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	<title>Comments on: Reader Mailbag: Competition</title>
	<atom:link href="http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/feed/" rel="self" type="application/rss+xml" />
	<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/</link>
	<description>Financial talk for the rest of us</description>
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		<title>By: Inquisitive Raven</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-918142</link>
		<dc:creator>Inquisitive Raven</dc:creator>
		<pubDate>Thu, 15 Jul 2010 20:13:20 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-918142</guid>
		<description><![CDATA[I know I&#039;m late to the show, but I&#039;d thought I&#039;d point out some differences between Consumer Reports and a site like epinions.com. Consumer Reports tests many products in a category and does so  against an objective whenever possible, reporting the results whether good, bad or indifferent. 

Your typical consumer can&#039;t do anything nearly as exhaustive as CU does and is going to rely much more on subjective impressions. Since there is no product so great that you can&#039;t find somebody who hates it and no QA process so perfect that no defective items will get through, there are people who are going to dislike any given product. 

People are much more likely to go out of their way to complain about a product they don&#039;t  like in a public forum than they are to praise one they love. The net result is that consumer review type sites likely to have a biased sample even assuming that everyone is posting in good faith.]]></description>
		<content:encoded><![CDATA[<p>I know I&#8217;m late to the show, but I&#8217;d thought I&#8217;d point out some differences between Consumer Reports and a site like epinions.com. Consumer Reports tests many products in a category and does so  against an objective whenever possible, reporting the results whether good, bad or indifferent. </p>
<p>Your typical consumer can&#8217;t do anything nearly as exhaustive as CU does and is going to rely much more on subjective impressions. Since there is no product so great that you can&#8217;t find somebody who hates it and no QA process so perfect that no defective items will get through, there are people who are going to dislike any given product. </p>
<p>People are much more likely to go out of their way to complain about a product they don&#8217;t  like in a public forum than they are to praise one they love. The net result is that consumer review type sites likely to have a biased sample even assuming that everyone is posting in good faith.</p>
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		<title>By: Trent</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-889371</link>
		<dc:creator>Trent</dc:creator>
		<pubDate>Thu, 25 Mar 2010 11:51:59 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-889371</guid>
		<description><![CDATA[If I didn&#039;t think Johanna&#039;s comments were a net positive for The Simple Dollar and its readers, I would have deleted them and banned her a long time ago.  Most of personal finance is NOT black and white and she articulates other viewpoints well.]]></description>
		<content:encoded><![CDATA[<p>If I didn&#8217;t think Johanna&#8217;s comments were a net positive for The Simple Dollar and its readers, I would have deleted them and banned her a long time ago.  Most of personal finance is NOT black and white and she articulates other viewpoints well.</p>
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		<title>By: bethh</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-888894</link>
		<dc:creator>bethh</dc:creator>
		<pubDate>Wed, 24 Mar 2010 20:53:32 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-888894</guid>
		<description><![CDATA[@Alex: have you considered getting a job where you are and saving more money, then moving after you have a few work-years under your belt? That might be a good middle course to steer. 

However, I want to encourage you to follow your dream - there will never be an easier, less-encumbered time to do so. I did something similar when I was 25, moving cross-country with *maybe* 3 months&#039; living expenses to a city I loved - where I knew no one, had no job, and no place to live, aside from a weekly-rent flop hotel. I was able to get a $9/hour job after a week or two, and never looked back. 

I did have an escape plan though: I moved in September, and bought a plane ticket to go home for Christmas. I figured if it wasn&#039;t working out after 3 months, I&#039;d go home for Christmas and stay there. However by the time I&#039;d been there three months I was loving it completely!]]></description>
		<content:encoded><![CDATA[<p>@Alex: have you considered getting a job where you are and saving more money, then moving after you have a few work-years under your belt? That might be a good middle course to steer. </p>
<p>However, I want to encourage you to follow your dream &#8211; there will never be an easier, less-encumbered time to do so. I did something similar when I was 25, moving cross-country with *maybe* 3 months&#8217; living expenses to a city I loved &#8211; where I knew no one, had no job, and no place to live, aside from a weekly-rent flop hotel. I was able to get a $9/hour job after a week or two, and never looked back. </p>
<p>I did have an escape plan though: I moved in September, and bought a plane ticket to go home for Christmas. I figured if it wasn&#8217;t working out after 3 months, I&#8217;d go home for Christmas and stay there. However by the time I&#8217;d been there three months I was loving it completely!</p>
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		<title>By: Todd</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-888297</link>
		<dc:creator>Todd</dc:creator>
		<pubDate>Wed, 24 Mar 2010 03:09:04 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-888297</guid>
		<description><![CDATA[@Jeff:  I just wanted to say hang in there.  I was in a similar mess about 20 years ago, and it has taken me nearly all of that time to pull myself out of the hole.  It takes a lot of time and dedication, but it is very worth it.  I have a great house, solid financial situation and great family now that I never thought I&#039;d be able to have.  I&#039;m wishing you the best.]]></description>
		<content:encoded><![CDATA[<p>@Jeff:  I just wanted to say hang in there.  I was in a similar mess about 20 years ago, and it has taken me nearly all of that time to pull myself out of the hole.  It takes a lot of time and dedication, but it is very worth it.  I have a great house, solid financial situation and great family now that I never thought I&#8217;d be able to have.  I&#8217;m wishing you the best.</p>
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		<title>By: Brittany</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-888241</link>
		<dc:creator>Brittany</dc:creator>
		<pubDate>Wed, 24 Mar 2010 01:53:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-888241</guid>
		<description><![CDATA[How is saving adequately to transition to a new city if that&#039;s  what you really, really want to do much different for saving for another large purchase? If living in that city is what you value more than anything and you have the financial means to make it happen, why shouldn&#039;t you go for it? Playing it too &quot;safe&quot; will make you just as miserable as ruining yourself financially. Also, it is much, much easier to job search once you&#039;re actually in a city. Make sure you have a few months of living expenses, make the move, and be willing to take a menial job with you search for a good one, if need be.]]></description>
		<content:encoded><![CDATA[<p>How is saving adequately to transition to a new city if that&#8217;s  what you really, really want to do much different for saving for another large purchase? If living in that city is what you value more than anything and you have the financial means to make it happen, why shouldn&#8217;t you go for it? Playing it too &#8220;safe&#8221; will make you just as miserable as ruining yourself financially. Also, it is much, much easier to job search once you&#8217;re actually in a city. Make sure you have a few months of living expenses, make the move, and be willing to take a menial job with you search for a good one, if need be.</p>
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		<title>By: SLCCOM</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887908</link>
		<dc:creator>SLCCOM</dc:creator>
		<pubDate>Tue, 23 Mar 2010 18:52:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887908</guid>
		<description><![CDATA[About moving to a city where you know just one person: I did this when I moved to NYC after I got married, without a job. One of the worst nights I ever spent was the first night there. (My brand-new husband had the flu...) If you don&#039;t have a job, you&#039;ll be initially at great risk of depending too much on your one friend, and that can end up destroying that friendship (if that is what it is.) If this is just an acquaintance, that is even riskier. 

On the other hand, if you really love everything about the city, and be sure to get involved in things immediately and not be dependent on that one person, AND you have a job lined up that you are confident won&#039;t be suddenly taken away, I&#039;d go for it. Just really check out the company you get the job with BEFORE you move!]]></description>
		<content:encoded><![CDATA[<p>About moving to a city where you know just one person: I did this when I moved to NYC after I got married, without a job. One of the worst nights I ever spent was the first night there. (My brand-new husband had the flu&#8230;) If you don&#8217;t have a job, you&#8217;ll be initially at great risk of depending too much on your one friend, and that can end up destroying that friendship (if that is what it is.) If this is just an acquaintance, that is even riskier. </p>
<p>On the other hand, if you really love everything about the city, and be sure to get involved in things immediately and not be dependent on that one person, AND you have a job lined up that you are confident won&#8217;t be suddenly taken away, I&#8217;d go for it. Just really check out the company you get the job with BEFORE you move!</p>
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		<title>By: Nicole</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887835</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Tue, 23 Mar 2010 17:09:41 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887835</guid>
		<description><![CDATA[@anna

I disagree on the grammatical errors-- when a person is error free in grammar, spelling, etc., people tend to take them more seriously in terms of content as well.  Reminding Trent to be professional and careful or giving him the opportunity to correct a typographical error improves posts.  

Or I could just be a grammar Nazi.  But we are legion.]]></description>
		<content:encoded><![CDATA[<p>@anna</p>
<p>I disagree on the grammatical errors&#8211; when a person is error free in grammar, spelling, etc., people tend to take them more seriously in terms of content as well.  Reminding Trent to be professional and careful or giving him the opportunity to correct a typographical error improves posts.  </p>
<p>Or I could just be a grammar Nazi.  But we are legion.</p>
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		<title>By: Johanna</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887666</link>
		<dc:creator>Johanna</dc:creator>
		<pubDate>Tue, 23 Mar 2010 13:06:40 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887666</guid>
		<description><![CDATA[@anna: I don&#039;t think anyone&#039;s talking about buying the BMW as a good investment to save on maintenance costs down the road.  Rather, we&#039;re saying that he should buy it because he really, really wants it and has already saved up the money for it.

It&#039;s OK to spend money for reasons other than saving or making more money.  Really, it is.]]></description>
		<content:encoded><![CDATA[<p>@anna: I don&#8217;t think anyone&#8217;s talking about buying the BMW as a good investment to save on maintenance costs down the road.  Rather, we&#8217;re saying that he should buy it because he really, really wants it and has already saved up the money for it.</p>
<p>It&#8217;s OK to spend money for reasons other than saving or making more money.  Really, it is.</p>
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		<title>By: Kenny</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887624</link>
		<dc:creator>Kenny</dc:creator>
		<pubDate>Tue, 23 Mar 2010 11:32:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887624</guid>
		<description><![CDATA[Be sure to get a good score on your &quot;aggressive butt test&quot; otherwist they won&#039;t sell you that BMW.  I have never met a person who drives a BMW (particularly a BMW 3-series) and is not a donkey doo doo.]]></description>
		<content:encoded><![CDATA[<p>Be sure to get a good score on your &#8220;aggressive butt test&#8221; otherwist they won&#8217;t sell you that BMW.  I have never met a person who drives a BMW (particularly a BMW 3-series) and is not a donkey doo doo.</p>
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		<title>By: Bonnie</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887605</link>
		<dc:creator>Bonnie</dc:creator>
		<pubDate>Tue, 23 Mar 2010 10:52:24 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887605</guid>
		<description><![CDATA[@Sean-I think Trent missed the point of your question. It sounds like you were asking what the tax implications are of contributing to a non-deductible traditional IRA each year (b/c your income is over the limit for contributions to a Roth) and immediately converting to a Roth IRA. If you have no other deductible traditional IRAs, there are no tax implications. It would be just as though you&#039;d been contributing to the Roth each year. It&#039;s a nice loophole that&#039;s opened now that the income limit on conversions has gone away. It&#039;ll be interesting to see how long congress allows the loophole to remain open.

@Christopher-I say go for it. If you spend so much time obsessing over the BMW that it&#039;s taking over your life and you have $30k in savings on top of your EF, you can definitely afford it. Just go out and test drive a few &amp; try to find a solid 3yr old CPO&#039;d car. Don&#039;t let the salespeople pressure you into buying a car that&#039;s not right for you, either. I personally don&#039;t get the allure of a &quot;driver&#039;s&quot; car, but DH has a high-stress sales job and his BMW makes all his driving around alot more pleasant. He loves his car (purchased in &#039;08) and never talks about buying a new car anymore.]]></description>
		<content:encoded><![CDATA[<p>@Sean-I think Trent missed the point of your question. It sounds like you were asking what the tax implications are of contributing to a non-deductible traditional IRA each year (b/c your income is over the limit for contributions to a Roth) and immediately converting to a Roth IRA. If you have no other deductible traditional IRAs, there are no tax implications. It would be just as though you&#8217;d been contributing to the Roth each year. It&#8217;s a nice loophole that&#8217;s opened now that the income limit on conversions has gone away. It&#8217;ll be interesting to see how long congress allows the loophole to remain open.</p>
<p>@Christopher-I say go for it. If you spend so much time obsessing over the BMW that it&#8217;s taking over your life and you have $30k in savings on top of your EF, you can definitely afford it. Just go out and test drive a few &amp; try to find a solid 3yr old CPO&#8217;d car. Don&#8217;t let the salespeople pressure you into buying a car that&#8217;s not right for you, either. I personally don&#8217;t get the allure of a &#8220;driver&#8217;s&#8221; car, but DH has a high-stress sales job and his BMW makes all his driving around alot more pleasant. He loves his car (purchased in &#8217;08) and never talks about buying a new car anymore.</p>
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		<title>By: anna</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887396</link>
		<dc:creator>anna</dc:creator>
		<pubDate>Tue, 23 Mar 2010 03:56:14 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887396</guid>
		<description><![CDATA[I consider Johanna &amp; others who disagree with Trent&#039;s comments to be playing devils advocate or simply stating their opinion. Different people have different views on frugal lifestyles. Trent might not find a $30,000 BMW a good investment but others might see the BMW as a great investment because they are known to be well built and reliable, spending less on maintenance over the lifetime of the vehicle. I personally would much rather see &quot;negative&quot; or disagreeing commenters than those that nit-pick at the grammer or spelling typos. Disagreeing creates a debate, pointing out grammer errors just puts Trent down and seems pointless.]]></description>
		<content:encoded><![CDATA[<p>I consider Johanna &amp; others who disagree with Trent&#8217;s comments to be playing devils advocate or simply stating their opinion. Different people have different views on frugal lifestyles. Trent might not find a $30,000 BMW a good investment but others might see the BMW as a great investment because they are known to be well built and reliable, spending less on maintenance over the lifetime of the vehicle. I personally would much rather see &#8220;negative&#8221; or disagreeing commenters than those that nit-pick at the grammer or spelling typos. Disagreeing creates a debate, pointing out grammer errors just puts Trent down and seems pointless.</p>
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		<title>By: triLcat</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887178</link>
		<dc:creator>triLcat</dc:creator>
		<pubDate>Mon, 22 Mar 2010 21:45:05 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887178</guid>
		<description><![CDATA[@Liz - I would be very wary about &quot;cures.&quot; I have fibromyalgia and was told that a series of  treatments would make me much better. 

They actually made me much WORSE. Fortunately, that was only temporary, but I was so sick I thought I was going to die for about 2 months. 

I would only spend a lot of money on medical intervention if your Primary Care Physician or a specialist with an MD thinks it has real potential to help you substantially.

Other fibro sufferers have gone to the Mayo clinic and not gotten much by way of answers either. 

I don&#039;t know about your particular condition, but a lot of people, even doctors, who promise cures, don&#039;t have nearly as much to offer as they would have you believe.]]></description>
		<content:encoded><![CDATA[<p>@Liz &#8211; I would be very wary about &#8220;cures.&#8221; I have fibromyalgia and was told that a series of  treatments would make me much better. </p>
<p>They actually made me much WORSE. Fortunately, that was only temporary, but I was so sick I thought I was going to die for about 2 months. </p>
<p>I would only spend a lot of money on medical intervention if your Primary Care Physician or a specialist with an MD thinks it has real potential to help you substantially.</p>
<p>Other fibro sufferers have gone to the Mayo clinic and not gotten much by way of answers either. </p>
<p>I don&#8217;t know about your particular condition, but a lot of people, even doctors, who promise cures, don&#8217;t have nearly as much to offer as they would have you believe.</p>
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		<title>By: Stephanie</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887170</link>
		<dc:creator>Stephanie</dc:creator>
		<pubDate>Mon, 22 Mar 2010 21:30:57 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887170</guid>
		<description><![CDATA[First I want to thank Trent for posting my question, and those of you who have commented on it. Second some clarification! The bill that I am referring to is delinquent and needs to be paid in order for me to get the position, that is why I asked which source of funds to pay it off would be better. My emergency fund is in a Roth because it was the best way to get it started with the banking options available to me. All the CD&#039;s I looked at required an opening balance of $500+, and when I started I didn&#039;t have that. I went with the &quot;it&#039;s better to start somewhere, than nowhere&quot; philosophy.

@Aaron-
I double checked the amount and it is a bit higher than I listed, however it is entry level and a glorified call center position, but I definitely thank you for the heads up.]]></description>
		<content:encoded><![CDATA[<p>First I want to thank Trent for posting my question, and those of you who have commented on it. Second some clarification! The bill that I am referring to is delinquent and needs to be paid in order for me to get the position, that is why I asked which source of funds to pay it off would be better. My emergency fund is in a Roth because it was the best way to get it started with the banking options available to me. All the CD&#8217;s I looked at required an opening balance of $500+, and when I started I didn&#8217;t have that. I went with the &#8220;it&#8217;s better to start somewhere, than nowhere&#8221; philosophy.</p>
<p>@Aaron-<br />
I double checked the amount and it is a bit higher than I listed, however it is entry level and a glorified call center position, but I definitely thank you for the heads up.</p>
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		<title>By: Eve</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887160</link>
		<dc:creator>Eve</dc:creator>
		<pubDate>Mon, 22 Mar 2010 21:16:16 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887160</guid>
		<description><![CDATA[From just below the comments box:

&quot;Constructive comments of all kinds are welcome. Negativity is not.

If you&#039;re going to criticize the statements of others, supply supporting information that backs up your statement or your comment will be deleted.

Comments that don&#039;t contribute to the growth and thoughtfulness of other readers will be deleted.&quot;]]></description>
		<content:encoded><![CDATA[<p>From just below the comments box:</p>
<p>&#8220;Constructive comments of all kinds are welcome. Negativity is not.</p>
<p>If you&#8217;re going to criticize the statements of others, supply supporting information that backs up your statement or your comment will be deleted.</p>
<p>Comments that don&#8217;t contribute to the growth and thoughtfulness of other readers will be deleted.&#8221;</p>
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		<title>By: Aaron</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887148</link>
		<dc:creator>Aaron</dc:creator>
		<pubDate>Mon, 22 Mar 2010 20:50:26 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887148</guid>
		<description><![CDATA[&quot;$25-$27,000 per year... requires a security clearance and good credit.&quot;
    -Stephanie

This smells like subcontractor fraud, because there&#039;s no way a security clearance position only pays that much.]]></description>
		<content:encoded><![CDATA[<p>&#8220;$25-$27,000 per year&#8230; requires a security clearance and good credit.&#8221;<br />
    -Stephanie</p>
<p>This smells like subcontractor fraud, because there&#8217;s no way a security clearance position only pays that much.</p>
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		<title>By: Des</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887142</link>
		<dc:creator>Des</dc:creator>
		<pubDate>Mon, 22 Mar 2010 20:31:03 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887142</guid>
		<description><![CDATA[@DOTTIE

Since you are a regular reader you should know that we in the comments have been through this many times before. Seems like every couple of months someone says they are tired of Johanna&#039;s &quot;negativity&quot;, someone else agrees, then a bunch of commenters come back with their feelings that Johanna adds a valuable depth to the conversation, and rationally counters Trent&#039;s arguments.

Johanna has never been unreasonably negative and brings another side to the table. If you find you prefer not to read her well thought out comments, you&#039;ll notice that at the beginning of each comment is the commenter&#039;s name. Trent put this feature in a while back SPECIFICALLY so that people could skip past those commenters they didn&#039;t like. Please utilize this helpful feature rather than ask people to refrain from presenting opinions that disagree with your own or the author&#039;s.]]></description>
		<content:encoded><![CDATA[<p>@DOTTIE</p>
<p>Since you are a regular reader you should know that we in the comments have been through this many times before. Seems like every couple of months someone says they are tired of Johanna&#8217;s &#8220;negativity&#8221;, someone else agrees, then a bunch of commenters come back with their feelings that Johanna adds a valuable depth to the conversation, and rationally counters Trent&#8217;s arguments.</p>
<p>Johanna has never been unreasonably negative and brings another side to the table. If you find you prefer not to read her well thought out comments, you&#8217;ll notice that at the beginning of each comment is the commenter&#8217;s name. Trent put this feature in a while back SPECIFICALLY so that people could skip past those commenters they didn&#8217;t like. Please utilize this helpful feature rather than ask people to refrain from presenting opinions that disagree with your own or the author&#8217;s.</p>
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		<title>By: Candi</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887122</link>
		<dc:creator>Candi</dc:creator>
		<pubDate>Mon, 22 Mar 2010 19:56:07 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887122</guid>
		<description><![CDATA[Um, why do comments need to be inspiring or uplifting? Did I miss soemthing where Trent asked for commenters who agree with him, that only write uplifting statements? I thought the point of comments was to comment. Good, bad or indifferent as long as you wanted to write it in response to a posting here on TSD. 

While I sometimes agree with Johanna, at least she makes comments. She adds and contributes to the discussion. And for all you know she really just likes playing devil&#039;s advocate. . . someone should. Otherwise why read a bunch of comments that just agree that everything Trent says is great! I know I would cease to read them very quickly. But that is just me, maybe a bunch of folks would prfer all the comments to be agreeable, uplifting and inspiring (and who says disagreement is not upifting or ispiring?).]]></description>
		<content:encoded><![CDATA[<p>Um, why do comments need to be inspiring or uplifting? Did I miss soemthing where Trent asked for commenters who agree with him, that only write uplifting statements? I thought the point of comments was to comment. Good, bad or indifferent as long as you wanted to write it in response to a posting here on TSD. </p>
<p>While I sometimes agree with Johanna, at least she makes comments. She adds and contributes to the discussion. And for all you know she really just likes playing devil&#8217;s advocate. . . someone should. Otherwise why read a bunch of comments that just agree that everything Trent says is great! I know I would cease to read them very quickly. But that is just me, maybe a bunch of folks would prfer all the comments to be agreeable, uplifting and inspiring (and who says disagreement is not upifting or ispiring?).</p>
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		<title>By: Nicole</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887120</link>
		<dc:creator>Nicole</dc:creator>
		<pubDate>Mon, 22 Mar 2010 19:48:42 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887120</guid>
		<description><![CDATA[Johanna-- I appreciate your comments.  They&#039;re one of the main reasons I still read TSD.  This blog would be dull and much less informative without the comment section.  And if everybody just parroted Trent there would be no point in having comments.  Agree or disagree, they add value.

People-- if you don&#039;t like Johanna&#039;s comments (or mine for that matter) and can&#039;t handle things you disagree with... take your own advice and don&#039;t read them!]]></description>
		<content:encoded><![CDATA[<p>Johanna&#8211; I appreciate your comments.  They&#8217;re one of the main reasons I still read TSD.  This blog would be dull and much less informative without the comment section.  And if everybody just parroted Trent there would be no point in having comments.  Agree or disagree, they add value.</p>
<p>People&#8211; if you don&#8217;t like Johanna&#8217;s comments (or mine for that matter) and can&#8217;t handle things you disagree with&#8230; take your own advice and don&#8217;t read them!</p>
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		<title>By: Kai</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887116</link>
		<dc:creator>Kai</dc:creator>
		<pubDate>Mon, 22 Mar 2010 19:37:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887116</guid>
		<description><![CDATA[Johanna (#2)
I don&#039;t think you should read Sarah&#039;s comparison as critical.  I think it was just meant as a look at opportunity cost.  Perhaps Trent and Sarah would rather have ten trips to Europe.  Perhaps Christopher would rather have the car.
It is a useful tactic to consider what else could be done.  That is ten trips to Europe.  That is perhaps a college education.  That is perhaps a downpayment on a home.  Stating any option is not to say that it is better, but to say &quot;Take a look at what else you could do.  Would the car really be better than any of those options?  If so, then I hope you greatly enjoy the car.&quot;]]></description>
		<content:encoded><![CDATA[<p>Johanna (#2)<br />
I don&#8217;t think you should read Sarah&#8217;s comparison as critical.  I think it was just meant as a look at opportunity cost.  Perhaps Trent and Sarah would rather have ten trips to Europe.  Perhaps Christopher would rather have the car.<br />
It is a useful tactic to consider what else could be done.  That is ten trips to Europe.  That is perhaps a college education.  That is perhaps a downpayment on a home.  Stating any option is not to say that it is better, but to say &#8220;Take a look at what else you could do.  Would the car really be better than any of those options?  If so, then I hope you greatly enjoy the car.&#8221;</p>
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		<title>By: DOTTIE</title>
		<link>http://www.thesimpledollar.com/2010/03/22/reader-mailbag-competition/#comment-887109</link>
		<dc:creator>DOTTIE</dc:creator>
		<pubDate>Mon, 22 Mar 2010 19:16:49 +0000</pubDate>
		<guid isPermaLink="false">http://www.thesimpledollar.com/?p=5150#comment-887109</guid>
		<description><![CDATA[I originally left this comment on the post about not the current post.... 
I really enjoy this blog. I have been reading it since a few months shy of it creation several years ago. I am what some my call a lurker.. I enjoying reading the blog and comments to educate myself, however I rarely post a comment. However, I find myself needing to speak this today:
Johanna, I have noticed that you leave many comments daily and have for many years. A very large amount of your comments are very negative and you hardly ever agree with anything written in the daily blog. It is very very rare that I read something from you that is informative or uplifting. Why do you do this? Wouldn’t it be a better use of your time to read a blog that you would agree with more often? I am all about free opinions and comments however yours never seem to be inspiring. Well just thought I would use ” Had Enough” post from last week to bring my thoughts to the comments.]]></description>
		<content:encoded><![CDATA[<p>I originally left this comment on the post about not the current post&#8230;.<br />
I really enjoy this blog. I have been reading it since a few months shy of it creation several years ago. I am what some my call a lurker.. I enjoying reading the blog and comments to educate myself, however I rarely post a comment. However, I find myself needing to speak this today:<br />
Johanna, I have noticed that you leave many comments daily and have for many years. A very large amount of your comments are very negative and you hardly ever agree with anything written in the daily blog. It is very very rare that I read something from you that is informative or uplifting. Why do you do this? Wouldn’t it be a better use of your time to read a blog that you would agree with more often? I am all about free opinions and comments however yours never seem to be inspiring. Well just thought I would use ” Had Enough” post from last week to bring my thoughts to the comments.</p>
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