Archive for February, 2009

How many times do you tear in half junkmail credit card applications to protect yourself from identity theft?

Credit card application
Assume you have some junkmail you wish to dispose of which has you name and address printed on it but you don’t have a shredder available. If it was an A4 size application form, how many times would your tear it in two before putting it in the bin?

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What are the ID card industry standards regarding financial ratios like profitability, liquidity and activity?

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I am making a strategy paper on a firm making plain ID cards, meaning no financial transaction function involved like that of credit cards. I am evaluating its financial ratio as compared to the ID card industry standards on profitability, solvency, liquidity and debt ratios.

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Has anyone use the Orchard credit card offer to improve your credit scores? Is it effectvie?

offer credit card
My credit score is ok, but I wish to increase it for a future purchase. I saw an offer oline by Orchard bank. They report to the three credit agencies monthly. Has anyone used this method and/or company to increase their credit score?

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where can I apply for another Visa Credit card online ?

Visa Credit Card
I have a visa credit card from Capital one, can I apply for another visa card from different provider ? if yes then from where online ?

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Question on credit card issued deceptively?

Credit card application
So my friend was in Vegas at the USAir gate waiting for his plane. A guy came over and offered a free t-shirt and free airline ticket voucher. So he signed up, thinking it was a gimmick to build brand loyalty.

A few weeks later, his credit monitoring service emailed him that there was an inquiry from Barclay’s Bank. So he called and was told he had been issued a USAir Mastercard miles card. He was confused and angry that he’d been deceived. The huckster didn’t even furnish a disclosure of fees. When he got the card, he noticed an annual fee of $79, which was also not disclosed either by the person in the airport (who didn’t even mention it was a credit card application) or the phone rep, who talked him into keeping the card that had already been issued.

Can he cancel and have the inquiry removed? What is his recourse? Which state’s laws have precedence in this case?
Thanks for the answers, so far.

Spock, there were no terms to read. If there were, he would have realized it was a credit card application and wouldn’t have signed up.

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Finding generic propecia drug in Canada?

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Where can I get generic propecia (like finpecia) to Canada from a REPUTABLE (not those cheaseball sites with no addresses that steal your credit cards) online pharmacy. It seems like most online pharmacies don’t ship the generic form of propecia to Canada, even the Canadian ones. Is it patented in Canada? Anyways, I was hoping to be able to get some generic propecia to Canada, thanks for the help!

A little about propecia: It’s a hairloss drug for men. It works really well, but is ridiculously expensive ($1000/year) compared to a similar drug like Proscar ($200/year for same dosage).
http://www.generic1pharmacy.com is a SCAM. The address they post is the college of pharmacists in BC, and has nothing to do with them, besides the fact they sell “male enlargement” drugs and give away free viagra pills.

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Is it a good idea to offer credit cards to illegal immigrants?

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The Wall Street Journal reported today (2/13/07) that Bank of America has rolled out a program in Los Angeles county offering credit cards to those without social security numbers or credit histories. They hope to go national with the program this year.

In recent years, banks across the country have been offering checking accounts and even mortgages to undocumented immigrants, most of whom are Hispanic. Is this a good idea? What do you think will be the long-term effects?

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how do i find a credit card with co-sign option?

offer credit card
i need a credit card that offers co-signing option with a limit of 5-10K. i cant seem to find offers or companies that i can go to for this. any suggestions?

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How exactly does a credit card work?

credit card
I want to apply for a credit card that starts out with a minimum credit line of $300. If I get it, it will be my first credit card. If I get the $300 credit, I want to make a purchase for like $200. Is this a good thing or a bad thing to do? Can someone give me some good tips on handling a credit card without getting bad credit?
I will mostly be using this card trying to start an at-home business.
Ya mama b*tch. Eat my p*ssy, h*e!!!
Oh, rudecatt63, you’ve hurt my feelings ever so much, I’m going to cry….NOT. For someone who keeps visiting the GLBT section and has a rainbow in they’re background, you sure do do a lot of gay bashing. Self hate is so stupid. But then again if I were you, I would probably hate myself too.

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My 2008-2009 NFL projections with a short review?

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AFC East
Jets 11-5
If Brett Favre keeps playing like he has the past two games, they’ll win the division for sure.
Dolphins 10-6
The Dolphins had played well on both sides of the ball.
Patriots 9-7
Matt Cassel is stepping it up, but we haven’t seen as much of the running game, so i don’t think they will go 10-6.
Bills 8-8
They went 4-1 the first five games, and 1-4 the next five games. They’ve taken a slide because Trent Edwards has had turnover problems.

AFC North
Steelers 12-4
This team is a super bowl caliber team.
Ravens 10-6
If the Ravens don’t play like they did against the Giants, they’ll get a wild card spot.
Browns 7-9
Brady Quinn has played very well, but the defense has not.
Bengals 2-13-1
Ryan Fitzpatrick has begun to get better, but this team does not have much of anywhere to go from here.

AFC South
Titans 16-0
I may sound crazy, but there really is no one to stop them. Except for the super bowl, which I believe will be against the Giants.
Colts 9-7
This Colts team is a little dissappointing compared to last year. They almost lost to the Texans twice.
Jaguars 6-10
This team hasn’t been dominating like last year.
Texans 5-11
The only games that sound winnable from here on out are the Oakland game and maybe the Cleveland game.

AFC West
Broncos 9-7
Since the beginning of the season, this defense has been choking, but the offense has pulled through.
Chargers 8-8
I hope this team can pull it together and win a number of games, but the chance of that happening is a little rare. Them being unsuccessful this year is probably because of L.T. not being as good.
Raiders 3-13
The only team they might be able to beat is Kansas City, but that might not happen either.
Chiefs 2-14
If they can beat the Raiders or Bengals, they will obtain this record.

NFC East
Giants 15-1
My favorite team. These guys are on a role. Their schedule is not very tough, but this running game is. Also, notice this: The Giants have scored 30 or more points in each of the past three games.
Redskins 10-6
This team has the balanced attack of accurate Jason Campbell and Clinton Portis, who is having a pro bowl year.
Eagles 9-6-1
Guys, give Donovan McNabb a rest. I don’t like this team very much, but I really do not appreciate its fans dogging McNabb over last week’s tie.
Cowboys 9-7
This team’s midseason losses have costed it the playoffs.

NFC North
Packers 10-6
The Packers have an easy schedule, and Aaron Rodgers is a great quarterback.
Bears 9-7
Kyle Orton’s absence costed this team, but I don’t exactly think it will cost them the playoffs. This team is pretty good.
Vikings 8-8
These guys just might be able to do better than I say if Adrian Peterson keeps it up, but mistakes earlier in the season have left a mark on this team.
Lions 0-16
They have a tough schedule ahead, but besides that, did anybody see my predictions from earlier where I said they’d go 3-13?
1. I gave them WAY too much credit.
2. One guy praised them and said I’d eat my words by the end of the season and they’d go 11-5. Yeah, sure they will. I bet he’s crying (sorry), they’re 0-10.

NFC South
Panthers 12-4
This is their year. I expect them to win a playoff game or two.
Buccaneers 11-5
This whole division is better than last year. I am not sure about this team with Earnest Graham, but they are doing great.
Falcons 10-6
Matt Ryan is contending for rookie of the year, and he just may get this team into the playoffs. Also, don’t forget about Michael Turner and Jerious Norwood.
Saints 8-8
The Saints have an ultimate offense and a horrible defense.

NFC West
Cardinals 11-5
The Cardinals have a powerful offense with Kurt Warner, but the running game might not be as good without Edgerrin James.
49ers 4-12
The 49ers should probably just get ready for next year. The GM needs to pick up some good defensive players so that Mike Singletary can mold them into great players.
Seahawks 3-13
Matt Hasselbeck is not doing well, and Mike Holmgren needs to stop being a lame duck coach (sorry).
Rams 2-14
I see nothing in this defense or this offense.

Please comment on my reviews, tell me which team is your favorite, and suggest records for any teams that you disagree with me on. Or, simply agree with what I said.

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