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Viewing profile - cswiii

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cswiii
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Joined: Sun Apr 22, 2007 12:54 pm
Last visited: Mon Apr 30, 2007 10:30 am
Total posts: 11
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 11 Posts / 100.00% of user’s posts ]
Most active topic: Green/environmental investing?
[ 1 Post / 9.09% of user’s posts ]

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I'm not a financial analyst. If you ask for opinions, I may weigh in, but don't construe my comments as advice. Do your own due diligence and/or speak with your financial adviser.

cswiii Posts

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 Forum: Personal Finance   Topic: Credit card marketing tactics

Posted: Mon Apr 30, 2007 9:08 am 

Replies: 3
Views: 3874


You can reduce the vast majority of those CC offers by filling out the forms at the Opt-Out Pre-Screen site used by the major credit bureaus. Found here: https://www.optoutprescreen.com We used to get at least two offers a week from Crapital One. Now CC offers are (thankfully) a very rare occurrence...

 Forum: Personal Finance   Topic: "unavoidable" budget killers

Posted: Sun Apr 29, 2007 8:36 pm 

Replies: 11
Views: 7529


Some thoughts... * Hybrids are expensive, but you also get a tax credit (yes, a credit, not a deduction!) for the tax year in which it was purchased, which takes a bit of the bite away. We got an Escape Hybrid and the resulting nearly-2000 tax credit last year. Note however that the credit is pro-ra...

 Forum: Personal Finance   Topic: Online Billpay, etc.

Posted: Mon Apr 23, 2007 1:51 pm 

Replies: 17
Views: 14975


I bank with USAA and recently signed up for ING's Electric Orange 4.00% checking account. I'm switching back and my initial deposit hasn't even cleared. I found the interface to be cluttered, garish and unintuitive, and the pay bills option is not e-billing. I got the impression they would be maili...

 Forum: Personal Finance   Topic: What is your opinion of fund ANCFX?

Posted: Mon Apr 23, 2007 8:22 am 

Replies: 14
Views: 9998


Obligatory: I am not a financial analyst. As you mentioned, there is a hefty front-end, but if you can avoid it, more power to you, especially with its terrific expense ratio. It looks decent, According to the morningstar report: http://quicktake.morningstar.com/FundNet/Snapshot.aspx?Country=USA&am...

 Forum: Personal Finance   Topic: Green/environmental investing?

Posted: Sun Apr 22, 2007 4:45 pm 

Replies: 5
Views: 6187


Here's a good article on morningstar.com, too, which talks about how to choose the best green fund for you. http://news.morningstar.com/article/article.asp?id=190007 Something to consider however -- and this may or may not matter to you -- one of the ones they mention as being one of the best in the...

 Forum: Personal Finance   Topic: Organics (expensive) vs. Conventionals (inexpensive)

Posted: Sun Apr 22, 2007 2:10 pm 

Replies: 21
Views: 15815


Do you live near a Trader Joes? In addition to a terrific shopping experience, they have very competitive prices -- a gallon of (non-organic) milk is cheaper at the TJs near us than at Target -- and they have a wonderful selection of organic products. It may help lessen the price point pain. We move...

 Forum: Personal Finance   Topic: ugma vs custodial account

Posted: Sun Apr 22, 2007 2:07 pm 

Replies: 5
Views: 6930


Fool.com -- an all around good, no-nonsense financial site for new investors -- has a good article on UGMA vs Custodial accounts here:

http://www.fool.com/school/taxes/taxes14.htm

 Forum: Personal Finance   Topic: Best small hack to improve life/bills?

Posted: Sun Apr 22, 2007 2:05 pm 

Replies: 43
Views: 29068


Switch to Linux to save you time and $$$ when one takes into consideration productivity lost due to viruses, malware, etc. In any case, made my life a lot better. Then again, I switched over about ten years ago. I use Fedora myself, but Ubuntu is rapidly becoming popular for people making the move o...

 Forum: Personal Finance   Topic: free video games

Posted: Sun Apr 22, 2007 1:45 pm 

Replies: 12
Views: 7414


I use Linux, and while they don't develop a lot of the games today for Linux in the first place, I prefer to go free. Here are some that I like, or have liked in the past. I should note that these are not linux-only -- there are Windows versions as well: * Tremulous -- first person shooter, but with...

 Forum: Personal Finance   Topic: Online Broker Recommendations - Thoughts and Comments?

Posted: Sun Apr 22, 2007 1:33 pm 

Replies: 8
Views: 7486


If you (or your spouse, or parents...) are military, USAA is an all-around great financial center. I could talk about any number of things that they offer which are terrific, but I'll opt to stay on topic. I switched to them from E*Trade a few months back as part of a larger effort to consolidate my...
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