Comments for AndrewM's Musings http://blog.AndrewM.com "Using mainly spoons, we dig a tunnel under the city and release it into the wild." Fri, 04 Sep 2009 03:32:49 +0000 hourly 1 http://wordpress.org/?v=3.0 Comment on Chase/Wamu Regulation Z Violation? by swapusa http://blog.AndrewM.com/?p=219&cpage=1#comment-9518 swapusa Fri, 04 Sep 2009 03:32:49 +0000 http://blog.AndrewM.com/?p=219#comment-9518 I have heard, and it makes a lot of sense if you think about it, is that banks and financial institutions are freezing or reducing low interest HELOC lines becasue if you reapply, the new HELOC lines will have much higher insterest rate. My wife's HELOC was frozen by WAMU (now JPMorgan Chase) even though nothing in her situation has changerd and her credit score is over 800. Her HELOC interest rate was 3.25% and now if she reapplies, there is nothing available below 6.5% or 7%. From what I have seen from corporate America and what they are capable of, I am not surprised if this is true. We are ready to walk into our JP Morgan branch and demand a reinsatatment of the HELOC line under regulation Z and Fair Credit Act and, if they refuse, threaten them with a lawsuit. I have heard, and it makes a lot of sense if you think about it, is that banks and financial institutions are freezing or reducing low interest HELOC lines becasue if you reapply, the new HELOC lines will have much higher insterest rate. My wife’s HELOC was frozen by WAMU (now JPMorgan Chase) even though nothing in her situation has changerd and her credit score is over 800. Her HELOC interest rate was 3.25% and now if she reapplies, there is nothing available below 6.5% or 7%.

From what I have seen from corporate America and what they are capable of, I am not surprised if this is true. We are ready to walk into our JP Morgan branch and demand a reinsatatment of the HELOC line under regulation Z and Fair Credit Act and, if they refuse, threaten them with a lawsuit.

]]> Comment on Web Host Recommendation: DownTownHost.com by editor http://blog.AndrewM.com/?p=104&cpage=1#comment-9504 editor Fri, 17 Jul 2009 13:50:44 +0000 http://blog.AndrewM.com/?p=104#comment-9504 We have tried a few webhosting companies in your list. Here is my summary review. 1. Godaddy.com is pretty cheap but I believe their domain registrar is better than their hosting. The problem about their hosting is that the tech support may give you different answers which may not always be right. They really need a live online chat support. We had a few problems with the set up. 2. Mosso.com control panel is not too good as you need to do a lot of self coding. The server set up is a bit confusing and didnt work well for us. Mosso.com wasn't really too helpful and we closed the account after a couple of months. 3. startlogic.com people are quite nice and overall the servers are decent. 4. Hostgator.com is overall good with a helpful customer service. Servers are a little on the slow side. 5. Cartikahosting.com. is highly NOT recommended. I read a lot of reviews before trying them out and concluded their positive reviews are written by themselves. After trying their services, the servers had an intermittent problem where the servers would stall or go on error quite often but in short periods throughout the day. The control panel freezes up. The company seems to just have one person behind a computer although this person changes names. Overall, the customer service was very friendly when we started but after 3-4 months we found them very rude and not knowledgeable. We have tried a few webhosting companies in your list. Here is my summary review.

1. Godaddy.com is pretty cheap but I believe their domain registrar is better than their hosting. The problem about their hosting is that the tech support may give you different answers which may not always be right. They really need a live online chat support. We had a few problems with the set up.
2. Mosso.com control panel is not too good as you need to do a lot of self coding. The server set up is a bit confusing and didnt work well for us. Mosso.com wasn’t really too helpful and we closed the account after a couple of months.
3. startlogic.com people are quite nice and overall the servers are decent.
4. Hostgator.com is overall good with a helpful customer service. Servers are a little on the slow side.
5. Cartikahosting.com. is highly NOT recommended. I read a lot of reviews before trying them out and concluded their positive reviews are written by themselves. After trying their services, the servers had an intermittent problem where the servers would stall or go on error quite often but in short periods throughout the day. The control panel freezes up. The company seems to just have one person behind a computer although this person changes names. Overall, the customer service was very friendly when we started but after 3-4 months we found them very rude and not knowledgeable.

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