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Viewing profile - Savarel

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Savarel
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Joined: Tue Mar 23, 2010 3:31 pm
Last visited: Fri Dec 20, 2013 8:51 am
Total posts: 405
[0.45% of all posts / 0.17 posts per day]
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Most active forum: Personal Finance
[ 284 Posts / 70.12% of user’s posts ]
Most active topic: Savarel's Goals for 2010
[ 20 Posts / 4.94% of user’s posts ]

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Savarel Posts

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 Forum: Personal Finance   Topic: Plans for $1000 investment

Posted: Wed Dec 18, 2013 2:25 pm 

Replies: 40
Views: 4932


Bear Sterns went bankrupt.

 Forum: Personal Finance   Topic: Plans for $1000 investment

Posted: Wed Dec 18, 2013 12:16 pm 

Replies: 40
Views: 4932


Perhaps, but announcing you have the "secret" formula too loudly will end up getting your methods and secrets reverse engineered until everyone has the secret, or maybe having too much money moving around causes market pressures that disrupt your formula. Even if you are confident in using...

 Forum: Personal Finance   Topic: Plans for $1000 investment

Posted: Wed Dec 18, 2013 10:44 am 

Replies: 40
Views: 4932


If you could make a consistent 20% return using any formula, you would not be soliciting others to follow you. You would keep quiet and rake in the dough from some caribbean beach. Anyone yelling from the rooftops about their "secret" investing formula is either scamming you or is an idiot...

 Forum: Personal Finance   Topic: Am I The Grinch? No Gifts Please!!!

Posted: Tue Dec 17, 2013 8:55 am 

Replies: 8
Views: 1846


I have a policy my entire life of never requesting a gift, at least since my early teens. If someone asks what I want for Christmas/birthday/whatever, I say nothing. I get stuff anyway, but I mean it when I say its OK to not get me anything. Just come over and hang out and have a good time. That is ...

 Forum: Personal Finance   Topic: Boost my income

 Post subject: Re: Boost my income
Posted: Wed Dec 04, 2013 8:01 am 

Replies: 10
Views: 2441


Give us a ballpark figure of what you make now, and the general location of where you live, for cost of living purposes. The best way to boost your income is to get a new job, or get promoted. If you just got promoted and got a pay raise, then either you are making enough and have a spending problem...

 Forum: Personal Finance   Topic: 100k by 30?

 Post subject: Re: 100k by 30?
Posted: Wed Nov 27, 2013 10:25 am 

Replies: 18
Views: 9515


Its very subjective. What is the cost of living in your area. I make pretty good money here, and the cost of living is relatively low. However, its less than $100K. I could move to silicon valley and take a job making $101K per annual and due to cost of living, be taking a paycut in terms of real sp...

 Forum: Personal Finance   Topic: Am I saving too much for retirement?

Posted: Wed Nov 27, 2013 10:14 am 

Replies: 12
Views: 3976


I would hit the student loan debt before the auto debt. Its not dischargeable in bankruptcy(not that this looks to be a problem for you in the future, but you never know, you could be hit by a bus tomorrow and disabled for the rest of your life), and has a higher interest rate. Plus, once its gone, ...

 Forum: Personal Finance   Topic: Can I rely on Social Security being there by retirement?

Posted: Wed Nov 20, 2013 10:33 am 

Replies: 11
Views: 2124


Plan on it being there, but being reduced to about 70%. That is the level where SS is projected to be fully funded by current tax levels.

 Forum: Personal Finance   Topic: what do you do when you're not well off?

Posted: Wed Nov 13, 2013 1:25 pm 

Replies: 39
Views: 3956


Its a fairly murky topic when you get into exactly when a child should be taken from their parents, and its probably outside the scope of this thread, but you have to be careful in thinking that a life as a ward of the state is going to be better than anything but the absolutely scummiest parents ou...

 Forum: Personal Finance   Topic: what do you do when you're not well off?

Posted: Wed Nov 13, 2013 1:06 pm 

Replies: 39
Views: 3956


Im pretty sure a majority of even the dirtiest ghetto children would prefer life to not being born. I dont advocate having children for any reason other than wanting the experience of raising a child, but its hard to imagine too many people in the western world waking each day wishing that their mot...

 Forum: Personal Finance   Topic: When is it okay to splurge on a toy? i.e.) sports car, etc

Posted: Wed Nov 13, 2013 1:02 pm 

Replies: 11
Views: 2251


Your student loan debt is hideous and should be paid down before you start splurging. It certainly wasn't the worst decision, but there will be plenty of time to live it up after you pay off your debt.

 Forum: Personal Finance   Topic: what were your parents like financially?

Posted: Wed Nov 13, 2013 1:01 pm 

Replies: 19
Views: 2432


My parents were a financial black hole, wasting more money than the federal government. Both born to parents of modest means, my father's business became very successful for a couple of decades, and they went crazy. Between the two, they made, and Im estimating here, $150K to $200K a year, and yet t...

 Forum: Personal Finance   Topic: what do you do when you're not well off?

Posted: Wed Nov 13, 2013 12:55 pm 

Replies: 39
Views: 3956


And the happiness of parents, IMO, depends completely on if you really wanted to have children, or if you were pressurred into it. It is a lot of work and sacrifice, but there are plenty of good things. I went trick or treating with my daughter for the first time this year, and had a blast. I also r...

 Forum: Personal Finance   Topic: what do you do when you're not well off?

Posted: Wed Nov 13, 2013 12:51 pm 

Replies: 39
Views: 3956


Having kids is not any different that choosing to spend your money on other things. Instead of three vacations, you take two. Instead of eating out twice a week, you do it once. Kids do not cost that much more unless you go crazy. Usually, the same things that haunt childless couples get those with ...
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