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Viewing profile - ecouls1

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ecouls1
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Joined: Tue Aug 21, 2007 10:15 am
Last visited: Thu Mar 21, 2013 4:58 am
Total posts: 22
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 14 Posts / 63.64% of user’s posts ]
Most active topic: Need advice for a fraudulent debit card charge....
[ 5 Posts / 22.73% of user’s posts ]

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ecouls1 Posts

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 Forum: Personal Finance   Topic: CD Ladder calculator/model

Posted: Fri Nov 06, 2009 1:44 pm 

Replies: 4
Views: 3658


Are you a statistician? :) How do you specify the probability of an emergency arising that requires you to cash out a CD? I think most simply, I was just asking if someone had the skills to build a spreadsheet model of Flexo's CD ladder. But to respond to a few of your points: Concerning liquidity, ...

 Forum: Personal Finance   Topic: CD Ladder calculator/model

 Post subject: CD Ladder calculator/model
Posted: Fri Nov 06, 2009 11:37 am 

Replies: 4
Views: 3658


Can anyone point me to an online calculator or, even better, share a custom built spreadsheet, that serves as an extensive calculator/model of a CD ladder? Not just a simple one that only tells me how much interest I'll earn by putting X amount in an X month CD. I'm talking about a model of a CD lad...

 Forum: Personal Finance   Topic: INGdirect CDs

 Post subject: INGdirect CDs
Posted: Thu Nov 06, 2008 5:31 pm 

Replies: 1
Views: 1524


To the ING customers on the boards, Does anyone know if you must sign up for an ING online savings account or Electric Orange checking account in order to open a CD through them? Also, can you use referral bonuses when opening a CD (or even better, receive a bonus by using a referral)? Or are referr...

 Forum: Personal Finance   Topic: do i need my roth & simple IRAs?

Posted: Fri Jun 06, 2008 5:52 am 

Replies: 1
Views: 1587


I think you're doing the right thing. I have the same sort of Roth IRA through T. Rowe Price (but that's not why I think you're on the right track). As long as you're working and earning income sufficient to meet the requirements to contribute to a Roth IRA, you should, as that's one of the best typ...

 Forum: Personal Finance   Topic: Are you saving money by not running your A/C yet?

Posted: Thu Jun 05, 2008 5:30 am 

Replies: 30
Views: 10508


Interesting everyone! Thanks. Drawing all the shades and curtains in the house to keep out the hot sun is a smart tactic discussed many times. It's kind of sad though. the spring and summer days can be so beautiful and sunny, everyone feels great to be alive, the birds are singing, etc, but to save ...

 Forum: Personal Finance   Topic: Are you saving money by not running your A/C yet?

Posted: Wed Jun 04, 2008 11:49 am 

Replies: 30
Views: 10508


Every year, the wife and I vow to not run the A/C in the house until at least June 1 in order to save on the electricity bill (we go longer as long as we can stand it). Here in the suburbs of Baltimore, it's not too terribly difficult to do it although we've found there are usually 1 or 2 somewhat u...

 Forum: Personal Finance   Topic: Need advice for a fraudulent debit card charge....

Posted: Mon Jan 28, 2008 8:34 am 

Replies: 9
Views: 4266


So far, so good. Upon checking the account online this morning, the refunded money is processing and should clear my account and be available tomorrow. Perfect timing too. Mortgage is due. :) Also, I'll be filling out a police report on Thursday. Just to satisfy my curiosity about what may happen. T...

 Forum: Personal Finance   Topic: Need advice for a fraudulent debit card charge....

Posted: Fri Jan 25, 2008 7:58 am 

Replies: 9
Views: 4266


Well thank you very much. That was very thorough and detailed and I appreciate it immensely.

 Forum: Personal Finance   Topic: Need advice for a fraudulent debit card charge....

Posted: Thu Jan 24, 2008 12:18 pm 

Replies: 9
Views: 4266


It's MasterCard. But I'll search their site for something similar. Thanks for the tip.

 Forum: Personal Finance   Topic: Need advice for a fraudulent debit card charge....

Posted: Thu Jan 24, 2008 12:17 pm 

Replies: 9
Views: 4266


Yeah, the bank's been notified. Did that when I called them to cancel the card.

I think you're suggesting I have this debt collection agency fax/mail me something on official letter head that states the name of the thief and the particulars of the fraudulent charge. Great idea. I'll do that.

 Forum: Personal Finance   Topic: Need advice for a fraudulent debit card charge....

Posted: Thu Jan 24, 2008 12:06 pm 

Replies: 9
Views: 4266


Any one have any comments? Here's the back story. This morning, as all mornings, I logged in to my brick and mortar bank's website to check my checking account balance/activity. There I see a fraudulent $575.00 debit card charge from an Alliance Asset Manangement something or other in Illinois. Long...

 Forum: Success Stories   Topic: Surviving Post-Divorce Poverty

Posted: Wed Oct 17, 2007 1:59 pm 

Replies: 7
Views: 15318


Wow! What a story. As the they say in the "land down under," good on ya mate!!

 Forum: Success Stories   Topic: The gradual crawl to debt freedom

Posted: Wed Oct 17, 2007 9:49 am 

Replies: 0
Views: 2952


My young family's financial success is small so far but our goals and planning will lead ever so gradually to more and more successes. The overriding goal is to be debt free so that my wife can quit her job to be a stay at home mother to our two girls. With no consumer debt and a house that's paid f...

 Forum: Personal Finance   Topic: ISO: pf niche

Posted: Fri Sep 07, 2007 12:51 pm 

Replies: 4
Views: 3412


I too am interested in such. I'm anxious to see what replies you get. I have 2 little ones myself. Trent's Simple Dollar is also a fave of mine.
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