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It is currently Fri Jul 29, 2016 8:31 pm



Viewing profile - DebtFreeCrusader

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DebtFreeCrusader
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Joined: Sun Feb 17, 2008 4:39 am
Last visited: Mon Jul 29, 2013 4:14 am
Total posts: 322
[0.36% of all posts / 0.10 posts per day]
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Most active forum: Personal Finance
[ 239 Posts / 74.22% of user’s posts ]
Most active topic: The Wrath of the Math.... on Debts
[ 18 Posts / 5.59% of user’s posts ]

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DebtFreeCrusader Posts

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 Forum: Personal Finance   Topic: How To Organize Your Savings

Posted: Mon Jan 16, 2012 11:24 am 

Replies: 8
Views: 2886


Congrats on reaching your EF goal I'm not sure, i understand your question but I'll interpret it my way example I need to pay motorcycle insurance which is around 350/year so in my spending plan (budget to others) i pay $30 each month to my motorcycle insurance sub-account at ING, same goes to anyth...

 Forum: Personal Finance   Topic: Whats the purpose of paying yourself?

Posted: Mon Jan 16, 2012 10:02 am 

Replies: 6
Views: 1506


It is common knowledge in personal finance that you should pay yourself first 10%-20% My question is for this 10%-20% are you not supposed to touch it at all and only use it to invest? Or after saving 10%-20% for a while and you save enough to buy a car for example can you spend it??? You save it f...

 Forum: Personal Finance   Topic: $1500 for investment plan, whatchu think?

Posted: Mon Jan 16, 2012 9:03 am 

Replies: 10
Views: 1703


Thank you, I have been thinking about this for nearly a month, and though I wasn't comfortable about the idea of paying $1500 for someone's opinion, I do realize I need help DIY or else
I really appreciate your answers.

 Forum: Personal Finance   Topic: $1500 for investment plan, whatchu think?

Posted: Fri Jan 13, 2012 8:12 pm 

Replies: 10
Views: 1703


I need help professional or otherwise we plan on maxing out our 401k and IRAs are fully funded for 2012 we have a sub account for our child at ING which will eventually go into a 529 plan we have one year EF we could pay off the mortgage, but we don't like the house that much I know we need to do so...

 Forum: Personal Finance   Topic: Non-529 place for college savings

Posted: Tue Jan 10, 2012 11:37 am 

Replies: 6
Views: 1635


subscribed**************************************

 Forum: Personal Finance   Topic: Roth IRA/traditional IRA question

Posted: Mon Jan 09, 2012 10:33 am 

Replies: 37
Views: 4710


interesting read i must say

 Forum: Personal Finance   Topic: payoff 401k loan, make contributions, or hit credit cards?

Posted: Sat Oct 29, 2011 2:55 am 

Replies: 4
Views: 1794


if it was me i would knock off the 401k

 Forum: Personal Finance   Topic: What's the best car choice for someone with a long commute?

Posted: Tue Sep 06, 2011 4:08 pm 

Replies: 9
Views: 2240


Diesel are great for long commute.

 Forum: Personal Finance   Topic: funding IRAs -- paycheck or personal check

Posted: Fri Sep 02, 2011 8:03 am 

Replies: 11
Views: 1591


I'm going the Lump Sum route One big thing I had not considered when trying to decide which way and how often to fund the IRAs was that if we went the DCA route the money wouldn't be immediately available at Vanguard as it would take about 7 business days before for investing. in any case i fully fu...

 Forum: Personal Finance   Topic: funding IRAs -- paycheck or personal check

Posted: Sun Aug 21, 2011 6:12 am 

Replies: 11
Views: 1591


DoingHomework wrote:
I'm not so sure that you are correct about pretax treatment if you choose payroll deduction.


I had a talk with the folks at Vanguard and i learned that pretax funding is not an option.

 Forum: Personal Finance   Topic: Considering the 15-year mortgage. Is it worth it?

Posted: Thu Aug 18, 2011 10:24 am 

Replies: 8
Views: 1957


at a $500 difference i'd go with the 15 years mortgage

 Forum: Personal Finance   Topic: Withdrawal from roth ira, deposit back count against $5000?

Posted: Thu Aug 18, 2011 9:49 am 

Replies: 11
Views: 1853


yes you can if the the money is put back in within 60 days otherwise you'll have to wait til 2012

 Forum: Personal Finance   Topic: Withdrawal from roth ira, deposit back count against $5000?

Posted: Thu Aug 18, 2011 7:50 am 

Replies: 11
Views: 1853


this is a guess but I would think your contribution for 2011 is done because when they look at your Deposit side of the ledger for this year it will totaled $5000.

This is me having a convo in the waiting room while we wait for those who know the answer

 Forum: Personal Finance   Topic: funding IRAs -- paycheck or personal check

Posted: Thu Aug 18, 2011 7:35 am 

Replies: 11
Views: 1591


We getting ready to open some IRAs to supplement our 401ks and I'd like to have them funded through our paychecks each time we get paid. My lovely wife asked me why don't we just pay the $10k ($5k each) and be done with it. I have a few arguments 1- by going the paycheck deduction route, the IRAs wo...
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