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Forum: Young Dreamers 02-14-2006, 01:43 PM
Replies: 16
Views: 2,639
Posted By usc_et
Re: Secret to Real Estate investing

It may take until 2009 to see the bottom, but the "bust" has already begun in many areas. Take a look at prices of new homes in San Diego, Florida, Boston, DC. Prices have been reduces substantially...
Forum: Young Dreamers 01-06-2006, 02:58 PM
Replies: 39
Views: 4,227
Posted By usc_et
Re: Ramping up 401k contributions to 15k

I did. Mildly surprising to see the first paycheck. Slightly smaller than two weeks ago. But can't wait to see the impact on the 401k as the year goes along.
Forum: Young Dreamers 11-15-2005, 12:43 PM
Replies: 5
Views: 2,222
Posted By usc_et
Re: May I convert my old 401Ks to an IRA?

Yes you can rollover the two 401ks that are from past employers. The rule that you are referring to says that, above certain income levels, you cannot make a tax deductible contribution to an IRA...
Forum: Other topics 11-08-2005, 01:50 PM
Replies: 1
Views: 1,404
Posted By usc_et
Hey Wildcat, you here?

How about that UCLA game last weekend, huh? Wow!
Forum: Young Dreamers 10-31-2005, 01:45 PM
Replies: 22
Views: 2,764
Posted By usc_et
Re: Are you the first to ER in your family?

Dad is 74 and still works full time, running his gardening/landscaping business. He has talked for almost the last 10 years of scaling the business back, but he enjoys it, so who are we to take that...
Forum: Young Dreamers 10-31-2005, 12:08 PM
Replies: 14
Views: 3,269
Posted By usc_et
Re: Financing a car/car buying advice

Wow, phenomenal advice. Especially from Charles, thanks for all that.

So, my search has evolved a bit over that last couple of weeks. I have ruled out the Acura TL, it's a nice car, just a...
Forum: Young Dreamers 10-28-2005, 03:39 PM
Replies: 20
Views: 3,451
Posted By usc_et
Re: using 401k loan for downpayment

And this is the problem with deductibility and why most advisors and web sites take it for granted that it is not deductible. It is extremely rare (I have never heard one instance of it) for an...
Forum: Young Dreamers 10-27-2005, 03:16 PM
Replies: 20
Views: 3,451
Posted By usc_et
Re: using 401k loan for downpayment

What a bargain! Well, in that case I have a few more legal/tax questions....

Nah, just kidding.
Forum: Young Dreamers 10-26-2005, 12:02 PM
Replies: 14
Views: 3,269
Posted By usc_et
Financing a car/car buying advice

Hi all,
Well, after months of trying to keep the trusty old car running, it is finally giving out on me. Well, more specifically it is becoming not cost efficient to keep. The residual value of my...
Forum: FIRE and Money 10-21-2005, 11:13 AM
Replies: 39
Views: 3,074
Posted By usc_et
Re: What good is the stock market?

In the words of Bernard Baruch, "It's not what you miss that counts"

In other words, the only thing that matters is what you actually made and what you actually lost. What you could have made and...
Forum: Young Dreamers 10-21-2005, 11:01 AM
Replies: 20
Views: 3,451
Posted By usc_et
Re: using 401k loan for downpayment

What you use the money for should never be a factor in determining the deductibility, just the type of loan. A mortgage, home equity loan, a business loan, maybe margin debt? I'm pretty sure if you...
Forum: Young Dreamers 10-20-2005, 11:09 AM
Replies: 20
Views: 3,451
Posted By usc_et
Re: using 401k loan for downpayment

I feel the same way. She trusts me in money matters, so instead of just telling here, "Girl, you crazy!" I'm going to let her know how high prices are and how much of a burden buying would be. I'll...
Forum: Young Dreamers 10-19-2005, 05:26 PM
Replies: 20
Views: 3,451
Posted By usc_et
using 401k loan for downpayment

this question is not for me, I swear! I wouldn't do this. A "friend" is currently renting for a little over $1k/mo and by working a weekend job has paid off various debts that she has carried. She...
Forum: Young Dreamers 10-19-2005, 01:32 PM
Replies: 103
Views: 18,003
Posted By usc_et
Re: Help me save yahoo finance...

Yea, unfortunately, you lose your best customers before you even get through #1, "Go to college."

Oops, too much work.
Forum: FIRE and Money 10-19-2005, 12:53 PM
Replies: 29
Views: 3,672
Posted By usc_et
Re: How much does it cost ya?

A gallon of regular gas. $2.89
A 2 litre bottle of Coca Cola. $.99
High speed internet service. $39.95
6 pack of Bud. (don't buy Bud)
Dry clean a pair of pants (even if it once a year), Don't...
Forum: Young Dreamers 10-19-2005, 12:48 PM
Replies: 103
Views: 18,003
Posted By usc_et
Re: Help me save yahoo finance...

Beautiful. Turn this post into 250 pages, put it on tape in 20 languages, go on a speaking tour, and you're the next Kiyosaki/Orman/Sheets.
Forum: Young Dreamers 10-19-2005, 12:02 PM
Replies: 103
Views: 18,003
Posted By usc_et
Re: Help me save yahoo finance...

Good point, and I think Kiyosaki is in a gray area. But I still believe that the difference is that people knowingly and willingly pay for his stuff. Whether you agree with it, think it's crap, or...
Forum: Young Dreamers 10-18-2005, 04:36 PM
Replies: 103
Views: 18,003
Posted By usc_et
Re: Help me save yahoo finance...

I agree that he has no place on Public TV. Still doesn't make him a scam artist. If William O'Neil, founder of Investor's Business Daily and author of several investing books, appeared on Public TV,...
Forum: Young Dreamers 10-18-2005, 03:50 PM
Replies: 103
Views: 18,003
Posted By usc_et
Re: Help me save yahoo finance...

Justin,
I hear what you are saying, and agree that he advocates venturing into areas that are far riskier than most individuals are suited for. I agree that most people shouldn't follow his advice,...
Forum: Young Dreamers 10-18-2005, 02:46 PM
Replies: 103
Views: 18,003
Posted By usc_et
Re: Help me save yahoo finance...

I was surprised to see Kiyosaki on Yahoo Finance, but not that disappointed. He is certainly not a Finance academic, or former corporate or government type, but he writes about money in a compelling...
Forum: Young Dreamers 10-17-2005, 03:47 PM
Replies: 30
Views: 3,384
Posted By usc_et
Re: House Hunting...

I haven't been back to this site since shortly after I originally posted this. First, I can't believe the number of responses. Thank you all for that. You gave me some good perspectives and things to...
Forum: Young Dreamers 10-12-2005, 04:10 PM
Replies: 30
Views: 3,384
Posted By usc_et
House Hunting...

Hi folks, I'm pretty new here, so let me give you some of my vitals:

Age 31, single, but involved, plan to be engaged soon.
Work full time, fairly stable, income involves sales bonuses, etc., but...
Forum: Hi, I am... 09-06-2005, 11:02 AM
Replies: 13
Views: 2,582
Posted By usc_et
Re: New guy to this forum

Haha! I know exactly whom you are talking about. I actually had a rather lengthy and sometimes heated exchange with her/him (?). Another poster had made a comment in response to her articles that...
Forum: Hi, I am... 09-02-2005, 04:21 PM
Replies: 13
Views: 2,582
Posted By usc_et
Re: New guy to this forum

Good stuff folks,

Maddy: I agree the simple living forum is a little out there. This one seems much more pragmatic. More my style. Although, I'll certainly still check in over there once in a...
Forum: Hi, I am... 08-31-2005, 01:16 PM
Replies: 13
Views: 2,582
Posted By usc_et
New guy to this forum

Hi everyone,
my name is Eric, and I am new to this board. I found you guys through the simple living discussion boards. Someone there recommended this site. My vitals:

I am 31, single, but in a...
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