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It is currently Thu Feb 11, 2016 8:06 am



Viewing profile - RayinPenn

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RayinPenn
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Joined: Sat Dec 10, 2011 7:25 am
Last visited: Wed Jan 27, 2016 6:43 am
Total posts: 928
[1.05% of all posts / 0.61 posts per day]
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Most active forum: Personal Finance
[ 843 Posts / 90.84% of user’s posts ]
Most active topic: Dave Ramsey story on CNN Money
[ 25 Posts / 2.69% 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: Facing a mountain....

 Post subject: Re: Facing a mountain....
Posted: Mon Nov 30, 2015 4:44 am 

Replies: 6
Views: 8096


Get a copy of Dave Ramsey's financial peace university used or better yet from the library and read it. If you can watch his show -there is a free app too.

1. Sell every piece of the stuff you can.
2. Write down where every dollar goes.
3. Adopt the mantra consumer debt is the enemy - it is!

 Forum: Personal Finance   Topic: Forex Trading

 Post subject: Re: Forex Trading
Posted: Sun Nov 29, 2015 9:33 am 

Replies: 2
Views: 4555


I am a newbie when it comes to managing my personal finance. To be honest I have made a bit of a mess in the past and am looking for some expert advice. I am now in a position to make wise investments. Does anyone have an opinion on Forex Trading? Should I consider it as a vehicle to grow investmen...

 Forum: Personal Finance   Topic: Life After Debt-Free --- Now What?

Posted: Fri Nov 27, 2015 4:47 pm 

Replies: 18
Views: 17021


Of course youre right my approach wouldn't be best for all... I just get worried people will put their nos into one of those calculators and get frustrated... "I can't save enough to to meet my goal" and then use it as an excuse to do nothing.... No worries I'm thinking my phrase "as ...

 Forum: Personal Finance   Topic: Life After Debt-Free --- Now What?

Posted: Fri Nov 27, 2015 9:49 am 

Replies: 18
Views: 17021


I said as long as we saved all we could the rest took care of itself. Guess what? it did. I think this is the part that tends to get people riled up. It's a common philosophy among people making poor decisions. Can't afford to have kids? Have 'em anyway. As long as you love them, "the rest wil...

 Forum: Personal Finance   Topic: Life After Debt-Free --- Now What?

Posted: Fri Nov 27, 2015 8:53 am 

Replies: 18
Views: 17021


if one desires to be an old, laid up man who still hasn't retired in their 60's, maybe not using goals is ok. but, for those of us who want to retire by a certain date AND want to maintain a certain standard of living, goals are the key to making decisions with money TODAY. 1) had a conversation wi...

 Forum: Personal Finance   Topic: Life After Debt-Free --- Now What?

Posted: Thu Nov 26, 2015 7:36 am 

Replies: 18
Views: 17021


We didn't have a specific number goal when we went debt free - about 20 years ago. And at the time the only debt we had was a small mortgage. We just stayed the course so to speak. 1) no $4 cups of coffee 2) shopped with coupons 3) kept busy with kids and being the handyman /woman. Work on rental pr...

 Forum: Personal Finance   Topic: Payoff home faster or not ?

Posted: Wed Nov 18, 2015 8:26 pm 

Replies: 15
Views: 13198


1) What are your salaries? What do you bank presently? 2) emergency fund? 3) any other savings? 4) any other debt? I Personally find being debt free awesome but in reality putting the money in low cost diversified mutual funds may yield better results. Also a mortgage is a kind of forced savings - t...

 Forum: Personal Finance   Topic: How to save money before tax?

Posted: Tue Nov 17, 2015 4:48 am 

Replies: 12
Views: 6627


VinTek wrote:
Seriously, just live within your means.


Respectfully, I think it would be prudent and even better to live below your means. Then perhaps you won't need to borrow.

 Forum: Personal Finance   Topic: Advice from people who have "walked the talk"

Posted: Tue Nov 17, 2015 4:08 am 

Replies: 8
Views: 4934


We bought a new family SUV that we paid 50K for in January that was paid off this month (we traded out other paid off car as a 20K down payment). The car was a bad move but we take a lot of trips in it so we justified the price. "I have no garage" and "the house is a ghetto" Resp...

 Forum: General Discussion   Topic: knees and hips 101

 Post subject: Re: knees and hips 101
Posted: Wed Nov 11, 2015 9:44 am 

Replies: 2
Views: 5593


Thanks left knee only...thank god.

 Forum: General Discussion   Topic: knees and hips 101

 Post subject: knees and hips 101
Posted: Wed Nov 11, 2015 6:45 am 

Replies: 2
Views: 5593


They called nearly two weeks ago and said I would be required to attend a pre surgical class. Tuesday at 4:30 (yesterday) you should bring the person who will help you. My expectations were beyond low, I couldn't imagine what they needed two hours to discuss? My mood said 'pain management'. - the do...

 Forum: Personal Finance   Topic: Job interview - Company said to expect delayed paychecks

Posted: Mon Nov 09, 2015 4:35 am 

Replies: 3
Views: 4725


Clearly this job is a big gamble but since you don't have anything else go for it; keep looking for more stable opportunities. Your plan is solid.

Good luck.

 Forum: Personal Finance   Topic: Am I doing life right?

 Post subject: Re: Am I doing life right?
Posted: Mon Oct 26, 2015 3:27 am 

Replies: 14
Views: 7103


Were I to be in your shoes 1) Cease saving (you have a sufficient emergency fund) and put every extra dime into those student loans. I'll bet you can crush those loans in 3 years or less 2) obviously stop using those darn credit cards - brown bag your life! 3) your considering marriage and you have ...

 Forum: Personal Finance   Topic: Credit Consolidation Options

Posted: Sat Oct 24, 2015 1:06 pm 

Replies: 8
Views: 3427


Dom, RRM is spot on with the suggestion that if you can't get a handle on your spending you'll never get out of the hole your in. Alow me to state the obvious 1) write down every dime you spend 2) brown bag your life - no $4 cups of mocha Java whatever, cut everything, sell anything you can and reti...
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