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  1. Frugal Living
    Up until 6 months ago we had dial-up internet. While I was a student I could dial-in free to the college then after I graduated we just went to $10/mo dial-up until we decided to go to DSL. I have phone with Qwest and they had a $19.99/mo DSL special that I got on. When I signed up some of the...
  2. Health and beauty
    Does anyone wear a heart rate monitor while they work out? If so, do you mind telling me which style/model you use? I've been wanting to get one, but am a bit unsure of what I want, exactly. Thanks!
  3. 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...
  4. 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...
  5. 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
  6. 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...
  7. Just Tips
    My ds recently came over and said that his cc interest rate was raised 5%. A couple of days later I received my CREDIT UNION statement that was offering a FIXED cc interest rate of 9% with no balance transfer fees. The interest rate was also for the same for cash advances. My ds also...
  8. Debt Reduction & Money Management
    What the heck is Greebo talking about now? Greebo is talking about terms from the book, "The Millionaire Next Door". AW is "Accumulator of Wealth" P is "Prodigious" U is "Underachieving" A is "Average" How do you rate yourself? The authors of the book calculated the average net worths of...
  9. General Chat
    I've been pretty quiet on these forums, but I have read a lot in the last six months since I joined and I thought it was time I shared something from my own experience. I bought my current home (my third) in June, 2003. I was able to get a 5/1 ARM at 4.375% which was perfect because I...
  10. Debt Reduction & Money Management
    Each month I am sitting here wondering why my cc is over the limit as I am trying to pay it off! The balance is high and my insurance charges my monthly amount to this card (I have no choice in the matter, its the only card I can do this on) and I always seem to be over my limit each month...
  11. Leisure & Media Arts
    http://www.businessinsider.com/obama-must-veto-the-90-bonus-tax-rate-2009-3
  12. Frugal Living
    I go through cookbooks and "rate" my recipes for self-suffiency. (I find it's an easy way of knowing which recipes are expensive to make too.) I divide ingredients into three categories: 1)I ALWAYS grow and/or make them myself. 2)I CAN grow them and/or make them myself (but may not). 3)I...
  13. Frugal Canadians
    I'm not sure how many TD Canada Trust members we have on the boards, and if anyone knows of what TD will be doing to their current card holders come December 1st, but here is what we just saw on the news: As of December 1st, TD Canada Trust will raise the interest rate on many of their cards by...
  14. Debt Reduction & Money Management
    Hi there! A friend of mine suggested that I call my Mastercard company (19%) and ask them to reduce my interest rate...my Visa is 11%...have no idea what is reasonable to expect in this economy, but if it might work, I will call... What I can't figure out is what is in it for them? I am...
  15. Debt Reduction & Money Management
    Don't know if this is the right spot to post this, but here goes ('bout the only thing I'm sure of right now, is that gravity works. 'Cause I keep dropping things! ['cept for pounds]) ... HSBC Direct.com has got a great rate special for their savings account. Below is the url for them, if...
  16. Debt Reduction & Money Management
    I am so excited!!! I called and got the interest rate on 2 of my credit cards lowered!! One went down 4% and the other around 2-3%. I am so happy!! :hurray::hurray::hurray:
  17. Debt Reduction & Money Management
    As of September 1st, 2008, the following interest rate calculation changes will be made to: Money Master High Interest Savings Account - 1.5% on balances less than $5,000 and 2.25% on balance of $5,000 or more. Ugh. That ING account was looking better and better until I read that. Now, I...
  18. News you can use
    http://money.cnn.com/2008/08/01/news/economy/jobs_july/index.htm?cnn=yes
  19. News you can use
    Dollar's decline could be close to end after Europe raises rate Despite losing ground Wednesday, the dollar may be nearing the end of its protracted decline.
  20. News you can use
    Home prices fall in April at record rate A closely watched index shows U.S. housing prices dropped in April at the fastest rate ever, with prices tumbling to levels not ...
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