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Living on a Budget, Saving Money/Questions
| Subject | Date Asked | Expert |
| Debt consolidation/management | 8/12/2006 | Cindy Morus |
| Q: We're newlyweds who had a wedding a bit beyond our means adn are finding ourselves in deep money ... A: I feel your pain and have been there, too. I'd recommend you talk to a non-profit consumer credit ... | ||
| Credit Report Monitors | 8/11/2006 | tbaarr |
| Q: I am not getting accepted for card applications and want to pay for one of those Monitor services ... A: you realize you are entitled to a free credit report as a result of being denied credit as for ... | ||
| Food Money | 8/9/2006 | Cindy Morus |
| Q: I'm looking at my money situation and it's not good. I only make around 1200 a month, rent is 320, ... A: you might want to check out this government publication to see if you are spending what others ... | ||
| credit cards | 8/5/2006 | Cindy Morus |
| Q: I have a couple of high apr balances (>20%) that i am considering transferring to a card that offers ... A: you're right. This is too complicated a math formula, especially since each credit card company can ... | ||
| Need to get rid of my car still owe money on it. | 8/4/2006 | tbaarr |
| Q: In order to buy my house and to improve my purchase power, I need to get rid of one of my cars, but ... A: 1st see if a dealer will pay off the loan and maybe give you some cash 2nd have a friend buy it on ... | ||
| Finances | 8/4/2006 | Cindy Morus |
| Q: My husband and I have decided to invest in real estate. We are purchasing two condominiums that we ... A: you're in company with a lot of other people out there. Here are a couple of options. See if you ... | ||
| Ways to save | 8/3/2006 | Cindy Morus |
| Q: What are the top 20 easiest ways to save money and/or cut back on expenses. A: looks like you are seeking an easy way out! What's easy for some people, isn't easy for others. ... | ||
| Medical Bills/Re-payment | 8/1/2006 | Cindy Morus |
| Q: My husband recently injured his foot quite badly, and we currently have about 30K+ in medical bills ... A: I'm sorry for your troubles. I recommend you talk to an bankruptcy attorney right away. There's ... | ||
| Paying off debt. | 8/1/2006 | Cindy Morus |
| Q: I have a mutual fund invesment that has averaged 10% over the last three years. I have well over ... A: a couple of questions for you to think about... 1. Is the mutual fund in a traditional IRA? If so, ... | ||
| Decision | 7/31/2006 | Cindy Morus |
| Q: Cindy! Thank you for your time and expertise here at the Experts site, it's much appreciated. I ... A: I can see that you are in a tough spot. I really discourage people from taking the money out of ... | ||
| debit card | 7/27/2006 | Cindy Morus |
| Q: My bank Nationwide only issue debit cards to 18+ so the other day I turned 18 and went in to ask for ... A: I understand your frustration with the bank's rules. In a way, they are actually trying to protect ... | ||
| credit cards | 7/25/2006 | tbaarr |
| Q: I found this man online (rick miller www.24hrCreditFix.com), who claims he used to help manage a ... A: i'll tell you what i will make up a website and charge you 29 thats all i need to do to make his ... | ||
| stuck and desparate | 7/24/2006 | Cindy Morus |
| Q: This is a "if you were me", question....because I am just so stuck and don't know what to do. I'm a ... A: I feel for you and your situation, Paula. Here are a couple of thoughts. First, if you are feeling ... | ||
| HELOC skyrocketing, home repairs bulging credit cards | 7/23/2006 | tbaarr |
| Q: Here's my situation. I bought a townhouse in eastern San Diego county in 2004 for $322,000. The ... A: ok you are the victim of the republican trickle down lie i know this because what is happening to ... | ||
| Borrowing from home equity | 7/21/2006 | Cindy Morus |
| Q: I hope you are able to advise on following: Am paying off balance of Ch. 13 Bankruptcy in August ... A: you are right to be concerned for all the reasons you mentioned, in addition to the fact that you ... | ||
| How are others doing it? | 7/19/2006 | Kathryn Nye |
| Q: My husband and I have been married for 24 years. We always rented. We both work and make about ... A: Alyce: The fact of the matter is that a good majority of people are living paycheck to paycheck. ... | ||
| how to get out of debt | 7/19/2006 | Cindy Morus |
| Q: i am new to this site. i hope you can give me some solid advice and help. i am 37 years old and ... A: my heart goes out to you. I recommend you contact a non-profit Consumer Credit Counseling agency ... | ||
| Loans | 7/14/2006 | Cindy Morus |
| Q: Please explain the following to me: A) What a loan is, what interest is, and how the annual ... A: you have great questions here and I spend a whole year answering them in my MoneySmartWoman(TM) ... | ||
| Financial planning for Dentistry School | 7/12/2006 | Cindy Morus |
| Q: I am not sure if this subject is in your area of expertise, but I am having trouble figuring out how ... A: you've set yourself an ambitious plan! Is your family totally behind the plan? If so, you'll all ... | ||
| Credit Score & Changing Credit Cards | 7/11/2006 | Cindy Morus |
| Q: Greetings: I am a 22 year old college senior. Basically I would like to drop one card that's open ... A: great question and congratulations on your excellent credit scrores. Your length of credit history ... | ||
| Financial question | 7/8/2006 | tbaarr |
| Q: My husband and I are trying very hard to get out of debt. We are paying very high interest on credit ... A: since you did not indicate how many of your open accounts are non visa mastercard type i will have ... | ||
| Financial question | 7/8/2006 | Cindy Morus |
| Q: My husband and I are trying very hard to get out of debt. We are paying very high interest on credit ... A: I'm sorry to hear of your troubles and glad you are working so hard to get out of debt. The 0% ... | ||
| Credit Card debt vs Mortgage and Home Equity Debt | 7/6/2006 | tbaarr |
| Q: I have three credit cards totaling $30,000 in debt, 10 each. One is 9.9% one is 7.9% and one is ... A: most credit cards are simple interest all you have to do to verify that is look at the minimum ... | ||
| How much can I afford | 7/4/2006 | Cindy Morus |
| Q: My partner and I might be separating and this would be the first time I am "on my own". This my ... A: good question. In the U.S., we recommend that no more than 30% of your gross income (before taxes) ... | ||
| debt payoff | 7/1/2006 | Cindy Morus |
| Q: I acquired the debt from selling the property. We were able to get an asking price of $25K more ... A: when you contribute to a 401(k), it reduces your taxes because the contribution comes out before ... | ||
| Saving Money or Paying Student Loans | 7/1/2006 | tbaarr |
| Q: I have 17,500 in student loan debt. A few days ago, my parents decided to use their credit card to ... A: 1st question is the balance transfer is it life of the loan if yes then you need to ask how long ... | ||
| Savings or Student Loan | 7/1/2006 | Cindy Morus |
| Q: I have 17,500 in student loan debt. A few days ago, my parents decided to use their credit card to ... A: , It's great that your parents are helping you with your student loan by moving it to a lower ... | ||
| debt payoff | 7/1/2006 | Cindy Morus |
| Q: I recently acquired a $25K debt on a real estate transaction. I'm paying interest only on a home ... A: y ou don't say how you acquired the $25k debt in real estate. If it's property, can you sell it? ... | ||
| To Rent or Buy | 6/29/2006 | Cindy Morus |
| Q: I have just moved to another town and sold my house. I only netted a few thousand dollars, so I ... A: good question. There's really not enough info here to give you an answer so let me give you a good ... | ||
| Finance charges | 6/28/2006 | Cindy Morus |
| Q: I recently was awarded judgement on a customer that owes me money. I need to find the formula to ... A: here's your answer: 833.11 at 8% annual interest, paid at $50.00 per week, plus the $70.00 filing ... | ||
| Where to put extra earings | 6/26/2006 | Cindy Morus |
| Q: I just recently received a raise at work ($350) more a month. Since I am the only one that has a ... A: great question. Whenever this sort of this comes along, I recommend dividing it into thirds -- 1/3 ... | ||
| My dead wife's hospital bills | 6/26/2006 | Cindy Morus |
| Q: Before my wife died (less than two months ago)she covered myself and young daughter under her health ... A: I'm sorry to hear of your loss. This is really a question for an attorney to help you with. I ... | ||
| money problems causing marriage problems! | 6/14/2006 | Cindy Morus |
| Q: however we just bought a home and now we cannot make ends meet. We have three small children and ... A: I can definitely relate to your situation. I encourage you to put your marriage first and to ... | ||
| beginner investing questions | 6/13/2006 | Cindy Morus |
| Q: I hope my question falls in your field of expertise. I am a 21 year old single man looking to invest ... A: good question! First, I have to tell you that I don't have the required securities licenses to ... | ||
| beginner questions | 6/13/2006 | tbaarr |
| Q: I see you offer advice on how to use credit to acheive financial goals. I am very curious as to how ... A: all businesses use credit to make a profit your contractor gets net 30 on the materials he buys he ... | ||
| Supplementing income. | 6/9/2006 | Cindy Morus |
| Q: I am a business professional who recently opted to stay home with my three month old and tend to my ... A: have you heard of Virtual Assistants? Sounds exactly like what you are describing. If you do a ... | ||
| Nothing owed | 6/7/2006 | tbaarr |
| Q: In the next month or so, all my credit cards as well as my car payments will be paid off. I won't ... A: the only thing i have heard about owing nothing is that there is no proof you can make timely ... | ||
| behind in bills | 6/7/2006 | Cindy Morus |
| Q: my husband and I make a very good living. however we or i should say i screwed up our finances ... A: I feel your pain. I've been there, and so have most of my clients. There's no quick fix to your ... | ||
| followup | 6/6/2006 | Cindy Morus |
| Q: Yes I recieve a statement every month from the credit counseling service,I have the payment ... A: I can't really comment on credit counseling services. If they're paying the bills as you agreed and ... | ||
| how to estimate monthly tax benefit from owning a condo | 6/5/2006 | Cindy Morus |
| Q: I've searched far and wide trying to find a calculator that helps me estimate how to adjust my W-2 ... A: this is a question I recommend you direct to your tax preparer. You could also check the H&R Block ... | ||
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Living on a Budget, Saving Money
Answers by Expert:
tbaarr
Top Expert on this page
Expertise
I prefer to answer only public questions so all can benefit . there is a donation button.but its not necessary for you to donate to ask me a question. if you want to donate. it will go to my daughters education fund and I thank you. Questions related to credit card management and use of credit to achieve your financial goals I have found on google that my screename has been linked to some garbage financial sites, that I have nothing to do with Please ask me to verify this if you are not sure and let me know who is making any claims so i can sue their asses off this is my website or my blog http://www.geocities.com/tbaarr/night_vision.html http://www.tbaarr.blogspot.com/
Experience
i own over 10 credit cards
8 of these have credit limits over 10k and i use 2 of them to invest with
i have the balance as a fixed life of the loan balance transfer
and make 10 points profit on the money
Organizations
none
I retired doing this in 1996
and wish to pass on my experience.
BE aware I got married in 1998 and started Driving Rig in 2004 so that I could get affordable quality Heath insurance for my family as I now have 2 beautiful daughters 4 and 8 as of aug 2007, so I may take longer to answer som questions.
i cover such subjects as,
my approach to credit,
how to establish and maintain multiple accounts,
how i get single digit life of the loan balance transfers,
how i use their money for 45 days interest free,
how i use credit cards to invest for 30% a year profit,
and how i maintain a 650+ credit rating while holding 5 or more accounts.
I challege anyone have me compare any answer, that suze orman gives on her tv show,
to what i would suggest
as i find her answers just plain incompetant,
especially when she states that borrowing money from an ira causes you to pay double taxation.
Thats just plain wrong
Education/Credentials
outsourced electrical engineer with a calculus background
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