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Viewing profile - sdkramer

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sdkramer
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Joined: Mon Apr 30, 2007 11:03 am
Last visited: Sun Jul 28, 2013 11:51 am
Total posts: 298
[0.34% of all posts / 0.09 posts per day]
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Most active forum: Personal Finance
[ 132 Posts / 44.30% of user’s posts ]
Most active topic: sdkramer's Extreme Financial Makeover
[ 65 Posts / 21.81% of user’s posts ]

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Location: Michigan
Occupation: Programmer
Interests: Reading, Computing, Politics, and Finance
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sdkramer Posts

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 Forum: Fiscal Fitness Journals   Topic: sdkramer's Extreme Financial Makeover

Posted: Wed Oct 17, 2012 8:47 pm 

Replies: 78
Views: 57507


Well it's been quite a while, but updating again. Things have been difficult, but I'm trying to get back on the financial horse. Lets hope it's not a few years before I update again. Assets: Roth IRA: $34,113.91 Roth 401k: $19,946.74 ING Check: $1,936.13 Credit Union Check: $0 Credit Union Save: $5 ...

 Forum: Personal Finance   Topic: Buying a new house

 Post subject: Buying a new house
Posted: Wed Apr 21, 2010 5:43 am 

Replies: 14
Views: 2509


Hi guys. I've been looking at houses for the last two months down in South Florida where I live. Prices seem to continue to be headed down for a little while. My real estate agent is all hot and heavy about the 8,000 dollar home buyer credit and I think it's creating artificial excitement in the hou...

 Forum: Personal Finance   Topic: Debit or Credit?

 Post subject: Re: Debit or Credit?
Posted: Thu Mar 18, 2010 11:04 am 

Replies: 8
Views: 1513


Wearing my merchant hat: If you're a merchant the advantage of you using debit is that they don't cost an arm and a leg. Typically the merchant has to pay 4-8x the fee on signature transactions as on PIN transactions. Wearing my consumer hat: If you insist on using a check card with a credit card co...

 Forum: Personal Finance   Topic: 401k Rollover to IRA then -10k for new home

Posted: Mon Mar 15, 2010 2:58 pm 

Replies: 0
Views: 3601


Hi guys. I have a question. I'm considering purchasing a new home ~$220k, and for reasons that I can't fully get into I must put 20% down (44k) on it. I would have loved to put 20% down, but in order to do it I would be completely wiped out after closing costs (~$50k) and I'm anxious about owning my...

 Forum: Fiscal Fitness Journals   Topic: sdkramer's Extreme Financial Makeover

 Post subject: 2010 Update
Posted: Tue Jan 05, 2010 2:21 pm 

Replies: 78
Views: 57507


Well it's been almost 6 months, but I'm finally getting to update things. We're still working through things with Dad's estate, but hopefully that will be over in the coming months. I'm considering buying a house so that may be a big change, we'll see. I also got a raise today Assets: Roth: $10,675....

 Forum: Fiscal Fitness Journals   Topic: sdkramer's Extreme Financial Makeover

Posted: Fri Jul 31, 2009 1:58 pm 

Replies: 78
Views: 57507


Oh. I forgot to mention. I had a job as soon as I moved down, it's just my expenses have been out of control, apparently for a year. I'm trying to do better. It's been a while since I posted, but here's what I've got: Assets: Roth: 5690.85 401k: 16687.33 ING: 759.27 Credit Union: 5 Fidelity Credit C...

 Forum: Fiscal Fitness Journals   Topic: sdkramer's Extreme Financial Makeover

Posted: Sun Apr 12, 2009 9:08 am 

Replies: 78
Views: 57507


5 months later in a craptastic economy, and one more move later and here's where we are at: Assets: Roth: $6,138.18 401k: $13,951.67 Sharebuilder: 326.54 ING: $1754.16 Credit Union: $5.00 Liabilities: -$2955.84 FIA Card -$194.61 BofA Card -$9,729.30 Student Loan Net Worth: 9295.8 + car Desperately l...

 Forum: Fiscal Fitness Journals   Topic: sdkramer's Extreme Financial Makeover

Posted: Thu Dec 04, 2008 7:42 pm 

Replies: 78
Views: 57507


Been quite some time, and the economy tanked. Neato!

Here's the story:
Assets
Roth $4523.70
401k $12722.34
Sharebuilder $99.32
ING $6390.07
Credit Union $5.00

Liabilities
Credit Card -$3229.88
Student Loan -$9931.80

Net Worth $10,578.75 + car

 Forum: Fiscal Fitness Journals   Topic: sdkramer's Extreme Financial Makeover

 Post subject: Still in Crisis Mode
Posted: Fri Aug 01, 2008 4:51 pm 

Replies: 78
Views: 57507


Moving Tuesday or Wednesday, and I'm still in crisis mode. I need to get a suit tailored for an interview, shut everything off, forward everything and get everything into my car before then. This should be interesting. Here's what I know at a glance about this month. Savings 4,900k CC due in a few d...

 Forum: Personal Development   Topic: Do you own your stuff?

Posted: Tue Jul 15, 2008 10:26 am 

Replies: 10
Views: 10717


There's also something to be said for the sustainability of behaving in the way you describe. The time as money paradigm is a bit too simplistic. That said, I'd just buy a new one. :)

 Forum: Fiscal Fitness Journals   Topic: sdkramer's Extreme Financial Makeover

Posted: Thu Jul 10, 2008 8:34 pm 

Replies: 78
Views: 57507


Goal 3 complete. 2 Televisions, and two tables sold. Possibly the Dining room table, desk, and office chair. Just 3 pieces left (bed frame, china cabinet, and EZ chair)

 Forum: Personal Finance   Topic: How do you pay your bills?

Posted: Wed Jul 09, 2008 6:16 am 

Replies: 19
Views: 6945


I have everything automatically hit my credit card, and then review at the end of the month. Exceptions are my rent (bill pay check mailed the 25th of every month), student loan (ACHed every 28th), and my credit card bill (ACHed every 11th). I automate processes professionally so I suppose it only m...

 Forum: Personal Finance   Topic: Gas prices in your area ?

Posted: Wed Jul 09, 2008 6:08 am 

Replies: 20
Views: 10206


$4.099 /gal in Southwest Michigan, Lower in Indiana, and Ohio. I presume we have a slightly higher fuel tax, which would make sense, our roads tend to freeze and thaw frequently during the winter. It makes driving on them hell.

 Forum: Fiscal Fitness Journals   Topic: The Wrath of the Math.... on Debts

Posted: Tue Jul 08, 2008 9:39 am 

Replies: 23
Views: 14135


Congratulations. That vacation will feel so much better knowing there's not a car payment waiting for you when you return.

:D
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