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Viewing profile - mallow

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mallow
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Joined: Fri Aug 31, 2007 7:48 am
Last visited: Fri May 08, 2009 11:06 am
Total posts: 286
[0.32% of all posts / 0.09 posts per day]
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Most active forum: Personal Finance
[ 238 Posts / 83.22% of user’s posts ]
Most active topic: Is car debt always bad?
[ 6 Posts / 2.10% of user’s posts ]

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mallow Posts

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 Forum: Personal Finance   Topic: Credit Card Quandary

Posted: Fri May 08, 2009 1:52 pm 

Replies: 15
Views: 3865


Just to clarify, I think Dave Ramsey is a muppet, but there are some things where I agree with him (debt free, not worrying about the minutiae of credit scores). dshibb clearly cares a lot about his credit score. I recommend that you don't care so much. As long as you can sit down with a person to l...

 Forum: Personal Finance   Topic: Any Suggestions?

Posted: Sat Apr 25, 2009 11:58 pm 

Replies: 9
Views: 2704


How do you choose who to lend to wisely?

 Forum: Personal Finance   Topic: Selling a Car Without Getting Ripped Off...

Posted: Tue Apr 21, 2009 3:48 pm 

Replies: 21
Views: 6457


Going to the bank with the guy and see him actually buy the cashier's check would make sure the cashier's check is not counterfeit, which is mostly how a cashier's check fraud works. Going with the guy to cash the check wouldn't do anything because cashier's checks clear and then take weeks to actua...

 Forum: Personal Finance   Topic: Selling a Car Without Getting Ripped Off...

Posted: Tue Apr 21, 2009 2:36 pm 

Replies: 21
Views: 6457


It's actually as easy to pull of fraud with a cashier's check as it is with a personal check. There are professional scammers who scan ads looking for targets in larger cities. To those who think the OP is being paranoid, why even take a chance with a car? Even if the odds are low that you will be s...

 Forum: Personal Finance   Topic: How much for your principles?

Posted: Thu Apr 16, 2009 10:20 am 

Replies: 7
Views: 2552


What is the price of my principles? Priceless. I don't see this as a money vs principles situation, though. This is a pure and simple value question. Obviously the gym you are at now is not worth the money you are paying, whereas paying a little bit more will get you an enjoyable gym. A gym membersh...

 Forum: Personal Finance   Topic: How does your emergency fund look?

Posted: Wed Apr 15, 2009 4:07 pm 

Replies: 45
Views: 11680


6 months food shelter utilities, I bike for transportation. I guess I should include burritos for my fuel costs.

I have another 9 months in a car/house savings account in case I somehow need more.

 Forum: Personal Finance   Topic: 21 Years Old, Unique Situation

Posted: Sat Apr 11, 2009 12:22 pm 

Replies: 8
Views: 2881


No rent/mortgage? I'd challenge you to live off of 25% of your paycheck, including $350 a month for food. I have a similar income to you and was "able" to live off 50% of my paycheck last year with $650 in rent while splurging like I've never done before, buying luxuries like an HD TV, bik...

 Forum: Personal Finance   Topic: Buying a car, cash or credit?

Posted: Sat Apr 11, 2009 12:27 am 

Replies: 15
Views: 4671


My opinion: pay cash for the car also for home. It doesn't make sense to put 20% down only to get deep into hundreds of thousands of dollars in debt on a house, which is probably the worst debt you can have. Instead of getting a mortgage, purchase something like an RV in cash. Continue saving, then...

 Forum: Personal Finance   Topic: Is Quicken Online supposed to be this... useless?

Posted: Mon Apr 06, 2009 9:15 pm 

Replies: 1
Views: 1163


There are other tabs. Transactions will show you transactions, etc. The homepage gives you a big picture, what is meaningful to you, dashboard type info.

 Forum: Personal Finance   Topic: Budgeting and Rewards Checking - A Conundrum - Help?!?!

Posted: Thu Apr 02, 2009 4:25 pm 

Replies: 4
Views: 2096


You can move all your money to a rewards checking account, switch to cash only and use the envelope system weekly.

If I were you, I'd calculate the difference between doing that and the status quo. Then ask yourself if it's worth the hassle.

 Forum: Personal Finance   Topic: How to get a guaranteed 8%+ after-tax return

Posted: Tue Mar 31, 2009 11:44 pm 

Replies: 7
Views: 2287


What happens if you pay 144.63 extra on your mortgage every month?

 Forum: Personal Finance   Topic: Car Paid Off, Now What?

Posted: Wed Mar 25, 2009 3:59 pm 

Replies: 12
Views: 3715


Wow, 400 a month in repairs? I don't know anyone that pays $400 a month average on their car. Edmund's true cost of ownership puts the average maintenance/repair cost over 5 years for an 04 Mazda3 at $133 a month. Might want to think about getting a more reliable car if it's costing you $400 a month...

 Forum: Personal Finance   Topic: Car Paid Off, Now What?

Posted: Wed Mar 25, 2009 10:48 am 

Replies: 12
Views: 3715


Another good question is, how much do you have in pure savings (not invested), not including your emergency fund (assuming you have one)? I have a separate savings account labeled Large Purchases that I throw all my extra money into as often as I can. I don't have a car and I don't plan on buying on...

 Forum: Personal Finance   Topic: 32 years old w/ 300k in savings

Posted: Tue Mar 24, 2009 11:57 pm 

Replies: 47
Views: 12716


I see I got suckered, this cannot possibly be serious. Well played, well played.
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