Comments for Joan Perry http://joanperry.com Thu, 15 Apr 2010 01:26:39 -0700 hourly 1 http://wordpress.org/?v=abc Comment on Why Invest Your Money – and In What by Mary http://joanperry.com/invest-money/why-invest-your-money-%e2%80%93-and-in-what/comment-page-1/#comment-19 Mary Thu, 15 Apr 2010 01:26:39 +0000 http://joanperry.com/?p=482#comment-19 thanks for the great advice. I did take it a while back with the GLD and the XLE and have done quite well. I will be looking into your new information. The task now is to keep track and protect my investments. Thanks thanks for the great advice. I did take it a while back with the GLD and the XLE and have done quite well. I will be looking into your new information. The task now is to keep track and protect my investments. Thanks

]]> Comment on Loan Modification – For You? by Joan Perry http://joanperry.com/protect-money/loan-modification-%e2%80%93-for-you/comment-page-1/#comment-12 Joan Perry Mon, 22 Mar 2010 17:55:43 +0000 http://joanperry.com/?p=442#comment-12 HI...Joe...here's the thing...Loan Mod is like dating...because they turn you down once is not the end...I have been turned down many times...then I go back and ask again with some change...and they put me back into the review process...and now I am finally getting somewhere. Just ask again...you'll get someone different who looks at it this time...and there is not consistency in what one reviewer says compared to the last one. Be thick skinned and keep asking...it is as though they weed out those who give up and start to take seriously those who persist...just like dating. Good luck and thanks for joining us on the site. Joan HI…Joe…here’s the thing…Loan Mod is like dating…because they turn you down once is not the end…I have been turned down many times…then I go back and ask again with some change…and they put me back into the review process…and now I am finally getting somewhere. Just ask again…you’ll get someone different who looks at it this time…and there is not consistency in what one reviewer says compared to the last one. Be thick skinned and keep asking…it is as though they weed out those who give up and start to take seriously those who persist…just like dating. Good luck and thanks for joining us on the site. Joan

]]> Comment on Investing in ETF’s by Joan Perry http://joanperry.com/invest-money/investing-in-etfs/comment-page-1/#comment-11 Joan Perry Mon, 22 Mar 2010 17:51:28 +0000 http://joanperry.com/?p=27#comment-11 HI...thanks for your comment....I write the articles and post them quickly so the articles are current for the month and written close to the posting date. Thanks for joining us on the Site and send the articles off to your friends too. HI…thanks for your comment….I write the articles and post them quickly so the articles are current for the month and written close to the posting date. Thanks for joining us on the Site and send the articles off to your friends too.

]]> Comment on Investing in ETF’s by Kandi Kauffman http://joanperry.com/invest-money/investing-in-etfs/comment-page-1/#comment-10 Kandi Kauffman Fri, 12 Mar 2010 14:56:54 +0000 http://joanperry.com/?p=27#comment-10 I enjoyed reading your articles, and appreciate the information. I did wonder when some of the articles were written, but didn't see a date. I enjoyed reading your articles, and appreciate the information. I did wonder when some of the articles were written, but didn’t see a date.

]]> Comment on Loan Modification – For You? by Joe http://joanperry.com/protect-money/loan-modification-%e2%80%93-for-you/comment-page-1/#comment-9 Joe Fri, 12 Mar 2010 00:27:11 +0000 http://joanperry.com/?p=442#comment-9 I'm in Ca. and have had no income for nearly 2 years, have never missed or been late on any payments, have no debt besides my mortgage, and have mid 800's credit score. I tried to refinance with Chase and was declined due to not having sufficient income, so I then applied for a loan mod and was decline after 3 months. Reason stated was that I have too much in assets, which is 401K mostly. I’m in Ca. and have had no income for nearly 2 years, have never missed or been late on any payments, have no debt besides my mortgage, and have mid 800′s credit score. I tried to refinance with Chase and was declined due to not having sufficient income, so I then applied for a loan mod and was decline after 3 months. Reason stated was that I have too much in assets, which is 401K mostly.

]]> Comment on Economic Recovery? – Blaaa, Blaaaaa…Bla.. by Joan Perry http://joanperry.com/grow-money/economic-recovery-%e2%80%93-blaaa-blaaaaa%e2%80%a6bla/comment-page-1/#comment-5 Joan Perry Thu, 18 Feb 2010 18:19:44 +0000 http://joanperry.com/?p=314#comment-5 This comment is from Mark in Illinois: I would say the economy is going to continue to regress drastically. It is not recovering. Not even close! If you change our government reporting to an accrual basis from a cash basis, we would carry on our national balance sheet, even more devastating debt, due from the American people. You are in CA. That state and many more are approaching bankrupt positions. So, Federal, State, and going further to County and City and school districts, are collectively approaching positions with incredibly poor balance sheets, and positions of almost a constant begging for tax increases. The state governments, like the federal, are attempting to steal from teachers union retirement plans. The Federal Gov has stolen Social Security funds to handle their budgeting flaws. Based on future needs, SS is in dire need of change. But we as a nation, still spend more than we take in. No one is considering budgeting wisely. Rep. Paul Ryan of Wisconsin is being assailed by the democrats for offering a solution that will require sacrifice and cut backs and will hurt the us economy in the short run. Get your people to seek change. Seek those who speak of spending within our means and creating as part of that spending and budeting proposal, a fund to pay off the debt. My family saves 30+ percent of our gross, but soon the tax man cometh!!! I am wanting in the present to beat inflation and the dollar devaluation. That is why I hired you. It is a very tough job. I recognize that. Do I want to make alot of money? Presently, in this economic environment, just beat inflation and dollar devaluation and give me more than I started after taxes... Time will tell if this can be done. My suggestion - Get rid of all leadership of both parties...both Democrats and Republicans, and restore a value based set of leaders who will take hard positions. We can not give someone a benefit without taking a benefit away. Have your investment constituency read Ralph Waldo Emerson's essay "Compensation". We do not let people buy homes who cannot afford the cost. They rent until they have saved enough. They work 2 jobs. They get an education. They quit selling me on how hard their lives are. Everyone's life is hard. Mark This comment is from Mark in Illinois:
I would say the economy is going to continue to regress drastically. It is not recovering. Not even close! If you change our government reporting to an accrual basis from a cash basis, we would carry on our national balance sheet, even more devastating debt, due from the American people. You are in CA. That state and many more are approaching bankrupt positions. So, Federal, State, and going further to County and City and school districts, are collectively approaching positions with incredibly poor balance sheets, and positions of almost a constant begging for tax increases. The state governments, like the federal, are attempting to steal from teachers union retirement plans. The Federal Gov has stolen Social Security funds to handle their budgeting flaws. Based on future needs, SS is in dire need of change. But we as a nation, still spend more than we take in. No one is considering budgeting wisely. Rep. Paul Ryan of Wisconsin is being assailed by the democrats for offering a solution that will require sacrifice and cut backs and will hurt the us economy in the short run. Get your people to seek change. Seek those who speak of spending within our means and creating as part of that spending and budeting proposal, a fund to pay off the debt.

My family saves 30+ percent of our gross, but soon the tax man cometh!!! I am wanting in the present to beat inflation and the dollar devaluation. That is why I hired you. It is a very tough job. I recognize that. Do I want to make alot of money? Presently, in this economic environment, just beat inflation and dollar devaluation and give me more than I started after taxes… Time will tell if this can be done.

My suggestion – Get rid of all leadership of both parties…both Democrats and Republicans, and restore a value based set of leaders who will take hard positions. We can not give someone a benefit without taking a benefit away. Have your investment constituency read Ralph Waldo Emerson’s essay “Compensation”. We do not let people buy homes who cannot afford the cost. They rent until they have saved enough. They work 2 jobs. They get an education. They quit selling me on how hard their lives are. Everyone’s life is hard.

Mark

]]>