tcridinclean

what exhaust did u get guille?

Btw this is very random but, sergio whatver happened to that 350z? Lol

ippskidder

There is a 90% chance i'll be losing my job in january.

So after I fixed it up, I let my cousin know if he wanted the car.

After some negotiating with him. He bought it off me, for what I bought it for plus the repairs.

All that money went to pay off the majority of my credit cards.

Come january, I don't want to be stuck without a job and tons of bills.

It was a hard decision to make, but I had to make the best choice for my situation.

Hopefully when the economic situation gets better, I can pick up an older evo or Z.

It has given me more time to work on the tc though.

I'm looking for a job right now just in case, if anyone is looking for a programmer/network admin ^^

Guille_Tc

Ouch..Good luck Serg.

I got the Concept G Javi..u going tonight?

jasonrs2

serg, email me ur res. i'll forward to my peeps. i think we're lookin for developers. they work mostly with c# and interface with sql.

Guille_Tc

^^ Como?

caveman

https://www.scionlife.com/forums/viewtopic.php?t=245266


hurry!!!

Crippie

nice find, i think johnny was looking for that one

Avenger

http://www.youtube.com/watch?v=KMU0tzLwhbE

he actually did that...25 times i think... lol

jasonrs2

lmfao!

ippskidder

Cool thanks ^^

I'll be done updating my resume this weekend.

Been doing some small side jobs lately >.<

No homo.

The federal crack down on credit card companies is not so good for employees, but great news for consumers.

Dammit, LOL.

Crippie

lol.... what exactly does this crackdown entail? lol

caveman

In light of preparing for HIN last minute....you guys have any cheap/free ideas I could do to spruce up my presentation...since we all know my car is no show car, lol

ippskidder

WASHINGTON (AP) - Consumers will be shielded from increases in interest rates on existing account balances on their credit cards under new rules being adopted by federal regulators.

The changes will allow credit card companies to raise interest rates only on new credit cards and future purchases or advances, rather than on current balances.

The new rules coming Thursday from the Federal Reserve and other banking regulators mark the most sweeping clampdown on the credit card industry in decades, aimed at protecting consumers from arbitrary hikes in interest rates or inadequate time provided to pay the bills.

Most of the rules were first proposed in May and drew more than 65,000 public comments -- the highest number ever received by the Fed. They also restrict such lender practices as allocating all payments to balances with lower interest rates when a borrower has balances with different rates.

But the changes also could make it more difficult for millions of people with bad credit to get what is known as a subprime card carrying higher interest rates, some experts say.

In addition, consumers will have to be given 45 days notice before any changes are made to the terms of an account, including slapping on a higher penalty rate for missing payments or paying bills late. Under current rules, companies in most cases give 15 days notice before making certain changes to the terms of an account.

The changes could cost the banking industry more than $10 billion a year in interest payments, according to a study by the law firm Morrison & Foerster.

Roughly 16,000 companies in the U.S. issue credit cards. The biggest lenders include Discover Financial Services LLC, Bank of America Corp., Citigroup Inc., JPMorgan Chase & Co., Capital One Financial Corp., American Express Co. and HSBC Holdings.

The American Bankers Association previously opposed the proposed rules as overly aggressive government intervention that would bring higher prices and constrict the supply of consumer credit. But in a statement issued Wednesday, the organization called them "strong regulations (that) will change the face of the marketplace, delivering an unprecedented level of consumer protection and empowerment in a time of economic uncertainty."

The new rules prohibit:

--Placing unfair time constraints on payments. A payment could not be deemed late unless the borrower is given a reasonable period of time, such as 21 days, to pay.

--Placing too-high fees for exceeding the credit limit solely because of a hold placed on the account.

--Unfairly computing balances in a computing tactic known as double-cycle billing.

--Unfairly adding security deposits and fees for issuing credit or making it available.

--Making deceptive offers of credit.

Travis Plunkett, legislative director of the Consumer Federation of America, said customer frustrations run deep, as reflected in the comment letters submitted to the Fed.

Many of them "were spontaneous from consumers who feel they've been treated unfairly by their credit card companies and are literally begging the Fed for help," he said.

Many people acknowledged paying late, often mistakenly, and felt it was unreasonable for their card issuer to increase the interest rate on the balance, Plunkett maintained. Another common theme is struck by people who always pay on time but are hit with a rate increase because the company needed to recoup losses from other cardholders, he said.

Under the new rules, credit card lenders will be required to apply any payment above the minimum to the part of the balance with the highest interest rate.

The so-called subprime cards for people with low credit scores typically have no more than a $500 credit limit but require a large upfront fee.

The rules cap that fee at 50 percent of the credit limit and allow the cardholder to pay off the initial balance over a year, not immediately.

Consumer Federation estimates that credit card debt held by U.S. consumers is about $850 billion, some four times what it was in 1990.

ippskidder

On a side note: Any recommendations when I swap out the front rotors and brake pads.

They are sitting at home ^^

caveman

Any recommendations?

Avenger

Besides adding some stickers and/or neon? maybe get some of that tire shine that adds glitter to your tire....

your car pretty much looks fine the way it is, u already said u would make it look brand new, so other than that, i doubt theres much more you can do short of adding a huge wing and stuff...

ippskidder

Clay bar and water ^^

Sticker up the car like geo.

More blue cathodes.

Not sure, lol.

Oh and did you put the leather bra back on the vehicle?

No homo.

Avenger

i think the leather bra would probably take away from the nice shine and the front lip of the car...

caveman

I meant sergio said recommendations with his brakes? lol...what did you mean by recommendations? Where to take it, what to do? wat???? lol


Yea my ish gunna look shineyyy....washing already started, but it looks like rain is coming

Avenger

maybe you should push the porsche out of the way and garage the tC lol