T.S.
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  • San Diego, CA
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T.S.'s Discussions

You Need A Budget (YNAB) free for college students.

Started Mar 26 0 Replies

I’ve never used it, but I have heard good things, thought I would share...…Continue

Financial Planning Book Recommendations

Started this discussion. Last reply by David F. Mar 27. 28 Replies

I am looking for an education on products and services with practical advice for long-term financial stability.What are your recommendations for a comprehensive financial planning book?Continue

 

T.S.'s Page

Latest Activity

T.S. replied to Douglas Aldrich's discussion A question for the military folk...
"Overall, my impression of commanding officers have been positive. Everyone has a boss and shitty days, they are no exception. We want to look for the Patton types as examples of leadership, but the real leaders are running the day to day…"
Apr 8
David F. replied to T.S.'s discussion Financial Planning Book Recommendations
"I agree that it is a behavioral problem as well as math problem. The thing is that Ramsey's formula works for people who can't handle complex calculations.  IE they can't handle the math.  So you stick to the foundation…"
Mar 27
David F. replied to T.S.'s discussion Financial Planning Book Recommendations
"I agree with getting good investment returns, but you have to invest.  Having a standing savings account with 5 figures in it seems like a lost incomes stream if you have a credit line of the same 5 figures that can take the initial shock then…"
Mar 27
T.S. replied to T.S.'s discussion Financial Planning Book Recommendations
"Yeah exactly, what to do next is tough.  I am looking at those types of expenditures in the future too and trying to figure out how to prepare for them efficiently."
Mar 26
T.S. replied to T.S.'s discussion Financial Planning Book Recommendations
"I am out of debt thanks to Ramsey, but not sure where to go next.  I am looking for a book on the basics of the financial system and practical advice for long term growth. Maybe its a long shot because the financial advice world is crowded.…"
Mar 26
T.S. posted a discussion
Mar 26
Rebekah replied to T.S.'s discussion Financial Planning Book Recommendations
"It gets more complicated when you take into account student- and other low-interest loans.  The interest on my student loans is lower than our investment returns (and is tax-deductible), so contra Ramsey, we invest while making minimum…"
Mar 21
Rebekah replied to T.S.'s discussion Financial Planning Book Recommendations
"The thing is, of bad things that can happen, some are 3-4 figures (car repair), some are low-5-figures (medical crisis with insurance), and some are 6-figures (federal indictment, long-term unemployment).  6 months for us is mid-5-figures,…"
Mar 21
Jack Bauer replied to T.S.'s discussion Financial Planning Book Recommendations
"You do pay more in interest following Ramsey ... but, it shouldn't be much.  The idea is to pay everything off as quickly as possible.  A few additional interest points over a year isn't all that big a big…"
Mar 21
PT replied to T.S.'s discussion Financial Planning Book Recommendations
"I started with Ramit Sethi's "I Will Teach You to Be Rich" and followed it up with Ramsey's book. I learned a lot from both. I'd pick up both. However, I'm kind of in your same boat. I'm almost done paying off all…"
Mar 21
David F. replied to T.S.'s discussion Financial Planning Book Recommendations
"I may have to check out that book.  I was given Ormon's book, but I really did not enjoy the book at all.  After years of textbooks her book just was hard to read. As to emergency fund, watching what has happened with the economy has…"
Mar 18
Rebekah replied to T.S.'s discussion Financial Planning Book Recommendations
"One of the reasons I like Olen's book, is it points out things like Ormon's waffling on emergency funds* and how much more you'll pay in interest if you follow Ramsey's advice. *Raising a broader issue, this is a bad term for…"
Mar 17
Rebekah replied to T.S.'s discussion Financial Planning Book Recommendations
"We didn't max out deductible IRA contributions, though we had the cash on hand, and even though the new job means we won't qualify for the rebate in 2014 and may be hit with AMT, so it was a now-or-never thing. I think…"
Mar 17
David F. replied to T.S.'s discussion Financial Planning Book Recommendations
"I agree with you that one should take loans only for things that have a long term payoff or are key for advancement of your long term goals.  It is after all a loan from your future self.  So if you are going to tie yourself to a bill make…"
Mar 17
Native Son replied to T.S.'s discussion Financial Planning Book Recommendations
"I can not recommend a single book as the be-all and end-all of personal financial planning.   I would recommend you spend some time in the brick and mortar library and maybe spend the coin to take some basic accounting and finance classes at…"
Mar 16
Jack Bauer replied to T.S.'s discussion Financial Planning Book Recommendations
"I'm not clear on exactly what you did.  Are you talking about not claiming a justified deduction ... or not engaging in a behavior that would've been deductible? If its the former, I don't understand how you gain liquidity by…"
Mar 15

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Jack Bauer replied to Vytautas's discussion Favorite/Most Interesting Battle in the group Armchair Generals
"The Alamo and San Jacinto would be at the top.  As far as Texas history goes -- always a favorite of mine -- it doesn't get much better.   JB"
10 minutes ago
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Fathers and Sons

There are groups on this site for fatherhood, but this one is specific for that special relationship that exists between fathers and sons.  Feel free to discuss matters relating to your relationship with your boy, your pop, or a guy who filled either role for you.Enjoy and God bless!See More
10 minutes ago
Karl Helweg replied to Dave Lewis's discussion Aspirants in the group Armchair Generals
"I was commissioned in the "green to gold" program and gained a lot of insight from enlisting.  I have known officers who did fine without enlisted experience and some that detached charlie foxtrots because of their complete ignorance…"
24 minutes ago
Rick Shelton commented on Pale Horse's photo
30 minutes ago
Daniel Rodriguez replied to Vytautas's discussion Favorite/Most Interesting Battle in the group Armchair Generals
"Battle of White Mountain, in the thirty years war, Battle of Kursk, World War 2, and the Battle of the Falkands, Falkands war. White mountain due to being a good mismash of Modern technology, new and old tactics, and being the battle that in essence…"
30 minutes ago
Rick Shelton commented on Steven C.'s group Exercise
"Shane, I knew a guy on the USS Nassau who had a bar of brass about 4" in diameter and a foot long he did the same thing.  Whenever he was in berthing relaxing or in his shop on break he would work with the bar.  Dude was…"
36 minutes ago
Bobby G Mullen replied to Bobby G Mullen's discussion Stoicism in the group Philosophers
"Thanks, Liam. I am looking forward to it. No hurry; work comes first."
50 minutes ago
Liam S. replied to Bobby G Mullen's discussion Stoicism in the group Philosophers
"Apologies. I just saw this response.  I'll dig up my texts and try to provide a helpful answer in a day or so, once work commitments give me a little more time to devote to re-reading philosophy. "
55 minutes ago

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