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A place for Get Rich Slowly readers to ask questions
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Viewing profile - danielle17

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danielle17
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Joined: Wed Nov 28, 2007 3:07 pm
Last visited: Wed Feb 18, 2009 2:09 pm
Total posts: 237
[0.27% of all posts / 0.07 posts per day]
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Most active forum: Personal Finance
[ 227 Posts / 95.78% of user’s posts ]
Most active topic: parental dilemma
[ 11 Posts / 4.64% of user’s posts ]

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danielle17 Posts

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 Forum: Personal Finance   Topic: Getting the boot from my house! (first time homeowner?!?!?!)

Posted: Wed Feb 18, 2009 7:22 am 

Replies: 33
Views: 8920


So what about it makes you angry? Ins't this exactly the research you'd like to see people considering home ownership take? Isn't this exactly the behavior you'd like to see? I can appreciate your frustration with the bail out however I think it's misplaced here. Perhaps start a thread in General D...

 Forum: Personal Finance   Topic: Getting the boot from my house! (first time homeowner?!?!?!)

Posted: Tue Feb 17, 2009 2:36 pm 

Replies: 33
Views: 8920


I am a bit angry that i keep hearing on the news every night how my tax dollars (and my kids tax dollars) are going to pay for all of these bailouts we keep passing - so yeah, when I read another post by someone else who seems to think with 1k in liquid assets and a 30k paycheck that they can buy a ...

 Forum: Personal Finance   Topic: Getting the boot from my house! (first time homeowner?!?!?!)

Posted: Tue Feb 17, 2009 9:35 am 

Replies: 33
Views: 8920


No offense, OP, but you are exactly the prototype home-buyer who has gotten us into this housing crisis in the first place. You have too little downpayment, and you are just not ready to buy a house. But for some reason you want to anyway. How would you feel about buying an 80k house, finding out in...

 Forum: Personal Finance   Topic: Pre pay mortgage or student loan?

Posted: Mon Feb 02, 2009 8:03 pm 

Replies: 9
Views: 4261


If I were you, this is what I would do. Pre-pay the mortgage until you can get rid of the PMI, because you are just throwing money away in PMI. Then throw all of your extra money at your student loan once you get rid of the PMI. I realize people talk about student loans not really being "bad&qu...

 Forum: Personal Finance   Topic: Paying credit cards in full monthly...

Posted: Wed Jan 28, 2009 8:30 am 

Replies: 14
Views: 5830


If your bill is due 2/1, you have to pay the balance as of your last statement in full in order to be not charged interest. For example, a credit card statement closes on 1/1. The closing balance for that statement is 1000. Likely the bill will be due 2/1. Between 1/1 and 2/1 you might put more thin...

 Forum: Personal Finance   Topic: When to Refinance?

Posted: Mon Jan 19, 2009 7:42 am 

Replies: 2
Views: 2236


i have never heard of refinancing a car note.

I would just pay it off ASAP. Turn that 321 payment per month into a 721 payment.

 Forum: Personal Finance   Topic: 401k Match Changes

Posted: Thu Jan 15, 2009 12:32 pm 

Replies: 7
Views: 2902


I'm all for ranting, I do it all the time, but consider yourself lucky to get a match. My company just implemented a match this year, and I bet they are sorry they did - but its still quite paltry. I am putting in the max allowed by law (now 16500) and my match is about $500 for all of 2008.

 Forum: Personal Finance   Topic: Affluenza

Posted: Thu Jan 15, 2009 10:25 am 

Replies: 21
Views: 11862


brad, i agree with you completely, but sometimes there is no denying the "quality" aspect of some luxury goods. For example: jeans. I can't believe i'm saying this, but I own 2 pairs of designer jeans. Cost for each pair - about $130. Yet - they are THE BEST JEANS i have ever owned, and I ...

 Forum: Personal Finance   Topic: Affluenza

Posted: Thu Jan 15, 2009 9:09 am 

Replies: 21
Views: 11862


I have heard about this although I have not seen it. It is also a book: http://www.amazon.com/Affluenza-All-Consuming-Epidemic-John-Graaf/dp/1576751996 I find myself falling into the traps of it to some extent..... Do you know many women who covet that designer bag (at a tune of $500)? Watch Sex in ...

 Forum: Personal Finance   Topic: Is car debt always bad?

Posted: Thu Jan 15, 2009 8:28 am 

Replies: 83
Views: 20076


What do you mean? A Honda Fit or Civic does not depreciate like all the other new cars? This is correct. If you have ever been in the market for n-used cars (meaning - cars which are 1-2 years old and low miles) the difference between a brand new toyota or honda and a nused toyota or honda are almo...

 Forum: Personal Finance   Topic: Is car debt always bad?

Posted: Tue Jan 13, 2009 12:57 pm 

Replies: 83
Views: 20076


Quote:
uh sorry but you are the one with the misinformed statement. She is looking at a used luxury car, not a brand new bmw which would give you free service for a few years.


free maintenance often applies to certified used also.

 Forum: Personal Finance   Topic: Is car debt always bad?

Posted: Fri Jan 09, 2009 1:57 pm 

Replies: 83
Views: 20076


Woodchuck312 wrote: yeah and just wait until you get your service bills on your new used luxury entry level car that's a misinformed statement, considering that bmw covers all service for 4 years/50k I have already looked into this, but thank you for pointing it out. Yes, traditionally service bill...

 Forum: Personal Finance   Topic: Is car debt always bad?

Posted: Fri Jan 09, 2009 9:36 am 

Replies: 83
Views: 20076


On a side note; I certainly wouldn't want to spend 20k on a USED car. I bought a brand new car this year (yes with a loan), which has it's own faults, but I only paid 16k for it NEW. Maybe you could help Sarah locate a slightly cheaper car of similar "class" as her 20k used car? maybe not...

 Forum: Personal Finance   Topic: Is car debt always bad?

Posted: Fri Jan 09, 2009 7:39 am 

Replies: 83
Views: 20076


Ok - let me just state that I like dave ramsey's ideas and that in general he provides a good path for people who struggle with money to get "on the right path" But - there are a few reasons why having a car loan would be good, and a few why they would be bad, and frankly - they all depend...
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