buying the end of the year dip with GWPH really paid off. Hit 100% off the two month lows yesterday morning following quarterly report release. I trimmed but am keeping it at ~10% of my portfolio as I am still betting on acquisition. My lone biotech holding.
With the recent conversion of MPXEF to ITHUF my scary overweight holding has payed off nice. Trying to stave off the urge to trim, - just another month or so until this start hitting long term gains, hang in there Ianthus.
Any one buying Boeing? Price is way out of my usual range (about $379 right now). But that $365-ish support seems to be holding up well.
Could probably catch it grinding back up to $390 within a few weeks barring some more bad press/news.
SoâŚ
Is it possible to sue these data brokers that buy/sell your personal information online on these websites:
Has anyone won for filing lawsuits against these websites because they didnât remove your information from these websitesâŚ
Still a bit pricey here. Iâm waiting for the next level of support around 300, it more than likely wonât sink that low, but it will be close. The yield curve just red flagged that a major recession is about to hit, so there might be a lot of profit taking these next few weeks.
Bitcoin LOOOL
thatâs still a thing? Last I knew, BTC was at something like $8k.
Donât worry
Itâll crash againâŚ
itâs up again ⌠10.5k as of this post.
Shame itâs so fucking cost-prohibitive to mine either BTC or ETH. To look at even getting back into it is at least a couple large, due to the cost of ASIC miners and electricity.
VIX is down, everyone buy VIX
I shouldâve bought gold!!!
VIX is up too. Everyone buy VIX???
Hey any credit experts in da house? Iâm almost to my 5k emergency fund goaI. Ill reach it by the end of the month and start aggressively paying down debt starting in October. Iâve done some research and heard that I shouldnât pay off accounts that are in collections because even a paid of collection on your report is bad.
Is that true? Also what about credit card debt? Same rules apply or will paying those off completely remove them from my report?
Paying off collections might not help your credit score, but not paying them letâs them sue you.
You can negotiate with them though. Some of them are willing to remove their collection report on you as a condition of you paying them. Google it, thereâs info out there on the best way to negotiate this.
Paying down your credit cards directly helps your credit score, which is partly based on your debt to credit limit ratio.
Definitely gonna look into, one of my collections is a measly $139 which i can pay off easily. The other is a hospitals bill of almost $900.
Im guessin I should pay off the small one 1st. Then try to negotiate to get the 2nd one payed off & removed from records???
There are some rules about how medical debt specifically is allowed to affect your credit rating, and I donât know the exact rules off hand. It might not be affecting your credit score that much, so Iâd probably focus on seeing if theyâll negotiate the amount owed down.
Probably worth it to ask about the collections agency if theyâd consider taking the $139 report off your record as a condition of payment too. Doesnât hurt anything to check with them, even if they say no. FWIW, Iâd probably pay it off sooner rather than later anyway, just to have one less thing to worry about.
Now I remember why i never got around to payin that 139, shitty AT&T customer service. You spend 30 minutes waitin then they still cant help lol
Ima keeo tryin tho
FINALLY made contact, they say they wonât be able to remove it from my records, which i get cuz its a few years old.
Im trynna to find a good reason to pay this but they arent making it easy. Any other alternative solutions here? 
Not any really great ones. You can mail them a letter demanding that they prove that you are the person that owes the debt, but if itâs AT&T youâre dealing with directly and not some collection agency, odds are they can prove it pretty easily.
If you dispute the debt , the debt collector cannot report it to a credit reporting agency unless and until it verifies the debt . If the debt collector has already reported the debt (before it received your dispute letter ), it must notify the credit reporting agencies that the debt is disputed .
Well, I contacted a professional specialist after my bud referred me to her. She is going to help me with BOTH things on my credit and it wont cost nearly as much as paying off both collections.
Ill let her work her magic & let u know in a few weeks the results. My bud said sheâs amazing so ill take his word
Hey bruh. Can you put me in touch with this specialist? Because you got the right idea. Fuckâem if they arenât gonna remove the collection off of your credit even if you pay in full. Whatâs the point?
As far as I know, it will fall off your credit report eventually, I want to say 7 or 10 years, whether itâs paid or not.
You should figure out specifics for your situation, but debt is usually very negotiable because whoever it was originally owed to has to write it off after a relatively short period*, at which point they sell it to collections agencies for a small fraction of the value. The collection agencies are then usually willing to take a fraction of the payment because (1) theyâll still come out ahead and (2) they know theyâll never collect most of the debt they buy. Bookkeeping also gets notoriously sloppy once things go to collections, so they may not be able to go to court over it. And you can threaten to declare bankruptcy, which would wipe out the debt. (It is generally not advisable to actually declare bankruptcy, however.)
*Accounting rules generally donât let a company say âhe hasnât paid us in a year but weâre totally going to get that money real soon now.â