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Viewing profile - rhino

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rhino
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Joined: Wed Mar 19, 2008 6:33 pm
Last visited: Fri Oct 15, 2010 12:05 pm
Total posts: 250
[0.28% of all posts / 0.08 posts per day]
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Most active forum: Personal Finance
[ 215 Posts / 86.00% of user’s posts ]
Most active topic: Feminist PF/Econ Reading Recs?
[ 13 Posts / 5.20% of user’s posts ]

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rhino Posts

Search found 252 matches
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 Forum: Personal Finance   Topic: Refiance

 Post subject: Re: Refiance
Posted: Fri Sep 24, 2010 11:43 pm 

Replies: 36
Views: 4566


**UPDATE** I paid a down some from the old mortgage and knocked off PMI. That saves me ~$150 a month. After that I refinanced, my house dropped in price, but my mortgage broker was able to get me a deal without PMI and about ~1.6% off what I was paying. The rate and closing costs were way under wha...

 Forum: Personal Finance   Topic: Tony Robbin's Stock Market Perspective

Posted: Sat Aug 21, 2010 2:59 am 

Replies: 11
Views: 1854


I closed it after a 3 minutes. If he can talk for that long and say nothing he's not worth watching. Seriously, 3 minutes. 0 information about stocks or market communicated other than he works with some big shot.

 Forum: Personal Finance   Topic: How do you invest

 Post subject: Re: How do you invest
Posted: Thu Aug 12, 2010 11:04 pm 

Replies: 34
Views: 4473


In that case not too many people would ever get a chance to do outside retirement investment. You're right, fantasma. I definitely think people should max out their tax-sheltered retirement savings before investing outside of retirement, but that's easier said than done. My wife and I are nowhere n...

 Forum: Personal Finance   Topic: How do you invest

 Post subject: Re: How do you invest
Posted: Tue Aug 10, 2010 7:29 pm 

Replies: 34
Views: 4473


Is it really that annoying during tax time or do you just drip with that one Intel stock? I can't wait until I can start investing as you are right now. I get excited at the thought! ( :rock: ) I do drips for 7-10. At the end of the year they'll mail you a tax form. This will include all dividends ...

 Forum: Personal Finance   Topic: How do you invest

 Post subject: Re: How do you invest
Posted: Tue Aug 10, 2010 3:46 pm 

Replies: 34
Views: 4473


I am curious. I haven't started investing in stocks yet . How do you invest? Do you put money away monthly to invest or just whenever you can? I am not talking about retirement investing. What do you think is the best strategy for you? Treating it like a bill and making dedicated payments or just b...

 Forum: Personal Finance   Topic: When will you be mortgage-free?

Posted: Mon Aug 09, 2010 2:43 am 

Replies: 20
Views: 3114


Housing prices could fall more. But I don't see how that matters. A mortgage is a debt that has to be paid regardless of the value of the house. The rate at which it makes sense to pay it only has to do with alternative uses of the money, not with property values. correct and incorrect, because the...

 Forum: Personal Finance   Topic: Overpaying credit card to increase limit?

Posted: Wed Aug 04, 2010 4:42 pm 

Replies: 14
Views: 3064


or better yet just use a normal check and a 44cent stamp to mail in your payment. this way you aren't maxing out your credit card and risking going into debt to get out of debt Read his post, he has the money in his savings account and can pay it off soon as it's charged. You're basically telling h...

 Forum: Personal Finance   Topic: When will you be mortgage-free?

Posted: Wed Aug 04, 2010 4:38 pm 

Replies: 20
Views: 3114


I got my mortgage in 2005; on the amortized schedule I'm at year 2015. I put an extra ~$150 per month towards it. Also any unexpected windfalls and cash rewards I put towards it. I got a chase check for $50 (for CC rewards) and throw that at it. Also got some unexpected money for my birthday, that w...

 Forum: Personal Finance   Topic: Selling on Amazon

 Post subject: Selling on Amazon
Posted: Tue Jul 27, 2010 10:40 pm 

Replies: 3
Views: 892


How is it done, to turn a profit? I see tons of sellers, but don't understand how they are making money on used books. I got a ton of books for cheap. Each book cost me less than 10 cents each. All decent books, all in great condition. I've have tried mailing them myself and also tried Amazon fulfil...

 Forum: Personal Finance   Topic: Refiance

 Post subject: Re: Refiance
Posted: Sun Jul 25, 2010 1:40 pm 

Replies: 36
Views: 4566


At this point you do not KNOW the value of your house. You are speculating. The bank also does not know the value without an appraisal. The county got a lot of complaints about property values/taxes. They sent an appraiser around. A guy came in and looked. The county appraiser valued it around $205...

 Forum: Personal Finance   Topic: Where to put 401k rollover?

Posted: Sat Jul 24, 2010 10:41 am 

Replies: 8
Views: 2819


vanguard is good.

 Forum: Personal Finance   Topic: Refiance

 Post subject: Re: Refiance
Posted: Sat Jul 24, 2010 10:41 am 

Replies: 36
Views: 4566


Based off the following: Financing - 80% MIDDLE Credit Score - 720+ Loan Amount of roughly $200,000 No 2nd mortgage You should be looking at 4.5% with normal closing costs. The loan office would make roughly $3,000 (1.5 Points that would be paid by the lender through the rate). I'm not sure what th...

 Forum: Personal Finance   Topic: Refiance

 Post subject: Re: Refiance
Posted: Fri Jul 23, 2010 3:31 pm 

Replies: 36
Views: 4566


Thanks, that is helpful. My own is with fannie. So, basically, I pay it down so no more PMI; then do a Streamlined Refinance. Do I have to go with my current bank? (they keep quoting me really bad rates). Rhino, you don't have to go with your existing bank, although there are some lenders out there...

 Forum: Personal Finance   Topic: Is an Emergency Fund always necessary?

Posted: Wed Jul 21, 2010 3:39 pm 

Replies: 18
Views: 2972


What I do is keep an emergency fund for ~6 months of income. If a good investment comes along, I don't think twice about using that money for it. If I invest it; I try to build it up again, but usually find a good deal before than. :/ At min, I keep 1 month in savings, 1 month in checking. Anything ...
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