<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"
	xmlns:content="http://purl.org/rss/1.0/modules/content/"
	xmlns:dc="http://purl.org/dc/elements/1.1/"
	xmlns:atom="http://www.w3.org/2005/Atom"
	xmlns:sy="http://purl.org/rss/1.0/modules/syndication/"
		>
<channel>
	<title>Comments on: Q&amp;A: My Current Financial State</title>
	<atom:link href="http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/</link>
	<description>Common sense advice on money saving tips, how to get out of debt, high interest savings accounts, cd rates, money market accounts, mortgage rates, money management and more.</description>
	<lastBuildDate>Thu, 23 May 2013 22:58:13 +0000</lastBuildDate>
	<sy:updatePeriod>hourly</sy:updatePeriod>
	<sy:updateFrequency>1</sy:updateFrequency>
	<generator>http://wordpress.org/?v=3.0.1</generator>
	<item>
		<title>By: Mary</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2373152</link>
		<dc:creator>Mary</dc:creator>
		<pubDate>Mon, 20 Feb 2012 16:11:51 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2373152</guid>
		<description>Every time I see your blog, I think of your pending divorce.  I wish you would write a post (but don&#039;t publish it) telling everything that led up to this decision.  You&#039;ll be in your public, transparent voice and the thoughts will just spill out.  Tell everything from your side.  Then invite Kris to do the same.

Come back in a few days and reread the drafts editing if necessary.  Let Kris read yours and read Kris&#039; too.

I just got an eye opening experience writing on my blog and a message board (some is unpublished) and I learned more from that than I think years of counseling could have given me.

I think there&#039;s something powerful in our audiences - I see things differently writing on line than even in my own private journals.  Thankfully I get to decide whether I hit &quot;Publish&quot; or not.

I wish you two the best and my heart goes out to you both.</description>
		<content:encoded><![CDATA[<p>Every time I see your blog, I think of your pending divorce.  I wish you would write a post (but don&#8217;t publish it) telling everything that led up to this decision.  You&#8217;ll be in your public, transparent voice and the thoughts will just spill out.  Tell everything from your side.  Then invite Kris to do the same.</p>
<p>Come back in a few days and reread the drafts editing if necessary.  Let Kris read yours and read Kris&#8217; too.</p>
<p>I just got an eye opening experience writing on my blog and a message board (some is unpublished) and I learned more from that than I think years of counseling could have given me.</p>
<p>I think there&#8217;s something powerful in our audiences &#8211; I see things differently writing on line than even in my own private journals.  Thankfully I get to decide whether I hit &#8220;Publish&#8221; or not.</p>
<p>I wish you two the best and my heart goes out to you both.</p>
<div id="placeholer-like-2373152" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Lise</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2321072</link>
		<dc:creator>Lise</dc:creator>
		<pubDate>Mon, 06 Feb 2012 22:35:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2321072</guid>
		<description>I used freedom filer to file 28 years of family paper clutter in one weekend. It is a self-purging filing system that takes the guess work out of it. I don&#039;t have any affiliation to them, I just love the result. The one area I still need to process for paper is &quot;memory&quot; stuff. I&#039;m not going to scan in my college diploma and there are some photos I want to have tangibly, not just digitally. Working on that.</description>
		<content:encoded><![CDATA[<p>I used freedom filer to file 28 years of family paper clutter in one weekend. It is a self-purging filing system that takes the guess work out of it. I don&#8217;t have any affiliation to them, I just love the result. The one area I still need to process for paper is &#8220;memory&#8221; stuff. I&#8217;m not going to scan in my college diploma and there are some photos I want to have tangibly, not just digitally. Working on that.</p>
<div id="placeholer-like-2321072" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Rachel</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2320102</link>
		<dc:creator>Rachel</dc:creator>
		<pubDate>Mon, 06 Feb 2012 16:24:06 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2320102</guid>
		<description>Because charity came up... well, I just want to draw your attention to an organization that changes the lives of suffering children... and that made an orphan a son. (Actually, they made an orphan MY son once, but they&#039;ve made orphans part of families over 600 times since 2005) Reece&#039;s Rainbow bridges the financial gap between orphans with special needs who are being mistreated and neglected in orphanages... and families. Because of Reece&#039;s Rainbow - our son is no longer forgotten and destined to a mental institution at age 5. He is a cherished and thriving son.

www.reecesrainbow.org</description>
		<content:encoded><![CDATA[<p>Because charity came up&#8230; well, I just want to draw your attention to an organization that changes the lives of suffering children&#8230; and that made an orphan a son. (Actually, they made an orphan MY son once, but they&#8217;ve made orphans part of families over 600 times since 2005) Reece&#8217;s Rainbow bridges the financial gap between orphans with special needs who are being mistreated and neglected in orphanages&#8230; and families. Because of Reece&#8217;s Rainbow &#8211; our son is no longer forgotten and destined to a mental institution at age 5. He is a cherished and thriving son.</p>
<p><a href="http://www.reecesrainbow.org" rel="nofollow">http://www.reecesrainbow.org</a></p>
<div id="placeholer-like-2320102" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Sally JPA</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2317962</link>
		<dc:creator>Sally JPA</dc:creator>
		<pubDate>Mon, 06 Feb 2012 00:39:11 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2317962</guid>
		<description>Amy--It sounds like your situation would be a good &#039;ask the readers&#039; post. :)</description>
		<content:encoded><![CDATA[<p>Amy&#8211;It sounds like your situation would be a good &#8216;ask the readers&#8217; post. <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<div id="placeholer-like-2317962" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Amanda</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2317592</link>
		<dc:creator>Amanda</dc:creator>
		<pubDate>Sun, 05 Feb 2012 21:13:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2317592</guid>
		<description>I think volunteering time is great, but it seems like when people say they are volunteering time instead of money is a cop out. There millions of people in need in the world and probably hundreds in your own city. Time doesn&#039;t buy medicine, clothing or food. I would say that giving away even a small amount of money each month is a good way of making sure we are not in bondage to money  - no matter what our income level.</description>
		<content:encoded><![CDATA[<p>I think volunteering time is great, but it seems like when people say they are volunteering time instead of money is a cop out. There millions of people in need in the world and probably hundreds in your own city. Time doesn&#8217;t buy medicine, clothing or food. I would say that giving away even a small amount of money each month is a good way of making sure we are not in bondage to money  &#8211; no matter what our income level.</p>
<div id="placeholer-like-2317592" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Neo</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2317262</link>
		<dc:creator>Neo</dc:creator>
		<pubDate>Sun, 05 Feb 2012 19:06:36 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2317262</guid>
		<description>Enormous nest egg huh?  From that statement it seems like you sold for 8 figures.  Congrats, its a great time to be an internet entrepreneur, even better than the 90s.</description>
		<content:encoded><![CDATA[<p>Enormous nest egg huh?  From that statement it seems like you sold for 8 figures.  Congrats, its a great time to be an internet entrepreneur, even better than the 90s.</p>
<div id="placeholer-like-2317262" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Janette</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2316232</link>
		<dc:creator>Janette</dc:creator>
		<pubDate>Sun, 05 Feb 2012 13:48:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2316232</guid>
		<description>Amy-Leverage your money. You can actually write up a legal document and borrow from you inheritance. 
 Keep the money only in the name of the one who inherited. 
My sibs and I inherited a lot when we were on our 20/30&#039;s. The one who lived off it is the one kicking himself now. 
Take it slow.</description>
		<content:encoded><![CDATA[<p>Amy-Leverage your money. You can actually write up a legal document and borrow from you inheritance.<br />
 Keep the money only in the name of the one who inherited.<br />
My sibs and I inherited a lot when we were on our 20/30&#8242;s. The one who lived off it is the one kicking himself now.<br />
Take it slow.</p>
<div id="placeholer-like-2316232" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: KAD</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2314742</link>
		<dc:creator>KAD</dc:creator>
		<pubDate>Sat, 04 Feb 2012 21:19:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314742</guid>
		<description>I second the thumbs-up on circus school.  When I was given a trip to Club Med as a present, I picked one in the Turks and Caicos islands, where I could try the flying trapeze.  It was great fun!</description>
		<content:encoded><![CDATA[<p>I second the thumbs-up on circus school.  When I was given a trip to Club Med as a present, I picked one in the Turks and Caicos islands, where I could try the flying trapeze.  It was great fun!</p>
<div id="placeholer-like-2314742" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: mary w</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2314562</link>
		<dc:creator>mary w</dc:creator>
		<pubDate>Sat, 04 Feb 2012 19:04:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314562</guid>
		<description>If and when you find a charity that you want to donate $$ to you might think about donating appreciated stock.  You do it w/o selling the stock and therefore avoid capital gains.  That could help a little with your asset allocation problem.

Fidelity has a Gifttrust fund that faciliates this.  I&#039;m sure other brokerages do also.  They facilitate turning the stock into cash and giving the cash to the charity of your choosing</description>
		<content:encoded><![CDATA[<p>If and when you find a charity that you want to donate $$ to you might think about donating appreciated stock.  You do it w/o selling the stock and therefore avoid capital gains.  That could help a little with your asset allocation problem.</p>
<p>Fidelity has a Gifttrust fund that faciliates this.  I&#8217;m sure other brokerages do also.  They facilitate turning the stock into cash and giving the cash to the charity of your choosing</p>
<div id="placeholer-like-2314562" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Sam</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2314512</link>
		<dc:creator>Sam</dc:creator>
		<pubDate>Sat, 04 Feb 2012 18:52:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314512</guid>
		<description>I prefer to support animal charities too. In fact a big part of my motivation for doing well financially is so I can give much more in that direction. 

Unfortunately I have little time OR money right now, but when I&#039;m decluttering I always give my excess books &amp; other &#039;stuff&#039; to an animal charity shop to sell.</description>
		<content:encoded><![CDATA[<p>I prefer to support animal charities too. In fact a big part of my motivation for doing well financially is so I can give much more in that direction. </p>
<p>Unfortunately I have little time OR money right now, but when I&#8217;m decluttering I always give my excess books &amp; other &#8216;stuff&#8217; to an animal charity shop to sell.</p>
<div id="placeholer-like-2314512" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: guinness416</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2314402</link>
		<dc:creator>guinness416</dc:creator>
		<pubDate>Sat, 04 Feb 2012 18:03:34 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314402</guid>
		<description>I think people just take it personally, like &quot;what a way of running a marriage other than my own can work?!&quot; and don&#039;t realize how lazy and even offensive or hurtful their comments can be.  Like you, myself and my husband have also had separate finances for going on 15 years now albeit with joint savings accounts (he&#039;s a big boy and I have no need to know what he&#039;s spending his salary on) and the relationship somehow survives!</description>
		<content:encoded><![CDATA[<p>I think people just take it personally, like &#8220;what a way of running a marriage other than my own can work?!&#8221; and don&#8217;t realize how lazy and even offensive or hurtful their comments can be.  Like you, myself and my husband have also had separate finances for going on 15 years now albeit with joint savings accounts (he&#8217;s a big boy and I have no need to know what he&#8217;s spending his salary on) and the relationship somehow survives!</p>
<div id="placeholer-like-2314402" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Economically Humble</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2314172</link>
		<dc:creator>Economically Humble</dc:creator>
		<pubDate>Sat, 04 Feb 2012 16:21:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314172</guid>
		<description>You know, I don&#039;t have any friends that I can discuss financial stuff with so this blog really does a great job of demistyfying having money.  Thank you.</description>
		<content:encoded><![CDATA[<p>You know, I don&#8217;t have any friends that I can discuss financial stuff with so this blog really does a great job of demistyfying having money.  Thank you.</p>
<div id="placeholer-like-2314172" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: babysteps</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2314122</link>
		<dc:creator>babysteps</dc:creator>
		<pubDate>Sat, 04 Feb 2012 15:35:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314122</guid>
		<description>Helping my Dad clear out the house took over 2 years after my Mom passed away.  

On the radio Thursday, an eldercare specialist professed hope that boomers would be the first generation to not leave so much stuff - she thought boomers understood their heirs weren&#039;t interested in Hummel collections or 30 years of National Geographics.  Would be nice if she were right!

I wonder, JD, if your drive to neaten up before going to bed is partly that the apt is 100% your responsibility, partly your way of claiming the apt as your own personal space, and partly a way to &#039;turn over a new leaf&#039; as you (re-)enter singlehood??  Or, don&#039;t worry about the why - just embrace the new behavior :)</description>
		<content:encoded><![CDATA[<p>Helping my Dad clear out the house took over 2 years after my Mom passed away.  </p>
<p>On the radio Thursday, an eldercare specialist professed hope that boomers would be the first generation to not leave so much stuff &#8211; she thought boomers understood their heirs weren&#8217;t interested in Hummel collections or 30 years of National Geographics.  Would be nice if she were right!</p>
<p>I wonder, JD, if your drive to neaten up before going to bed is partly that the apt is 100% your responsibility, partly your way of claiming the apt as your own personal space, and partly a way to &#8216;turn over a new leaf&#8217; as you (re-)enter singlehood??  Or, don&#8217;t worry about the why &#8211; just embrace the new behavior <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':)' class='wp-smiley' /> </p>
<div id="placeholer-like-2314122" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: El Nerdo</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2314072</link>
		<dc:creator>El Nerdo</dc:creator>
		<pubDate>Sat, 04 Feb 2012 15:22:35 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314072</guid>
		<description>I think he meant &quot;$100 a day&quot; :D

http://www.getrichslowly.org/blog/2011/09/24/a-minor-mistake-shopping-while-hungry/</description>
		<content:encoded><![CDATA[<p>I think he meant &#8220;$100 a day&#8221; <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_biggrin.gif' alt=':D' class='wp-smiley' /> </p>
<p><a href="http://www.getrichslowly.org/blog/2011/09/24/a-minor-mistake-shopping-while-hungry/" rel="nofollow">http://www.getrichslowly.org/blog/2011/09/24/a-minor-mistake-shopping-while-hungry/</a></p>
<div id="placeholer-like-2314072" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: El Nerdo</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2314062</link>
		<dc:creator>El Nerdo</dc:creator>
		<pubDate>Sat, 04 Feb 2012 15:16:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314062</guid>
		<description>Karma, shawarma, prosciutto di Parma... should I type those in all-caps for effect?  SHAWARMA!  It&#039;s tasty.

Look: in case of trouble I&#039;d much rather rely on a government program than on handouts from well-meaning people with missionary agendas.  The last thing I want is for someone to say a prayer over my canned goods. Kindly pass the SNAP card and keep your beliefs to yourself. I&#039;ll also take socialized medicine over religious health care that will refuse my family contraception.

Here&#039;s an article about the real motivations behind a lot of charity:  

http://www.slate.com/articles/arts/the_undercover_economist/2006/10/charity_is_selfish.html

Now, don&#039;t get me wrong here, I&#039;m not against helping others; my own mother volunteers in a cancer hospital in a 3rd world country, but a) she doesn&#039;t get a tax deduction from it and b) it&#039;s 3rd world country with not enough money to go around for everybody&#039;s needs.  And c) no, she doesn&#039;t get in other people&#039;s faces about volunteering or helping or whatever-- she just does it quietly and cheerfully in her own time.

Preachy people: please be charitable to our ears and curb your sanctimony. If you love to give, please do so quietly and not for the public exposure or the pharisaic ego trip, and don&#039;t use your charity as an excuse to demand that needed government programs be cut.  Having a bake sale to purchase classroom supplies  doesn&#039;t magically make things right with your school district, but a tax hike targeted to support education just might.

--

I&#039;m aware this is a cranky reply to a comment I find irritating (even after I took deep breaths and edited out the harshest parts), but it would be nice to have a rational conversation about the pros and cons of charity vs. taxation or other mechanisms to address social problems.</description>
		<content:encoded><![CDATA[<p>Karma, shawarma, prosciutto di Parma&#8230; should I type those in all-caps for effect?  SHAWARMA!  It&#8217;s tasty.</p>
<p>Look: in case of trouble I&#8217;d much rather rely on a government program than on handouts from well-meaning people with missionary agendas.  The last thing I want is for someone to say a prayer over my canned goods. Kindly pass the SNAP card and keep your beliefs to yourself. I&#8217;ll also take socialized medicine over religious health care that will refuse my family contraception.</p>
<p>Here&#8217;s an article about the real motivations behind a lot of charity:  </p>
<p><a href="http://www.slate.com/articles/arts/the_undercover_economist/2006/10/charity_is_selfish.html" rel="nofollow">http://www.slate.com/articles/arts/the_undercover_economist/2006/10/charity_is_selfish.html</a></p>
<p>Now, don&#8217;t get me wrong here, I&#8217;m not against helping others; my own mother volunteers in a cancer hospital in a 3rd world country, but a) she doesn&#8217;t get a tax deduction from it and b) it&#8217;s 3rd world country with not enough money to go around for everybody&#8217;s needs.  And c) no, she doesn&#8217;t get in other people&#8217;s faces about volunteering or helping or whatever&#8211; she just does it quietly and cheerfully in her own time.</p>
<p>Preachy people: please be charitable to our ears and curb your sanctimony. If you love to give, please do so quietly and not for the public exposure or the pharisaic ego trip, and don&#8217;t use your charity as an excuse to demand that needed government programs be cut.  Having a bake sale to purchase classroom supplies  doesn&#8217;t magically make things right with your school district, but a tax hike targeted to support education just might.</p>
<p>&#8211;</p>
<p>I&#8217;m aware this is a cranky reply to a comment I find irritating (even after I took deep breaths and edited out the harshest parts), but it would be nice to have a rational conversation about the pros and cons of charity vs. taxation or other mechanisms to address social problems.</p>
<div id="placeholer-like-2314062" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Leo</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2314012</link>
		<dc:creator>Leo</dc:creator>
		<pubDate>Sat, 04 Feb 2012 14:52:43 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2314012</guid>
		<description>Hi, J.D.! On regarding not knowing where you&#039;re heading to and finding it fun... You made me smile :-) Just because I had that feeling my whole life and didn&#039;t feel like fun, but more as breaks (as in a car meaning), strangely incapacitating me from doing &quot;relevant things&quot;. But, from my (few) good times of feeling &quot;there is no route marked! I can go where I want to go!&quot; I understand what you mean!

Best wishes for you from across the Atlantic! I&#039;m a long time reader, although I rarely post a comment. Wanted to say &quot;thanks for sharing!&quot;. Real life examples are the most inspiring ones and often make us rethink our own lifes (many times beyond financial frame).

P.S. Being Portuguese, I also smile reading about 15% tax rates. But Lisbon is a nice city, have you ever visited? :-)</description>
		<content:encoded><![CDATA[<p>Hi, J.D.! On regarding not knowing where you&#8217;re heading to and finding it fun&#8230; You made me smile <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' />  Just because I had that feeling my whole life and didn&#8217;t feel like fun, but more as breaks (as in a car meaning), strangely incapacitating me from doing &#8220;relevant things&#8221;. But, from my (few) good times of feeling &#8220;there is no route marked! I can go where I want to go!&#8221; I understand what you mean!</p>
<p>Best wishes for you from across the Atlantic! I&#8217;m a long time reader, although I rarely post a comment. Wanted to say &#8220;thanks for sharing!&#8221;. Real life examples are the most inspiring ones and often make us rethink our own lifes (many times beyond financial frame).</p>
<p>P.S. Being Portuguese, I also smile reading about 15% tax rates. But Lisbon is a nice city, have you ever visited? <img src='http://www.getrichslowly.org/blog/wp-includes/images/smilies/icon_smile.gif' alt=':-)' class='wp-smiley' /> </p>
<div id="placeholer-like-2314012" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Slackerjo</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2313912</link>
		<dc:creator>Slackerjo</dc:creator>
		<pubDate>Sat, 04 Feb 2012 13:32:56 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2313912</guid>
		<description>Maybe it&#039;s time to bite the bullet and hire a professional organizer to help you deal with your &quot;stuff&quot; problem once and for all. Think of it as a sanity investment.</description>
		<content:encoded><![CDATA[<p>Maybe it&#8217;s time to bite the bullet and hire a professional organizer to help you deal with your &#8220;stuff&#8221; problem once and for all. Think of it as a sanity investment.</p>
<div id="placeholer-like-2313912" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: bon</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2313072</link>
		<dc:creator>bon</dc:creator>
		<pubDate>Sat, 04 Feb 2012 08:07:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2313072</guid>
		<description>JD, 

Thanks so much for being so forthcoming these past few weeks.  I actually strayed from GRS for a while but have been coming back daily now because I&#039;m really interested in what you are going through.

I would also like to hear a lot more about handling the &quot;nestegg&quot; my husband and I have been...er... incubating? one for a while and it is getting surprisingly big (although I know it doesn&#039;t compete with yours).  

I&#039;d love to read and discuss more of this, but there are some inherent difficulties - 1, I know some readers find it difficult to relate to and 2, it&#039;s okay to talk about your debt and financial struggles online, but I believe there&#039;s a lot of baggage (some very valid, some not so valid) associated with talking candidly about wealth.  I think there are some bloggers out there who do it, but few who do it well.  I hope you continue to talk candidly (ideally even more candidly!) about your current perspective.</description>
		<content:encoded><![CDATA[<p>JD, </p>
<p>Thanks so much for being so forthcoming these past few weeks.  I actually strayed from GRS for a while but have been coming back daily now because I&#8217;m really interested in what you are going through.</p>
<p>I would also like to hear a lot more about handling the &#8220;nestegg&#8221; my husband and I have been&#8230;er&#8230; incubating? one for a while and it is getting surprisingly big (although I know it doesn&#8217;t compete with yours).  </p>
<p>I&#8217;d love to read and discuss more of this, but there are some inherent difficulties &#8211; 1, I know some readers find it difficult to relate to and 2, it&#8217;s okay to talk about your debt and financial struggles online, but I believe there&#8217;s a lot of baggage (some very valid, some not so valid) associated with talking candidly about wealth.  I think there are some bloggers out there who do it, but few who do it well.  I hope you continue to talk candidly (ideally even more candidly!) about your current perspective.</p>
<div id="placeholer-like-2313072" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: J.D. Roth</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2312952</link>
		<dc:creator>J.D. Roth</dc:creator>
		<pubDate>Sat, 04 Feb 2012 07:25:13 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312952</guid>
		<description>Some of my more perceptive friends have been recommending books to me lately. Many are books I would have dismissed as pop psychology trash even a year ago, but now I&#039;m enthralled by them. In each, I find a core of truth.

For instance, I&#039;m now reading &quot;The Power of Now&quot; (or, rather, listening to the Spanish audiobook version). The section I just read/audited completely nailed one element of my personal philosophy that I&#039;ve adopted since late September. That is, I try to be completely in the moment whenever I&#039;m with somebody else. I put away my cell phone. I put away my computer. I focus only on them and on the conversation. This seems simple, but it has completely revolutionized how I deal with people. I am present in the moment. I am now. And that&#039;s part of what&#039;s going on with my change to a goal-less life. (Leo from Zen Habits is doing something like this too, I think.) I&#039;m focusing on who I am &lt;i&gt;now&lt;/i&gt; and what I need &lt;i&gt;now&lt;/i&gt;. Sure, I still have a mind for the future, but most of my efforts are tied up with making sure I&#039;m happy and healthy in the present. Because, as Eckhart Tolle (and Juleita Venegas) says, the present is the only thing there is.</description>
		<content:encoded><![CDATA[<p>Some of my more perceptive friends have been recommending books to me lately. Many are books I would have dismissed as pop psychology trash even a year ago, but now I&#8217;m enthralled by them. In each, I find a core of truth.</p>
<p>For instance, I&#8217;m now reading &#8220;The Power of Now&#8221; (or, rather, listening to the Spanish audiobook version). The section I just read/audited completely nailed one element of my personal philosophy that I&#8217;ve adopted since late September. That is, I try to be completely in the moment whenever I&#8217;m with somebody else. I put away my cell phone. I put away my computer. I focus only on them and on the conversation. This seems simple, but it has completely revolutionized how I deal with people. I am present in the moment. I am now. And that&#8217;s part of what&#8217;s going on with my change to a goal-less life. (Leo from Zen Habits is doing something like this too, I think.) I&#8217;m focusing on who I am <i>now</i> and what I need <i>now</i>. Sure, I still have a mind for the future, but most of my efforts are tied up with making sure I&#8217;m happy and healthy in the present. Because, as Eckhart Tolle (and Juleita Venegas) says, the present is the only thing there is.</p>
<div id="placeholer-like-2312952" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: J.D. Roth</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2312932</link>
		<dc:creator>J.D. Roth</dc:creator>
		<pubDate>Sat, 04 Feb 2012 07:21:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312932</guid>
		<description>I love this idea. Thanks, Aqua. I&#039;ll keep my eyes open for opportunities like this.</description>
		<content:encoded><![CDATA[<p>I love this idea. Thanks, Aqua. I&#8217;ll keep my eyes open for opportunities like this.</p>
<div id="placeholer-like-2312932" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Andrea from Become a Consultant Blog</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2312862</link>
		<dc:creator>Andrea from Become a Consultant Blog</dc:creator>
		<pubDate>Sat, 04 Feb 2012 06:24:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312862</guid>
		<description>You&#039;re projecting 10x annual earnings? Usually, websites are sold based on 12x monthly earnings (which would be 1x annual earnings). There might be more if there is an especially good list or unmonetized traffic and if the site can run without the principal. Take a look at a site like Flippa.com, if you want to get an idea of valuations. That being said, the true value is whatever someone will pay you. It&#039;s possible that JD sold his site for a lot more than that, as there were some high profile sales in 2009 that fetched into the millions.</description>
		<content:encoded><![CDATA[<p>You&#8217;re projecting 10x annual earnings? Usually, websites are sold based on 12x monthly earnings (which would be 1x annual earnings). There might be more if there is an especially good list or unmonetized traffic and if the site can run without the principal. Take a look at a site like Flippa.com, if you want to get an idea of valuations. That being said, the true value is whatever someone will pay you. It&#8217;s possible that JD sold his site for a lot more than that, as there were some high profile sales in 2009 that fetched into the millions.</p>
<div id="placeholer-like-2312862" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Andrea from Become a Consultant Blog</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2312852</link>
		<dc:creator>Andrea from Become a Consultant Blog</dc:creator>
		<pubDate>Sat, 04 Feb 2012 06:14:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312852</guid>
		<description>JD, I&#039;m with you on the charity thing. A few years ago, I was profiled in a financial makeover article. Fortunately, there wasn&#039;t much to makeover. But the newspaper made me say I donated a certain amount to charity each month. I do donate to charity. But I primarily invest my time. I believe my time is very valuable. But the newspaper would not accept this. So I had to say I donated X% a year. Really, I donate time that is probably worth around 20% of my income a year, were I to calculate it at my consulting rate. 

The other thing I do is to quote full price on work I do for charity and then donate back, rather than giving them a discount. It makes it clear that my time has value and it also gives the organization help in making their financial numbers.</description>
		<content:encoded><![CDATA[<p>JD, I&#8217;m with you on the charity thing. A few years ago, I was profiled in a financial makeover article. Fortunately, there wasn&#8217;t much to makeover. But the newspaper made me say I donated a certain amount to charity each month. I do donate to charity. But I primarily invest my time. I believe my time is very valuable. But the newspaper would not accept this. So I had to say I donated X% a year. Really, I donate time that is probably worth around 20% of my income a year, were I to calculate it at my consulting rate. </p>
<p>The other thing I do is to quote full price on work I do for charity and then donate back, rather than giving them a discount. It makes it clear that my time has value and it also gives the organization help in making their financial numbers.</p>
<div id="placeholer-like-2312852" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: PFM</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2312542</link>
		<dc:creator>PFM</dc:creator>
		<pubDate>Sat, 04 Feb 2012 04:16:53 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312542</guid>
		<description>It takes a lot of will power to not spend a windfall, glad to hear you&#039;re doing the right thing, looking forward to future posts</description>
		<content:encoded><![CDATA[<p>It takes a lot of will power to not spend a windfall, glad to hear you&#8217;re doing the right thing, looking forward to future posts</p>
<div id="placeholer-like-2312542" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Cindy</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2312532</link>
		<dc:creator>Cindy</dc:creator>
		<pubDate>Sat, 04 Feb 2012 04:13:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312532</guid>
		<description>J.D., your money is important to you. Donating a share of it, however small, says that those causes are important, too.
   I&#039;m not putting down volunteering; it&#039;s also important. The point is, though, that one way to acknowledge the importance of a cause is to give both -- money AND volunteering. In a way, then, you&#039;re giving everything! 
   I get very, very tired of hearing about celebrities who donate a million dollars to something -- then you find out they got 20 or 30 million for their last film role, or they made 14 million for just a year&#039;s income. Sure, a million&#039;s nice...but it&#039;s not an appreciable chunk of their income. If they gave a good-sized chunk PLUS their time, that would be something. 
   Just think how the world could be enriched if we all gave back even as little as 10 percent!</description>
		<content:encoded><![CDATA[<p>J.D., your money is important to you. Donating a share of it, however small, says that those causes are important, too.<br />
   I&#8217;m not putting down volunteering; it&#8217;s also important. The point is, though, that one way to acknowledge the importance of a cause is to give both &#8212; money AND volunteering. In a way, then, you&#8217;re giving everything!<br />
   I get very, very tired of hearing about celebrities who donate a million dollars to something &#8212; then you find out they got 20 or 30 million for their last film role, or they made 14 million for just a year&#8217;s income. Sure, a million&#8217;s nice&#8230;but it&#8217;s not an appreciable chunk of their income. If they gave a good-sized chunk PLUS their time, that would be something.<br />
   Just think how the world could be enriched if we all gave back even as little as 10 percent!</p>
<div id="placeholer-like-2312532" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Pam</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2312482</link>
		<dc:creator>Pam</dc:creator>
		<pubDate>Sat, 04 Feb 2012 03:47:31 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312482</guid>
		<description>Having taken circus classes - and not learning to juggle despite my best attempts I can only say go for it! I loved them.</description>
		<content:encoded><![CDATA[<p>Having taken circus classes &#8211; and not learning to juggle despite my best attempts I can only say go for it! I loved them.</p>
<div id="placeholer-like-2312482" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Jason</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2312472</link>
		<dc:creator>Jason</dc:creator>
		<pubDate>Sat, 04 Feb 2012 03:47:17 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312472</guid>
		<description>Good call on teaching 35 Latina women.  I&#039;m sure at least one of them will want a date! Smart move!!</description>
		<content:encoded><![CDATA[<p>Good call on teaching 35 Latina women.  I&#8217;m sure at least one of them will want a date! Smart move!!</p>
<div id="placeholer-like-2312472" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Jacq</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2312442</link>
		<dc:creator>Jacq</dc:creator>
		<pubDate>Sat, 04 Feb 2012 03:28:18 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312442</guid>
		<description>I&#039;m not sure how the &quot;windfall&quot; was taxed, but believe me - when you&#039;re paying close to 6 figures in taxes - which go to support social programs - you&#039;re probably contributing a lot more to humanity than other people who purport to be working 80 hours and making far less income.  Just sayin&#039;.</description>
		<content:encoded><![CDATA[<p>I&#8217;m not sure how the &#8220;windfall&#8221; was taxed, but believe me &#8211; when you&#8217;re paying close to 6 figures in taxes &#8211; which go to support social programs &#8211; you&#8217;re probably contributing a lot more to humanity than other people who purport to be working 80 hours and making far less income.  Just sayin&#8217;.</p>
<div id="placeholer-like-2312442" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Leah</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-1/#comment-2312402</link>
		<dc:creator>Leah</dc:creator>
		<pubDate>Sat, 04 Feb 2012 03:19:27 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312402</guid>
		<description>I&#039;m totally a renting person!  I don&#039;t like to be tied down to one place.  Now, we have housing provided by work (a boarding school).  But if we didn&#039;t, I&#039;d still be renting.  When I get that itch, I don&#039;t want to have to deal with the whole mess of selling a house.  Plus, having to fix the house, upkeep, etc?  Also not my bag.

I expect I&#039;ll own a house at some point, and I think a little part of me will be really sad then.</description>
		<content:encoded><![CDATA[<p>I&#8217;m totally a renting person!  I don&#8217;t like to be tied down to one place.  Now, we have housing provided by work (a boarding school).  But if we didn&#8217;t, I&#8217;d still be renting.  When I get that itch, I don&#8217;t want to have to deal with the whole mess of selling a house.  Plus, having to fix the house, upkeep, etc?  Also not my bag.</p>
<p>I expect I&#8217;ll own a house at some point, and I think a little part of me will be really sad then.</p>
<div id="placeholer-like-2312402" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Kat</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2312362</link>
		<dc:creator>Kat</dc:creator>
		<pubDate>Sat, 04 Feb 2012 03:08:46 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312362</guid>
		<description>Can I just say JD, I truly sympathize with you, and I&#039;m happy for you. While your news of your divorce was sad, the tone of your articles is different-like you&#039;re happier now that the decision is made, and a huge weight is off your shoulders. 

I completely relate to the not knowing, or caring, about the direction you are going. I was always so goal oriented, and after a friend passed away, I stopped going-going-going, and focused more on just BEING for a while. It just was a vast shift in my priorities and outlook. 

Like the saying goes....I don&#039;t know where I&#039;m going, but I know I&#039;m going somewhere.

Best of luck to you, and congratulations on your success.</description>
		<content:encoded><![CDATA[<p>Can I just say JD, I truly sympathize with you, and I&#8217;m happy for you. While your news of your divorce was sad, the tone of your articles is different-like you&#8217;re happier now that the decision is made, and a huge weight is off your shoulders. </p>
<p>I completely relate to the not knowing, or caring, about the direction you are going. I was always so goal oriented, and after a friend passed away, I stopped going-going-going, and focused more on just BEING for a while. It just was a vast shift in my priorities and outlook. </p>
<p>Like the saying goes&#8230;.I don&#8217;t know where I&#8217;m going, but I know I&#8217;m going somewhere.</p>
<p>Best of luck to you, and congratulations on your success.</p>
<div id="placeholer-like-2312362" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
	<item>
		<title>By: Aqua</title>
		<link>http://www.getrichslowly.org/blog/2012/02/03/qa-my-current-financial-state/comment-page-2/#comment-2312192</link>
		<dc:creator>Aqua</dc:creator>
		<pubDate>Sat, 04 Feb 2012 01:59:52 +0000</pubDate>
		<guid isPermaLink="false">http://www.getrichslowly.org/blog/?p=121182#comment-2312192</guid>
		<description>Also, it sounds like your apartment is pretty well located in portland. Have you looked into doing an apartment swap with someone in another country for a weeks (or longer) at a time?  Since you can blog anywhere that would be a cost effective way to see the world on a tight budget. I know that there are web sites dedicated to matching people up.</description>
		<content:encoded><![CDATA[<p>Also, it sounds like your apartment is pretty well located in portland. Have you looked into doing an apartment swap with someone in another country for a weeks (or longer) at a time?  Since you can blog anywhere that would be a cost effective way to see the world on a tight budget. I know that there are web sites dedicated to matching people up.</p>
<div id="placeholer-like-2312192" class="likediv"><p>loading....</p></div>]]></content:encoded>
	</item>
</channel>
</rss>
