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Viewing profile - Bearcat fan

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Bearcat fan
Joined: Fri Aug 10, 2007 1:32 pm
Last visited: Sun Jun 07, 2009 5:15 pm
Total posts: 312
[0.35% of all posts / 0.09 posts per day]
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Most active forum: Personal Finance
[ 210 Posts / 67.31% of user’s posts ]
Most active topic: The end of the credit road
[ 6 Posts / 1.92% of user’s posts ]



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Occupation: Retired
Interests: Sports

Bearcat fan Posts

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 Forum: Personal Finance   Topic: highest interest rate savings account?

Posted: Sun Jun 07, 2009 4:59 pm 

Replies: 7
Views: 1856

If you are willing to go for three years or more with a certificate at Penfed you can draw anywhere from 3 1/2 % for three years up to 4 % for five or more. Or 2% for one year.

 Forum: Personal Finance   Topic: About to close on a REFI -- new charges appear

Posted: Sat Jun 06, 2009 1:04 pm 

Replies: 7
Views: 1766

Years ago back in the 80's I had a house sold and one of the charges they hit me with was a "warehouse fee" for a few hundred bucks and when I complained and asked,,,,,,, I kind of got the same run-a-round you are having and finally a lawyer friend of mind said it is just a way to charge y...

 Forum: Personal Finance   Topic: What should I do with extra money?

Posted: Sun May 17, 2009 9:57 am 

Replies: 26
Views: 5470

If you can do the work yourself ,one investment might be in a rental or two ,some bargains out there right now.Great tax write offs.

 Forum: Personal Finance   Topic: Dave Ramsey's Take on Social Security

Posted: Sun May 17, 2009 9:53 am 

Replies: 44
Views: 11452

I bought three of Daves books and gave them to the three "sons" in the family ,not because I agree with everything he says but I do like his idea of cutting up credit cards and paying off debt.

 Forum: Personal Finance   Topic: The CD Chain. Your thoughts?

Posted: Fri Mar 27, 2009 9:48 am 

Replies: 17
Views: 4886

My wife and I did something like this a couple of years ago, she is always wanting to have funds handy in case of a crisis. And so we went to the bank every two weeks and bought a $2000 three month CD and did this what ,,,six times so that every two weeks one rolled over. And we just let it renew at...

 Forum: Personal Finance   Topic: Taxes, Taxes, Taxes...

Posted: Mon Mar 09, 2009 8:16 am 

Replies: 1
Views: 1467

It may get just a tad more complicated over the years as you begin to get property etc, but the first one can be a huge step.

 Forum: Personal Finance   Topic: Is it worth it to pick up a penny?

Posted: Sat Mar 07, 2009 11:47 am 

Replies: 18
Views: 5588

Why of course pick it up,who wants to invite bad luck !!!!!!! I was taught growing up that picking up a penny brought good luck and not picking it up invited bad luck and of course if you found and picked up 100 million pennies, you would have a million bucks ! Perhaps in different parts of the coun...

 Forum: Personal Finance   Topic: What % of your money should you have in the stock market?

Posted: Wed Mar 04, 2009 6:59 pm 

Replies: 13
Views: 3586

I have about 8% or so in the market and I buy different companies on my own. I am down as most are but my thinking is if the market continues to go down ,then my other investments should be worth more.

 Forum: Personal Finance   Topic: "Produce the note"?

Posted: Sat Feb 28, 2009 10:05 pm 

Replies: 17
Views: 5089

Here is another approach to this problem, lots of these folks bought a house at say $50,000 and then as the market went up re financed at say $75,000 and took out the equity and spend it for whatever . I saw a story of a lady who did this five times from $39,000 up to $125,000 and I suppose lived of...

 Forum: Personal Finance   Topic: "Produce the note"?

Posted: Sat Feb 28, 2009 9:12 pm 

Replies: 17
Views: 5089

"Shrug ... Lenders effectively are in this positiion already. * Borrower declares BK * Lender takes house back * Lender sells at market value minus 6% for RE agent fee So what's the difference between the judge setting it to the market value other than you don't get the satisfaction of kicking ...

 Forum: Personal Finance   Topic: Here is one for you to mull around

Posted: Sat Feb 28, 2009 8:30 am 

Replies: 2
Views: 1674

Saw a lady on TV the other night in Florida I believe who is using the "produce the note " thing to stay in her house,I could be wrong on that part of the story but here is what grabs you,she bought the house whenever for $39,000 and has refinanced 5 times bringing the note up to $125,000 ...

 Forum: Personal Finance   Topic: "Produce the note"?

Posted: Sat Feb 28, 2009 8:20 am 

Replies: 17
Views: 5089

One thing that the government is considering that is sending me off the charts is allowing a judge in bankruptcy to change the balance on a real estate note . That would be a form of stealing from one to give to another . No lender would enter into an arrangement on lending money if they had any ide...

 Forum: Personal Finance   Topic: Feeling secure while self-employed

Posted: Tue Feb 24, 2009 7:52 pm 

Replies: 13
Views: 3849

Set yourself up on a salary each week or month and pay yourself a paycheck. That is what I did most of my life so that when the good times were here I did not spend more than when the hard times came.

 Forum: Personal Finance   Topic: Can I buy 8 houses with $250,000 ??

Posted: Tue Feb 24, 2009 7:31 pm 

Replies: 13
Views: 3825

Well just how I made my living for many years ,my advice is go real slow right now, do what these folks are telling you and if you want to do this buy one but buy in a good location ,most important part of real estate is location, you will find some great buys out there in the near future but the ec...
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