This just makes me sick…

[DWCAP]

Hey FLU,

At the end of that post, it says that the best borrowers have a less than 7% utilization rate, and that the new FICO will hit those over 50%. What does that mean exactly? I pay my Credit Card balances in full every month. I do have a very old credit card that has a low limit that I keep to have the nice long history thing. Sometimes I use up to 60%, always paid off as soon as the bill comes in, because the limit is low. Does this count as utilization? Will I get dinged because my limit is low even though I pay the thing off every month?

[jennyo]

I think a native californian would be someone that was born here. As one, I know a many of them and they have no corner on the financial responsibility market. About 50% of my native friends are financially responsible and 50% are careening into their 40s underemployed, up to eyeballs in debt, and still rely on parents to pay car insurance or occasional rent. Being born here is meaningless.

[jennyo]

I think a native californian would be someone that was born here. As one, I know a many of them and they have no corner on the financial responsibility market. About 50% of my native friends are financially responsible and 50% are careening into their 40s underemployed, up to eyeballs in debt, and still rely on parents to pay car insurance or occasional rent. Being born here is meaningless.

[jennyo]

I think a native californian would be someone that was born here. As one, I know a many of them and they have no corner on the financial responsibility market. About 50% of my native friends are financially responsible and 50% are careening into their 40s underemployed, up to eyeballs in debt, and still rely on parents to pay car insurance or occasional rent. Being born here is meaningless.

[jennyo]

I think a native californian would be someone that was born here. As one, I know a many of them and they have no corner on the financial responsibility market. About 50% of my native friends are financially responsible and 50% are careening into their 40s underemployed, up to eyeballs in debt, and still rely on parents to pay car insurance or occasional rent. Being born here is meaningless.

[jennyo]

I think a native californian would be someone that was born here. As one, I know a many of them and they have no corner on the financial responsibility market. About 50% of my native friends are financially responsible and 50% are careening into their 40s underemployed, up to eyeballs in debt, and still rely on parents to pay car insurance or occasional rent. Being born here is meaningless.

[San Diego Native]

I guess the essence of my posts were misunderstood.

I actually agree with all of you with regard to “anyone” being capable of commiting acts of gross financial irresponsiblity–such as the fool in the referenced article.
That was my point exactly.

I was trying to defend the fact that this type of behavior is not a “California” thing. I guess I just happen to know a lot of solid people, who just happen to be from California, who have their acts together.

My point was that many “Native Californians” are portrayed as “flakes,” when, in fact, a great majority of those who demonstrate this type of irresponsible behavior are not natives. I work in TV and film in Hollywood, so, believe me, I know flakes from flakes.

At any rate, the bottom line is clear. Native or non, lots of people are in over their heads. Sad.

[San Diego Native]

I guess the essence of my posts were misunderstood.

I actually agree with all of you with regard to “anyone” being capable of commiting acts of gross financial irresponsiblity–such as the fool in the referenced article.
That was my point exactly.

I was trying to defend the fact that this type of behavior is not a “California” thing. I guess I just happen to know a lot of solid people, who just happen to be from California, who have their acts together.

My point was that many “Native Californians” are portrayed as “flakes,” when, in fact, a great majority of those who demonstrate this type of irresponsible behavior are not natives. I work in TV and film in Hollywood, so, believe me, I know flakes from flakes.

At any rate, the bottom line is clear. Native or non, lots of people are in over their heads. Sad.

[San Diego Native]

I guess the essence of my posts were misunderstood.

I actually agree with all of you with regard to “anyone” being capable of commiting acts of gross financial irresponsiblity–such as the fool in the referenced article.
That was my point exactly.

I was trying to defend the fact that this type of behavior is not a “California” thing. I guess I just happen to know a lot of solid people, who just happen to be from California, who have their acts together.

My point was that many “Native Californians” are portrayed as “flakes,” when, in fact, a great majority of those who demonstrate this type of irresponsible behavior are not natives. I work in TV and film in Hollywood, so, believe me, I know flakes from flakes.

At any rate, the bottom line is clear. Native or non, lots of people are in over their heads. Sad.

[San Diego Native]

I guess the essence of my posts were misunderstood.

I actually agree with all of you with regard to “anyone” being capable of commiting acts of gross financial irresponsiblity–such as the fool in the referenced article.
That was my point exactly.

I was trying to defend the fact that this type of behavior is not a “California” thing. I guess I just happen to know a lot of solid people, who just happen to be from California, who have their acts together.

My point was that many “Native Californians” are portrayed as “flakes,” when, in fact, a great majority of those who demonstrate this type of irresponsible behavior are not natives. I work in TV and film in Hollywood, so, believe me, I know flakes from flakes.

At any rate, the bottom line is clear. Native or non, lots of people are in over their heads. Sad.

[San Diego Native]

I guess the essence of my posts were misunderstood.

I actually agree with all of you with regard to “anyone” being capable of commiting acts of gross financial irresponsiblity–such as the fool in the referenced article.
That was my point exactly.

I was trying to defend the fact that this type of behavior is not a “California” thing. I guess I just happen to know a lot of solid people, who just happen to be from California, who have their acts together.

My point was that many “Native Californians” are portrayed as “flakes,” when, in fact, a great majority of those who demonstrate this type of irresponsible behavior are not natives. I work in TV and film in Hollywood, so, believe me, I know flakes from flakes.

At any rate, the bottom line is clear. Native or non, lots of people are in over their heads. Sad.

[kewp]

One has to admit the SoCal housing bubble did much to enable this sort of behavior in the first place.

[kewp]

One has to admit the SoCal housing bubble did much to enable this sort of behavior in the first place.

[kewp]

One has to admit the SoCal housing bubble did much to enable this sort of behavior in the first place.

[kewp]

One has to admit the SoCal housing bubble did much to enable this sort of behavior in the first place.

[Author]

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