@SnackTrader wrote:Things we all learned today:
When one has access to Excel, they can give better answers than the lazy guy on the iPad.
Great job, Mauve.
Thanks! Excel is a large part of my job...I play with it all day. I've got spreadsheets that I play with to estimate *exactly* how much I need my house to appraise for to qualify for a refi...what the PMI would be at 85-95% LTV...how long it would take to pay it off in the same amount of time...how much I can expect to pay in property taxes based on various taxable values...it references my current payment plan to pull the payoff balance given the date...that's just the refi sheet. Then there's the credit card balance payoff sheet and the "How much can expect my take-home pay to be if I raise/lower my 401(k) contribution" sheet...and the "when does my balance on my car loan get to be lower than the value of my car" sheet...it goes on and on. Oh, and of course, none of those sheets are actually FOR my job.
Starting Score: EQ 583 TU04 619 EX 592 (lender pull) 2010
@tcbofade wrote:I just KNOW that I'm going to get yelled at for this...
...but in theory, you could do the zero percent BT offer for 12 months, then do it again in 11 months to a different card.
Just sayin....
This....
wow, thanks everyone!!! I was intuitively leaning toward the 4.99%, but having a hard time plotting it out. Gotta set up some Excel spreadsheets like Mauve. And tcbofade, I was thinking the exact same thing!
You guys are the best. 
