GMBMFB Readers: Questions, comments, topics?
Posted on October 7, 2010 in blog
I frequently get e-mails from readers asking for my advice on a variety of personal finance topics. I try to answer as many as I can, as well as through my Formspring account. But with my 20-something & Change blog over at Moneyville.ca, I’ve decided to do regular posting answering reader questions.
So with that being said, if anyone has any questions please feel free to e-mail me, post to my Formspring account, or leave a comment here.
Additionally, if there are any personal finance topics that you are interested in, or want me to write about, please let me know and I will try my best!
24 Responses to “GMBMFB Readers: Questions, comments, topics?”
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Hi krystal,
Since discovering your blog about 6 months ago, I have quickly become an avid reader. Since you asked for comments/questions today, I jumped at the chance. I'm in my mid 20's and a mid level professional with significant income to invest ( there's a lot to be said for living at home after college). Problem is, I do not live in North America or Europe and where I do live, investment opportunities are limited, mostly government treasury bills and bonds with a 6-7% interest rate max. I am interested in investing in North America ( online investing as it would be most convenient) since it can mean bigger returns on my money. However, I cannot seem to find the relevant information online about if foreigners are even allowed to open up online investment accounts and how they would be governed e.g . tax implications, etc. If you are able to shed any light on this matter, I would really appreciate it. Even if it's just to direct me to the relevant websites or agencies but any help would really count.
Thanks,
6-7% bonds is insanely good for today… it's less than 0.5% in north america right now!
I would love to be able to get 7% interest on guaranteed bonds.
well considering that my currency is about 2.7 for every US dollar, 6-7% isn't that much.
Hi krystal,
Since discovering your blog about 6 months ago, I have quickly become an avid reader. Since you asked for comments/questions today, I jumped at the chance. I'm in my mid 20's and a mid level professional with significant income to invest ( there's a lot to be said for living at home after college). Problem is, I do not live in North America or Europe and where I do live, investment opportunities are limited, mostly government treasury bills and bonds with a 6-7% interest rate max. I am interested in investing in North America ( online investing as it would be most convenient) since it can mean bigger returns on my money. However, I cannot seem to find the relevant information online about if foreigners are even allowed to open up online investment accounts and how they would be governed e.g . tax implications, etc. If you are able to shed any light on this matter, I would really appreciate it. Even if it's just to direct me to the relevant websites or agencies but any help would really count.
Thanks,
6-7% bonds is insanely good for today… it's less than 0.5% in north america right now!
I would love to be able to get 7% interest on guaranteed bonds.
well considering that my currency is about 2.7 for every US dollar, 6-7% isn't that much.
How to start wisely investing when you're a twenty-something and still have student loan debt?
My recent post Local Eats – South Side Walnut Cafe
How to start wisely investing when you're a twenty-something and still have student loan debt?
My recent post Local Eats – South Side Walnut Cafe
How much of a emergency fund should be saved before getting out of debt? Should you be saving before the debt is gone?
I would love to hear your thoughts!
How much of a emergency fund should be saved before getting out of debt? Should you be saving before the debt is gone?
I would love to hear your thoughts!
I would love to read any tirals/thoughts about you and your hunny combining finances eventually….and more on how you figure out who pays for what.
I'm also really curious about your house fund :)
My recent post Home Today
I would love to read any tirals/thoughts about you and your hunny combining finances eventually….and more on how you figure out who pays for what.
I'm also really curious about your house fund :)
My recent post Home Today
what software are you using to track all your expenses?
I am using Quicken Home & Business and am LOVING it. I also use an Excel spreadsheet only for illustration purposes on this blog.
what software are you using to track all your expenses?
I am using Quicken Home & Business and am LOVING it. I also use an Excel spreadsheet only for illustration purposes on this blog.
Help! We own two houses and over 100 acres of land.
Our credit rating was over 800 at one time but it went down because we do not have a mortgage.
We do not have a car or truck payment.
We live in US and insurance on house, etc. using credit rating in determining rate.
I don't want to take out a mortgage, what can I do?
Help! We own two houses and over 100 acres of land.
Our credit rating was over 800 at one time but it went down because we do not have a mortgage.
We do not have a car or truck payment.
We live in US and insurance on house, etc. using credit rating in determining rate.
I don't want to take out a mortgage, what can I do?
I would also like to hear more thoughts on the couple challenge when it comes to finances. For example, do you split everything? What about if one person's income is significantly different than the other? What about saving up for a home? Do you think there is merit to the "live on one income" (i.e. one partner's income is 100% saved) to save? I sometimes think my inclination is to save too much and deny myself too much, but curious to see your view.
I'm also interested in learning about an emergency fund. I was badly underemployed (i.e. earning some income but not enough to pay for rent etc) after finishing graduate school and it took me a full 12 months to get my first ever FT position. So, I'm thinking that six months ($2000 X 6 = $12,000) of emergency savings might make sense.
Yes, I am working on a post about couples and merging personal finances. :)
I hope I haven't missed this post!
What do you think of the "three account" approach? The principle is that each person has their own account that they can use as they wish but each person also make agreed upon contributions to a joint account for defined, shared expenses (e.g. rent/mortgage, utilities etc). I like this idea and hope to implement it next year or the year after.
It strikes a good balance between cooperation and autonomy.
I would also like to hear more thoughts on the couple challenge when it comes to finances. For example, do you split everything? What about if one person's income is significantly different than the other? What about saving up for a home? Do you think there is merit to the “live on one income” (i.e. one partner's income is 100% saved) to save? I sometimes think my inclination is to save too much and deny myself too much, but curious to see your view.
I'm also interested in learning about an emergency fund. I was badly underemployed (i.e. earning some income but not enough to pay for rent etc) after finishing graduate school and it took me a full 12 months to get my first ever FT position. So, I'm thinking that six months ($2000 X 6 = $12,000) of emergency savings might make sense.
Yes, I am working on a post about couples and merging personal finances. :)
I hope I haven't missed this post!
What do you think of the “three account” approach? The principle is that each person has their own account that they can use as they wish but each person also make agreed upon contributions to a joint account for defined, shared expenses (e.g. rent/mortgage, utilities etc). I like this idea and hope to implement it next year or the year after.
It strikes a good balance between cooperation and autonomy.