J Garten
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  • Fort St. John B.C
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J Garten's Discussions

Should I take a credit increase offer

Started this discussion. Last reply by Rebekah Dec 6, 2012. 24 Replies

Hello all,First a little background on myself I am the field supervisor for an oil and gas well service company I live in northern british columbia and am 22 years old. I'm planning to buy a home in…Continue

what happened?

Started this discussion. Last reply by Todd Serveto Feb 11, 2012. 11 Replies

Hey everyone,first a little background basically I have been a very introverted individual never needed anyone never wanted anything like marriage but last year I met someone she had a little 2 month…Continue

Operation Wallstreet

Started Dec 13, 2011 0 Replies

I was curious on what everyone thought about these matters since it has been around for awhile now, I apologize if this has been brought up alreadyContinue

Seperating Family and career help

Started this discussion. Last reply by David F. Nov 15, 2011. 8 Replies

Hey everyone,So basically I am the field supervisor of an oil and gas service company we use ultrasonic sensors to monitor sand particulate and other debris coming up from wells after they have been…Continue

 

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Latest Activity

Rebekah replied to J Garten's discussion Should I take a credit increase offer
"Payments are payments. Bah. It's called the mortgage interest deduction."
Dec 6, 2012
Rebekah replied to J Garten's discussion Should I take a credit increase offer
"I think it's really hard for Americans to wrap their head around a system of universal healthcare and unemployment benefits that guarantee car payments are made. If OP can't work, he doesn't need the truck. I'm guess…"
Dec 6, 2012
J Garten replied to J Garten's discussion Should I take a credit increase offer
"Thanks everyone there is a lot of great advice here there are reasons why I wish to purchase a house sooner rather than later I know that paying down my truck before hand is preferable my plan is to use my tax returns yearly to pay it down because…"
Dec 6, 2012
Jack Bauer replied to J Garten's discussion Should I take a credit increase offer
"Lots of Ramsey followers around here.  Most would probably say no debt except for a mortgage.  15-year fixed.  You'd have to rent in the meantime anyway.  Payments are payments. JB"
Dec 5, 2012
Will replied to J Garten's discussion Should I take a credit increase offer
"Many here will tell you you should avoid debt, instead saving and paying for things in cash.  Which means you have to rack up US$100K-$200K to buy a house, all the while paying rent.  It isn't cost-effective. Still:  $47K on a…"
Dec 5, 2012
Rob replied to J Garten's discussion Should I take a credit increase offer
"J, Rebekah says but that is not what a certified financial planner would tell you without first sitting you down and have you fill out rather a lot of personal and financial information, before deciding that there is no risk. It's good to hear…"
Dec 5, 2012
Rebekah replied to J Garten's discussion Should I take a credit increase offer
"I see the debt. I don't see the risk. The truck is insured at better than replacement price. Some sort of unemployment insurance takes over the payments if he becomes unemployed, and his employer takes over payments if he becomes underemployed.…"
Dec 5, 2012
Rob replied to J Garten's discussion Should I take a credit increase offer
"That's great that you haven't abused it, now how about taking the next step and reduce your debt? Jack Bauer is right; you have too much debt. He is also right that you have taken on a great deal of risk for yourself. I understand that…"
Dec 5, 2012
Johnzerd1 replied to J Garten's discussion Should I take a credit increase offer
"Yes take the credit increase....... and pay off the truck asap.......  question how much do you have in savings?"
Dec 5, 2012
Rebekah replied to J Garten's discussion Should I take a credit increase offer
"So you're looking at an income tax and insurance situation literally foreign to the Americans offering you advice here. It comes down to whether the mortgage approval algorithms take these quirks into account. If you're routinely maxing…"
Dec 5, 2012
J Garten replied to J Garten's discussion Should I take a credit increase offer
"yeah I understand what your saying how work trucks here is apparently odd my truck is defined as a work expense so when tax time comes around I can claim about 80% of everything I spent on it including insurance payments and fuel and if the company…"
Dec 5, 2012
Rebekah replied to J Garten's discussion Should I take a credit increase offer
"Well, have you seen "The Bicycle Thief"? Was it prudent for that guy to pawn his bed sheets so he could redeem his bicycle so he could work? Yes. But it put even more eggs into the one basket and didn't work out too well for him when…"
Dec 5, 2012
J Garten replied to J Garten's discussion Should I take a credit increase offer
"I had an offer to take a company truck however they don't pay the driver a driving rate so yes having the truck is a risk which I weighed against the income potential for example right now I'm on a site that was 317km from our office and…"
Dec 5, 2012
J Garten replied to J Garten's discussion Should I take a credit increase offer
"I feel I'm good at handling credit I have one card and It only gets used for fuel for the truck or the very very rare online purchase rare as in 2-3 this year"
Dec 5, 2012
David F. replied to J Garten's discussion Should I take a credit increase offer
"The question is if you can increase your credit without using it.  If your credit debt is less then 1/4-1/3 of your limit you are in the best position.  Else you might take the raise to create this effect.  If you can't handle…"
Dec 5, 2012
J Garten replied to J Garten's discussion Should I take a credit increase offer
"Yeah Its a tool for us we haul trailers and travel on roads that are to say the least dangerous my company required my to half a half ton or better preferably a 3/4 ton and less than 5 years old I thought about buying used but due to the area I live…"
Dec 5, 2012

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