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Viewing profile - Rewind

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Joined: Mon Mar 05, 2012 4:48 am
Last visited: Sun Mar 11, 2012 9:44 am
Total posts: 12
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 12 Posts / 100.00% of user’s posts ]
Most active topic: Where Should House Down Payment Money Be Kept
[ 3 Posts / 25.00% of user’s posts ]

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 Forum: Personal Finance   Topic: Intro offers -- credit cards and bank accounts

Posted: Wed Mar 07, 2012 5:14 am 

Replies: 6
Views: 1334


I'm most interested in the 3.5% return on checking. I'm getting less than 1% on mine!

I roll through credit cards for airline miles. You can check the forums at flyertalk(dot)com
for the latest and greatest info.

 Forum: Personal Finance   Topic: Recent college graduate needs financial advice

Posted: Tue Mar 06, 2012 6:37 pm 

Replies: 4
Views: 1105


Get rid of the car! I agree. Your car payment is way too high a percentage of your income. Unless you can reasonably predict a big jump in monthly income in the next 2-3 months, dump the car. I was once in your situation, many years ago - burdened with a car payment too big for my wallet. I was ups...

 Forum: Personal Finance   Topic: Where Should House Down Payment Money Be Kept

Posted: Tue Mar 06, 2012 10:43 am 

Replies: 5
Views: 1333


Heh, wishing I had pulled it all yesterday. :cry: Yes, that's why it shouldn't be in equities or bonds. You're right, of course, but it was a fairly tight window. We decided on Friday to move and then determined where we would pull the money for the down payment. I could have pulled it from the mar...

 Forum: Personal Finance   Topic: Where Should House Down Payment Money Be Kept

Posted: Tue Mar 06, 2012 9:58 am 

Replies: 5
Views: 1333


Heh, wishing I had pulled it all yesterday. :cry:

brad wrote:
I'd keep it all in a high-interest savings account.

These still exist somewhere?

 Forum: Personal Finance   Topic: Where Should House Down Payment Money Be Kept

Posted: Tue Mar 06, 2012 4:24 am 

Replies: 5
Views: 1333


I am pretty sure I know the answer to this, but I want to reality-check my thinking. We recently decided to move and are actively looking for a new primary residence in the same area we currently live. I expect to be closing in 2-5 months. The money for the down payment is currently in mutual funds ...

 Forum: Personal Finance   Topic: Looking for advice on closing credit cards and credit scores

Posted: Mon Mar 05, 2012 9:33 am 

Replies: 6
Views: 1413


My understanding is that your credit score is better off by leaving accounts open, even if they are unused. (Except in rare cases that do not apply to you.) Others may have more detailed information. I have about 10 credit cards, btw, but I only have a balance on one and I never pay interest. My cre...

 Forum: Personal Finance   Topic: Looking for advice on closing credit cards and credit scores

Posted: Mon Mar 05, 2012 7:50 am 

Replies: 6
Views: 1413


Wikipedia gives a nice breakdown on credit scoring. Counter-intuitively, closing credit card accounts can hurt your credit score for two reasons: 1. Because it lowers the ratio of debt to available credit 2. It may reduce your length of credit history Applying for new credit cards CAN hurt your sco...

 Forum: Personal Finance   Topic: Managing a Father-in-Law's Affairs

Posted: Mon Mar 05, 2012 7:12 am 

Replies: 4
Views: 1313


My F-I-L is 75, drinks himself into a stupor every night, and has symptoms of Asperger's Syndrome. He still lives on his own (his wife divorced him 20 years ago). He owns 12 residential properties in his town and nets about $4K monthly from the rents. The properties are worth about $2M and he has ab...

 Forum: Personal Finance   Topic: Savings as a Percentage of Gross Income

Posted: Mon Mar 05, 2012 5:54 am 

Replies: 16
Views: 2668


My AGI for 2011 was in the top 1% (I'm with bgpui, I'll keep it vague). I invest roughly 20% in retirement and taxable accounts. This decreased recently when I received a large and unexpected inheritance that put me over 'my number' for retirement savings. I had been at about 35%.

 Forum: Personal Finance   Topic: What are my next goals?

 Post subject: Re: What are my next goals?
Posted: Mon Mar 05, 2012 5:24 am 

Replies: 70
Views: 6970


I'd like to counter tylerdurden on a few points, just so people reading still see both sides of the argument... Selling covered calls makes you the patsy at the poker table. I sell covered calls and cash-secured puts regularly and profitably. Ialso play a significant amount of poker, and the patsy ...

 Forum: Personal Finance   Topic: Understanding options chain for covered call

Posted: Mon Mar 05, 2012 5:01 am 

Replies: 1
Views: 1006


If you look at the last number (21) that indicates the open interest in that particular covered call option. Open interest is the total number of option contracts currently in circulation for RMBS calls with a strike of 21 expiring in May 2012. 21 is a very low number, indicating there isn't much in...
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