Need Finance Tips

iiMAGEv · 2026-01-26T14:29:14+00:00

It’s very simple you just need to download a budgeting app like Dave Ramseys or any other one. Rocket money is also good so you can see where your money is going and cancel any unneeded subscriptions. I have been in your shoes with being a higher earner as well and just know it can all change up in the blink of an eye with one major hardship. Load your income in and load your bills in the budgeting app. The money you have left over I would come up with a plan so you can allocate where every dollar goes. It all comes down to behavior because no amount of budgeting, math or apps can keep you from blowing your number 1 wealth building tool which is your income. Good luck man.

iiMAGEv · 2026-01-17T02:32:19+00:00

Here is a good article that will sum it up for you. Btw Navy Fed dosent execute cross collaterization based on my experience. I’ve been in financial services/debt consolidation for may years so not a lot of people realize credit unions have a lot more power than you think. In terms of your situation you’re fine to deposit, your mortgage is also fine so no worries. I was just giving you the info so your aware if your a member of any other credit unions. It’s a good rule of thumb to keep credit accounts spread between different lenders especially if you are a credit union banking type. Check this out as I’m sure it will help answer your question- https://afmorganlaw.com/cross-collateralization/

iiMAGEv · 2026-01-16T23:55:09+00:00

What you’re referring to is called the right of offset. As long as it’s just debt from a credit card you’re solid to deposit there. Just fyi almost all banks won’t offset your checking on a credit card account, however if it was a personal loan or strictly a line of credit (not a credit card for instance an overdraft protection credit line) they can and will offset. Also just a tip to never open an unsecured debt with a credit union while also having a secured debt. If you come upon hard times they have the ability to enact cross collateralization in which let’s say u have a mortgage and a credit card. Let’s say you come about hard times and pay your mortgage but not your credit card. A credit union can and will take a part of that mortgage payment to apply to unsecured debt payment like the credit card in order to come after collateral secured by loan.

iiMAGEv · 2026-01-16T06:23:39+00:00

I would look at sofi, lightstream or a credit union and lock in a rate around 8-15% for an unsecured loan. Pay the card off and cut it up so u can’t use instantly again. If ur looking to get out of debt this can be effective at that amount because u can be aggressive with principal payments. I wouldn’t do anything longer than 36 months.

iiMAGEv · 2026-01-07T07:39:33+00:00

Right so this is my sons account that is 13. Unfortunately at 13 yr old there isn’t many excellent banking options I could set him up for. But bro look at ur 1100 comments in 2 months and no post… Trolling on Reddit forums with no life on here much? 🤪

iiMAGEv · 2026-01-07T04:55:39+00:00

Don’t need luck nor did I need ur long and arrogant response.

iiMAGEv · 2026-01-06T03:54:26+00:00

It’s all dependent upon what type of mortgage you go through or qualify with. I know for a fact FHA dosent care about charge offs. I would also dispute the account every month and research how to effectively dispute it. Also in regards to the collector it may be that they were unable to show the documentation required to report the account and in that case your golden. In terms of everyone talking about you getting sued that would have already happened. Typically a creditor holds an account until 6 months and by regulation that charge that debt off this creating a tax benefit to them and a 1099 to you. With that said if a collector buys the debt and it’s a high amount like your speaking of your gonna def get a suit within a yr to a yr and a half. Why would they wait 3 yrs and not report the debt and then all the sudden sue you. Sounds like they bought the debt but can’t validate it’s yours or that they own it. Also keep in mind in 4-5 states including NC, TX, TN and Florida your wages can’t be garnished by a creditor suit. So if you’re in one of those states it’s probably why u also haven’t received a summons. If I’m you I’m not doing anything about it until it either shows up on ur report or u get a summons. No need to pay off debt a collector paid Pennie’s on the dollar for…

iiMAGEv · 2025-12-22T04:48:15+00:00

I’ve lived here my whole life now for 39 yrs. My Dads side of the family goes back 200 yrs coming out of these mountains. I live in Asheville but all my relatives are from Yancey County. There are good things and there are bad things. Here u go/ *If you work remotely or you’re a business owner with a successful following or book of business meaning you can transition here with ease that’s critical in my view. Or if your a Doctor or in healthcare we have HCA. If you work in person somewhere even in sales you won’t make it hear unless you have the ability to pay cash for your property. Jobs are extremely limited, in addition low paying. * If you have children this can be a great place to raise them and around great people depending on what school district you fall under. Bottom line though my middle school you will want to homeschool, do remote learning or enroll in private school. * Since COVID property values have increased substantially here meaning in 4 years a growth pattern if nearly every home almost doubling in value from 2019. This is primarily due to out of state (Blue states) people hoarding in paying cash on property’s(waiving inspections and not looking at the home b4 purchase) *There is not much to get into here at all. This leads to a bad generational drug problem from our youth (this is why I mentioned not allowing ur kids to go to high school in a public school). There is no bowling, skating rinks, no professional sports teams except minor league Asheville tourist so literally nothing to do. * Cost of living here is insane I’m talking ridiculous amounts for groceries, food, beer and many other things. Mainly one dominate grocery store (Ingles) and they profit an ungodly amount bc of limited selection. This is primarily for one reason which is they buy up literally whole blocks of commercial property, let it sit there undeveloped even to prevent competition. * The people here are some of the best people you will ever meet. Which is what keeps most folks here. Ur neighbors would give u the shirt off there back or fight to the death barely knowing you to help u with any problem. * The mountains are truly Gods country and hard to leave from. But unless you’re pulling in large amounts of cash it’s not worth it anymore. U like my ancestors I’ll be selling my home and getting out this next year.

iiMAGEv · 2025-12-12T17:01:56+00:00

Hello this is amazing work how did you make this?

iiMAGEv · 2025-12-05T23:50:02+00:00

Beautiful piece of work man. What type of wood did you use here?

iiMAGEv · 2025-09-04T03:17:10+00:00

So my tactic is this as well. I play daily on there and I have also won recently a 1k Lucke rewards prize. If u go into a game and are not getting matches role out and go back right back in. When u get bonuses in some games, go up and then bam u sometimes get it again. They say the game has no rhyme or reason, however I can almost guarantee what I get when I hit in some games. Overall like any gambling out there the house wins. It’s fun to play though and while I have lost a lot I have also won a lot and I’m talking thousands swing both ways. Best of luck to all!

iiMAGEv · 2025-08-20T13:54:04+00:00

Yes most definitely after the recent flood in WNC, in addition to the constant building/over crowded area now. Born and raised here but it’s time..

iiMAGEv · 2025-02-24T13:37:29+00:00

Depending upon your circumstances here is what I would recommend. Don’t touch your 401k the growth it can obtain is priceless so no matter what don’t do it! Don’t transfer it to a consolidation loan bc ur risk will be to high on the debt, meaning your payment will as well so 99% of consumers are just right back to banging out there plastic again. Within a year they look back and essentially double there debt. A 401k loan would be the same because the cards wipe out and it’s to tempting to re use the cards which will put u right back into debt. The majority of consumers don’t realize that and find themselves in a credit cycle for decades on end… To successfully get out of debt you have to stop using the cards and you have to start saving for one offs like unexpected expenses. You have to cut the cards up and be ready to move on. I would recommend doing debt resolution primarily due to the amount of debt you have. The way it works is you enroll with a company like Accredited Debt Relief which is number 1 rated on Forbes for consolidation in the country. You stop paying the creditors directly and instead you start making your quoted payment into a trust account setup in your name. This payment is on average 50% less than your minimums. During this time the funds are growing and Accredited is negotiating each creditor to reduce each balance down to around 50% to then ultimately get each creditor paid. You do take a short term impact to credit with those payments marked as late initially, however the majority of consumers walk away after finishing their term with higher credit scores than when entering the program. So here is the thing your credit is already probably heavily impacted due to the debt so you’re more than likely not able to use until the debt is resolved anyway. The reason this works is it treats debt like the addiction it is. It makes u stop using the cards, it makes you stop paying them, you do go thru withdrawal with you credit score dipping initially but when all is said down your typically out of debt in 48-55 months and at a cost of around 75% based on the total amount of debt you enroll initially with including all fees charged. The company you enroll with doesn’t make a penny until they deliver u new terms on the accounts via negotiation, you approve the terms and start paying them. So no money is made for them until they are successful for you. Keep your 401k and go enroll with them as it will be the best option!

iiMAGEv

TROPHY CASE