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It is currently Wed Sep 28, 2016 5:01 am

Viewing profile - tcstone

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User statistics

Joined: Wed Oct 24, 2007 6:09 am
Last visited: Mon Jan 31, 2011 12:56 pm
Total posts: 20
[0.02% of all posts / 0.01 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 14 Posts / 70.00% of user’s posts ]
Most active topic: Where to put money - mortgage or savings?
[ 2 Posts / 10.00% of user’s posts ]



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Location: Oklahoma

tcstone Posts

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 Forum: General Discussion   Topic: How much do YOU spend on power?

Posted: Fri Sep 12, 2008 5:51 am 

Replies: 14
Views: 5482

We spend around $200 a month on Electricity and Gas.

 Forum: Personal Development   Topic: Finance and Marriage

Posted: Thu Sep 04, 2008 6:39 am 

Replies: 16
Views: 11412

I think you are focusing on the negative. Marriage has some good points too. 1. Married men have a longer life span. 2. You have someone to share your joys and sorrows with. 3. You don't have to do all the house work yourself :D 4. The two of you can pool your resources (both work, one work while on...

 Forum: General Discussion   Topic: Free Credit Reports

Posted: Wed Sep 03, 2008 11:27 am 

Replies: 1
Views: 2511


 Forum: Personal Finance   Topic: 401K vs. Home Down Payment?

Posted: Thu Jul 31, 2008 6:37 am 

Replies: 17
Views: 6832

Is it 5K each or 5k total?

It is 5k total.

 Forum: General Discussion   Topic: getting paid weekly, bi-weekly, or monthly

Posted: Fri Jul 18, 2008 10:16 am 

Replies: 19
Views: 12873

It all comes down to budgetting correctly. My wife's old job paid monthly and she loved it. She just planned all her spending based on the check she got on the first. Personally I would not like it. I don't want to wait for 30 days to get paid. I am currently paid Bi-weekly, but treat it like being ...

 Forum: Personal Finance   Topic: Where to put money - mortgage or savings?

Posted: Tue Jul 08, 2008 6:29 am 

Replies: 14
Views: 4822

It is true that you will make more by leaving it in the ING account until the 1st, but lets look at the math. Your mortgage payment is mostly likely calculated once a month so you don't save anything by paying early. Assuming your payment is $1000 (to make the math easy), then you have $1000 earning...

 Forum: Personal Finance   Topic: Where to put money - mortgage or savings?

Posted: Mon Jul 07, 2008 7:01 am 

Replies: 14
Views: 4822

I would pay the mortgage now.

 Forum: General Discussion   Topic: What is your savings rate?

Posted: Wed Apr 23, 2008 7:24 am 

Replies: 68
Views: 30903

The government has been running budget deficits for pretty much the past half century. That's two generations of Americans who grew up under a government that spends more than it takes in. And there have been relatively little economic down time in America during that span. I don't think people are...

 Forum: Personal Finance   Topic: Keeping a Phone Line for the Sake of an Alarm System -Help!!

Posted: Wed Apr 16, 2008 10:55 am 

Replies: 10
Views: 3803

why don't you look into an internet based phone company. Your alarm system will still work, but you should get a cheaper rate.

 Forum: Personal Finance   Topic: Should I stop 401(k) contributions to pay off CC debt?

Posted: Thu Apr 03, 2008 1:31 pm 

Replies: 19
Views: 7225

You didn't give us a lot of information but based on what I read, I think you should continue to contribute to your 401k and find a way to make some extra money to gain traction. But if you decide to stop contibuting for a short period of time (less than 2 years), it won't have a huge impact on your...

 Forum: Personal Finance   Topic: 401k v's paying off debt

Posted: Tue Mar 18, 2008 11:26 am 

Replies: 12
Views: 6186

I don't think this is a good idea. When you take money out of your 401k, you will be hit with a 10% penalty, plus you will have to pay taxes on the entire amount. (assuming you are in the 15% tax bracket, then that would be $1500). I understand that you want out of debt, but I would not recommend th...

 Forum: Personal Finance   Topic: What percentage of your gross income is your mortgage/rent?

Posted: Thu Feb 21, 2008 11:55 am 

Replies: 33
Views: 23923

11% if you include taxes and insurance. 8% if you don't.

 Forum: News & Announcements   Topic: Forum Questions? Problems? Shout-Outs of Love? Right here.

Posted: Mon Feb 18, 2008 1:56 pm 

Replies: 64
Views: 459270

Anyone else having issues logging in? Over the weekend I tried to log in and I had to try it a couple of times before it took and then all the topics were marked as read. I assumed it was because I hadn't logged in for about a week and the system go over loaded. But this afternoon it happended again...

 Forum: Personal Finance   Topic: When did you start saving? When will you retire?

Posted: Mon Feb 18, 2008 7:31 am 

Replies: 61
Views: 20085

The basic question here is: When did you start saving for retirement? What percentage are you saving for retirement purposes only? When do you expect to retire? What standard of living are you expecting in retirement? Example; I started saving for retirement by opening up a Roth IRA in 2001 when I ...
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