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Viewing profile - Zulu113

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Zulu113
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Joined: Tue Nov 27, 2007 12:11 pm
Last visited: -
Total posts: 171
[0.19% of all posts / 0.05 posts per day]
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Most active forum: Personal Finance
[ 128 Posts / 74.85% of user’s posts ]
Most active topic: Financial ills from excessive marketing and consuming
[ 4 Posts / 2.34% of user’s posts ]

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Location: Colorado
Occupation: Engineer
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Zulu113 Posts

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 Forum: Personal Finance   Topic: Help me understand CapitalOne auto loan (prepayments)

Posted: Wed Feb 04, 2009 6:07 pm 

Replies: 13
Views: 7332


So is it better to make, say, two payments of $150 per month and stipulate that one go entirely toward balance? Or is it accomplishing the same task to make one payment per month of $300? If your regular payment is $150 (some interest and some principal), then make sure you stipulate that that the ...

 Forum: General Discussion   Topic: Question About Mortgage Brokers

Posted: Wed Feb 04, 2009 8:34 am 

Replies: 1
Views: 2104


Mortgage broker and real estate agent are two separate people. You'll find your real estate agent based on their ability to find and show you the best homes while keeping your best interests at heart. You'll find the mortgage broker by shopping around for the best interest rates, closing costs etc o...

 Forum: Personal Finance   Topic: Help me understand CapitalOne auto loan (prepayments)

Posted: Tue Feb 03, 2009 8:47 pm 

Replies: 13
Views: 7332


You've got an active interest in your finances, you're paying extra on your loans, you're saving 25% and you're asking questions. That alone puts you ahead of 95% of people out there. Keep it up!

cheers,
Zulu

 Forum: Personal Finance   Topic: Help me understand CapitalOne auto loan (prepayments)

Posted: Tue Feb 03, 2009 3:43 pm 

Replies: 13
Views: 7332


I have the feeling you're making this way to complicated, but maybe I don't quite understand what's going on. To me, there's no benefit to pre-paying your loan. Paying March and Aprils payment in February is the same as giving them an interest-free loan. I suspect they are simply holding the funds a...

 Forum: Personal Finance   Topic: "it's all about the monthly payment"

Posted: Wed Jan 21, 2009 7:57 am 

Replies: 12
Views: 3472


Yep, that's a really rotten agent. That's right out of the shady car salesman playbook. Just fiddle with the loan variables until you hit the right monthly payment, don't worry about that whole price or interest paid thing, that's for them uppity number-crunching nerd types... As far as agents in ge...

 Forum: Personal Finance   Topic: ING down 25%

Posted: Wed Jan 21, 2009 7:34 am 

Replies: 4
Views: 2266


Yep, 10bln euros from the Dutch gov't back in October. I seem to remember that they were suspending their dividend until that was repaid, but I can't find anything to corroborate that other than alot of confusion about what their dividend will actually be. Personally, I think that's a really good pr...

 Forum: Personal Finance   Topic: 401k Match Changes

 Post subject: 401k Match Changes
Posted: Thu Jan 15, 2009 12:23 pm 

Replies: 7
Views: 2902


My company used to match completely the first 5% of my 401k contributions. However, they've changed the policy for 2009 to match 50% on the first 6% I invest instead. So, now I have to put in an additional 1% to receive 2% less from them, which sucks. That's money I have to divert from going into my...

 Forum: Personal Finance   Topic: Refinance: Would you take this option?

Posted: Fri Jan 09, 2009 8:30 am 

Replies: 7
Views: 2873


I would do it in a heartbeat. If your refi costs are 3k (principal from 119k to 122k?), your payment drops $160/month, it takes just under two years to break even. Mrs. Zulu and I are in the midst of a refinance as well, going from 6%, 30 year to a 5%, 30 year after 1 year in the loan with refi cost...

 Forum: Personal Finance   Topic: Is car debt always bad?

Posted: Fri Jan 09, 2009 7:49 am 

Replies: 83
Views: 20093


I don't think there's a 'right' answer here. It boils down more to the responsibility of your friend Sarah. The Holly side of things: If she can get a loan for a lower rate than she'll accrue in savings, and she's able to intelligently make the payments without forgetting that money is earmarked for...

 Forum: Personal Finance   Topic: Cash in hand

Posted: Mon Sep 29, 2008 7:15 pm 

Replies: 40
Views: 10345


Okay, so by current standards, the FDIC is freaking awesome then Zulu The largest single bank failure in American history, where the FDIC not only doesn't lose money but comes out ahead by billions of dollars, and all you'll offer is a snarky remark? Seriously, that kind of failure should have crip...

 Forum: Personal Finance   Topic: Cash in hand

Posted: Mon Sep 29, 2008 2:30 pm 

Replies: 40
Views: 10345


FDIC not only doing allright, but made something like $1.9 billion seizing the WaMu good parts and selling them to JP Morgan a second later.

 Forum: Personal Finance   Topic: Chase to buy WaMu

Posted: Thu Sep 25, 2008 6:38 pm 

Replies: 7
Views: 3211


Wow, what a confusing deal. JP Morgan isn't buying from WaMu, they're buying from the FDIC. Further, they're only buying the 'good' parts, the deposits and branches. I don't own any WaMu (at least directly), but that seems like a really crappy deal for the WaMu shareholders. FDIC comes in and seizes...

 Forum: Personal Finance   Topic: 4.5% CD at ING

Posted: Thu Sep 25, 2008 10:00 am 

Replies: 10
Views: 4208


WAMU offering 1 year CDs online at 5% APY now. Last-ditch desperate effort to raise cash and cling onto life?

How does the FDIC insurance on a CD work? Just covered for principal?

 Forum: Personal Finance   Topic: Roth IRA: Investing in alternative fuels and electric cars

Posted: Tue Sep 23, 2008 2:09 pm 

Replies: 6
Views: 2517


Yoda says, an imperfect battery does not a perfect electric car make.

Although who knows, with cars like the Chevy Volt and http://www.cnn.com/2008/TECH/biztech/09/23/chrysler.electric.car.ap/index.html, I'd love to see the technology proven and adopted. Time will tell!

Zulu
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