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Viewing profile - hohos

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Joined: Fri Mar 27, 2009 8:35 pm
Last visited: Wed Jan 16, 2013 5:39 pm
Total posts: 12
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 12 Posts / 100.00% of user’s posts ]
Most active topic: Buying a smartphone
[ 3 Posts / 25.00% of user’s posts ]



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hohos Posts

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 Forum: Personal Finance   Topic: Question about using IRA funds for first home purchase

Posted: Sun Mar 25, 2012 10:41 am 

Replies: 7
Views: 2290

Hi guys, As my post title states, I have a question regarding the use of IRA funds on your first home purchase. From my understanding, an individual can withdraw up to $10,000 from a traditional IRA w/o paying the 10% penalty to make their "first" home purchase. You can also withdraw up to...

 Forum: Personal Finance   Topic: Looking for ING Direct/Sharebuilder from another company

Posted: Tue Feb 28, 2012 10:24 pm 

Replies: 0
Views: 2255

Hey guys, I've learned, from the forum, that ING Direct and Sharebuilder have been bought by Capital One. I use both ING Direct and Sharebuilder to save and invest since they make it so easy to transfer funds between the accounts. My question is do you guys know of any other company that have their ...

 Forum: Personal Finance   Topic: Buying a smartphone

 Post subject: Re: Buying a smartphone
Posted: Tue Jan 03, 2012 3:05 pm 

Replies: 22
Views: 3028

I don't really listen to mp3's either. I have an MP3 player but I only use it at the gym, and half the time I forget it. I guess if it's my phone I am slightly less likely to forget it. But I'm hardly an audiophile. I took the metro to work and there were times when I forgot my phone and would go t...

 Forum: Personal Finance   Topic: Buying a smartphone

 Post subject: Re: Buying a smartphone
Posted: Tue Jan 03, 2012 2:21 pm 

Replies: 22
Views: 3028

I don't think Google has much to do with when individual phones receive new OS versions. I assume that's between the manufacturer and the carrier. Sadly, most carriers adulterate the base OS with their own UI and a bunch of bloatware. In fact one of the features of the Nexus line of phones is suppo...

 Forum: Personal Finance   Topic: Buying a smartphone

 Post subject: Re: Buying a smartphone
Posted: Mon Jan 02, 2012 12:08 pm 

Replies: 22
Views: 3028

I would recommend the iPhone. I've been using the HTC Incredibile from Verizon for about a 1.5 years and while it is a nice smartphone, I feel like there are some inadequacies: 1. There are so many phones running the android operating system (OS) that there is a good possibility that the particular ...

 Forum: Personal Finance   Topic: All-in-Roth?

 Post subject: Re: All-in-Roth?
Posted: Mon Nov 14, 2011 11:37 pm 

Replies: 5
Views: 1042

While, I currently don't have the option of investing in a Roth 401k, I have thought about whether I would put all my eggs in the Roth basket if given the chance. Thanks for broaching the topic, YoungGun! I'll have to keep in mind the whole "0%" tax bracket when thinking about this in the ...

 Forum: Personal Finance   Topic: What's your favorite Roth IRA company

Posted: Tue Oct 25, 2011 7:59 pm 

Replies: 17
Views: 2485

I wouldn't keep stocks in Roth, outside investments yes, but not a retirement account. I'm sorry if this is too much of a digression, but which companies allow you to buy individual stocks in a Roth IRA? I had tried to look into this a while back, and I concluded that this couldn't be done. In rega...

 Forum: Personal Finance   Topic: ATM

 Post subject: Re: ATM
Posted: Sun Jul 25, 2010 11:07 am 

Replies: 4
Views: 960

If this whole scanning process makes you uncomfortable then you better stop using checks completely. The same scanning process is used to process checks even if you hand carry them to the bank. There are very few humans involved in check processing anymore. I recently saw a Chase commercial on TV a...

 Forum: Personal Finance   Topic: Credit Card Question

 Post subject: Re: Credit Card Question
Posted: Mon Jun 21, 2010 7:46 pm 

Replies: 21
Views: 3976

However, any payments you make on the card will go first to paying off your 0% APR balance, while your original balance, ~$8,000, would still be subject to the 14% APR. This is no longer true - this practice was basically outlawed by the CARD act. I heard that the New Credit CARD Act was supposed t...

 Forum: Personal Finance   Topic: Need help with Dave Ramsey's Baby steps.

Posted: Sun Jun 20, 2010 11:45 am 

Replies: 8
Views: 2003

Pay off the highest interest rate debt first. Dave Ramsey is costing you extra money. Pay the minimum on everything and then send any extra to the highest interest rate debt next. Treat each of the student loans separately IF you pay them separately. I understand that most student loan interest is ...

 Forum: Personal Finance   Topic: Credit Card Question

 Post subject: Re: Credit Card Question
Posted: Fri Jun 18, 2010 8:09 pm 

Replies: 21
Views: 3976

Hi, I currently have a credit card with a balance of around 8000, credit limit of 16000, current APR of 14%. I have a balance transfer option via CITI that allows me to take advantage of 0% interest on this card thru March of next year. With the Balance transfer option, CITI allows me to take a &qu...
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