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Viewing profile - nelson

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nelson
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Joined: Fri Jun 25, 2010 3:06 pm
Last visited: Thu Mar 21, 2013 5:52 am
Total posts: 81
[0.09% of all posts / 0.04 posts per day]
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Most active forum: Personal Finance
[ 75 Posts / 92.59% of user’s posts ]
Most active topic: Help Me Prioritize - High Income, High Debt
[ 4 Posts / 4.94% of user’s posts ]

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nelson Posts

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 Forum: Personal Finance   Topic: Where do you keep your Emergency Fund?

Posted: Sat Mar 02, 2013 11:54 am 

Replies: 17
Views: 3611


If I were to reduce my ING account to $10k (just $800 under 3 months expenses), I would have $15k to make better use of. It would take $9200 to max out both of our Roths for 2013, but I kinda like the idea of putting the bulk or all of the $15k toward the mortgage. We are on pace to pay it off with...

 Forum: Personal Finance   Topic: 401k Question for New Job

Posted: Wed Feb 27, 2013 11:52 am 

Replies: 7
Views: 1327


Yeah, you can't go wrong if you can contribute 9%, so that's what I'd do. Even when I was paying off debt I put in 8% (max matched) to the 401k for my employer to match. And truthfully, its far easier to become comfortable with an affordable lifestyle if you never see the money than if you start off...

 Forum: Personal Finance   Topic: Getting a raise

 Post subject: Re: Getting a raise
Posted: Sat Feb 23, 2013 4:49 pm 

Replies: 14
Views: 1879


Well, in my company, it's not *that* uncommon for salaries to get out of line temporarily with annual raises. However, once the promotions kick in (i.e. big, non-normal raise), everything gets rebalanced to where it should be. If your company is like that, wait for the promotion. If not, get the res...

 Forum: Personal Finance   Topic: Use Savings to Pay Off Car Loan or Keep in Savings?

Posted: Sat Feb 23, 2013 4:44 pm 

Replies: 14
Views: 5305


So, how long before you know what your situation will be? How much is the wait costing in interest? Are you willing to pay that cost for "insurance" purposes in case things head south? If not, pay off the car. If so, hold off a bit. Of course you don't necessarily have to go 100% or 0%, yo...

 Forum: Personal Finance   Topic: Income Planning 23 Year Old

Posted: Sat Feb 23, 2013 4:38 pm 

Replies: 12
Views: 2097


It sounds like you're doing good so far. I think the normal emergency fund is 6 months worth of expenses. After that, start paying off debt while still funding retirement accounts. I'd prioritize student loans over housing because you can't walk away from those loans, not even in bankruptcy. As far ...

 Forum: General Discussion   Topic: Internet TV

 Post subject: Re: Internet TV
Posted: Wed Feb 06, 2013 9:49 am 

Replies: 16
Views: 7316


I like the new "House of Cards" series on Netflix (exclusively). Other than that I agree that new releases aren't their forte.

 Forum: Personal Development   Topic: Should I attempt to negotiate for a higher salary?

Posted: Wed Feb 06, 2013 8:34 am 

Replies: 12
Views: 4281


You are in a bad negotiating position, however it rarely hurts to ask. Just don't make it sound like an ultimatum.

 Forum: Personal Finance   Topic: Overwhelmed

 Post subject: Re: Overwhelmed
Posted: Wed Feb 06, 2013 8:19 am 

Replies: 7
Views: 1466


First thing to do is figure out what your priorities are. Do you want to become a full time landlord? Do you want to grow your 2nd business? Do you want to start a new business? Do you want to retire and spend the rest of your life traveling the world? From there you can decide where your money is b...

 Forum: Personal Finance   Topic: Won't be having kids-Why buy a house?

Posted: Wed Feb 06, 2013 8:10 am 

Replies: 9
Views: 1603


I think I'd keep renting. If nothing else, pay back the student loan first and then decide.

 Forum: Personal Finance   Topic: How to save cash for next car

Posted: Wed Feb 06, 2013 8:07 am 

Replies: 4
Views: 1462


What I did was invest in a CD up front. Additional funds after that went to a money market account. When the CD matured, that went into the money market account. When I was ready to buy the car, I transferred funds from the MMA into Checking and wrote a check.

 Forum: Personal Finance   Topic: Fastest Way To Pay Off a Student Loan

Posted: Wed Feb 06, 2013 8:04 am 

Replies: 10
Views: 3982


So, here's what you do:

1. Earn money.
2. Use that money to pay back loan.
3. Repeat until loan is paid off.

 Forum: Personal Finance   Topic: Buying house for family -- make sense?

Posted: Sat Jan 19, 2013 7:45 pm 

Replies: 15
Views: 2795


Don't do it. They're not in the streets and they'll only resent any help you give them (at least if you try to collect). Pay off your own debts. Then once that's done, you can decide the best way to help them financially. Do not expect any kind of repayment whatever you do.

 Forum: Personal Finance   Topic: Student loans reconsolidated, now there are problems...

Posted: Sat Jan 19, 2013 7:40 pm 

Replies: 17
Views: 4153


Some jobs will pay for your education if its relevant to your work. Get one of those.

 Forum: Personal Finance   Topic: Do you save or do you pay it down?

Posted: Fri Jan 11, 2013 9:39 pm 

Replies: 26
Views: 4045


Get rid of the mortgage. There is no *guaranteed* investment that will provide a greater return. But you don't have to completely ignore other investments. Get the matching funds from the 401k and max out the roth while you're paying off the mortgage. That way you have some balance. Now the nice thi...
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