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Viewing profile - DerKoch

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DerKoch
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Joined: Thu Mar 03, 2011 8:06 am
Last visited: Thu Sep 15, 2011 10:32 am
Total posts: 17
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 9 Posts / 52.94% of user’s posts ]
Most active topic: Is there a better way to deal with spam?
[ 2 Posts / 11.76% of user’s posts ]

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DerKoch Posts

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 Forum: General Discussion   Topic: Should I buy this condo?

Posted: Wed Jun 08, 2011 8:56 am 

Replies: 10
Views: 6071


Plug the numbers into the NYTimes rent vs. buy calculator (you'll have to use advanced settings): http://www.nytimes.com/interactive/business/buy-rent-calculator.html If you use 2% for housing price increase, rent increase and inflation (in other words, assume prices will stay constant with inflatio...

 Forum: General Discussion   Topic: Should I buy this condo?

Posted: Wed Jun 08, 2011 8:13 am 

Replies: 10
Views: 6071


Isn't the main point of buying that you're "throwing away" less money? If you buy, you're going to be spending almost the full cost of renting and getting nothing for it that you wouldn't get by renting. And then on top of that you'll be taking on debt, paying another $700 / month and taki...

 Forum: Personal Finance   Topic: Financing Things

 Post subject: Re: Financing Things
Posted: Mon Jun 06, 2011 9:23 am 

Replies: 22
Views: 2658


I agree in general with the whole needs/wants discussion but I think putting the question in actual dollar terms reveals how insignificant the extra finance cost is when rates are so low. Most people spend more than $35 extra per month on beer, McDonalds, or computer games. I was actually trying to...

 Forum: Personal Finance   Topic: Financing Things

 Post subject: Re: Financing Things
Posted: Mon Jun 06, 2011 6:36 am 

Replies: 22
Views: 2658


Know what you need. Know what you want. Know what you can afford. Know what you're giving up. A 10-year old used compact sedan would meet most people's needs . A 3-year old used compact sedan, or a 10-year old used luxury-brand compact sedan, or a 10-year old used SUV doesn't sound like an indulgenc...

 Forum: Personal Finance   Topic: Raising non-mooching children

Posted: Thu Jun 02, 2011 5:37 am 

Replies: 39
Views: 4491


I think you're looking at this from the wrong angle. The problem is not the "kids" you describe. It's the parents. They're enablers. Their offspring would never be able to mooch off them if they didn't allow it to occur. I didn't have to worry about my kids ever mooching off me. It just w...

 Forum: Personal Finance   Topic: Teenager seeking advice!

Posted: Tue May 31, 2011 7:38 am 

Replies: 9
Views: 1231


I hope you check the library for your books and magazines first. If not, that's money you could be saving. Also, I second Mr. Mordecai's questions. A million dollars isn't a goal. Money is never a goal. (Ok, it could be if you just enjoy watching bank account numbers go up.) Money is a means to an e...

 Forum: General Discussion   Topic: Is there a better way to deal with spam?

Posted: Tue May 24, 2011 5:38 am 

Replies: 18
Views: 5524


Yeah I think more mods would probably be the best solution. Post like this: http://www.getrichslowly.org/forum/viewtopic.php?f=2&t=29672 really make me wonder. There doesn't seem to be any spam link, but it has nothing to do with the topic of the forum at all. Plus it is by someone who signed u...

 Forum: General Discussion   Topic: Is there a better way to deal with spam?

Posted: Mon May 23, 2011 5:02 am 

Replies: 18
Views: 5524


More admins.

(Reaching minimum number of characters per post.)

 Forum: General Discussion   Topic: Buying the cheapest house/land possible

Posted: Thu May 19, 2011 8:53 am 

Replies: 10
Views: 13047


Cheap is not always cheap. Will cheap be making you drive more and spend more on gas? Will it put you in a more dangerous area that makes you spend more (monetarily and psychologically) on safety? Will the cheap place require more maintenance? Will it depreciated faster or appreciate slower? Will it...

 Forum: Personal Finance   Topic: Unusual case - Please give your opinion!

Posted: Tue Apr 19, 2011 1:08 pm 

Replies: 12
Views: 2929


If you live simply, you can easily retire on that. Even if you just put it all in CDs, you'd have almost $60k a year in interest, and you should easily be able to do better than a 1.5% return on your money. That said, the point of earning money like that (from someone who never has) isn't so you can...

 Forum: General Discussion   Topic: Etiquette question - what do you all think?

Posted: Tue Apr 19, 2011 10:51 am 

Replies: 16
Views: 4164


And to the person who made a comment about a buyer vs. a donor, I take your point. In a sense we should be giving just to support the cause and not expect anything. But part of my motivation here is that I have considered trying to get more involved, possibly even to seek a board seat to help steer...

 Forum: General Discussion   Topic: Etiquette question - what do you all think?

Posted: Tue Apr 19, 2011 5:26 am 

Replies: 16
Views: 4164


If you skipped your donation because you didn't like the reward, it wasn't a donation in the first place, it was a purchase. A donor doesn't expect anything in return, a buyer does. If you care about the charity, next year donate but don't attend the event. If you don't, stop buying their dinners. I...

 Forum: Personal Finance   Topic: Survey of cost of living

Posted: Mon Apr 04, 2011 11:55 am 

Replies: 9
Views: 1861


Family of 2. At current expense levels, need about $2600 net / month. Planning some changes (less driving, no gym membership, cheaper phone plan) which will bring that down to $2200 net / month. All other earnings either go into savings or get spent on travel. After we get it down to $2200, about 55...

 Forum: Personal Finance   Topic: How Many Insurance Companies Do You Compare?

Posted: Thu Mar 31, 2011 5:05 am 

Replies: 8
Views: 1485


We've had the same insurance company for at least 23 years. I occasionally get comparison quotes just to keep them honest. I find that the comparisons are usually for bare bones coverage so they are not at all comparable. I have no doubt that I might get slightly lower rates with a different compan...
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