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Viewing profile - AmericanCliche

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AmericanCliche
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Joined: Sat Feb 14, 2009 10:14 am
Last visited: Sun Jan 24, 2010 11:15 am
Total posts: 35
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 34 Posts / 97.14% of user’s posts ]
Most active topic: Does anyone have their accounts at just one bank?
[ 2 Posts / 5.71% of user’s posts ]

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AmericanCliche Posts

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 Forum: Personal Finance   Topic: What vehicle to buy

Posted: Sat Nov 28, 2009 11:28 am 

Replies: 62
Views: 8782


I'd reccomend the Ford Fusion Hybrid . It's the size of a Toyota Camery and gets better gas milage than the Camery hybrid, costs about the same as a Toyota Prius and has plenty of room for your future family. Plus, Ford offers generous cash back and financing deals. Secondary option to check out, Ho...

 Forum: Personal Finance   Topic: Should I cancel my AMEX Gold card?

Posted: Sun Nov 01, 2009 6:16 pm 

Replies: 22
Views: 27979


Before I became frugal, I opened a charge account with American Express (Amex Gold Rewards). The annual fee to maintain the account is $120, regardless of if I use it (and I stopped using it). I think the fee is a huge waste of money. AMEX charge cards serve no purpose other than trying to impress o...

 Forum: Personal Finance   Topic: Living "Responsibly" is Impossible

Posted: Sat Oct 03, 2009 11:18 am 

Replies: 94
Views: 22582


Financial advisors write about an ideal situation, they mention all the investment tools available in order to make people aware of them. However, I hardly think living on an extremely tight budget just to meet a theoretical ideal is....ideal. Do what you can afford. I think it's irresponsible to ma...

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

Posted: Sat Oct 03, 2009 10:56 am 

Replies: 32
Views: 18766


I recently lost my job (victim of the recession), but thanks to reading GRS I have enough savings to survive for two years without work. After my layoff, I met a woman that I've really come to like (one of those women you meet and think, she'll be my wife one day). So what's an unemployed guy to do?...

 Forum: Personal Finance   Topic: Does anyone have their accounts at just one bank?

Posted: Mon Aug 31, 2009 8:59 pm 

Replies: 18
Views: 3879


USAA - Savings, Checking, Electronic Bills, Credit Card, Car Insurance, Renters Insurance Vanguard - Roth IRA I already do my checking and insurance (car +renters) at USAA, so I'm probably going to consolidating there. A few questions about USAA. I know rates for savings are low right now all over,...

 Forum: Personal Finance   Topic: Does anyone have their accounts at just one bank?

Posted: Mon Aug 31, 2009 3:20 pm 

Replies: 18
Views: 3879


I'm so tired of logging into 5 different websites just to manage my money. Does anyone out there consolidate their various accounts at one bank? If so, where?

 Forum: Personal Finance   Topic: How Low Does Your Checking Account Get?

Posted: Mon Jun 15, 2009 11:41 pm 

Replies: 53
Views: 19063


I try to maintain $1500 at all times in my checking account. I keep an additional $1000 in a savings account which is designated to be used if an overdraft occurs. I'm not sure if many banks offer the ability to designate an account to draw from if an overdraft occurs, but it's a great away to earn ...

 Forum: Personal Finance   Topic: Are Short-Term Bond Funds Good for Additional Saving?

Posted: Sun Jun 14, 2009 5:00 am 

Replies: 0
Views: 1472


I keep my emergency fund in a high yield savings account. I recently reached my savings goal for the emergency fund. While I plan to continue making monthly contributions, I won't be pushing all my extra money to the savings account since interest rates are low. I'm interested in short term bond fun...

 Forum: Personal Finance   Topic: Emergency fund & debt vs. retirement $

Posted: Tue Mar 31, 2009 9:54 pm 

Replies: 11
Views: 3317


Goingblank- How old are you? It sounds like you have been contributing to retirement, but have taken a temporary break, correct? Do you have a retirement nest egg already? How long do you think you're likely to make that contribution pause? My thoughts are these: * Some liquid savings, enough to pa...

 Forum: Personal Finance   Topic: My girlfriend says she wants a CZ

Posted: Mon Mar 30, 2009 12:51 am 

Replies: 53
Views: 15631


Get the diamond ring. You know her best; if you felt that she truly didn't care about a diamond you wouldn't have made this post. Some things are beyond making rational financial sense.

 Forum: Personal Finance   Topic: On the Verge of Spending Big

Posted: Sun Mar 29, 2009 5:13 am 

Replies: 6
Views: 2303


I constantly feel the need to buy things. What works for me is thinking of how long it took to get out of debt and how hard I had to work to earn the cash to buy whatever it is I want. When I think of the true cost of X item, my desire for it disappears. That said, I do have a slush fund where I kee...

 Forum: Personal Finance   Topic: The CD Chain. Your thoughts?

Posted: Fri Mar 27, 2009 1:55 am 

Replies: 17
Views: 4884


I use ING for savings, but never tired their CDs. You're right though, now it's better to leave extra cash liquid until rates start going up. I anticipate that rates will rise by the end of the year.

 Forum: Personal Finance   Topic: The CD Chain. Your thoughts?

Posted: Thu Mar 26, 2009 6:07 am 

Replies: 17
Views: 4884


It's called a CD Ladder. You can do that with tbills too. What I do, is have a "chunk" of cash in Savings/Liquid a smaller chunk in short term bonds (4 week) that I just keep rolling over and put a certain amount each month into 12 month CDs (and also roll over the expiring one into the n...

 Forum: Personal Finance   Topic: Car Paid Off, Now What?

Posted: Thu Mar 26, 2009 4:15 am 

Replies: 12
Views: 3715


I'd suggest you: 1) Treat yourself for paying off your car (like some one eariler suggested). Personally, I'd use that money to take a weekend car trip...but that's just me, long drives mellow me out. 2) Continue making car payments to yourself. You're already used to not having that money, so let i...
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