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Viewing profile - coach2wealth

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coach2wealth
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Joined: Thu Mar 25, 2010 12:02 pm
Last visited: Tue Jun 15, 2010 9:22 am
Total posts: 10
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 4 Posts / 40.00% of user’s posts ]
Most active topic: Buying a new house
[ 1 Post / 10.00% of user’s posts ]

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Location: Charlotte, NC
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Website: http://www.learntobewealthy.com

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Normal is broke. 70% of Americans live paycheck to paycheck. Most Americans are losing sleep and stressing over their finances. Join us for http://www.freepersonalfinanceseminar.com/. There is no obligation and you don't need to share any contact information.

coach2wealth Posts

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 Forum: Personal Finance   Topic: Changing a credit card?

 Post subject: Re: Changing a credit card?
Posted: Tue Jun 15, 2010 9:12 am 

Replies: 5
Views: 2689


My 2 cents... Miles cards aren't that great of a deal. Almost 90% of all miles accumulated are never used. The ability to use the miles is often very limited. It many cases, if you just save the fees these cards charge you can buy your own ticket cheaper and easier. I'm not anti-credit. I am anti-de...

 Forum: News & Announcements   Topic: Jake from Vancouver (new guy)

Posted: Fri Apr 30, 2010 7:39 am 

Replies: 1
Views: 7580


It is great to seeing you get on a good financial plan early in life. You have a great chance to win!

 Forum: Tips, Tricks, Links, Pointers   Topic: How have you simpilifed your personal finances?

Posted: Fri Apr 30, 2010 7:29 am 

Replies: 28
Views: 18037


Paying off all our debts reduced the number of payments we need to send out. We also do bills and budget review at a specific time every week. Keeps us on the same page and everything flowing smoothly.

 Forum: Personal Finance   Topic: Buying a new house

 Post subject: Re: Buying a new house
Posted: Mon Apr 26, 2010 6:22 am 

Replies: 14
Views: 2509


If you consider all factors when buying your personal residence, then financially you are better off renting unless you are sticking around for 5 years, and there is still no guarantee. If you don't love it, then don't do it. I also agree with staying away from any "investment" that involv...

 Forum: Personal Development   Topic: How to choose a grad school when already under debt?

Posted: Fri Apr 23, 2010 1:02 pm 

Replies: 4
Views: 6651


If you do the math on how much the extra education will bring you in income versus paying back the debt over many years, I think you'll find that it is a lousy "investment". I'm very much for spending money on education, but it all breaks down to the value proposition. If you're going to t...

 Forum: Personal Finance   Topic: question on paying cash for a car

Posted: Tue Apr 20, 2010 12:19 pm 

Replies: 31
Views: 5029


Joining in back on the original topic. I ditto the comments about knowledge. Remember, most dealers pay under KBB wholesale for trading and auction vehicles. Sometimes they pay substantially less. Don't get emotionally attached to a specific vehicle. Make your offer and be prepared to walk away if i...

 Forum: Personal Development   Topic: Lavish lives of luxury

 Post subject: Re: Lavish lives of luxury
Posted: Fri Apr 16, 2010 7:39 am 

Replies: 3
Views: 4648


Yep, that's how it's done. Most people spend their wealth on the hear and now. I foolishly lived this way for many years. I turned around several years ago and I've been amazed at my financial turn around. What would have been if I had only been taught about money early in life. I'm sharing what I k...

 Forum: Personal Development   Topic: quit the sin

 Post subject: Re: quit the sin
Posted: Fri Apr 16, 2010 7:35 am 

Replies: 2
Views: 3384


Congratulations! My father smoked from his late teens until he died. I can't create a mental picture of my father without him holding a cigarette. He once estimated he spend over $300K on cigarettes. If you factor in the earning potential of that money, we're talking millions. He passed years ago. I...

 Forum: Personal Finance   Topic: How to build a credit history if can't get a card??

Posted: Fri Apr 16, 2010 7:15 am 

Replies: 20
Views: 2762


I agree that a secured card is a good place to start, but I'd seriously consider just avoiding debt. Wealthy people don't pay interest they earn it.

I only make this point because your post mentioned being denied credit for a retail purchase. I believe in having good credit, but avoiding debt.
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