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Viewing profile - richard@iwillescape.com

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richard@iwillescape.com
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Joined: Tue Apr 08, 2008 6:15 pm
Last visited: Fri Aug 08, 2008 8:29 am
Total posts: 32
[0.04% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 31 Posts / 96.88% of user’s posts ]
Most active topic: How do I make money on the internet?
[ 5 Posts / 15.62% of user’s posts ]

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Location: Global
Occupation: Banker
Interests: Entrepreneurship
Website: http://www.iwillescape.com

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richard@iwillescape.com Posts

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 Forum: Personal Finance   Topic: Thinking of buying a boat and sailing off of this rock

Posted: Wed Oct 08, 2008 9:20 pm 

Replies: 5
Views: 2241


We're all headed for what's going on in iceland. Hyperinflation. :(

 Forum: Personal Finance   Topic: Young investor, confused!

 Post subject: living debt free
Posted: Fri Aug 08, 2008 8:29 am 

Replies: 36
Views: 14011


What people don't seem to understand on this board is that low interest debt is still money that you have spent and that is costing you more, every month. It sounds simple, because it is. How much MORE do you want to pay for your education than the 15k you currently owe? It is best to pay it off as ...

 Forum: Personal Finance   Topic: How much risk to take

 Post subject: Take into consideration:
Posted: Fri Aug 08, 2008 12:04 am 

Replies: 6
Views: 3070


The buying power of the dollar. It's lost a lot of it lately. So if you're losing 10% in this down economy, (ours at work is about 15% down across the board) and tack on the 3% under-stated, government issued figure on inflation, and you're still down 13%, some estimate the true rate of inflation to...

 Forum: Personal Finance   Topic: How Did You Save for a Down Payment?

 Post subject: Discipline/Self-Auditing
Posted: Thu Aug 07, 2008 11:56 pm 

Replies: 21
Views: 8831


How much money are you spending and how much extra can you bear to stop spending? I mean are you going to starbucks everyday? Will your quality of life decrease if you reduce consumption of starbucks? Could you consume a smaller cup of coffee? Cut all costs you can such as shop your cable service, y...

 Forum: Personal Finance   Topic: More emergency fund or elsewhere?

 Post subject: Keeping your EF in Cash?
Posted: Thu Aug 07, 2008 11:34 pm 

Replies: 9
Views: 4443


I know the purpose of keeping cash on hand is that it's easy to spend, and that is something better than having in stocks or mutual funds, but the dollar's less than stellar record lately would highly concern me. I would take it down to the bank and buy Euros with it and put my euros in my safe. OR ...

 Forum: Personal Finance   Topic: Traveling - How to Carry Money?

 Post subject: debit card...
Posted: Thu Aug 07, 2008 11:28 pm 

Replies: 7
Views: 3041


Unless you're in a different country than the one you live in, just use you're visa logo debit card. You can always do cash back. I went through mexico with over 1500 dollars in my bag driving through very dangerous areas and I was fine. I just brought it every where I went. You could always do that...

 Forum: Personal Finance   Topic: young investor not quite sure what to do with his money

 Post subject: Here's what I'd invest in:
Posted: Thu Aug 07, 2008 11:25 pm 

Replies: 3
Views: 2080


Well the stock market is still over priced. If you don't know anything about foreign economies, which is of course, incredibly difficult to learn about, I would spend 27 dollars on a book by Peter Schiff called Crash-proof how to profit from the coming economic collapse. It has quite a few charts an...

 Forum: Success Stories   Topic: In a year and a half I paid of 15k in deb...

Posted: Sat Aug 02, 2008 9:28 pm 

Replies: 8
Views: 9786


In a little over a year and a half I paid off 15k in credit card debt, saved up 14 more, bought a house, and married the girl of my dreams! Started a company with my parents that now owns six rental properties... and hope to start another company this year. I also started a blog, http://www.iwillesc...

 Forum: Personal Finance   Topic: Young, Confused, & In Debt!

Posted: Sat Aug 02, 2008 9:22 pm 

Replies: 19
Views: 8173


You my friend, are more brave than I am. I couldn't have handle 15k of debt, let alone 80k. The good news is you have a college education and hopefully your degree allows you to earn a high income so you can pay it down more quickly. Won't your salary increase over the next few years?

 Forum: Personal Finance   Topic: Mobile homes

 Post subject: As a minimilist -
Posted: Sat Aug 02, 2008 9:17 pm 

Replies: 16
Views: 6352


I am a minimalist when it comes to what I need. Very simple. I say, buy the mobile home. It's better to buy one of those than to RENT anything. Have you checked out the FHA? If you're mid-score is higher than 590 you should be ok. In this sense, you do barely qualify. It depends on what is effecting...

 Forum: Personal Finance   Topic: Need Help Saving

Posted: Sat Aug 02, 2008 9:06 pm 

Replies: 13
Views: 4769


Is that inflation is moving at anywhere from 3% to 12% depending on which economist or government agency you're talking to. Some articles on Yahoo recently were saying to get ready for up to 6%... so any savings account you're putting your money into is still losing value, or in the very best case s...

 Forum: Personal Finance   Topic: The end of the credit road

 Post subject: Easy Credit:
Posted: Mon Jul 14, 2008 11:45 pm 

Replies: 69
Views: 22184


What do you people think is going to happen when the FED is forced to raise interest rates? Mexico and The EU, Korea, Thailand, Chili, dominican islands have, eventually we will too. And all those people who were on the edge, are now going to be pushed over. The banks will lose billions on unsecured...

 Forum: Personal Finance   Topic: is wamu next?

 Post subject: is wamu next?
Posted: Mon Jul 14, 2008 11:09 pm 

Replies: 16
Views: 6068


After the collapse of Bearstearns, Indymac, and the near failures of freddymac and Fanniemae, I've become quite concerned about the solvency of other banks. Looking at the evidence, WAMU appears to be next. While I can't be certain, If I had any money over there I'd pull it out now just to be on the...

 Forum: Personal Finance   Topic: frugal weddings & resources for planning

 Post subject: Cheap Weddings
Posted: Sun Jun 01, 2008 12:00 pm 

Replies: 57
Views: 30005


I am getting married in September and it has been such a challenge to do things for under 5k. I have about 11k in savings for both emergency fund, wedding, and house down payment. Fortunately the down payment is being reimbursed by the seller because of the crappy housing market in CA. My fiancee an...
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