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Viewing profile - fbchick

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fbchick
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Joined: Fri May 30, 2008 1:05 pm
Last visited: Wed Aug 27, 2008 10:32 am
Total posts: 50
[0.06% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 36 Posts / 72.00% of user’s posts ]
Most active topic: Mobile homes
[ 2 Posts / 4.00% of user’s posts ]

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fbchick Posts

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 Forum: Personal Finance   Topic: Living on cash-How to control outflow

Posted: Wed Aug 27, 2008 10:32 am 

Replies: 6
Views: 4498


I Agree with the above posters. First and foremost... seperate the business and the personal into two seperate accounts. Set up a monthly "paycheck" from your business to your personal account and don't touch the business account for personal expenses. Second you need a spending diary.. tw...

 Forum: Personal Finance   Topic: Help Buying a used car and getting a loan...

Posted: Thu Aug 21, 2008 10:19 am 

Replies: 20
Views: 38591


But the point the detrackers are trying to make is the idea that the OP doesn't "need" an $8000 car that requires financing. While the OP may need a car (though it doesn't sound urgent as he stated he was still saving up the down payment), a $2000 used economy car that he can pay cash for ...

 Forum: Personal Finance   Topic: home equity loan question please

Posted: Thu Aug 21, 2008 8:42 am 

Replies: 9
Views: 4677


The qustion you didn't ask was how often is your rate adjusted? Credit cards tend to adjust monthly, and mortgages tend to adjust annually or bi-annually. Never investigated a HELOC, so not sure, but suspect they may fall somewhere inbetween. Also be skeptical of the below prime rate. While banks do...

 Forum: Personal Finance   Topic: My savings + his debt

Posted: Wed Aug 20, 2008 10:43 am 

Replies: 33
Views: 12327


In your example about a job loss? Happened to us, before we had fully melded finances. When that did happen, we sat down and discussed which expenses DH would still be expected to pay from his unemployment income, and which ones I'd take on fully. And it was no problem. In fact, while he was unempl...

 Forum: Personal Finance   Topic: My savings + his debt

Posted: Tue Aug 19, 2008 9:49 am 

Replies: 33
Views: 12327


While I agree, a number of the post were a bit too harsh and judgemental, the advice within it is good. No matter how you decide to handle the debt, once married ALL debt will effect both of you. Consider what would have to happen if he lost his job for 6 months? You going to have to start paying th...

 Forum: Personal Finance   Topic: First time Home Buyer Question

Posted: Tue Aug 19, 2008 8:07 am 

Replies: 10
Views: 5569


Have you looked into Navy Federal Credit Union (http://www.navyfcu.org) or USAA (http://www.usaa.com)? They may be able to help you get good rates on your house especially since you are in the military and are probably more willing to work with you based on your circumstances. Thanks for your servi...

 Forum: Personal Finance   Topic: Is This True About Your Credit Cards?

Posted: Tue Aug 19, 2008 7:54 am 

Replies: 10
Views: 25307


Keep them open. If you close your cards, your credit card history will go out the door with it. http://getprequalified.com/article/104852/credit_repair/credit_scores_101.html From personal expirence.. this is baloney! Yes your credit score will go down on the initial closing of an account, but it's...

 Forum: Personal Finance   Topic: What would you do?

Posted: Tue Aug 19, 2008 7:44 am 

Replies: 5
Views: 34104


When you say sell it at a loss, do you mean sell it for less then it was worth when you bought it? Or sell it for less then you currently owe? I agree with the other posters, talk with a real estate on what the house could be listed right now, what improvements they would recommend to help sell it. ...

 Forum: Personal Development   Topic: Insight requested for website/job/business situation

Posted: Wed Aug 13, 2008 9:29 am 

Replies: 12
Views: 9037


Some question I would ask first. You keep saying your income would be replaced by eliminating employees. So your belief is that you could do the work of two or more employees? Why can't you eliminate some of those employees now? You say the business just needs marketing. Why can't you help out in th...

 Forum: Personal Finance   Topic: Which presidential candidate will be better for The Economy?

Posted: Wed Aug 13, 2008 8:46 am 

Replies: 40
Views: 11396


Actually, the less driving we do, the less the maintenance costs us for our roads. Not to mention the fact that we can start cancelling road expansion projects and additional highway interchange projects.

Even simply downgrading to lighter more fuel efficient cars will help our roads last longer.

 Forum: Personal Finance   Topic: How do you budget for home improvement?

Posted: Tue Aug 12, 2008 7:15 am 

Replies: 8
Views: 9196


I tend to agree on Plonkee. I think it depends on what type of home improvements/ repairs we are talking about. I personally run a home improvement/repair fund that gets $100 a month. It slows down my debt repayment, but it also has a targeted rainy day fund just for the house. When the repair issue...

 Forum: Personal Finance   Topic: Starting a web-based business

Posted: Mon Aug 11, 2008 9:17 am 

Replies: 15
Views: 35105


Also dig around on-line. You may find there's a ready made template for the design you need, then it can be as simple as learning how to customize the template with data entry and graphics. There are designs avaible for just about everything, but if you looking for programmatic changes to everything...

 Forum: General Discussion   Topic: Dry cleaning

Posted: Thu Aug 07, 2008 10:19 am 

Replies: 6
Views: 4308


The Dryel kit does include a stain remover, but it really only works on light stains. Like others have said, I found the Dryel to be more of a clothing refreasher then really a cleaner, but use it as a good way to reduce the number of trips to the dry cleaner. Though like Brad, I find I often will b...

 Forum: Personal Development   Topic: Private Job vs. Public Job

Posted: Thu Aug 07, 2008 10:13 am 

Replies: 4
Views: 7401


No I did not have any issues moving back into the public sector. Though admittedly I believe that had more of my own doing then anything else. I work in IT and the same sigma can apply. Mostly it's along the lines of public IT folks being too far out of date of current technologies. But instead I fo...
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