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Money and Credit

Tips and advise from a retired banker, lender, and collector to help your finances and credit.

Updated: 2018-03-02T11:33:03.371-05:00


0% Balance Transfer to reduce Credit Card Balance


Some would argue that transferring credit card balances to another credit card and incurring the fees associated with doing so, is not a good idea. This is a good argument for a couple of reasons; opening new lines and increasing the amount of debt. However, if you are disciplined, you may be able to make some headway on reducing the balance owed. Here is a piece from that gives some good info. (object) (embed)

How Fast Does My New Car Depreciate?


Source: How Fast Does A New Car Lose Value

Gas or Milk......


Planning on a tax refund from the IRS in 2012? This schedule is provided by the IRS to give you an idea as to when you can expect your 2012 IRS Tax Refund after filing electronically.

2012 Irs Efile Refund Cycle Chart class="scribd_iframe_embed" src="" data-auto-height="true" data-aspect-ratio="0.781609195402299" scrolling="no" id="doc_18384" width="100%" height="600" frameborder="0">

Cast Off!


The cast came off my arm Friday!  Now for the therapy.  I cannot believe how much my arm atrophied in just 6 weeks!

It is painful to try to move my wrist; I wonder how long it will take to get my mobility back?

Over the past few weeks I've used my time to catch up on some Personal Finance Reading.  I plan on writing a post reviewing these books in the coming weeks.

Seems like quite a lot has happened in the PF world since breaking my wrist.  That's good; we'll spend some time catching up!

I start therapy tomorrow.  I hope that it is as quick as I suspect it will be painful.  What's the saying- no pain no gain?

See you soon!