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Viewing profile - Daisy

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Daisy
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Joined: Tue Apr 24, 2007 8:51 am
Last visited: Tue Jun 05, 2007 12:17 pm
Total posts: 11
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 10 Posts / 90.91% of user’s posts ]
Most active topic: Best small hack to improve life/bills?
[ 2 Posts / 18.18% of user’s posts ]

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Website: http://www.reluctantpublicity.blogspot.com

Daisy Posts

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 Forum: Personal Finance   Topic: With or without my insurance company

Posted: Mon Apr 30, 2007 5:39 pm 

Replies: 4
Views: 4398


I'm confused, why would your insurance go up for a claim that was not your fault? . One factor in all insurance policies is number of incidents. In 1998, I was in a car accident that wasn't my fault, and then two days later the car was stolen. When it was recovered, the damage from the theft plus t...

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

Posted: Wed Apr 25, 2007 9:24 am 

Replies: 25
Views: 18801


My opinion: Refinance to a lower rate, but don't "borrow" from paying off the cars. As soon as the loan is paid off, you have the opportunity to drop your insurance coverage to a lower level (i.e. collision instead of comprehensive). Most of us don't use comprehensive insurance unless our ...

 Forum: Personal Finance   Topic: Where do I start?

Posted: Wed Apr 25, 2007 7:48 am 

Replies: 7
Views: 6787


Rates are still pretty low for consolidation, I think. At least, I keep getting mailers about consolidating, even though I can't consolidate any further. I had LASIK in 2001. Best thing I ever did, though I'd been wearing glasses, and thick ones at that, since kindergarten. I didn't have any money s...

 Forum: General Discussion   Topic: Losing the Land-Line

Posted: Tue Apr 24, 2007 11:57 am 

Replies: 25
Views: 20733


is 911. I know, it works with your cell phone. I've used it. But the possibility of someone who is watching my children for me at my house not having a phone to grab quickly and call 911 is scary enough to keep me with a landline, even without the DSL that does require it. Vonage is part of your reg...

 Forum: Personal Finance   Topic: Debt Consolidation

Posted: Tue Apr 24, 2007 11:43 am 

Replies: 20
Views: 14046


I've heard a lot of people with many bad things to say about credit counseling. This may be the only good one you hear, but here is my experience with it: In college, like so many people, I ran up credit card debt. I graduated with more than $6500 in credit card debt and a small car loan. I tried to...

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

Posted: Tue Apr 24, 2007 11:24 am 

Replies: 43
Views: 30127


brad, you're right that I haven't tried them in a few years. The last one I tried was when I was a teenager. We also like the shower wands that can be taken down, since they help with bathing munchkins and dogs when necessary. I'll have to keep a lookout for saver wands when we get around to remodel...

 Forum: Personal Finance   Topic: Where do I start?

Posted: Tue Apr 24, 2007 11:21 am 

Replies: 7
Views: 6787


Can you set up a bank account in the US and just transfer money monthly? That way you could cut down on transfer fees. Also, if you pay your SL's seperately, I'd consolidate right now. Rates are still pretty low, and that would keep the number of your payments (and transfer fees) down too. I'd start...

 Forum: Personal Finance   Topic: Efficient driving?

Posted: Tue Apr 24, 2007 11:16 am 

Replies: 23
Views: 19118


We own a 1998 Honda Civic EX (with the spoiler... they're called that because they spoil gas mileage). We are the original owners. The first clutch lasted us 185000 miles. We now have over 230000 miles. Replacing the fluid in the Civic costs about $50, and we've done it about four times. Regular oil...

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

Posted: Tue Apr 24, 2007 11:03 am 

Replies: 43
Views: 30127


1. Cut down on driving. 2. SLOW DOWN. We own a 1998 Honda Civic with over 230,000 miles. When we drive 60-65 rather than MO's 70mph limit or faster, we get 40 mpg! 3. Declutter. I've recently been giving about a box a week of stuff to goodwill. I've found stuff that I was thinking about buying! 4. C...

 Forum: Personal Finance   Topic: Married couples - joint or individual checking?

 Post subject: Joint!
Posted: Tue Apr 24, 2007 10:19 am 

Replies: 56
Views: 43511


There are lots of benefits to joint account, IMO. But one of the things you could be missing out on is lowering your interest rates by consolidating your student loans together. When my husband and I first got married, we didn't consolidate, because we thought we could make more progress paying on b...
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