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A place for Get Rich Slowly readers to ask questions
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It is currently Tue Jun 28, 2016 10:30 pm



Viewing profile - kombat

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kombat
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Joined: Tue Mar 11, 2008 12:19 pm
Last visited: Tue Jun 28, 2016 6:12 pm
Total posts: 1950
[2.19% of all posts / 0.64 posts per day]
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Most active forum: Personal Finance
[ 1335 Posts / 68.46% of user’s posts ]
Most active topic: ObamaCare (+Tangents Evolution, Religion, & Global Warming)
[ 33 Posts / 1.69% of user’s posts ]

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Location: Ottawa, Canada
Occupation: Computer programmer
Interests: Photography, finance
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kombat Posts

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 Forum: Personal Finance   Topic: Is it really possible for the average person to be debt-free

Posted: Tue Jun 21, 2016 4:06 am 

Replies: 31
Views: 22034


No, you chose to bail out your sister. If you hadn't done that, you'd have had your savings buffer, such that when your own vehicle died you might not have had to put it (at least not all) on your credit card, assuming you actually "needed" the vehicle at all. YOU choose whether or not to ...

 Forum: Tips, Tricks, Links, Pointers   Topic: Social Security Number Possibly Compromised

Posted: Thu Jun 16, 2016 8:57 am 

Replies: 9
Views: 8741


I didn't say it wasn't a pain in the ass. I said you weren't liable for a single penny of the fraudulent charges. You implied the opposite - that victims might be liable for some of the charges. You said, "Banks will absorbs some losses but that only goes so far." Your use of the word &quo...

 Forum: Tips, Tricks, Links, Pointers   Topic: Social Security Number Possibly Compromised

Posted: Wed Jun 15, 2016 1:37 pm 

Replies: 9
Views: 8741


Enigma wrote:
Banks will absorbs some losses but that only goes so far.


This is incorrect. In the US, federal law protects victims if identity theft. They are not liable for a single penny of fraudulently racked-up charges. You've been given incorrect information.

 Forum: General Discussion   Topic: Balancing work and life

 Post subject: Re: Balancing work and life
Posted: Wed Jun 15, 2016 6:11 am 

Replies: 6
Views: 1197


Can you move closer to your job? An hour each way sounds excessive to me. If you moved somewhere 15 minutes away from your work, that'd be an extra 1.5 hours of free time per day, or an entire work day (7.5 hours) every week! Imagine how much you could get done with all that extra time at home. Imag...

 Forum: Tips, Tricks, Links, Pointers   Topic: Social Security Number Possibly Compromised

Posted: Wed Jun 15, 2016 6:02 am 

Replies: 9
Views: 8741


I didn't think you needed to unfreeze your credit if someone is simply running a credit check on you - it's only when you're applying for new credit that you have to unfreeze it. How often are you applying for new credit? And why bother freezing your credit anyway? If someone opens a credit account ...

 Forum: General Discussion   Topic: Suze Orman Show ends this month

Posted: Wed Jun 15, 2016 4:11 am 

Replies: 5
Views: 9162


How is that hypocritical? What fees are associated with a debit card? Usually the vendors pay a small, fixed fee per transaction, but it doesn't cost the cardholder anything. If you'd said she came out with a credit card, I'd agree with you, but what's hypocritical about her promoting a debit card?

 Forum: Personal Finance   Topic: Credit debt

 Post subject: Re: Credit debt
Posted: Tue Jun 14, 2016 5:34 am 

Replies: 2
Views: 637


Well, you could... pay it.

 Forum: Administration   Topic: Logout Process

 Post subject: Re: Logout Process
Posted: Tue Jun 07, 2016 9:33 am 

Replies: 1
Views: 2


Moved this to the "Administration" forum, but honestly, I don't think the owners of this site ever look at the forums or care what happens here.

 Forum: Personal Finance   Topic: Secondary Income Source Assistance?

Posted: Mon Jun 06, 2016 4:17 am 

Replies: 17
Views: 7958


You're talking about a pre-nup. Their efficacy varies wildly depending on your jurisdiction.

And what does whether or not she's 10 years younger than you have to do with anything?

 Forum: Personal Finance   Topic: Creating Financial Freedom with 30% of Income?

Posted: Mon May 30, 2016 7:56 am 

Replies: 8
Views: 1415


I don't have any personal experience, no, but I'm aware of a few options you have. #1, pay the loan down as quickly as possible and keep the car until the wheels fall off. An 8 year old Nissan isn't exactly an opulent status symbol, but it does sound like you horribly overpaid. That damage is done, ...

 Forum: Personal Finance   Topic: Creating Financial Freedom with 30% of Income?

Posted: Mon May 30, 2016 4:42 am 

Replies: 8
Views: 1415


With gas, the car represents 2/3 of your entire monthly expenditures. It's an anchor on your financial well-being. Why is your insurance $400/month? That's outrageously high. And what's $50/month at the "barbershop?" To answer the question you asked, yes, I would recommend paying off that ...

 Forum: General Discussion   Topic: Wage gap affects more than income

Posted: Thu May 26, 2016 10:30 am 

Replies: 3
Views: 1673


I'm skeptical of their explanation. They blame the gender wage gap. But the gender wage gap includes married people, while the topic being focused on (home appreciation) is limited to single people. Also, the gender-based wage gap depends heavily on whether or not the person/couple has children, and...

 Forum: Fiscal Fitness Journals   Topic: My journal and the long way to financial freedom

Posted: Thu May 26, 2016 10:24 am 

Replies: 36
Views: 8444


The $2,791 includes FY2015 taxes ($364/yr), insurance ($771), and all repairs/expenses for FY2015. Right - for 2015. But what about the amortized costs of less frequent, big-ticket repairs, like the major ones I mentioned? The fact that in one single year (2015), you didn't have to replace the roof...

 Forum: Fiscal Fitness Journals   Topic: My journal and the long way to financial freedom

Posted: Thu May 26, 2016 6:17 am 

Replies: 36
Views: 8444


If I didn't have a mortgage I would be making 9.35% on my investment. But you do have a mortgage. So your calculation is invalid. It needs to include the mortgage interest you're paying. Also, I'm assuming the $2,791/year is property taxes? Do you include any utilities in the rental? What about amo...
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