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A place for Get Rich Slowly readers to ask questions
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It is currently Wed Aug 24, 2016 9:38 pm



Viewing profile - Bichon Frise

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Bichon Frise
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Joined: Fri May 04, 2012 2:23 pm
Last visited: Wed Aug 24, 2016 11:18 am
Total posts: 1076
[1.21% of all posts / 0.68 posts per day]
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Most active forum: Personal Finance
[ 976 Posts / 90.71% of user’s posts ]
Most active topic: Trying to plan for my taxes next year
[ 17 Posts / 1.58% of user’s posts ]

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Bichon Frise

"If you only have 1 year to live, move to Penn...as it will seem like an eternity."

avocado wrote:
Good to see you back, I was starting to miss your incisive commentary!

Bichon Frise Posts

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 Forum: Personal Finance   Topic: Downgrading car worth it?

Posted: Tue Aug 16, 2016 8:47 am 

Replies: 8
Views: 172


Only one person wins when making car transactions. And that person is not you. If you can afford the car, keep it. If it is draining you, sell it.

Since you don't want to provide more personalized details, you get a canned response.

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

Posted: Tue Aug 16, 2016 8:34 am 

Replies: 57
Views: 925


Waiting for the "why not being diversified makes sense for me" thread.

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

Posted: Mon Aug 15, 2016 12:18 pm 

Replies: 57
Views: 925


LMoot wrote:
Thank you RayinPenn, I will : ) I'll file it in my "Nothing in life is guaranteed, including life" folder, next to "Anything can go wrong, but not everything will go wrong".


pffft....millennials.

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

Posted: Thu Aug 11, 2016 1:46 pm 

Replies: 57
Views: 925


Furthermore, this "risk" is not the same as investment risk is suggested. If one is highly organized with a good safety margin, the "risk" by doing this is basically negligible. So back to the original post, LMoot's strategy, yes it's a bit risky. But so is starting a business o...

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

Posted: Thu Aug 11, 2016 7:41 am 

Replies: 57
Views: 925


That's OK. As an infamous millennial I'm used to the older generations' overall criticism and rejection of everything newfangled. Didn't mean to shake up the regularly scheduled broadcast of "invest in stocks, buy used cars always, and get a degree in a STEM-related field." No, borrowing ...

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

Posted: Thu Aug 11, 2016 7:25 am 

Replies: 57
Views: 925


back to the subject at hand. using 0% loans from credit cards is idiotic. too much risk if you make one mistake along the way. Capital is cheap today. I'm just grateful I've never had to resort to these tactics. I know we can't all make it into the "2 comma club" before age 30, but I have...

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

Posted: Wed Aug 10, 2016 3:05 pm 

Replies: 57
Views: 925


back to the subject at hand. using 0% loans from credit cards is idiotic. too much risk if you make one mistake along the way. Capital is cheap today. I'm just grateful I've never had to resort to these tactics. I know we can't all make it into the "2 comma club" before age 30, but I have ...

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

Posted: Mon Jul 25, 2016 7:52 am 

Replies: 57
Views: 925


just hope one day, that house of cards of doesn't fall at the most inopportune time. Then, the hammer will fall, and it will hurt.

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

Posted: Fri Jul 22, 2016 8:38 am 

Replies: 57
Views: 925


I know Lmoot will have a million caveats on why her situation is unique and why it can be expanded to the rest of the world. But, what is proposed above is poor advice for the general public.

 Forum: Personal Finance   Topic: Protection from Insurance Company

Posted: Tue Jul 19, 2016 11:31 am 

Replies: 10
Views: 318


My experience has been totally different. When I was hit by a vehicle when I was on my bicycle a couple years back, my medical insurance processed and paid all bills. They then filed a lien on any settlement I may have received, ensuring they would be made whole through any settlement or compensatio...

 Forum: Personal Finance   Topic: Credit Card Flight Miles - reality check

Posted: Mon Jun 20, 2016 12:08 pm 

Replies: 4
Views: 1185


points "earned" within credit card schemes usually have a fixed value of $0.01/point if redeeming for gift cards or statement credit. So, 40,000 = $400. I have about 400,000-500,000 chase ultimate reward point and the same number in amex membership rewards. Obviously, a lot in points with ...

 Forum: Personal Finance   Topic: Help with 401k and IRA Roth

Posted: Mon Jun 13, 2016 6:51 am 

Replies: 1
Views: 764


no bonds? no international? you should have a desired asset allocation, which includes some amount of bonds, and you should rebalance at least annually to maintain that asset allocation. Not what you contribute, but what your accounts actually are. With a relatively low balance, you don't need to bu...

 Forum: Personal Finance   Topic: Early Retirement Planning - All feedback welcome

Posted: Fri Jun 03, 2016 9:36 pm 

Replies: 8
Views: 913


target funds, or funds of funds, can be beneficial if your nest egg is pretty simple. But, as you are most likely figuring out, it may be better to invest in the funds you need, in the proportion you need it over various accounts. So, what are your 401k options? and have you read about tax efficient...

 Forum: Personal Finance   Topic: To tax or not to tax

 Post subject: Re: To tax or not to tax
Posted: Fri Jun 03, 2016 9:27 pm 

Replies: 1
Views: 305


i truly believe you can benefit tax and penalty wise by rolling over the funds to an IRA, which is generally advisable. The reasoning being, the 401k's rules may complicate things, although, I think if you've separated from employment they really can't get in the way. the money you contribute to a r...
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