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Posts By RickAstley
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Money Talk
re: Tips for paying off debt? - RickAstley
Step 1 - Create a payment plan: Plan to pay off your credit card debt first as others have said. If you wish to pay the least amount of money overall go in this order: 1) Pay off credit card with highest interest rate, and proceed to next highest rate until debt is gone. 2) Pay off student loan w...
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Money Talk
re: Who do you bank with and why? - RickAstley
I do not think you will find anyone disagreeing with you over the value of personal relationships. However for some on here, their situation does not bode well for developing personal relationships with bankers. Speaking for myself, I have moved four times in the past two years and I have lived in t...
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Money Talk
re: Who do you bank with and why? - RickAstley
Regions for checking. Primarily because of proximity and no fees. PenFed for savings. I kept a $100 regular share account to maintain my gas card perks of 5% back on gas purchase and no annual fee. Since then it has become my only savings account because I did not want to manage multiple savings ...
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Money Talk
re: Chase Freedom or Discover IT card - RickAstley
I have both and I enjoy each greatly. The one perk that my Chase Freedom has over the Discover card is that it is a Visa. I have been to a number of restaurants and retail stores that do not accept Discover. Either way, I have had the Discover card for about 2 - 3 years and the chase freedom for a y...
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Money Talk
re: Should I pay off my student loans as quickly as possible? - RickAstley
My wife had loans with interest rates up to 7.6% at one point. We've paid off the highest interest rates except for one at 5.6% which we will eventually knock out. I am with some others in this thread, where my level of comfort sinks when the interest rates hover between 5% and 8%. Once the 5.6% is ...
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Money Talk
re: How frugal would you say you are? - RickAstley
When I was single I would rate myself an 8. I rarely spent any money, but I wasn't very reliant on coupons. Since being married, spending occurs a little more freely, but we use coupons with almost every trip to the grocery store or Walmart. We do more stocking of items as well (such as soap, toothp...
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Money Talk
re: How many credit cards do you have? - RickAstley
3 credit cards Discover it Chase Freedom PenFed gas cash back In the neighborhood of $10-$15k total credit limit. All used for cash back purposes and I've always paid them off each month....
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Money Talk
re: What is your main source for economic news? - RickAstley
Not to hijack your thread, I have to ask, what is the best way to approach reading the Wall Street Journal? I tried for 2 years to include it in my daily routine, but reading the journal can be a full time job in itself. //This is a first world problems post...
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Money Talk
re: Discover IT Card Review - RickAstley
As long as you do not accrue interest, I see no problem with having the Discover it card. My first credit card was a secured card. The moment I got mail from Discover advertising the Discover it card, I took the opportunity. I've enjoyed it ever since, and they have not changed anything for the wors...
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re: Money Saving Phone Apps - RickAstley
Good stuff thank you...
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Money Talk
Money Saving Phone Apps - RickAstley
I was introduced to Walmart's Savings Catcher feature on their phone app this weekend and a whole new world has opened up to me. I am curious if any of you have other recommendations similar to this? FYI: The Savings Catcher feature lets you scan your receipt and Walmart will compare the items pu...
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Money Talk
re: Book suggestions - RickAstley
I don't have any recommendations outside of what some have already listed in the Money Talk Guide [link=(http://www.tigerdroppings.com/rant/display.aspx?sp=54607563&s=2&p=50764525#54607563)]LINK[/link]. However, I am interested in your opinion of The Frackers. I am reading Guns, Germs, and Steel rig...
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Money Talk
re: Are you a trader or an investor... do you know before you hit the buy button? - RickAstley
I consider myself to be an investor. The accounts that I own, I rarely conduct any selling or exchanges. I mostly buy shares of mutual funds every pay period in my 401k and Roth IRA, and check the balances over time. I will spend a week or so near the beginning of each year reviewing my funds to kee...
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Money Talk
re: What are your realistic 5 year financial goals? - RickAstley
I'm 25: Max out Roth IRA annually (doing this now) Max out 401(k) annually (2 year goal) Max out HSA annually (2 year goal) Placed down payment towards first home (3 to 5 years out) Build up a 6 month emergency fund (2 year goal) Pay off wife's graduate school tuition (1 year goal) Pay off wi...
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re: Suggestions For Lowering Monthly Bills? - RickAstley
Good suggestions. I've got some work to do on saving in other areas, such as groceries and the cellphone. I am going to give AT&T a call, and see what I can achieve with them....
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Suggestions For Lowering Monthly Bills? - RickAstley
I have seen people here report ways for reducing the costs of their monthly bills, and I am interested in taking some of those steps. I have had AT&T's U-Verse internet service for 6 months, and they recently increased the rate by a $1. Tiny increase, yet frustrating because there is nothing in the ...
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Money Talk
re: Debt payoff thread- post the amount and time it took - RickAstley
Wife- ~$52k That was from her undergrad and she is still working on her masters. We've knocked off the high interest rates and whittled down the total balance to about $33k. Now we are focusing more on savings and paying current bills. All but two of her remaining loans are subsidized and will no...
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Money Talk
re: Moving money out of savings suggestions - RickAstley
I have no experience with Edward Jones, yet I know they are not necessarily a board favorite. My company uses John Hancock for our 401(k), and all of my other investing is through Vanguard, Roth IRA and taxable (thanks to feedback from the board and other research). For your purposes, you could inve...
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Money Talk
re: Is there a more ridiculous exercise in America than filing taxes? - RickAstley
[img]http://www.glasbergen.com/wp-content/gallery/money/money6.gif[/img]...
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re: Side jobs for extra $$$$ - RickAstley
I think temp work has several practical benefits, beyond just being extra money. That's a pretty amazing story and one I do find to be very realistic for many people. The company I work for specializes in supply chain consulting, and I guarantee you that half of the so called supply chain experts...
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Posts By RickAstley
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