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  1. Debt Reduction & Money Management
    Hi everyone, I am hoping that a few of you who are better in the mathematics department and have experience in paying off high balance student loans can advise me on the best path I can take to pay off these loans with my current/projected income. Naturally, I am hoping to pay minimal interest...
  2. Health and beauty
    This E-book is free on Amazon right now and has good reviews. I thought it might interest some of you.
  3. Dave Ramsey
    Just before I discovered Dave Ramsey (and I do mean JUST before, mere DAYS before), I applied for a Discover Card with 3.99% interest on transferred balances for the first 6 months. Most of my credit cards have the normal, outrageous interest rates of about 19%-23%. I transferred $1700 of my...
  4. General Chat
    Tribe's high-interest online lending venture booms - Yahoo! Finance I don't think this is going to be good. It is a longish article but worth reading.
  5. Dave Ramsey
    Wife has student loan at 3% (13,000 left) and we have 1 car loan at .9% (19000 left). I have $70,000 in savings, contribute max to 401K, Roth IRA, contribute to 529 plan for 2 little ones. Given this crazy economy and the way companies are laying off people I think I should continue shoving $...
  6. Dave Ramsey
    I have a $15,000 loan that has about $1,300 in accrued interest. The interest is going to capitalize next month. I have the ability to pay $1,000 before this happens. However, this loan is 4th in order of my debts to be paid following the snowball plan. I find the idea of paying interest on...
  7. Southwest Pals
    spring break? i live in katy on fry road.
  8. Success Stories
    We have only $4500 of CC debt left! So excited! My goal was to pay off our cards by 12/31, which sounds impossible, but I still have hope since I am not done w/ my snowball payments this month, and I haven't even had time to start selling things w/ all the hours I have been working...
  9. Hobbies
    I'm testing the water to see if there are enough people interested to put this together. This is a test, if enough people want to play I will do sign-ups in a week or so. We will make and trade winter holiday ornaments made of felt, here are some ideas I pulled off the web: Appliqued Felt...
  10. Debt Reduction & Money Management
    We finally received our tax return check yesterday $10K! Woo Hoo! The plan is to pay off the balance of our unsecured construction loan of $3809, and pay off the tractor through Lowes $2672.00. The balance will go to a new dehumidfier for the basement and funding the emergency fund. We...
  11. Debt Reduction & Money Management
    Our HELOC has an intro rate on part of our balance and a higher interest rate on the higher portion. I'd like to find an amortization calculator that could show this info. Does such a beast exist?
  12. Debt Reduction & Money Management
    I got a phone call concerning the mortgage and its impending renewal. We decided to stay with our current company, ResMor Trust Company, after a discussion with both the mortgage consultant and DH. We were offered the following rates: 1 year fixed - 3.29% 3 year fixed - 3.89% 5 year fixed -...
  13. Debt Reduction & Money Management
    We have our debts organized into three tiers by interest rate. Above 20%, 10 - 20% and under 10%. Coincidentally, these tiers agree in size (i.e. above 20% cards are each smaller than 10 - 20%, etc.). One of the larger balances in the 10 - 20% range is through my bank, that I've had a...
  14. Debt Reduction & Money Management
    I have a debt that has a 24% interest rate which is KILLING me...I wa consistently late paying but now have paid on time for coming for three months. At what point does ot make sense to ask them to adjust the interest rate? Help!
  15. Question and Answer
    Hey guys. When paying bills this month, I noticed that 2 of my credit accounts have increased their APR. One of them, a discover card, isn't as much of a big deal because it only raised the interest I pay by $3 (still annoying though as that's the next card to pay off). The other one though...
  16. Question and Answer
    Well, it's that time of year again! My interest rate is set to raise within the next couple of months after my balance transfer rate expires. I obviously want lower rates, so how do you go about checking into it? Do you call them directly and say, "what do you have to offer?" Or do you try...
  17. Dave Ramsey
    OK, help me out here. I love algebra, but when you start working with percentages, I get lost. :smhelp: My husband has a nice sizable chunk of money from his side business he's quitting to put into our emergency fund for all the moving, etc, (see siggie) so that's why I'm looking into this...
  18. General Chat
    Wow anyone want a creditcard. Read this http://finance.yahoo.com/news/Credit-cards-newest-trick-799-apf-3359014390.html?x=0&.v=4
  19. General Chat
    My main credit card (the 1st one I opened) is raising the interest rate to 24%! I read somewhere that this is a desperate move by CC companies cause of the new rules for them. Sometime, I think in Feb, CC companies have to obey they new laws, government will make 'em. So they're trying to get...
  20. Debt Reduction & Money Management
    Ran across this article and thought it was interesting, especially number 1. http://www.walletpop.com/top5/traps-on-interest-free-purchases-1
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