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A place for Get Rich Slowly readers to ask questions
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It is currently Fri May 27, 2016 5:03 pm



Viewing profile - RayinPenn

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RayinPenn
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Joined: Sat Dec 10, 2011 7:25 am
Last visited: Sun May 22, 2016 6:11 am
Total posts: 945
[1.07% of all posts / 0.58 posts per day]
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Most active forum: Personal Finance
[ 852 Posts / 90.16% of user’s posts ]
Most active topic: Dave Ramsey story on CNN Money
[ 25 Posts / 2.65% of user’s posts ]

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RayinPenn

“If you tell the truth, you don't have to remember anything.”
― Mark Twain

RayinPenn Posts

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 Forum: General Discussion   Topic: How do you see yourself

 Post subject: How do you see yourself
Posted: Sat May 21, 2016 8:21 am 

Replies: 0
Views: 148


I'm wading a few feet from shore tossing my lure (a crocodile) into the jones beach inlet with the hopes of finding striped bass or blue fish. A 40ft cigarette boat comes flying by, loud, obnoxious and in my eyes -useless. A mindless, conspicuous display of wealth and nothing more. Turn the key poin...

 Forum: Personal Finance   Topic: YNAB vs. QB vs. Envelopes for Budget and Accountability

Posted: Sat May 21, 2016 8:05 am 

Replies: 9
Views: 789


Straight talk from an 62 year old:Your broke because you chose to be broke. Your cards are maxed out because you choose to have them maxed out.. "My husband and in like to eat out.." Me too but I've reached my financial objectives. Might I suggest the following - set some achievable short ...

 Forum: General Discussion   Topic: Minimum wage hike to $15

Posted: Wed May 18, 2016 3:35 am 

Replies: 21
Views: 2389


$10 works for me but I'm afraid there will still be protests. I don't like to admit it but I occasionally buy a burger or two (no fries - really bad for me) from the dollar menu - except it isn't a dollar any more. Would my behavior change if it became the $1.50 menu probably not. The middle class w...

 Forum: General Discussion   Topic: If only I could control spending...

Posted: Tue May 17, 2016 4:40 am 

Replies: 4
Views: 1582


''If only could control spending..." You absolutely can but you really have to want to. Tuff question: would the person you lost want you to spend yourself into trouble? I think we both know the answer to that. How can you best honor that person? As a guy who started with nothing and now... The...

 Forum: General Discussion   Topic: Minimum wage hike to $15

Posted: Mon May 16, 2016 4:39 pm 

Replies: 21
Views: 2389


does flipping burgers warrant $15? Depends on how many burgers can be flipped per hour. What will $15 per hour do to the cost of a burger? It won't be good $15/hour probably won't impact the cost of a burger as much as the cost of beef, wheat, and all the other ingredients have. 1. Labor is the mos...

 Forum: General Discussion   Topic: Minimum wage hike to $15

Posted: Mon May 16, 2016 4:36 am 

Replies: 21
Views: 2389


We humored you before when you presented a hypothetical situation and you never actually were able to defend it... 1. I'll use hypotheticals as I see fit.. You may have power in the classroom ..here not so much. 3. hypotheticals Are a useful illustrative tool ... In this case my hypothetical illust...

 Forum: General Discussion   Topic: Minimum wage hike to $15

Posted: Sun May 15, 2016 6:14 am 

Replies: 21
Views: 2389


I find this a very interesting topic. I believe we have to view the minimum wage issue as follows: Why: the minimum wage isn't a living wage... Work at Mikey Ds and sporting a family would be all but impossible. Thus the multiple job breadwinners... The questions: does flipping burgers warrant $15? ...

 Forum: Personal Development   Topic: What makes you happy?

 Post subject: Re: What makes you happy?
Posted: Tue May 10, 2016 3:20 am 

Replies: 20
Views: 24087


1. Sitting out on my deck on a summer morning with the Mrs. and a hot cup of coffee watching the hummingbirds. 2. Spaghetti with clam sauce - what can I tell you I'm a simply guy 3. Catching a fish 4. Sitting in my lawn chair in front of my house on a spring day with my dog at my feet 5. The prolifi...

 Forum: Personal Finance   Topic: Trust fund investing help

Posted: Tue May 10, 2016 2:57 am 

Replies: 32
Views: 3053


"RayinPenn I have never failed to collect the money lets say in extreme hardcore cases the goverment is ready to help me. Personally I have succeeded to scare many of my ex renters:). No threats actually a simple message like you have not payed the rent and I will come within 24 hours and then...

 Forum: Personal Finance   Topic: Chase Private Client Bonus Incentive for Investing

Posted: Tue May 10, 2016 2:26 am 

Replies: 11
Views: 1004


I cant add to the advise here as most seems spot on. I noted you said you were using a mortgage broker... Might I suggest you search for rates on the net as well... Just to be sure your getting the best deal available... With a solid down payment getting a mortgage should be no big deal... 1. I have...

 Forum: Personal Finance   Topic: Trust fund investing help

Posted: Sun May 08, 2016 4:36 am 

Replies: 32
Views: 3053


Sounds like your trust will cease to exist on your 25 birthday. 1. Pay off all debt 2. Resist the urge to splurge - no cars, boats, toys etc. 3. Go to vanguard plop the money into 3 diversified low cost ETFs. 4. Sit back and watch the magic of compounding - yes there will be ups and down but you are...

 Forum: Personal Finance   Topic: Pay Off Car Loan vs Savings vs Investing

Posted: Sun May 08, 2016 4:17 am 

Replies: 18
Views: 3617


Attributes of a financially independent person: Generally they are debt free (yes there are who are clever at using leverage but it requires extreme discipline). That car loan is consumer debt- consumer debt is the enemy! Pay it off and never pay another dime of interest.. Other than a mortgage. Att...

 Forum: Personal Finance   Topic: Student Loan / Mortgage Question

Posted: Sat May 07, 2016 2:44 pm 

Replies: 9
Views: 2179


Enigma wrote:
hV73y22lf wrote:
At least the Auto Loan was for a Certified Pre-Owned RX 350 and not a brand new one. Most of the lost value is with it being brand new. Good luck!


Does not matter with 70k of student loans a used Toyota Corolla would be more fiscally responsible...

 Forum: Personal Finance   Topic: Student Loan / Mortgage Question

Posted: Sat May 07, 2016 9:59 am 

Replies: 9
Views: 2179


I am going to ignore your question because I see a bigger issue. Let me get this straight you owe $35k on a car that I'll assume cost around $50K which you financed for at least 5 years and you have $70k in student loan debt? unless you need that vehicle for work I have to ask do you really want to ...
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