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Apr
29
comment Do I pay a zero % loan before another to clear both loans faster?
Ben: I did the evaluation of used vs new, and the new was better both times for me. It may not be better for everyone.
Apr
28
comment Do I pay a zero % loan before another to clear both loans faster?
You're incorrect about 0% loans not being "free money". If you buy a new car at 0%, you're getting "free money". Whether or not a new car is of appropriate value to you is an entirely different question. I've done 0% on new cars twice - the new car was worth it both times to me, and I got the employee/partner price both times, so I got the lowest the dealer would go each time.
Apr
28
comment Do I pay a zero % loan before another to clear both loans faster?
Paying off a loan doesn't hurt your credit score
Apr
28
comment Do I pay a zero % loan before another to clear both loans faster?
Penalties for overpaying loans still exist in the UK? I haven't seen that in the US in my lifetime
Apr
27
awarded  Popular Question
Mar
31
comment If the IRS asks for a proof for a medical expenditure, can we provide a scan, or do we have to provide the original receipts?
@Aganju - the IRS has accepted digital copies of receipts for expense reports for most of the 21st century, at least. And they prefer digital copies of most other documents, too (every return, for example, is efile processed - even the paper ones (they're entered by seasonal employees and processed electronically afterwards)).
Mar
31
comment Student loan repayment plan
have you considered a consolidation loan (you can only do it once - but it's often worth it)?
Mar
8
comment Why can you not have more than one car or homeowners insurance policy?
with life insurance policies (at least the ones I have), they all pay the face value in the event of my untimely demise
Mar
8
asked Why can you not have more than one car or homeowners insurance policy?
Feb
5
comment Should I pay off a 0% car loan?
@MatthewSteeples - I've purchased some vehicles on the "partner code" or "employee pricing" discount: and still qualified for the 0% financing. That cost is the lowest a dealer is going to go in selling a new vehicle. Of course, used vehicles are a different story entirely.
Feb
5
comment Is paying off your mortage a #1 personal finance priority?
@Jack Aidley - you just agreed with me by restating what I said. You've paid interest while you've had the mortgage. Which is what I said, and you said, too.
Feb
4
comment Is paying off your mortage a #1 personal finance priority?
@JackAidley - that 25k in increase isn't all yours: some of it is, but you've been paying interest on the mortgage the whole while you've had it, so it's a fraction (possibly large, possibly small) of the 25k improvement
Jan
28
comment In the USA, why is the Free File software only available for people earning less than $62k?
@david - what makes you think that people earning >$62k are likely to owe money to the IRS?
Jan
28
comment Do I need Personal Injury Protection if we have great health insurance?
@Comptonburger - I've gone through this literally dozens of times. Every time I've looked at higher coverages, my premiums quoted have dropped.
Jan
28
comment Do I need Personal Injury Protection if we have great health insurance?
@Comptonburger - I didn't get scammed, but nice try. It has been true at every insurance company I've ever had.
Jan
27
comment Where do i start to become a successful day trader?
at 18 years old, if you think day trading is your "last hope for happiness", you are wrong: you've probably got 50-60 years of life left (~4x as long as you've already been alive) ... the odds that you're not going to find something else to be interested in is remarkably small
Jan
27
answered Do I need Personal Injury Protection if we have great health insurance?
Dec
28
revised I am thinking about cancelling my car insurance. Will there be any hidden costs down the road?
"charge" not "change"; formatting to hit the proper number of characters
Dec
28
suggested approved edit on I am thinking about cancelling my car insurance. Will there be any hidden costs down the road?
Nov
19
answered Are car insurances in some states (in USA) typically sold for 6 months at a time?