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  Topic: First Time Home Buyer Questions?
GardenCat

Replies: 3
Views: 151

Post image iconForum: Real Estate   Posted: Tue Jan 30, 2018 9:08 pm   Subject: First Time Home Buyer Questions?
Good Luck in your house search!
1. Ask the realtor some pertinent questions: how long have you been doing this,? In this area? Do you know building codes, builders that have worked in this area? Can ...
  Topic: 24, Short and long term goals, advice appreciated
GardenCat

Replies: 7
Views: 1012

Post image iconForum: Personal Finance   Posted: Mon Jan 01, 2018 11:50 pm   Subject: 24, Short and long term goals, advice appreciated
Old Guy has good advice. Putting your money to its best use is the best for long term AND short term thinking... and investing (NOT "saving") for your future.

Just some somewhat contrarian ideas.. ...
  Topic: Section 8 Neighbors Left...But What IS Next?
GardenCat

Replies: 3
Views: 574

Post image iconForum: Real Estate   Posted: Sun Dec 31, 2017 7:07 pm   Subject: Section 8 Neighbors Left...But What IS Next?
There is probably a public accessible county record of the homeowner. You may be able to find them and contact them.. If the new renter is also through a housing authority, they will be your first r ...
  Topic: Need help deciding direction after a lemon law buyback
GardenCat

Replies: 3
Views: 10100

Post image iconForum: Personal Finance   Posted: Sat Feb 11, 2017 11:35 pm   Subject: Need help deciding direction after a lemon law buyback
Hi
Oldguy gives good advice. A $50K truck becomes a $40K truck the minute you drive it off the car lot, maybe even less, and you will probably still owe more than what it is worth in that moment! T ...
  Topic: Tax Refund Advise
GardenCat

Replies: 6
Views: 12453

Post image iconForum: Personal Finance   Posted: Sun Feb 05, 2017 5:52 am   Subject: Tax Refund Advise
Agree with oldguy, put your refund towards #1, then pay just the minimum on #2 and the rest each month towards #1. When #1 is paid off, then put the $1,000/month towards that card and get it paid off, ...
  Topic: Rollover IRA to Roth IRA?
GardenCat

Replies: 2
Views: 11853

Post image iconForum: Retirement Planning   Posted: Fri Feb 03, 2017 5:50 pm   Subject: Rollover IRA to Roth IRA?
Hi
You seem to be in a good position.
You mention being income qualified for Roth IRA contribution. A contribution is different from a conversion. Contribution is money earned and put into a roth, ...
  Topic: financial planner between elderly client and family
GardenCat

Replies: 3
Views: 11041

Post image iconForum: Personal Finance   Posted: Sun Jan 22, 2017 9:47 pm   Subject: financial planner between elderly client and family
If this is a legitimate concern, ie, this is a real post...

This seems like an issue that can be addressed through some type of "anti senior abuse" agency. The family can get legal advice and assi ...
  Topic: How much do you tell your kids about your assets?
GardenCat

Replies: 2
Views: 11240

Post image iconForum: Personal Finance   Posted: Tue Jan 17, 2017 6:05 pm   Subject: How much do you tell your kids about your assets?
You need a will and a durable power of attorney. The will should outline how you want your assets to be distributed upon your death, and who you want to be the executor of the will/your estate. The ...
  Topic: Advice about purchasing a vehicle please!
GardenCat

Replies: 2
Views: 11832

Post image iconForum: Credit & Loans   Posted: Tue Jan 17, 2017 5:47 pm   Subject: Advice about purchasing a vehicle please!
First, I agree that a return lease vehicle can be a good deal.

Also, first thing is you need a good, reputable, reliable and honest independent mechanic. They can do a "buyer's check" on any poten ...
  Topic: Credit cards and FICO scores, how much is too much?
GardenCat

Replies: 6
Views: 15276

Post image iconForum: Credit & Loans   Posted: Tue Jan 17, 2017 4:41 pm   Subject: Credit cards and FICO scores, how much is too much?
Agree with OldGuy - you don't need a pile of credit cards to maintain good credit score. Mostly you need to be smart about how you use your money and pay your bills on time always.
One thing that in ...
  Topic: Need investing advice
GardenCat

Replies: 18
Views: 37967

Post image iconForum: Personal Finance   Posted: Fri Jan 13, 2017 6:49 pm   Subject: Need investing advice
HI
Our experience with Merril Lynch was horrible!!! They continually made errors, you never got the same person and invariably the person you reached knew nothing about what had already happened and ...
  Topic: Agents advising me to turn in offer at or above list price?
GardenCat

Replies: 4
Views: 10101

Post image iconForum: Real Estate   Posted: Fri Jan 13, 2017 6:28 pm   Subject: Agents advising me to turn in offer at or above list price?
I agree mostly that you need a new agent. Maybe as a woman, research out a highly reputable and recommended woman agent?

At least call out your current agent on this.

Our agent has worked for u ...
  Topic: mortgage renewal
GardenCat

Replies: 3
Views: 17208

Post image iconForum: Credit & Loans   Posted: Wed Aug 24, 2016 7:02 pm   Subject: mortgage renewal
You may be able to do a "recast" with your current lender. This will work if you have some money to put towards your mortgage as a principal payment (it may have to be $10K or more) and at that point ...
  Topic: Need advice. I don't know how to be an adult.
GardenCat

Replies: 8
Views: 18243

Post image iconForum: Personal Finance   Posted: Wed Aug 24, 2016 6:12 pm   Subject: Need advice. I don't know how to be an adult.
Hi there
You have a lot of good and new "updates" to your lives! Congratulations!!!
A few pointers from my time as a credit counselor - First, you are not alone in trying to figure out how to handl ...
  Topic: I'm 64 - when should I start to spend my retirement money?
GardenCat

Replies: 8
Views: 17092

Post image iconForum: Money Watch   Posted: Sat Apr 16, 2016 8:52 pm   Subject: I'm 64 - when should I start to spend my retirement money?
I agree with other posts by littleroc...
Credit card games are a losing game. At some point you will be unable to get another 0% card because the card issuers will just refuse you. Also, as you tra ...
 
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