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A place for Get Rich Slowly readers to ask questions
and exchange ideas
It is currently Thu Sep 29, 2016 1:30 am

Viewing profile - jpham540

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Joined: Sun Jan 06, 2013 10:30 pm
Last visited: Sat Sep 24, 2016 3:11 am
Total posts: 171
[0.19% of all posts / 0.13 posts per day]
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Most active forum: Personal Finance
[ 98 Posts / 57.31% of user’s posts ]
Most active topic: Dirty Laundry
[ 9 Posts / 5.26% of user’s posts ]



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jpham540 Posts

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 Forum: Fiscal Fitness Journals   Topic: Dirty Laundry

 Post subject: Re: Dirty Laundry
Posted: Fri Sep 16, 2016 9:44 am 

Replies: 169
Views: 84417

Sorry to hear about that branch doing damage and that's a big expense to. My property been vacant for like 4 month and my property manager just listed the property for rent. I had a bunch of expense fixing it up so I can feel the pain :lol: . Have you ever thought about teaching oversea? I met a cou...

 Forum: Personal Finance   Topic: Buying a car: Cash down or loan?

Posted: Mon Sep 12, 2016 10:49 pm 

Replies: 3
Views: 158

I have saved enough (and some) for a down payment on a house, but I am in no hurry to buy one, I might end up spending 6-12 months looking for one. I already have 1 car on finance but looking at buying another one (as both me and my wife need 1 for commuting). I am looking at buying one for ~30K. W...

 Forum: Personal Finance   Topic: Where do you stash your rainy day money?

Posted: Thu Sep 08, 2016 10:34 am 

Replies: 8
Views: 370

I used a online saving account which is gs bank (formerly Ge bank), at the moment they're paying 1.05%. That is my emergency fund and don't plan on using unless it's a emergency.

 Forum: Personal Finance   Topic: fun money?

 Post subject: Re: fun money?
Posted: Sun Sep 04, 2016 4:55 am 

Replies: 7
Views: 373

Thanks for the input Lmoot.

Isn't all money fun money?

I wish it was, good thing I have some self control :lol: . Otherwise I would be broke. I got a long bucket list/items I want to buy.

 Forum: Personal Finance   Topic: How is the ROI for business owners

Posted: Sun Sep 04, 2016 4:53 am 

Replies: 8
Views: 429

Trading what will be a good course mentor for trading be it stocks or forex and make a good ROI is 30-50% easily achievalble with this? Real estate investing ive managed to find out that you can get roughly 20% per year with that if the property value increases by 10% in 5 years and your loosing le...

 Forum: Personal Development   Topic: Pay off rental mortgage with life insurance policy?

Posted: Sun Sep 04, 2016 4:34 am 

Replies: 6
Views: 389

The rental property gives us $855 a month, this is just under the monthly mortgage payment. I pay an additional $400 a month in principal. Seem like you're already cash flow negative on this rental property. Is their anyway you can increase the rent later on? If not maybe a refinance like LMOOT sug...

 Forum: Fiscal Fitness Journals   Topic: My Road to my 1st million

Posted: Sun Sep 04, 2016 4:09 am 

Replies: 32
Views: 9177

Hey good job on growing your net worth, I can relate on working in Afghanistan. I'm currently writing this in Afghanistan :rofl: . So yeah you know how it goes money is good. I will probably be done in October but will be going to the uk for another job. Getting tired of the warzone. I have 3 sfr an...

 Forum: Personal Finance   Topic: Wich investment are best to start with?

Posted: Sun Sep 04, 2016 3:55 am 

Replies: 4
Views: 327

Just stick with index funds, without knowing much about your finance its hard to say. Index funds give you more diversification, but I would consider investing only if you have a strong financial foundation. Do you have 3-6 month emergency fund? Any consumer debt or student loan? Do you have a 401k?...

 Forum: Personal Finance   Topic: Review of Financial situation

Posted: Sun Sep 04, 2016 3:50 am 

Replies: 6
Views: 631

I think you should go ahead and max out the other 401k, doing so would reduce your taxable income. I would really like to lower it down to manageable before arm resets in 7 years. I would be a bit nervous about the arm not sure what your interest rate is, but down the line I would consider refinanci...

 Forum: Personal Finance   Topic: fun money?

 Post subject: fun money?
Posted: Sun Aug 28, 2016 12:42 am 

Replies: 7
Views: 373

Hi people just wondering if anyone on here have a account just for fun money to buy items and splurge a bit? How much do you normally save a month for fun money? I just started recently maybe about 3 month ago and been putting about $500/mo, just wanted to see how much people is socking away. I'm no...

 Forum: Personal Finance   Topic: Need motivation

 Post subject: Re: Need motivation
Posted: Fri Aug 26, 2016 11:32 pm 

Replies: 12
Views: 478

Seem like you have a good handle on your expense. I think you should use your saving money to retire that car loan, unless you see yourself losing your job in the next couple of month. You can always rebuild your saving account.

Good luck with your descision

 Forum: News & Announcements   Topic: Walking Down The Road To Financial Independence

Posted: Fri Aug 26, 2016 11:21 pm 

Replies: 2
Views: 9031

Welcome to the forum Tyler,
Seem like we need more information so that we can help you. Maybe you should post all of your monthly income/expense so we can see what you're working with. Also what's your short/long term goals, that way we can assess your situation.

 Forum: News & Announcements   Topic: Share your Net-Worth!

 Post subject: Re: Share your Net-Worth!
Posted: Fri Aug 26, 2016 11:18 pm 

Replies: 12
Views: 11684

My net worth is $664,722, I'm 29 years old and I have been kind of in and out of this forum for awhile. I will try to be more active on this forum. You can follow me on my blog on my signature. I accumulated my wealth from working oversea and still currently working oversea now. I also do a lot of i...

 Forum: News & Announcements   Topic: Hello from Wisconsin!

 Post subject: Re: Hello from Wisconsin!
Posted: Fri Aug 26, 2016 11:04 pm 

Replies: 5
Views: 1924

Welcome Tom and good luck on your journey.
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