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It is currently Fri May 27, 2016 1:10 pm



Viewing profile - MikeVx

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MikeVx
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Joined: Sun Apr 15, 2007 7:19 pm
Last visited: Mon Aug 13, 2007 7:18 pm
Total posts: 15
[0.02% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 8 Posts / 53.33% of user’s posts ]
Most active topic: where do you keep your EF?
[ 2 Posts / 13.33% of user’s posts ]

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MikeVx Posts

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 Forum: General Discussion   Topic: AAA Membership --- Is it worth it?

Posted: Wed Jun 27, 2007 9:47 pm 

Replies: 36
Views: 51717


I keep AAA primarily for the emergency towing (I got burned by their insurance, never again) which is handy when your tire blows out on the 401 halfway to Toronto. Given that, when I'm going on a long trip somewhere, the TripTiks and TourBooks are a handy combination. I get detailed maps of anywhere...

 Forum: Personal Finance   Topic: A way to cut your electric bill

Posted: Wed Jun 27, 2007 9:34 pm 

Replies: 20
Views: 11073


My neighbor across the street used to work for DTE, he said that trying to play games with the temperature slope was a losing battle If you're going to use A/C, set a temp and let it run, stopping only for filter cleanings, until temperatures drop. I've done this, due to temperature variability I ca...

 Forum: Personal Finance   Topic: Budgeting for Fun

Posted: Wed Jun 06, 2007 7:04 pm 

Replies: 9
Views: 10940


I keep my savings in an undifferentiated lump (from the bank perspective) in an ING Orange savings account. I have a spreadsheet where I subdivide the ING account into as many virtual accounts as I need, one line per account/function. To keep money from getting lost, I have formulas that take the ba...

 Forum: Personal Finance   Topic: Is it really possible for the average person to be debt-free

Posted: Wed Jun 06, 2007 6:37 pm 

Replies: 24
Views: 20402


I spent years digging my way out of debt resulting from the usual array of stupid early-life stuff you read about on these boards. When I once again was within two years of being consumer-debt-free, some woman has a seizure at a traffic light and T-Bones my car. I'm now in debt for six years (there ...

 Forum: General Discussion   Topic: Pack Rat

Posted: Thu May 24, 2007 8:59 pm 

Replies: 10
Views: 7499


Compared to me, a pack rat is a lightly loaded transient. I'm terrible at ditching stuff. I can tell you exactly why. As a child, my mother would clean solely on her priorities, which did not allow for what a little kid would consider valuable. As a result, it is baked permanently into the lowest le...

 Forum: General Discussion   Topic: What do you say when your friends do stupid financial things

Posted: Thu May 17, 2007 9:34 pm 

Replies: 22
Views: 16063


A friend of mine has been crabbing about his finances lately. I've been trying to get him to do something about it. I'm having a devil of a time trying to get him to the level I was at before I found the personal finance culture on the net. He talks about doing what I regard as stupid things like ab...

 Forum: General Discussion   Topic: Cable and Internet Rates - What do you pay?

Posted: Tue May 15, 2007 8:25 pm 

Replies: 27
Views: 16358


Currently for internet, about $50 due to a promotion at Comcast. That ends next month, so I'll see what I can talk them into, or I'll go DSL with AT&T,

 Forum: Personal Finance   Topic: free video games

Posted: Thu May 10, 2007 6:00 pm 

Replies: 12
Views: 7416


The cartoon website http://www.homestarrunner.com has some flash games lurking about the place. The Stinkoman game might make more sense if you find the cartoon first.

These are games deliberately made to be old-style arcade feel, right down to the pixellated graphics.

 Forum: General Discussion   Topic: Burnout

 Post subject: Strategies for J. D.
Posted: Wed May 09, 2007 5:55 pm 

Replies: 11
Views: 8423


J. D. Two ideas: Some bloggers constrain the number of entries in a day, this allows them to get ahead on material so they can take a break without alerting the audience. Alternatively, I'm not going to hold it against you if you need a break from this very useful resource that you are so kindly mak...

 Forum: General Discussion   Topic: Vonage alternatives?

 Post subject: Re: Vonage alternatives?
Posted: Wed May 02, 2007 8:18 pm 

Replies: 10
Views: 8981


I have a Vonage account for my home office line here in Montreal, not so much to save money but for a very specific reason: I live in Canada but all my clients and colleagues are in Washington, DC. Vonage allowed me to set up a virtual phone number in DC so everyone there can reach me with a local ...

 Forum: Personal Finance   Topic: where do you keep your EF?

Posted: Wed May 02, 2007 8:01 pm 

Replies: 27
Views: 15604


I keep the money in an ING account, with the rest of my savings. I use a spreadsheet as an "account" manager, with each line of the sheet being an "account" dividing my ING savings up into a series of accounts without the problems caused by sub-account logic as supported by ING....

 Forum: Personal Finance   Topic: where do you keep your EF?

Posted: Tue May 01, 2007 8:09 pm 

Replies: 27
Views: 15604


I am still building my emergency fund, having started all of a month and a half ago. I expect to be at $1000 by the end of June. I keep the money in an ING account, with the rest of my savings. I use a spreadsheet as an "account" manager, with each line of the sheet being an "account&...

 Forum: Personal Finance   Topic: Efficient driving?

Posted: Mon Apr 23, 2007 5:53 pm 

Replies: 23
Views: 17141


I have a scan-gauge. I was using it in my previous mini-van because it was a manufacturing error, 25 gallon tank with an 18-gallon sensor. I used the gauge to use gas more efficiently by running closer to empty in the summer. Now that I've had to get another mini-van (t-boned while crossing an inter...

 Forum: Personal Finance   Topic: Online Billpay, etc.

 Post subject: Take aim (at foot), fire!
Posted: Sun Apr 22, 2007 5:39 pm 

Replies: 17
Views: 15116


I have been burned in the past, auto-pay of any sort is a bad idea in the range of suicidal insanity. I only do it for low-value services I need and at that I send them to a dedicated separate account via a debit card. If you absolutely must do this, however, most Checkfree-operated payment systems ...
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