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Viewing profile - Scenario Thinker

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Scenario Thinker
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Joined: Sun Feb 24, 2008 3:32 pm
Last visited: Mon Jul 04, 2016 9:24 am
Total posts: 205
[0.23% of all posts / 0.07 posts per day]
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Most active forum: Personal Finance
[ 135 Posts / 65.85% of user’s posts ]
Most active topic: People who earn over the Roth IRA limit can still contribute
[ 7 Posts / 3.41% of user’s posts ]

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Occupation: Statistical/Data Analyst
Interests: thinking, learning, reading, writing, math, finance, drawing, maps, running, karate, movies
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Scenario Thinker Posts

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 Forum: Personal Finance   Topic: refi option, is this a good deal?

Posted: Fri Jan 01, 2010 10:42 am 

Replies: 32
Views: 7739


What I do is always get a 30 year, then use my "accurate" :) Excel spreadsheet and figure out how much I need to pay each time to make it a 15 year (just happens to be around when I retire). Then, if I ever get into trouble, I can always back off and just pay the 30 year payment. It's not ...

 Forum: Personal Finance   Topic: Am I saving too little? / Finding a New Savings Goal.

Posted: Thu Dec 31, 2009 11:36 pm 

Replies: 17
Views: 5155


Agreed, it depends on your situation, your risk tolerance, and of your job and employment prospects, etc. I don't feel I have a government secure type job, so I feel I need a little more, plus I tend to be a little anal about having a little extra. I guess I still don't know if I'd depend on my stoc...

 Forum: Personal Finance   Topic: refi option, is this a good deal?

Posted: Thu Dec 31, 2009 11:29 pm 

Replies: 32
Views: 7739


Refinance @ 5.5% and total finance charges are about $64,510. Add in the 2,500 making 133,500 and total finance charges are about $65,740. Difference is about $1,230. Are the batteries in your calculator OK? I must be completely missing how you're calculating this. A 30-year loan of $129,500 at 5.5...

 Forum: Personal Development   Topic: Career changing as part of a couple

Posted: Thu Dec 31, 2009 5:35 pm 

Replies: 33
Views: 9854


I'm really not good at math and you can get a PhD with plain persistence and curiosity, but you probably won't believe me. No, I believe you, but being good at math has "levels" as to what is meant by being "good". The PhD in maths that I know play it down too, just saying you n...

 Forum: Personal Finance   Topic: Am I saving too little? / Finding a New Savings Goal.

Posted: Thu Dec 31, 2009 5:28 pm 

Replies: 17
Views: 5155


It seems like a terrible waste of investment money to have $60,000 sitting in a CD or other liquid account for the sake of having a 1-year emergency fund. Since my additional retirement savings will all be in taxable accounts, it seems like I should push to get my stock investments as high as possi...

 Forum: Personal Finance   Topic: Am I saving too little? / Finding a New Savings Goal.

Posted: Thu Dec 31, 2009 4:18 pm 

Replies: 17
Views: 5155


tazdollars wrote:
... and (2) build up a $20,000 emergency fund, which is about 4 months expenses.

The only thing I would add right now, I would have more in my efund, maybe a year or more at your income, unless you're sure you will remain employed or can find a job within 4 months if you had to.

 Forum: Personal Finance   Topic: updating income w/ credit card

Posted: Thu Dec 31, 2009 4:07 pm 

Replies: 9
Views: 2582


Embean, you could just look for another good card offer and open it (assuming you don't have 10 other cards already :) ). You won't use it (maybe a backup), but it will increase your total limit. They might eventually just raise your limit anyhow. I wouldn't worry about it too much unless you're get...

 Forum: Personal Development   Topic: What Sort of Job Do You Have? Also: Suggestions?

Posted: Thu Dec 31, 2009 3:54 pm 

Replies: 56
Views: 26422


Thanks for the input, ARMS!

 Forum: Personal Finance   Topic: refi option, is this a good deal?

Posted: Thu Dec 31, 2009 3:46 pm 

Replies: 32
Views: 7739


Scenario Thinker wrote:
$134,500 after 28 payments @ 7% is about 131,000 to refinance.

Tessie wrote:
I should have mentioned that earlier, I have $129,500 left on the loan currently.

Well, I was kinda close :)

$63,775 without 2500
$65,005 with 2500
---------
$1,230 the same

 Forum: Personal Development   Topic: What Sort of Job Do You Have? Also: Suggestions?

Posted: Thu Dec 31, 2009 3:44 pm 

Replies: 56
Views: 26422


Five years after graduation from college I was at six figures, and that was back in 1983, and I've been at the $150k range ever since then. There are good opportunities out there and I am busy all the time. The cream on top is that I love the work too. It provides me lots of options in life. I'm wi...

 Forum: Personal Finance   Topic: refi option, is this a good deal?

Posted: Thu Dec 31, 2009 3:36 pm 

Replies: 32
Views: 7739


Try $12459.88 in interest on the closing costs! That's only if the 2,500 never when down. You could say the the top 2,500 collects interest throughout the life of the loan and that margin generates the 12K. But, the way I did the loan is with and without the 2,500: $134,500 after 28 payments @ 7% i...

 Forum: Personal Finance   Topic: refi option, is this a good deal?

Posted: Thu Dec 31, 2009 1:27 pm 

Replies: 32
Views: 7739


Tessie wrote:
w/approx. 2,500 costs financed into the loan -

Think about paying cash for the costs. They want to roll it into the loan (it makes them more interest on the loan, probably over $1,200 in 30 years). They tried it with my latest refi, but I told them to take it out.

 Forum: Personal Development   Topic: Career changing as part of a couple

Posted: Thu Dec 31, 2009 1:11 pm 

Replies: 33
Views: 9854


I *think* you already know what you should do. CHANGE CAREERS! I would also think about changing boyfriends. You're not married yet, don't get trapped into a relationship where HE has to feel good about what you do. Having said that, isn't there a way, instead of becoming an admin, to use your math...

 Forum: Personal Development   Topic: What Sort of Job Do You Have? Also: Suggestions?

Posted: Thu Dec 10, 2009 11:29 am 

Replies: 56
Views: 26422


My dad was an engineer for Contel back in the day when they were still around. He made pretty good money, and always stressed math-based careers to me, but stupid me, I followed my artistic side, since I was so good at art. Still kicking myself for that mistake. 'Doing what you love' isn't always a...
Page 1 of 14 [ Search found 205 matches ]




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