Topics created by gremln007

card cash is legit. I sold them gift cards and was paid within a week. did this 2x. The one not to trust is cardpool. They have a flashy site and were great up till 6 months ago. After that I listed cards to sell and nothing ever happened. Stil listed. I sold them to cardcast nor problem. And no way to contact cardpool no phone no email. cardcash you can call. They are in philly. Also another good seller and buyer is clipkard.com. I have dealt with them and they are good.

Thanks, my son used this to learn Japanese.

@gremln007 said in Ally Financial Reaches $20M Hidden Fees Class Action Settlement (Ally Financial leases and lease buyouts):

Update: The Final Approval Hearing is scheduled for Thursday, October 11, 2018.

Final approval granted. I am waiting to collect my millions.

@kohlspowrshopper said in How to save at Lowes?:

A new batch of 10% off gift cards is available at eBay, @gremln007

$90 for $100 Lowe’s Physical Gift Card at eBay from SVM Gift Cards

Thanks! I saw that posted actually. My purchase is done but I will again use these strategies, I am sure.

Need help understanding the different types of Equity Loans offered by PenFed.

Owe 100k on my home. Based on recent comps, it’s estimated at 205k. I would like to renovate kitchen and roof and budgeting 35k. I plan to sell the house in 2 years. If current plans to sell change, I may refinance and get a second home for a rental. Either way would like to pay off credit line at time of closing.
Based on my situation, which one would work best for me?

Home Equity Loan - 60 month, 4.74%, closing cost included (excludes appraisal and notary fees), 85-90% LTV
Home Equity Line of Credit - 4.25% variable apr (prime + 0%), closing cost included (excludes appraisal and notary fees), 80% LTV
5/5 Home Equity Line of Credit - 3.75% variable apr(min rate floor of 3.75% and maximum of 18%, closing cost included (excludes appraisal and notary fees), 75% LTV
Interest Only Line of Credit - 4.25% variable apr (prime + 0%), closing cost included (excludes appraisal and notary fees), 80% LTV

I appreciate the guidance!