For the second time.

Yes, but only a select number of people knew about the first one!

(You know I don't actually mind, right?)

I was pretty sure. But feel free to mock the worst of my X-likes-carrots! ways next time, and we'll call it even.

Opinions please:

What's better, Roti Prata or naan?

Sue, did you check with the mortgage person, first? You don't want to get denied because they suddenly see your bank reduced your line of credit (to correct the increase, but still...)

Sue, why does that mess you up? Because the mortgage guys only want you to have so much credit overall?

It affects the amount of mortgage they will give you as they take in account what you can afford given all your debts and monthly payments. And if you have a credit card or credit line, they don't look at your actual debt, they assume you will have debtload that's a certain percentage of your credit limit. So the higher your limit, the higher the amount of debt they assume you'll carry.

Sue, did you check with the mortgage person, first?

I haven't but the last time we talked mortgage, she calculated my pre-approval based on me reducing the limit on my credit line, so I would assume it was okay.

What's better: Roti Prata or naan

What are you eating? Naan is thicker, and paratha are a little crispier, generally.

Ha! I carry no debt at present. I was sure that my credit rating would suffer as a result -- who wants to lend money to somebody who organizes her life so as not to pay much interest? -- but I guess not.

Of course, I have two credit cards, the one I got in college (limit still what it was when I was IN college) and the Platinum Whojiggy Special one I got a year after college (limit high enough that I could charge a car. Or two cars, if I picked cheap cars.). I got a store charge card a couple weeks ago, just to be able to get a discount on a sweater, and it was the first new card I'd gotten in a long, looong time.

And if you have a credit card or credit line, they don't look at your actual debt, they assume you will have debtload that's a certain percentage of your credit limit.

When I applied, just the opposite was true -- they did look at my actual debt load, and also at the ratio of my debt to the total credit available to me; having more credit and not running up a higher bill would've improved that ratio and therefore been even better for me.

::makes plans to invent "Three Stooges" robots::

makes plan to invent Robert Smith robot. THAT'LL show people a suffering machine.

Just in general, P-C.