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Viewing profile - Daedala

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Daedala
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Joined: Sun Jun 10, 2007 3:19 pm
Last visited: -
Total posts: 619
[0.70% of all posts / 0.20 posts per day]
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Most active forum: Personal Finance
[ 354 Posts / 57.19% of user’s posts ]
Most active topic: Zero Net Worth
[ 53 Posts / 8.56% of user’s posts ]

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Daedala Posts

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 Forum: Personal Finance   Topic: Living "Responsibly" is Impossible

Posted: Mon Sep 14, 2009 8:36 am 

Replies: 94
Views: 22296


kombat wrote:
I call shenanigans.


Nah. My grocery budget for myself was about $150 for a long time, and I have the past written budgets to prove it.

 Forum: Personal Finance   Topic: Stay, Add On or Buy New?

Posted: Thu Sep 03, 2009 7:37 am 

Replies: 19
Views: 3686


A lot of people find the Not So Big House books really valuable for this sort of thing. They kind of drive me nuts -- I think my house is humongous, but the "not so big" houses are much bigger -- but Susanka does have a lot of very smart things to say about using space. I've known at least...

 Forum: Fiscal Fitness Journals   Topic: Aiming for a Zero Net Worth

Posted: Wed Aug 26, 2009 7:26 am 

Replies: 36
Views: 15416


Yikes, okay, so I went a little overboard this month with the debt payments, and wasn't realistic about where our spending would be. Our emergency fund (and only cash, really) is normally kept at at minimum of $6K, but it's now at $4700, with 6 days to go till the next paycheck. Whoops. I really ne...

 Forum: Personal Finance   Topic: When it's not okay to go cheap!

Posted: Mon Aug 24, 2009 7:48 am 

Replies: 35
Views: 6862


Wow. I totally didn't get expected to get slammed like that. I thought the point of this thread was when does quality count over price? Ruggy is being a jerk. Ignore him. You do not need to justify your spending. I am in total agreement of the value of buying skin products that don't make your skin...

 Forum: Personal Finance   Topic: Property Taxes

Posted: Mon Aug 24, 2009 7:37 am 

Replies: 8
Views: 2216


Mine went down a lot right after I bought the house. Which is weird. The tax valuation people have a purchase price to go on, but the taxes are based on a price $40k less. I'd be nervous if I weren't planning to stay there, really happy with the area's prospects, and checking my FHA appraisal whenev...

 Forum: Personal Finance   Topic: Investment return

Posted: Mon Aug 24, 2009 7:36 am 

Replies: 11
Views: 2645


Ooh, ooh, I use 7% equities and 3% inflaction!

Who's most pessimistic? :)

 Forum: Personal Finance   Topic: Employee Stock purchase

Posted: Mon Aug 24, 2009 7:35 am 

Replies: 10
Views: 2392


ESPP's normally have a hold period, plus they do not necessarily buy the stock immediately. However, they are generally a good deal, since you get the stock at a discount. Many pay x% and you pay the remainder% of the stock price. Hmm, all the ESPP's I've ever been eligible for were "you can s...

 Forum: Personal Finance   Topic: Employee Stock purchase

Posted: Sat Aug 22, 2009 9:54 am 

Replies: 10
Views: 2392


When you say that you can't sell within a certain period of time, do you mean you can't sell, or that you don't get a tax break? Even with the higher taxes of selling before it is a qualifying sale, you can still make a profit as long as the stock doesn't plummet between the time the ESPP period clo...

 Forum: Personal Finance   Topic: Which, if any, credit accounts should I close?

Posted: Fri Aug 21, 2009 8:22 am 

Replies: 7
Views: 1852


sandi_k wrote:
Daedala wrote:
Sandi is always right.


LOL! Can I have this in 24 pt type, and frame it? :D

Sandi


Feel free! I would also suggest a glitter pen!

 Forum: Fiscal Fitness Journals   Topic: Battle for Freedom for Credit Cards

Posted: Fri Aug 21, 2009 8:16 am 

Replies: 129
Views: 46326


Hooray!

I love your cat macros!

 Forum: Personal Finance   Topic: Which, if any, credit accounts should I close?

Posted: Thu Aug 20, 2009 11:23 am 

Replies: 7
Views: 1852


Sandi is always right.

 Forum: Personal Development   Topic: What Sort of Job Do You Have? Also: Suggestions?

Posted: Thu Aug 20, 2009 11:18 am 

Replies: 56
Views: 26326


And this is why I'm beginning to think that one *should* choose a profession based heavily on income. Yes, they should be proficient at it, and enjoy it somewhat, but I'd rather take a job I only enjoy 'somewhat' and that I'm 'pretty good at' and be able to pay my bills with ease (and have savings ...

 Forum: Community Involvement   Topic: How can we teach our kids early about managing money?

Posted: Wed Aug 19, 2009 7:02 am 

Replies: 25
Views: 49709


Actually demonstrating the value of saving and delayed gratification is probably helpful. That is my theory, anyway. I gave my niece a certificate of deposit when she was ten. It's a two-year CD, funded before the meltdown, so the interest rate is 5% or higher (I don't remember excactly). Her mom ch...

 Forum: Fiscal Fitness Journals   Topic: Aiming for a Zero Net Worth

Posted: Tue Aug 18, 2009 12:23 pm 

Replies: 36
Views: 15416


4,000/mo is GREAT. I remember how satisfying it was to put 2,000/mo towards my down payment.

DINK...wait. Does this mean I am a SINK?
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