel well shape does not exactly follow the shape/position of the wheel and tire. I think whenever people slam cars below their original height it throws off the symmetry and proportion. If you want to fill up the gap, put a larger wheel on the car. Don't lower it. That's just my opinion.

Is the push button located by the steering column, or is it in the center console? I couldn't easily identify it.

You'd think HDMI could pass through the audio signal to the receiver and never even have the xbox in the picture.

Except, nothing, not even the wealthy, opulent lifestyle you describe, can fill the cavernous hole created in his soul after getting mercilessly ignored on his attempted high five. The event will haunt him for the rest of his life.

I agree. I saw a few stories about it yesterday, and it sounds like they are citing pretty ridiculous reasons for moving. There could be better access to the park as it currently sits, but to tear down a 17 year old stadium just to spend another half billion on a new one, especially when the community itself is…

That would be a nice. So it just depends on the employer and which setup they choose? And I mistakenly referred to the account as an HSA. That is another option, but I'm not sure on the differences.

I've heard of these, but hadn't looked into using it. It seems like a good idea, but it might be inconvenient to use an HSA to take care of routine expenses like copays and rx's when I'm sure these accounts don't have credit card-like convenience. As far as the money in the account, I suppose as long you put in less th…