Chrysler recently announced the Let’s Refuel America program which locks in gas prices at $2.99 per gallon. Here’s a clip from the press release followed by an analysis of whether the deal is worth it.
From the press release: “In response to direct customer feedback citing the prospect of rising gas prices as a top [...]
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Chrysler Gas Card
May 6th, 2008 — , Ads, Consumer Protection, Credit and Debt, Let's Refuel America, Review, chrysler, economic stimulus package, fuel prices, gas price, rising gas prices, saving from Mike @ richerbytheday
Can You Ever Be Debt Free?
May 1st, 2008 — , Credit and Debt, debt free, debt free living, going off the grid, interest free loan, mortgage debt, saving, taxes from Mike @ richerbytheday
For a long time now, I’ve been free from all non-mortgage debt. As I quickly pay off my mortgage, I can already imagine the day when it too will be gone. While some people claim to be debt free in my current situation, nearly everyone would agree that I’ll be debt free once [...]
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April 28th, 2008 — , 1099-C, 1099C, Credit and Debt, IRS, bankruptcy proceedings, debt cancellation programs, estimated tax payments, forgiven debt, form 1099, heloc, mortgage, tax payments, taxes from Mike @ richerbytheday
Creditors may forgive, but the IRS won’t forget. That’s the takeaway for many types of canceled debt. The forgiven debt is often seen as income subject to taxes.
For example, if you are unable to pay your credit card bill and negotiate with the card issuer to a reduced amount, the amount of reduction [...]
Total Cost Trumps Monthly Payment
April 10th, 2008 — , Credit and Debt, Frugal, Monthly Payment, Total Cost, budgeting, financial sense, financing, interest rate, new car, reaction, salesman, saving from Mike @ richerbytheday
All too often we look at things from their monthly cost instead of the larger, more important picture, of total cost. There were times when these were the same thing. Stores once offered payment plans on purchases that effectively amounted to the 0% interest offers of today, without the associated catches. Offers [...]
Related StoresWealth Accelerators
April 2nd, 2008 — , Credit and Debt, Net Worth, PMI, budgeting, cash flow, financial situation, heloc, high interest, insurance company, interest debt, married man, mortgage, positive cash flow, saving, single guy, two cars from Mike @ richerbytheday
There are many reasons why my finances are in good shape. In coming up with a list of those reasons, I noticed that a few were key to my getting ahead. I call these my wealth accelerators because they have had a dramatic effect on my net worth. Without these I would [...]
Related StoresIs Social Lending a Socially Responsible Investment?
March 26th, 2008 — , Credit and Debt, Investing, Lending Club, P2P Lending, anti-debt, micro loans, social lending, socially responsible investing, wage slaves from Mike @ richerbytheday
There’s no doubt that social lending is gaining in popularity and growing in numbers every day. More and more you hear of P2P lending being described as an investment because of the sizable returns that are often possible. Opinions vary about whether or not it is a good investment, but I’d like to [...]
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Continue reading → Is Social Lending a Socially Responsible Investment?
Why Cash is Still Relevant to Your Financial Plan
March 24th, 2008 — , Credit and Debt, cash flow, cash reserves, emergency fund, finance charge, heloc, reaction, saving from Mike @ richerbytheday
In the past, I have advocated building a cash emergency fund. By “cash” I mean a liquid form of money which could be actual currency, but preferably would be savings in a high yield direct bank account. There has been some insightful commentary recently that has caused me to re-evaluate my position and [...]
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Continue reading → Why Cash is Still Relevant to Your Financial Plan
Is Prepaying Your Mortgage a Mistake?
March 8th, 2008 — , Carnival, Credit and Debt, Investing, mortgage, real estate from Mike @ richerbytheday
As someone who is debt free in all other aspects of my life, it’s probably not surprising that I prepay my mortgage. By prepaying, I mean paying more than the required payment each month. This will allow me to pay off my mortgage in about a third of the time. I’ll save [...]
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