Comments for LearnVest Blog http://blog.learnvest.com Just another WordPress weblog Tue, 09 Mar 2010 21:40:27 -0800 http://wordpress.org/?v=2.8.6 hourly 1 Comment on Is The iPad Worth It? by Annie Webb http://blog.learnvest.com/living-frugally/tech/is-the-ipad-worth-it/comment-page-1/#comment-1029 Annie Webb Tue, 09 Mar 2010 21:40:27 +0000 http://blog.learnvest.com/?p=6061#comment-1029 I couldn't agree with Theodora more! It seems like a toy for toy's sake, or that it was something they threw together to compete with the Kindle. That it looks like a giant iPhone is pretty silly, and the name is just terrible! Seems like a huge waste of money for anyone with a smartphone or laptop. I couldn’t agree with Theodora more! It seems like a toy for toy’s sake, or that it was something they threw together to compete with the Kindle. That it looks like a giant iPhone is pretty silly, and the name is just terrible!

Seems like a huge waste of money for anyone with a smartphone or laptop.

]]> Comment on Is The iPad Worth It? by Chris Anderson http://blog.learnvest.com/living-frugally/tech/is-the-ipad-worth-it/comment-page-1/#comment-1027 Chris Anderson Tue, 09 Mar 2010 21:34:06 +0000 http://blog.learnvest.com/?p=6061#comment-1027 I think the iPad is intended to take the place of an actual computer for people to whom a computer is just a word processor, email reader, and web browser. (You know, those people who to send an image as an email attachment first put it into a Word document.) Because the iPad is so dirt simple, it removes a lot of the esoteric computer functionality and terminology (such as a folder based file directory) that to many people is still a mystery. For those users, it may become more useful than a computer because they can actually use all of the functionality, in the same way that the iPhone brought SMS and cell phone cameras to a lot of people who had never found these featured buried in their clamshell cell phones menu systems. Also, I highly doubt the price will ever go lower than $499. You'll obviously be able to be more storage for a cheaper price, but Apple not only keeps pricing pretty consistent, I think they are probably taking a hit on pricing it as low as $499 already. Apple's product pricing has, aside from a $100 here or there, stayed remarkably consistent over the years, which is fairly unusual for a technology company. I think the iPad is intended to take the place of an actual computer for people to whom a computer is just a word processor, email reader, and web browser. (You know, those people who to send an image as an email attachment first put it into a Word document.) Because the iPad is so dirt simple, it removes a lot of the esoteric computer functionality and terminology (such as a folder based file directory) that to many people is still a mystery. For those users, it may become more useful than a computer because they can actually use all of the functionality, in the same way that the iPhone brought SMS and cell phone cameras to a lot of people who had never found these featured buried in their clamshell cell phones menu systems.

Also, I highly doubt the price will ever go lower than $499. You’ll obviously be able to be more storage for a cheaper price, but Apple not only keeps pricing pretty consistent, I think they are probably taking a hit on pricing it as low as $499 already. Apple’s product pricing has, aside from a $100 here or there, stayed remarkably consistent over the years, which is fairly unusual for a technology company.

]]> Comment on What’s That Roth Rollover Opportunity? And, Should You Do It? by The LearnVest Staff http://blog.learnvest.com/learnvest-daily/whats-that-roth-rollover-opportunity-and-should-you-do-it/comment-page-1/#comment-1025 The LearnVest Staff Thu, 04 Mar 2010 17:58:46 +0000 http://blog.learnvest.com/?p=2473#comment-1025 Hi Lou, Great question! As annoying as it may be, in this instance, you'd have to do a recharacterization to the traditional IRA. This can probably be done over the phone with the custodian of the assets. You will then need to go ahead and do the Roth IRA conversion for 2010. Operationally, you'll end up in exactly the same place, but you need to create a paper trail for the government. Hi Lou,

Great question! As annoying as it may be, in this instance, you’d have to do a recharacterization to the traditional IRA. This can probably be done over the phone with the custodian of the assets. You will then need to go ahead and do the Roth IRA conversion for 2010. Operationally, you’ll end up in exactly the same place, but you need to create a paper trail for the government.

]]> Comment on What’s That Roth Rollover Opportunity? And, Should You Do It? by Lou http://blog.learnvest.com/learnvest-daily/whats-that-roth-rollover-opportunity-and-should-you-do-it/comment-page-1/#comment-1021 Lou Tue, 02 Mar 2010 20:37:32 +0000 http://blog.learnvest.com/?p=2473#comment-1021 What if you contribute to a Roth IRA at the start of the year and then make more then the amount allowed to contribute to a Roth IRA and so you recharacterization it to a traditional IRA. Can you then go and do a Roth conversion? Or is there a way to do everything in one step so that the first recharacterization is not necessary? What if you contribute to a Roth IRA at the start of the year and then make more then the amount allowed to contribute to a Roth IRA and so you recharacterization it to a traditional IRA. Can you then go and do a Roth conversion? Or is there a way to do everything in one step so that the first recharacterization is not necessary?

]]> Comment on To Do THIS WEEKEND Before The Credit Card Act of 2009 Goes Into Effect by The LearnVest Staff http://blog.learnvest.com/financial_tune-up/credit/to-do-this-weekend-before-the-credit-card-act-of-2009-goes-into-effect/comment-page-1/#comment-1019 The LearnVest Staff Thu, 25 Feb 2010 23:03:41 +0000 http://blog.learnvest.com/?p=5179#comment-1019 So many people are struggling to pay off debt and you are ahead of the game by seeking out help and advice. Here is some info on our site that will help guide you: Checklist: <a href="http://www.learnvest.com/pages/check/Im-Ready-To-Tackle-My-Debt" rel="nofollow">I Want to Tackle my Debt</a> Article: <a href="http://www.learnvest.com/pages/article/Lose-Debt-Like-Losing-Weight" rel="nofollow">Lose Debt Like Losing Weight</a> Additionally, we have a new pilot program that you would be a great fit for. If you're interested in learning more, e-mail <a href="mailto:feedback@learnvest.com" rel="nofollow">feedback@learnvest.com</a> So many people are struggling to pay off debt and you are ahead of the game by seeking out help and advice. Here is some info on our site that will help guide you:

Checklist: I Want to Tackle my Debt
Article: Lose Debt Like Losing Weight

Additionally, we have a new pilot program that you would be a great fit for. If you’re interested in learning more, e-mail feedback@learnvest.com

]]> Comment on To Do THIS WEEKEND Before The Credit Card Act of 2009 Goes Into Effect by chuck http://blog.learnvest.com/financial_tune-up/credit/to-do-this-weekend-before-the-credit-card-act-of-2009-goes-into-effect/comment-page-1/#comment-1017 chuck Thu, 25 Feb 2010 21:33:51 +0000 http://blog.learnvest.com/?p=5179#comment-1017 I have 3 credit cards with a total balance of $45,000.00, over the last year the min. payments have almost doubled. I have closed 2 of them and set them up as a loan pymnt. The payments are getting unbearable. In the past I always had a number one credit but the last year and a half have been very trying in the automotive bus. Now my credit will not allow me to consolidate. any advise? I have 3 credit cards with a total balance of $45,000.00, over the last year the min. payments have almost doubled. I have closed 2 of them and set them up as a loan pymnt. The payments are getting unbearable. In the past I always had a number one credit but the last year and a half have been very trying in the automotive bus. Now my credit will not allow me to consolidate. any advise?

]]> Comment on Don’t Pay That Medical Bill–Use a Negotiation Service! by Jroberts http://blog.learnvest.com/living-frugally/health_and_beauty/don%e2%80%99t-pay-that-medical-bill-use-a-negotiation-service/comment-page-1/#comment-1015 Jroberts Wed, 24 Feb 2010 01:42:10 +0000 http://blog.learnvest.com/?p=3807#comment-1015 Try it. It really works. Why not negotiate your medical bills where possible. Try it. It really works. Why not negotiate your medical bills where possible.

]]> Comment on To Do THIS WEEKEND Before The Credit Card Act of 2009 Goes Into Effect by The LearnVest Staff http://blog.learnvest.com/financial_tune-up/credit/to-do-this-weekend-before-the-credit-card-act-of-2009-goes-into-effect/comment-page-1/#comment-1011 The LearnVest Staff Mon, 22 Feb 2010 14:56:45 +0000 http://blog.learnvest.com/?p=5179#comment-1011 Hi Wendy, Thanks for your question, and sorry for the confusion. What we mean by this is that, if you were already considering a transfer between your existing credit cards, then it's best to do it sooner than later. The CARD Act goes into effect today, but the note about balance transfer trends still holds true. We can't predict precisely what will happen to balance transfer fees, but they've been going up over time, so we'd advise doing the transfer now rather than later. If you plan to get a new card now in order to do that transfer, then remember to look at balance transfer fees, interest rates, etc. Thanks for reading! Hi Wendy,

Thanks for your question, and sorry for the confusion. What we mean by this is that, if you were already considering a transfer between your existing credit cards, then it’s best to do it sooner than later. The CARD Act goes into effect today, but the note about balance transfer trends still holds true. We can’t predict precisely what will happen to balance transfer fees, but they’ve been going up over time, so we’d advise doing the transfer now rather than later. If you plan to get a new card now in order to do that transfer, then remember to look at balance transfer fees, interest rates, etc.

Thanks for reading!

]]> Comment on The Costs Of Online Dating: 6 Factors To Keep In Mind by The LearnVest Staff http://blog.learnvest.com/psychology_of_money/love_and_money/the-costs-of-online-dating-5-factors-to-keep-in-mind/comment-page-1/#comment-1009 The LearnVest Staff Mon, 22 Feb 2010 14:49:11 +0000 http://blog.learnvest.com/?p=4563#comment-1009 Hi Barry, Thanks for the feedback! That's good advice, so that our users can be on guard for true online romance--versus total scams. Hi Barry,

Thanks for the feedback! That’s good advice, so that our users can be on guard for true online romance–versus total scams.

]]> Comment on 10 Ways To Take A Vacation for Less Than $300 by damarsakty http://blog.learnvest.com/living-frugally/travel/10-ways-to-take-a-vacation-for-less-than-300/comment-page-1/#comment-1007 damarsakty Mon, 22 Feb 2010 08:07:51 +0000 http://blog.learnvest.com/?p=4135#comment-1007 Very interesting article, and fun to read. The information provided by you is very good,is very excellent. I got good knowledge from your summery. Very interesting article, and fun to read. The information provided by you is very good,is very excellent. I got good knowledge from your summery.

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