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A place for Get Rich Slowly readers to ask questions
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It is currently Thu Jul 28, 2016 10:53 pm



Viewing profile - RayinPenn

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RayinPenn
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Joined: Sat Dec 10, 2011 7:25 am
Last visited: Tue Jul 26, 2016 7:01 pm
Total posts: 956
[1.07% of all posts / 0.56 posts per day]
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Most active forum: Personal Finance
[ 863 Posts / 90.27% of user’s posts ]
Most active topic: Dave Ramsey story on CNN Money
[ 25 Posts / 2.62% 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: Personal Finance   Topic: The parking lot snow queen

 Post subject: The parking lot snow queen
Posted: Tue Jul 26, 2016 6:24 pm 

Replies: 1
Views: 42


The Honda CRV has almost 116k miles on it. It is very clean. Other than the normal stuff (tires, breaks, oil changes) in all the years I've owned it since I bought it new It has only asked for a new alternator last year. For the past 3 years it has been my daughters parking lot queen 4 hours away at...

 Forum: Personal Finance   Topic: Convince my elder that their investments are too risky

Posted: Tue Jul 26, 2016 5:58 pm 

Replies: 6
Views: 223


Funny but years ago a colleague had all her money in the company's safe fund. It was safe but it paid minimal interest. I understood why - as she had a pretty ruff life - her husband ran off with a younger gal and died not long after - she was left with the 2 kids. Over time we chatted and I convinc...

 Forum: Personal Finance   Topic: Using Credit Cards in lieu of a personal loan

Posted: Tue Jul 26, 2016 5:45 pm 

Replies: 10
Views: 134


I work for a major credit card shop 1. We offer 6 months no interest 2. Balance transfers 3. And a host of other teaser offers... Why do you suppose we do that? Because we luv you? No it's quick sand and our math tells us we will catch a good number of you for ever. .. You'll pay and pay some more. ...

 Forum: Personal Finance   Topic: Is it really possible for the average person to be debt-free

Posted: Thu Jul 14, 2016 10:30 am 

Replies: 33
Views: 25131


We paid off our mortgage in about 10 years...we've been debt free for about 20 years. And I never felt I was doing without... We were careful about spending, couponed it, brown bagged it and put extra into the mortgage when ever we could. IMO it was well worth it.. for one my kids will graduate loan...

 Forum: Personal Finance   Topic: My Investiments & Thought Process Behind it-Feedback Welcome

Posted: Thu Jul 14, 2016 10:17 am 

Replies: 12
Views: 1029


My counter argument

Buy low cost diversified index funds when finances permit (and make sure they do) hold for ever....


Wow less then 20 words...

 Forum: Personal Finance   Topic: Convince my elder that their investments are too risky

Posted: Thu Jul 14, 2016 10:08 am 

Replies: 6
Views: 223


I couldn't find the exact article, It was 14 years ago when I read it. It had a profound impact on my life. A sixty year old lineman worked for a Enron subsidiary he was ready I to retire... He lost every penny in his 410k $1million. Pretty hard to start over at 60.. I happen to be 61 for a few more...

 Forum: Personal Finance   Topic: Credit debt

 Post subject: Re: Credit debt
Posted: Thu Jun 30, 2016 4:33 am 

Replies: 4
Views: 1531


Oh and you might consider not piling up more debt in the future...

 Forum: Personal Finance   Topic: Should I buy a new (used) car?

Posted: Thu Jun 30, 2016 4:30 am 

Replies: 4
Views: 827


Repair car and drive it until it absolutely won't go anymore..
Save, save and save some more...
The $5K will likely be a real 'beater' that will likely need work in short order...

 Forum: Personal Finance   Topic: Loan for trip

 Post subject: Re: Loan for trip
Posted: Thu Jun 30, 2016 4:27 am 

Replies: 4
Views: 951


If you have to borrow to go on vacation easy DONT DO IT.

How to build a stress free life Save for:
1. Emergency Fund
2. Retirement
3. Major replacements (car what ever)

4. Fun like vacations...

 Forum: Personal Finance   Topic: Question about vesting - should be an easy one

Posted: Thu Jun 30, 2016 4:24 am 

Replies: 4
Views: 655


Why no ask someone in benefits...

 Forum: Personal Finance   Topic: Critique my portfolio?

 Post subject: Re: Critique my portfolio?
Posted: Sun May 22, 2016 4:31 am 

Replies: 8
Views: 965


'Ability to ensure 8%+ average growth in current and future markets.' There are no guarantees when it comes to investing.. Oh you can get a risk free investment that might pay 2% but not much more than that. The good news is that over long periods many believe a balanced portfolio will return the 8...

 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: 1
Views: 959


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: 11
Views: 2031


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: 4445


$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...
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