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Viewing profile - graphicgeek

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graphicgeek
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Joined: Mon Jun 11, 2007 6:25 am
Last visited: Tue Jun 29, 2010 10:22 am
Total posts: 120
[0.13% of all posts / 0.04 posts per day]
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Most active forum: Personal Finance
[ 74 Posts / 61.67% of user’s posts ]
Most active topic: Building a DVD Library
[ 5 Posts / 4.17% of user’s posts ]

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Location: Central New York
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Interests: Macs, Reading, Fishing, Hunting, Hanging by the water, progressive music (and other kinds)
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graphicgeek Posts

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 Forum: Personal Finance   Topic: Unusual ways to save money

Posted: Tue Jan 05, 2010 1:51 pm 

Replies: 75
Views: 33623


For your next home improvement project scour the Swap Sheet/Craigslist for your materials. Some projects are easier than others, but lots of people want decks around pools removed, windows removed, anything large and potentially costly to haul away will be put up for free. We built an entire 15 x15'...

 Forum: Personal Finance   Topic: HSA or HMO or PPO which is the overall best option??

Posted: Tue Nov 10, 2009 2:11 pm 

Replies: 15
Views: 6595


Research whether your current doctor is in network. If things were to get complicated who would he refer you to? Is that doctor in network? Is the HSA based on a PPO coverage? Our company is switching and we still get the same out of network coverage as we had in our PPO. Those are the questions I w...

 Forum: Personal Finance   Topic: Health Savings Plan?

Posted: Mon Nov 02, 2009 11:48 am 

Replies: 19
Views: 4670


The company I work for is considering switching to a HSA based PPO, so I have sat through a meeting or two on this very topic lately. Do you have to have a HDHP (high deductable health plan) in order to open a HSA? Check with your HR department naturally, but my understanding is that in order to dep...

 Forum: Personal Finance   Topic: Buying a condo for ~5 years : 25 or 35 years amortization?

Posted: Mon Nov 02, 2009 10:02 am 

Replies: 27
Views: 4933


I think you know that strictly financially speaking this may be on the edge of a sound financial move. But, all that means is you may lose a little money, and if living in this new house makes you happy, I won't question that. Thats what money is for. The only part I have a question about is : We su...

 Forum: Personal Finance   Topic: Should I stop paying?

Posted: Mon Oct 26, 2009 8:35 am 

Replies: 19
Views: 3645


You don't need the confrontation, which is what I think you are trying to avoid. Just say you are having a hard time making ends meet and you can't support them as well as you anymore. Give them two months notice so you don't seem too selfish or reactionary to the gambling allegation, and tell your ...

 Forum: Personal Finance   Topic: Buying a home with cash

Posted: Tue Oct 20, 2009 6:35 pm 

Replies: 26
Views: 3731


The only exception I can think of: unless you would be paying more in maintenance, insurance, and property taxes than you are currently paying in rent (since you don't own). My rent is $500 for a two bedroom, its awful hard to find a place that would be equal to maintenance, insurance, and property...

 Forum: Personal Finance   Topic: Buying a home with cash

Posted: Tue Oct 20, 2009 12:09 pm 

Replies: 26
Views: 3731


I hadn't thought of the savings made by not having closing costs, one more fact for the plus column.

 Forum: Personal Finance   Topic: Buying a home with cash

Posted: Tue Oct 20, 2009 11:34 am 

Replies: 26
Views: 3731


I can borrow money against a house (take out a mortgage) at 4.68% for 15 years. After taxes this money costs me 3.37% (assuming 28% bracket). I can invest the money in a high quality bond fund and earn about 5% on it. Buying the house for cash would require giving up a 5% return to "earn"...

 Forum: Personal Finance   Topic: Buying a home with cash

 Post subject: Buying a home with cash
Posted: Tue Oct 20, 2009 6:26 am 

Replies: 26
Views: 3731


If you were in the position to buy a home for cash would you? Assuming you had no debt. A sizable emergency fund (4-6 months expenses). And were fully funding your retirement fund. Would you do it? My thought was to buy a home that may need minor aesthetic improvements, nothing structural, and pay c...

 Forum: Personal Finance   Topic: Starting my First Post College Job - How is my budget?

Posted: Mon Oct 19, 2009 1:07 pm 

Replies: 16
Views: 2927


You must be the only recent graduate I know who doesn't have a cell pone. But I think you probably do. So get rid of that extra $53. That means you only have $150 dollars for irregular expenses. Or $33 a week for car maintenance, gifts, co-pays, a drink with a buddy, a trip home or to a college frie...

 Forum: Personal Finance   Topic: Planning For A Wedding

Posted: Wed Sep 16, 2009 7:15 am 

Replies: 36
Views: 13705


I think knowing who you are as a couple is important. I have known some people who have had a keg, pizza and wings at the reception. It fit them. I know someone who had a taco cart serve food. And thats after you had to sit on pillows and logs for the reception. Again it fit them. Find what fits you...

 Forum: Personal Finance   Topic: discounts on sunglasses?

Posted: Mon Sep 14, 2009 8:09 am 

Replies: 8
Views: 2066


I have always found there to be a direct correlation to the price I pay for sunglasses and the amount of time it takes for me to break them. The cheaper they are, the longer they last. I always buy a cheap pair thinking I'll replace them with something better when they break in a month or so, and th...

 Forum: Personal Finance   Topic: When it's not okay to go cheap!

Posted: Mon Aug 17, 2009 11:08 am 

Replies: 35
Views: 6881


Mattress was the first thing that came to mind. Safety devices is the second, child seats, fire alarms, carbon monoxide detectors, that sort of thing.

 Forum: Personal Development   Topic: What Sort of Job Do You Have? Also: Suggestions?

Posted: Mon Jul 20, 2009 1:00 pm 

Replies: 56
Views: 26422


"What do you do for a living? What is your career? Graphic Design actually, in house at a college How did you get there (ie, what sort of schooling)? 4-year degree, 1 year working pre-press. I am working on my fourth year at a local college, and know that if I loose this job I am screwed. And ...
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