squirrel

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Posts posted by squirrel

  2. People that have not paid their home mortgage in over a year, and have the nerve to ask for money to leave the house in clean condition. Its called "cash for keys" in the real estate repo world. Banks now pay people to leave the house that they have lived in free for months, if not years. I do know honorable people that have simply called the banks and said the keys are under the mat, but those are few, and far between.


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  4. "went to the symphony last night in slacks, black t, black sport coat and fit right in. "

    makes me think of the last show we went to at the Pantages in Los Angeles. it was a matinee, so we went casual, ...jeans, t-shirt, fleece. glad we did to because there was a crazy storm, flooded the streets, and all the folks in leather shoes, slacks, nylons, and such were really hating it slopping through a foot of water to cross the street to get to the theater! my tennis shoes got wet, bummer. :P



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    When you see a movie scene of a wedding,



    we got married in leather, leaping from a plane....guess we belong to the 10% group. thats ok, normal is boring, broke, and going nowhere. people today are so "in the box" that society has created its crazy. personally, i became much more successful wearing a t-shirt and not some monkey suit with a slip knot around my neck. and i would hope that if i ever got dragged in a courtroom that i would be judge by people that cared about the facts, not what they are wearing.


    I completely agree with you. When I look at people like Richard Branson and other successful people who think in unconventional ways, it's refreshing.

    As unfortunate as it is, however, the majority of people in modern society do not think/feel/react this way and if you showed up to court, charged with a crime, with a disheveled appearance, dirty and in tattered clothing, with mannerisms to match, people in the jury box will form an impression of you - as predjudicial as that may be. The facts of the case may be entirely opposite of your appearance even. It's sad, but it's true. So really... you'd roll the dice against yourself? Hard to believe, but go ahead and gamble. Not much of a betting man myself. I'd rather do things that help my chances for success.


    good points. for some reason a tie is very uncomfortable to wear. so a collar shirt is the most i would wear. having been called to jury duty at the local county courthouse, a simple collar shirt is acceptable.

    but watching the continuing dumbing down of society, and the fact that many people have very set and skewed paradigms in place, i accept that if i were to be judge by my peers, i am pretty fucked anyway. :|


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  6. Quote


    When you see a movie scene of a wedding,



    we got married in leather, leaping from a plane....guess we belong to the 10% group. thats ok, normal is boring, broke, and going nowhere. people today are so "in the box" that society has created its crazy. personally, i became much more successful wearing a t-shirt and not some monkey suit with a slip knot around my neck. and i would hope that if i ever got dragged in a courtroom that i would be judge by people that cared about the facts, not what they are wearing.


    ________________________________
    Where is Darwin when you need him?

  7. well, you could get a note from your doctor to permanently dismiss you from jury duty because you can not sit for long periods of time. but that might mean having two 14" titanium rods and 3 dozens screws put in your back, like my wife. :o

    i simply mention that i had a family member involved in the drug trade that was murdered. they kick me out the door every time. :|



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    I consider 401K and IRA to be risky investments after the last round of ripoffs that Wall Street managted to get away with...

    But you can have those funds invested in many thinks, even very secure bond funds. It doesn't all have to be in stocks.



    and if you choose to have someone manage it, you have got to have a good person. too many people blindly use the person provided by their company.


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  12. Quote

    so why didn't you tell her to quit her job?

    Because I live in NJ and I wasn't making that much and we both had to work.




    bummer. :|


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  13. so why didn't you tell her to quit her job?

    my wife was unemployed when i met her, now makes more that me...but we really don't have "his" and "hers" money...its "our" money, our time, our life.

    great people come in all packages, wrappers, and colors.


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  14. Quote


    2) Smart, minimum BS in something



    i just read the list again....ha! you are so far off dude. my wife only has an "AS".... so she would have not have qualified for your standards...

    but..

    too bad she makes a boat load of $, owns her own business, and she is a size zero. my advice, stop looking.


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    (my score is around 800)



    So... how YOU doin?B|


    "any company that could ruin my credit score with a late payment (my score is around 800)"

    company = man :P:P:P


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    That was abundantly clear. I think I spend too much time in SC :P

    Wendy P.



    :D:D:D

    yeah, i don't tread in there...no money in it. :D:D:D


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    he is also very christian, i am not.

    Dave Ramsey is a great example of why you shouldn't fail to listen to someone (or a radio station) simply because you disagree with them on certain fundamental issues.

    Yes, is is very Christian and conservative. But his overall message is that one should:

    1. be forthright and up front with your family
    2. be forthright with your finances

    in that order. It makes a lot of sense. Finances are a family affair, and keeping them in the open (even if that means that one of the family members needs to turn loose of the wallet and be put on an allowance) makes it a partnership.

    Wendy P.


    I hope you saw that I am a Ramsey fan, listen to the show daily, but simply believe differently on religion. I am more of a buddhist. :)
    In fact, my wife is a Dave Ramsey ELP Realtor. :)


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    ahh, obsession. yes, i am passionate. and that there is why i am not "normal." normal, in america, is broke. paying off a home early saves thousands, more often hundreds of thousands in interest, that can be redirected towards building wealth, and then giving. and, most fail to recognize the peace that comes with paying that last payment. really, you see the world different. try it, you like it.



    You're fast-talking like a televangelist.

    I'm neither broke, nor normal, nor obsessed with paying off my mortgage early to "find peace."


    AAAAHMEN! (kidding)
    :D:D

    gotta admit, most of that last paragraph is "Ramsey" talk.
    he is also very christian, i am not. I am 42, and i wish i had done this alot earlier. its nice being like a teenager again, not owing anyone.


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    Telling somone to take all their excess $$$ out of the market at a time like this is almost negligent. :S

    Most in are way down right now but it's only an on paper loss, that is unless they sell and not reinvest.



    well of course. if you have put in 125k and its worth 100k if you pulled it...that would add 25k to the cost of the purchase of the house. but if you had made 25K on a 100k investment


    You're missing the point. It doesn't really matter how you got to having $125K in the market, what matters is that it's there, and that current market conditions are "X". I don't understand the obsession with paying off a mortgage early. It's not inherently a good idea. It simply may be a good idea.

    Other than that, the general priorities he lists out are pretty good advice.


    ahh, obsession. yes, i am passionate. and that there is why i am not "normal." normal, in america, is broke. paying off a home early saves thousands, more often hundreds of thousands in interest, that can be redirected towards building wealth, and then giving. and, most fail to recognize the peace that comes with paying that last payment. really, you see the world different. try it, you like it.

    edit to add: as i said earlier, if you don't like NOT having a mortgage on your home, you can always go get one. :P but, i bet you won't

    ok, and with that, i am done... i need to layout my route for tomorrow... i am looking at some more real estate. great discussions! :)


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    Where is Darwin when you need him?

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    " I'm 3k in front of my bike so even if I sold it today I'd come out of it with money in my pocket. "

    and if you wrecked it tomorrow? many people do not factor in risk into having an object that they owe on.



    I consider 401K and IRA to be risky investments after the last round of ripoffs that Wall Street managted to get away with...

    I wonder how many TRILLIONS they managed to steal legally from Americans.



    so, are you going to invest in exotic motorcycles for retirement?

    the market is back to the level it was. if you did not pull, you are ok. heard a report the other day, going through history, of how the market responded to major events, like WW2, JFK, Oil embargo...within 6 months, the market had recovered, and the majority were back in the black.

    edit to add: frankly, i am lucky to have been putting money into the market when it was down.


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    A little off topic here, but what do you guys consider to be debt?



    Those things are all debt. There is no question about it.

    Some debt is better than others. Student loan debt is generally considered to be good debt as is a mortgage, as long as they are reasonable regarding marketable skills acquired (student loans) and housing in line with income (mortgage).



    and if a college education actually pays off. its like buying a good set of tools, if they make you the money, great. but if they just sit in your garage...hmmm. i am a fan of state schools. average cost is 12k a year (housing, books, tuition)...thats 1000 a month, or 250 a week. part time work, and working full time in the summer, thats how i paid for mine, with cash.


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  24. " I'm 3k in front of my bike so even if I sold it today I'd come out of it with money in my pocket. "

    and if you wrecked it tomorrow? many people do not factor in risk into having an object that they owe on.


    ________________________________
    Where is Darwin when you need him?

  25. [reply}

    Telling somone to take all their excess $$$ out of the market at a time like this is almost negligent. :S

    Most in are way down right now but it's only an on paper loss, that is unless they sell and not reinvest.



    well of course. if you have put in 125k and its worth 100k if you pulled it...that would add 25k to the cost of the purchase of the house. but if you had made 25K on a 100k investment, and had all the other things in place....3 to 6 months expenses, saving 15% of income, no other debt. yes, i would use the 125K to buy a home. then, i would take the amount that my mortgage would have been, and continue to invest that every month, at a minimum. follow?


    ________________________________
    Where is Darwin when you need him?