Has anyone noticed?

I don't know if anyone has noticed that I haven't been here for a while, but I have been very busy lately. I just bought a condo here in Naples FL. Thats right, 19 years old and I was able to get a home loan on a $140,000 house. I was planning on moving in about a month ago but construction took longer then expected. Its a 2 Bedroom/ 2 Bath, 1,300 square feet w/patio. It's in a gated community that my dad is the sales manager for, so he got %10 off the price and as a gift, he gave me what would have been his commission, about $7000 toward the down payment. It took sprint about a week to hook up my phone service and hopefully soon I will be getting my high speed cable or DSL (haven't decided yet). I'm not that good at bragging, never have been, but it is very nice living on my own, away from my parents, as much as I love them ;) I guess I am kinda of proud of my self for this, so I thought I would just let you guys know what I've been up to. Anyway, Thanks for reading all of this and have a good day :)

Also, Sony aproved me for $5000 limit so my A/V set is as follows:
https://forums.windrivers.com/<a href="http://www.sel.sony.com/SEL/consumer/wega/products/kv36xbr450.html" target="_blank">36" Sony wega XBR Digital HD Flat Screen</a> with optional stand
https://forums.windrivers.com/Sony DAV-C900 5 disk DVD changer and DTS 5.1 Digital Surround sound with speakers
Sony Playstation 2

PS2 is hooked up to TV with Component video cable - sound is hooked up with a Monster optical cable to the Dav-C900

The DVD player is hooked with a Monster Component cable to the TV.

It makes the Fast and The Furious and Gone in 60 sec better then ever! :) :D

[quote]Originally posted by FastAndFurious:
<strong>Also, Sony aproved me for $5000 limit so my A/V set is as follows:
http://63.224.30.17/images/KV-36XBR450.jpg<a href="http://www.sel.sony.com/SEL/consumer/wega/products/kv36xbr450.html" target="_blank">36" Sony wega XBR Digital HD Flat Screen</a> with optional stand
http://63.224.30.17/images/DAV-C900.jpgSony DAV-C900 5 disk DVD changer and DTS 5.1 Digital Surround sound with speakers
Sony Playstation 2

PS2 is hooked up to TV with Component video cable - sound is hooked up with a Monster optical cable to the Dav-C900

The DVD player is hooked with a Monster Component cable to the TV.

It makes the Fast and The Furious and Gone in 60 sec better then ever! :) :D </strong><hr></blockquote>

First off congratulations on your first home.

I sure hope you aren't falling into the credit black hole. I've been there when I was 19. Citibank had a booth set up in the student union at college and was just passing out credit cards. I suddenly had nice computers, dinner out when I didn't have cash, tires for my car, gas when I was flat broke. etc etc etc

Several Years later, when I finally woke up, I had a discover card maxed out and a gold visa maxed out. All in all, I was $13,000 in the hole. Credit counseling helped my restore my credit and drop the balance to the point where I could get an unsecured personal loan to pay off the debt in less than four years with lower payments than I was making to just keep the balance level.

I still use a credit card, but only for online purchases because of the fraud protection, and the balance is paid in full every month. I don't buy anything I can't afford with cash. I'm not going back to that place ever again.

This was not meant to be a lecture. I hope everything works out for you. Best of luck

Im 20. Funnily enough, I was in bucketloads of debt when I was 18 / 19 , and there isnt a way in hell I would do it again.

Congratulations to you, enjoy.

Congrats on the new Home/Stuff. When can I come and pull a Kato? :D :D :D
Nice to hear one of our fellow techies are movin up in the world. Whatever you're doin, you gotta get me in on it. :D :D

I know about the credit deal, My first credit card and I still have it is a secured card with a $500.00 limit, that is my primary card for online and dinner sometimes (not once sense first learning about the condo) and maybe sometimes gas. My only other card is a Sears’s card that I used the first time and haven't used since, and now the Sony card, which can only be used on Sony products. I know I went kinda of crazy with the Sony card but I do have the money to pay most of it off, and It has a one year no payments, so while I am a little bit worried I have decide to focus on clearing that balance out. But that is such a great setup, because I don't have furniture, it is the house center peace :D :D

[quote]Originally posted by Quiet Thunder:
<strong>Congrats on the new Home/Stuff. When can I come and pull a Kato? :D :D :D
</strong><hr></blockquote>

Sorry, I already have my bestfriend filling that job :D :D j/k

Dump all the department store credit cards, the interest rates are way too high - ask your bank for a low rate credit card if you carry a balance, you will save big $$$$

[quote]Originally posted by MacGyver:
<strong>Dump all the department store credit cards, the interest rates are way too high - ask your bank for a low rate credit card if you carry a balance, you will save big $$$$</strong><hr></blockquote>

Well, I only used that Sears card once almost 2 years ago, my secured card is with a bank and has an interest rate of 7.5%. I go the secured card right after I turned 18 and I have thought about mabye dumping it and applying for a non-secured $1000. limit card with the same bank.

I have never been able to get a credit card in my life. I hate all of you. :D :D :D

[quote]Originally posted by Wayward Clam:
<strong>I have never been able to get a credit card in my life. I hate all of you. :D :D :D </strong><hr></blockquote>
You want some of my applications, I swear, they have cut down a forest to be able to send me one every single day.

[quote]Originally posted by cleetus:
<strong>
You want some of my applications, I swear, they have cut down a forest to be able to send me one every single day.</strong><hr></blockquote>

They probably wouldn't do me any good. I try every single one of those "We approve ANYBODY" ripoff deals with the goal of slowly building up a credit rating, but they all turn out to be US citizens only. :(

[quote]Originally posted by Wayward Clam:
<strong>

They probably wouldn't do me any good. I try every single one of those "We approve ANYBODY" ripoff deals with the goal of slowly building up a credit rating, but they all turn out to be US citizens only. :( </strong><hr></blockquote>

Where are you from dude?

I usually try and stick to using my debit card...it won't let me spend money that I don't have!

[quote]Originally posted by EvilCabbage:
<strong>

Where are you from dude?</strong><hr></blockquote>

Clammy's a Canuck (Canadian)