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About tbaarr
(Top Expert on this page)

Expertise
Questions related to credit card management and use of credit to achieve your financial goals I have found on google that my screename has been linked to some garbage financial sites, that I have nothing to do with Please ask me to verify this if you are not sure and let me know who is making any claims so i can sue their asses off this is my website or my blog http://www.geocities.com/tbaarr/night_vision.html http://www.tbaarr.blogspot.com/

Experience
i own over 10 credit cards

8 of these have credit limits over 10k and i use 2 of them to invest with

i have the balance as a fixed life of the loan balance transfer

and make 10 points profit on the money

Organizations
none

I retired doing this in 1996

and wish to pass on my experience. BE aware I got married in 1998 and started Driving Rig in 2004 so that I could get affordable quality Heath insurance for my family as I now have 2 beautiful daughters 4 and 8 as of aug 2007, so I may take longer to answer som questions. i cover such subjects as, my approach to credit, how to establish and maintain multiple accounts, how i get single digit life of the loan balance transfers, how i use their money for 45 days interest free, how i use credit cards to invest for 30% a year profit, and how i maintain a 650+ credit rating while holding 5 or more accounts. I challege anyone have me compare any answer, that suze orman gives on her tv show, to what i would suggest as i find her answers just plain incompetant, especially when she states that borrowing money from an ira causes you to pay double taxation. Thats just plain wrong
   

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SubjectDate AskedExpert

3 Types of Debt ...What to pay first?10/27/2009Kindred Beisinger penname K D Elizabeth Beisinger
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Money5/20/2009Jaynee Sasso
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Poor?5/5/2009Chris G.
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Budget software3/27/2009Jaynee Sasso
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Income loss1/4/2009tbaarr
Income loss1/4/2009Jaynee Sasso
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Debt Management Plan -- Future Employment12/17/2008Gina Boykin
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cash7/30/2008Julie Zorgo
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plan A or B7/25/2008Julie Zorgo
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debt6/10/2008Gina Boykin
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Credit Card4/25/2008tbaarr
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Credit clean up3/25/2008tbaarr
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credit card payment3/19/2008Gina Boykin
High CC Debt3/17/2008Gina Boykin
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ex-husbands debts.3/5/2008Bill Bauer
Money3/3/2008Gina Boykin
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getting out of debt before its impossible2/27/2008Julie Zorgo
in debt2/25/2008Kindred Beisinger penname K D Elizabeth Beisinger
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Budgeting2/22/2008Julie Zorgo
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buy or not to buy2/11/2008Kindred Beisinger penname K D Elizabeth Beisinger
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Gap in employment2/10/2008Gina Boykin
Debt2/8/2008Julie Zorgo
Credit Report - Don't recognize credit cards1/28/2008Gina Boykin
Should we sell our home?1/22/2008Kindred Beisinger penname K D Elizabeth Beisinger
i am a 20 year old guy trying to plan a complete budget, and i need help.1/14/2008Kindred Beisinger penname K D Elizabeth Beisinger
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Budgeting our lives1/6/2008Kindred Beisinger penname K D Elizabeth Beisinger
Debt Crisis1/5/2008Kendra M. Tessman
Credit Card Debt1/4/2008Kindred Beisinger penname K D Elizabeth Beisinger
Debt Management1/3/2008Kindred Beisinger penname K D Elizabeth Beisinger
Retirement Savings12/26/2007Kendra M. Tessman
income tax claims12/25/2007Kendra M. Tessman
collection agency12/20/2007Gina Boykin
financial planning.12/14/2007Gina Boykin
budget12/3/2007Gina Boykin
young adults12/2/2007Gina Boykin
ffixing credit12/1/2007Gina Boykin
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Saving for a house11/26/2007Gina Boykin
Retailers and Credit Cards - Autos11/26/2007tbaarr
question11/17/2007Chris G.
Help! My Wife has racked up way too much debt!11/16/2007Chris G.
credit repair agency11/16/2007tbaarr
Help! My Wife has racked up way too much debt!11/16/2007Chris G.
Help! My Wife has racked up way too much debt!11/16/2007Chris G.
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credit card information10/31/2007Gina Boykin
card withdrawals abroad10/29/2007Gary C. Dunn
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credit question10/24/2007Gina Boykin
Credit Cards10/23/2007Gina Boykin
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Credit Cards10/18/2007Gina Boykin
debt help10/18/2007Gina Boykin
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i need help10/15/2007Chris G.
Debt and Savings10/12/2007Chris G.
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BUDGET10/6/2007Kendra M. Tessman
Student Loan Debt10/5/2007Chris G.
Pay off the mortgage?9/28/2007Chris G.
ODP vs Credit Cards9/28/2007Chris G.
Not Qualified9/28/2007Chris G.
Debt Consolidation9/26/2007tbaarr
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debt and saving9/18/2007Gina Boykin
student loans and debt/budget9/16/2007Gina Boykin
Credit Cards9/10/2007Gina Boykin
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Millionaire9/1/2007Kendra M. Tessman
I'm a disaster when it comes to finances...8/28/2007Chris G.
Debt relief consolidation8/25/2007Chris G.
Debt relief consolidation8/25/2007Gina Boykin
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need advice8/21/2007tbaarr
budget.8/16/2007Chris G.
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U.S. Budget8/14/2007Kindred Beisinger penname K D Elizabeth Beisinger
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credit card debt7/27/2007tbaarr
Budget Counseling in Portland OR7/23/2007Kindred Beisinger penname K D Elizabeth Beisinger
$ DISASTER7/14/2007Kindred Beisinger penname K D Elizabeth Beisinger
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savings5/23/2007Kindred Beisinger penname K D Elizabeth Beisinger
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Debt relief5/21/2007Kindred Beisinger penname K D Elizabeth Beisinger
Interest5/14/2007tbaarr
Debt Reduction and Savings5/11/2007Kindred Beisinger penname K D Elizabeth Beisinger
Interest5/6/2007tbaarr
An auto loan and my credit?5/6/2007Kindred Beisinger penname K D Elizabeth Beisinger
Transaction Fees5/4/2007Kindred Beisinger penname K D Elizabeth Beisinger
balance transfer4/21/2007Kindred Beisinger penname K D Elizabeth Beisinger
FDIC4/7/2007Jennifer S. Wilkov
help4/5/2007Jennifer S. Wilkov
Debt4/4/2007tbaarr
Debt4/2/2007tbaarr
Money3/26/2007Jennifer S. Wilkov
Credit Card Debt3/22/2007Jennifer S. Wilkov
To pay or not to pay3/21/2007Jennifer S. Wilkov
home & debt3/19/2007tbaarr
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student loan consolidation2/25/2007tbaarr
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getting on a budget when your already behind1/16/2007Kathryn Nye
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money market / savings1/14/2007Kindred Beisinger penname K D Elizabeth Beisinger
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prices1/9/2007Kindred Beisinger penname K D Elizabeth Beisinger
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steve12/23/2006Niquenya D. Fulbright, Professional Life Coach
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credit in general12/14/2006tbaarr
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hello11/28/2006Kindred Beisinger penname K D Elizabeth Beisinger
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xmas gifts11/22/2006Teresa
Bill Debt11/11/2006Kindred Beisinger penname K D Elizabeth Beisinger
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credit10/30/2006tbaarr
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more bills then income10/4/2006Niquenya D. Fulbright, Professional Life Coach
Finances10/2/2006April
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Money9/7/2006Kindred Beisinger penname K D Elizabeth Beisinger
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Building credit8/21/2006Cindy Morus
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Credit Report Monitors8/11/2006tbaarr
Food Money8/9/2006Cindy Morus
credit cards8/5/2006Cindy Morus
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Ways to save8/3/2006Cindy Morus
Medical Bills/Re-payment8/1/2006Cindy Morus
Paying off debt.8/1/2006Cindy Morus
Decision7/31/2006Cindy Morus
debit card7/27/2006Cindy Morus
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To Rent or Buy6/29/2006Cindy Morus
Finance charges6/28/2006Cindy Morus
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My dead wife's hospital bills6/26/2006Cindy Morus
money problems causing marriage problems!6/14/2006Cindy Morus
beginner investing questions6/13/2006Cindy Morus
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Nothing owed6/7/2006tbaarr
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followup6/6/2006Cindy Morus
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Help5/25/2006Cindy Morus
debt consolidation inquiry5/23/2006Margaret Jaffe
debt consolidation inquiry5/23/2006Margaret Jaffe
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Moving out5/14/2006April
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College students and credit card debt.5/7/2006Cindy Morus
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debt question5/3/2006Cindy Morus
debt problem5/3/2006tbaarr
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credit cards4/29/2006tbaarr
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closing credit cards4/21/2006Cindy Morus
credit card debt help!4/21/2006tbaarr
Consolidation of Student Loan4/4/2006Cindy Morus
food budget3/30/2006April
Trying to get out of Debt3/19/2006Cindy Morus
Financial Principles3/16/2006Karen McLaughlin
Moving on own and on a tight budget3/15/2006Cindy Morus
which debt to pay off first3/13/2006Cindy Morus
Credit Card debt reduction - the right way3/8/2006Cindy Morus
Savings3/6/2006Cindy Morus
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Moving out3/1/2006Cindy Morus
debt2/25/2006Cindy Morus
Reverse Mortgage2/23/2006Margaret Jaffe
Seperate accounts...2/18/2006Cindy Morus
money problems2/16/2006tbaarr
our first credit card2/10/2006tbaarr
Lower gas bill2/2/2006Kathryn Nye
Credit Card Troubles1/30/2006Cindy Morus
Newsletter1/26/2006Karen McLaughlin
I have one Question1/25/2006tbaarr
how much debt is too much?1/21/2006Cindy Morus
credit card debt1/19/2006Cindy Morus
First time buyer interest rate1/11/2006tbaarr
Credit Card Debt1/4/2006Cindy Morus
Advice on budget/credit cards1/3/2006Cindy Morus
Moving to be debt free?12/31/2005Cindy Morus
Credit Card Debt and a Student Loan12/19/2005Kathryn Nye
Do I need to build credit?12/17/2005Cindy Morus
debt after we marry12/14/2005Kathryn Nye
law school12/7/2005Cindy Morus
Can I afford an addition?!11/25/2005Kathryn Nye
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529 plans11/18/2005Cindy Morus
is there any help out there11/12/2005Cindy Morus
budgeting10/16/2005Kathryn Nye
How much do kids cost?10/14/2005Karen McLaughlin
Budget10/12/2005Margaret Jaffe
Money but No money9/22/2005Cindy Morus
entertainment.9/20/2005Karen McLaughlin
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credit card debt9/17/2005tbaarr
credit card management9/13/2005tbaarr
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Credit cards9/2/2005tbaarr
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Refinance/debt consolidation8/21/2005Kathryn Nye
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College Student8/16/2005Kathryn Nye
Student Loans and Debt Reduction8/15/2005Kathryn Nye
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Ways to make money....8/11/2005Kathryn Nye
Help with lowering payments8/3/2005Cindy Morus
Quick Question8/3/2005Kathryn Nye
Quick Question8/3/2005tbaarr
Quick Question8/3/2005Margaret Jaffe
Persuasive argument8/1/2005Kathryn Nye
extra income7/27/2005Margaret Jaffe
about debt7/19/2005Kathryn Nye
credit cards7/19/2005tbaarr
on-line purchasing7/17/2005Kathryn Nye
credit card application7/11/2005tbaarr
Saving6/30/2005Kathryn Nye
Saving money6/30/2005Margaret Jaffe
Financial Indecision6/28/2005Cindy Morus
Credit Card question6/28/2005Cindy Morus
Credit Card question6/28/2005tbaarr
budgets6/27/2005Kathryn Nye
Credit Cards6/21/2005tbaarr
credit6/20/2005Cindy Morus
borrowing or using savings6/16/2005Cindy Morus
paying off credit card debt6/14/2005Kathryn Nye
secured credit card6/13/2005Kathryn Nye
secured credit card6/13/2005tbaarr
Getting a credit card with "no credit"6/13/2005tbaarr
help us6/9/2005Margaret Jaffe
need help6/9/2005tbaarr
Please help us..6/9/2005Kathryn Nye
Please help us....6/9/2005Cindy Morus
unsecured credit card debt6/8/2005tbaarr
credit5/25/2005Cindy Morus
What should I do5/23/2005Cindy Morus
Book on frugal living5/19/2005Cindy Morus
credit card cancelation5/12/2005tbaarr
credit card debt5/12/2005Margaret Jaffe
Questions I have been afraid to ask5/4/2005Cindy Morus
making up for gift money5/3/2005Cindy Morus
Credit card vs home equity loan5/2/2005tbaarr
debt management4/26/2005Cindy Morus
buy or rent4/25/2005Cindy Morus
debt4/24/2005tbaarr
interest reduction4/24/2005Cindy Morus
Mortgage loan vs car loan4/22/2005Cindy Morus
Financial Future and Family4/22/2005Kathryn Nye
Financial Future of Family4/22/2005Karen McLaughlin
Commission and Budgeting4/21/2005Kathryn Nye
Commission and Budgeting4/21/2005Cindy Morus
Debt4/20/2005Kathryn Nye
Credit card debt4/12/2005Kathryn Nye
debt priority4/10/2005Kathryn Nye
debt priority4/8/2005Kathryn Nye
Medical Bills4/1/2005Kathryn Nye
Credit3/30/2005Cindy Morus
Pay Off Debt Or Invest?3/30/2005Cindy Morus
Credit balance management3/23/2005tbaarr
smart move?3/17/2005tbaarr
smart move?3/16/2005tbaarr
smart move?3/16/2005Cindy Morus
smart move?3/16/2005Karen McLaughlin
smart move?3/16/2005Margaret Jaffe
starting a budget3/15/2005Kathryn Nye
smartest financial move?3/15/2005Kathryn Nye
smartest financial move?3/15/2005Margaret Jaffe
smartest financial move?3/15/2005Cindy Morus
Credit Score3/14/2005tbaarr
credit card payoff3/11/2005Cindy Morus
retirement versus college savings3/9/2005Cindy Morus
trying to get a Credit card3/8/2005tbaarr
Purchasing a first home vs. renting ( I am over 50)3/5/2005Margaret Jaffe
paying board/rent to parents3/5/2005Cindy Morus
refinancing a car2/27/2005Cindy Morus
Home equity and paying off credit card2/24/2005Cindy Morus
Neg. Credit Dropping off of Credit Rpt.2/19/2005Cindy Morus
Time to buy car???2/18/2005Margaret Jaffe
credit cards2/18/2005Cindy Morus
credit cards2/17/2005Cindy Morus
debt and extra money2/15/2005tbaarr
debt and extra money2/15/2005Cindy Morus
Budget1/31/2005Kathryn Nye
Online Savings Accounts1/30/2005Cindy Morus
Financial cooperation & collaboration from spouse1/29/2005Cindy Morus
Debt Reduction1/28/2005Cindy Morus
Debt Reduction1/28/2005Kathryn Nye
Debt problem1/23/2005Cindy Morus
Mother of three children under three yrs of age1/19/2005Karen McLaughlin
long term investing1/18/2005Cindy Morus
Cost of printing on line book1/16/2005Kathryn Nye
Living assistance1/7/2005Cindy Morus
Living assistance1/5/2005Cindy Morus
Gas & Electric bill1/1/2005Kathryn Nye
best way to rid debt12/29/2004Kathryn Nye
which should I do12/27/2004Cindy Morus
Financial Independence12/20/2004Cindy Morus
marital money and debt12/16/2004Cindy Morus
credit cards12/15/2004Cindy Morus
Investment/saving strategies for recent college graduates.12/6/2004Cindy Morus
Savings & credit problems12/2/2004Cindy Morus
credit card debt11/24/2004Kathryn Nye
credit card debt11/24/2004Cindy Morus
the dollar11/24/2004Kathryn Nye
the dollar11/24/2004Cindy Morus
Mastercard11/15/2004Cindy Morus
Should I be worried?11/14/2004Kathryn Nye
Should I be worried?11/14/2004Karen McLaughlin
credit card convenience checks11/9/2004Cindy Morus
creating a budget...11/7/2004Cindy Morus
Retirement Pension vs. Purchasing a home10/30/2004Cindy Morus
debt management10/28/2004Cindy Morus
Credit score?10/27/2004tbaarr
credit card debt10/25/2004Cindy Morus
Debt Reduction10/21/2004Cindy Morus
What will happen???10/19/2004Margaret Jaffe
budgeting10/15/2004Cindy Morus
budgeting10/11/2004Marjorie Brown
Credit Card Payments9/30/2004Cindy Morus
Credit Card Payments9/30/2004xxx
Credit Card Payments9/30/2004tbaarr
How to calculate what a person really makes9/28/2004Cindy Morus
How to calculate what a person really makes9/28/2004tbaarr
refinancing house for debt consolidation9/27/2004Cindy Morus
reply9/27/2004Marjorie Brown
Inflation and the future9/22/2004Margaret Jaffe
budget meals9/22/2004Marjorie Brown
getting rid of debt9/14/2004Cindy Morus
Quickest Way to get out of CC Debt9/10/2004Cindy Morus
CREDIT CARD DEBT9/9/2004Cindy Morus
Any tips?9/3/2004Marjorie Brown
Gasoline8/26/2004tbaarr
Managing My Finances8/25/2004tbaarr
saving money8/19/2004Karen McLaughlin
Credit Card Information8/17/2004tbaarr
Credit Card Debt Repayment Options8/7/2004Kathryn Nye
Calling Canada from Miami7/30/2004Kathryn Nye
Buying a home7/26/2004Kathryn Nye
economizing on electricity7/18/2004Kathryn Nye
Student Loan v. Easy Food7/15/2004Kathryn Nye
Budgeting7/15/2004Kathryn Nye
grocery lists7/12/2004Kathryn Nye
saving money tips7/9/2004Margaret Jaffe
household budgeting7/6/2004Kathryn Nye
Bonding6/28/2004Jamie Novak
Debt6/26/2004Kathryn Nye
Response to Warrant-in-Debt6/26/2004xxx
Car Loan on Credit Card6/20/2004Jamie Novak
Car Loan on Credit Card6/20/2004Kathryn Nye
Living on a Low Fixed Income6/19/2004Kathryn Nye
Loans6/17/2004Kathryn Nye
credit and banking options6/11/2004Jamie Novak
question about debit cards6/8/2004xxx
retirement pension6/4/2004Kathryn Nye
Need Money/Good Credit6/3/2004Kathryn Nye
debt and credit card interest6/2/2004xxx
purchasing a home6/2/2004Margaret Jaffe
credit card interest reduction6/2/2004Kathryn Nye
Need help getting out of debt6/1/2004xxx
credit cards5/25/2004Kathryn Nye
Fun things to do5/20/2004Margaret Jaffe
New life style5/19/2004Jamie Novak
Saving on Interest rates5/19/2004xxx
I have two American Express...5/13/2004xxx
setting up a budget5/13/2004Kathryn Nye
Debts payed on credit cards5/12/2004xxx
debt reduction5/12/2004Kathryn Nye
college grad5/11/2004Kathryn Nye
making money fast with debt5/7/2004Margaret Jaffe
low interest cards5/4/2004xxx
Retirement4/28/2004Margaret Jaffe
paying off debts4/23/2004Karen McLaughlin
paying off debts4/23/2004xxx
Credit Score4/22/2004xxx
Bankruptcy4/22/2004xxx
Money saving4/20/2004Karen McLaughlin
Debt consolidation4/11/2004xxx
bargan shopping4/6/2004Kathryn Nye
Credit Rating4/5/2004Kathryn Nye
Reasons for refused credit4/5/2004Kathryn Nye
Debt3/17/2004Karen McLaughlin
household management? what's that?!3/16/2004Jamie Novak
Credit Card Counselling3/12/2004xxx
Tips on saving2/25/2004Margaret Jaffe
Tips on saving2/24/2004Margaret Jaffe
Desk Clutter2/21/2004Jamie Novak
Need help fast!2/17/2004xxx
debt consolidation services2/17/2004xxx
Any hints2/16/2004Karen McLaughlin
Lump Sum House Payment2/15/2004xxx
Loan2/10/2004Margaret Jaffe
Loan2/10/2004xxx
Judgment2/10/2004xxx
payiny off mortgage2/8/2004Jamie Novak
Clutter control and mission in life1/22/2004Jamie Novak
Questions about Credit Limits on Credit Cards1/10/2004Kathryn Nye
Rent or own?1/1/2004Margaret Jaffe
Is there a Bankruptcy Alternative for Secured Debt11/23/2003xxx
Debt Reduction11/4/2003xxx
Roomate dilema10/21/2003Karen McLaughlin
debt solution10/18/2003xxx
paperwork10/17/2003Jamie Novak
I am a writer and would like...9/30/2003Kathryn Nye
Pre-Paid Credit Cards9/26/2003Kathryn Nye
Warrant in Debt9/13/2003xxx
I am thinking of bankrupcy9/8/2003xxx
A good window cleaner8/22/2003Jessica
Guests8/7/2003Jamie Novak
BUDGET7/25/2003Kathryn Nye
personal budget7/22/2003Kathryn Nye
Is there room for fun??7/17/2003Karen McLaughlin
razor blades7/16/2003Jessica
how too save money!!!!!!!!!!!!!!!!!7/6/2003Kathryn Nye
Need Help7/2/2003Invisibleman
career with money, not sure what.7/1/2003Kathryn Nye
Hi, I am a single mother with...7/1/2003Kathryn Nye
Debt Collection6/18/2003Kathryn Nye
Money is tight6/7/2003Karen McLaughlin
Milk & coffee6/3/2003Jessica
Things to budget for5/26/2003Kathryn Nye
Budgeting5/20/2003Karen McLaughlin
Budgeting5/20/2003Kathryn Nye
saving/budgeting5/13/2003Kathryn Nye
Collection accounts5/11/2003Kathryn Nye
budgeting for the self-employed4/28/2003Kathryn Nye
balance transfer4/16/2003Karen McLaughlin
Looking for your guidance. Thanks!4/16/2003Kathryn Nye
Hi Karen, My wife and I...4/15/2003Karen McLaughlin
My Money!!4/7/2003Kathryn Nye
debt reduction3/27/2003Kathryn Nye
pre-paid phone cards3/25/2003Kathryn Nye
Cost of starting a family3/19/2003Karen McLaughlin
paying off student loans vs. savings3/14/2003Kathryn Nye
Student Loans and Debt Reduction3/11/2003Kathryn Nye
saving money3/8/2003Karen McLaughlin
saving $$$3/8/2003Karen McLaughlin
Repaying debt...2/21/2003Kathryn Nye
Medical Bill Repayment2/12/2003Kathryn Nye
Starting life over...1/26/2003Jamie Novak
Best Credit Card1/21/2003Karen McLaughlin
Ruined milk and flat soda1/20/2003Jessica
looking at now, and looking ahead.1/15/2003Kathryn Nye
auto loan debt1/8/2003Kathryn Nye
debt repayment strategies, debt reduction1/7/2003Kathryn Nye
ok what about those coffee grounds?1/5/2003Jessica
carpet pet stains12/27/2002Jessica
Take home pay and budgeting12/10/2002Kathryn Nye
what can i do with ruined milk?12/9/2002Jessica
Debt repayment12/2/2002Kathryn Nye

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