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It is currently Mon Sep 26, 2016 10:22 pm

Viewing profile - jkf_74

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Joined: Sun Aug 03, 2008 7:24 pm
Last visited: -
Total posts: 104
[0.12% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 61 Posts / 58.65% of user’s posts ]
Most active topic: Credit Card Games (sort of)
[ 7 Posts / 6.73% of user’s posts ]



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Location: Texas

jkf_74 Posts

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 Forum: General Discussion   Topic: Bad time to buy a house?

Posted: Tue Oct 14, 2008 10:16 pm 

Replies: 16
Views: 7550

The only reason your payment would go up that much would be if you got an adjustable rate mortgage. I would hope most everyone has learned not to go that route, but just to be clear: don't do it. Get a 30 year fixed and pay off as you see fit (apply extra payments when you want to). Your rate doesn...

 Forum: Tips, Tricks, Links, Pointers   Topic: Saving with hand scanners at grocery store

Posted: Tue Oct 14, 2008 10:11 pm 

Replies: 2
Views: 4221

I hope you realize that you're essentially performing a minimum wage job when you scan out your own items. That's why the stores have them. Those machines have a pretty hefty up front cost, but they pay themselves off rather quickly. I'm not saying it's wrong, but it's just another example of how t...

 Forum: General Discussion   Topic: Why does the Dow keep on dropping?

Posted: Sat Oct 11, 2008 7:54 pm 

Replies: 11
Views: 5218

People KNOW "buy low , sell high", but they PRACTICE "sell low, buy when rising". - this is the 'panic'. When they see the value of the investment dropping they try to get out when it is down to 'save' themselves but it is here where they realize the loss. The increase of people ...

 Forum: General Discussion   Topic: Bad time to buy a house?

Posted: Sat Oct 11, 2008 7:46 pm 

Replies: 16
Views: 7550

If you can pay cash, this is a GREAT time to buy a house. If you have to finance it, we are still on some shaky ground for awhile so don't bite off more than you can afford. I would say if you are looking at payments, make sure you can afford it if your payment went up by as much as 45-50%(nightmare...

 Forum: Personal Development   Topic: College education Vs. certified training: HELP!!!

Posted: Sat Oct 11, 2008 7:42 pm 

Replies: 10
Views: 8245

I currently make 12k per year and my husband makes 11k; so as you can see, this income boost would be really helpful and I genuinely think that I would enjoy this profession. My dilemma is that I feel like I would be "throwing away" all of the hard work I put into college exceeding my Ass...

 Forum: Personal Finance   Topic: Bizarre pricing

Posted: Sat Oct 11, 2008 7:34 pm 

Replies: 15
Views: 5445

For the crackers, it is possible that one of the box sizes is being discontinued or is in a new size. You may not see any 'sale' or 'clearance' markings if it is a new switch or if pricing doesn't change until a certain inventory level is reached.

 Forum: Personal Finance   Topic: Question about Prime Rate

Posted: Sat Oct 11, 2008 7:30 pm 

Replies: 5
Views: 2440

I work for Amex, and for any Amex card with a variable rate, it will adjust automatically on the first day following the prime rate posting in the Wall Street Journal

 Forum: Personal Finance   Topic: certified financial planner

Posted: Tue Oct 07, 2008 3:00 pm 

Replies: 10
Views: 4081

what type of planning are you seeking? income investment, retirement, savings etc etc

 Forum: Personal Finance   Topic: Closing credit card accounts

Posted: Tue Oct 07, 2008 2:59 pm 

Replies: 2
Views: 1784

I have a card that is the first card I ever got. I don't really need it, and only keep it because its the oldest account I have, and I thought it was better for my credit score to keep it. Does it matter (all other things being equal (debt ratio, # of cards not hurting score)? as long as you don't ...

 Forum: Personal Finance   Topic: Just moved & need car loan with no credit history

Posted: Tue Oct 07, 2008 7:52 am 

Replies: 9
Views: 2965

any public transportation options? Even it it's is HIGHLY inconvenient on timing it may get you through until you can buy something reliable

 Forum: Personal Finance   Topic: Chasing the Balance

 Post subject: Re: Chasing the Balance
Posted: Wed Oct 01, 2008 10:19 pm 

Replies: 12
Views: 4582

If you used amex's online payment system, then as long as you did it before 11:59pm MT it would have been noted to your account for that days reporting. You also would have been issued a confirmation number which is issued the moment you hit the final submit and can be tracked as such. If you have ...

 Forum: Personal Finance   Topic: Chasing the Balance

 Post subject: Re: Chasing the Balance
Posted: Wed Oct 01, 2008 5:39 pm 

Replies: 12
Views: 4582

It started with American Express. They began doing this because I missed a payment (I didn't really miss the payment, I scheduled the payment through their online system, but the payment was never deducted and they called it late) So they began lowering my limit, now Bank of America and US bank is ...

 Forum: Fiscal Fitness Journals   Topic: Battle for Freedom for Credit Cards

Posted: Tue Sep 30, 2008 9:33 pm 

Replies: 129
Views: 46449

I would not use your bank to schedule your cc bills but if you do make sure to schedule them for at least three days (STRONGLY suggest a week)prior to the actual due date. Your cc may require a bank payment to be sent physically as a check to them in which case if your banks 'cuts' the check and mai...

 Forum: Personal Finance   Topic: Chasing the Balance

 Post subject: Re: Chasing the Balance
Posted: Tue Sep 30, 2008 9:26 pm 

Replies: 12
Views: 4582

I didn't know this existed until just recently. Its been happening to me for about a year now and making it difficult to pay off my debts. Basically what's happening is that when I pay down a credit card, about two weeks after I make a large payment, I get a letter saying that my balance is being d...
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