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Wednesday, June 3

Tag: #Shalady

Past comes knocking
Others

Past comes knocking

As a middle aged white American male, I had it all. A wife, a white picket fence, 2 kids and a dog - the perfect American life. All this changed sometime back. As the inevitability of my mortality dawned on me, the skeletons and emotions that I had kept hidden successfully for decades started to haunt me. The traumas of childhood, that we men are expected to ignore, came back to torment me. The pledges of childhood, once forgotten now consumed me in a fashion I cannot describe. As empty-nesters, my personal ghosts ended up affecting my wife who had no other outlet. This continued until she could not take it anymore and left me for someone far younger. Mid Life Crisis. Such a simple phrase that sums up such a vast array of problems. Even during the troubling times, I knew that th...
Practical Lesson: New vs Used Car
Money Matters

Practical Lesson: New vs Used Car

A year ago, after months of new vs used research, we ended up with a 5-year loan on a brand-new over-budget Toyota Rav4. It was my first ever car (new\used). We plan to keep the vehicle for a few years (more than 5).  As apprehensive as we were while buying a new vehicle, the joy of a shiny new toy convinced us that it was a good decision. The 0% interest on the loan helped too. Warning lights for following got thrown out of the window. We owed more on the car than our net-worth. Rate of depreciation was faster than rate of loan repayment. For a family of 2 that uses a local train for commute, SUV wasn’t really a necessary vehicle of choice. Our Rate of savings would take a huge dip thanks to an exorbitant monthly payment. Today somebody backed into our car. The damage was ...