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Viewing profile - Aleks

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Aleks
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Joined: Wed Jun 06, 2007 1:28 pm
Last visited: -
Total posts: 116
[0.13% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 99 Posts / 85.34% of user’s posts ]
Most active topic: When you're planning to upsize your home
[ 6 Posts / 5.17% of user’s posts ]

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Website: http://digital-luddite.com

Aleks Posts

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 Forum: Personal Finance   Topic: The Official "Dave Ramsey's Dumb Investment Advice" Thread

Posted: Wed Feb 10, 2010 3:15 pm 

Replies: 84
Views: 23740


I think continually repeating the assertion that a growth fund will return 10-12% when the Vangard fund has returned 9.76% since 1959 counts as false advice, not just bad advice. All projections of how much you have to save and when you can retire and how much you can withdraw are predicated on the ...

 Forum: Personal Finance   Topic: Do you track your personal net worth? How?

Posted: Wed Feb 10, 2010 2:57 pm 

Replies: 38
Views: 8586


I don't have a house yet because the bubble hasn't popped here, but when I do I intend to leave the value as the purchase price and just track the mortgage amount. I don't include my car or any other consumer purchases, but real estate isn't a depreciating asset. However, I don't want to treat my ho...

 Forum: Personal Finance   Topic: So, people, how does your "investing" look now?

Posted: Thu Jul 09, 2009 3:04 pm 

Replies: 26
Views: 4490


I'm sticking with my asset mix, contributing monthly and rebalancing anually. I don't try to time the market.

 Forum: Personal Finance   Topic: "Canada has a 50+% income tax." - Dave Ramsey

Posted: Fri May 29, 2009 3:15 pm 

Replies: 29
Views: 7511


Boy, Dave Ramsey is sticking his foot in it a lot recently. The bottom line is, Americans pay more for health care per capita than any other country, and more than double what a lot of countries pay, and despite that a significant number of Americans are uninsured. Furthermore, Americans do not rece...

 Forum: Personal Finance   Topic: Dave Ramsey's Take on Social Security

Posted: Fri May 29, 2009 2:55 pm 

Replies: 44
Views: 11452


You seem to have a decent understanding of government finance, which is rare, so good job. But I think you are missing the forest through the trees. Well, I think the issue of whether taxes are destroyed or remain as money that the government spends is largely semantic. Yes, printing more money inf...

 Forum: Personal Finance   Topic: Dave Ramsey's Take on Social Security

Posted: Thu May 28, 2009 3:42 pm 

Replies: 44
Views: 11452


About half of the national debt IS the "Social Security trust fund." When payroll tax receipts exceed benefits (as they have been doing for years) the surplus is handed over to the Treasury in exchange for Treasury notes (debt) because getting a ~2% return is better than hoarding cash. Li...

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

Posted: Thu Apr 09, 2009 3:28 pm 

Replies: 53
Views: 15509


If she wants a diamond ring to show off to others, than getting a CZ ring will not achieve that result. She will be pretending to show off a diamond that is not really a diamond. It doesn't make sense to me. It sounds like she wants to represent to others that she has the money for a large diamond ...

 Forum: Personal Finance   Topic: How do you calculate your net worth?

Posted: Tue Mar 03, 2009 6:46 pm 

Replies: 16
Views: 4403


I don't have a house but if I did, I would take the amount I paid for the house, adjust for inflation, then subtract the mortgage balance. It won't tell you what you would get if you sold, but I don't think that matters since you're unlikely to ever sell a house and not buy a new one. So instead, it...

 Forum: Personal Finance   Topic: Want your stories - renting vs buying a place

Posted: Tue Dec 02, 2008 4:40 pm 

Replies: 32
Views: 9916


i'm a pro renter as well. just don't see a need to pay off a mortgage, especially if you can't tap the equity at any time you want. the current econ situation is a prime example and one that i kept arguing about endlessly with people. house rich but cash poor. First of all, people shouldn't ever &q...

 Forum: Personal Finance   Topic: My new car general thread + creative financing

Posted: Fri Nov 28, 2008 5:18 pm 

Replies: 27
Views: 6520


Maybe I'm just cynical because I only started investing back in April. Tim I started investing in 1999 and I haven't gotten any 12% annual return. In fact, my investmens are currently down from their adjusted cost base, in total. The one major weakness Ramsey seems to have is for overstating annual...

 Forum: Personal Finance   Topic: My new car general thread + creative financing

Posted: Fri Nov 28, 2008 5:07 pm 

Replies: 27
Views: 6520


What exactly are the added expenses of a hybrid? Well, the one we know about is that after seven or so years you will have to replace the batteries, which is at least a $3000 expense. But any new technology will have unexpected complications. I'm sure a Toyota hybrid is more reliable than a GM hybr...

 Forum: Personal Finance   Topic: My new car general thread + creative financing

Posted: Tue Nov 25, 2008 3:10 pm 

Replies: 27
Views: 6520


I don't believe in debt for anything other than a house. My basic philosophy is that if you don't have the money, you can't afford it. That's like my definition of "afford". Therefor, if you will have $10,000 saved it means you can afford a $10,000 car. Additionally, I believe in driving c...

 Forum: Personal Finance   Topic: Time for a New Car?

Posted: Sat Oct 25, 2008 2:50 pm 

Replies: 37
Views: 14706


Go for a Honda Fit. Real world MPG reports are around 40+ mpg, about as good as a Prius. That's the car I'm looking at (2009 model), I might have enough to buy it in 6 months. I'm pretty skeptical of hybrids in general, I think they're a fad and an unnecessary intermediary step between gas and what...

 Forum: Personal Finance   Topic: Someone Just Shoot Me

Posted: Fri Oct 17, 2008 4:04 pm 

Replies: 60
Views: 14579


I buy every month. I don't care which way the market is going at the moment. I'm longterm and in all stock funds. With 22 years to go, this market is a good buying opportunity. Me too, the only thing I've done differently was to buy 2 shares of Berkshire Hathaway a couple months back. I wish I'd ha...
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