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Viewing profile - DenjinLee

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DenjinLee
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Joined: Sun Apr 29, 2012 12:54 am
Last visited: Fri Sep 14, 2012 9:01 am
Total posts: 18
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 18 Posts / 100.00% of user’s posts ]
Most active topic: Need financial inspiration
[ 18 Posts / 100.00% of user’s posts ]

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DenjinLee Posts

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 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Wed Sep 12, 2012 1:52 pm 

Replies: 64
Views: 10486


The standard forms every lender uses require that there be no material changes to your credit between approval and closing. A major purchase is a material change. They probably did not tell you not to quit your job or commit a felony either but those would also be material changes. They don't have ...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Tue Sep 11, 2012 6:08 pm 

Replies: 64
Views: 10486


I'm going to try to say this as nicely as possible: You seem to be painting yourself as a victim for everything. - A victim of predatory lending in the first place - A victim of a real estate agent - A victim of circumstances with the car breakdown - A victim of fraud etc. etc. Now, you might just ...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Tue Sep 11, 2012 1:17 pm 

Replies: 64
Views: 10486


Bichon and DoingHomework: You guys are right, it wouldn't have been logical to do that. So i'll get the credit card paid off in a few days. Hopefully my debit card will be here by then. Bichon as for the refinance, I've touched on it a little here in this thread. So here's the rundown: 1. I was a vi...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Mon Sep 10, 2012 10:41 am 

Replies: 64
Views: 10486


Darn bots :D Well good news folks. I was reimbursed the money that was fraudulently taken from my account. Getting a new check card soon. The bad news is that I've had to use my Credit Card in place of my Debit Card since I had to cut it off. Also had to use some of my money market account to fund m...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Thu Aug 30, 2012 6:43 pm 

Replies: 64
Views: 10486


Eagle thanks. After posting here and talking it over with my wife I've decided to move both accounts to my rollover IRA. I'll have 41K in there. The rep advised that I can take out money from the IRA and not have to worry about fees provided that I pay the amount back within 60 days. Well guys here ...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Sat Aug 25, 2012 7:54 am 

Replies: 64
Views: 10486


Time to update again. I paid another 1630.00 towards the first car payment and its now at 16,487.06. Still on track to reach my goal of bringing down the total to 10K by the end of the year. I've decided that I'm going to pull out part of my 401K to pay it off. I have two 401K investments that I can...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Thu Aug 09, 2012 11:51 am 

Replies: 64
Views: 10486


I would NOT reduce my emergency savings, if that is what you are asking. A $1000 may get you out of a bind, but probably won't get you out of 2 in a row. We all sleep differently, and I carry more cash than most people make in a year (probably more than they make in 2 years). I could not sleep with...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Fri Aug 03, 2012 6:30 am 

Replies: 64
Views: 10486


Well my wife is out of town now, but I'm sure it had more to do with her family. My in-laws expressed their disappointment when she advised that she probably wouldn't be coming. When that happened she advised that this was a once in a lifetime thing possibly among other things. I don't mind that she...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Tue Jul 31, 2012 9:04 am 

Replies: 64
Views: 10486


Well it's been a few days and just wanted to update. My wife and I have been talking a lot about the finances lately and we realize that we need to cut back in some areas. For the past two weeks i've been packing a lunch which is awesome. I also have been spending a little less at the grocery store ...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Thu Jul 26, 2012 12:26 pm 

Replies: 64
Views: 10486


1. Make the Resolution: Spend less than you make. This is a tough one. Spending more money than you earn is common practice in the U.S., and increasingly in other countries around the world. Spending less than I make is something that i'm definitely taking note of at this time. 2. e have been debt ...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Thu Jul 26, 2012 11:41 am 

Replies: 64
Views: 10486


Here's the breakdown as of today: Item Amount Owed Interest Car 1 : 20,438.42 1.9 Car 2 : 21,305.50 4.4 Home: 344,023.00 7.25 Accounts Amount Money Market 6576.56 Checking 2595.66 Information requested is: Ages: 34 Kids: 2 long term goals: To make 150K within the next 4 years and to retire when we ...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Tue Jul 24, 2012 5:33 pm 

Replies: 64
Views: 10486


Since you spent $20 - $30 on books today, I would suggest you download those credit card statements and review them with your wife tonight (or within the next few days). It is eye opening to see how much you spent eating out, or how much your wife spent on clothes for the kids, or how much you spen...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Tue Jul 24, 2012 12:13 pm 

Replies: 64
Views: 10486


You haven't given us much to go on yet, but just from what you've posted, my initial reaction is that you've got waaaay too much money tied up in cars. Either one of your cars seem extravagant. Do you really need two expensive cars, if your wife is a SAHM? Other information that would be helpful wo...

 Forum: Personal Finance   Topic: Need financial inspiration

Posted: Tue Jul 24, 2012 11:52 am 

Replies: 64
Views: 10486


Tightwad wrote:
Yes, quite a few. My personal favorite for individual stock picking is The Intelligent Investor by Ben Graham. Or if you're interested in index funds anything by Jack Bogle should do.


Thanks for the info Tightwad. I'll look into it.
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