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A place for Get Rich Slowly readers to ask questions
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Viewing profile - jamescruz

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User statistics

Joined: Wed May 16, 2012 1:54 am
Last visited: Tue Sep 03, 2013 11:40 am
Total posts: 17
[0.02% of all posts / 0.01 posts per day]
Search user’s posts
Most active forum: General Discussion
[ 6 Posts / 35.29% of user’s posts ]
Most active topic: Is College worth it.
[ 1 Post / 5.88% of user’s posts ]



E-mail address: E-mail
PM: Send private message
Location: Anaheim, CA
Age: 41
Occupation: Insurance Agent
Interests: Life insurance, auto insurance, homeowners insurance, health insurance, online insurance quote, Anaheim insurance
Website: http://jcruzinsurance.com/


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jamescruz Posts

Search found 17 matches
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 Forum: Personal Finance   Topic: What to do with extra money?

Posted: Mon Aug 19, 2013 9:34 am 

Replies: 10
Views: 1970

If you are generating extra money than what is needed, you can do so many things like paying off your mortgages and any outstanding bill, start an emergency fund, invest in IRA etc. It varies from person to person.

 Forum: Personal Finance   Topic: Permanent Life Insurance

Posted: Thu Aug 01, 2013 9:52 am 

Replies: 13
Views: 1793

Permanent life insurance will remain in effect until the insured dies, after which the death benefits will be paid out to the beneficiaries. It is substantially more expensive than term life insurance. Whether it is good for you or not depends on you. It requires a lot of thought and planning.

 Forum: General Discussion   Topic: salary negotiation?

 Post subject: Re: salary negotiation?
Posted: Tue Jul 23, 2013 8:41 am 

Replies: 8
Views: 5480

You need to understand the way how employers decide salary levels of their employees. They use a variety of bench marking tools. What you feel talk to your boss politely.

 Forum: General Discussion   Topic: Where does my money go?

 Post subject: Re: Where does my money go?
Posted: Sun Jul 14, 2013 7:53 am 

Replies: 12
Views: 6913

Use the Excel spreadsheet to create different categories for your monthly budget plan. Keep track of each spending at the end of the day. Evaluate it every week and total your expenses to take a close look at your spending on each item.

 Forum: General Discussion   Topic: Need some sound advice

 Post subject: Re: Need some sound advice
Posted: Sat Jul 13, 2013 8:30 am 

Replies: 7
Views: 6792

Keep your duplex and sell the other one. This is a tricky situation and you have to handle it very carefully. Either way to get out of your situation, selling one property will be a wise decision.

 Forum: Personal Finance   Topic: Ways for Making Extra Money - In High School/College

Posted: Thu Jun 28, 2012 12:41 am 

Replies: 23
Views: 6624

I like the idea of blogging and focus groups. I am totally an Internet addict and dont mind spending some extra hours writing on subjects that interest me. If I am good, ill make some money. It requires nothing, just some time out. So its a good idea for people who enjoy writing.

 Forum: Tips, Tricks, Links, Pointers   Topic: Cooking tips

 Post subject: Re: Cooking tips
Posted: Mon Jun 25, 2012 8:11 am 

Replies: 17
Views: 11497

There are lot of recipes in magazines with good pictures and these are generally the easy ones. I always look at them, cut them out if good and try it as my quick fix. They have good salads that are easy to prepare and can be even refrigerated for the next day.

 Forum: Community Involvement   Topic: How can we teach our kids early about managing money?

Posted: Tue Jun 19, 2012 9:42 pm 

Replies: 25
Views: 54804

I like the piggy bank idea. That is how my parents started giving me money and i got an understanding of how it shouldn't be spent unnecessarily. Kids realize that when using a piggy bank, their money gets exhausted and doesn't come back if they keep spending. So they learn to spend wisely. We as ki...

 Forum: General Discussion   Topic: Happy Fathers day

 Post subject: Happy Fathers day
Posted: Sun Jun 17, 2012 9:43 am 

Replies: 1
Views: 2000

A father is an anchor who holds us on and helps us sail through all the problems of life. He is a guiding light and would like to wish all the Fathers a happy fathers day for giving us their selfless love and support

 Forum: Tips, Tricks, Links, Pointers   Topic: Ways to save on necessary bills

Posted: Wed Jun 13, 2012 9:22 am 

Replies: 15
Views: 12599

Thats a nice long list and a great post. Thanks for sharing it. We need to be conscious about our environment and should save energy in all possible ways. This will not only benefit us but also our future. It also saves a lot of cost. If we develop good habits to save our resources, our children wil...

 Forum: General Discussion   Topic: Eating less meat - need some meal ideas

Posted: Mon Jun 11, 2012 12:45 am 

Replies: 18
Views: 8197

Instead of meat you can have grilled fish or grilled chicken instead. It is a much healthier and equally tasty alternative to meat. Also if you cant resist burger, have it with chicken instead and use brown bread. Avoid your mayo and eat the same thing in a healthier way.

 Forum: General Discussion   Topic: Your smartphone can now lower your Insurance rates

Posted: Tue Jun 05, 2012 1:38 am 

Replies: 12
Views: 3624

I read an interesting news about how your smartphone can now lower your Insurance rates. Ford and State Farm are working together to use Sync, a device which will be used to record the drivers behavior on the basis of his driving. Different factors will be used to detect how safe your driving is, an...

 Forum: Personal Development   Topic: Is College worth it.

 Post subject: Re: Is College worth it.
Posted: Tue May 29, 2012 1:34 am 

Replies: 38
Views: 17910

As rightly said in one of the above posts, college is an opportunity, if you make complete use of it, it is totally worth it. You need to make use of every resource and facility available to you for learning. So its totally in your hands what you want to make of it.

 Forum: Personal Development   Topic: What is more important to success: Logic or Emotions?

Posted: Wed May 23, 2012 10:03 pm 

Replies: 17
Views: 7249

You need a balance of both, logic and emotions. You just cant be practical all the time and never listen to your heart. Nor can you blindly follow your emotions. It is important to balance the two well. That is what ultimately leads to success. This success can be enjoyed only when done rightly with...
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