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View Poll Results: Well, do you?
Yes 135 87.10%
No 8 5.16%
I hate your threads 7 4.52%
What does this have to do with Donald Trump? 5 3.23%
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Old 10-04-2016, 03:10 PM  
Prison Bitch Prison Bitch is offline
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Do you have $400 cash or in the bank?
Click here to find out what % of Americans do not:

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Old 10-04-2016, 04:20 PM   #46
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I do.

I have enough in a scenario (without dipping into my 401k) that if for some reason that I don't have a job/lose my job due to restructuring, etc., that I have a 6-8 month window in terms of savings, more or less.

No major credit card debt. Only major debt I have is a car loan. Other than that, that's all I have. (excluding your normal cell, electric, water, basic bills.)

Hoping that scenario never happens, of course.
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Old 10-04-2016, 04:21 PM   #47
KCUnited KCUnited is offline
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Originally Posted by Donger View Post
My escrow pays for property tax AND my home owner's premium. I just couldn't be bothered paying them myself. I've never given it a second thought (or a first one until now).
Same.
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Old 10-04-2016, 04:22 PM   #48
DaneMcCloud DaneMcCloud is offline
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Originally Posted by Donger View Post
It's really not enough for me to get worked up about, to be honest. Yes, everything else (life, cars, etc.) is discount bundled and I pay that every month (obviously).
That's fair. Out here, designations change so it's best that I take care of it myself.

At one point, no one would insure any of the homes in our neighborhood so I had to use an out of state insurer. But around 2007 or so, with all of the new construction happening, we went from being a "Fire Zone" to not being a fire zone, so insurers like State Farm, Farmer's and Allstate began doing business in our neighborhood.

Before that, I had like three or four different insurance companies and it was a PITA.
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Old 10-04-2016, 04:32 PM   #49
cosmo20002 cosmo20002 is offline
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Originally Posted by KCUnited View Post
The property tax is paid out of my escrow. Is that not ideal?
If you didn't, you could probably score an extra 25 cents in interest income annually if you put it in a savings account.
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Old 10-04-2016, 04:36 PM   #50
cosmo20002 cosmo20002 is offline
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Quote:
Originally Posted by Donger View Post
My escrow pays for property tax AND my home owner's premium. I just couldn't be bothered paying them myself. I've never given it a second thought (or a first one until now).
Think what you could do with that extra 25 cents. Of course, that 25 cents would be taxed, so keep in mind that is a gross amount, not net.
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Old 10-04-2016, 04:37 PM   #51
SAUTO SAUTO is offline
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I would go insane if I lived that way.

I dropped half that much drinking last night.
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Old 10-04-2016, 04:40 PM   #52
ClevelandBronco ClevelandBronco is offline
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Quote:
Originally Posted by DaneMcCloud View Post
That's fair. Out here, designations change so it's best that I take care of it myself.

At one point, no one would insure any of the homes in our neighborhood so I had to use an out of state insurer. But around 2007 or so, with all of the new construction happening, we went from being a "Fire Zone" to not being a fire zone, so insurers like State Farm, Farmer's and Allstate began doing business in our neighborhood.

Before that, I had like three or four different insurance companies and it was a PITA.
This has nothing to do with nothing, but I've been meaning to ask you whether you've ever worked with Mark Isham. An old Group 87 album was one of my favorite obscure pieces of vinyl decades ago, then I started seeing his name all over in the credits of stuff I was catching on video. Made sense to me that he'd end up there. The Group 87 album was very "visual," if that description doesn't sound like nonsense. What I mean is that I could easily imagine the scenes that he might have meant to paint with his music.
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Old 10-04-2016, 04:40 PM   #53
cosmo20002 cosmo20002 is offline
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Originally Posted by DaneMcCloud View Post
Wow. I have separate accounts for Homeowner's, Earthquake, Auto and Umbrella policies, all of which are deducted each month from my bank account.

There have been times in the past in which I've changed insurers due to deals and lower rates and I've been with Allstate for about a decade now.

When your insurance is wrapped up in an escrow account, is it still possible to get multi-policy deals and discounted rates?
Yes.
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Old 10-04-2016, 04:41 PM   #54
DaneMcCloud DaneMcCloud is offline
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Originally Posted by cosmo20002 View Post
Yes.
Why are you rolling your eyes? It was a legit question. I've owned my home for 14 years and have never put insurance or property tax in an escrow account.
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Old 10-04-2016, 04:42 PM   #55
cosmo20002 cosmo20002 is offline
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Originally Posted by DaneMcCloud View Post
Proving you've been out of touch since at least April 2006
...says guy who asked if you can still get a multi-policy discount if your premium is paid though your mortgage escrow.
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Old 10-04-2016, 04:45 PM   #56
DaneMcCloud DaneMcCloud is offline
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...says guy who asked if you can still get a multi-policy discount if your premium is paid though your mortgage escrow.
**** off, you worthless old hag
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Old 10-04-2016, 04:45 PM   #57
DaneMcCloud DaneMcCloud is offline
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Think what you could do with that extra 25 cents. Of course, that 25 cents would be taxed, so keep in mind that is a gross amount, not net.
Not shocking at all that your low rent ass would only earn .25 cents on your property tax per year.
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Old 10-04-2016, 04:46 PM   #58
DaneMcCloud DaneMcCloud is offline
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This has nothing to do with nothing, but I've been meaning to ask you whether you've ever worked with Mark Isham. An old Group 87 album was one of my favorite obscure pieces of vinyl decades ago, then I started seeing his name all over in the credits of stuff I was catching on video. Made sense to me that he'd end up there. The Group 87 album was very "visual," if that description doesn't sound like nonsense. What I mean is that I could easily imagine the scenes that he might have meant to paint with his music.
I've never worked with Mark but I've heard that he's an interesting guy
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Old 10-04-2016, 04:52 PM   #59
EPodolak EPodolak is offline
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Heh, even the guy who wrote the article doesn't have $400.
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Old 10-04-2016, 04:57 PM   #60
Fish Fish is offline
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To be fair, it's early in the month. I get paid once a month and it's the last day of each month. Hit me up the last week of each month and I am drinking natty ice and eating like a college student.
I get paid once a month as well. It was pretty tough to get used to. Especially when you hit a weird month that lands just wrong and you're going just at 5 weeks since a paycheck...
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