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Viewing profile - RHITee05

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RHITee05
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Joined: Sun Mar 16, 2008 7:01 pm
Last visited: Tue May 31, 2011 12:58 pm
Total posts: 30
[0.03% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 18 Posts / 60.00% of user’s posts ]
Most active topic: Going (Mostly) Car-less
[ 4 Posts / 13.33% of user’s posts ]

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Location: Boston, MA
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RHITee05 Posts

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 Forum: Personal Finance   Topic: Roth IRA First Time Home Buyer

Posted: Mon May 18, 2009 5:42 pm 

Replies: 3
Views: 1386


As with all tax questions, your best resource is the IRS. Here's a link to their publication on IRAs: http://www.irs.gov/pub/irs-pdf/p590.pdf There's a section on page 55 that addresses this exact question. I've never done it myself, but I've been told by others that the IRS is very helpful if you c...

 Forum: Personal Finance   Topic: Selling on Ebay, sellers protection?

Posted: Sat Apr 04, 2009 12:12 pm 

Replies: 7
Views: 1985


Be careful of the "item not as described" scam. I've heard about this recently for things like laptops and such. The buyer claims the item isn't what was described, and the PayPal/eBay rules require them to ship it back and you to refund their money. Then, you get the laptop back and it's ...

 Forum: Personal Finance   Topic: 401K Strategy

Posted: Fri Mar 27, 2009 2:54 pm 

Replies: 10
Views: 3165


You should also consider how your company's matching works (assuming there is a match). Say they match dollar-for-dollar up to 5% of your salary. If you max our your 401k in the first 4 months of the year by putting 10% in, you're getting a 5% match on those dollars. So, the company is matching 50% ...

 Forum: Personal Development   Topic: Solar/wind energy on the cheap?

Posted: Mon Mar 16, 2009 2:11 pm 

Replies: 17
Views: 10508


Another factor to consider in "going green" is how much impact you'll have by switching to solar or another renewable energy source. I've long dreamed of running my office on solar power (I work as an environmental writer and editor, so it's a natural for me and a selling point for my ser...

 Forum: Personal Finance   Topic: Fed income tax decrease?

Posted: Mon Mar 16, 2009 2:00 pm 

Replies: 7
Views: 2490


From what I have heard tho, that extra money we see in the paychecks due to lowered with-holding is going to be offset by lowered tax return checks. If what someone told me is correct, we aren't actually getting a tax break, we're just having a smaller amount withheld, but the tax we owe at the end...

 Forum: Personal Finance   Topic: Pros and cons of FHA loans?

Posted: Tue Mar 10, 2009 2:37 pm 

Replies: 11
Views: 3471


I believe you can still cancel FHA mortgage insurance. It's paid in two parts - there's an upfront premium paid at closing, then the monthly premium. My understanding is that the monthly premium is just like regular PMI and you can apply to remove if once you reach a certain LTV threshold. There may...

 Forum: General Discussion   Topic: Why are mortgage defaults such a big deal?

Posted: Mon Mar 09, 2009 6:03 pm 

Replies: 2
Views: 2771


Like any other kind of insurance, PMI is based on statistics and probabilities. If there's a large-scale event, the statistics break down and it all goes haywire. Any insurer relies on paying out to only a small number of its policies at any one time. For example, I think a normal PMI premium might ...

 Forum: Personal Finance   Topic: Pros and cons of FHA loans?

Posted: Mon Mar 09, 2009 8:08 am 

Replies: 11
Views: 3471


Don't forget about the $8,000 first-time buyer tax credit. That shouldn't make you want to buy if it's a bad idea otherwise, but it would make it more attractive to buy in less than 9 months (before the end of 2009) instead of a few months later when it's gone. In a lot of markets, $8k would go a lo...

 Forum: Tips, Tricks, Links, Pointers   Topic: Cooking tips

Posted: Wed Mar 04, 2009 6:27 pm 

Replies: 17
Views: 11025


My wife really likes Cooks' Illustrated (http://www.cooksillustrated.com). It's a subscription service, but not at all expensive (like $20/yr). Their recipes are excellent and very reliable. They also have a lot of how-to technique content on the site, plus reviews of ingredients, appliances, and to...

 Forum: Personal Finance   Topic: Credit Report Concern

Posted: Wed Mar 04, 2009 6:21 pm 

Replies: 2
Views: 1250


All 3 bureaus let you file a dispute online. Theoretically, that should force them to look through their records and verify the source of the erroneous data (and delete it if necessary). From what I've read, the bureaus use a variety of automated algorithms to try and match up data from different so...

 Forum: Personal Finance   Topic: First-time Homebuyer Mortgage Questions

Posted: Tue Feb 17, 2009 9:09 am 

Replies: 1
Views: 1061


I'm getting ready to move and start graduate school this coming fall. My wife and I have been doing research and are strongly considering buying a home when we move, as the school is located in a relatively low-cost area (Clemson, SC). We're just reading up right now and trying to prepare for the fi...

 Forum: General Discussion   Topic: What kind of watch do you wear?

Posted: Fri Jul 11, 2008 6:14 pm 

Replies: 31
Views: 14444


I've been really happy with Fossil watches. They're pretty durable and I think look really nice for $50. I don't really have any desire to pay lots more for something that might look a touch nicer - they tell time just the same.

 Forum: Personal Finance   Topic: Gas prices in your area ?

Posted: Wed Jul 09, 2008 10:57 am 

Replies: 20
Views: 10206


$3.98 as of this morning in Boston. It might vary 10 cents of more depending on where you look, but the station I go to is usually about the lowest I've seen. They also only charge 20 cents more for premium (which my car requires), as opposed to the 25 or 30 cents at some stations.

 Forum: Personal Finance   Topic: 401k results - this was sobering

Posted: Wed Jul 09, 2008 10:43 am 

Replies: 31
Views: 12886


I am suspecting that this last year's market really knocked out your gains. Ditto for that. My 401k is spread across several index funds and it's showing about -10% year-to-date, at lot of which happened in just the last few weeks. The graph looks to track within a percent or two of the S&P 500...
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