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It is currently Sun Sep 25, 2016 3:34 pm

Viewing profile - Guitar Salad

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Guitar Salad
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Joined: Sun Jul 15, 2007 7:54 pm
Last visited: Thu Sep 15, 2016 4:27 pm
Total posts: 30
[0.03% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 26 Posts / 86.67% of user’s posts ]
Most active topic: Student Loan Interest vs. Principal
[ 3 Posts / 10.00% of user’s posts ]



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Location: Phoenix, AZ


Student loans of approx 50k. Taking those bad boys out is the name of the game.

Guitar Salad Posts

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 Forum: Personal Finance   Topic: We made a rather late payment on a credit card.

Posted: Sat Apr 02, 2016 7:14 pm 

Replies: 2
Views: 1818

Hi, My wife and I wound up going past 30 days late on our Lowe's credit card. We didn't do this because we can't pay our bills. It happened because we straight-up forgot to pay it. (And the way we handle bills is going to change significantly because of this, as well.) The only reason we noticed it ...

 Forum: Personal Finance   Topic: Student loan question

 Post subject: Re: Student loan question
Posted: Mon Sep 15, 2014 2:02 pm 

Replies: 10
Views: 2472

I have some student loans that are serviced by Great Lakes as well. I haven't tried to split my Stafford loans (or any others apart), but I have tried to make payments to specific loans with some difficulty. Right when my loans went into repayment, I started tracking down the account numbers so that...

 Forum: Personal Finance   Topic: Law School Debt, Best Way To Approach?

Posted: Wed Jul 16, 2014 8:08 am 

Replies: 11
Views: 1929

I don't know enough about student loans to take a shot at #1. On #2, you've seen varying advice because there isn't a one-size-fits-all rule in this area. I'm assuming that you don't have access to any type of retirement savings "match", as you've said that you're in a private law practic...

 Forum: Personal Finance   Topic: Car Buying Advice Needed

Posted: Tue Apr 22, 2014 7:40 am 

Replies: 14
Views: 1378

It is a 2009 Mazda 3 with 87k miles. I put on about 25k annually. I bought it new and so car its been great but i get nervious with cars over 100k. In the past i have always bought used cars which all started falling appart as they neared 100k. This is the first car i have had that has been solid. ...

 Forum: Personal Finance   Topic: Inherited real estate question

Posted: Mon Apr 14, 2014 10:41 am 

Replies: 4
Views: 995

BTW if they didn't have wills or update those wills to indicate that they want you to have that house, you are probably SOL. I'll definitely look into this at some point with a lawyer. There is definitely some kind of will, but I haven't read it to confirm what my dad told me. Thanks for the tips.

 Forum: Personal Finance   Topic: Inherited real estate question

Posted: Mon Apr 07, 2014 2:21 pm 

Replies: 4
Views: 995

I know there are several of you on this board that have experience with real estate, so I wanted to ask about a pending and inevitable situation regarding inheriting a house. I am the second-eldest of 3 grandchildren on my dad's side of the family. His parents (my grandparents) have always maintaine...

 Forum: Personal Development   Topic: Update to an old post - And Help Please!

Posted: Mon Mar 10, 2014 1:14 pm 

Replies: 6
Views: 2840

Brenda, I'm not sure how I missed this post a month ago as I've been lurking on these forums more frequently since, coincidentally, finishing my master's degree in accounting this past May. I don't remember specifically reading your first post but it feels really familiar, and I was reading these bo...

 Forum: Personal Finance   Topic: Cheap glasses?

 Post subject: Re: Cheap glasses?
Posted: Wed Nov 06, 2013 11:24 am 

Replies: 14
Views: 3721

I second SpaceAssassin. Warby Parker is cheap and great.

 Forum: Personal Finance   Topic: Student Loan Interest vs. Principal

Posted: Thu Nov 08, 2012 10:03 pm 

Replies: 11
Views: 2339

I think it's a deduction, not a credit. So you'd "get back" 25% of it (or whatever your top tax rate is) Oof. You're right. I thought it was a credit. The fact that it's a deduction makes the benefit that much smaller. That makes my decision a little less complicated as I'm not getting a ...

 Forum: Personal Finance   Topic: Student Loan Interest vs. Principal

Posted: Mon Nov 05, 2012 8:18 pm 

Replies: 11
Views: 2339

I guess I should have said why I can repay part of the principal on the loan. It's because it (or a large part of it) was disbursed in the last 120 days (the beginning of the current semester). I wouldn't even have known that was possible if the loan servicer hadn't advised me of that. I'm specifica...

 Forum: Personal Finance   Topic: Student Loan Interest vs. Principal

Posted: Sun Nov 04, 2012 9:35 pm 

Replies: 11
Views: 2339

Hi, It's been about two years since I've been here. I had just taken out a 0% loan on a new car after my old one was totaled in a hail storm, and wasn't feeling too pleased with myself. About six month after that (June 2011), I was laid off from my job. I wasn't really broken up about losing my job ...

 Forum: Personal Finance   Topic: Fell off the debt free wagon...

Posted: Tue Oct 12, 2010 8:10 am 

Replies: 38
Views: 6188

You are right. I was under no obligation to make a claim, but it was not just a few dents. There were several hundred, and that is not an underestimate. The value of the car would have been near $0 from any buyer in its condition after the storm, and I was being offered a check for over $8000. What ...

 Forum: Personal Finance   Topic: Fell off the debt free wagon...

Posted: Mon Oct 11, 2010 3:51 pm 

Replies: 38
Views: 6188

Well, I had been debt free for nearly a year until last week. I was driving to a class that I am taking in the west valley near Phoenix, AZ. I was stuck in traffic, and mother nature decided to unleash a hail storm on me. I had 80% or more of my car covered in dents from the golf-ball sized hail. My...

 Forum: Personal Finance   Topic: Changing a credit card?

 Post subject: Changing a credit card?
Posted: Sat Jun 12, 2010 6:49 pm 

Replies: 5
Views: 2691

I have a question about my credit card. I have a card that I was offered by my bank about four years ago after I graduated from college. My interest rate on this card is 13.24% with a limit of $3000. What I'm trying to figure out is how to go about having something with different rewards without sig...
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