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Viewing profile - Jerry

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Jerry
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Joined: Fri Apr 05, 2013 2:30 am
Last visited: Thu Jan 09, 2014 11:30 pm
Total posts: 153
[0.17% of all posts / 0.13 posts per day]
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Most active forum: Personal Finance
[ 97 Posts / 63.40% of user’s posts ]
Most active topic: My savings goals starting from 2 September 2013 - BLOG
[ 2 Posts / 1.31% of user’s posts ]

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Occupation: Participating in online forums and helping others with their financial problems.
Interests: Gardening, Photography
Website: http://www.mortgagefit.com/questions-answers/

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Jerry
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Jerry Posts

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 Forum: Personal Finance   Topic: need some direction to get started from

Posted: Tue Jan 07, 2014 11:59 pm 

Replies: 7
Views: 1037


It is good to note that you are interested in saving money and improve your personal finance. I agree with others that if you wish to save money, the most important thing that you need to consider is to look out for a good budgeting software and formulate a budget. Once you do so, you will be able t...

 Forum: Personal Development   Topic: Starting a small (micro) business - advice?

Posted: Tue Jan 07, 2014 12:00 am 

Replies: 3
Views: 2397


A market survey will be a good idea for you to know how many people/coffee shops/farmers, etc. will be interested in buying those products. And as Drew has suggested, it will be better to go for a LLC in this case.

 Forum: Success Stories   Topic: I think I might be doing okay

Posted: Wed Jan 01, 2014 10:53 pm 

Replies: 9
Views: 16909


Well, this is a successful story and also an inspiring one. It is great to note how you managed to save money for your emergency fund/savings. You should feel proud of yourself. Most people would have ended up in more debt than savings had they fell in your situation.

 Forum: Personal Finance   Topic: If my car destroys my home fence then what should i claim.

Posted: Wed Jan 01, 2014 1:19 am 

Replies: 2
Views: 997


I agree with DH. I feel it will be better to get in touch with the insurance company and check out what kind of coverage you might be able to get.

 Forum: Personal Finance   Topic: Lost my job...should I cash out my small pension?

Posted: Tue Dec 31, 2013 12:03 am 

Replies: 7
Views: 1394


Well, as far as I know, if your withdrawn tax-deferred dollars are not rolled over, then they will be taxed in the year you receive them. However, in case the funds qualify as a lump sum distribution, they may be eligible for special tax treatment. For more information, you should immediately get in...

 Forum: Tips, Tricks, Links, Pointers   Topic: Some Savings Tips

 Post subject: Re: Some Savings Tips
Posted: Mon Dec 30, 2013 12:57 am 

Replies: 2
Views: 3226


Thanks for the tips, Rick. Both the options are nice ways to save money. As far as the first tip is concerned, I am surely going to follow it.

 Forum: Personal Finance   Topic: Health savings account

 Post subject: Re: Health savings account
Posted: Wed Dec 25, 2013 10:23 pm 

Replies: 5
Views: 1082


As you want your wife to be covered, you may fall under the second category (family limit).

 Forum: Personal Finance   Topic: paying extra early vs. paying extra late

Posted: Mon Dec 23, 2013 11:46 pm 

Replies: 4
Views: 1089


I agree with DH here. You should first make sure that you pay off all the loans with higher interest rates. This will help you lower your debt burden and will encourage you to pay off all your other debts in full.

 Forum: Personal Finance   Topic: Health savings account

 Post subject: Re: Health savings account
Posted: Sun Dec 22, 2013 11:40 pm 

Replies: 5
Views: 1082


Well, as far as I know, for 2013, the limit for someone insured under a single plan is $3,250 and the family limit is $6,450.

 Forum: General Discussion   Topic: "Bill aims to stop employers from conducting credit checks"

Posted: Thu Dec 19, 2013 12:12 am 

Replies: 7
Views: 1588


If the bills passes, then many people can easily get better jobs. But I definitely agree with Tightwad that if a person cannot manage his or personal finances well, then he/she may not be responsible enough to manage his or her professional responsibilities.

 Forum: Personal Finance   Topic: How do counties assess property value for tax purposes?

Posted: Tue Dec 17, 2013 11:32 pm 

Replies: 8
Views: 1953


Well, as far as I know, the tax assessed value of the home is usually a percentage of the fair market value of the property. Most states assess homes at 80% or 90% of FMV.

 Forum: Tips, Tricks, Links, Pointers   Topic: 3 Smart Secrets to Budgeting

Posted: Mon Dec 16, 2013 11:32 pm 

Replies: 7
Views: 27144


Thanks for the tips, Cashito! Before you formulate your budget, the most important thing is to get a clear idea about your income and your expenses. This will help you in knowing whether or not you are unnecessarily spending your hard earned money. If you can stop that, then you can easily maintain ...

 Forum: Personal Finance   Topic: Auto Debt...Get Rid Of It?

Posted: Thu Dec 12, 2013 9:55 pm 

Replies: 7
Views: 2101


I personally feel that your wife has taken a good decision. I don't think it will be a bad decision to downgrade to an older car with higher miles.

 Forum: General Discussion   Topic: Help free loading off older parent

Posted: Wed Dec 11, 2013 10:54 pm 

Replies: 4
Views: 1725


I agree with Tightwad. As the card is in your father's name, he will have to take steps in this regard. He will have to file charges against the in-law. Moreover, I guess, it will be difficult for you to remove the charges under your father's account and apply it on the account of the in-law.
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