T-Boz and Bow Wow are flat broke

Do you kids recall when I posted this Blind Item from the NY Post:

Which hip-hop artist drove up to his agent’s office in a $200,000 car, wearing a $50,000 wristwatch, to beg for money because he’s “dead broke” and needed $5,000 for child support? . . .

It turns out that the Blind Item might have been about rapper Bow Wow after all.

According to gossip website TMZ.com, the taxman cometh for both Bow Wow and singer Tionne “T-Boz” Watkins for unpaid taxes.

TMZ found documents filed in Florida by the federal government that says Weezy owes the government exactly $91,105.61 in unpaid taxes for the year 2006.

T-Boz’s tax troubles are a little more complicated.

TMZ says the 41-year-old mother of one owes creditors $768,642.99 — mostly from mortgages on her $1.2 million house located in a suburb of Atlanta.

So T-Boz did what many former nouveau riche celebrities do when they spend themselves into the poor house — she filed bankruptcy to shield her from her creditors.

But when you file for bankruptcy, you are required to open up your personal finances to ridicule and scorn. It seems that T-Boz, who once commanded hundreds of thousands of dollars in music royalties, now receives only $1,200 per month in royalties.

And the singer who once owned a string of children’s clothing boutiques, now brings in around $11,000 a month, with monthly expenses in excess of $8,821.

T-Boz is still struggling to collect over $250,000 in unpaid child support for her daughter by former rapper Mack 10, who hasn’t had a hit record in over a decade.

One thing these celebrities fail to realize is when you spend money like water, the well eventually runs dry.



 


539 Responses to “T-Boz and Bow Wow are flat broke”

  1. 1
    FeFe says:

    Po T-Boz, she just can’t escape financial woes…..

  2. 2
    flawless001 says:

    damn :coffee:

  3. 3
    DTowns Finest says:

    damn…i hate tht for both of ‘em especially bow wow….somebody call & check on him isn’t he like suicidal..this here may take him over the edge….

  4. 4
    chocolate divalicious aka CD says:

    Goodmorning everyone :waves: This is a lesson for everyone not just celebrities. Bow Wow has been in the game for what damn near 20 years, his parents should have invested his money better so when this day came he would be good. T Boz was a top selling artist and I’m sure with her health issues her finances unfortunately took a turn for the worse.

  5. 5
    free says:

    t-boz is sickly so she may have had crazy medical bills.

  6. 6
    free says:

    plus, didn’t they sue pebbles for shafting them early on in their career? damn, i can’t even think of the group’s name, smh.

  7. 7
    eastpointvet says:

    i know Shad got the money he is on cash money records baby will give it to him if anything. now tionne need to get on somebody reality show and save that house.

  8. 8
    Jdore says:

    @DTowns Finest says:

    somebody call & check on him isn’t he like suicidal..this here may take him over the edge….
    ________________________________________________________________________

    :dead: :rofl:

  9. 9
    kahmmillion says:

    How do you go from making millions of dollars to being broke….I just don’t understand that at all. T-Boz, I kind of understand with the medical condition, but Bow Wow just wants to ball until he falls.

    By the way, bankruptcy is not as bad as they want you to think. Yt’s call it reorganization. Don’t let these people talk you into staying in debt if you do not have to. I do bankruptcies, so believe me, I know.

    :offtopic: Has anyone heard of the 8 year old that was taken from his mother because he weighed 200 lbs?

  10. 10
    AndThenIHitMyDougie says:

    Damn- I feel for T-Boz. She was never flashy and out there spending money like water. Very low-key, but I’m willing to bet that like Toni & her Lupus, T-Boz’s Sickle Cell probably ate up the majority of her money.

    And didn’t she have to have some sort of brain surgery at some point?

    T-Boz should be able to be shielded by bankruptcy- medical bills really cannot be helped, especially in her case because let docs tell it, she should have been dead years ago.

    As for Bow-Wow….. pride cometh before a fall. :coffee:

  11. 11
    Drag_Anne_fly says:

    :offtopic: What’s this I hear of lauren London pregnant with The Dream’s baby?

  12. 12
    Yall still crazy says:

    I’d watch a T-Boz reality show :coffee:

    :love: TLC

  13. 13
    AndThenIHitMyDougie says:

    @Kahmillion

    You know most Black folks have been indoctrinated to believe that “bankruptcy” = “can barely keep the lights on.” Same thing with lots of Black folks not knowing that folks with money let their houses go into “foreclosure” constantly with the idea of “consolidating their assets.”

    My mama done filed TWICE and ain’t never lost a house, car or nada. Hell, she’s trying to let one of houses gets foreclosed on now but BofA is not doing it and she ain’t made a pymt in at LEAST 14 months….

  14. 14
    pointhimout says:

    poor T-Boz. she tried unsuccessfully to sell that manse she has. At one point, she owned that one AND another ritzy piece of property near Roswell. She finally sold that one, but apparently any equity went towards bills and whatnot vs savings or investments. I hate that for her.

    She did put down a pretty penny on her manse. I was hoping she was somehow close to paying it off, but I know when the market was hot, a lot of people were killing their equity (hey teresa). so now, soft real estate market and you’re ‘under the water’ with your mortgage. Well, if she’s making 11grand a month, that still makes for comfortable living in Atlanta. Chilli kept it simple, as did Lefteye with their home purchases. T spent over a mil for hers; the others didn’t. I dont think she was in that manse more than 3 years before it all started to go down hill (LE passing, no more cds, no longer in demand, etc).

    #rainydays

  15. 15
    Mannie says:

    Umm how is she broke???

    The math is 1200 + 11000= 13000 – 8821 = 3379 in liquid funds a month…thats far beyond broke all her bills are paid and she got 3500 in free cash i mean she aint balling but she aint flat broke…

  16. 16
    Ms. Everything says:

    T-Boz’s money struggles are sad but not new… and as far as Bow Wow, not paying taxes in 06 doesn’t make him broke by any means, especially since that’s just for the year 2006. Not saying he’s not (though I doubt it) just saying don’t jump to conclusions based on that. I think I’ve said before, you’d be surprised the amount of entertainers who fail to pay taxes simply cause no one is around to take it out their checks for them and if their accountants fail or miss something than they get blasted for being broke when usually it’s an oversight :shrugs:

  17. 17
    luVn_liFe... says:

    Drag_Anne_fly says:

    What’s this I hear of lauren London pregnant with The Dream’s baby?

    ~~~~~~~~~~~~~~~~~
    Yes ive been reading that on a few sites this weekend Also she tweeted NOT TRUE..
    We Know how much these MoFos LIE..
    I guess we have to wait and watch ((O_o))

  18. 18
    kahmmillion says:

    @ AndThenIHitMyDougie says:

    @Kahmillion

    You know most Black folks have been indoctrinated to believe that “bankruptcy” = “can barely keep the lights on.” Same thing with lots of Black folks not knowing that folks with money let their houses go into “foreclosure” constantly with the idea of “consolidating their assets.”

    My mama done filed TWICE and ain’t never lost a house, car or nada. Hell, she’s trying to let one of houses gets foreclosed on now but BofA is not doing it and she ain’t made a pymt in at LEAST 14 months….

    _____________

    Black people don’t realize that bankruptcy is a way for you to keep your isht. If you are being hounded by creditors or if you have judgments, they all go away (unless it involves fraud, child support, domestic support, school loans). Yt people do it all day every day, yet they tell black people that you will mess up your credit. How can you mess up your credit if you do not have any? That’s why I laugh when people try to clown others for filing bankruptcy….that person is much smarter than you. LOL.

  19. 19
    free says:

    did lefteye ever own a home or just shack up with andre rison?

  20. 20
  21. 21
    Yall still crazy says:

    mannie, I see you doing the OE calculation :lol:

  22. 22
    MUNCHOSGIRL says:

    I SEE SOME OF YOU ARE UNDER THE IMPRESSION THAT TLC MADE MAJOR MONEY, THEY DIDN’T. I REMEMBER WATCHING THEIR SPECIAL,THEY WERE MAKING PENNIES, WHILE LA, PEBBLES, AND THE RECORD COMPANY WAS REAPING THE REWARDS. STILL ALL IN AL, SHE HAS HAD MEDICAL BILLS AS WELL AS A CHILD TO PROVIDE FOR. NO SPOUSAL SUPPORT OR CHILD SUPPORT FROM MACK 10?

  23. 23
    !*LaKErCHiC@*! says:

    lauren london preg?? :blink: WTF DO THESE LADIES SEE IN THE BEAR WHAT??

  24. 24

    A lot of these “tax issues” are targeted to young black rich people and is often leaked to the press with an agenda in mind.

    An agenda that has NOTHING to do with actually collecting taxes.
    :coffee:

  25. 25
    Mother Jefferson says:

    I dont know about TBoz “commanding hundreds of thousands of dollars in music royalties”. By the time TLC got that money from LaFace it was not that much. If they had been collecting all during the 90s she would not be broke.

    91K for Shad is not that much, a lot of people have that in just student loans these days :coffee:

  26. 26
    prynsexxx says:

    Thats all Bow owes? Hell, it looks like he’s holding THAT in his hands in the above pic. It’s sad to hear tho’. They better get on the NeNe train and holla at Donald Trump, he stays in bankruptcy court and now he got Nene thinking she rich.

  27. 27

    So it’s good to file bankruptcy????
    Dont you have to wait a certain amout of time after you file before you can qualify for any type of credit or am I mistaken?

  28. 28
    datsmdubya2u says:

    when you ain’t working but the bills stay the same this is what happens….

    :offtopic: what is this about Bey telling Rhi Rhi to take a year off?

    :waves: @everyone

  29. 29
    Celli Cel says:

    I wanna know why the IRS takes YEARS to go after these ppl that owe A LOT and come after ME for $2000 for the SAME YEAR like I’m some kind of criminal…unbelievable.

  30. 30
    AndThenIHitMyDougie says:

    @Kahmillion

    Oh- I know. I know too many folks who have filed bankruptcy lately and are still riding around in cars better than mine with credit card limits WAYYYY higher than mine. That old school way of thinking that bankruptcy = you have to start over for 10 years is no longer true. After the 1st few years, everything is back normal again.

    Hell- I’ve been saying for a MINUTE that if they finally allow student loans to get discharged in bankruptcy- I’m FILING the day after they mandate it! I MEAN IT!!

  31. 31
    sexyphillygirl says:

    I read where TBox brought in $11G and her expenses were $8G, she lives in a 1.2m house, if she is still in Atl, she could get a house for half of that and it still be nice.

    :offtopic:

    So I am all caught up with Sweetie Pies, am I suppose to believe that Lil Charles is straight? lol

  32. 32
    Sandra Rose says:

    @ Mannie: I believe the $11000 a month includes the $1,200 in royalties. But I could be wrong. :coffee:

  33. 33
    Ty says:

    I knew this would happen with Bow Wow when his mom gave him his money when he turned 21. I think she gave him $40 million or something. So she invested his money well over the years but was stupid enough to drop that type of money on his azz. Maturity and responsibility doesnt come with age but personal growth and he was not ready to handle that kind of money. Now he is broke less than 10 years later.

    TBoz should have learned the first time. Why did she need a $1.2 million house for 2 people. She is making $11k/month which is still six figures. She better go find a damn foreclosure for 50% off like everyone else. Why can’t she live off $132000/yr. :think:

  34. 34

    @KAHMILLION
    “Black people don’t realize that bankruptcy is a way for you to keep your isht. If you are being hounded by creditors or if you have judgments, they all go away (unless it involves fraud, child support, domestic support, school loans). Yt people do it all day every day, yet they tell black people that you will mess up your credit. How can you mess up your credit if you do not have any? That’s why I laugh when people try to clown others for filing bankruptcy….that person is much smarter than you. LOL.”
    _____________________________________________________________________________

    ^^^^THIS TIMES TEN!

    Millions of yt people filed bankruptcy RIGHT before the law changed which requires people to still pay at least SOME of the debt back. But there is still no debtors prison.

    Bankruptcy is a great tool to acquire assets….which is what it is all about.
    :coffee:

  35. 35
    datsmdubya2u says:

    I mean

    :offtopic: what is this about Bey telling Rhi Rhi to take a year off?
    because Rhi Rhi is on the verge of an emotional and physical breakdown.

  36. 36
    Zoe B. says:

    Drag_Anne_fly says:

    What’s this I hear of lauren London pregnant with The Dream’s baby?

    __________________________________________________________

    Say it aint so :wail:

  37. 37

    The reports this morning stated that TBoz only recieves about $1,200 a month in royalities. Also, they said the debt was due to the home she owns and not that she “broke” just more outgoing expenses. Additionally, she is owe 250,000 in back child support.

    BowWow just owes the IRS…doesn’t mean he broke just means he needs to pay his taxes

  38. 38
    Sandra Rose says:

    datsmdubya2u says:

    because Rhi Rhi is on the verge of an emotional and physical breakdown.
    _________________

    How long have I been saying this about Rihanna? You kids never listen to your auntie. :coffee:

  39. 39
    Yall still crazy says:

    :mad: I wanna know that too Cellicel

    #niceeyebrows :grill:

  40. 40
    AndThenIHitMyDougie says:

    @Brown
    Supposedly, it takes a while to build new credit again, but I’ve never seen it take over a year or two. My mom last filed in 2006, I believe, and by early 2007 had bought a new house, a new car and had an Amex with like a $30k limit.

    She ain’t the only one to do it either. :coffee:

  41. 41
    AndThenIHitMyDougie says:

    @Celie Cel
    I’m with you on that!!! It takes them YEARS to catch up to Swiz Beats, Wesley Snipes, Bow-Wow and them for 100s of 1000s of dollars!! Oh- but MY BROKE AZZ …..they HOUNDED me in late 2009 for $600 I owed them from 2007!!

    Ain’t that some bullsh*t?!

  42. 42
    datsmdubya2u says:

    @sandra

    How long have I been saying this about Rihanna? You kids never listen to your auntie.

    _________________________

    Welp you are correct…the MM is reporting that Rhi sought out Bey for advice…..lol @Bey telling her to take off. I suspect that so when Bey finally delivers she can get all of her shine unimpeded.

  43. 43

    I guess I’m not in the bankruptcy loop because I always tjhought it was for people who couldnt pay their bills and that it was a negative mark on your credit report
    What type did she file

  44. 44

    @BROWN
    “So it’s good to file bankruptcy????
    Dont you have to wait a certain amout of time after you file before you can qualify for any type of credit or am I mistaken?”
    ___________________________________________________________________________

    Nope. It just goes on your credit report. You can apply for credit any time you want.
    :coffee:

  45. 45

    Welp you are correct…the MM is reporting that Rhi sought out Bey for advice…..lol @Bey telling her to take off. I suspect that so when Bey finally delivers she can get all of her shine unimpeded.
    _______________________________________________________
    :coffee:

  46. 46
    kahmmillion says:

    :offtopic: Anyone hear of the 35 yro woman with 15 kids – who lives in a 1 bdr hotel room – is demanding that the government take care of her and her kids and when the judge asked her if she was preggers again, refused to answer and was sent to jail?

  47. 47
    iscream says:

    I guess him pimping out his daughter didn’t help his album/concert sales.

    In the words of Luther from Set it Off “there are three people I don’t mess with the I the R and the S”

    You ever notice how Mobster’s will get away will killing, robbing, stealing but ALWAYS get arrested on Tax charges.

  48. 48
    iscream says:

    *with

  49. 49
    AndThenIHitMyDougie says:

    @Brown

    It is a negative mark on your credit report for 10 years but the weight it holds starts wearing off after like year 3…and lots of companies will still lend to you even with it fresh on your report.

  50. 50
    candibfly says:

    student loans NEVER FVCKING go away :crying:

    also, bc u owe on ur taxes doesn’t mean ur broke. just means u didn’t pay them :shrugs:

  51. 51
    Ty says:

    eastpointvet says:

    i know Shad got the money he is on cash money records baby will give it to him if anything. now tionne need to get on somebody reality show and save that house.
    ______________________________________________
    I think Bow Wow is only with Cash Money to assist their younger artist like Kim did Nikki. I seriously doubt that he will drop an album on Cash Money. Especially since they have Mystikal and Busta now, Shad azz is on the back burner. Even if Baby advanced him the money, he still has to pay it back. So he is back at square one. JMO

  52. 52

    Donald Trump had filed bankruptcy like 5 or 6 times…That chit doesnt get media attention like it should….

  53. 53
    pointhimout says:

    @Free, lefteye owned a house in stn mtn at the time of her passing. SR actually featured pics of the home (her mom showed out with the interior design….really nice lay out) years back. very modest in price.

  54. 54
    datsmdubya2u says:

    @Brown

    I guess I’m not in the bankruptcy loop because I always tjhought it was for people who couldnt pay their bills and that it was a negative mark on your credit report
    What type did she file

    ____________________________________________

    It is a bad mark but only for about a year. then the credit card offers come rolling in.

  55. 55
    candibfly says:

    hadn’t heard that story but the lady on judge judy has been on welfare for 19 years, doesn’t have a job bc she ‘doesn’t read too good’ and didn’t marry her baby daddy (2 kids) so she could stay on welfare

  56. 56
    AndThenIHitMyDougie says:

    @Kahmillion
    Is ahe IS preggers again… I DEMAND that she be vacuumed!! (Sorry- that’s just how I feel!! I can’t get no assistance and I help myself, I’m tired of these lowlifes getting EVERYTHING!!)

    @Chiby
    Hey preggers!!

  57. 57
    candibfly says:

    credit card offers with 19% interest rates :no:

  58. 58
    pointhimout says:

    amex with a 30k limit? really..interesting.

  59. 59
    JMO says:

    candibfly says:

    student loans NEVER FVCKING go away :crying:

    also, bc u owe on ur taxes doesn’t mean ur broke. just means u didn’t pay them :shrugs:
    _______________________________________________________________________

    I’ll be paying my student loans off forever :lol: Did you know relatives of politicians are exempt from student loan debt?? damn shame

  60. 60
  61. 61
    candibfly says:

    what?! let me dig thru my family tree and see who’s in politics. prob no friggin body. they always tryna hold a sista down :mad:

  62. 62
    AndThenIHitMyDougie says:

    @Chiby
    I was just about to use Donald Trump but I know folks are tired of hearing about him and his 50-11 bankruptcies. That fool files for it everytime one of his business ventures don’t bring in what he thought it would and he ain’t even CLOSE to broke…..

  63. 63

    I’ll be paying my student loans off forever :lol: Did you know relatives of politicians are exempt from student loan debt?? damn shame
    _______________________________________________________
    This is one of the only benefits of not working…I but them student loans in deferement…Sallie Mae can kiss my ass….bish talking about paying her $600 month for my student loans…. I wish I would!

  64. 64
    dallas214 says:

    Ok ummmm maybe its me, but I could do allot with $11,000! Especially if im just sitting on my ass….#imjussaying

  65. 65
    GAGIRL87 says:

    therapist1911 says:

    The reports this morning stated that TBoz only recieves about $1,200 a month in royalities. Also, they said the debt was due to the home she owns and not that she “broke” just more outgoing expenses. Additionally, she is owe 250,000 in back child support.

    BowWow just owes the IRS…doesn’t mean he broke just means he needs to pay his taxes

    ____________________________________________________

    I agree :coffee:

  66. 66
  67. 67
    sexyphillygirl says:

    @Candifly-girl we were watching Judge Judy at the same time when she said she doesnt read to good I bust out laughing its not funny but she sounded crazy! and Im with the judge I never understood why two women would fight over a man who cheats on them.

  68. 68

    Dont they ask on loan/apt/vehicle applications is you’ve filed a bankruptcy recently?

    My sis filed fro one and she had to wait to get a vehicle until it was discharged and she still had a high ass interest rate

  69. 69
    dallas214 says:

    I meant to say, I can do allot with $11,000 a month….First I wouldnt be living in a million dollar home either….Im sure she could get a really nice home for half that in Atlanta…

  70. 70

    AndThenIHitMyDougie says:

    @Chiby
    I was just about to use Donald Trump but I know folks are tired of hearing about him and his 50-11 bankruptcies. That fool files for it everytime one of his business ventures don’t bring in what he thought it would and he ain’t even CLOSE to broke…..
    ________________________________________________________
    I dont see nothing wrong with bankruptcy…all it really is consolidating your bills and pretty much starting over…. :shrug: Black folks better start doing what these white folks do….if they can do it why cant we?

  71. 71
    Bird says:

    Sorry if I’m repeating what someone has already said, but just in case….

    The stories that I read didn’t insinuate the either is broke. Bow Bow needs to pay his taxes from years ago and T-Boz is obviously not comfortable with her debt to income ratio. From what I read her income is 11k a month and her expense are 8k. I could see how that is too close for comfort. If I were her I’d scale down on my living quarters. Her house is the bulk of her debt.

    P.S. Word to the wise. Nene walking around talkin ’bout she’s rich because of her stint on Celeb Apprentice like that money’s gonna last forever. T-Boz was also on the show.

  72. 72
    AndThenIHitMyDougie says:

    @JMO
    I knew that. :yes:

    @Candi
    Ummm….my credit cards all have VERY high interest rates….but I just get them to make my revolviong credit ratio look good. I have one card that I use every month and pay the balance off in full every month before the billing cycle ends so it looks like my balance on it is $3.02 each month.

    The other ones I rotate and charge $20 on one card each month and pay the balance off before the cycle ends too just so they don’t close the cards for non-usage. I have one card I have a $1600 balance on that I am paying off now and once that’s done, I’m free.

  73. 73
    dblaq says:

    @kahmmillion – First off it sounds like you mama is a deadbeat! You parading trifling ass behavior, its one thing if you got caught up but it’s another to make it a lifestyle to get stuff you can’t afford and not trying to pay for it.

    And just to be clear that there are 3 different types of bankruptcy and 2 for personal. Chapter 7, 11, 13 and it does not mean that you don’t have to pay your bills. It simply gives you protection from your assets being taken in 2 cases. Chapter 11 is for business only and it is a reorganization plan that is overseen by a court appointed trustee the same with Chapter 13. You pay a certain amount and all your creditors are being paid from it and all of your finances are under supervision by the courts. You are not allowed to open up any type credit (no car, no credit card, no Aaron’s Rent to Own, etc) until your plan is finished.

    Also to think that you get to keep your house and car when you file bankruptcy is also not true, it depends on a lot of different scenarios. It relieves of the debt but not the security interest a bank has on a house or car. So yes there are a lot of time that you can still lose both. Taxes, Student Loans and few other bills are exempt from the bankrupty.

    Yes, “Businesses” may file Chapter 11 but it is a reorganization which means that it allows them to restructure their company so that they can get back in paying their creditors, it does not mean it just goes away. If you ever see a total liquidation sale or heard of liquidator that means that a company has been appointed to sale off a companies assets to create cash to pay all the creditor with it.

    To think that Bankruptcy is a solution for money problem is stupid. There are situation where it is best to file such as you are way over head and there is no way you will make that kind of money anytime soon. Plus the Bankruptcy laws have changed because of what kahmmillion is bragging about. Lawyers will tell you to file because they get paid from it and please believe that creditors can see beyond the Bankruptcy to build a profile. It is no longer just TransUnion, Experian and Equifax, there are a bunch of other companies that keep way more detailed records about your financial history such as Early Warning, Deluxe, Choice point that scores your credit worthiness on a lot of different factors and your credit report is just a part.

  74. 74

    Point
    I didnt know interest rates went as high as 30 percent until I heard my coworker (who makes around 65k but gambles)on the phone yellin and cussin at the credit card company

  75. 75
    NaijaGal says:

    Credit card companies actually like people who’ve filed for bankruptcy b/c when they file again they won’t be able to discharge their credit card bills the next go round

  76. 76
    candibfly says:

    @philly

    she doesn’t need to read to flip burgers or clean floors :shrugs: she’s just living the good life on welfare :mad:

    i couldn’t imagine gettin the tip of my pinky finger bitten off *faints*

  77. 77
    candibfly says:

    ur gonna get a high interest rate with jacked credit and with bankruptcy so pick ur poison i guess :shrugs:

  78. 78
    Nhere says:

    Bankruptcy is like hitting the reset button. Use your trump card when you need to. As for student loans… America, you owe me this!

  79. 79

    P.S. Word to the wise. Nene walking around talkin ’bout she’s rich because of her stint on Celeb Apprentice like that money’s gonna last forever. T-Boz was also on the show.
    _____________________________________________________
    I will say that Nene is investing her money wisely…she has this wine thing…and she is opening up restaurants in different airports across the country….Although she is far from “rich”….she aint close to broke either…

  80. 80
  81. 81
    !*LaKErCHiC@*! says:

    STUDENT LOANS?? :whistle:

  82. 82
    AndThenIHitMyDougie says:

    @PHO
    Yep. $30k…..

    I’m willing to bet that her limit got slashed down to nothing when the market crashed though, because around mid-2008, I begin reading and hearing about AmEx folks who had their REALLY high limits taken down to almost NOTHING and as far as I can remember, I ain’t seen that AmEx since about around early 2008 when she used it to pay my grad fees.

  83. 83
    kahmmillion says:

    @ LUSCIOUS LOLITA AKA SUGA WALLS says:

    So it’s good to file bankruptcy????
    Dont you have to wait a certain amout of time after you file before you can qualify for any type of credit or am I mistaken?

    ____________
    Within a couple months of filing, you will start getting offers from new credit card companies. “Fresh start” is what you get when you file bankruptcy. You can purchase a new home within 2 years.

  84. 84
    JMO says:

    Good Morning everyone :waves:

    @Chi & @Tatted … the turkey & mac and cheese were good! :thumbsup:

  85. 85

    DBLAQ
    you mean DOUGIE????

    I see you Sandra

  86. 86
    candibfly says:

    @dougie

    yeah i have an amex and of course u have to pay that off every month to avoid interest. i have 2 other cards that i’m paying off and won’t use for anything major unless i have to.

    i also use bill me later. i buy my plane tickets home or use it at other stores and the interest is 0% if u pay it off in 6 months…(otherwise its 19.99%) so i just always pay it off within 6 months.

  87. 87
    bnatural says:

    Auntie, you are trending on twitter….

  88. 88

    Well thanks for chitting on our parade Dblaq… :mad:

  89. 89
    free says:

    pointhimout says: amex with a 30k limit? really..interesting.

    ******************************

    i got amex w/$30k limit but my shyt is clean as a whistle. my luck just ain’t good enough to go through bankrupcy and smell like roses coming out though….

    i’ve been thinking hard about ditching my house though. having a great record just doesn’t pay. can’t get a refi, can’t get a reduction, can’t get stamps, can’t get EIC, can’t get shyt!

  90. 90
    caligirl says:

    kahmmillion says:

    Anyone hear of the 35 yro woman with 15 kids – who lives in a 1 bdr hotel room – is demanding that the government take care of her and her kids and when the judge asked her if she was preggers again, refused to answer and was sent to jail?
    :wtf:

  91. 91

    @JMO
    :yahoo: I’m glad the turkey turned out good!! I didnt even have to cook…my aunts and cousins in Detroit did EVERYTHING!! But I’m throwing a suprise anniversary party for my mother and father in law on Saturday….so I guess I’ll be making up for not cooking on Thanksgiving then…

  92. 92
    pointhimout says:

    Sandra’s trending? haha, let me log into twitter. she was in semi-rare form last night.

  93. 93
    JMO says:

    Sandra Rose says:

    Hi dblaq! :hi:
    ________________________________________________________________________

    Gotta love it :rofl:

  94. 94
    pointhimout says:

    @free with that type limit, who needs a 3rd card. I know amex will put the smack down on you, take ya schit without warning. so a backup card is necessary.

  95. 95

    Damn Sandra,
    they going hard in the paint on your ass on Twitter. :wtf: did U say to piss people off? :coffee:

  96. 96
    AndThenIHitMyDougie says:

    @Candi
    I just opened a credit card last week with a $5k limit (citibank), it’s no interest for 1st 15 months and no annual fee. I don’t plan on using it (just like the other 5 cards I DON’T use) but it makes my ratio look higher.

    AmEx sends me an invitation to apply to them talking I’m pre-approved no less than 2x a month, but my thing with AmEx is their annual fees are so high. They waive it for the 1st year and then its $149/year after. I can’t see myself wasting $149/year on a card I won’t even use…even if they do give points for everything. Do your points come in handy?

  97. 97
    free says:

    AndThenIHitMyDougie says: I’m willing to bet that her limit got slashed down to nothing when the market crashed though, because around mid-2008, I begin reading and hearing about AmEx folks who had their REALLY high limits taken down to almost NOTHING and as far as I can remember, I ain’t seen that AmEx since about around early 2008 when she used it to pay my grad fees.

    ***********************************

    they started profiling, supposedly based on where you were spending your money, but they didn’t hit everybody. i was kinda surprised because capital one started acting a FOOL, raising rates with no rhyme or reason, just citing the economy, and i expected amex to do something too but they didn’t slash my limit or raise my rate. needless to say, i have since moved on from capital one.

  98. 98
    kahmmillion says:

    @ dblaq

    First off, I never said my mother filed bankruptcy…please direct that comment @ AndThenIHitMyDougie. Secondly, I said I DO bankruptcies….i.e. I prepare bankruptcy filings.

    If you file a chapter 7, you have to pass a “means test” in order to file under that chapter. If you do, then you do not have to pay anything back if you do not have the money to pay it back. Chapter 11 and Chapter 13, you have money, you set up a 5 year plan that you have to pay in to, so that your creditors get some of their money back. Please don’t try to school me on bankruptcies….I do this every day….

    I must say, you are totally insane….you really need to learn to read before you even try to come at me about bragging about bankruptcy. It is people like you who tell black people that they should not file bankruptcy because it will mess up their credit and their credit score is 500.

    So you know, you can keep your house and your car if you file bankruptcy.

  99. 99
    pointhimout says:

    yep Sandra, ur trending. too funny. folks be mad at SR too. comical.

  100. 100
    bnatural says:

    chibytex aka the people’s champ says:

    Damn Sandra,
    they going hard in the paint on your ass on Twitter. :wtf: did U say to piss people off? :coffee:
    ———————————-

    I’m guessing it was the comments on everyone being molested as a child….I’m just guessing though…

  101. 101
    AndThenIHitMyDougie says:

    @Free
    You preaching to the choir!! I have pristine credit and always pay on time and in full, but I can’t get energy assistance, food stamps, nothing! Not even when I was laid-off!! They said my damn unemployment was too far above the “guidelines” to give me anything!

    It don’t pay to be a good, on-time citizen at all!! :mad:

  102. 102
    pointhimout says:

    they’re saying that SR said all people were molested as children????? where at; twitter?

  103. 103
    free says:

    AndThenIHitMyDougie says: I can’t see myself wasting $149/year on a card I won’t even use…even if they do give points for everything. Do your points come in handy?

    *******************************

    YES. you can earn your annual fee back easily but it depends on how and how much you use it. i pretty much use amex as a travel card.

  104. 104
    bnatural says:

    pointhimout says:

    they’re saying that SR said all people were molested as children????? where at; twitter?
    ———————–

    Look at her twitter page….

  105. 105
    Ty says:

    free says:

    pointhimout says: amex with a 30k limit? really..interesting.

    ******************************

    i got amex w/$30k limit but my shyt is clean as a whistle. my luck just ain’t good enough to go through bankrupcy and smell like roses coming out though….

    i’ve been thinking hard about ditching my house though. having a great record just doesn’t pay. can’t get a refi, can’t get a reduction, can’t get stamps, can’t get EIC, can’t get shyt!
    ___________________________________
    I am with you Free. I am thinking about ditching my house also. Especially when there are larger houses in my area for $50-70k less. I have never been late or missed a payment on anything and I cant get a reduction from Wells Fargo :cuss: They had the nerve to tell me to reapply when I am experiencing severe financial hardship .

  106. 106
    !*LaKErCHiC@*! says:

    i have some extra camotes *sweet potatoes** anything besides pie i can make with this…?? :waiting:

  107. 107

    I must say, you are totally insane….you really need to learn to read before you even try to come at me about bragging about bankruptcy. It is people like you who tell black people that they should not file bankruptcy because it will mess up their credit and their credit score is 500.
    _____________________________________________________________
    :lol: Their credit is already fukked up, so they may as well file!!

    **** that’s something to think about…cause since I’ve been laid off my credit is shot to hell. I may need to read more into this…

  108. 108

    So your interest rate isn’t determined by your credit score????

  109. 109
    free says:

    pointhimout says: @free with that type limit, who needs a 3rd card. I know amex will put the smack down on you, take ya schit without warning. so a backup card is necessary.

    *******************************

    i have amex and visa only. i don’t believe in traveling with just one card but i also don’t believe in more than two. visa is my every day card (gas, useless internet shyt, etc) and amex sits in my nightstand!

    i’m going to try to go back to cash though.

  110. 110

    :rofl:
    Somebody just tweeted that Sandra is the black Rush Limbaugh….
    :rofl:

  111. 111
    AndThenIHitMyDougie says:

    @Kahmillion

    I ignored them although I know they were talking to me. You can CLEARLY tell they’re knowledge came from Google or Wikipedia or something. I know too many folks who’ve filed BKR (Black & White) and have yet to seen nary a one of them lose a thing.

    As far as Dblaq….

    @Dblaq
    My “trifling” mama told me to tell you to “suck a fat one” as she sips her wine from her Audi. You mad, boo? :coffee: <—- (really, my mom's wine)

  112. 112
    NaijaGal says:

    @Cali :wtf: indeed…it’s people like that that really piss you off…the innocent parties are the kids who didn’t ask to be here…ugh :mad:

  113. 113
    kahmmillion says:

    @ chibytex aka the people’s champ says:

    I must say, you are totally insane….you really need to learn to read before you even try to come at me about bragging about bankruptcy. It is people like you who tell black people that they should not file bankruptcy because it will mess up their credit and their credit score is 500.
    _____________________________________________________________
    Their credit is already fukked up, so they may as well file!!

    **** that’s something to think about…cause since I’ve been laid off my credit is shot to hell. I may need to read more into this…

    ___________

    Idk why people getting mad because I am trying to help black people get out of debt. I mean, not everyone was spending wildly, buying things that they can’t afford…there are people who have lost their jobs, who have gotten sick….life happens and this is one of the only ways to get your head above water. I will continue to encourage people to file bankruptcy. I don’t care what anyone says about it…they can miss me.

  114. 114
    !*LaKErCHiC@*! says:

    @ty my madre was talkn to me about not paying her casa no more since its not worth what she had to pay for it… :shrug: she aint sure she going to do it tho..times are fukn hard!!

  115. 115
    Ty says:

    bnatural says:

    pointhimout says:

    they’re saying that SR said all people were molested as children????? where at; twitter?
    ———————–

    Look at her twitter page….
    _________________________________
    :wtf: Somebody copy and paste…I dont remember my password :think:

  116. 116
    pointhimout says:

    you’ve been sandra rosed. some folks just say good morning, SR has her own attn wake ya ass up type language. comedy.

  117. 117
    AndThenIHitMyDougie says:

    @Free
    So you think I should get the card then and use THAT one as my everyday card that I pay off each month instead of the Visa I use now? Would I earn my annual fee back that way?

    @Brown
    HELL NO!! My score is in the damn mid-700s and I don’t have nary a card with an APR UNDER 18%.

  118. 118

    :waves: SR

    RANT: Hate this clinique advertisment

    K let me go and read about being broke

  119. 119
    pointhimout says:

    bnatural, I can’t fool with SR on twitter while I work….be laughing too hard. hell, folks already think I talk to myself fooling with yall on her blog.

  120. 120
    Bird says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    So it’s good to file bankruptcy????
    Dont you have to wait a certain amout of time after you file before you can qualify for any type of credit or am I mistaken?
    ********************************

    No ur not. Folks wearing some rose colored glasses talking about being bankrupt with huge credit limits and such. I did it myself over 20 years ago and I was working for a bankruptcy attorney at the time. Ain’t nothing good nor easy about that shid if you value your credit score which will be in the dumps for 10 YEARS after filing. I had to get secured credit cards to start over and had to beg for a mortgage 9 years after filing despite my income.

  121. 121

    If I can’t pay cash for it I dont get it so I dont do credit cards

  122. 122

    @KAHMILLION
    “It is people like you who tell black people that they should not file bankruptcy because it will mess up their credit and their credit score is 500.”
    __________________________________________________________________________

    Truest chit you ever spoke!

  123. 123
    AndThenIHitMyDougie says:

    @Ty & Free
    If you can buy another house 1st (which may be hard to do these days), then let the other one go if you have to.

    My mother did that last year. But you have to buy the better, lower-cost one FIRST and then wait a few months before letting the old one go into foreclosure. I don’t know the rules and stuff about this as well, but someone in the mortgage industry or a foreclosure specialist may can give you good guidance on this.

  124. 124
    candibfly says:

    i haven’t redeemed my points. i forgot i had some :lol: but when i go home i’ll look into redeeming them

    can’t do shyt on these gov computers with IE 5 :mad:

  125. 125
    candibfly says:

    i just use my credit cards wisely. sometimes i don’t want to use all my cash at once on a purchase :shrugs:

  126. 126
    datsmdubya2u says:

    @kammillion

    Idk why people getting mad because I am trying to help black people get out of debt. I mean, not everyone was spending wildly, buying things that they can’t afford…there are people who have lost their jobs, who have gotten sick….life happens and this is one of the only ways to get your head above water.
    ——————————–

    :cosign:

  127. 127

    !*LaKErCHiC@*! says:

    @ty my madre was talkn to me about not paying her casa no more since its not worth what she had to pay for it… :shrug: she aint sure she going to do it tho..times are fukn hard!!
    ______________________________________________________
    In Detroit, the black folks are burning their houses down in order to get the insurance money because either the property value of their house has dropped from like $100,000 to $15,000 or their houses have been put into foreclosure and they are gonna lose the house anyway. Its like 10 burned down houses on EACH fukking block…That city looks like a damn war zone with all those burned/abandoned houses…but their theory is to burn it down before the man comes and takes your chit!!!

  128. 128
    CookieMonsterZ says:

    chibytex aka the people’s champ says:

    I must say, you are totally insane….you really need to learn to read before you even try to come at me about bragging about bankruptcy. It is people like you who tell black people that they should not file bankruptcy because it will mess up their credit and their credit score is 500.
    _____________________________________________________________
    Their credit is already fukked up, so they may as well file!!

    **** that’s something to think about…cause since I’ve been laid off my credit is shot to hell. I may need to read more into this…

    ———————————————————–

    I don’t condone bk, but I ruined my credit when I was 19-20 charging up cards, etc.. it was dumb! On top of not being able to re-build whatsoever I was stuck in a HORRIBLE car loan with a shady lender. So, I just filed and discharged in Sept. Since then I have a better loan and 2 cards that I am now using responsibly. My score fluctuates now, but it went up a good 50 points.

  129. 129

    Chi
    if it’s proven to be arson can’t the owner be held accountable for that?

  130. 130

    Is this is why I carry cash and if I can’t pay cash for it oh well :coffee:

    Still didn’t read about Tboz yet reading comments :lol:

  131. 131
    AndThenIHitMyDougie says:

    @Brown

    You should a credit card or two just to increase your revolving credit to debt ratio. You don’t have to use them. I just buy gas on one card each month ($20-30)and then pay it off before the due date so they don’t close them. You should still stick to cash but the cards can come in handy in a bad situation, you just have to be very careful with what you put on them.

  132. 132
    !*LaKErCHiC@*! says:

    @chi my madre got pissd they pricing her house half of what she got to pay now **owner to owner kinda sell** so she thinking of just looking for another… :shrug: idk what she need to do but i told her to go talk to somebody before she take that step

  133. 133
    pointhimout says:

    @127, and what about the neighbors? that is extremely selfish, imo. I also frown on folk filing bankruptcy. I figure it’s your debt, find a way to pay it. that’s simplistic, I know. I do think it’s important to educate yourself on the pros vs cons of filing any bankruptcy.

    but yeah, burning down houses? we haven’t grown to that level of ****schit in Atlanta yet. that’s ridiculous.

  134. 134

    No ur not. Folks wearing some rose colored glasses talking about being bankrupt with huge credit limits and such. I did it myself over 20 years ago and I was working for a bankruptcy attorney at the time. Ain’t nothing good nor easy about that shid if you value your credit score which will be in the dumps for 10 YEARS after filing. I had to get secured credit cards to start over and had to beg for a mortgage 9 years after filing despite my income.
    ________________________________________________
    I think I may take my chances cause my credit is shot to hell and I’m not looking to buy a house right now. It may be a good idea to file and give myself 10 years to save money and get my credit together to buy a house. I will be having this conversation with the mister this evening…

  135. 135

    If I can’t pay cash for it I dont get it so I dont do credit cards
    ____________________
    :yes: :lol:

  136. 136
    Ty says:

    !*LaKErCHiC@*! says:

    @ty my madre was talkn to me about not paying her casa no more since its not worth what she had to pay for it… she aint sure she going to do it tho..times are fukn hard!!
    ___________________________________________
    Its really crazy Laker. They got over with these damn houses and I am really considering buying a damn foreclosure and a rental property and call it a day. Especially when you can get more house for less money now. I am looking at a brick townhouse in Cobb County as an investment property. Its listed at $26k and I know they will take between $15-20k.

  137. 137
    sexyphillygirl says:

    I was thinking of filing for bankruptcy but I dont wanna lose my house or my car. I know the student loans will never go away.

  138. 138
    free says:

    @ty, me too! i need a larger home but i can’t do shyt right now. the prez is trying to make refi easier but that’s only if you have freddie mac or some shyt that i don’t have. plus these county mother suckers added 30% to my tax bill even though the house ain’t worth shyt. i’m stuck like chuck and the mortgage company knows it!

    somehow i feel like we’re the ones going to be azz out when all this blows over….

  139. 139
    AndThenIHitMyDougie says:

    @Candi

    “….sometimes i don’t want to use all my cash at once on a purchase.”

    ^^^ That’s why I use mine. I may buy something for $200 and have the money to cover it, but would rather put it on the card until my NEXT check and THEN pay the card the full $200.

    Credit cards can be GREAT…if managed right. Does your AmEx have that ridic annual fee too? IS AmEx a good lender? AmEx is the only credit card I DON’T have.

  140. 140

    If they’re burnin their houses down how can they control where the damn fire goes. What if it travels and ends up killin a neighbor
    that’s some ignanant shyt

  141. 141
    NaijaGal says:

    I just re-opened an express card cause they had some really nice slacks I wanted :oops:

  142. 142

    @BROWN
    “Chi
    if it’s proven to be arson can’t the owner be held accountable for that?”
    ____________________________________________________________________________

    Only if it’s proven that the insured actually caused the fire.

    Got a lot of rogue arsonists out there preying on the innocent.
    :coffee:

  143. 143

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    Chi
    if it’s proven to be arson can’t the owner be held accountable for that?
    ________________________________________________
    Hell the white folks are almost condoning the chit…they want the niggas out and they want their city back anyway. they are willing to pay you $50,000 for your property in order to build a house on the SAME property for $100,000-$150,000. Plus all we gonna do is take the money, move into an apartment and go buy a new car…they white man wins either way…

  144. 144

    @TY
    ” Its listed at $26k and I know they will take between $15-20k.”
    ____________________________________________________________________________

    :shocked:

    I WOULDN’T EVEN THINK TWICE ABOUT THAT!

  145. 145
    !*LaKErCHiC@*! says:

    @ty my madre is soo worried about letting her casa go but she lookn around and the houses that are priced as high as her casa was priced 8 yrs ago are waaaaaaaaaaaaay better so she going to talk to some people and make the decision..

  146. 146
    free says:

    *LaKErCHiC@*! says: @ty my madre was talkn to me about not paying her casa no more since its not worth what she had to pay for it… she aint sure she going to do it tho..times are fukn hard!!

    **********************************

    my mom walked after putting about $40k down on her condo. the entire development went to the dogs. she’s retired and they can’t really touch her retirement. she’s chilling in an apartment now. in georgia, they can come after you so this is the only reason i’m still thinking about it and not doing it.

  147. 147
    CookieMonsterZ says:

    pointhimout says:

    @127, and what about the neighbors? that is extremely selfish, imo. I also frown on folk filing bankruptcy. I figure it’s your debt, find a way to pay it. that’s simplistic, I know. I do think it’s important to educate yourself on the pros vs cons of filing any bankruptcy.

    ——————————————————–
    I struggled with deciding to do it, but it was the only way I could fix my credit to the point where I’d be able to buy a house in a couple years. I did feel guilty, but I’ve also learned from my mistakes and have accepted it.

    Btw, during my bk hearing, there were ppl of ALL races who were on their 2nd and 3rd bk’s. They filed 8 yrs after the prior one, right on schedule, bc you can file every 8 years.

  148. 148

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    If they’re burnin their houses down how can they control where the damn fire goes. What if it travels and ends up killin a neighbor
    that’s some ignanant shyt
    _____________________________________________________
    I agree but that what they are doing… I was in AWE at the chit I was seeing…its like every other house is either burned or partially burned…The city looks like Bosnia or some chit…

  149. 149
    AndThenIHitMyDougie says:

    I know a certain singer/celeb in ATL who bought his townhouse house in 2007 for $460k+ and had it appraised in Dec 2008 and had a fukkin CONNIPTION when it came back valued at $235k.

    That’s just how bad the economy is. He’s still there though because he can’t sell it or get his money he lost on it back so now he’s just trying to refi. I felt REALLY bad for him.

  150. 150

    ***FYI****

    Funds placed in “Retirement Accounts” and “Annuities” are protected even from Civil Lawsuits (i.e. O.J. Simpson’s NFL pension after he lost the Civil Case)

    :coffee:

  151. 151

    One thing these celebrities fail to realize is when you spend money like water, the well eventually runs dry.
    _________________
    :yes:

  152. 152
    Ty says:

    @Ty & Free
    If you can buy another house 1st (which may be hard to do these days), then let the other one go if you have to.
    _______________________________________
    Thats what I am looking into now. Its some really good foreclosures out here and I am definitely trying to take advantage of them. I can’t wait to tell Wells Fargo to kiss my azz :cuss:

  153. 153
    cheeks8683 says:

    See the problem is folks buy 1.2 million dollar homes and fail to think of the utilities…

    My apt is 750 feet…Real cute and in a good neigborhood with covered parking but still just 750ft…Thats enough for just me. My utilities run about $150 a month (electric, gas, water) during spring when I dont use them much and as high as about $250 during the summer…Mind you I turn errrrrthing off whenever I leave the house….Now multiply that by how many feet she has in per mansion….basically folks need to stop trying to keep up with the Jones’. Heck I could afford a Mercedes but I roll with my Altima, cause I approciate that extra $30k in my bank account… :coffee:

  154. 154
    CookieMonsterZ says:

    sexyphillygirl says:

    I was thinking of filing for bankruptcy but I dont wanna lose my house or my car. I know the student loans will never go away.

    —————————————————-
    You can keep it, as long as the payments stay current OR you catch up by the time the BK is discharged. However, if you get more than 2 months behind during the BK they can go to the judge and ask to reposess/foreclose.

  155. 155
    bnatural says:

    Credit cards can be GREAT…if managed right.
    ——————–
    You should a credit card or two just to increase your revolving credit to debt ratio. You don’t have to use them. I just buy gas on one card each month ($20-30)and then pay it off before the due date so they don’t close them.

    —————————–

    :cosign: on both of these statements…. I only have 1 credit card after having 3 of them. I only need/want one right now.

  156. 156
    candibfly says:

    @dougie

    yes but the annual fee is $25. now i’m just using my amex for small purchases and for my EZ pass when I go to NYC

  157. 157
    JMO says:

    AndThenIHitMyDougie says:

    @Brown
    HELL NO!! My score is in the damn mid-700s and I don’t have nary a card with an APR UNDER 18%.
    ________________________________________________________________________

    Yep, same here. My credit score is mid 700s (I think thats good :shrug: ) and I have 2 credit cards with high interest rates. I think its because I didn’t have any credit until after I graduated college. I pay my cards off every month as well. I just got them to build my credit score.

    Shouldn’t the rates decrease though?

  158. 158
    dblaq says:

    Ok, @kahmmillion my bad, I thought that was you that wrote about your mama filing bankruptcy twice and doing it again.

    In regards for me to tell black people not file Bankruptcy. Let me make myself clear, there are reasons to do it and reasons NOT to do it. People like you that come and say that a Bankruptcy is a way to beat the system and it is all good, is total B.S. You say you file Bankruptcies all day so that means you make money off this. You don’t know how it impacts these people a year from because every case is different. For you to be able to keep your car and home, depends on different factors like how much you owe, how far behind you are and what is your ability to become current. If you are too far gone then you can lose car and home. So don’t paint it like that sh!t is the perfect solution. A Bankruptcy should be the last resort after you tried working with your creditors or do something with a Consumer Credit Counseling Agency (Non Profit)

    I know people that filed and wished they never did and I know people that filed and it was a blessing but their situations are different.

    And FYI, I do read, I read a whole lot and that is why I am saying what I’m saying in addition to dealing with people that went through it first hand.

    So to be simple – A Bankruptcy can be a blessing to some and a hell of a curse to others it depends on their situation. Just because you have a 500 credit score, you can build that back up in some cases way faster than when you filed. Did you know that if you tell your creditors that you may be filing for Bankruptcy that they will be a lot more willing to work with you? Also if you know how to negotiate you can work something out that may be to your benefit since they are trying to get you to pay. There many options beside filing and they can sometimes help you get on track much faster. But you would need to know that and read in order to see what’s available to you!

    What up Sandra, I see you!

  159. 159
    AndThenIHitMyDougie says:

    @Free
    It’s a house I fell in love with listed at $425k when it first went on the market a while ago. (Was last sold for $720k in 2006). Ive been eyeing it waiting until it drops to about $380k. Once it hits that, I’ma swoop in and try to get it for $350-360k. It’s been less than a month and it’s already down to $405k.

    I’ma get me a banging azz 1/2 off foreclosure if I can help it! :yahoo:

  160. 160

    The city looks like Bosnia or some chit…
    _______________
    Damn shame and this is only the beginning

  161. 161
    JMO says:

    cheeks8683 says:

    See the problem is folks buy 1.2 million dollar homes and fail to think of the utilities…

    My apt is 750 feet…Real cute and in a good neigborhood with covered parking but still just 750ft…Thats enough for just me. My utilities run about $150 a month (electric, gas, water) during spring when I dont use them much and as high as about $250 during the summer…Mind you I turn errrrrthing off whenever I leave the house….Now multiply that by how many feet she has in per mansion….basically folks need to stop trying to keep up with the Jones’. Heck I could afford a Mercedes but I roll with my Altima, cause I approciate that extra $30k in my bank account… :coffee:
    _______________________________________________________________________

    As my uncle would say … “lemme hold $5 dollas”

  162. 162
    free says:

    AndThenIHitMyDougie says: @Ty & Free
    If you can buy another house 1st (which may be hard to do these days), then let the other one go if you have to.

    ************************************

    citibank told me i would have to qualify with both and, if rented (my current house), they would only give me partial credit on it. i figure that’s probably the case with all the lenders since they have had a chance to get hip to the games. i’m at least going to make a few calls though. you never know what program might come up.

  163. 163

    Well IDK My credit isn’t great but it doesn’t stop me from getting what I want! WEIRD I know but I have always thought that since the NATION is in debt why should I be so concerned about mine :shrugs: Not saying Im irresponsible but my insight was different even as a teen

  164. 164

    DOUGIE
    what would your mortgage be on that 350k house

  165. 165
    kahmmillion says:

    @ AndThenIHitMyDougie

    :dead: My “trifling” mama told me to tell you to “suck a fat one” as she sips her wine from her Audi. You mad, boo? <—- (really, my mom's wine)

    I just can’t stand people who think they are doing something by trying to clown others on blogs when they don’t know :wtf: they are talking about.

  166. 166
    AndThenIHitMyDougie says:

    @Candi
    Now see- I can deal with a $25 annual fee, but that $149 is ridiculous!

    @JMO
    They should, but they don’t. I called 3 of my companies last week and asked to get my rates lowered but they wouldn’t do it. HOWEVER, last week I did manage to get my annual fee on two cards (same company) waived for this year when I threatened to close out both of my cards with them. And since they both had $0 balances- they waived it cause I was SURELY about to walk if they hit me for that $60 annual fee again on both cards.

    “I’ve got the juice now.” <— me to credit card companies :yes:

  167. 167
    Terri B says:

    Don’t feel sorry for him at all. I bet he could go back and rethink his ridiculous bets he makes with other celebs on video games.

  168. 168

    Shouldn’t the rates decrease though?
    ______________________
    They should but they won’t the economy is the blame but that bullchit the GREED is what got our economy here – The president signed a bailout for the biggest Mortgage Companies Fannie Mae and one other – that very year that they received billions in bailout money BONUSES were given to TOP EXECUTIVE in the millions – this is why I don’t play their game cuz I see right thru it – Why should I pay more money to you becuz I used your credit card for a purchase I thought I had to have – Nahhhh been there done that!

  169. 169
    pointhimout says:

    i love that here in Atlanta the common person can actually pay cash for a piece of property (10-50k). Yes, I too am affected by the drop in value, but I also want another property. sure, in whitey area, they try to keep the values high, but still. now is the time to buy really. imagine having a home/condo/townhouse paid OFF. schit, that’s what the average person is paying off, 30 years usually. you have those who will still run out and finance a 150k house when 75 would’ve done just fine. and for the love of God, NEGOTIATE, RESEARCH. if a house has been sitting empty for months and the price has continued to drop, use that to your advantage.

  170. 170
    I Go There says:

    Mornin folks
    I hope everyones Thanksgiving was to their liking

    What we on today?

  171. 171

    Don’t feel sorry for him at all. I bet he could go back and rethink his ridiculous bets he makes with other celebs on video games.
    _____________________
    Or making it rain in the strip clubs :coffee:

  172. 172
  173. 173
    AndThenIHitMyDougie says:

    @Brown
    If I got a REALLY REALLY GOOD interest rate (3.5%), over 30 years at $350k with $30k down (so really about $320k), and with allowances for the property taxes, homeowners insurance and mortagage insurance (estimates I’ve gotten from various companies I inquired with), the mortgage would be about $1600- 1900/month.

    With a middle interest rate at about 5%, more like $2400-2600/month. I’m shooting for about 4%, which would be about $1900 – 2100/month.

  174. 174
    Terri B says:

    She better lower her standards. There is no excuse for any black woman not being able to survive off of $11,000 a month. Swallow your pride and live within your means.

  175. 175

    Well IDK My credit isn’t great but it doesn’t stop me from getting what I want! WEIRD I know but I have always thought that since the NATION is in debt why should I be so concerned about mine :shrugs:
    ___________________________________________
    :yes: I totally agree!

  176. 176
    MsOnederful says:

    Choco aka Hippie says:

    Don’t feel sorry for him at all. I bet he could go back and rethink his ridiculous bets he makes with other celebs on video games.
    _____________________
    Or making it rain in the strip clubs :coffee:

    And splashing off in groupies :coffee:

  177. 177
    CookieMonsterZ says:

    If you don’t use credit then you will never be able to buy a house. Plain and simple. So if you don’t use credit cards, then you have got to be renting or living with other people. Additionally, if you just have cash and are able to buy large items, like furniture, then you must be making six figures or don’t have a savings.

  178. 178
    pointhimout says:

    off topic: that older black guy in my office (50ish) has the nicest ass, man. fa real. I’ma take a pic of it. DONT JUDGE ME, hell yall have done it too. #newscreensaver for now.

  179. 179
    free says:

    AndThenIHitMyDougie says: @Free
    It’s a house I fell in love with listed at $425k when it first went on the market a while ago. (Was last sold for $720k in 2006). Ive been eyeing it waiting until it drops to about $380k. Once it hits that, I’ma swoop in and try to get it for $350-360k. It’s been less than a month and it’s already down to $405k.

    I’ma get me a banging azz 1/2 off foreclosure if I can help it!

    *****************************************************

    the prices in the ATL are dropping like dead flies. if you can qualify for a mortgage, i swear the ATL is yours for the taking. it just AIN’T FAIR!!! i’m the dummy propping up this flimsy market because i’m in my home paying for it as originally agreed. meanwhile only about 4 people on my block are originals. i’m about to cry now….

  180. 180
    NaijaGal says:

    T-Boz’s situation may be different due to medical expenses…a lot of times people end up filing because of medical bills and nothing else…she didn’t choose to have sickle cell nor did she choose to have a brain tumor

  181. 181

    If you don’t use credit then you will never be able to buy a house. Plain and simple. So if you don’t use credit cards, then you have got to be renting or living with other people. Additionally, if you just have cash and are able to buy large items, like furniture, then you must be making six figures or don’t have a savings.
    _____________________
    :nono: NOT TRUE! I said I don’t have credit cards now! And I don’t want them – I find it stupid for me to pay to use your chit when I can pay cash and leave it at that!

  182. 182
    CookieMonsterZ says:

    If you don’t use credit then you will never be able to buy a house. Plain and simple. So if you don’t use credit cards, then you have got to be renting or living with other people. Additionally, if you just have cash and are able to buy large items, like furniture, then you must be making six figures or don’t have a savings.

    *you will stay renting or living with other people

    OR you have inherited $ from someone to be able to do all of that without credit. In which case, must be nice!

  183. 183
    pointhimout says:

    oooooooooh free. what’s the name of the subdivision? i’m kidding, but yeah. it keeps me from relocating to another state, real talk. it would have to be an excellent opportunity for me to leave ATL at this point. cuz I’d relocate my sexy ass right into an apt. no way. I know ATL’s market like the back of my hand. why would I NOT take advantage of it while I can?

    Free, I know areas in the A where homes once sold for upper 700’s-1+mil, and are now 3-500. I know those owners are pissed. hey T.O. but again, this is the time for buyers to get within their means, clean up ur credit and get a house, walking away from closing paying 600 (inclusive of PITI) for a piece of property vs rent, that should be ur motivation.

  184. 184
    Terri B says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    So it’s good to file bankruptcy????
    Dont you have to wait a certain amout of time after you file before you can qualify for any type of credit or am I mistaken?
    ~~~~~~~~~~~~~~~~~~~~~~~~~~

    Girl I know some people who filed and the moment they did, creditors where throwing offers for credit cards, auto loans, etc their way. It’s because when you file, it becomes public and they know you have a fresh start and don’t have all the bills you used to have, and they want to be the first to get your money.

  185. 185
    kee kee says:

    there really is some mis information out there. I filed for chapter 13 bankruptcy to stop the IRS from bullying me. Not only was I able to keep both my house and my car, but i am now free from OLD IRS Debt. I didn’t know until a “pink” friend schooled me that there the IRS has a statute of limitations on when they can collect a debt. My “pink” friend referred me to an attorney and i will tell you it was the BEST advise i’ve ever been given. Yeah there are some down sides to filing bankruptcy but it saved me from having to deal with the harrasment from the IRS and I got to CRAM DOWN my car, meaning, I only have to pay my creditor the blue book value of my car and they lowered my interest rate to 6%. So while some abuse the system, it was a life savor for me. And in a few years I’ll be debt free with the exception of my house, so I’m GOOD!!!!

  186. 186
    MsOnederful says:

    AndThenIHitMyDougie says:

    @Brown
    If I got a REALLY REALLY GOOD interest rate (3.5%), over 30 years at $350k with $30k down (so really about $320k), and with allowances for the property taxes, homeowners insurance and mortagage insurance (estimates I’ve gotten from various companies I inquired with), the mortgage would be about $1600- 1900/month.
    With a middle interest rate at about 5%, more like $2400-2600/month. I’m shooting for about 4%, which would be about $1900 – 2100/month.

    I say do what my co-worker recently did. Just went to her house warming in Queens, N.Y. this past Saturday. I’m 2 embarrassed to ask what she paid for it, but she bought a 2 family house out there. Word on the street is she saved 4 Years worth of salary. Basically or probably put down 60% to 70% down that way the mortgage will be finito in no time. Mister may be able to compromise a lil since yall gonna be starting a family you can put the bulk down for the deposit That way by the time the lil one is 5th 6th Grade. Mortgage? YES! Paid OFF! :)

  187. 187
    Terri B says:

    I have medical bills and a child to take care of as well and I’m doing it with far less then she is bringing in.

  188. 188
    CookieMonsterZ says:

    Choco aka Hippie says:

    NOT TRUE! I said I don’t have credit cards now! And I don’t want them – I find it stupid for me to pay to use your chit when I can pay cash and leave it at that!
    ————————————-
    But you did have them at the time you bought a home right?

  189. 189
    AndThenIHitMyDougie says:

    @Free
    Oh… I’m sorry about your situation. Definitely call around and see what info you can get about getting out of that loan and starting over somehwere else. I believe that where there’s a will, there’s ALWAYS a way. :yes:

  190. 190
    Ty says:

    Man, I just don’t care™ says:

    @TY
    ” Its listed at $26k and I know they will take between $15-20k.”
    ____________________________________________________________________________

    I WOULDN’T EVEN THINK TWICE ABOUT THAT!
    _____________________________________________
    I know Man but I am trying to figure out how to shake my house first :think:

  191. 191
    renegadesince1985 says:

    Auntie….I see you got the twitterverse in a frenzy…I see you! :coffee:

  192. 192
    JMO says:

    AndThenIHitMyDougie says:

    @Candi
    Now see- I can deal with a $25 annual fee, but that $149 is ridiculous!

    @JMO
    They should, but they don’t. I called 3 of my companies last week and asked to get my rates lowered but they wouldn’t do it. HOWEVER, last week I did manage to get my annual fee on two cards (same company) waived for this year when I threatened to close out both of my cards with them. And since they both had $0 balances- they waived it cause I was SURELY about to walk if they hit me for that $60 annual fee again on both cards.

    “I’ve got the juice now.” <— me to credit card companies :yes:
    ______________________________________________________________________

    :lol: I only have 2 credit cards, both through my bank. I thought about cancelling 1 because they stopped giving me rewards on them. I rarely use it but will it damage my credit if I cancel it? I heard it would so I havent yet…

  193. 193
    AndThenIHitMyDougie says:

    @Kee kee
    Say what now? Tell me more about the IRS-debt being erased. Now THAT, I could use.

    @MsOne
    If we could save up 3-4 years of salary just on ONE end, than a $350k would be pretty much paid off in TOTAL. We’d be buying the house cash-only, no loan. I’m not THAT disciplined. LOL! I have a sis who’s looking for a house now and she and her husband have saved up $100k to put down. I wish that was us…sh*t.

  194. 194
    I Go There says:

    Hey whats up Choco

    In dealing with credit I find that its a learning thing. Most of us didnt find out about Credit ratings and Investing till we were much older and by then a few mistakes were made.

  195. 195

    I have a sis that paid cash for her house 280 because she said she didnt want a mortgage payment. I guess it just depends on how bad you want it

  196. 196
  197. 197
    Terri B says:

    Ty says:

    TBoz should have learned the first time. Why did she need a $1.2 million house for 2 people. She is making $11k/month which is still six figures. She better go find a damn foreclosure for 50% off like everyone else. Why can’t she live off $132000/yr. :think:
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

    My point exactly! This is nothing new for her, medical bills is not excuse. If you bringing in over $100,000 a year and can’t stay afloat, something is wrong. Stop trying to keep up with the Jones. If I was bringing in that much, I wouldn’t even have a mortgage payment, because my house would be paid off my now.

  198. 198
    AndThenIHitMyDougie says:

    @JMO
    It will hit you for a few points if you close out a card if you close out the longest running card you have or if you close out any card with a balance, or if you still have a balance on the cards you left open. If you have 0 balances on ALL of your cards, it’ll be fine as long as the card you close isn’t the longest credit line card you now have. But if ALL of your card balances aren’t 0’d out, then your score will drop a few because you’ll be raising the debt side of your “debt-to-credit” ratio.

    Did that make sense? (I tried as best I could.) :lol”

  199. 199

    But you did have them at the time you bought a home right?
    _________________________
    No I didn’t I paid them off got some charged off and kept it moving with out credit cards. Had an AMEX and just felt trapped I don’t like that feeling

    @EGO
    Agreed I was 15 when I had a credit card with a $5K limit – Seriously tho predatory lending! The upside I vowed to never get another credit card again in my life

  200. 200

    I have a sis that paid cash for her house 280 because she said she didnt want a mortgage payment. I guess it just depends on how bad you want it
    _______________________
    Im the same way I don’t want to be married to a lender for 30 years I’d rather pay cash!

  201. 201
    kee kee says:

    @AND

    the IRS only has a 3 year window after they’ve assessed that you owe them to collect. that’s why they are so aggressive with us little folk, cause we dont’ have the money to pay an attorney to fend off their efforts. When filing for Chapter 13 bankruptcy, it will be determined what debts are secured and unsecured. Because my debt with the IRS was OLD, and no longer able to be considered secured, it is now dischargable. Thus, if I complete my repayment plan and required counseling, my unsecured debt with them is discharged in bankruptcy. Now I have to pay a small amount back under my plan agreement but it’s almost 90% less than what I would have had to pay them back AND no penalties and interest. Now I’m not an attorney so I can’t give any legal advice, just stating what happened in my situation.

  202. 202
    Yall still crazy says:

    I have ZERO credit cards (by choice-I previously had a couple) and I was able to secure a 30 yr mortgage.

    So whoever said that you can’t establish credit(purchase anything) without having credit cards is incorrect.

    CHALLENGE (from Cosby Show)

  203. 203
    I Go There says:

    @EGO
    Agreed I was 15 when I had a credit card with a $5K limit – Seriously tho predatory lending! The upside I vowed to never get another credit card again in my life
    ______________________________________________________

    Most kids get caught up in College… Banks will give kids cards knowing full and well they are gonna have trouble paying them off. And thats when the trouble starts. To this day I dont know why public schools dont have classes about credit and maintaining your finances.

  204. 204
    AndThenIHitMyDougie says:

    @Keekee

    REALLY?! Okay… thank you for that. I’ma look into that RIGHT NAH!

  205. 205
    Yall still crazy says:

    *whispers*

    And If you pay an extra $100 towards your mortgage every month PLUS make one extra mortgage payment during the year

    YOU CAN BE FINISHED PAYING YOUR MORTGAGE OFF LIKE 10 YEARS AHEAD OF TIME.

    Alabaster folks put me up on that one :coffee:

  206. 206
    Terri B says:

    The IRS will work with you, as long as you don’t try to avoid them. If you owe after filing, just tell them you can’t afford to pay it in full, and as long as you don’t owe a huge amount, you can pretty much set up your own minimal monthly payment amount. If you owe a large amount, they will will give you a minimal amount to pay monthly, but it’s usually a reasonable amount. It’s only when you let it get out of hand is when they get aggressive.

  207. 207

    KEKE
    I remember hearin the taxes had to be at least 3 yrs old

  208. 208
    I Go There says:

    I have a sis that paid cash for her house 280 because she said she didnt want a mortgage payment. I guess it just depends on how bad you want it
    _____________________________________________________________

    If she has it….thats what should be done
    OR you should get a home and try to pay it off as fast as you can.
    When doing the math a 280K home even with a nice interest rate can cost you damn near twice as much by the time you are done with the 30 yr payment.

  209. 209
    Yall still crazy says:

    Igo,

    I sit my little one down with my paystub and I write down what goes where and the look on his face is like :wtf:

    :shrug: I am trying to teach him the importance of getting past a college degree so that he can make decent money and be able to support a family.

    They should teach classes in school though IMO

  210. 210
    kee kee says:

    @And, I would say talk to a tax/bankruptcy attorney. they can be quite expensive but I was able to put my attorney’s fees in as a part of my repayment plan for bankruptcy. Good Luck…and let me say this, bankruptcy is not an EASY way out, it was painful as hell, almost akin to buying a house with how much they look through your finances, but again i say it was worth it and as someone said I was amazed when i went to court that there was only me and another african american there, all the other cases were PINK PPL and one couple had like 6 freakin houses, from what i gather, they were slum lords and got to pick and choose what houses they were going to keep.

  211. 211
    AndThenIHitMyDougie says:

    But wait… I’ve already started paying them (with a plan) for back taxes in 08, 09 & 2010. I can’t still get them discharged then, huh?

    DAMN!!

  212. 212
    Yall still crazy says:

    :hi: Choco

  213. 213
    AndThenIHitMyDougie says:

    What about the taxes I’m finna owe them for 2011 (will be rouhgly about $4-5k). What should I do about those? Can they ONLY be discharged through bankruptcy?

  214. 214
    Yall still crazy says:

    :whistle: *cues TLC’s Ain’t Too Proud To Beg*

    #sincesomebodydontwannasingtometodayhmmmmmpppp :mad:

  215. 215
    I Go There says:

    I am trying to teach him the importance of getting past a college degree so that he can make decent money and be able to support a family
    ______________________________________________________

    Yeah I understand that totally… I do the same with mine.
    Once you are able to know how money works things can be a a bit cooler. People just find out about it too late. And dont get me started on thos student loans.

  216. 216
    kee kee says:

    @ Terri B that was not true in my case, the IRS will work with you depending on how much you owe and your income. In my case they went through my finances told Me what THEY thought I could afford to pay, and when I told them that would leave me unable to pay my CC bills etc, they basically said SO WHAT. I tried to explain that I had to pay my bills due to my clearance and they didn’t care. So I had not choice but to file bankrutcy AND find another job where i didn’t have a clearance and all because I made a mistake on my taxes YEARS AGO…

  217. 217

    :waves: Yall and yeah I would show my son my paystub but he is already into how much I bring home I just tell him how much I have to pay for by myself and that usually gets his attn

    I agree they should teach good financing in school but that would be to much like right and you already know! :coffee:

  218. 218
    Yall still crazy says:

    If ya need it in the morning or the middle of the night

    If the lovin is strong and he got it goin on

    Heyayeaye Hey yeah ooh yeah :shrug:

  219. 219

    I actually just had my son read about the 15 y o who has $50,000 in his stock portfolio – my son is great at math (knocksonwood) so I want him to benefit and utilize his talent for profit and success

  220. 220

    If ya need it in the morning or the middle of the night

    If the lovin is strong and he got it goin on
    _______________________
    :lol:

  221. 221

    :whistle:

    Wut eva you wont
    Ish awlrite wit me
    Cush u got that wippa pill
    Sho werk it on me

  222. 222
    Yall still crazy says:

    Wow, Choco, may he be blessed!

  223. 223
    Yall still crazy says:

    wippa pill :rofl:

  224. 224

    YALL
    I think our boo (Geaorge Michael) may be dyin soon if the reports are true

  225. 225

    Wut eva you wont
    Ish awlrite wit me
    Cush u got that wippa pill
    Sho werk it on me
    _______________
    :rofl:

    @ Yall thanks boo :2dance:

  226. 226
    I Go There says:

    Choco aka Hippie says:

    I actually just had my son read about the 15 y o who has $50,000 in his stock portfolio – my son is great at math (knocksonwood) so I want him to benefit and utilize his talent for profit and success
    ____________________________________

    Thats cool right there…

  227. 227
  228. 228
    JMO says:

    AndThenIHitMyDougie says:

    @JMO
    It will hit you for a few points if you close out a card if you close out the longest running card you have or if you close out any card with a balance, or if you still have a balance on the cards you left open. If you have 0 balances on ALL of your cards, it’ll be fine as long as the card you close isn’t the longest credit line card you now have. But if ALL of your card balances aren’t 0?d out, then your score will drop a few because you’ll be raising the debt side of your “debt-to-credit” ratio.

    Did that make sense? (I tried as best I could.) :lol”
    ______________________________________________________________________

    yep … thanks! :thumbsup:

  229. 229

    *notices that chief runningscared didnt acknowledge when i spoke to him*

  230. 230
    FeFe says:

    I promise if I could eliminate my student loans I’d happily pay off every single credit card I have, and my mortgage too…my student loans will likely be with me until the :dead:

  231. 231

    FEFE
    Didnt Obama just pass something where they would be erased after 20 or 25 yrs???

  232. 232
    Ty says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    YALL
    I think our boo (Geaorge Michael) may be dyin soon if the reports are true
    ______________________________________
    :crying: What happened Brown?!?!?! Does he have that big disease with the little name?

  233. 233
    I Go There says:

    *notices that chief runningscared didnt acknowledge when i spoke to him*
    ____________________________________________________________________

    LOL… why I got to be scary.
    From what I hear If i show up in your town then you will be the NO-SHOW

  234. 234

    :waves: HonyCoatd

    My sis struggled with her school loans and Im glad I saw that when I was younger I just had my companies put me through school #TUITION REIMBURSEMENT

  235. 235
  236. 236
    FeFe says:

    @Brown

    If so I’m all ova that! I need to check up on newly passed bills…Ion even owe that much (in comparison to my mortgage) but I’ve had them in forbearance for like 3 years now and I ain’t ready for them to come due again!

  237. 237
  238. 238

    IGO
    it would be dfferent if I actually wanted to see you :coffee:

  239. 239

    1. Man wears heels

    2. He’s vertically challenged

    3. He runs his mouf too much

  240. 240
    I Go There says:

    Choco aka Hippie says:

    I hate my lunch!
    _____________________________

    If I find out its Turkey Salad I will laugh at you….

  241. 241
    Tatted Diva AKA The Makeup Maven says:

    Good afternoon EVERYONE! :hug:
    I hope you ALL had a lovely Thanksgiving.

    @ JMO – You’re welcome girl. I hope you enjoyed the MAC & Cheese. I know I did! :yes:

  242. 242
    Honycoatd says:

    Is this credit assistance today?

    People need to live within their means. I am a CREDIT Freedom Activist!

    SO more power to everyone trying to clear up their credit just keep in mind- stop using (abusing) the credit cards while you are trying to clear that up you will only be keeping urself in debt.

  243. 243
    FeFe says:

    :waves: @errbody I failed to acknowledge…

    Off to lunch…

  244. 244
    Terri B says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    FEFE
    Didnt Obama just pass something where they would be erased after 20 or 25 yrs???

    ~~~~~~~~~~~~~~~~~~~

    If you apply for a Direct Loan, they have two income based options where they lower your payments based off of your income and the number of your household. It can make your payments significantly less and whatever balance you have after 25 years will be forgiven. BUTTTTT, and it’s a big but….. you will have to pay taxes on whatever amount you didn’t have to pay since they forgave it.

  245. 245
    Honycoatd says:

    fefetish
    Chocolatte
    Brownsugahotbiscuits
    cutietattedsuckableboobsies
    Y’all mad and..
    I went there
    JMO– just sayin

    :hug: Hi beautiful people

  246. 246
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    IGO
    it would be dfferent if I actually wanted to see you
    _________________________________________________________

    Yeah Yeah… Have me come to see you and then you prolly wouldnt even show up.

  247. 247
  248. 248
    AndThenIHitMyDougie says:

    Can somebody please direct me to a site where they have a vid of the guy on RHOA who swallows his own kid-juice?!

    Thanks!

  249. 249
    Tatted Diva AKA The Makeup Maven says:

    Heeey Hony. You’re nicknames be killin’ me! :lol:

  250. 250

    If I find out its Turkey Salad I will laugh at you
    _________________________
    Worse what I ate for breakfast on SAT and Im sooo mad Im giving the rest of the turkey to my dogs

    :waves: Tatted and Fe

  251. 251
    Tatted Diva AKA The Makeup Maven says:

    :dead: @ Dougie! :lol:

  252. 252
    Tatted Diva AKA The Makeup Maven says:

    Heeey Choco. How was your Thanksgiving?

  253. 253
    Mannie says:

    Sandra Rose says:

    @ Mannie: I believe the $11000 a month includes the $1,200 in royalties. But I could be wrong.
    ____________________________

    OMFG SR mentioned me…thats a first…not even joking do i get an award???

    Hey SR…

  254. 254
  255. 255

    Sup Mannie :coffee:

    @Tatted my thanksgiving was great I enjoyed the time off and how about you

  256. 256
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    so you must wear heels too
    ___________________________________________

    NNNNNNNNOOOOOOOOPPPPEEEE

    My height has never been an issue…. AT ALL
    Plus Im charming as hell.

  257. 257
    Yall still crazy says:

    :wail:

    NOOOOOOOOOOOOOOOOOOOOOOOOOOOOOO
    say it ain’t so

    @ Brown

  258. 258
    Mannie says:

    Choco aka Hippie says:

    Sup Mannie
    ___________________________

    Hey… :hi:

  259. 259
    Tatted Diva AKA The Makeup Maven says:

    Heeey Brown :hug:

    @ Choco – It was awesome. I cooked, ppl smashed & dashed! ALL I COULD EVER WANT…. :lol:

  260. 260

    Plus Im charming as hell.
    _______________________
    :sick: JERK :lol:

  261. 261

    Chief
    i havent talked to you outside of SR so your “charm” is up for debate

    Yall he’s had “respiratory” problems and not they say possible “pneumonia” although his boyfriend is denyin it but you already know

  262. 262

    I cooked, ppl smashed & dashed!
    ____________________
    Smashed as in :hump: DIZZZAAAAMMMMMM :lol:

  263. 263
    Mannie says:

    Hey Tatted…How you?

    Dougie you boycotting me? I spoke twice to you lady… :crying:

  264. 264
    Tatted Diva AKA The Makeup Maven says:

    @ Choco – :rofl: :lol: NOOOOOOO, smashed the food! I DID smash though!
    :coffee:

  265. 265
    Tatted Diva AKA The Makeup Maven says:

    Heeeey Mannie Fresh! How you doing???

  266. 266
    I Go There says:

    Choco aka Hippie says:

    Plus Im charming as hell.
    _______________________
    JERK
    ~~~~~~~~~~~~~~~~~~

    Im just saying…LOL

  267. 267
    FeFe says:

    I promise hubby and I had some of the best :hump: Thanksgiving night…it was like…whew! Ion eeem know!

  268. 268
    Yall still crazy says:

    *replays the I Want Your Sex video in my head*

    Gosh, that man was FIONE! :yes: Mmm hmmmm

    Brown, any advise for something that hasnt seen any action, but it scared its gonna hurt :ashamed:

  269. 269

    Ion eeem know
    _________________
    :lol:

    @Tatted oh okay you know how my mind works

  270. 270
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    Chief
    i havent talked to you outside of SR so your “charm” is up for debate

    ______________________________________________________________

    Now thats too bad right there…. Since Im all scared of you and all.

  271. 271

    Im just saying…LOL
    ________________
    SCREAMS :lol: :rolleyes:

  272. 272

    Choco
    I was thinkin damn they came over ate, fcked and left.. sounded like an orgy

  273. 273
    Yall still crazy says:

    Any electricians in the house? :coffee:

    #networking
    #seriousquestion

  274. 274
    Yall still crazy says:

    *is

  275. 275

    sounded like an orgy
    ___________________
    :yes: I was hoping it was I wanted details :coffee:

  276. 276

    YALL
    TAKE IT LIKE A WOMAN!
    TAKE IT HARD!
    TAKE IT FAST!
    TAKE IT REPEATEDLY!

    CHIEF
    you were the one who said you were afraid

  277. 277

    TAKE IT ON BOTTOM
    TAKE IT ON TOP
    TAKE IT UPSIDE DOWN
    TAKE EVEN WHEN THAT NICCAH TRIES TO STOP

  278. 278
    Tatted Diva AKA The Makeup Maven says:

    @ Fe – I’m sure he was grateful for that dayum meal! :yes:

    @ Choco – YES, I’m beginning to become aware of how your mind works….mine work that way too! :biggrin:

  279. 279
    Mannie says:

    Tatted Diva AKA The Makeup Maven says:

    Heeeey Mannie Fresh! How you doing???
    _____________________

    Hey lady :hi:

  280. 280
    I Go There says:

    CHIEF
    you were the one who said you were afraid
    ————————————————–

    Only of bodily harm…. but Im not afraid of YOU.

  281. 281
  282. 282

    mine work that way too!
    _____________________
    :thumbsup:

    SHUT UP EGO!

  283. 283
    Yall still crazy says:

    :wail:

    And I want it sooo bad (hestitation voice) BUT I’m still scared…

    :wail: again, just for the thought. Maybe :shrug: it’ll be gentle, nah, who am I kidding……

  284. 284
    I Go There says:

    @ Choco – YES, I’m beginning to become aware of how your mind works….mine work that way too
    ___________________________________________

    SO that means your mind stays in the gutter too… :lol:

  285. 285

    YAll
    after the “entrance” pain you’ll be fine!
    Some pain is good! :thumbsup:

  286. 286

    of you could take the cheap route and go buy a cucumber to “prepare” yourself

    #helpful

  287. 287
    I Go There says:

    mine work that way too!
    _____________________

    SHUT UP EGO!

    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

    Too late I already said something…

  288. 288
    Yall still crazy says:

    Brown, should I say something prior?!?!

    #butthatmightmakemelookscaryright

    #notscareylikeigo :grill:

    Maybe I should get drunk :cheers: :shrug: IONO…….

  289. 289
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    of you could take the cheap route and go buy a cucumber to “prepare” yourself

    #helpful
    _____________________________________________________

    :lol:

    Damn shame

  290. 290

    @Yall
    You are thinking about anal sex guhl that is no easy undertaking :coffee: :lol: I want to all the time but as soon as it starts it stops

  291. 291
    Yall still crazy says:

    ION want no kewkumber. #iwantittobetight :rofl:

  292. 292

    CHief I’m just tryna help a friend out so how is that a shame

  293. 293

    *makes note to stop at the store on the way home*

  294. 294
    Yall still crazy says:

    :nono: Choco
    #justtheregularway
    #itsbeenaminutethoughandiamscared :shrug:

    Re: a nal…Been there done that and NO THANK YOU :lol:

  295. 295
    I Go There says:

    Yall still crazy says:

    Brown, should I say something prior?!?!

    #butthatmightmakemelookscaryright

    #notscareylikeigo
    _________________________________________________________

    :hahaha:

    What am I gonna have to do to stop being called scary….. :lol:

  296. 296

    YALL
    tell him it’s been a while and to be gentle then when he gets it in you tell him TO FCK YOU LIKE HE JUST CAME HOME FROM A 10 YR RUN ON CELL BLOCK D

  297. 297
    Yall still crazy says:

    What am I gonna have to do to stop being called scary?

    :rofl:

  298. 298

    YALL
    the fact that he even has to ask…………….

  299. 299

    @Yall
    Dont worry hun since it’s been a while Im certain your juices will flow and it will be no problem :wink:

  300. 300
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    YALL
    the fact that he even has to ask…………….
    ___________________________________________________

    Brown you just trying to get me to open the box up so you can find some other dude to live in it full time.

  301. 301

    Chief
    you are sadly mistaken

    YALL just make me proud and make his head hit the headboard a few times

  302. 302

    Safe WORD I need one!

  303. 303
  304. 304
    I Go There says:

    Choco aka Hippie says:

    Safe WORD I need one!
    _____________________________________

    KettleCorn… That might work.

  305. 305

    you could yell out
    “kaw kaw” like a bird

  306. 306

    @EGO
    KOJAK is my safe word :shotsfired:

    @Lolita
    Coochie sounds better than cookie no?

  307. 307

    you could yell out
    “kaw kaw” like a bird
    _______________________
    :rofl: :rofl:

  308. 308
    Yall still crazy says:

    :rofl:

    kaw kaw (in Cole’s bird voice) :hahaha:

    *goes back to read*

  309. 309
    I Go There says:

    I usually say…. “Hey!!! Uncuff me”

  310. 310
    Yall still crazy says:

    @Brown, :yes: will do :thumbsup:

    @Choco, I hope you’re right.
    :dead: at 296, but I am crazy enough to say it :rofl:

  311. 311
    I Go There says:

    Choco aka Hippie says:

    @EGO
    KOJAK is my safe word

    ________________________________

    Ahhhhhh Okay

  312. 312
    Yall still crazy says:

    Choco, are you getting ready to tell a freaky tale or something? Safe word needed? :thinking:

    #stilldeadatkawkaw :hahaha:

  313. 313

    My safe word is ckssckscksckssss <<<<< me gaggin

  314. 314

    @Yall
    I am it will pleasurable pain and the pain will go away you about to become a FREAK tho when I got off a year long drought I was panting and chit acting like I was in heat :rofl:

  315. 315
    Yall still crazy says:

    OH :smack: I’m slow :lol:

    ION have no safe word. Hmmm

  316. 316
    Yall still crazy says:

    That’s gonna be me “panting” :rofl:

    Maybe I should be doing a 1/2 workout every day this week :shrug:

  317. 317

    @Yall
    No freaky tale just needed a safe word – all should be well now :rofl:

  318. 318
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    My safe word is ckssckscksckssss <<<<< me gaggin
    ______________________________________________

    :dead:

  319. 319

    @Yall
    Working out will help also but for real chick just have some bangin sex and as many as O’s as you can get – that will be your workout!

  320. 320

    @Lolita
    Gaggin on what :coffee:

  321. 321

    Choco
    a penus of course but the safe word only goes into effect after the tears come

  322. 322

    :lol: @ Lolita

    I aint gaggin on no damn peen I will suck the nut out of it tho :oops: :rofl:

  323. 323
    Yall still crazy says:

    Choco
    I don’t wanna get tired quickly that’s why I said 1/2 hr workout.

    But Imma just sip on something and let nature take it’s course *innocent girl smirk*

    :lol:

  324. 324
    I Go There says:

    I be damn…. LOL

  325. 325
    Yall still crazy says:

    Damn, yall I forgot about gaggin LOL

    Do throats tighten up if not used :shrug: #suchaseriousquestion

  326. 326

    Choco
    gaggin just gives you a lil extra lubrication

  327. 327

    @YALL so whatchu doing this wknd :popcorn:

  328. 328
    Celli Cel says:

    @Yall still crazy
    @AndThenIHitMyDougie

    Yup, the best part is that I pay a guy $300 to do my taxes and HE eFFFd them up…so when I got the paper work from the IRS I immediately start making calls because I’m SO SURE this was some kind of mistake since I PAID a professional to do them to AVOID situations like the one I’m in now…first person I talked to gives me the reasons and sends me some forms when I call back that person tells me it was dismissed and I owe nothing and I should be getting a revised statement…well a couple of months go by and I call again and this person is like UH NO you owe STILL owe us $2000 and now you got a $888 penalty
    !!! I argued and argued :argue: I gave them the guys name and that ID# they give you when you call and they were like NOPE you STILL OWE us…and the best part was when they told me I either pay up or set up a payment plan by 9-30-11 or else they were going to garnish my wages until what I owed them was paid in full…I was like WHAT!!!!!!!!!!!!!!!!!!! :huh: yup yup good times

  329. 329

    YALL
    will you be doing bubble also????
    Do you have your “brownkit” ready???
    1. Strawberry fruitrollups
    2. Diced peaches
    3. Chocolate frosting preferably warmed up in a microwave

  330. 330
    Yall still crazy says:

    :yahoo: Frenchie :yes:

    Member that thing we discussed a while back off line? That’s what :yes:

    #notinnoclique

    sorry Celli, I can’t read all that just yet, I’m dealing with an issue :lol:

  331. 331
    Yall still crazy says:

    *hangs head* I’m not ready :wail: YET!

    IONO about #2and 3 YO!

  332. 332
    I Go There says:

    Choco aka Hippie says:

    @ Lolita

    I aint gaggin on no damn peen I will suck the nut out of it tho
    ___________________________________________________________________

    :clap:

  333. 333

    gaggin just gives you a lil extra lubrication

    ______________________________________________

    sooooooooooo true

  334. 334

    @Lolita
    I love the peen to much to gag I just keep sucking

  335. 335
    Yall still crazy says:

    Bubble?

    :wtf: *double whimpers*

  336. 336
    Ty says:

    Choco aka Hippie says:

    @ Lolita

    I aint gaggin on no damn peen I will suck the nut out of it tho
    ________________________________
    Damn…this post took a major turn LOL The taste of nut makes me gag. Taste like warm milk :hurl:

  337. 337
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    Choco
    gaggin just gives you a lil extra lubrication
    __________________________________________

    :cheers:

    To sloppy head…. :lol:

  338. 338

    YALL
    the fruit rollup would be the best option should you decide to suck the nut out and swallow
    #helpful

  339. 339
    Ty says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    YALL
    will you be doing bubble also????
    Do you have your “brownkit” ready???
    1. Strawberry fruitrollups
    2. Diced peaches
    3. Chocolate frosting preferably warmed up in a microwave
    _____________________________
    :cuss: Ok so u couldn’t tell me about #3 :think: Snatches bedazzled onesie back :rofl:

  340. 340
    Yall still crazy says:

    I agree 34, but *wonders how to incorporate this gagging*
    :thinking:

  341. 341

    If you’re deep throatin and it’s big enough you will definitely gag

    If it’s not a tonsil toucher then it’s a no go

  342. 342
    Yall still crazy says:

    338, I could do that
    #noproblem

    Ty #hehasagreatdiet :rofl:

  343. 343

    @YALL :yahoo: get out! yay!

  344. 344

    I dont drink SEMEN I taste it – but I will bring that nut to a head :grin: I amuse myself :rofl:

  345. 345

    TY
    if you swallow it with the fruit rollup you shouldnt taste it as much!

    I’ll email you and tell you bout the chocolate

    YALL
    men love the slurpin sound so if you do gag on it it will be that much easier to slurp on
    #helpful

  346. 346
    Yall still crazy says:

    340 should’ve said 334

    ——————————————
    *shaking myself together* :lol:

  347. 347
    Ty says:

    Yall still crazy says:

    Choco
    #justtheregularway
    #itsbeenaminutethoughandiamscared

    Re: a nal…Been there done that and NO THANK YOU
    ____________________________
    Yall…I was the same way at first but get some good numbing cream and get it in.

  348. 348

    @SUGATITS e-mail me with the “brownkit” please

    frenchmekissme @ yahoo

  349. 349
    Yall still crazy says:

    @Frenchie :grill:

    :steer: <–me on cloud 9

  350. 350
    Yall still crazy says:

    Ty, ION want that & neither does he.

    I was talmbout the regular way.

    Not judging :coffee:
    :hug:

    But hey, what’s this about numbing cream? :thinking:
    ———————————————————-
    Brown, Well then Imma be a gagger and proud of it :hahaha:

  351. 351
    Ty says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    TY
    if you swallow it with the fruit rollup you shouldnt taste it as much!
    ____________________________
    I haven’t perfected this yet. I had sticky shyt everywhere :rofl: Yes I need the chocolate handbook LOL

  352. 352
    Ty says:

    Yall still crazy says:

    Ty, ION want that & neither does he.

    I was talmbout the regular way.

    Not judging

    But hey, what’s this about numbing cream?
    __________________________
    Oh thought u were considering trying anal…carry on :coffee:

  353. 353

    If you’re deep throatin and it’s big enough
    ___________________
    Told you I dont know how to deep throat and gaggin means I will earl for me at least

  354. 354
    Yall still crazy says:

    Ty, somebody on here suggested what to have him drink prior to head… I can’t recall what though :shrug:

  355. 355

    I had sticky shyt everywhere
    ___________________
    :rofl: My problem is that I love fruit rolls ups someone may get bit :rofl:

  356. 356
    I Go There says:

    Choco aka Hippie says:

    I dont drink SEMEN I taste it – but I will bring that nut to a head I amuse myself

    _________________________________________________

    I just caught a chill…. LOL

  357. 357

    @Yall
    Pineapple juice

    @EGO
    :lol: :hunching:

  358. 358

    YALL
    should you decide to suck it out
    once you have a nice amout in your mouth
    move it around a little with your tongue and aopen your mouth slowly
    almost like you’re blowin a bubble with gum then swallow and he may buy you a damn ring

  359. 359
    Yall still crazy says:

    Soooooo I have deduced that I will be no good come Monday :coffee:

  360. 360

    When you do suck it you suck like your life depends on it

  361. 361
    Yall still crazy says:

    :shocked: WOWSERS :shocked:

  362. 362

    :vomit: I cant do all that with semen

  363. 363
    Yall still crazy says:

    Guys, get in here STAT!

    @scarey guy, would 358 turn you on?

    ————————————
    Brown, you think?

  364. 364
    Ty says:

    Yall still crazy says:

    Ty, somebody on here suggested what to have him drink prior to head… I can’t recall what though
    ___________________
    Pineapple Juice

  365. 365
    I Go There says:

    Yall still crazy says:

    Ty, somebody on here suggested what to have him drink prior to head… I can’t recall what though
    _____________________________________________________

    Eating Pineapples will work…. Juice.

  366. 366

    So uh EGO you taste of pineapples :coffee:

  367. 367

    Choco aka Hippie says:

    I had sticky shyt everywhere
    ___________________
    My problem is that I love fruit rolls ups someone may get bit

    _____________________________________

    :rofl: i go crazy when i eat them too! :rofl: shyt something about it! i wrap it around my finger sometimes and suck on it…..one time almost bit my finger off…

  368. 368
    I Go There says:

    Yall still crazy says:

    Guys, get in here STAT!

    @scarey guy, would 358 turn you on?
    _______________________________________________________

    :lol: @ scary guy

    and Yes that would be a turn on…. Any lady that does that gets the
    Call back pronto.

  369. 369
    Yall still crazy says:

    Igo, you gonna just ignore 363 huh? :coffee:

  370. 370

    @French
    My son and I fight over them he will be like you had two :rofl: when I ask him for some of his

  371. 371
    I Go There says:

    Choco aka Hippie says:

    So uh EGO you taste of pineapples
    ________________________________________

    I love Pineapples… I have some in the fridge as we speak.

  372. 372
    Yall still crazy says:

    So that’d be better than just old fashioned swallowing?
    It wouldn’t make the woman look any certain kind of way?

    #ialreadygettheprontocallsback

  373. 373

    and Yes that would be a turn on…. Any lady that does that gets the
    Call back pronto.
    _____________________
    :rolleyes: I aint playing with no ones semen in my mouth and reputting that chit back in my mouth FUK that and you would still call :coffee:

  374. 374

    YALL
    when you start to gag on it you mouth should be extremely wet so you take it out and let him watch while saliva drips from mouth mouth to his penus and right before it hits the penus you suck it back up

    #helpful
    #pornstarstatus

  375. 375

    #ialreadygettheprontocallsback
    __________________
    RIGHT that chit remind me of childs play :rofl:

  376. 376
    Yall still crazy says:

    That is hawt! Wow…

  377. 377

    YALL
    I believe in sharing my gifts because sharing is caring

  378. 378

    when you start to gag on it you mouth should be extremely wet so you take it out and let him watch while saliva drips from mouth mouth to his penus and right before it hits the penus you suck it back up

    #helpful
    #pornstarstatus
    _______________________
    :vomit: and Im not hating cuz Im certain niccas love it but that chit just made my tummy weak #THANK GOD I LOOK GOOD :rofl: I KID I KID

  379. 379

    *wonders if I should post my email for all the lurkers tjhat just got turned on*

    #networking

  380. 380
    I Go There says:

    Yall still crazy says:

    So that’d be better than just old fashioned swallowing?
    It wouldn’t make the woman look any certain kind of way?
    _____________________________________________________

    First of all its sex and if dude has to worry how a woman would look if she does something a lil nasty then he shouldnt be there. Swallowing would be just as cool. ITS HEAD FOLKS… as long as its good and you’re into it… THERE IS NO PROBLEM.

  381. 381

    wonders if I should post my email for all the lurkers tjhat just got turned on
    ___________________
    Yes you should

  382. 382

    Choco it’s not for everybody, I too usewd to think it was nasty until I reached my dirty 30s. I’m just offfering Yall suggestions

  383. 383

    DO IT BROWN!!!!!!!!

    OR DAMMIT ATLEAST EMAIL ME WITH THE KIT! I KNOW U KNOW THE EMAIL!

  384. 384

    ITS HEAD FOLKS
    ____________________
    :rofl: :rofl: :rofl:

  385. 385
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    YALL
    when you start to gag on it you mouth should be extremely wet so you take it out and let him watch while saliva drips from mouth mouth to his penus and right before it hits the penus you suck it back up
    _________________________________________________________________________

    WOW….

  386. 386
    dblaq says:

    Dougie – LOL I am not mad, why should I be??? It’s not my fault that your mom is NeNe, plus your ass put that information out there that she filed twice, hasn’t paid her mortgage in 14 months, is in foreclosure and keep buying sh!t that she can’t afford but yet bragging about it! I pay all of my bills on time, I don’t have to file Bankruptcy or go into foreclosure. So I could really careless. You are probably one of those that told people just to go get a credit card with an EIN number instead of SS# if you have bad credit and feel like you put somebody on something.

    My point was simple don’t file if you don’t have to, but if that’s your best option then do it. It doesn’t work for everybody because everybody’s situation is not the same. If we are talking about misinformation – THAT is misinformation to tell people that its easy, its nothing, no problems and a walk in the park when it’s clearly not. If you ever owned a real business then you would feel different about people that get sh!t from you and don’t pay up. Kinda like a friend that borrows money from you, then never pays you back but every time you see them they at the mall ballin’ out! but avoid you. That’s the definition of a free loader

  387. 387
    Yall still crazy says:

    Brown, you gonna shut down g mail if you do :lol:

  388. 388

    brownsugapoet at gmail :rofl:

    Networking purposes only :coffee:

  389. 389
    Ty says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    YALL
    I believe in sharing my gifts because sharing is caring

    _______________________________________
    :yes: Peaches are no joke!! Dont tell the lurkers jack. They should participate in the convo :nana:

  390. 390
    Yall still crazy says:

    :wtf:

    WE TALMBOUT HEAD UP IN HERE :cuss: #getchoazzonwiththatmess

  391. 391

    @Lolita
    No doubt chit one day I might do it! EMAIL PLEASE :think:

  392. 392

    TY
    did you use the peaches cold or did you warm them up

  393. 393
    Yall still crazy says:

    Did you send the peaches? :shrug:

  394. 394

    WOW….
    _______________
    Makes mental note to NEVER do this :rofl:

  395. 395
    Ty says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    TY
    did you use the peaches cold or did you warm them up
    ___________________________________
    Room temp. Didnt think about using them cold :think:

  396. 396

    YALL
    the peaches are used the same way as the fruit rollup, you just put some in your mouth and go to work and since the peaches are soft he will enjoy that sensation on his penus
    just make sure you get the diced peaches that cup in the lil plastic cup

  397. 397
    Ty says:

    Yall still crazy says:

    WE TALMBOUT HEAD UP IN HERE #getchoazzonwiththatmess
    ___________________________
    :rofl: :dead:

  398. 398
  399. 399

    TY
    try them cold, your mouth should be warm so he just might lose it. If you use them cold you can’t start off suckin slow you have to go at it full force

  400. 400
    Yall still crazy says:

    *stomps* Peaches! Do tell.

  401. 401

    getchoazzonwiththatmess
    _____________________
    I forgot to :rofl: at this too :rofl:

  402. 402

    I agree hot cold on a mans peen can drive him WILD

  403. 403
    Yall still crazy says:

    Damn, Imma need a carryon just for the snacks :coffee:

  404. 404
    Ty says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    TY
    try them cold, your mouth should be warm so he just might lose it. If you use them cold you can’t start off suckin slow you have to go at it full force
    ________________________
    :thumbsup:

  405. 405
    I Go There says:

    Choco aka Hippie says:

    WOW….
    _______________
    Makes mental note to NEVER do this
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~

    Man I see some shait like that I might pass the fk out… LOL

  406. 406

    Damn, Imma need a carryon just for the snacks
    ____________________________
    :rofl: :rofl:

  407. 407

    Man I see some shait like that I might pass the fk out
    _______________________________
    Can’t have that PERFORM HORSEY :rofl: Chances are you will pass out anyway :grin: SIKE

  408. 408

    YALL
    If I like the way it tastes and feel in my mouth I’ll use it

  409. 409
    CookieMonsterZ says:

    Yall still crazy says:

    I have ZERO credit cards (by choice-I previously had a couple) and I was able to secure a 30 yr mortgage.

    So whoever said that you can’t establish credit(purchase anything) without having credit cards is incorrect.

    CHALLENGE (from Cosby Show)

    —————————
    Exactly, you previously had some cards, so it’s not as if you NEVER had any. You used them and showed you can pay things on time prior to securing your mortgage. Of course, people can establish credit with a car loan, but in today’s economy bc it’s harder to get a mortgage, lenders want to see that you can handle all types of credit before they lend to you. That was my point, and I had to jump back on here to clarify that.

  410. 410
    I Go There says:

    Choco aka Hippie says:

    Man I see some shait like that I might pass the fk out
    _______________________________
    Can’t have that PERFORM HORSEY Chances are you will pass out anyway
    __________________________________________________________

    You know what… :lol:

  411. 411

    YALL
    perhaps you should blindfold him first before you use the peaches and give him the element of surprise

  412. 412
    Yall still crazy says:

    DID i NOT JUST SAY WE ARE DISCUSSING BUSINESS UP IN HERE?!?

    :smack: DUH

    #iaintreadonedamnword

  413. 413

    You know what
    ____________
    :wink:

  414. 414
    Yall still crazy says:

    Brown, he is gonna be like “who and where have you been, with all of this new stuff?” :rofl:

    Imma ask him if I can blindfold him prior :grill: #havehimthinking

  415. 415

    perhaps you should blindfold him first before you use the peaches and give him the element of surprise
    _____________________
    Make sure he doesn’t have a stroke :coffee:

  416. 416
    Yall still crazy says:

    *places SECURITY at the door*

    Keep anybody out who isn’t talmbout the topic on hand :lol:

  417. 417

    YALL
    once you start to gag you can also take the penus out while it’s drippin and let it drip in your mouth

    men get off on visual shyt

  418. 418
    Yall still crazy says:

    Choco, I do not want to make the news :lol:

    BUT, if it happens I’m ready for my 15 minutes :lol:

  419. 419
    CookieMonsterZ says:

    Yeah, I know your topic switched, but I wasn’t following. Though technically I am speaking about the post topic. And I did not mean to offend anybody.

  420. 420

    @Lolita
    Let what drip your saliva drip back into your mouth or his semen drip in your mouth

  421. 421
    Yall still crazy says:

    Brown, I bet they do, because I am over here hawt just thinking about it :lol:

    :ashamed:

  422. 422

    Choco
    this would be before he cums so it would be your saliva

  423. 423
    Yall still crazy says:

    no worries cookie, I didn’t read it. I’m in a zone right now. #nooffense

    Add to the head convo if possible :coffee:

  424. 424
    Yall still crazy says:

    BUT, where am I located for my saliva to drip back?! #somanyquestions

  425. 425
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    YALL
    once you start to gag you can also take the penus out while it’s drippin and let it drip in your mouth

    men get off on visual shyt
    ______________________________________________

    :lol:

    yall be careful doing all that shait… Everybody cant take the premium package.

  426. 426
    Yall still crazy says:

    One would have to been under the peaniss #gravity :shrug:

  427. 427
    AndThenIHitMyDougie says:

    @Mannie
    I’m sorry!! I’ve been in here watching RHOA rather than posting! My bad!! :waves: :hug:

    @DBlaq
    Oh…. So you ARE mad then? Well…. I’m sorry your business went better up quicker than Peter can say: “Uptown.” Get better clientele, maybe. :coffee:

    And why would she pay mortgage on a house she doesn’t want anymore when she bought another house 16 months ago….in cash.

    Once again- my mom told me to tell you to “suck a fat one….. from the back.”

    Buh-bye. :cya:

  428. 428

    Im not recycling saliva :cries: I would however let semen drip in my mouth tho!

  429. 429
    AndThenIHitMyDougie says:

    *went belly up*

  430. 430

    YALL
    yes your head would be under it

  431. 431
  432. 432
    Yall still crazy says:

    Igo, don’t be laughing at me yo! :lol:

    Any pointers? #serious

  433. 433

    Choco
    I dont have a problem with it because it came from my mouth but like i said everything aint for everybody

  434. 434
    Yall still crazy says:

    :dead: recycled saliva

  435. 435
    Yall still crazy says:

    :rofl: Imma let all drip yall :rofl:

  436. 436
  437. 437
    Yall still crazy says:

    *let it all

  438. 438

    @Lolita
    I know its a me thing I have always had a peeve about spit :shrugs:

  439. 439
    I Go There says:

    Yall still crazy says:

    Igo, don’t be laughing at me yo!

    Any pointers? #serious
    _____________________________________________

    Only advice I would give is Just go with it.
    If you need any pointers just look up Jazmine Cashmere
    or beauty Dior… If you do that then you wont have any problems. LOL

  440. 440
    Yall still crazy says:

    fortytwo

  441. 441

    @EGO
    Does I go There mean what I think it means :think:

  442. 442

    YALL
    you may wanna go easy on him at first, perhaps the bubbles and lettin him see you suck the saliva up right before it drops on his penus should be held back for another time

  443. 443
    I Go There says:

    Choco aka Hippie says:

    @EGO
    Does I go There mean what I think it means
    ______________________________________________

    LOL… what you think

  444. 444
    Yall still crazy says:

    :wail:

    Wait, I was charging myself up and now you say No Go..

    *hangs head* SIGH

  445. 445

    I think your azz shouldn’t be advertising or self promoting :coffee:

  446. 446
    Yall still crazy says:

    :popcorn:

  447. 447

    :rofl: @ Yall and her popcorn – no drama here Im certain he will respond cleverly charming :rolleyes: :lol:

  448. 448

    YALL
    you go ahead and take your chances
    I dont want you to scare him off

  449. 449

    Did Chief just get checked?????

  450. 450

    Choco did you just pull out her pimphand
    speakin of pimphand
    where’s pimphand gary

  451. 451

    Did Chief just get checked?????
    __________________________
    :rofl: :rofl:

  452. 452
    Yall still crazy says:

    Choco, I was eating popcorn because I thought yall was about to GO There :rofl:

    #freakytalesorsomeish :lol:

    Yes, Chief Scareyman, got checked :yes:

  453. 453
    I Go There says:

    Choco aka Hippie says:

    I think your azz shouldn’t be advertising or self promoting
    ____________________________________________________
    And why do you say that?

  454. 454

    :rofl: @ Lolita no pimphand I don’t know what came over me :rofl:

  455. 455
    I Go There says:

    Oh Choco you have a pimp hand?

  456. 456
    Yall still crazy says:

    Brown, Imma just see if he’s learned any new tricks :coffee: and if so Imma have mine ready :wink:

    #heisstillchargedfromthattext

  457. 457

    #freakytalesorsomeish
    ______________________
    Thats why I got angry temporarily :rofl:

    You know why I would say that don’t be funny and please don’t make me take this offline :lol: but serious too :rofl:

  458. 458
    I Go There says:

    Yes, Chief Scareyman, got checked
    __________________________________________

    Man whatever…. :lol:

  459. 459

    what’s the difference between a pimphand and a bytch slap

  460. 460

    Choco aka Hippie says:

    @ Lolita no pimphand I don’t know what came over me
    __________________________________________
    Apparently Chief, Choco has already pissed on you and marked her territory :rofl:

  461. 461

    @EGO
    No I don’t. Not like yours :coffee:

  462. 462
    Yall still crazy says:

    Choco, 357 :shrug: IONO if you’re being funny or mad. I just don’t know :hug:

    —————————————-
    :dead: pissing on territory

    *does rain dance* :rofl:

  463. 463

    what’s the difference between a pimphand and a bytch slap
    ___________________________
    :rofl: then this bish said I RKELLYD him :rofl:

  464. 464

    :dead: at Yall
    why do I have to go to the bathroom now :rofl:

  465. 465
    Yall still crazy says:

    going to lunch BRB

  466. 466
    Yall still crazy says:

    I forgot to tell you that I’ll be eating like a rabbit all week so I won’t be a phat girl friday :coffee:

  467. 467

    Yall check your email

    Choco are you gonna have him on the corner next???

    Chief make the money, dont let it make you :rofl:

  468. 468

    @Yall
    Its a little of both :rofl: Im irritated but I dont want to be and I don’t want to be obvious either everyone forget what just happened :rofl:

  469. 469
    I Go There says:

    Apparently Chief, Choco has already pissed on you and marked her territory
    _________________________________________________

    Oooohhh… Choco done already put claims on me.
    Well whata you know.

  470. 470

    Choco
    do you smmack him on the ass before you send him on his way! Tell him “mama needs a new benz”

  471. 471
    I Go There says:

    Choco aka Hippie says:

    @Yall
    Its a little of both Im irritated but I dont want to be and I don’t want to be obvious either everyone forget what just happened
    ____________________________________________________________________

    :lol:

    Too late…. :hahaha:

  472. 472

    No I won’t have him in the corner I will have him on his knees making me pleased :rofl: IM EFFIN WITHCHA

  473. 473
    I Go There says:

    UM HELLO you rude ass heffas
    Im in the room.

  474. 474

    :rofl: Gawn out therre and make that money niccah!
    Time is money!

  475. 475

    Well whata you know.
    ____________________
    :rofl: and To late :rofl: :kiss: for making me laugh!

    @Lo
    No I didn’t but he could smack my azz in the back of my new benz :wink:

  476. 476

    Time is money and she said her money is funny so get to work

  477. 477

    UM HELLO you rude ass heffas
    Im in the room.
    _______________________
    :rofl: :rofl: :rofl: :rofl:

  478. 478
    I Go There says:

    Somebody is gonna pay for all that shat talking….

  479. 479
    Ty says:

    I Go There says:

    UM HELLO you rude ass heffas
    Im in the room.
    _____________________________
    :rofl: :rofl:

  480. 480

    Who Lolita is gonna pay :blink:

    Okay what will you have me do to you :coffee: :wink:

  481. 481

    Choco aka Hippie says:

    Who Lolita is gonna pay

    Okay what will you have me do to you
    ___________________________________________
    Chief what she reall means is “Who the fck is Lolita gonna pay cuz I know YOU aint talkin bout makin her pay”

    #helpful

  482. 482
    I Go There says:

    Choco aka Hippie says:

    Who Lolita is gonna pay

    Okay what will you have me do to you
    _____________________________________________

    Keep talking…. :lol:

  483. 483

    Chief what she reall means is “Who the fck is Lolita gonna pay cuz I know YOU aint talkin bout makin her pay”

    #helpful
    ____________________________
    :rofl: :yes: SHATTTTTTTTT UP LO :rofl:

  484. 484

    So yeah I opened a can of worms – Im already nude so have your way with me #FAINTS :lol:

  485. 485
    Yall still crazy says:

    Anything happen?!

  486. 486
    I Go There says:

    Actually Im kinda liking how you backtracking right now… :lol:

  487. 487
    Yall still crazy says:

    :dead: at all of yall(Choco) :hahaha:

  488. 488

    :lol: @ Yall no nothing is happened between Scaredy EGO I GO THERE :lol:

    @EGO
    K see be nice! :lol:

  489. 489
    I Go There says:

    Yall still crazy says:

    Anything happen?!
    ___________________________________

    Yeah you missed alot
    Evidently Choco laid clam on me… Now she over ther backtracking.

    :lol:

  490. 490

    @Yall
    :lol: I didn’t claim EGO i just pissed on his shoe :rofl:

  491. 491

    YALL
    i expect a text with a full report!
    I prefer pics but I’ll give you a pass on that one…..unless you wana send some :coffee:

  492. 492
  493. 493
    Yall still crazy says:

    True bish #onhisshoe :lol:

    (Denzel voice) :hahaha:
    ———————————————–
    And lookie here Mr. Scareyman (rasta voice) trying to be claimed :lol:

  494. 494
    Yall still crazy says:

    @Brown
    Shatt, you better check on me Sat morning! :lol:

  495. 495
    I Go There says:

    Oh great…not only do they think Im scared they think Im a punk too.

    Thanks Choco.

  496. 496

    Yall
    I’ll give you time to sleep it off so if I dont hear from you by noon I’ll text you

  497. 497
  498. 498
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    PunkSpice
    ___________________________

    You gon catch it too….

  499. 499
    Yall still crazy says:

    Brown :wink:

    :yes: Punkspice, itis (Queen’s english voice)

  500. 500
    I Go There says:

    Been marked for territory and didnt evne know…. DAMN

    :lol:

  501. 501

    if it aint at least 8 or 9 inches I’m throwin it back

  502. 502
  503. 503

    @Yall
    You know how females in heat are :grin: I KID

    @EGO
    How many inches :2dance:

  504. 504

    *whispers its about 8.5 <———— :blink: WHO JUST SAID THAT :rofl:

  505. 505

    :biggrin: somebody gon send me somethin speshul :danban1:

  506. 506
    Yall still crazy says:

    I’m a Virgo too Choco. #igetyou :lol:

  507. 507

    *waits for Chief to confirm *

  508. 508
    Yall still crazy says:

    Brown, what you bout to get?

  509. 509

    This where yall been at all day? Sup peoples.

  510. 510
    I Go There says:

    @EGO
    How many inches
    ____________________________________________
    :lol:
    You tell me :coffee:

  511. 511

    Yall
    oh it’s nothin you’d care to see

  512. 512

    Well folks it’s been real but I’m leavin in a few so yall have a good one

  513. 513

    Chief
    if Choco hadnt already pissed on you I’d tell you to send me a peen shot but bein that she’s already done the deed………..
    #messy

  514. 514

    :lol: EGO
    :hugs: @ Yall yes you do

    :waves: @ Awesome

  515. 515
    Yall still crazy says:

    :waves: Sam

    My son went to see the game up there Saturday. He had a ball!

    —————————————————–
    Ok, Brown, I trust you… :grill:

  516. 516

    :waves: Lolita

    EGO likes piss :rofl: :rofl:

  517. 517
    I Go There says:

    LUSCIOUS LOLITA AKA SUGA WALLS says:

    Chief
    if Choco hadnt already pissed on you I’d tell you to send me a peen shot but bein that she’s already done the deed………..

    _____________________________________________________
    :shocked:

    :hahaha:

    Oh really

  518. 518
    Yall still crazy says:

    :shocked:

    Wait. Is there a peen shot going around?

    #goestocheckmailbox

    Good Night Brwon :hug:

  519. 519

    *makes note to remember the cucumbers*

    Seriously yall have a good one

  520. 520
    Yall still crazy says:

    *Brown

  521. 521
  522. 522

    Yall I’ve gotten a few but I made a vow…………..
    ok I’m gon for real

  523. 523

    @Awesome
    Everything in this post :wink:

  524. 524

    Sup @Yall
    *whispers “I still think you’re gorgeous”* :yes:

  525. 525
    Yall still crazy says:

    You’re so wise Sam, yes you are :yes:

    #humble

    #iseeyourfaceeverytimeigototango

  526. 526

    @Yall
    I read up a little. Don’t stress your sabbatical with dude. It’ll probably make him go in too hard for the kill too early on. Then no one wins…..

  527. 527
    Yall still crazy says:

    Correction: not tango, something on my phone that I go tell while trying to send/email a pic.

    Needless to say, you are my friend “in my head” :hug:

    I know somebody selling 2 $40 tickets to Saturday’s game.

  528. 528
    Yall still crazy says:

    So, don’t say the “it’s been a while (which he already knows)be gentle yada yada” convo?

  529. 529

    So, don’t say the “it’s been a while (which he already knows)be gentle yada yada” convo?
    __________________________
    If you don’t fuk this man and let him no who is jank now belongs to you gone see it my way :rofl: Bish when them juices start flowing and you start feeling that pounding – there will be no words just moans and groans and DEMANDS of DO NOT CUM YET :rofl:

  530. 530

    know and his and I hate correcting typos :argue:

  531. 531
    Yall still crazy says:

    10000% Agreed :thumbsup:

    *puts on my big girl drawls* :rofl:

    #yesandthatisme”who’sisit””whatsmyname””yellmyname” *hangs head* :lol:

  532. 532
    Yall still crazy says:

    :dead: @who the jank now belongs too

    :dance: I am ret!

  533. 533
    vero says:

    Hi people, still talking nasty?? :lol:

  534. 534
    Yall still crazy says:

    :hug: Vero :hug:

    It was a serious issue :coffee:

  535. 535

    :waves: VERO yes we are sooo nasty :wink:

  536. 536
    vero says:

    :lol: Yall.. I know you were trying to learn tricks. I can’t help you :)

    Choco : I KNOW !!! :lol:

    I can’t believe I spent the day at home and worked more than when I’m at the office ! SMH

  537. 537
    Yall still crazy says:

    I know Vero, that’s how it ended up, but all I wanted was suggestions so that it wouldn’t hurt :ashamed:

    #speaknoworforeverholdyourpeacewellspeakbyfriday :lol:

    :love: SRfam

  538. 538
    vero says:

    HUH????? yall what was that???

    it won’t hurt unless it’s HUMONGOUS (?)

  539. 539
    Yall still crazy says:

    It is :coffee:

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