Personal Finance Poll of Ledgies

[David]

I thought that with all the bailout, market crash, & energy ruckus, we could have a little poll of our personal finances. It's interesting to see what sorts of situations Ledgies are in.

1. About how much do you owe in personal line-of-credit debt? Do you expect to be able to pay it off in decent time?


2. Do you owe on a car loan? Do you lease?


3. Is your mortgage loan a fixed or variable rate?


4. Do you feel stuck in a bad mortgage deal?


5. Do you buy gasoline in the early morning or the evening, believing that since gas expands in the heat of the day, you get more for your dollar when it's cooler?


6. Are you a renter hoping to buy some day? Would you ever sign a mortgage loan with no money (or very little money) down?


7. Do you have medical insurance? Through your employer? Private policy? HMO or PPO?


8. Do you have adequate savings (adequate for a rainy day, for example)?


9. Do you have a retirement account of some sort? 401(k)? IRA? Roth IRA? Annuity? Do you max out contributions or contribute what you can?


10. How often do you eat out?