October 6th, 2006 
NCN I have a little eBay update to report:
I made another 215 dollars today, for a total of 458 dollars for this week! Yay! I have one more closet to clean, one more storage bin to go through, and several more auctions to list. Pressing forward towards 10-10-2006.
October 6th, 2006 NCN This is part 2 of my 100 Comments Series. Part 1 can be found here.
Comments 11 – 20
11. Canadian Capitalist,
I applaud Ms. Langtry. It sounds as if she had a career she loved and a desire to leave a legacy. Bravo!
Keep up the Canadian Information,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
12. Consumerism Commentary,
I don’t know what I WILL buy, but I know what I WON’T be buying… Thanks for the list..
Keep up the Consumerism AND the Commentary,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
13. Crazy Money,
10 Percent, No Risk? Awesome!
Digging The Crazy,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
14. Debt Free,
I like this idea! I’ve even seen whole budgets arranged by prioritizing spending in this way.
Debt Free is the way to be,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
15. Debt Hater,
My wife would probably take my car over me…
Keep Hating That Debt,
NCN
This comment is part of my 100 Comments Series over at No Credit Needed.
16. Debt Monster,
What IS that?
Pictures worth 1000 words,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
17. Everybody Loves Your Money,
I don’t play the lottery, but I wonder if one of our fellow pf bloggers won the thing, would they blog about it? Would they share would the rest of us? Would we ever hear from them again…?
Everybody Loves Your Blog,
NCN
This comment is part of my 100 Comments Series over at No Credit Needed.
18. Fat Pitch,
Here is the letter I wish old WB would send me…
Dear NCN,
I just realized that you are my long-lost grandson. Enclosed, you will find 100 shares of each of my favorite stocks. Your blog rocks!
Your granddad,
WB
Swinging and Missing,
NCN
(This comment is part of my 100 Comments Series at No Credit Needed)
19. Financial Baby Steps,
Your uncle rules…
Keep Learning To Walk,
NCN
This comment is part of my 100 Comments Series at No Credit Needed.
20. Five Cent Nickel,
My wife went for a job about 11 years ago, and there were TWO different people using her SSN. Interestingly, here maiden name is also “Smith”.
Keep Picking Up Those Nickels,
NCN
This comment is part of my 100 Comments Series over at No Credit Needed.
October 6th, 2006 NCN Today This weekend, I am going to leave 100 comments for my personal finance friends. I will leave the comments at their sites, and I will publish the comments here. You will have to click the various links to read their original posts, so that you will understand the context of my comments. I will begin with the blogs on my blog-roll, then I will move on to various members of the NCN Network, and then I will leave comments on various personal finance blogs. (Some blogs have comment moderation activated, so the comments may not show up immediately.)
Comments 1 – 10
1. Hi 2Million,
Isn’t it ironic that credit card companies have so much power to simply CHANGE the terms of their reward programs. Bait and switch, bait and switch!
I am leaving this comment as part of my “100 Comments Series” over at No Credit Needed.
Love your blog,
NCN
2. Adult ADD and Money,
I too struggle when purchasing an automobile. In fact, 2 of the last 3 autos I purchased, I bought from family members b/c I knew them.
Your blog rocks,
NCN
3. All Financial Matters,
Great, great post. I love it when analysis and common sense go hand in hand…
Your blog is awesome,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
4. Ask Uncle Bill,
I’ve thought about opening my own small-town restaurant, but right now I don’t have the cash. So, I’m spending my time LEARNING all of the details of owning my own business. I will not jump in head first. I’m going to educate myself first.
Thanks for your blog,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
5. Bank Deals,
A quick note of thanks for keeping up with all of these rates. I’m seriously thinking of moving most of my money from ING, if they don’t get with the program soon.
Your site totally rocks,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed
6. Beyond Broke,
The only snow I saw in South Georgia last year was my own debt “snow-ball”!
Congrats on the debt reduction,
NCN
This comment is part of my “100 Comments Series”
7. Blogging Away Debt,
Good for you! It always pays to call, call, call, and call again!
Loving the site,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
8. Blueprint For Financial Prosperity,
You could always sell one of the kids to pay for the other kids’ stuff…
Seriously, if I invite ANYONE to go out and eat, I pick up the tab…
And I expect the same from my friends…
Keep it real,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
9. Blunt Money,
I LOVE this post. If people ever “get” the fact that even a small amount applied to a loan can have a major impact, they can begin to change their financial futures.
Keep it up,
NCN
This comment is part of my “100 Comments Series” over at No Credit Needed.
10. Boston Gal’s Open Wallet,
I’m so glad you had a great day! Don’t you love that “peaceful” feeling certain days or experiences can give you?
Even a southern dude loves your Boston blog,
NCN
This comment is part of my “100 Comments Series”
That’s all for now… I’ll be back with comments 11 – 20 later today.
October 5th, 2006 NCN Wow. What an awesome, awesome day. I think that today was one of the best days of my life. Here’s what I did:
Woke up about 7 AM to hang out with my son. My wife went to work and my little girl went to school, leaving me and little buddy at home for the day. I made pancakes for him (but he ended up eating fruit loops with milk) and we played blocks and Lego’s. My son is 2 1/2, so I’m still the “man” in his eyes. At about 9:30, we went outside. My son has one of those little John Deere electric jeep things, so he rode around the yard for about 20 minutes, while I raked up several piles of leaves. (I was listening to The Overnightscape on my Ipod Shuffle…) The weather was absolutely perfect. 80 degrees, a little breeze, nice sunny skies. Awesome. Little buddy then helped me pick up the leaves and carry them to the compost pile. Next, at about 11:00, we headed to the backyard to play on the swing set, eat pretzels, and drink our ice cold Mountain Dew (diet for me…). Little buddy likes the swing, but he REALLY likes to slide. After about an hour of playing in the backyard, we went inside for lunch. I cooked us a frozen pizza (I know, I know… junk food… but it’s a special day, so back off…) For dessert, we each had a small bag of M&M candies. At 1:00, we both laid down to take naps. He snuggled up close to me and fell asleep with his back to mine. I slept until about 2:00 to do some routine blog posting and Internet stuff, and then I downloaded a few more podcasts to listen to later. Little buddy woke up about 2:45, and we colored Sesame Street coloring sheets until 3:30 when Mommy and Little sister got home. Little sister gave me a big, big happy hug, and we sat for the next 30 minutes, and talked about school, gymnastics, and her friends. Mommy, Little buddy and Little sister packed up and headed out at about 5:00 for gymnastics’ practice, and left me home, to clean up the house and prepare supper. I decided to fix my favorites! I cooked fried chicken, fresh butter beans, mashed potatoes, and homemade cornbread. (I’m from the South…) I was able to check out a few TIVO’ed episodes of “Good Eats”, “The Colbert Report”, and “Mad Money”. Mommy and the kids got home around 8:00, had their baths, and they are all now in bed. I have the Florida St. vs NC State football game on “pause” and I’m updating my blog. I’ve got a full belly, a comfortable, clean home, a wonderful wife, and 2 precious kids… No matter how much money you manage to make, save, or acquire… You’d never be able to purchase a day like the day I had today.
Counting my blessings…
NCN
October 5th, 2006 NCN Even though I am a little behind in my savings goal, I feel really confident that I will manage to save at least 20K in my emergency fund by the end of the year. So, I got to thinking… What would happen if I saved 20K EVERY YEAR, at various rates, for 10 years. Here’s what I figured out…
(I used the calculator located here at DinkyTown to calculate my answers.)
20K Per Year @ 4% For 10 Years= 250,766 dollars
20K Per Year @ 5% For 10 Years= 265,866 dollars
20K Per Year @ 6% For 10 Years= 282,090 dollars
20K Per Year @ 7% For 10 Years= 299,529 dollars
WOW! As you can see the rate of return can have a BIG influence on the balance, especially as time goes by! (I used a VERY simplified calculation for these amounts, entering a 20,000 dollar annual contribution, with interest compounding monthly. Amounts will vary depending on the time of contribution and how often interest is compounded. ING compounds interest DAILY and credits interest MONTHLY.)
If you are looking for an AWESOME resource which lists current rates from various banks, check out Bank Deals.
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