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Viewing profile - Cely

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Cely
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Joined: Tue Jan 20, 2009 11:38 pm
Last visited: -
Total posts: 78
[0.09% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 61 Posts / 78.21% of user’s posts ]
Most active topic: Do you factor unemployment into your Emergency Fund target?
[ 4 Posts / 5.13% of user’s posts ]

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Cely Posts

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 Forum: Personal Finance   Topic: What are the downsides of taking unemployment?

Posted: Tue Jun 18, 2013 1:18 pm 

Replies: 7
Views: 1741


I've taken unemployment once, after being laid off. I was on it for about eight months. I live in Washington state, so rules might vary state to state. For me, there was no downside. It had absolutely no impact on my credit rating (nothing showed up in my credit report, that is). I believe it *would...

 Forum: Personal Finance   Topic: Starting a Small Business

Posted: Sat Jun 08, 2013 4:53 pm 

Replies: 19
Views: 4551


You don't know how to set up becoming an online tutor? Do you use google? I did a preliminary search and found tons of results. You can register and get paid for this without even starting your own business.

 Forum: Personal Finance   Topic: Motivation/Hopeless

 Post subject: Re: Motivation/Hopeless
Posted: Fri May 24, 2013 4:33 pm 

Replies: 10
Views: 1840


Congratulations on getting to where you are now! Don't forget to celebrate your successes. Regarding travel, I would start by choosing a trip you want to take. Be specific -- where, how long, how much you'd need to make that trip. "I want to travel" is vague and could mean 10 trips for 10K...

 Forum: Personal Finance   Topic: Can I afford a wedding?

 Post subject: Re: Can I afford a wedding?
Posted: Mon Apr 15, 2013 12:27 pm 

Replies: 20
Views: 2853


Quick answer -- no, you can't afford it. At least not the $5-$9k range. The good news is that you can have a fabulous wedding for much less. Very generous of her parents to contribute, so if you're comfortable with their contribution (and the influence they might assume it gives them), I would use $...

 Forum: Personal Finance   Topic: Loan to brother?

 Post subject: Re: Loan to brother?
Posted: Thu Mar 28, 2013 11:45 am 

Replies: 30
Views: 4511


I applaud you for coming back to update us -- no "I told you so's" here, it's never black and white when it's family. I would agree that, at this point, you need to forget about ever being paid back and let that expectation go. You have done more than enough and it's City Brother who has s...

 Forum: Personal Finance   Topic: Buying vs. Leasing a Car: Dilemma

Posted: Thu Mar 21, 2013 12:30 pm 

Replies: 3
Views: 1355


I've never leased, and I've never bought new. I buy used but "young" cars, pay them off as fast as possible, and keep them about six years. I always thought leasing sounded like a terrible deal. But I read an article on GRS years ago that made me rethink it. The upshot was that it makes no...

 Forum: Personal Finance   Topic: What's the riskiest investment you've ever made?

Posted: Mon Mar 18, 2013 10:06 pm 

Replies: 14
Views: 2153


Mario, I love it!

Hopefully it stuck, and is paying dividends... :)

 Forum: Personal Finance   Topic: What's the riskiest investment you've ever made?

Posted: Sun Mar 17, 2013 6:02 pm 

Replies: 14
Views: 2153


My husband and I recently made a risky investment, becoming investors in a real-estate-related LLC. We know the key players and did the homework we could, but it's a new business model and there is risk involved. So far so good but I still have moments of, " we did what?" Time will tell. J...

 Forum: Personal Finance   Topic: Help needed fast

 Post subject: Re: Help needed fast
Posted: Fri Mar 15, 2013 5:14 pm 

Replies: 7
Views: 1415


I'd say pay off the student loan -- you won't get a reliable 8% return anywhere else. However, you don't say if you have an emergency fund -- if you don't, especially with four rental properties, I'd fund an EF with at least $5K and then start aggressively paying down the student loan. Good luck and...

 Forum: Success Stories   Topic: Passed the 50% mark on my mortgage!

Posted: Wed Mar 13, 2013 11:08 am 

Replies: 4
Views: 3785


I posted here recently about being discouraged about how long the mortgage will take, but I hit a milestone so thought I'd celebrate it! (Celebrating the small victories will help me stay motivated, I think.) After selling some stock and agonizing a bit, I sent in a large principal payment which has...

 Forum: Personal Finance   Topic: Where do you keep your Emergency Fund?

Posted: Sat Mar 02, 2013 1:28 pm 

Replies: 17
Views: 3615


I'm in the same boat. Have had my EF with ING since 2008 or so (as I built it), and watched rates drop. It's still with ING, at 30K now. I have an auto-withdrawal of $1K a month to ING for short-term savings (down payment). My husband has an EF with a credit union. We want to combine those now and a...

 Forum: Personal Finance   Topic: Getting a raise

 Post subject: Re: Getting a raise
Posted: Tue Feb 19, 2013 3:46 pm 

Replies: 14
Views: 1879


At my current company, employees are rated on performance (low, medium, high) and potential (at, some, high). Bonuses go to high performers. Raises (above cost-of-living increases) go to high performers/some or high potential. But high potential implies that you are proving your worth; you're not on...

 Forum: Personal Finance   Topic: Getting a raise

 Post subject: Re: Getting a raise
Posted: Fri Feb 15, 2013 7:18 pm 

Replies: 14
Views: 1879


Some observations and my .02: Based on your description, I get the sense that your friend is not very ambitious. He may be someone who does his job fine, but doesn't seek to do more for the company or grow beyond his current role. There's nothing wrong with that, but he shouldn't expect to get signi...

 Forum: Tips, Tricks, Links, Pointers   Topic: Help with working from home

Posted: Wed Feb 13, 2013 9:42 pm 

Replies: 24
Views: 32050


One of my relatives works full-time from home as a medical transcriptionist. She did some EMT training years ago but other than that, has no medical background. Not sure what the requirements are but she has been making a living at this for years now. I believe she can also increase her hours when s...
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