and it won't ship until Feb 17th, or so says the website. What I want to know is which SuperDrive will I get? I ordered the 4x. Should I cancel and them re-order to get the 8x?
In reply to your sig, half of/. readers are below the mean. I have no idea how many are below average.
In reply to your post, I agree, there is very little fun on BSG. Most of that focuses on Baltar and I don't care for the character much. Still, I think that it is no more gloomy or depressing than 24. I would make a further comparison to 24, but I don't know if you've seen all the episodes yet.
Having finished watching the first season of the new Galactica yesterday, I can say that the new one is superior. I loved the old one, but much of that is due to the fact that I was five years old. The new one has, get this, continuity. It is pretty clear that the people running the show watched 24 and realized that people like it when then events of one episode have some bearing on the next. Contrast this to hitting the "reset button" at the end of 90% of all Star Trek episodes.
So now the question is, will mine have the 4x SuperDrive or the 8x? They just changed the options and the prices for them on the website. I'll be pretty chapped if I have to wait AND I get the slower drive.
I ordered one online before they were on sale at the stores. The estimated ship date is Feb 17th! Now I am wondering if I should just cancel my order and go to the store. Of course I would have to fight the results of the blizzard, but I wouldn't have to wait a month...
Find a financial planner that you pay by the hour, not by commission. Find one that you like. Read up before you go. Personal Finance for Dummies and Millionaire Next Door are good starter books.
Your savings account is unlikely to outpace inflation.
And that is my point. I agree that putting in $9k during high school is probably not realistic unless parents are helping out. However, putting something away is realistic and learning to save while young will pay off in the long term. If you don't learn to save before 30, you probably are going to have spending habits and a lifestyle that don't allow you to save when you are 30. I have friends that make more than me yet they live paycheck to paycheck and can't "afford" to save at this point. They somehow think that it will be easier in 5, 10, 15 years when they are "rich".
You can only put in money if you have income. You have to be able to show income to the IRS. So if I receive a gift of $2k and only make $1k in a year I can only put in $1k. Yes, that is a bummer.
I'd like to point out that although $963,381 seems like more than $897,380 now, it may be worth less if you adjust for inflation over approx. 45 years.
Like I said, YMMV. It was quick and dirty, not an elaborate analysis.
You can save some bucks and get the same sort of thing for cheaper elsewhere. I've had one of these for over a year and it works well. It doesn't play the AAC files though.
I am also worried that boomers taking money out of the market will mess things up for those that are younger. I don't know what to do other than diversify and rebalance at regular intervals. Oh, and don't move to Japan.
I (or my family) was not well off enough to avoid debt in college. I ran up about as much as you did. Because my savings wasn't in a protected account like a Roth the financial aid people basically took it. It would have been better off having blown in on toys. bummer. However I think that college debt isn't so bad, and the interest rate is low enough that it makes sense to invest even while incurring that debt.
I did it. Note that I didn't say $9k when you are 15, I said $9k over three years, starting at 15. I will admit that my parents gave me a beat up 1974 Ford Country Squire LTD station wagon, so I didn't have to buy a car. I did pay for gas and wasted money on CDs. I spent lots of money on my mountain bike. I came from a middle class background. I was busy with high school and sports. All the same, a high schooler doesn't have much in the way of expenses and I was able to save up a bit of money before college.
The principle being start as early as you can and keep saving rather than start early and stop quickly. You are right in that at a 7% rate the person who invested $108,000 beats the person who invested $9,000.
You have a good point. Of course someone who already has something put away for retirement early is more able to make other investments that can then be spent on the things you mention. The great thing about a Roth for a high schooler is that it teaches savings and patience, since they can't take it out to make a big purchase. I think the discipline and mindset that they'll learn are more important financially than the money itself.
Guess what? Things don't get easier. Unless your parents are making you pay rent, high school is when you are likely to have the most disposable income until you get out of college, assuming you aren't already married before you get out. As far as I can tell people always plan on having more money later. Don't make that mistake. It isn't easy to save when you are 15, 20, 25, 30, etc. Just plan on saving early and often.
If $3k is too much, then put in what you can. I was "saving for college" and put together more than that the $9k you are complaining about. Guess what happened? When I applied for financial aid they pretty much took half of my savings each year and reduced my FA by that ammount. Boy did I feel dumb. If it had been in a Roth they wouldn't have been able to touch it. Unfortunately there wasn't such a thing as a Roth at the time.
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and it won't ship until Feb 17th, or so says the website. What I want to know is which SuperDrive will I get? I ordered the 4x. Should I cancel and them re-order to get the 8x?
btw, your sig is still wrong. Either that, or you are placing yourself in the below the mean category.
In reply to your post, I agree, there is very little fun on BSG. Most of that focuses on Baltar and I don't care for the character much. Still, I think that it is no more gloomy or depressing than 24. I would make a further comparison to 24, but I don't know if you've seen all the episodes yet.
Having finished watching the first season of the new Galactica yesterday, I can say that the new one is superior. I loved the old one, but much of that is due to the fact that I was five years old. The new one has, get this, continuity. It is pretty clear that the people running the show watched 24 and realized that people like it when then events of one episode have some bearing on the next. Contrast this to hitting the "reset button" at the end of 90% of all Star Trek episodes.
I ordered BTO, and now that they are changing specs and prices on BTO I'm not sure what I'll get.
So now the question is, will mine have the 4x SuperDrive or the 8x? They just changed the options and the prices for them on the website. I'll be pretty chapped if I have to wait AND I get the slower drive.
Yes, the Amiga. I remember when everyone was sure that the Amiga (with 4096 colors) was going to clean the clock of the gray-scale Mac.
It doesn't. At least not for me. Nothing coming at all.
What day did you order yours? I ordered a week ago and it won't show up for a month. I am somewhat annoyed.
I ordered one online before they were on sale at the stores. The estimated ship date is Feb 17th! Now I am wondering if I should just cancel my order and go to the store. Of course I would have to fight the results of the blizzard, but I wouldn't have to wait a month...
Your savings account is unlikely to outpace inflation.
And that is my point. I agree that putting in $9k during high school is probably not realistic unless parents are helping out. However, putting something away is realistic and learning to save while young will pay off in the long term. If you don't learn to save before 30, you probably are going to have spending habits and a lifestyle that don't allow you to save when you are 30. I have friends that make more than me yet they live paycheck to paycheck and can't "afford" to save at this point. They somehow think that it will be easier in 5, 10, 15 years when they are "rich".
You can only put in money if you have income. You have to be able to show income to the IRS. So if I receive a gift of $2k and only make $1k in a year I can only put in $1k. Yes, that is a bummer.
Like I said, YMMV. It was quick and dirty, not an elaborate analysis.
You can save some bucks and get the same sort of thing for cheaper elsewhere. I've had one of these for over a year and it works well. It doesn't play the AAC files though.
Not even the lady next to you getting mugged? I need some of those!
More seriously, maybe in 1955 a teenager could have put away $100 a year. That would still come out to a substantial amount now.
I am also worried that boomers taking money out of the market will mess things up for those that are younger. I don't know what to do other than diversify and rebalance at regular intervals. Oh, and don't move to Japan.
I (or my family) was not well off enough to avoid debt in college. I ran up about as much as you did. Because my savings wasn't in a protected account like a Roth the financial aid people basically took it. It would have been better off having blown in on toys. bummer. However I think that college debt isn't so bad, and the interest rate is low enough that it makes sense to invest even while incurring that debt.
Is $40k a pittance to you now Mr. AC? You have misunderstood the point of the post.
I did it. Note that I didn't say $9k when you are 15, I said $9k over three years, starting at 15. I will admit that my parents gave me a beat up 1974 Ford Country Squire LTD station wagon, so I didn't have to buy a car. I did pay for gas and wasted money on CDs. I spent lots of money on my mountain bike. I came from a middle class background. I was busy with high school and sports. All the same, a high schooler doesn't have much in the way of expenses and I was able to save up a bit of money before college.
The principle being start as early as you can and keep saving rather than start early and stop quickly. You are right in that at a 7% rate the person who invested $108,000 beats the person who invested $9,000.
You have a good point. Of course someone who already has something put away for retirement early is more able to make other investments that can then be spent on the things you mention. The great thing about a Roth for a high schooler is that it teaches savings and patience, since they can't take it out to make a big purchase. I think the discipline and mindset that they'll learn are more important financially than the money itself.
What kind of interest rate are your college loans at? Mine are amazingly low. Did you pay for college with a credit card?
If $3k is too much, then put in what you can. I was "saving for college" and put together more than that the $9k you are complaining about. Guess what happened? When I applied for financial aid they pretty much took half of my savings each year and reduced my FA by that ammount. Boy did I feel dumb. If it had been in a Roth they wouldn't have been able to touch it. Unfortunately there wasn't such a thing as a Roth at the time.