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Friday, March 29, 2024   
 
Articles written by Scott Bilker
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Getting Your Overpayment Refund Getting Your Overpayment Refund
by Scott Bilker
I took out a debt consolidation loan to pay off five creditors. The loan company wrote checks directly to the creditors. The process took three months and by the time the checks arrived at the creditors my balances were less than the checks. Now a few creditors owe me because my payment was more than the balance! All but one has paid. They owe me $179.00, too much money to walk away from. How do I get the money back?
 
Household Math™: Early Mortgage Payoff Household Math™: Early Mortgage Payoff
by Scott Bilker
Assume a person is buying a $150,000 home at a rate of 7% interest on a 30-year loan, with the usual 20% down payment (so the loan would be $120,000). This person also has $20,000 in cash reserves. In which of these two scenarios would this person end up paying less money over the course of the loan?
 
Survey Results: "Hate" the Banks
by Scott Bilker
When you are forced into debt, the credit card banks are right there to take advantage of us! I've had enough! I'm sure you have too, so please tell me your story in the survey.
 
Household Math™: Average Daily Balance Household Math™: Average Daily Balance
by Scott Bilker
On day 1 in the month your balance is $5,000. On day 15 your payment of $2,000 is credited to your balance. The number of days in the month is 31. What is your average daily balance?
 
10 Reasons to Hate Your Credit Card Bank 10 Reasons to Hate Your Credit Card Bank
by Scott Bilker
Buying a house forces you into debt, buying a car forces you into debt, if you don't have a credit card then you don't exist because you don't have a credit history. We just can't win. And when you finally get some debt, the credit card banks are right there to take advantage of us! I've had enough! I'm sure you have too...
 
Household Math™: Coupon Shopping Household Math™: Coupon Shopping
by Scott Bilker
You have two coupons for orange juice. One is for Minute Maid the other is for Tropicana. You like, and drink, both brands. The coupon for Minute Maid is for 2 half-gallon containers for $3. The coupon for Tropicana is $4.99 for a 96-ounce container. Which orange juice is the best deal? That is, which has the best price per unit volume? Hint: there are 128 fluid ounces in one gallon.
 
Survey Results: Family Vacation
by Scott Bilker
That's $633.19 for 5 people, for 4 days. This works out to be $31.66 per person, per day ($633.19 divided by 4 days, divided by 5 people). Please let me know what you think about the cost of this vacation, and this article, by taking the survey--thank you!
 
My family vacation for $32 per person per day! My family vacation for $32 per person per day!
by Scott Bilker
That's right, $32 per person per day is what it worked out to cost for our family's April 2002 vacation. This article covers the details of all costs related to this vacation, along with photos! I think that's great price but please let me know if you think it's a thrifty, quality, vacation.
 
Early Payoff Early Payoff
by Scott Bilker
Scott, I would like to pay off my 80K-15 year, 7.74% mortgage in 8-10 years? How much per month or year do I have to make to reach this goal?
 
Household Math™: Used Car Loan Household Math™: Used Car Loan
by Scott Bilker
You're ready to go out and buy another used car. You know that the monthly payment for a $8,000 3-year loan at 8% APR is $250.70 which, is all you know you can afford. After finding the right car, which cost a more than you originally planned, plus all fees, the total amount financed is $16,000. What is the monthly payment if the rate, and term of the loan, remain the same?
 
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