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A place for Get Rich Slowly readers to ask questions
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It is currently Wed Sep 28, 2016 10:09 am



Viewing profile - RayinPenn

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RayinPenn
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Joined: Sat Dec 10, 2011 7:25 am
Last visited: Wed Sep 28, 2016 3:20 am
Total posts: 975
[1.09% of all posts / 0.56 posts per day]
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Most active forum: Personal Finance
[ 882 Posts / 90.46% of user’s posts ]
Most active topic: Dave Ramsey story on CNN Money
[ 25 Posts / 2.56% 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 tenant called...

 Post subject: Re: The tenant called...
Posted: Wed Sep 14, 2016 4:02 pm 

Replies: 4
Views: 411


DJFlare99 wrote:
You mean the 1st calls were from Realtors looking to be your listing agent? Or they were from agents representing buyers?


The former...

 Forum: Personal Finance   Topic: The tenant called...

 Post subject: Re: The tenant called...
Posted: Mon Sep 12, 2016 5:17 pm 

Replies: 4
Views: 411


Ok the tenant moved out... Miracle of miracles the condo was in awesome condition. We've spent the last 2 weekends sprucing and cleaning and it's all set to go. I put it up on FSBO and yesterday and the first 3 calls were from realtors. I think we will give it a couple months...

 Forum: Personal Finance   Topic: Debt, lots of it and need some advice

Posted: Mon Sep 12, 2016 5:00 pm 

Replies: 18
Views: 526


Vin tech is spot on ...first lesson in graduate finance Sunk Cost are ignored when evaluating an investment.. 1. Cash out the life insurance and if you really feel the need get 15k SBLI 2. Get a notebook write down every dime you spend going fwd Get a used or library copy of Dave Ramsey's financial ...

 Forum: Personal Finance   Topic: Wich investment are best to start with?

Posted: Mon Sep 05, 2016 6:06 am 

Replies: 4
Views: 322


VinTek wrote:
I found that many of my financial successes involved buying low and selling high.


Too funny...

 Forum: Personal Finance   Topic: How is the ROI for business owners

Posted: Mon Sep 05, 2016 5:48 am 

Replies: 8
Views: 426


Forex...I did a due diligence on a forex firm for a major bank. My recommendation: don't buy it. Why: their customers: traders) don't make money... 30% you really can't be that naive. Trading: same as above. Real estate: you haven't been paying attention to the market have you? Answer maybe. Entrepr...

 Forum: Personal Finance   Topic: We have been really fortunate and dont know how to invest...

Posted: Sun Aug 14, 2016 5:25 pm 

Replies: 17
Views: 919


What you are getting into is investor psychology. You enjoy a laid back set and forget it style of investing. I would agree that if that's the OP goal, then just do the fund thing. I personally really enjoy looking at opportunities, running financial numbers, reviewing legal documents, etc. I hope ...

 Forum: Personal Finance   Topic: Downgrading car worth it?

Posted: Sun Aug 14, 2016 5:22 pm 

Replies: 8
Views: 541


1. Emergency fund fully funded?
2. No other consumer debt?
3. Employment appears steady for foreseeable future?
4. No other pending expenses?

If yes to all the above then yeah trading to a less expensive car works IMO.

 Forum: Personal Finance   Topic: Downgrading car worth it?

Posted: Sun Aug 14, 2016 12:11 pm 

Replies: 8
Views: 541


tavorh wrote:
$13k car like a 2012 vw gti with 30-40k miles.


Had you said a 3 year Corolla I'd say sure but if I am not mistaken VW is on the high side for maintenance and not as reliable as the Hondas or toyotas. If you really want to save money no zoom zoom..

Edit: yep VW isn't in the top ten.

 Forum: Personal Finance   Topic: We have been really fortunate and dont know how to invest...

Posted: Sun Aug 14, 2016 11:56 am 

Replies: 17
Views: 919


To get into these investments takes effort and knowledge. You have to network, and be comfortable with contracts. It's basically doing business. These investments are typically open only to accredited investors to take advantage of the SEC exemption. Hence why the simplicity of a set it and forget ...

 Forum: Personal Finance   Topic: The tenant called...

 Post subject: The tenant called...
Posted: Sun Aug 14, 2016 6:13 am 

Replies: 4
Views: 411


A few days ago tenant sent me a text she indicated will be moving out around 9/1; It is great news as we had decided that we don't want to be in the Landlord business any longer. Plus my son will graduate HS in June and I'd like to be free to move. It brings up a number of questions.. 1. For sale by...

 Forum: Personal Finance   Topic: Best use of extra cash

 Post subject: Re: Best use of extra cash
Posted: Sun Aug 14, 2016 5:48 am 

Replies: 6
Views: 599


I might pay off the car first but I need more info. How many miles are you putting on per year? How many miles does it have? How old is the car? What type of car is it? Do you use the car for work? How long before you think you'll need to replace it? By the by not to be disputatious I like Ramsey's ...

 Forum: Personal Finance   Topic: We have been really fortunate and dont know how to invest...

Posted: Sun Aug 14, 2016 5:26 am 

Replies: 17
Views: 919


I respectly disagree with DJFlare99 1. There is no evidence to suggest that long term investments in diversified low cost mutual funds won't continue to perform well - I actually add dividend funds in as well... 2. I've been investing for more years then I care to admit and I've found my ever increa...

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

Posted: Sat Aug 13, 2016 8:16 am 

Replies: 57
Views: 2711


LMoot I found this suggest you save it may prove helpful down the road...

http://www.topconsumerreviews.com/debt-relief-programs/?src=top.xoom&gclid=CIaH6Y7Xvs4CFc9ahgodxh8EOQ

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

Posted: Thu Aug 11, 2016 3:46 am 

Replies: 57
Views: 2711


Even RiP has seen the light on this one and agrees with me. :D Any discussion about using free credit card money has no place in a get rich slowly forum... Other then to highlight how bad an idea it is... ill ignore the backhanded remark... Because the subject is just too important.. Lmoot: Grade D.
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