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Viewing profile - potatoslayer

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potatoslayer
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Joined: Sat Oct 22, 2011 8:19 am
Last visited: Tue Jun 25, 2013 5:14 am
Total posts: 80
[0.09% of all posts / 0.05 posts per day]
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Most active forum: Personal Finance
[ 76 Posts / 95.00% of user’s posts ]
Most active topic: what to do with a windfall?
[ 6 Posts / 7.50% of user’s posts ]

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potatoslayer Posts

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 Forum: Personal Finance   Topic: Where do you keep your Emergency Fund?

Posted: Wed Feb 27, 2013 1:38 pm 

Replies: 17
Views: 3611


I have a checking account that pays 2.5% interest (it was 3.5% but they just lowered it.) and I have a Car Fund which is with ING/Cap1. I keep my hands off my Roth IRA's and I won't touch them unless it becomes a life or death situation. If you're looking for a higher interest rate, look into credit...

 Forum: Personal Finance   Topic: Is this a bad idea?

 Post subject: Re: Is this a bad idea?
Posted: Sat Feb 16, 2013 1:43 pm 

Replies: 4
Views: 1506


tax write off is no bargain no matter how much you look at it. Sending the bank $1 to save 25 cents in taxes is a bad deal. Knock the loan out. How big is the loan in reference to income? I had a scenario a couple years ago where my checking account paid 3.5% and my student loans were at 3.25%. Even...

 Forum: Personal Finance   Topic: Got some money to throw at the car loan, NEED SOME ADVICE!

Posted: Sat Feb 16, 2013 1:38 pm 

Replies: 10
Views: 2388


For perspective: When my wife and I were pulling ourselves out of debt I had my car die and got $600 for scrap/parts. I bought a new car for $100. That's right, a hundred bucks. It ran but it wasn't very fun at all. That's the kind of sacrifices needed to get out of debt. And let the uncomfortable-...

 Forum: Personal Finance   Topic: Got some money to throw at the car loan, NEED SOME ADVICE!

Posted: Thu Feb 14, 2013 7:36 pm 

Replies: 10
Views: 2388


If it were me I'd pay the loan off first, then try to sell. If a vehicle is paid off when you go to sell you'll have less obstacles to deal with. I haven't seen the other thread referenced, so i will check that out in a minute. May I ask where the $26k comes from? Is it an inheritance? A gift? If it...

 Forum: Personal Finance   Topic: Taking a pay cut, need some feedback

Posted: Thu Feb 14, 2013 7:30 pm 

Replies: 6
Views: 2090


We're still able to sock money away every month for two Roth IRA's, a new car, max out our 401ks, pay a little extra on the mortgage. Wait... the $3400/month is net of maxing out two 401(k)s (almost $3000/month combined)? Yeah, I would say you're doing just fine. :) whoops. We max out the match is ...

 Forum: Personal Finance   Topic: Taking a pay cut, need some feedback

Posted: Sun Feb 10, 2013 8:35 pm 

Replies: 6
Views: 2090


Thank you for the replies. We have a family membership at YMCA. It seems the best because they offer childcare while we work out, which the other local gyms didn't offer. That's been our biggest thing. I've got a nice bike and I have no trouble walking around our neighborhood but it's hard to get go...

 Forum: Personal Finance   Topic: Taking a pay cut, need some feedback

Posted: Fri Feb 08, 2013 6:44 pm 

Replies: 6
Views: 2090


Wife and I made $60k last year. Between the payroll tax holiday and we just got word that the Right-To-Work law just kicked us in the ass because the union contract where we work came up for renewal and now We're taking a decent sized pay cut. The numbers come out that we're essentially losing a mon...

 Forum: General Discussion   Topic: Bain Capital Outsourcing Jobs to China

Posted: Sat Oct 13, 2012 6:28 pm 

Replies: 25
Views: 5770


I'm sorry, but I don't think this is right. I can't stand hypocrites. Bain Capital is outsourcing jobs to China while Mitt Romney is out campaigning against jobs being shipped to China. This flat out is pissing me off. THEY TOOK THE AMERICAN FLAG DOWN and put a Chinese flag up while the workers trai...

 Forum: Personal Finance   Topic: any good budgeting software out there?

Posted: Fri Aug 31, 2012 5:07 pm 

Replies: 8
Views: 3067


mint.com

it's free and does more than Quicken. the only thing it lacks is a check register but it is able to do more tracking investments/credit/mortgage than Quicken.

I HIGHLY recommend it.

 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Mon Aug 06, 2012 6:42 pm 

Replies: 27
Views: 6283


I think this is an important point - people should think and do what works best for them. Because when people start to think for themselves, great things happen - they are empowered to think for themselves and improve their behavior in all areas of their life. It might be hard to know where to begi...

 Forum: Personal Finance   Topic: Dave Ramsey

 Post subject: Re: Dave Ramsey
Posted: Sun Aug 05, 2012 8:29 pm 

Replies: 27
Views: 6283


Dave Ramsey is a mixed bag. On one level I have a lot of respect for him. On another I despise him. I think he has a good simple system for the financially illiterate and he does inspire hope to people that have lost it. that being said I think he also exploits that feeling of 'needing help' and 'ca...

 Forum: Personal Finance   Topic: what to do with a windfall?

Posted: Thu Jul 26, 2012 12:08 pm 

Replies: 17
Views: 4176


I thought about just putting the money toward mortgage or Roth IRA when I first did that, but then it would add a significant amount of risk if something were to happen. But paying down the mortgage on your home or investing that same money is too risky for you? Is that what you're saying? I'm keep...

 Forum: Personal Finance   Topic: what to do with a windfall?

Posted: Thu Jul 26, 2012 10:35 am 

Replies: 17
Views: 4176


Bichon Frise has a point. That measly amount you are earning won't even buy a couple of happy meals each month. Did you consider the lost earnings opportunity of this $5500 if it were put in the Roth IRA? Or paid against your mortgage? Or funded to the kid's college education? You know you can buy ...

 Forum: Personal Finance   Topic: what to do with a windfall?

Posted: Thu Jul 26, 2012 7:53 am 

Replies: 17
Views: 4176


This, in my opinion, is the attitude which gets so many in trouble. Oh, let me run up some spending on a credit card, it's ok, as I have the money to pay it off. And/or, 60 months same as cash on this new truck, cha-ching. I'll have the money in 5 years to pay it off. Heaven forbid something doesn'...
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