Comments for Realm of Prosperity

Comment on How to Not Piss Off Everyone Else Waiting for the ATM by Make Sure you Vote in the Primary’s on Tuesday

Make Sure you Vote in the Primary’s on Tuesday — Tue, 02 Aug 2011 23:54:33 +0000

[...] How To Not Piss Off Everyone Else Waiting for the ATM @ Realm of Prosperity: I’ve been on both ends of this spectrum and both sides are not pleasant. Make sure to keep your emotions hidden if you’re waiting for a slow poke … because that can only make the situation worse. [...]

Comment on How a Friend Lost $1,300 to a Magazine Scam by nai-yo

nai-yo — Sat, 30 Jul 2011 05:11:46 +0000

by the way just because the callers give out a publishing magazine name does not mean that one company is not affiliated to the other …in some cases they are runned by the same people just didfferent names ( alias’s) just keep that in mind …

Comment on How a Friend Lost $1,300 to a Magazine Scam by nai-yo

nai-yo — Sat, 30 Jul 2011 05:02:04 +0000

Ok i am also a victem of this scam…i would also like to share my horrible experiance with every body …however i am curious as to what magazine company your friend was refering to …i am actually trying to file a legal claim and this company i am refering to has verry bad company history and i am also warning wany friends ,co workers,anyone willing to listen …IVE read so many complaints far to close in common to be coincidence of randome people who dont even know eachother complaints about a 1000.00 shopping spree that apearently no one reseaved after a promise made but never kept then attempting to sue the consumer…i call that breach of contract by not honering their part of the deal while i paid in full for 9 months and sometimes being billed 2 times in the same month… i believe that i was more than patient waiting that long for something i should have recieved with my first magazine but eventually a figured out that i will never get the voucher i was promised by like 6 different sales reps …in the policy i mucho later realized it stated that to cancel this agreement with no obligation i would have had 5 days to call and or write a notice of cancelation….however i was told that my magazines would not start comming for like a nother 2 weeks to a month and i would have also recieve the voucher at the same time …so at the time i did not know about the terms and conditions but finding out too late im left thinking how am i goin to figure i want to cancel a service in 5 days when i wouldnt have experianced the services to say im not satisfied i want out …so thats only half of my issue with there theives i would get more spacific but i still would like to play it safe right now …however if you or anyone is familiar with my post and believe you’ ve been taken by the same telemarketer as me then id be interested in making sure would be victems will know to avoid companies and thieves who work for them and expose the false advertisment and fraudes that they are….

Comment on Top 6 Questions LendingClub Investors Ask Borrowers and Why by Aleksey Kulichenko

Aleksey Kulichenko — Thu, 26 May 2011 20:19:42 +0000

LendingClub has recently limited the questions that lenders can ask borrowers. Now, LendingClub has pre-written a handful of questions that are similar to the ones outlined in this post. When browsing through available notes the lender can choose from a list of preselected questions and cannot add to the question or ask it again. The idea is to save time so the lenders don’t have to write their same question to every borrower. The problem that has surfaced is borrowers will fail answer questions completely. Incomplete answers leave the lenders skeptical and the borrower with incomplete loans. LendingClub needs to find a “happy median” regarding the Q&A section.

Comment on Give Me the Cash, I’ll Swipe My Credit Card by Andrew Lin

Andrew Lin — Sat, 30 Apr 2011 13:04:37 +0000

I used to think this is a good idea. The problem is that there is a tendency for people to round down when paying you; average came to $22.78? Expect to only get $20 from some of your friends. It adds up, and a $10 night out can easily double to $20 or more if you’re not careful with how you play this game.

Comment on Carnival of Personal Finance #285 – Google Search Money Stories Edition by Jason

Jason — Fri, 08 Apr 2011 03:15:02 +0000

Great post! I saw that commercial too.

Comment on Why I Chose a Roth IRA Over a Traditional IRA by bob

bob — Thu, 17 Feb 2011 09:10:28 +0000

I disagree with your first two points. Paying taxes now and paying taxes later are the exact same thing, assuming that the tax rate you pay is the same. Sure, the taxes might take a percentage of your $10 million later, but if taxes took the same percentage out of your starting investment, then you would have less money to start with, and you would end up getting the same amount. This is amazingly simple math concept. Assume taxes of 35%:

Taxes before:
(0.65) x (1.1 x 1.2 x 1.1 x 1.3 x 0.9 x …) <- annual growths

Taxes after:
(1.1 x 1.2 x 1.1 x 1.3 x 0.9 x …) x (0.65)

If you know anything about math, you would know that these are the same.

Comment on A Philosophy on Buying a Home Without Debt by Anonymous

Anonymous — Thu, 17 Feb 2011 06:18:37 +0000

When you take inflation of the dollar into account the interest on a mortage probably drops by 1-2%. Also the prices of houses could inflate even more than the dollar. For instance, my parents bought a home in 1997 for $150k over 10 years later it is worth $350k +. Additionally there are tax incentives that may make buying a house with credit more financially reasonable.

Comment on Stretching Student Discounts Even After Graduating by Kat

Kat — Fri, 04 Feb 2011 02:01:17 +0000

I think that’s wrong. I don’t know how old you are, but if you’re working a good job and you can afford to not use the student discount, you should put away your card. If you’re unemployed/barely keeping afloat, that’s another story, but shirking full price just for the sake of saving money is immoral. The museums need the money to be able ot host the artwork/displays you’re going to see in the first place. (However, feel free to screw over Apple, and I’m a little less worried if you’re getting movie discounts, as movie prices are ridiculous- just kidding. Honestly, not trying to be uptight, just want to point out that those sorts of fees are necessary for things to run.)

Comment on Everyone Wants to Know How to Invest With Less Than $1000 by The Carnival of Personal Finance CCXLIV – The Fiscally Irresponsible TV Characters Edition « Len Penzo dot Com

Tue, 11 Jan 2011 22:01:35 +0000

[...] Zhen from Realm of Prosperity presents Everyone Wants to Know How to Invest With Less Than $1000, and says, “It gets to be a little annoying when people keep coming to you for investment [...]