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Viewing profile - samerwriter

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samerwriter
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Joined: Wed Apr 04, 2007 9:19 pm
Last visited: Thu May 03, 2007 7:27 pm
Total posts: 34
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 29 Posts / 85.29% of user’s posts ]
Most active topic: Socially Responsible Investing?
[ 5 Posts / 14.71% of user’s posts ]

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Location: Portland, OR
Occupation: Computer Engineer
Interests: Finance
Website: http://www.samerwriter.com/

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samerwriter Posts

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 Forum: Personal Finance   Topic: Getting out of debt when you're 'upside down.'

Posted: Thu Apr 26, 2007 9:45 pm 

Replies: 25
Views: 16592


He said that, if he sold the cars, he'd be short $7500 on each. That's $15,000 of debt with no assets and he'd still need to buy one or two cars to replace his transportation. While that's unfortunate, it's also irrelevant. Selling the cars and replacing them with lower-value cars that will depreci...

 Forum: Personal Finance   Topic: Getting out of debt when you're 'upside down.'

Posted: Tue Apr 24, 2007 10:39 pm 

Replies: 25
Views: 16592


You can't get out of the car situation. You might as well just keep paying for the cars and drive them till they fall apart. You'll get full value that way. That's the realization I've come to as well. Just wondered if anyone had come up with any creative solutions in their experience. Thanks. I do...

 Forum: Personal Finance   Topic: Efficient driving?

Posted: Tue Apr 24, 2007 10:28 pm 

Replies: 23
Views: 16965


Sam, That's exactly what I'm looking for. (Now I just gotta arrange to have one brought across the border to me here in Canuckistan.) One question, in your write-up you mention "calibrating" the device for the different vehicles you've used it on. What does this calibration procedure enta...

 Forum: General Discussion   Topic: Do you ever feel like quitting your day job?

Posted: Fri Apr 20, 2007 1:20 pm 

Replies: 15
Views: 14067


I guess the easy answer is to develop a backup plan. Easier said than done of course. Find something you do enjoy, and start doing it in your free time. If you cut back on your lifestyle, you may find that you can support yourself with that. I have a lot of admiration for those who are willing to le...

 Forum: Personal Finance   Topic: Efficient driving?

Posted: Fri Apr 20, 2007 1:07 pm 

Replies: 23
Views: 16965


I bought a gizmo called a scangauge: http://www.scangauge.com/ that outputs realtime mileage data (as well as other data), and can average it out over a trip, a tank of gas, daily, etc... As a bonus, it also reads engine codes. I put together a little writeup of my experiences with it here: http://w...

 Forum: Personal Finance   Topic: collection agency screwed me over

Posted: Fri Apr 20, 2007 12:55 pm 

Replies: 4
Views: 6150


There's probably a useful lesson here as well, though.

It's important to explicitly cancel service, rather than hoping that they'll just go away when your credit card expires.


Sam

 Forum: Personal Finance   Topic: Am I on the right track?

Posted: Fri Apr 20, 2007 12:52 pm 

Replies: 6
Views: 6268


I think the moves you've made to cut your monthly expenses and increase your income are *awesome*. That should serve as an example to anyone in a similar situation. (Obviously cutting our collision on your car only works if you're driving a beater). I'm not sure I'm reading your numbers correctly; i...

 Forum: General Discussion   Topic: Old Numbers

Posted: Tue Apr 17, 2007 11:29 pm 

Replies: 4
Views: 6300


When I was a teenager, I used to use my mom's credit card to order software for her company. For the last 16 years I have remembered that credit card number. Once, late at night when ordering airline tickets, I accidentally recited that number as my own. I also installed PageMaker probably 30 times ...

 Forum: Personal Finance   Topic: Online Billpay, etc.

Posted: Tue Apr 17, 2007 11:17 pm 

Replies: 17
Views: 14978


I agree with TinyHands. When I get my bills, I log in to my credit union, and set up a payment. It doesn't take any more than 5 seconds per bill, and it ensures that I know where the money is.


Sam

 Forum: Personal Finance   Topic: Best Cash Back Credit Card?

Posted: Tue Apr 17, 2007 11:09 pm 

Replies: 16
Views: 12210


I really have no idea what the "better" cards are nowadays, but we use: Costco American Express, which offers: 3% cash back on restaurants 2% cash back on travel (hotels, airfare, rental cars) 1% cash back on everything else no annual fee no rebate limit Last year our rebate on this card w...

 Forum: Personal Finance   Topic: Socially Responsible Investing?

Posted: Mon Apr 16, 2007 6:36 pm 

Replies: 32
Views: 23416


Interesting statistic. It *still* seems to me that the investment would be better made in companies that are not socially responsible, with an eye toward improving their record. In other words, $703 billion could buy a very small percentage of a large number of socially responsible companies. But wh...

 Forum: Personal Finance   Topic: question about 401K distributions -- taxes

Posted: Mon Apr 16, 2007 6:25 pm 

Replies: 2
Views: 5603


But you have hit on an interesting point. I won't call it a "loophole", and I am not an accountant. But you can participate in what I'll call "time-based arbitrage" if you know that you'll be moving to a substantially lower tax bracket (for example if you're going back to school,...

 Forum: Personal Finance   Topic: New retirement savings account

Posted: Mon Apr 16, 2007 6:11 pm 

Replies: 4
Views: 5839


In my opinion, the irritation of having accounts open with a very small balance and little chance of ever increasing in value far outweighs the tax hit from consolidating investments. My wife had a similar policy that her father opened for her years ago. It had a cash value of something like $3000. ...

 Forum: Personal Finance   Topic: How should I start?

Posted: Mon Apr 16, 2007 6:04 pm 

Replies: 13
Views: 9965


I suspect that a typical college economics class would be nearly completely irrelevant to beginning personal finance. That doesn't mean that it won't be interesting, and it doesn't mean that it won't help you think about finances in a completely different way. But if you're trying to learn about sto...
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