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Posted by TJ on Monday July 7, 2008 @ 03:56 PM
[Tags: personal, accounting, house]

My whole life I've never was in debt. Living paycheck to paycheck just wasnt my style. I've never carried a balance on my credit card. I did use student loans while in college but only to take advantage of the low interest rates and was sure to pay them off within 6 months of graduating.

Now I did make some concessions to avoid debt for 27 years:
  • I went to Community college,
  • I started out with a crappy car once I got my license even though I had 30k available to me. In fact the car couldn't even go more than 3 miles or else it overheated
  • I got a job as soon as some one would hire me at age of 16 and even had two part time jobs for most of the time while still juggling high school and college.
  • I was had to endure my friends and family calling me the cheap one because I never spent wads on toys or electronics..oh the pain.
Well now I enter the debt zone in a couple months with my first house. The 30 fixed mortgage is sure to put me in debt for along time. And the state of the economy and the housing market doesn't help ease anything. I will still not be living paycheck to paycheck as I made sure to keep more than 3 months emergency fund (on top of money for closing costs and furnishings), however, I think that I am going to make it my sole objective to pay off the mortgage in as little time as realistically possible. Now looking at my savings over the last month I could have possibly afforded a 15 year mortage, or $753/month more in mortgage payments. This of course leaves little room for unforseen circumstances and wouldnt be that smart of financial plan. But I think what I am going to do is save my money at the same pace I always have been and once I saved enough to make an extra payment I will (for instance make two payments in one month) and if I average at least 6 extra payments a year I would not only be financially free in half the time but save my self ~200k in interest. During my loan prequalification I made sure to clear up that two things were available with my loan online payments and no prepayment penalties to make paying off early easier.



Posted by TJ on Thursday July 3, 2008 @ 11:57 AM
[Tags: internet, news, business]

Wired.com said:

Judge Orders YouTube to Give All User Histories to Viacom
By Ryan Singel July 02, 2008 | 7:16:54

Google will have to turn over every record of every video watched by YouTube users, including users' names and IP addresses, to Viacom, which is suing Google for allowing clips of its copyright videos to appear on YouTube, a judge ruled Wednesday.


This can't be anything but bad news for the future of youtube.com. I think this is a huge evasion of privacy as the judge should at least ordered a censored list with no name or ip addresses.

Link: http://blog.wired.com/27bstroke6/2008/07/judge-orders-yo.html








Posted by TJ on Tuesday June 24, 2008 @ 09:30 AM
[Tags: links, vacation]

If you are going to go on a cruise you mine as well use this company. Quark expeditions is a national tour company that offers cruise expeditions to the antartic. Their fleet of ships includes icebreakers and boats with helicopters. You can go see penguins at a rate of $8,000-$30,000

http://www.quarkexpeditions.com/



Posted by TJ on Monday June 23, 2008 @ 12:51 PM
[Tags: tv, serious, rip]

What a funny guy and influence to the world of comedy

George Carlin said:
I mean, life is tough. It takes up a lot of your time. What do you get at the end of it? A Death. What's that, a bonus? I think the life cycle is all backwards. You should die first, get it out of the way. Then you live in an old age home. You get kicked out when you're too young, you get a gold watch and you go to work. You work forty years until you're young enough to enjoy your retirement. You do drugs, alcohol, you party, you get ready for high school. You go to grade school, you become a kid, you play, you have no responsibilities. You become a little baby, you go back into the womb, spend your last nine months floating... and you finish off as an orgasm.




Posted by TJ on Thursday June 19, 2008 @ 12:53 PM
[Tags: gas, rant, personal]

I am accepting applications to turn my car into a mobile billboard. I have a 2007 Honda Accord and will be willing to advertise any company you so choose in Westchester County, NY. I also frequently drive my car (about once per Month) to the NYC to visit clients.

I will charge between $100-500/Month based on size of advertisement.

Send applications to helpmygasbill@tjshomeĀ·com



Posted by TJ on Thursday June 19, 2008 @ 01:19 AM
[Tags: accounting, links, taxes]

Below is handy drop down box which will open up the website to find where your federal or state income tax refund is and when you can expect to receive your tax refund.

_
Read More...




Posted by TJ on Tuesday June 17, 2008 @ 10:25 AM
[Tags: wordoftheday, english, definitions]

I think "egregious" is a great word and should be used more often in everyday society.
dictionary.com said:
eĀ·greĀ·gious (ĭ-grē'jəs, -jē-əs)
adj.
Conspicuously bad or offensive.

As Used in sentence:
"His conduct was egregious," she said.

Source http://www.lohud.com/apps/pbcs.dll/article?AID=2008806170346



Posted by TJ on Wednesday June 4, 2008 @ 04:06 PM
[Tags: accounting, taxes, hints]

For all you home buyers out there Private Mortgage Insurance (PMI) is deductible for contracts signed in 2007 or after. This was enacted into law as part of the Homeowners Protection Act of 1998 as in effect on December 20, 2006. PMI is required for mortgage where less than 20% is put down on a home purchase.

Source: http://www.irs.gov/publications/p936/ar02.html#d0e1576

Also make have your lender cancel your PMI once your equity in the home is greater than 20%.
More: http://bankrate.com/brm/green/mtg/basics7-4a.asp?caret=38



Posted by TJ on Monday May 26, 2008 @ 03:55 PM
[Tags: free, links, craigslist]

Oddly enough craigslist is a cool place to find free stuff. Most people post the stuff because it is more convenient to give it away then throw it away. Here is some things I found:

  • free dirt delivered
  • Free desk on the street NOW
  • 2 large bags of packing peanuts
  • Free punching bag
  • Free Guinee Pig
To find free stuff in your town goto http://craigslist.org and browse the "free category" under "For Sale"



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