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Viewing profile - Cards81fan

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Cards81fan
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Joined: Mon Nov 12, 2007 8:24 pm
Last visited: Fri Jan 21, 2011 8:48 am
Total posts: 54
[0.06% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 42 Posts / 77.78% of user’s posts ]
Most active topic: Stimulus is it an advance or a true credit?
[ 3 Posts / 5.56% of user’s posts ]

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Location: Oklahoma
Occupation: Insurance Professional
Interests: Hiking, Camping, Vintage 4x4s, Baseball
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Cards81fan Posts

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 Forum: Fiscal Fitness Journals   Topic: $98,971.34 in the hole.

 Post subject: Re: $98,971.34 in the hole.
Posted: Tue Sep 28, 2010 10:40 am 

Replies: 103
Views: 39582


Adam, You listed your liabilities, but what does your "Assets" column look like? What have you got in cash savings and retirement accounts? Where's the other half of your balance sheet? :) This is really the key. Debt can be a tool when used properly (though I will avoid it if at all poss...

 Forum: Personal Finance   Topic: Have new spending habits made you happier?

Posted: Mon Sep 27, 2010 8:19 pm 

Replies: 1
Views: 1664


Being in Oklahoma, the recession has been felt far less severely than in nearly every other state. That said, my wife and I have made many changes in the last two-three years due to our life together and now having a son. Overall, we have spent far less conspicuously, and dumped far more money into ...

 Forum: Fiscal Fitness Journals   Topic: My Success So Far

 Post subject: My Success So Far
Posted: Fri Sep 24, 2010 10:27 am 

Replies: 1
Views: 1437


So I have been a follower of the blog and forum for some time, and have made steps to increase my and my wife's financial help. I will spare many of the details, but my plan was somewhere between the ultra-conservative plans of Dave Ramsey (who despises all debt) and the more liberal plans of Clark ...

 Forum: Personal Finance   Topic: New Credit Card Annual Fee

Posted: Thu Feb 25, 2010 2:28 pm 

Replies: 23
Views: 2536


Only 15% of your FICO score is based on the length of credit history. 30% is your amount owed so if your debt to income ratio decreases a lot then that would have more effect than getting rid of your older CC. It's not debt to income ratio, it is percentage of debt utilized (i.e. are the cards &quo...

 Forum: Personal Finance   Topic: Who still balances/reconciles accounts

Posted: Thu Feb 25, 2010 2:11 pm 

Replies: 11
Views: 1523


What is the point of "balancing" an account? It sounds like it is just a way to check for fraud or banking errors. This. I reconcile my debit card transactiosn with online banking to ensure the transactions are accurate. I did once discover where an eatery I frequent charged my card rando...

 Forum: Personal Finance   Topic: recent collections notice on recently paid bill

Posted: Fri Oct 23, 2009 8:19 pm 

Replies: 6
Views: 1218


The second piece of mail was dated 10/09/09 from a collections agency stating that they were now handling my debt, which had been forwarded to them by the lab. Is the collection agency handling the collection of the debt owned by the lab, or had the agency purchased the debt from the lab? Had they ...

 Forum: Personal Finance   Topic: Poll time: income

Posted: Thu Oct 22, 2009 4:22 pm 

Replies: 42
Views: 5889


It might matter where one lives too. Due to my wife's promotion and my own this year, we're now going to hit that mythical bracket of 250K (>98.5% of HHs). Most of it is saved. It's good to have low cost hobbies. It absolutely matters. I'd dare say my household income of $90k ($55k me, $35k wife) g...

 Forum: General Discussion   Topic: How does one avoid salesperson doing door to door?

Posted: Wed Oct 21, 2009 9:11 pm 

Replies: 8
Views: 3748


The other option is not to answer the door, which honestly is what I do. I answer the door when I've invited people over or if I'm expecting a package in the mail. That's pretty much it. I'm not a big fan of unexpected guests, especially since they're not usually guests but salespeople. I'm not in ...

 Forum: Personal Finance   Topic: Buying a home with cash

Posted: Wed Oct 21, 2009 9:05 pm 

Replies: 26
Views: 3733


The only exception I can think of: unless you would be paying more in maintenance, insurance, and property taxes than you are currently paying in rent (since you don't own). Agreed, but in this case the question isn't how should I buy the house, but should I buy the house? If the rental rate is sig...

 Forum: Personal Finance   Topic: Buying a home with cash

Posted: Wed Oct 21, 2009 8:59 pm 

Replies: 26
Views: 3733


Can somene please explain to me the logic that a a mortgagte at 4.68% is only 3.37 after taxes. If you are married then your standard deduction is around $12000...so on a $100000 the most interest you would ever pay in a given year is $4680 and that is just in the first year. If you tack on taxes o...

 Forum: Personal Finance   Topic: Just being frugal isn't enough - help me plan?

Posted: Wed Oct 21, 2009 8:45 pm 

Replies: 18
Views: 5045


- my student loans, we paid off in lump sum (stupid idea, it ruined my credit score due to short length accounts) This absolutely was NOT a stupid idea. You credit score is only a reflection of your attractiveness to lenders as a borrower. Yes, you may be a poor borrower now since they see you don'...

 Forum: Personal Finance   Topic: How to handle receipt of credit card I didn't ask for

Posted: Wed Oct 21, 2009 8:36 pm 

Replies: 1
Views: 985


Do I need to call the bank and refuse it? This. Simply cutting up and ignoring/not activating the card still keeps the account open (with a zero balance, save for any fees). You will need to call and cancel the credit card account. Now that the account was issued, it is shown on your credit report....

 Forum: Personal Finance   Topic: don't buy stuff you can't afford..

Posted: Fri May 09, 2008 9:13 pm 

Replies: 5
Views: 3019


kick_push wrote:
VinTek wrote:


oops! must have missed seeing those.. my bad for the repost!


But it's a good one!!

 Forum: Personal Finance   Topic: Recommendations for budget software or spreadsheet

Posted: Fri May 09, 2008 9:12 pm 

Replies: 22
Views: 9204


I just use Excel (since my work provides it for free). You should use OpenOffice, the free office software suite. Everything you need to budget you should be able to do in a spreadsheet program like this. I am lost using anything else.
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