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Viewing profile - Ryuns

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Ryuns
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Joined: Fri May 18, 2007 8:25 am
Last visited: Tue Jul 21, 2009 3:48 pm
Total posts: 520
[0.59% of all posts / 0.16 posts per day]
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Most active forum: Personal Finance
[ 337 Posts / 64.81% of user’s posts ]
Most active topic: What about a scooter?
[ 8 Posts / 1.54% of user’s posts ]

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Location: Santa Barbara
Occupation: Energy and environment
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Ryuns Posts

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 Forum: Personal Finance   Topic: Frugal Mother's Day gift ideas!

Posted: Thu May 07, 2009 3:56 pm 

Replies: 8
Views: 3213


I wouldn't trust someone with 420 in their name to cook something for a mom anyway :wink:

 Forum: Personal Finance   Topic: is it ever okay for other people to sign your cc slips?

Posted: Mon Apr 27, 2009 3:12 pm 

Replies: 10
Views: 2979


Depends on the bar, but it can often be a problem. The signature on a CC receipt means NOTHING. Have you ever tried to put in your electronic sig with one of those sensing pens? They just look like scribble. I'd bet good money that if you rang up a $100 tab and forgot it at the end of the night, you...

 Forum: Personal Finance   Topic: My girlfriend says she wants a CZ

Posted: Fri Apr 24, 2009 1:54 pm 

Replies: 53
Views: 15451


xtina wrote:
RichBy40 wrote:
females are freakin nuts.


Nice. :roll:


Might think about changing your nickname to "SingleBy40" or "StillSingleAt40".

:lol:

Ryan

 Forum: Personal Finance   Topic: Let Granni keep paying $45/month for $10k Life Insurance?

Posted: Fri Apr 24, 2009 1:50 pm 

Replies: 4
Views: 1715


I believe Clark Howard has resources on planning ahead for a funeral and other expenses. You can save a lot of money by pre-paying too. It may be worthwhile to drop the policy, pay for what you/she can right now, and not have to worry about it. Best of luck to you and Granny. I hope when I"m th...

 Forum: Personal Finance   Topic: Have at least $7500 where should i place for short term

Posted: Fri Apr 24, 2009 1:48 pm 

Replies: 6
Views: 2057


Don't go crazy over this! If it's short-term, just get a 6 month CD (if you know it'll be AT LEAST 6 months). Otherwise, an ordinary savings account or money market is your ticket. You don't want to take a risk you'll lose money. It'll be a pity to look back at your account in 6 months or a year and...

 Forum: Personal Finance   Topic: Vanguard MMAs?

Posted: Fri Apr 24, 2009 1:42 pm 

Replies: 7
Views: 2020


You can do better than Vanguard Prime right now, but keep in mind that Prime is about the best money market mutual fund out there. Interest rates are just crappy. Before you get in the habit of chasing rates, be sure you know if it's worth your time. FWIW, I checked with Schwab yesterday (I have the...

 Forum: Personal Finance   Topic: Selling a Car Without Getting Ripped Off...

Posted: Wed Apr 22, 2009 10:29 am 

Replies: 21
Views: 6457


Only way to get around most of this is to make the transaction in the bank. But I'd personally tell you to get lost because I don't have a local bank. You may just need to use your own judgment. Hard to judge a book by its cover, because a good scammer should be smooth, but if they're totally set in...

 Forum: Personal Finance   Topic: Is it Time to Raid the Roth IRA?

Posted: Tue Apr 21, 2009 12:03 pm 

Replies: 16
Views: 4223


I'm a little late back to this thread but I'll put in my two cents. Personally, I will match out my Roth IRA every year if at all possible. Why? A better question is "why not?". If I do it with the express purpose of there being a possibility that I use it for an emergency or a home downpa...

 Forum: Personal Finance   Topic: Vanguard's GNMA (Ginnie Mae) fund as an investment

Posted: Tue Apr 21, 2009 11:58 am 

Replies: 1
Views: 2586


This is late but I saw that you got no replies on it. To my knowledge, the GNMA fund does have a solid track record and good returns. If I remember correctly, there are situations where it returns very poorly compared to other bonds. I believe rising interest rates (?). Basically, they act like &quo...

 Forum: Personal Finance   Topic: Where do you get your financial news from?

Posted: Tue Apr 21, 2009 11:38 am 

Replies: 17
Views: 4738


http://www.bogleheads.org

Not a news site, but if there's something out there worth reading, someone will usually post it. The commentary in the threads is often more insightful than the original article.

Ryan

 Forum: General Discussion   Topic: Teabaggers - Who's Going

Posted: Wed Apr 15, 2009 12:20 pm 

Replies: 34
Views: 12331


Not to mention that someone REALLY should have thought twice before using teabag as a verb.

http://en.wikipedia.org/wiki/Teabagging

 Forum: Personal Finance   Topic: Thinking About the Car Thing, Redux...in honor of JD's Mini!

Posted: Wed Apr 15, 2009 12:16 pm 

Replies: 16
Views: 4089


My mom drives a 2007 Highlander Hybrid. It's a joy to drive. The hybrid system only bumps MPG up to the 28-30 range, but it's so smooth and quiet. Cost in the lower $30s I think. I don't think Honda CR-V has been mentioned. Another possibility. I think you're asking yourself the right questions. We ...

 Forum: Personal Development   Topic: Last Will & Testament - Need A Simple One

Posted: Thu Apr 09, 2009 5:57 pm 

Replies: 6
Views: 4309


No experience with them, but you can try: http://www.legalzoom.com/legal-wills/wills-overview.html

 Forum: Tips, Tricks, Links, Pointers   Topic: Has anyone else used Magicjack?

Posted: Fri Apr 03, 2009 1:11 pm 

Replies: 25
Views: 23101


Pretty soon:

voice.google.com

Ryan
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