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Viewing profile - onebigmortarboard

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onebigmortarboard
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Joined: Thu Apr 05, 2007 6:27 am
Last visited: -
Total posts: 106
[0.12% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 70 Posts / 66.04% of user’s posts ]
Most active topic: Does NetFlix portend the future of programming?
[ 3 Posts / 2.83% of user’s posts ]

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Website: http://mortarboard.blogspot.com

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onebigmortarboard Posts

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 Forum: Personal Finance   Topic: HELP ME PLEASE!!! Student loan refinancing??

Posted: Wed May 14, 2008 10:58 am 

Replies: 12
Views: 4778


There is one more option: If you teach in low income schools or teach math, science, or special ed, you may qualify for forgiveness on a certain amount of FFEL or Direct loans. Of course, this requires getting a job in one of those schools or having the training to be considered "highly qualifi...

 Forum: Personal Finance   Topic: Now What

Posted: Tue May 13, 2008 11:18 am 

Replies: 2
Views: 2187


I'm in the same boat (without the car loan). In times like these, lenders to prefer to see bigger downpayments, but they also look at your indebtedness. $480 a month does lower your debt ceiling. FHA requires 3% down, correct? So working backwards, you're looking in the $165K-$167K range. Have you f...

 Forum: Personal Finance   Topic: HELP ME PLEASE!!! Student loan refinancing??

Posted: Tue May 13, 2008 10:51 am 

Replies: 12
Views: 4778


A little more background would help: Are your loans private, federal (Stafford and Perkins), or a mix of both? You can't consolidate private loans with federal loans, which may be why SM was telling you that. (I've heard that you can't consolidate Perkins with Stafford loans as well, but that may ha...

 Forum: Personal Development   Topic: Topics for Family Finance Class

Posted: Thu Feb 14, 2008 11:27 am 

Replies: 2
Views: 3738


I'm also not familiar with the class, but a basic overview of financial communication/organization skills probably wouldn't hurt. Where do you keep your records? How can you simplify things? If you are a couple, how do you divvy up responsibility for financial matters? If you are a couple, what kind...

 Forum: Personal Finance   Topic: Newbie and standard online banking choice questions

Posted: Thu Feb 14, 2008 11:13 am 

Replies: 4
Views: 2701


I just went through a lot of soul searching when Emigrant dropped its rates, and STILL decided to keep my money there.

I frankly like ED's interface better than ING's, but de gustibus non est disputandum.

 Forum: Personal Finance   Topic: Tax advice or pointers - this year was messed up!

Posted: Fri Feb 08, 2008 8:33 am 

Replies: 8
Views: 3438


I make it a habit to check in with the IRS withholding calculator at least a couple of times a year. I actually overshot because I didn't know the student loan interest deduction phase-out range had gone up, but at least I was certain that I wouldn't owe.

 Forum: Personal Finance   Topic: How do you Budget Vacations and other Yearly expenses?

Posted: Fri Feb 08, 2008 8:22 am 

Replies: 22
Views: 10461


I typically have enough cash flow to cover any vacation spending before the Visa is due. I include vacation in my budget, but, really, it's all covered by my cash flow. I just spend less than I earn every month, so that any vacation would fit into that. In practice, it's been years since I've taken...

 Forum: Personal Finance   Topic: My mantras

Posted: Mon Feb 04, 2008 11:59 am 

Replies: 6
Views: 5437


Automate as much as possible; go paperless as much as possible.

It's amazing how much better and less stressful my financial life became when I started doing 98% of my transactions via direct deposit and ACH.

 Forum: Personal Finance   Topic: 401k and Roth ira question

Posted: Mon Feb 04, 2008 11:43 am 

Replies: 8
Views: 3878


I can understand people who own businesses or properties and "retire" but still generate income from those sources, but for joe-schmoe like me, I am pretty sure my tax bracket would be lower. Keep in mind that there is a not-insignificant probability that tax rates will have to increase o...

 Forum: Personal Finance   Topic: Dating and not being a tight wad?

Posted: Thu Jan 31, 2008 9:18 am 

Replies: 32
Views: 18846


I'd be impressed if a guy cooked for me and showed me a rental movie. That's pretty cheapo. I think the key there is "cook for me" I'd be impressed by this too, but not on a first, or even second date. I'd wonder if he were simply trying to shrink the distance from the date to the bedroom...

 Forum: Personal Finance   Topic: Emergency Fund, Define 'emergency'

Posted: Thu Jan 31, 2008 9:00 am 

Replies: 32
Views: 12601


My general approach to various savings accounts is based on these precepts. No one has to agree with them, but they work for me. 1) Anything can go wrong at any time. Therefore: 2) Keep a little extra on hand. For some people, that means $100-$500 in a safe in the closet. For others, it means a few ...

 Forum: General Discussion   Topic: What's good to do in Sarasota?

Posted: Wed Jan 23, 2008 11:48 am 

Replies: 4
Views: 3145


My grandparents live there. I love it! I highly, HIGHLY recommend the Ringling Museum and compound. There's a circus museum with a lot of memorabilia (one stop even has an entire miniature replica of a traveling circus), a good art museum with several permanent galleries as well as traveling exhibit...

 Forum: Personal Finance   Topic: Do I really need life insurance?

Posted: Tue Jan 22, 2008 11:39 am 

Replies: 32
Views: 19370


Legally.

Ethically, I feel that if I have an asset that would allow them to be paid off, and would still provide significant funds to my father, then it should be used towards them.

You may feel differently.

 Forum: General Discussion   Topic: What's for dinner tonight?

Posted: Tue Jan 22, 2008 8:31 am 

Replies: 39
Views: 17577


I bought a broccoli quiche.

I could have made it for cheaper, but even storebought ones are pretty frugal. They're dense, so I get at least four meals out of them.
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