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Viewing profile - JonasAberg

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JonasAberg
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Joined: Mon Mar 30, 2009 2:04 am
Last visited: Fri Aug 17, 2012 1:51 am
Total posts: 102
[0.11% of all posts / 0.04 posts per day]
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Most active forum: Personal Finance
[ 85 Posts / 83.33% of user’s posts ]
Most active topic: New guy introduction and my story
[ 8 Posts / 7.84% of user’s posts ]

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Location: Finland
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Interests: Playing guitar, history
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JonasAberg Posts

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 Forum: General Discussion   Topic: Predictions and trends

 Post subject: Re: Predictions and trends
Posted: Sun Feb 26, 2012 6:02 am 

Replies: 4
Views: 5666


A new source of energy, or possibly an energy source (solar power) harnessed more efficiently.

 Forum: Personal Finance   Topic: How To Organize Your Savings

Posted: Fri Feb 03, 2012 2:57 am 

Replies: 8
Views: 2886


It's all about priorities, what you feel is most important. Currently, my biggest single saving goal is for a down payment on a home (I'm aiming for at least 50%). After that, it's retirement savings (approximately half of the home savings). How did I decide to save more for the home instead of sock...

 Forum: Personal Finance   Topic: prenuptial agreement

 Post subject: Re: prenuptial agreement
Posted: Thu Mar 03, 2011 3:01 am 

Replies: 44
Views: 6588


My take on prenups is a bit different. Let’s say that the relationship for some reason goes down the tubes. Why would anyone feel entitled to the other person’s savings and property that was obtained before they were married? They surely benefitted from the property (free place to live, yey), saving...

 Forum: Personal Finance   Topic: How Much Do/Did Your Children Cost You?

Posted: Fri Feb 25, 2011 3:00 am 

Replies: 17
Views: 2616


This is a question I have pondered myself. I don't have kids, nor do I intend to have any, but I am still curious about the financial implication of having children. I asked the same question once on a forum. I got about 13 replies and not a single one could give any kind of numbers or even estimate...

 Forum: Personal Finance   Topic: Talking to someone about why you won't join their MLM

Posted: Thu Feb 24, 2011 1:00 am 

Replies: 9
Views: 1585


A few years back MLM was very popular around here, or rather people were trying to get you into it all the time. I dealt with some of them personally and this is what I learned. - Most people will probably tell you to not even agree to a meeting but if it’s a friend it might be tough. You might also...

 Forum: Personal Finance   Topic: Rules for Paying off Credit Card Monthly?

Posted: Thu Feb 17, 2011 3:08 am 

Replies: 18
Views: 3130


I am not sure I correctly understand all the terms you used there so I will just explain my method. I budget everything. I have a detailed budget for each month written out that covers the whole year of 2011. I often use a credit card for budgeted purchases I find on sale for a limited period. For e...

 Forum: Personal Finance   Topic: Blog post

 Post subject: Re: Blog post
Posted: Wed Jan 26, 2011 2:37 am 

Replies: 30
Views: 3866


I don't agree that one should do it, as I personally find it immoral. I am not even sure that option exists here in Finland. If you have debt, you won't get away from it until you die, after which they take what you own (so technically, death is not a way out either as the debt must be repaid either...

 Forum: Personal Finance   Topic: Spending on groceries

 Post subject: Re: Spending on groceries
Posted: Wed Jan 26, 2011 2:30 am 

Replies: 47
Views: 6132


As income levels here are lower than in the US, giving exact dollar amounts wouldn't help. However, as I write down everything I buy I can calculate how much I spend relative to my net income. In 2010 I spent 6,7% of my total net income on food. That did not, however, include all items in my grocery...

 Forum: Personal Finance   Topic: planning for children

 Post subject: Re: planning for children
Posted: Mon Jan 24, 2011 2:49 am 

Replies: 16
Views: 2744


I don't have any kids myself, nor am I planning on getting any, so I may be way off base here but I'll give you my 2 cents anyway. It seems to me that having a kid is more about budgeting monthly expenses than it is about saving a set amount. Sure you will need something of a "startup kit"...

 Forum: Personal Finance   Topic: Two Stocks Doubles, Sell my initial investment

Posted: Mon Jan 24, 2011 2:41 am 

Replies: 13
Views: 1949


If you only own two stocks, I'd sell and reinvest in other stocks so my portfolio would be more diversified. By selling, do you mean selling my initial investment ($500) in each stock and reinvesting it in something else? Or selling the entire stock? If you sold the entire investment you wouldn't b...

 Forum: General Discussion   Topic: Is a debt-free life possible?

Posted: Wed Jan 19, 2011 7:14 am 

Replies: 19
Views: 9837


I’ve actually done some calculations on this. However, to do so I had to look at the entire financial picture over the course of my lifetime. The ultimate goal for me was to have a secure retirement when I get to that age. When my grandfather died at the age of 95 I told everyone that I’d “beat” him...

 Forum: Personal Finance   Topic: Two Stocks Doubles, Sell my initial investment

Posted: Wed Jan 19, 2011 2:02 am 

Replies: 13
Views: 1949


If you only own two stocks, I'd sell and reinvest in other stocks so my portfolio would be more diversified. P.S Wow, you guys in the US really pay low taxes. Here in Finland we pay 28% capital gains taxes on everything, even on savings accounts that you only made 5 bucks on. AND there are plans to ...

 Forum: Tips, Tricks, Links, Pointers   Topic: How to Win the Lottery … Every time!

Posted: Thu Jan 13, 2011 2:09 am 

Replies: 19
Views: 19597


"...I will say however, that everyone should do themselves a huge favor and get out of the “something-for-nothing" mentality, and the quicker the better..." Couldn't one argue that your uncle used the same kind of logic? He didn't do anything and therefore won, i.e- got something for...

 Forum: Personal Finance   Topic: What will you do with your raise in 2011?

Posted: Thu Dec 23, 2010 3:01 am 

Replies: 53
Views: 6433


I expect inflation to take care of any raise I get. Over the past six months the cost of groceries have gone up several percent. This trnd is expected to continue in 2011. Gas prices will go up a couple of percent as well. Capital gains taxes will also most likely go up (about 2 percentage points) s...
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