Prosperity Cheques

[V]

Haha, well none of it's my money, really. Apparently the wife and I have an arrangement where I make the money and she gets to spend it. I'm not sure when I agreed to it, but that seems to be the way it's gone.

[Shazam]

Originally Posted by ken0042

Has anybody else not received theirs yet? That is, of people who fully expected to have one?

Just got mine yesterday. They're being sent in batches, so some of them won't arrive until later this week and even into next week.

[Flames_Gimp]

Originally Posted by Dominicwasalreadytaken

I'm in the same situation as albert. 3 credit cards with $7,000 limits each, plus a $30,000 LOC. I've never paid a cent of interest. We run a very tight budget here, and I'm glad for it. I'd hate to have to worry about paying my bills every month.

why do u keep the credit cards then? talk about temptation... you should cancel all but one CC, And get a lower limit... whats the point of getting all the Credit cards if you don't need them?

[Ironhorse]

Originally Posted by Dominicwasalreadytaken

Haha, well none of it's my money, really. Apparently the wife and I have an arrangement where I make the money and she gets to spend it. I'm not sure when I agreed to it, but that seems to be the way it's gone.

Funny how that works, isn't it? Just make sure you don't give her your credit cards when she goes to the mall.

[ken0042]

Originally Posted by fotze

Hey, $800 of that isn't yours.

All you need to do is buy the rugrat one of those "My Parents got my Ralphbucks" t-shirts.

Glad to hear I'm not the only one waiting. Saturday night my friends stopped by at a house party to show off the new puppy they had gotten with theirs. Made me feel like I had gotten ripped off.

[Bobblehead]

My wife and I got ours in yesterday's mail.

So The Brick is having a prosperity cheque sale, are there any other places doing anything similar (outside of their standard sales)?

[ken0042]

I also heard that Sears is letting you cash in your cheque for a $440 gift card.

From what I heard on the radio this morning with Ikea, it's a $50 gift certificate with every $400 purchase.

[V]

Originally Posted by Flames_Gimp

why do u keep the credit cards then? talk about temptation... you should cancel all but one CC, And get a lower limit... whats the point of getting all the Credit cards if you don't need them?

Well, sometimes we do need a higher limit. Like when we bought our mini-van. 4,000 bucks, plus tires, plus inspection, plus regular expenses, totalled up to a hekuva lot of money. I paid for tuition with my credit card. I have one credit card I use for personal, one for work expenses, and my wife has one for personal.

It's always handy to have the flexibility of a lot of credit available to you, as long as you have the mental fortitude to not spend what you don't really have. So far we haven't, and it hasn't been a problem. I see some people in debt up to their eyeballs, and it just makes my resolve that much stronger. Sure, I'd love to have a big screen TV, or a brand new kitchen, but I don't want to be paying for it for another 20 years.

The 30,000 dollar LOC is for the downpayment I'm going to be putting on my second house. I don't use it for any personal expenses whatsoever.

[Resolute 14]

Originally Posted by Bobblehead

My wife and I got ours in yesterday's mail.

So The Brick is having a prosperity cheque sale, are there any other places doing anything similar (outside of their standard sales)?

Visions is giving an extra $50 on each $400 Ralph Cheque you spend there.

[Flames_Gimp]

Originally Posted by fotze

I thought you weren't allowed to do that?

you caught that too eh.. yeah, they say you cant use another debt to get a mortgage... That would be the same as the bank lending you the downpayment as well..

[Fire]

Originally Posted by Snakeeye

Visions is giving an extra $50 on each $400 Ralph Cheque you spend there.

These deals are no big thing unless you consider the $400 free money. I for one don't consider sales at the Brick and Visions (both IMO are overpriced in the first place) a big deal.

[FireFly]

Originally Posted by Flames_Gimp

you caught that too eh.. yeah, they say you cant use another debt to get a mortgage... That would be the same as the bank lending you the downpayment as well..

They actually changed the rules for buying a house. First time buyers can now get a loan for the downpayment.

[FireFly]

Originally Posted by Fire

These deals are no big thing unless you consider the $400 free money. I for one don't consider sales at the Brick and Visions (both IMO are overpriced in the first place) a big deal.

I agree. My favorite is that Shopper's Drug Mart is giving an extra $15... now, first off, that isn't a lot. And secondly, what the hell do you need at Shopper's for over $400?! I can see people who spend a lot on drugs doing it, but IIRC, drugs were excluded. Although all you new parents out there, that's a lot of diapers!

[Flames_Gimp]

Originally Posted by FireFly

They actually changed the rules for buying a house. First time buyers can now get a loan for the downpayment.

when did they change that? in august they told me you couldn't do that

[FireFly]

About the same time I think.... don't recall exactly.

[Incinerator]

Got mine yesterday

[Flames_Gimp]

ahh, weird.. those *******s didn't want me to have their money!!

[Incinerator]

Originally Posted by Flames_Gimp

ahh, weird.. those *******s didn't want me to have their money!!

Ralph doesn't like homeless and/or disabled people

[V]

Originally Posted by fotze

I thought you weren't allowed to do that?

Well, as far as I know, the banks won't let you do that. There are plenty of ways around it though. You just gotta be creative...