About pancakes

pancakes · ‎June 4, 2019

In fact, I will now be going back a few years and re-calculating all my taxes to be sure TT gave me the best deductions and credits. It is so hard to figure out what TT is referring to half the time, I am never confident I am filling out the forms correctly. It is actually EASIER to have the hard copies in front of me, look up the relevant questions, and mail it off myself for free.

pancakes · ‎June 4, 2019

Well, like I said, TT did not say a thing about the issue being a matter before congress. In fact TT did not give any explanation. The difference between the taxes TT said I owed and the refund I will be getting by doing a paper return (with much independent research- np thanks to TT) is significant.

pancakes · ‎June 4, 2019

Well, I am not planning on using TT. I still feel TT should have been clear and explicit about the whole issue. It was just glossed over and ignored and this is also why I am moving away from TT- the lack of transparency all around. I never know if I am answering TT questions correctly even after researching the IRS documents and instructions exhaustively.

pancakes · ‎June 4, 2019

I noticed that I should have qualified for a tuition deduction too, but TT didn't give it to me. I decided to print out IRS forms on paper and run through the numbers. Everything looks fine, I used the 1040A and 8917 Form and am going to send it in to the IRS. They have provided the forms. so who am I to doubt them? I do think TT could have given me a heads up on this, as I had to go through a lot to figure this out. This info should be out there for those of us paying paying paying for student loans, educator expenses and then more tuition on top f that!!

pancakes · ‎July 27, 2018

Hi, The finance guy who gave me such good advice was at a VW dealership where I had -had huge problems of involving a lack of integrity on their part. I had to file a complaint with the BBB and they were VERY eager to make me happy after that which COULD have played into the extra helpfulness. Also, the guy was young, enthusiastic and had fairly recently graduated from college so he was very idealistic, high energy and seemed to genuinely enjoy educating people. My credit score prior to that wasn't bad as I recall, it just wasn't good and wasn't moving upward no matter how well I paid my bills on time over the years. That's what made me really listen to him when he shared his advice. I knew there must be tricks that would move the needle up on my credit score and it worked in my case. I recently checked and one score in particular was quite high while the other two seemed very good too. I dont have numbers off the top of my head. The impact on my life so far hasn't been huge yet. That dealership gave me a 1% loan on my car even with just decent credit which surprised me. The benefit of that loan was its obvious low cost while allowing me to stay more liquid and continue to build better credit via over -payents paid on time. In the future, I am thinking about buying a house or condo and I suppose thats where the real savings could come into play. I did apply for a mortgage pre-approval and was given a loan amount that I think is semi-insane , and not quite at the lowest interest rate I was hoping to get, so maybe I have a little more work to do in my credit building. Also, its nice to know that future employers who may check my credit will not be ruled out.

pancakes · ‎July 3, 2018

When I went to buy my car, the finance guy there gave me a few tips that really helped my score. 1. I was going to pay a big down payment up front. He pointed out a VERY low interest rate (1%) at the dealership and encouraged me to keep my money liquid, and build up my credit by setting a monthly payment that I could comfortably pay a bit extra on each month. (Even just paying $5-$15.00 extra makes it look like you can easily handle your bills. 2. He told me to put EVERYTHING possible on my CCs and pay it off in full each month (I know- this is a bit different from other advice here to carry over a very small amount). 3. He mentioned the idea of not opening too many CCs and try to keep them active if possible- and set up autopay so I don't forget to pay them or be late with payments. 4. He recommended doing a credit freeze to protect myself from credit fraud. Its more trouble if you are thinking about opening a new credit card or making a large purchase, (because you have to unfreeze your credit) but it adds a sense of security in this age of credit fraud. 5. He recommended checking your credit often (which I didn't do, but I am going to try to be better about.) 6. I thought about paying off a big chunk of my student loan but when I researched it, someone mentioned that having a long-held loan that you are making regular payments on is very good for your credit, so I decided to keep doing that for now. Payments are pretty low and interest rate could be worse, so it's OK. I would say I did all this for about a year now and my credit score has really gone up. Out of three scores, one was REALLY good. I am in a MUCH better position should I decide to buy a house or condo at this point. Ive also been surprised to find out how many employers are checking credit history as an indicator of employee reliability.

Date Registered	‎July 3, 2018 8:54 PM
Date Last Visited	‎July 27, 2018 9:13 PM
Total Messages Posted	6
Total Cheers Received	119

In fact, I will now be going back a few years and ...

Well, like I said, TT did not say a thing about th...

Well, I am not planning on using TT. I still feel ...

I noticed that I should have qualified for a tuiti...

Re: How to Raise Your Credit Score

Re: How to Raise Your Credit Score