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It is currently Sat Feb 06, 2016 8:38 am



Viewing profile - jer

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jer
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Joined: Sun Apr 15, 2007 1:45 pm
Last visited: -
Total posts: 84
[0.10% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 77 Posts / 91.67% of user’s posts ]
Most active topic: My "not all debt is slavery" thoughts (renamed)
[ 5 Posts / 5.95% of user’s posts ]

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jer Posts

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 Forum: Personal Finance   Topic: Rent vs. Buying - a car?

Posted: Fri Feb 29, 2008 11:51 pm 

Replies: 25
Views: 8684


Be careful with the advertised per-day prices for car rentals. The fees they tack on rival those of the phone company. I rented a car last week. $54/day for two days. Plus fees: CFC fee, REIM fee, Concession Recovery Fee, 15% tax (!). Total: $160. Which is a bit more than is suggested by "$54/d...

 Forum: Personal Finance   Topic: Stimulus is it an advance or a true credit?

Posted: Wed Feb 13, 2008 9:42 pm 

Replies: 14
Views: 5307


It's an advance on a 2008 tax credit/cut. So, this time around, it is basically "free money" -- except, as Dylan indicated, in the macro-economic sense that the government is cutting taxes and that has to be made up for somewhere, sometime, by someone.

 Forum: Personal Finance   Topic: Anyone not pay taxes in each paycheck?

Posted: Wed Feb 13, 2008 9:38 pm 

Replies: 10
Views: 4717


In general, you're okay as long as you pay 90% of your eventual total tax liability through the year, or 100% of what you owed the previous year, whichever is smaller. If your payments come to less than that, you'll be hit with penalties. Also, there is a special case for "windfalls" where...

 Forum: Personal Finance   Topic: Anyone not pay taxes in each paycheck?

Posted: Wed Feb 13, 2008 3:38 pm 

Replies: 10
Views: 4717


Income taxes are pay-as-you-go, not annual. If you don't do withholding you will need to make quarterly payments. Not doing so will subject you to penalties.

 Forum: Personal Finance   Topic: How do you Budget Vacations and other Yearly expenses?

Posted: Fri Feb 08, 2008 11:17 pm 

Replies: 22
Views: 10272


Speaking of Yellowstone, have you ever been to Glacier NP? Yellowstone is very unique and impressive, but Glacier was absolutely magnificent. We drove from Utah and had a 6 day vacation (including travel time) and only spent about $800 for a family of 5. No, I was planning on going to Glacier this ...

 Forum: Personal Finance   Topic: How do you Budget Vacations and other Yearly expenses?

Posted: Fri Feb 08, 2008 3:16 pm 

Replies: 22
Views: 10272


In practice, it's been years since I've taken a vacation that wasn't covered by current income (ie, that required dipping into savings at all). That's quite impressive. Do you both have simpler tastes in vacations, or just that much flexible income? I find that even simple vacation planning involve...

 Forum: Personal Finance   Topic: How do you Budget Vacations and other Yearly expenses?

Posted: Wed Feb 06, 2008 11:16 pm 

Replies: 22
Views: 10272


"Saving for a vacation" isn't really a valid concept for the way I handle things. Money I save isn't money I would otherwise have spent if I didn't have some particular "goal" in mind -- it's money I didn't need to spend, so it didn't get spent. If I can afford the vacation witho...

 Forum: Personal Finance   Topic: New user baring all... (very long)

Posted: Wed Feb 06, 2008 11:03 pm 

Replies: 76
Views: 38483


My wife and I transferred (like two weeks ago) the remainder of our car payment for 0% down to Discover Card which was approx. 16,000. We both have good credit and didn't really have much outstanding past that. It seems like they were having a promotion for new accounts. So you might want to look i...

 Forum: Personal Finance   Topic: Pay off the car loan?

Posted: Sat Feb 02, 2008 4:38 pm 

Replies: 26
Views: 10032


I will never understand people who have large amounts of money in savings accounts with lower interest rates than their debts. How does that make any sense? You're throwing the spread out the window every month. Not having an emergency fund is worse than having debt. It's worth the cost to have som...

 Forum: Personal Finance   Topic: Pay off the car loan?

Posted: Wed Jan 30, 2008 4:32 pm 

Replies: 26
Views: 10032


At 8.43%, I'd pay off the car loan. Plus, you're upside-down on the loan, which is a bad situation, best avoided.

 Forum: Personal Finance   Topic: Emergency Fund, Define 'emergency'

Posted: Wed Jan 30, 2008 4:26 pm 

Replies: 32
Views: 12441


A dollar you have is a dollar you have. I see no advantage at all in segregating it into different, artificial categories. My "emergency fund" is the amount of cash I have available. That is, not invested or anything, available to me immediately with no time-risk or tax event. I'm not goin...

 Forum: Personal Finance   Topic: Need advice for a fraudulent debit card charge....

Posted: Mon Jan 28, 2008 10:02 pm 

Replies: 9
Views: 4264


The thing about the check code (CVV2, etc) is that it is not stored on the card's magstripe. Also, the merchant is absolutely forbidden from storing it, in any form, for any length of time whatsoever, period. If I as the merchant make a record of the code on a hard drive or similar, even for five se...

 Forum: Personal Finance   Topic: Credit cards which allow download to Money or Quicken?

Posted: Wed Jan 16, 2008 8:53 pm 

Replies: 9
Views: 4248


There are two different "kinds" of download. Amex, for example, will download automatically right from within the program, with no need to go to a website, log in, and click anything. The transactions just appear automatically. More common are the ones where you can log into the website an...

 Forum: Personal Finance   Topic: Rebuilding and building good credit

Posted: Sun Jan 13, 2008 4:09 pm 

Replies: 8
Views: 4103


It's important to keep in mind that canceling credit card accounts never helps your credit rating, and can hurt it -- and this will apparently be even more true with the new FICO 08 scoring model. Cancel them only if you have some other reason to do so, like if they charge an annual fee, or they are...
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