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Target has a 10% off sale this week on T-moble phone cards. http://weeklyad.target.com click on " electronics " The Nokia 6010 " T-moble to go " phone is $35 without requiring a rebate. Ebay has a 1000 minute phone card for home use for $17.95 which is 1.8 cents a minute. The card is good...

EmigrantDirect just raised their rate to 4%

I had problems installing quicken 2005 & discovered their forum http://www.quickenforums.com/index.jspa?categoryID=1

First Penn Bank has a 4.25% 14 month Freedom CD. It can be transfered to a higher rate without penalty during the term. http://www.firstpennbank.com/

Called Herbert J. Sims & CO There are 4 series of bonds for a total of $83 million 2037 tax free yield 6% 2025 tax free yield 5.8% 2015 tax free yield 5.3 2010 tax free yield 5% with a put - can renew for 5 more years at a to be determined rate The bonds are not rated or insured. The closing...

Advertisement in the Sunday Philadelphia Inquirer for a new offering of 6% NJ municipal bonds $25,000 minimum maturing in 07/01/37. The project is Lions Gate http://www.retiretolionsgate.com/amenities_services.htm The agent is Herbert J.Sims & CO. Their website is not complete. Anyone have...

Thanks JG. Bad luck can be unexpected & expensive. A neighbors tree came down, luckily it just landed on a fence.

Library opens early. :) Not downsizing until its too late. Keeping a vehicle with low gas milage, high repair costs & insurance rates. Or keeping several vehicles. Too much house that needs remodeling, dusting, grass to cut, snow to shovel & has high real estate taxes & utilities. Children...

There is a difference in usage - its like comparing the H2 to the corvette. Ing Direct is not used for investments just short term money that would be sitting in a checking or savings account waiting to pay bills or other usage. A really appreciated feature is moving money between accounts at...

Not financial competition - Competition is good for the consumer. Intel could charge any price as the only maker of IBM chips until Cyrix & AMD entered the market. P4 chip prices at one time were higher than some computer systems cost today. With EmigrantDirect going for the same customers...

? Ingdirect is more than rates.

I did not enjoy the opening, did enjoy Chris Rock's monologue & did not watch the rest of the show. I did watch a show on Saturday about video editors which was very good. Splicing frames & sound together with timing & a theme to make a movie is a real talent. I heard that stunt performers have...

Like AMD & Intel competition is good!

The Emperor Has No Clothes One weekend there was a major incident. On Monday local management was asked to explain to company management. Local management decided to have meetings on Tuesday & Wednesday. Everyone was invited including people on their day off. The local manager opened the...

For single in 2005 15% bracket ends at $29,700 personal exemption is $3,200 standard deduction is $5000 income after $37,900 taxed at 25% Your income $31,000 minus $8,200 = $22,800 minus 6% for 401K = $21,432 taxable.

Re: Savings & cost avoidance... I differently agree. The first year of retirement I continued having my grass cut by a lawn service. While I had a brand new lawn mower I had purchased years before still in the box. Sometimes while the grass was being cut I was exercising on the treadmill. I...

Energy prices - coal, gas, oil, nuclear, hydro & wind are not controlled by inflation. Figuring x percent increase a year is not accurate. Its an open market of supply & demand with futures contracts & the weather also plays a part.

I agree & also do not subscribe to magazines with automatic renewal or book or cd clubs that send out items for approval. Automatic payment of bills the way I use it is similar to using the " Automatic Savings Plan " at IngDirect.

Re: Financial ducks and stuff                 The gas budget plan starts in November & ends in October. Gas used in the winter is paid for it during the summer. The gas billed this month is over twice the budget payment. Different styles. I'd rather have online billpay & Quicken pay the same...

Stability Knowing months in advance what the monthly bills are going to be. Instead of the electric & gas bills flip flopping all over, using a budget plan available from the utility. Being proactive, instead of reactive and waiting for the bills to arrive to see what the monthly charge is...

When the show starts going in that direction I am done watching for the night.

I agree that she can go overboard trying to find a relationship angle & it can be unnerving. I change the channel sometimes also. Relationships do play a part in financial problems sometimes. It is the main reason for divorce & in some cases massive credit card debt.

When I retired almost 2 years there was the realization that proactively managing money would be a key to success. Of great concern was the 401k money which was at risk in mutual funds. I discovered that there were 3 financial channels on tv. Which was whittled down to Suze Orman & cnnfn. I have...

I was surprised that Suze did not go into more detail as she usually does. SuzeCam was on the streets of NY. A couple from CA who were both teachers asked the question. One person wanted to retire. The other wanted them to continue working for 3 more years in order to increase their pension by...

During my tour in Vietnam, Kobe steaks were served in the chow hall occasionally. It was like the day after Thanksgiving. People arrived early & the line was long.