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Viewing profile - ClemsonTiger

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ClemsonTiger
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Joined: Fri Jan 11, 2008 10:23 am
Last visited: Mon Aug 06, 2012 1:43 pm
Total posts: 105
[0.12% of all posts / 0.04 posts per day]
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Most active forum: Personal Finance
[ 73 Posts / 69.52% of user’s posts ]
Most active topic: Any way out from under this car?
[ 10 Posts / 9.52% of user’s posts ]

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Southern Boy looking to make it Big

ClemsonTiger Posts

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 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Wed Jun 20, 2012 1:31 pm 

Replies: 41
Views: 5580


Hmmm...I am trying to appreciate your point of view. We both agree that parents are the key. We both agree that money doesn't equal product. We both agree that the system is over administered. I do want to clarify I do NOT think that local politicians are BETTER at policy or in any other fashion. No...

 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Wed Jun 20, 2012 10:38 am 

Replies: 41
Views: 5580


I can agree there is not a findamental difference in "what" needs to be taught. But I cant disagree strongly enough that there are 50 different ways to deliver it. Why can't SC decide to do all education through the internet etc? Let's agree to disagree about the cream rising to the top of...

 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Tue Jun 19, 2012 10:45 am 

Replies: 41
Views: 5580


I believe that we should have 50 different ways of doing it because...it will drive innovation... solutions.... best practices.... A national approach looks at a california and and south carolina and says...well california is so much larger we need to take all their special needs into consideration....

 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Mon Jun 18, 2012 7:57 am 

Replies: 41
Views: 5580


Actually, no I dont think that. I believe that cheap easy to access money from tax payers and a society that preaches that only college can lead to wealth as created a system where: education is detached from earnings, and debt is potentially never paid by some students. We are currently saying, go ...

 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Thu Jun 14, 2012 10:38 am 

Replies: 41
Views: 5580


I am ok with GPA etc being part of a metric for student loans. I recognize the whole concept of an educated work force should equate to better companies and better jobs. I just believe there is a better way to skin the cat. Having never skinned a cat in my life and not even knowing the first way thi...

 Forum: Personal Finance   Topic: Emotional decision could derail retirement

Posted: Thu Jun 14, 2012 8:51 am 

Replies: 50
Views: 7500


I think I am a terrible partner... Seriously you guys are way more supportive then I think I could be. I think for me it is all about the suddeness of and the quickness of the decision... Meaning... after a few months making decisions seems very rash to me. I would be supportive of the change but wo...

 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Thu Jun 14, 2012 7:55 am 

Replies: 41
Views: 5580


I always value spirited debate so no worries from me. One point of clarification though, i didn't say tuition should match future income. I said student loan rates should. Connecting future job prospects on the ability to repay seems a very easy to understand system that would create a more efficien...

 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Tue Jun 12, 2012 7:22 am 

Replies: 41
Views: 5580


Stannis, I agree that it would become a haven of special interest BUT I couldn't disagree more with your statement that the current system is free market. Money is being offered with no real cost to those borrowing, and no real collaterial. It is offered by the government AKA tax payers so that ever...

 Forum: Personal Finance   Topic: I'm worried...

 Post subject: Re: I'm worried...
Posted: Mon Jun 11, 2012 1:26 pm 

Replies: 41
Views: 5580


My issue is everytime I hear retoric about student loans it is as if college is the end all be all of employment...its a great investment into the future...it increases your earning potential by X amount... Readily available money and a lackluster job market make people want to consume more educatio...

 Forum: Personal Finance   Topic: Getting Started

 Post subject: Re: Getting Started
Posted: Mon Jun 11, 2012 1:09 pm 

Replies: 4
Views: 1196


Dale, I dont think given your goals that you should be investing in a single stock. I dont know if that was your intent based on your post but diversity is the key to any markets. Given that this is a retirement account and assuming a time horizon of 20 years meaning retirement at 71 versus 67. I wo...

 Forum: Personal Finance   Topic: Getting out of debt

 Post subject: Re: Getting out of debt
Posted: Mon Jun 11, 2012 12:56 pm 

Replies: 24
Views: 3795


I would recommend selling the cars. I dont think the interest rates tell the whole story here although it is the focus. The payments are also important here... I bet the vehicles represent over 6-700 a month in cash flow. At least vehicle 2 is more then I believe you should be trying to pay for. May...

 Forum: Personal Finance   Topic: Thoughts on my mortgage plan

Posted: Mon Apr 11, 2011 12:39 pm 

Replies: 24
Views: 3234


You say you are in the 32% tax bracket but shouldnt we be using our effective tax bracket versus marginal tax bracket? This would raise the calculated interested rate from 3.15 to 3.588 in the above example? I too prepay, I too am debating the wisdom of this given my expectation that inflation must ...

 Forum: Personal Finance   Topic: How much should I spend on a car?

Posted: Mon Apr 11, 2011 12:17 pm 

Replies: 17
Views: 2909


I think I need to defend myself just a little. I was not advocating you buying and selling cars as much as I do. I was trying to give advice based on my experiences owning, buying and selling more cars then most people do. My recommendation was and is option 2. However underneath option 2 there are ...

 Forum: News & Announcements   Topic: Speaking of Financial Planning and Current Market Forces

Posted: Tue Mar 29, 2011 4:31 am 

Replies: 3
Views: 11797


Sorry I might have mispoken. I actually think that Ramsey is wrong a great deal. I mean his return rates are way to high. He over simplifies and uses persuasion to get to the masses. If i am on board with carrying as little debt as I can (student loan and mortgage) keep my debt to income ratio below...
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