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Viewing profile - KlfJoat

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Joined: Mon Apr 16, 2007 7:41 am
Last visited: Thu May 03, 2007 2:35 pm
Total posts: 8
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 8 Posts / 100.00% of user’s posts ]
Most active topic: How should I start?
[ 1 Post / 12.50% of user’s posts ]



E-mail address:
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AIM: KlfJoat
Location: Baton Rouge, LA
Occupation: Professional Computer Nerd

KlfJoat Posts

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 Forum: Personal Finance   Topic: How TCO can help -- and hurt -- your finances

Posted: Thu Apr 19, 2007 2:36 pm 

Replies: 0
Views: 3352

Re: JD's post today on CFL bulbs There is a concept in business that I think is relevant to that post. It's known as TCO - Total Cost of Ownership. TCO is the concept that your cost for an item is not limited to what you paid for it. CFL bulbs have a lower TCO than cheaper incandescent bulbs due to ...

 Forum: Personal Finance   Topic: How should I start?

Posted: Wed Apr 18, 2007 12:00 pm 

Replies: 13
Views: 12093

My own community college used to have a course which didn't transfer to University which was titled "Personal Finance". It didn't have the type of information that some of the better personal finance books have, but it did give me a background. I learned what T-bills are, what T-notes are,...

 Forum: Personal Finance   Topic: Impulse buying isn't necessarily bad

Posted: Wed Apr 18, 2007 11:50 am 

Replies: 15
Views: 5234

Re: JD's post today Personally, I don't think impulse buying is bad in and of itself. It's unbudgeted buying which causes problems. I use the 60% budget, as found on this MSN Money article . It was the first budget that actually made sense to me, and I stick to it pretty religiously. In his basic bu...

 Forum: Personal Finance   Topic: Online Billpay, etc.

 Post subject: Re: Online Billpay, etc.
Posted: Tue Apr 17, 2007 6:24 pm 

Replies: 17
Views: 16586

My car insurance now sends me an e-mail reminder two weeks before the bill is due. I simply pop onto the web site and pay by hand. I would <i>love</i> to automate this, but I don't know if it's possible. (State Farm is the carrier.) In my ideal world, I would set up Wells Fargo to automatically pus...

 Forum: Personal Finance   Topic: Efficient driving?

Posted: Tue Apr 17, 2007 2:02 pm 

Replies: 23
Views: 19302

Of course, this topic requires me to link the article about the guy JD posted in March. http://www.getrichslowly.org/blog/2007/03/05/extreme-personal-finance-the-most-fuel-efficient-driver-in-the-world/ And then there's an article from HowStuffWorks: http://auto.howstuffworks.com/how-to-drive-econom...

 Forum: Personal Finance   Topic: Calculated goals make them seem easy

Posted: Tue Apr 17, 2007 1:50 pm 

Replies: 2
Views: 4485

I'm only really writing this out to be able to qualify the numbers (quantities) I calculated last night. I created a spreadsheet to tally where my non-committed monies were going. This does NOT count bonuses. This does NOT count the extra $$$ I deposit in savings each paycheck. This does NOT count h...

 Forum: Personal Finance   Topic: Where do you hope to retire?

Posted: Mon Apr 16, 2007 10:46 am 

Replies: 31
Views: 22024

No clue. I've barely gotten together some basic goals for my life. Goals that far away aren't even on the radar map yet.
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