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

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Anne
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Joined: Wed Oct 17, 2007 5:50 am
Last visited: -
Total posts: 295
[0.34% of all posts / 0.10 posts per day]
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Most active forum: Personal Finance
[ 206 Posts / 69.83% of user’s posts ]
Most active topic: What is your savings rate?
[ 8 Posts / 2.71% of user’s posts ]

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Anne Posts

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 Forum: Personal Finance   Topic: Super Simple Math, that I can't do

Posted: Thu Jun 05, 2008 8:41 am 

Replies: 7
Views: 3370


If it were instead in the Orange Savings Account, it would earn a 3.00% APY, which is not the actual interest rate, it just means that you will earn 3% on your money over the timeframe of a year. Agree with marsman - you need to know whether the quoted rate is the annual percentage *rate* or the an...

 Forum: General Discussion   Topic: What about a scooter?

Posted: Wed Jun 04, 2008 1:43 pm 

Replies: 51
Views: 22404


As a scooter rider and occasional bike rider, I agree that the scooter does NOT belong in the bike lanes. I ride my scooter in the road and take the full lane (of course, I only ride on streets where I can keep up with traffic; my scoot goes up to 45 easily). It would be incredibly unsafe for both s...

 Forum: General Discussion   Topic: Product Liability

 Post subject: Re: Product Liability
Posted: Tue Jun 03, 2008 7:54 am 

Replies: 11
Views: 6794


I think the fact that you said things like

rhbee wrote:
Yes, the board was made in China, but how do I pursue a product liability case with so many other factors involved?


is what "confused" people into thinking you wanted to bring a lawsuit. :roll:

 Forum: General Discussion   Topic: Product Liability

Posted: Mon Jun 02, 2008 7:19 pm 

Replies: 11
Views: 6794


If it's really bothering you, call her doctor and ask if he thinks the reaction is consistent with topical exposure to lead. Also, you can report it to the CPSC: https://www.cpsc.gov/cgibin/incident.aspx If they get enough complaints they may investigate. Be sure to mention the latex allergy in your...

 Forum: General Discussion   Topic: Product Liability

Posted: Mon Jun 02, 2008 10:52 am 

Replies: 11
Views: 6794


What are her damages? The cost of the kickboard plus a $20 copay for the doctor's visit? You could try a polite, but strongly-worded letter asking for reimbursement. That's being generous. Sounds like this is indeed a latex allergy and she isn't entitled to anything.

 Forum: Personal Finance   Topic: Question: Include Employer Pension in Net Worth Calculation?

Posted: Mon Jun 02, 2008 10:45 am 

Replies: 3
Views: 2201


Your net worth is a statement of current assets and liabilities and answers the question, "how much would I have if I liquidated everything right now?" So you should include the current value of your pension. If you are able to pull half of the amount out today, that's what you should incl...

 Forum: Personal Finance   Topic: Investing for 10 years in the future?

Posted: Sat May 31, 2008 7:57 am 

Replies: 4
Views: 2956


I would use the money to pay down the mortgage as you go, for a guaranteed 5.875% return.

 Forum: Success Stories   Topic: Getting finances in order this year!!

Posted: Fri May 30, 2008 2:52 pm 

Replies: 3
Views: 6508


You are a rock star! Great job!

 Forum: Personal Finance   Topic: Car Advice (Not for Me, Exactly)

Posted: Fri May 30, 2008 1:46 pm 

Replies: 36
Views: 10304


I think there are people who see cars as a means to get from A to B, and people who enjoy the experience of driving a nicer car. If you enjoy a nicer car, it may well be worth it to spend more for it. IMO, frugal doesn't mean cheap, it means spending money on things and experiences that have value t...

 Forum: Personal Development   Topic: New here and am interested in some advice for a beginner

Posted: Thu May 29, 2008 2:01 pm 

Replies: 12
Views: 8174


Oh crap. I forgot to account for fuel, add another $200 a month and it looks like we are now officially in the hole. Excuse me while I go cry for a minute. Thanks. Well, keep the advice coming, it will be good for the future when we actually have a little to put away. If you don't have credit card ...

 Forum: Personal Finance   Topic: Stay liquid or start taxable investment?

Posted: Thu May 29, 2008 1:54 pm 

Replies: 8
Views: 3868


Woodchuck312 wrote:
I could be wrong but looking at the amount of money she is able to save, she may be making to much to qualify for a Roth IRA.


She said $10,000 is 17% of her income, so she makes around $59,000, well under the Roth contribution limit.

 Forum: Personal Finance   Topic: Stay liquid or start taxable investment?

Posted: Thu May 29, 2008 12:21 pm 

Replies: 8
Views: 3868


Don't invest in taxable until you've maxed out a Roth. Contributions to the Roth can be withdrawn, penalty-free, at any time, so you won't have to feel like you're locking your money up.

 Forum: Personal Finance   Topic: change repayment plan on sallie mae student loan?

Posted: Thu May 29, 2008 9:20 am 

Replies: 7
Views: 3903


That seems to be the catch there, it's not a full deferral but you are putting off part of your payment, so less principle is paid against early, which should amount to higher interest paid . Exactly. I'm having trouble seeing how this can be any other way. There has to be a balloon at the end or s...

 Forum: Personal Finance   Topic: Prepaying on Loans

Posted: Thu May 29, 2008 8:35 am 

Replies: 21
Views: 6974


Another way to look at it is that paying down your loans is equivalent to investing the money at a risk-free rate equal to your loan rate. So if your car loan is 5%, prepaying on it is a guaranteed 5% return. Not bad. What are your auto loan and student loan interest rates? Can you deduct your stude...
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