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Viewing profile - AmyD

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AmyD
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Joined: Sun Aug 15, 2010 7:26 am
Last visited: Tue Jun 28, 2011 2:37 pm
Total posts: 23
[0.03% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 18 Posts / 78.26% of user’s posts ]
Most active topic: Inside the mind of a Spender Deep in Debt.
[ 2 Posts / 8.70% of user’s posts ]

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AmyD Posts

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 Forum: Personal Finance   Topic: Mother-in-law wants to pay for grand-kids college...

Posted: Thu Apr 28, 2011 12:24 pm 

Replies: 9
Views: 2432


What if mee mee is still alive when the boys go to college? If she's 70 now, and your kids are here, it wouldn't be unusual that she could still be alive in 15 years. What if there is some kind of falling out, she marries some 30 yo stud, etc? How will you ensure that the money is actually there for...

 Forum: Personal Finance   Topic: saving for a house downpayment

Posted: Mon Jan 10, 2011 7:05 pm 

Replies: 5
Views: 1924


It just sounds like you need to focus your plans. How much is 3- 6 months expenses? That should be the limit of your savings. I would come up with that number, then stop any extra towards that. Retirement - I think you are on the money with that. I wouldn't alter that. I would stop extra payments on...

 Forum: Personal Finance   Topic: Paying mortgage Bi-Weekly

Posted: Sun Jan 02, 2011 3:54 pm 

Replies: 19
Views: 3812


Another comment - I don't know a truly wealthy person who has a mortgage on their home. I saved a big chunk before I started paying off the house. And when it's paid off that frees me to pay college tuition, save, spend, whatever I want. Should my business fall apart, my expenses are way less than i...

 Forum: Personal Finance   Topic: Inside the mind of a Spender Deep in Debt.

Posted: Tue Dec 07, 2010 5:19 am 

Replies: 32
Views: 5578


Once again you faulty assumptions. You say you can't predict when you'll find these dream snakes. Okay, I can't predict exactly when I'll close a new deal - but when one comes along I'll take it. There are costs associated with it. Just as there are costs associated with your investing in these crit...

 Forum: Personal Finance   Topic: Paying mortgage Bi-Weekly

Posted: Mon Dec 06, 2010 10:37 am 

Replies: 19
Views: 3812


I'm in the camp of paying down a mortgage. This is an easy way to budget as well, especially if you are paid every other week. An extra payment a year can knock years off the life of your mortgage. Go look at an amortization table and take a look at how much $ you'll save in interest anytime you sen...

 Forum: Personal Finance   Topic: Inside the mind of a Spender Deep in Debt.

Posted: Sun Dec 05, 2010 7:12 am 

Replies: 32
Views: 5578


As a business owner I see some issues with your decision making process. First of all, you should have a plan, in writing, on how and when you will go about expanding. A monthly or quarterly goal that ends up in...by the end of 2011 here is where I'll be, and a step by step plan on how to get there,...

 Forum: General Discussion   Topic: Taking a break

 Post subject: Re: Taking a break
Posted: Wed Nov 03, 2010 5:15 am 

Replies: 10
Views: 3314


I did that and don't regret it. As long as you don't take on new debt I would say if you're on the brink of losing it, take a break, then rework the budget to something that will keep you from feeling so deprived.

 Forum: Personal Finance   Topic: Anybody have a Home Pay-off Account?

Posted: Tue Oct 26, 2010 5:07 am 

Replies: 7
Views: 1595


I wouldn't put paying off a house before saving for retirement or college savings. I'd also set up a separate savings account for a vacation. Figure out how much you want to pay for a vacation and when you want to go and start setting that money aside. However, if you put in paying off a house into ...

 Forum: General Discussion   Topic: Is it ethical to game the system?

Posted: Thu Oct 21, 2010 6:16 am 

Replies: 17
Views: 5492


I'd think if people focused on themselves, working and saving money and paying their own way they'd be way further ahead than the time they spend trying to work the system. Why should anyone get anything they didn't earn? Personally I don't want the government being in my personal business at all. I...

 Forum: General Discussion   Topic: Inground Pool: Asset or Liability?

Posted: Wed Oct 20, 2010 5:29 am 

Replies: 14
Views: 6460


We looked for houses specifically that had a pool. We have a hot tub and a pool and love it. We live on 5 acres and have no issue with anyone using it. Minimal time maintaining, especially compared to the fun we get out of it. We also have a boat, it's great to go out on the boat and get all salty a...

 Forum: General Discussion   Topic: Problem with coworker

 Post subject: Re: Problem with coworker
Posted: Wed Oct 20, 2010 5:21 am 

Replies: 16
Views: 5868


Blueberry - back to your original point. I think I would have a meeting with your supervisor. Don't go in as a tattletale, but ask to clarify if in your department it matters if you work any specific hours or get anything specific done. Ask them if there is any policy on falsifying time sheets, play...

 Forum: Personal Finance   Topic: Advice on going to one income

Posted: Sat Oct 16, 2010 6:26 am 

Replies: 18
Views: 3364


Sounds to me like you sacrifice for your wife, and now she wants to stay close to her family and not work, and is willing to have you spend 3 hrs a day in the car so she can have her way. I'm guessing neither of you see it that way, but if she really values staying home she'll have to choose between...

 Forum: Personal Finance   Topic: How much to spend on a house?

Posted: Sat Sep 25, 2010 7:39 am 

Replies: 26
Views: 4032


We're currently looking at building a new house. I know banks say you shouldn't have more than 36% of your gross income going to debt, whether it's cars, cc's, house payments, etc. I think you'd be really stretched tight at that. Personally, I wouldn't be comfortable with more than 30% of my after t...

 Forum: Personal Finance   Topic: Why is there an adjustment on my bill?

Posted: Sat Sep 25, 2010 7:35 am 

Replies: 4
Views: 2394


Here's how it works...the hospital, or doctor or whatever medical place has a set fee they bill all insurances. In fact it's illegal to have different rates. So say they charge $300 to your insurance. Well, aetna allows 140, blue cross allows 210 and medicare allows $2 (I'm in the medical billing bi...
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