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Viewing profile - Fiscal Fizzle

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Fiscal Fizzle
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Joined: Wed Apr 15, 2009 3:42 pm
Last visited: Mon Jul 09, 2012 11:01 am
Total posts: 34
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 28 Posts / 82.35% of user’s posts ]
Most active topic: Healthy College Eating
[ 2 Posts / 5.88% of user’s posts ]



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Location: SW Florida
Website: http://www.fiscalfizzle.com


Wojciech Kulicki
Fiscal Fizzle, Personal Finance Blog

Fiscal Fizzle Posts

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 Forum: Personal Finance   Topic: Overpaying credit card to increase limit?

Posted: Fri Jul 30, 2010 10:29 am 

Replies: 14
Views: 3078

Banks love it when you pay for things with a credit card. They pay you 2% but charge the merchant (or in this case, school) 3%. Very true! (Although the risk of this particular $12K transaction might still outweigh the potential benefits for them). This seems like a lot of effort for a small reward...

 Forum: Personal Finance   Topic: starting a non-profit

 Post subject: Re: starting a non-profit
Posted: Fri Jul 30, 2010 10:26 am 

Replies: 11
Views: 3253

We looked at starting a non-profit a few months ago for a project my niece was working on. We basically ran into a brick wall with the amount of money it would take to manage the books, file the required paperwork initially and every year thereafter, etc. Our lawyer told us there were ways to do the...

 Forum: Personal Finance   Topic: Overpaying credit card to increase limit?

Posted: Tue Jul 27, 2010 7:03 pm 

Replies: 14
Views: 3078

Your bank, unfortunately, has no interest in raising your limit that high because a. they don't want to do you a favor just so they can pay out rewards and b. they have no guarantee that you'll actually repay like you say. So your overpayment idea is probably the only way. I've overpaid cards before...

 Forum: Personal Finance   Topic: ATM

 Post subject: Re: ATM
Posted: Sun Jul 25, 2010 11:45 am 

Replies: 4
Views: 960

I am thrilled they finally put this feature in. No more deposit slips, no more trying to find envelopes, having to add up all my check amounts, and punch in the totals in the ATM. It really makes ATM deposits a snap.

 Forum: Personal Finance   Topic: Online PF Tools - Goodbye Wesabe

Posted: Thu Jul 22, 2010 4:56 am 

Replies: 4
Views: 1175

Anyone know of any sites that offer that? Or does mint allow this and I'm just not finding it. I only have 10 days left to make the switch! Mint offers this under Add Accounts --> Other --> Money (or Debt) --> Cash (Positive) for Cash and a similar funnel for other manual things. However, I'm prett...

 Forum: Personal Finance   Topic: Is an Emergency Fund always necessary?

Posted: Wed Jul 21, 2010 4:44 am 

Replies: 18
Views: 3157

The current economy has unfortunately taught me that anything is possible, hence to expect the unexpected. That's exactly what I use my E-fund for. I second the opinions above that an E-fund is for much more than a job loss. But another thing to consider is that nothing is "guaranteed," ev...

 Forum: Personal Finance   Topic: Personal Finance Book(s) Recommendation: High School Senior

Posted: Tue Jul 20, 2010 4:00 pm 

Replies: 4
Views: 1031

Kiplinger offers a short list here . My personal favorite includes Your Money or Your Life, though 17 might be a bit early for that message. Give Me, Get Me, Buy Me is a good one for a parent's perspective, but seeing something from a different angle might teach your cousin about his own situation (...

 Forum: Personal Finance   Topic: Online PF Tools - Goodbye Wesabe

Posted: Tue Jul 20, 2010 3:54 pm 

Replies: 4
Views: 1175

Mint is probably the most popular and widely used, and will likely get the most technical support for the foreseeable future. It's a great basic manager for everyday finances. I'm not sure what you're looking for in terms of migrating (i.e. what kind of format you can export from Wesabe, or if you w...

 Forum: Personal Finance   Topic: ATM

 Post subject: Re: ATM
Posted: Tue Jul 20, 2010 3:43 pm 

Replies: 4
Views: 904

Typically, you can be charged two fees: 1. A fee by the operator of the ATM you're using. 2. A fee by your own bank for using someone else's ATM. Banks are now offering one of two things: 1. "We won't charge you ATM fees," which pertains to type #2. You might still be charged by the ATM ow...

 Forum: Personal Finance   Topic: Ring insurance

 Post subject: Re: Ring insurance
Posted: Sat Feb 20, 2010 7:13 am 

Replies: 44
Views: 5139

I bought an engagement ring for my now-wife about 2 years ago. She is prone to losing things/leaving them places, so I knew insurance on such a big purchase was a must. We use Chubbs (a few people above mentioned it) and have been very pleased. The policy is pennies on the dollar (about 2% of the va...

 Forum: Tips, Tricks, Links, Pointers   Topic: Selling stuff

 Post subject: Re: Selling stuff
Posted: Sat Feb 20, 2010 7:04 am 

Replies: 14
Views: 12150

I have done a lot of selling on eBay (for the things that went for any decent amount of money). The rest we usually donate...

To echo the above comment though, I have heard awesome things about Craigslist. People have sold cars and furniture in under 4 hours...

 Forum: Tips, Tricks, Links, Pointers   Topic: How have you simpilifed your personal finances?

Posted: Sat Feb 20, 2010 6:58 am 

Replies: 28
Views: 18493

The primary thing we did to simplify was to consolidate all of our accounts--both in number and in location. We went from three checking accounts to one, from 3 investments accounts to one, etc...and we also brought everything together under the umbrella of one bank, and one brokerage. Some other th...

 Forum: News & Announcements   Topic: Should I blame the 80's?

Posted: Sun Jan 31, 2010 4:43 pm 

Replies: 1
Views: 6884

It's never too late to get started on turning things around! Unfortunately, there are people in their 60's and 70's getting divorced or losing their loved ones, and discovering that they have to start over financially.

Your story and others like you keeps US inspired! :) Thanks for sharing!

 Forum: Personal Finance   Topic: What to do with my tax refund?

Posted: Sun Jan 31, 2010 4:33 pm 

Replies: 3
Views: 1125

Sounds like you're well on your way to financial success! A sizable emergency fund and regular deposits to retirement savings are a good foundation. The good thing is--no matter what savings goal you ultimately choose to contribute to, you're still saving money! My suggestion, based on what I am kin...
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