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Viewing profile - venturing

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venturing
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Joined: Sun Jan 13, 2008 1:53 pm
Last visited: Sun Feb 06, 2011 6:59 pm
Total posts: 29
[0.03% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 28 Posts / 96.55% of user’s posts ]
Most active topic: Question about Lending Club investment returns?
[ 2 Posts / 6.90% of user’s posts ]

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venturing Posts

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 Forum: Personal Finance   Topic: need advice...pay off 2nd mortgage or student loan first

Posted: Sun Feb 06, 2011 5:18 pm 

Replies: 16
Views: 4548


My vote is for the student loan. Get rid of all of your non-mortgage debt first, regardless of the interest rates. Its the debt you can't shake in a worst-case scenario. Contribute to your 401k up to the match and build a small e fund. You specifically mentioned that this mix made you the most comfo...

 Forum: Personal Finance   Topic: Question about Lending Club investment returns?

Posted: Sun Feb 06, 2011 4:54 pm 

Replies: 25
Views: 8722


Having been an investor with Lending Club for 2 years, I'm surprised by some of the comments towards both Lending Club and p2p lending in general. I began with caution and have always invested only what I was comfortable risking. With 2 years under my belt, I'm comfortable the platform offers me all...

 Forum: Personal Finance   Topic: Merry Christmas from your bank

Posted: Fri Dec 03, 2010 9:38 pm 

Replies: 11
Views: 2176


I thought I would share this letter I received from our bank today re: our car loan. With the holidays fast approaching, you're probably starting to get busy. Now, here's one thing you can cross off your to-do list - paying your December loan payment. To thank you for your business, we'd invite you ...

 Forum: Personal Finance   Topic: Discount Brokers - Client Services

Posted: Sun Jan 10, 2010 11:18 am 

Replies: 1
Views: 677


I made a call into my discount broker with a few mutual fund questions. It was highly informative and left me wondering, what else could I learn about the service they offer. I have a local branch near me, and I have been contacted by a rep from that office. Has anyone ever engaged in this way? If e...

 Forum: Personal Finance   Topic: Drip Investing

Posted: Sun Jan 03, 2010 9:44 am 

Replies: 22
Views: 5273


We have used it twice to setup DRIP accounts for the kids. It simplifies the initial purchase and account setup for any of the companies listed. For example, to invest in JNJ you need to hold at least one share to enroll in the DRIP. JNJ doesn't allow for direct investment, so you need to have it/ge...

 Forum: Personal Finance   Topic: college 529's?

Posted: Fri Feb 08, 2008 6:50 pm 

Replies: 8
Views: 3596


A very good site is:

http://www.savingforcollege.com/

 Forum: Personal Finance   Topic: Taxes matter

 Post subject: Taxes matter
Posted: Sun Feb 03, 2008 9:11 am 

Replies: 2
Views: 2137


While reading the Trib this morning, I found the following para to be a very interesting way to look at spending. I'm not certain I agree with it in that an unspent dollar would have the same tax implications as the spent dollar (assuming the unspent dollar didn't go to a retirement account). I've r...

 Forum: Personal Finance   Topic: Freezing retirement savings to pay off debt quicker?

Posted: Sat Feb 02, 2008 1:38 pm 

Replies: 8
Views: 3821


I agree that it is a bad idea. I worked for a company that did a pay reduction in lieu of layoffs. I killed off my 401k for 9 months during the reduction, but I didn't change any spending habits along the way. I ended with greater debt load and nothing in the 401k for 12 months. Didn't figure out th...

 Forum: Personal Finance   Topic: Fund Roth before filing taxes?

Posted: Fri Feb 01, 2008 7:37 pm 

Replies: 9
Views: 5184


danielle17 is correct... I typically would finish funding prior year with proceeds from the return. You (and the IRS) will get a Form 5498 with balance and 2007 contributions in late May which is their check/balance.

 Forum: Personal Finance   Topic: Sharebuilder

Posted: Wed Jan 30, 2008 8:24 pm 

Replies: 5
Views: 3278


Sharebuilder is good until you build up enough funding to trade whole shares or transfer larger amounts. A Schwab, eTrade, Ameritrade will have $100 minimums on electronic transfers inbound and you'll have to trade in whole shares at $9.95. A fractional buy on a twice monthly automatic investment of...

 Forum: Personal Finance   Topic: Pay off the car loan?

Posted: Wed Jan 30, 2008 8:06 pm 

Replies: 26
Views: 10032


Get yourself level on the car loan and reassess your situation. In the unfortunate situation of an accident totaling the car, you'd continue paying on it after the insurance payout (depending on insurance).

 Forum: Personal Finance   Topic: Sector Indices, who has the most accurate benchmarking?

Posted: Wed Jan 30, 2008 8:03 pm 

Replies: 6
Views: 2614


I would also recommend ETFs as they tend to peg a particular benchmark closer than a mutual fund counterpart. iShares would be the most widely known for this purpose.

 Forum: Personal Finance   Topic: Credit Cards ................?

Posted: Mon Jan 28, 2008 8:00 pm 

Replies: 6
Views: 2835


I agree.. credit cards are NOT bad. 2 free trips across the pond on points/miles. no complaints from my wife!

 Forum: Personal Finance   Topic: Advice on USD to GBP for loan repayments.

Posted: Mon Jan 28, 2008 7:58 pm 

Replies: 7
Views: 3114


I was thinking maybe a US and UK based bank like HSBC would be a good bet for transfers between accounts. In the US, you would need to be on the east coast (NY area) to open an account in person and get answers to this question. I doubt your going to fly back to the UK just to figure this one out (I...
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