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Hi folks. Just thought I would mention this again as PenFed is currently offering 30 yr fixed at 4.875 with 0 points. I pulled the trigger and submitted my application. I'm just hoping the appraisal does not come in so low that my LTV is > 80%. We've lost some value in the last couple years...

Down 6.6% in January. 100% equities.

I subscribe to Coupons, Grocery Coupons - The Grocery Game :: Home. It's a pay site that tracks the sales in supermarkets and places like CVS plus they track coupons from the Sunday newspaper inserts. So each week they identify the best combinations of sale price and coupon and it makes it...

Right, because they effectively created the 10% bracket by sending the checks out. If they had changed the brackets it would have messed up everyone's withholding. The brackets went into effect for 2002.

If I'm understanding the mechanics correctly, it means that the IRS will adjust the tax brackets so that the first $6,000 dollars of earned income is not taxed. Normally it would have been taxed at 10% or $600. And they are sending us the $600 now instead of waiting until people file their...

Anyone else thinking of re-financing the mortgage at the new low rates this morning? I'm seeing some 5.30 APRs on bankrate.com for 30yr fixed w/ 0 points.

Every current situation is 'a current situation' by definition. I didn't say it was a new situation. I said it's immoral to let it continue. What happened to the Irish or Chinese has no bearing on the morality of this situation. It is wrong for us as a nation to use these people like we are...

I think it's immoral for our country to let the current situation persist. It's not right to have a permanent underclass operating in the shadows so that we can have cheap lettuce and manicured lawns. These people need to either be legalized or sent home (or both - sent home before being...

Also signing off from here. Thanks for the ideas and advice. Good luck to everyone with their FIRE plans. Adiós.

Charlie, I was wondering if anyone else was feeling this way. I'm not even religious and this stuff has been making me cringe. Why people can't show common decency and refrain from mocking/disparaging other people's faith is beyond me. ???

If you can pay it off in full every month, get a good "rewards" credit card. I'm using Citi Platinum Dividend Select. %5 cash back on gas/grocery/drug store purchases, 1% back on everything else. $300 max cash back per year. You can get one in your spouse's name and bump that to $600.

Hear hear. The stereotyping in this thread is really aggravating. This thread should have been locked a long time ago.

A few ideas off the top of my head of things you can do in your spare time and keep a 9-5 job. - Real estate: Landlording, flipping fixer-uppers, raw land speculation. - Trading: Stocks, options, futures - Playing poker - Living a frugal lifestyle

I don't think a stock index fund is the right place for a 63 year old who is a self described stock novice, fears loss and places capital preservation above all. Sounds like fixed income land to me.

I think it sounds like a great idea. Even if it doesn't pass the legislature it's a good first step toward a sensible immigration policy. Heck most of the Congress didn't want to even talk about it a couple years ago even though something like 80% of Americans want something done about all the...

The good thing about the Daily Reckoning is that you only need to read it for about a week. After that you've seen all they have to offer. In a nutshell, the US is going crater economically, Greenspan is an idiot and you better buy gold. They don't know when it's coming "dear reader" but they're...

I think an Infiniti would be perfect for this sort of thing. You get a very nice Japanese luxury car with all the reliability but without the Lexus premium. For some reason Infiniti has just not caught on that well. You could probably squeeze into a 2003 G35 for around 20k. Nice car! I drove one...

Here's another one for ya. Get yourself a nice doublewide on the beach for a cool $1.4 million (land not included). _________________________________________________ http://www.usatoday.com/money/perfi/housing/2005-07-05-million-dollar-trailers_x.htm MALIBU, Calif. — The crazy California real...

I refitted my PC with new motherboard, processor and RAM last November and I bought from these guys... http://www.monarchcomputer.com I had no problems. Everything came in a nice retail box with instructions and a Windows drivers CD. They even threw in a free 4 month subscription to Napster...

You don't know what you're talking about. Go ahead and have your daily two minutes hate if it makes you feel better.

Bush bicycles because he's an exercise nut. He doesn't run anymore due to a knee injury so he bikes. It's just part of his day. So he ran into somebody.. big deal, the road was slick from rain. If we're to believe that he and the U.S.A are so hated everywhere I'm sure this event doesn't make a...

Is there anything that can be done about long URLs stretching out the table widths? Makes it hard to read the latest 50 posts if you have to keep scrolling the window back and forth horizontally.

I thought about going to a CPA but I was pretty sure the numbers were right and I was already in the hole. How much do they charge for tax prep?

My wife was pretty steamed at me too. She always got about $1000 back in refunds and was none too pleased to be faced with a bill. She's fairly convinced it's my fault because I didn't have my W-4 allowances set to zero. Wait until I tell her it's "the marriage penalty" :) Oh well, we'll still...

I ran into a big problem with my 2004 income taxes. You see, when I was single I always got a nice refund check of around $600 from the Feds and $150 or so from the state. I always claimed 1 allowance on my W-4. No problems. Well I got married in late 2003 and after our first full calendar year...