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

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simplenation
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Joined: Wed Dec 31, 2008 2:56 pm
Last visited: Sat Aug 01, 2009 6:21 am
Total posts: 14
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 13 Posts / 92.86% of user’s posts ]
Most active topic: Concerning Student Loans, Investments, and Difficult Decisio
[ 4 Posts / 28.57% of user’s posts ]

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simplenation Posts

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 Forum: Personal Finance   Topic: Concerning Student Loans, Investments, and Difficult Decisio

Posted: Sat Aug 01, 2009 6:12 am 

Replies: 10
Views: 2182


I guess there are several variables to consider. One questions that comes to mind is car insurance. Would you be paying this yourself or would you be getting help from your parents or family? It'll be much less expensive to insure something that's paid for in full. A quick story if you will lol. I'm...

 Forum: Personal Finance   Topic: Concerning Student Loans, Investments, and Difficult Decisio

Posted: Fri Jul 31, 2009 12:15 pm 

Replies: 10
Views: 2182


What are your thoughts about avoiding the car loan and using part of your savings to pick up a beater for the next two years?

 Forum: Personal Finance   Topic: Car troubles, credit card debt, loans and emergency funds

Posted: Fri Jul 31, 2009 10:34 am 

Replies: 4
Views: 1711


I wouldn't suggest touching the emergency fund either. In this situation the only way you would want to use your emergency fund is if your car broke and required repair or if your car kicked the can and you decided to buy an inexpensive car in cash ($1000 car) to get you from a to b. If your car run...

 Forum: Personal Finance   Topic: Transitioning from student to real life

Posted: Fri Jul 31, 2009 10:28 am 

Replies: 6
Views: 1584


Congrats on Grad School! I think the number one thing you need to do above all other is prioritize your goals and future plans. Saving for retirement is extremely important but before you beging investing and saving I would come up with a plan to build pay off debt and create some sort of emergency ...

 Forum: Personal Finance   Topic: "Cash for Clunkers" Temptation!

Posted: Fri Jul 31, 2009 10:07 am 

Replies: 19
Views: 3873


If you have no other debt beside your home mortage it might be an ok move to make. How much is the honda fit running new, 17-18k? minus 4500 .. 13-15k? From a frugal stand point.. a 5-8k car would probably be a major upgrade over your current car and would allow you to avoid any additional debt. If ...

 Forum: Personal Finance   Topic: Concerning Student Loans, Investments, and Difficult Decisio

Posted: Fri Jul 31, 2009 8:46 am 

Replies: 10
Views: 2182


I would suggest holding off on investing until your debts are paid off. Any additional money that you have or come across should be used to either pay down your debt faster or used to avoid creating additional debt. In my opinion if your aggressive with paying off debt then you'll be even more aggre...

 Forum: Personal Finance   Topic: Should I sell my TV & DVD player or hold onto them ?

Posted: Tue Jul 28, 2009 9:50 am 

Replies: 5
Views: 2212


I woul suggest keeping it. It has lost far too much value to just sell for no reason. If you were in a pinch for cash I would off it but otherwise you'll be kicking yourself one day when you dont have it. my2cents

 Forum: Personal Finance   Topic: Termination Fees?

Posted: Mon Apr 06, 2009 11:04 am 

Replies: 5
Views: 1945


Not exactly an answer to your question.. but thought i'd offer a suggestion. It sounds like one or both of these bills may be a cellphone.. and if it is the easiest way to get out of your contract without fees is to find a change in either your bill or terms of service. Sprint last year changed a fe...

 Forum: Personal Finance   Topic: Should I pay off my student loan?

Posted: Sat Mar 07, 2009 8:23 pm 

Replies: 13
Views: 4522


This thread has provided some much needed advice and I think i know what to do now. My 10k loan is actually two loans that were consolidated. One loan is a little over 4k and the other is 6k. I think I'm going to eliminate the smaller of the two loans with money from my savings and just pay enough e...

 Forum: Personal Finance   Topic: Should I pay off my student loan?

Posted: Fri Mar 06, 2009 9:40 pm 

Replies: 13
Views: 4522


Thank you for the responses. My job is pretty secure but I'm really uncertain as to where or what I want to spend the rest of my career doing. My current expenses are relatively low and living with my family during tough times is totally an option. I'm leaning toward the second suggestion of just pa...

 Forum: Personal Finance   Topic: Should I pay off my student loan?

Posted: Fri Mar 06, 2009 1:49 pm 

Replies: 13
Views: 4522


Hey everyone, I'm in need of a little assistance. I'm currently 22, have an ok job and have been working hard to save as much as possible. In a little over a year i've managed to pay off my consumer debt and save 23k. Currently I try to set aside between 750-1000 a month. I'm torn about paying off m...

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

Posted: Sat Jan 31, 2009 10:13 am 

Replies: 8
Views: 9785


I hate to be the one to always say it.. but this forum is filled with spam posts like this. Only takes a second realize someone wants a link back to their new blog.. .

 Forum: Personal Finance   Topic: sub savings accounts (like ING but with a high yield)

Posted: Wed Dec 31, 2008 3:07 pm 

Replies: 4
Views: 2243


Hey guys, I've been a log time reader of the blog but this is my first time posting in the forums. As you have probably already noticed savings account interest rates have dropped a bit over the last few months. What I'm basically looking for is an ING clone with the highest interest rate. I would l...
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