dcsimg The Get Rich Slowly Forums • Viewing profile - floppel

  GRS Home  Forum Home
Bank Rates Center
   Savings Account Rates
   Money Market Rates
   Highest CD Rates
Insurance Rates Center
  Auto           Health
   Life              Home
Mortgage Rates Center
  Mortgage Rates
  Mortgage Quotes

Last visit was:
A place for Get Rich Slowly readers to ask questions
and exchange ideas
It is currently Mon Jul 25, 2016 11:26 pm



Viewing profile - floppel

Board presence

User statistics

floppel
Offline
Joined: Tue Jul 03, 2007 1:28 pm
Last visited: Mon Aug 29, 2011 4:51 pm
Total posts: 147
[0.17% of all posts / 0.04 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 97 Posts / 65.99% of user’s posts ]
Most active topic: Moving to the US - Getting started
[ 12 Posts / 8.16% of user’s posts ]

Contact

Profile

E-mail address:
PM: Send private message
MSNM/WLM:
YIM:
AIM:
ICQ:
Jabber:
Groups:
Location: Sunnyvale, CA
Occupation: Software Engineer
Interests:
Website:

floppel Posts

Search found 147 matches
Search these results:

Author Message

 Forum: General Discussion   Topic: Why buy a home?

 Post subject: Re: Why buy a home?
Posted: Mon May 16, 2011 12:03 pm 

Replies: 23
Views: 10675


An excellent resource for helping with this decision is the NYT Rent vs. Buy calculator:
http://www.nytimes.com/interactive/business/buy-rent-calculator.html

Of course there are a lot of future uncertainties like rent increases/decreases, changes in interest rates (return on capital), inflation...

 Forum: Personal Finance   Topic: Blog post

 Post subject: Re: Blog post
Posted: Tue Feb 01, 2011 10:57 am 

Replies: 30
Views: 3866


What? So you are saying that it is ok to just not pay someone back 1% because any investor can afford to lose that? You've got to be kidding! How about if I go in your house and take 1% of everything? I suppose that would be ok because it's only 1%, and besides, you have a lot of stuff. You'll get ...

 Forum: Personal Finance   Topic: Blog post

 Post subject: Re: Blog post
Posted: Mon Jan 31, 2011 12:31 am 

Replies: 30
Views: 3866


Ah, Jimmy Stewart explained it all. The money borrowed to buy the house did not come from a faceless corporation. It came from your neighbors' deposits. If you stop paying, you are stealing from them! But there's a big difference. If my (hypothetic) loan is part of a CDO that contains 100 loans, th...

 Forum: Personal Finance   Topic: Blog post

 Post subject: Re: Blog post
Posted: Thu Jan 27, 2011 7:14 pm 

Replies: 30
Views: 3866


I don't think this discussion will lead anywhere, as morality is subjective. Some people think smoking pot is immoral, others don't. Some people think signing up for credit cards just to get the bonus and then never using them is immoral, others don't see a problem with that. As long as something is...

 Forum: Personal Finance   Topic: Favorite Online Broker

 Post subject: Re: Favorite Online Broker
Posted: Sat Sep 11, 2010 11:09 pm 

Replies: 4
Views: 1493


Cost-wise Zecco is unbeatable. You just can't beat "free."
As far as customer service is concerned, I'm impressed with Schwab (which is missing from the poll?)

 Forum: Personal Finance   Topic: Housing: sunk costs vs long-term views

Posted: Fri Aug 27, 2010 10:35 am 

Replies: 11
Views: 1790


Oh boy, this thread got derailed badly... I'll just add this: Is it illegal or immoral to terminate your cell phone contract early? Is it illegal or immoral to break your lease, provided you pay the early termination fee as stated in your contract? The mortgage contract contains a clause that the co...

 Forum: Personal Finance   Topic: Housing: sunk costs vs long-term views

Posted: Wed Aug 25, 2010 10:08 pm 

Replies: 11
Views: 1790


The house's value could easily decline from here, and it could take decades until it goes back to where it was when you bought it. In the meantime, you're bleeding money because the cost of capital is higher than a comparable rent. But the most important point is that keeping the house would keep yo...

 Forum: Personal Finance   Topic: Help me get started (24,limited income while getting a PhD)

Posted: Thu May 20, 2010 11:00 am 

Replies: 37
Views: 5783


I just got back from Cali...SJ actually. Floppel is right. The streets were paved with gold and the lamposts were solid platinum! Professors at SJSU get valet parking and massages between classes. It actually kind of sucked because all they had in the cafeteria was beluga caviar and foie gras. $130...

 Forum: Personal Finance   Topic: Help me get started (24,limited income while getting a PhD)

Posted: Wed May 19, 2010 7:58 pm 

Replies: 37
Views: 5783


I don't know, it looks like California is a different ballgame... A friend of a friend (I know, I know) started at SJSU a year ago as an assistant professor in a business related field and started with $130k. When I rode my bike through a humble neighborhood to get to my office in the morning, I cam...

 Forum: Personal Finance   Topic: Help me get started (24,limited income while getting a PhD)

Posted: Sun May 16, 2010 3:10 pm 

Replies: 37
Views: 5783


Oh, and about the "where": Emergency fund at any decent high yield savings or checking account. Personally I like the Schwab Investor checking or DollarSavingsDirect. Roth IRA at Vanguard, if you don't need the total flexibility and are okay with limiting yourself to Vanguard funds. No fee...

 Forum: Personal Finance   Topic: Help me get started (24,limited income while getting a PhD)

Posted: Sun May 16, 2010 3:06 pm 

Replies: 37
Views: 5783


Here's what I would do, in chronological order: 1. Build an emergency fund that covers 2-3 months of your expenses (or more/less, whatever you're comfortable with) 2. Pay off the credit card (think of it this way: if someone offered a savings account with 6.9% interest, everyone would jump on it. A ...

 Forum: Personal Finance   Topic: ETFs - newbie (dumb) questions

Posted: Sat May 15, 2010 7:59 pm 

Replies: 2
Views: 860


The fees are taken out of the fund's cash holdings. It's probably different for every fund when these transfers take place (it should be spelled out in the fund's prospectus), and usually not noticeable to the average investor. As an hypothetical example, if an ETF has an annual management fee of 1%...

 Forum: Personal Finance   Topic: Help me think through a financial decision

Posted: Wed May 12, 2010 9:50 am 

Replies: 11
Views: 1712


I would replace it now. Keep the box the hard disk comes in, and when it's time to replace the whole laptop you can sell the drive. Or you could buy an enclosure for it and use it as an external drive. Also, some bigger laptops have two drive bays, so you might be able to plug it into your new lapto...

 Forum: General Discussion   Topic: Arizona immigration law

 Post subject: Re: Arizona immigration law
Posted: Thu Apr 29, 2010 4:25 pm 

Replies: 82
Views: 17532


I feel this is a little bit like the "death panels" of the health care debate, there's a lot of speculation and misinformation. I tried to find out what exactly that law states, and all I could find that it's a state crime now to be in Arizona for non-citizens without proper documentation....
Page 1 of 10 [ Search found 147 matches ]




Jump to:  
Powered by phpBB © 2000, 2002, 2005, 2007 phpBB Group
Theme created StylerBB.net & kodeki