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A place for Get Rich Slowly readers to ask questions
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Viewing profile - spectralshift

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spectralshift
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Joined: Mon Jun 02, 2008 8:12 am
Last visited: Tue Aug 26, 2008 10:07 am
Total posts: 11
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 8 Posts / 72.73% of user’s posts ]
Most active topic: Living debt free...is it really possible?
[ 2 Posts / 18.18% of user’s posts ]

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spectralshift Posts

Search found 11 matches
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 Forum: Personal Development   Topic: What can my girlfriend do? (Future planning advice)

Posted: Tue Aug 26, 2008 10:07 am 

Replies: 7
Views: 7726


I'm very half/half on this issue. I am the kind of guy who will work hard, can learn on his own and be successful (I already have a well paying salaried career so I'm fine) but she's the total opposite in that aspect. She's very interested in certain subjects (psychology, child abuse issues, social...

 Forum: Personal Finance   Topic: Investing in mutual funds or real estate????

Posted: Wed Aug 13, 2008 8:51 am 

Replies: 32
Views: 30366


Historically, you are incorrect. RE has NOT come anywhere close to providing the same gains that the market has. Gains, perhaps, but not overall return. If memory serves, most professional investors (rather than the slew of amateurs in this current market) end up getting a return of about 8% from r...

 Forum: Personal Finance   Topic: Young investor, confused!

Posted: Wed Aug 06, 2008 3:03 pm 

Replies: 36
Views: 14011


Carry the debt, beyond a shadow of a doubt. 2.x% is so close to inflation that I can't even think of a situation it would be a horrible idea. Even consumer spending would be questionable and only because of opportunity costs. Hell, I'd say that if your finances are in order already, borrow as much a...

 Forum: Personal Finance   Topic: Married couples - joint or individual checking?

Posted: Mon Jun 30, 2008 4:24 pm 

Replies: 56
Views: 43484


We don't use allowances either, but then we aren't quite married yet (1 month and counting!). We did, however, live together for a few years, so I can't see a lot changing. Marriage is more for the family. Anyway, I was writing up a blog post on account structures, so I figured I might as well post ...

 Forum: Personal Finance   Topic: Living debt free...is it really possible?

Posted: Thu Jun 26, 2008 10:02 am 

Replies: 64
Views: 34517


1) Your mortgage payments are inflation-proof, while rent is not. If you buy a home and take out a $300,000 mortgage, your payments will vary a bit with interest rates, but 20 years later, you're still only paying $2,000/month (or whatever), even though rent costs have grown with inflation. This is...

 Forum: Personal Finance   Topic: Living debt free...is it really possible?

Posted: Wed Jun 25, 2008 2:36 pm 

Replies: 64
Views: 34517


Yes, you can live without debt... either from the start or eventually, depending on your position in life. "well maybe if your income was very high", It should be "Maybe if you spend less than you earn". The amount you earn is not the governing factor - the gap between what you e...

 Forum: Personal Finance   Topic: To MBA or not to MBA?

Posted: Fri Jun 06, 2008 4:44 pm 

Replies: 13
Views: 26058


Thanks, Andrea - I don't think it's for me, but might be a great idea for other readers. Is anyone aware of a well-reputed US program that does distance learning? BTW, by my estimate, it looks like tuition, fees, and back-and-forth air travel for this two year program would work out to over $60K+ f...

 Forum: Personal Finance   Topic: A little advice please!

Posted: Tue Jun 03, 2008 11:50 am 

Replies: 4
Views: 2789


Recently I started up an ING online savings account at 3% APY. I am planning on first paying off the $1300 debt, in the meantime I am just putting about $50 to savings per month. My question is, after I pay off this first card, would it be fair to allot extra money to savings (for emergency fund), ...

 Forum: General Discussion   Topic: How to Make 7 Million in 7 Years VS. Get Rich Slowly Blog

Posted: Mon Jun 02, 2008 12:18 pm 

Replies: 33
Views: 24388


In a race between a tortoise and a hare, the tortoise wins. I'm not sure that's accurate, or at least, it's a simple answer to a difficult problem. I would say the phrase should be "In races between tortoises and hares, the tortoises have consistent times and beat hares when they don't trip an...

 Forum: Personal Finance   Topic: What personal finance and budgeting tool should I use?

Posted: Mon Jun 02, 2008 9:00 am 

Replies: 9
Views: 4680


I'm just going to add a voice of support for using a spreadsheet, if you are already quite familiar with how they work . There is something about building the numbers up yourself that really helps internalise the impact of numbers. The spreadsheet approach is pretty burly though. People end up with ...
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