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If there is anyone on the board in Atlanta that has experience in purchasing a home, I'm in dire need of help. The agents that I've had so far have been unprofessional and rude to say the least. I'm looking to purchase in Rockdale, Gwinnett (near Stone Mtn), or Dekalb county and need...

Networth topples to $55 K. I need a pick-up board....It seems with all of the personal hardship, my financial sense and discipline have taken a slide. I've felt like taking out a loan from my 401K to get back on my feet---yet resist since I so badly want to eclipse the $100 K level again. I...

Is this value net of expenses? Mine for the year shows 11.2%.

2005's +'s and -'s + Realized the power of giving + >10% annualized returns + 39.4% of gross saved + Purchased a Polar F11 and got in shape! - Too much spent on food prior to above - Too much spent on workout gear and Banana Republic!! 2006 Plans + Relocating to cheaper area of the country...

Is there a user-friendly tutorial for this? ??? TD

Thanks for responding guys. Reviewing now.... TD

Thanks. I understand that completely. I just need help w/ the math. My statements are only conditional.

Good morning. I'm trying to determine how one would go about figuring out which option is better... 1.  Take NET INCOME and purchase the MOST EXPENSIVE home one can realistically afford, hoping that appreciation is favorable. 2.  Determine the MINIMUM INCREMENTAL AMOUNT of dollars you would...

Thanks. How you are you calculating the 5.625%? I think seeing the math would help.

For interest only loans.... 1) Leverage up to the point you can afford (making sure you can save @ YOUR pre-determined FI rate in a worst-case scenario)----> aka LBYM 2) Location, location, location 3) Leverage the "savings" in mortgage payments... ...

What are conditions in which loans for say Med Students are forgiven? Thanks! TD

I hear you. I will never pay interest on a card again. That was $612 dollars down the drain!!!! *off to eating tuna fish*

What strategy are you using to leverage this? That's the motive ofmy question...I do I leverage in effect...a low interest loan? Should my strategy be to skip around vs being loyal? I've had my card for a decade now and have read that card hopping can be detrimental to your credit score--that...

What would be a 10? Had no idea I was so far off!!! :o

Finally.... Man, it's a good feeling again... I have an MBNA Platinum Plus...$10 K limit, 9.99% flat APR for all transaction types....how does this rate on a scale 1 to 10 (1 = poor)? TD

http://library.hsh.com/?row_id=58 Enjoy, ;D

Fascinating read...thanks Alec! ;D

HAHA! Never thought about the source of my success. :laugh: It's sad though...very sad to me that she has this wonderful opportunity and may blow it. :'( TD

Very insightful....very insightful.... ;)

I have a friend (co-worker also), that has just received a bonus which will allow them to pay off all of their credit card debt (~$7 K). :laugh: Afterwards, she would still have ~$2,500 left to begin saving. :-* Enthused at her opportunity, I told her we should celebrate her freedom from...

Currently have a decent paying job....although getting bored.   :-[ For those that have left good companies, can you share learnings on: *Did you leave too soon or to early? *How long was the grass "greener" on the other side? *Did you experience the 10-20% increase in pay? I plan to work on...

This was an insightful read. :)

Thanks for taking the time to respond guys. Interestingly enough, one of the arguments made during the lunch is being upheld so far. Enjoy your weekend! TD

I have a buddy that is going through some serious issues. Graduated top of the class, good-looking (you know all the right stats), but has not saved a DIME during the last 7 years. He asked me yesterday how much he should have saved--w/o going into a lot of detail, I shared that at our age...

Posting as a result of a lively lunch conversation today... :laugh: