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Viewing profile - E.C.

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E.C.
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Joined: Fri Mar 21, 2008 8:28 am
Last visited: -
Total posts: 58
[0.07% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 50 Posts / 86.21% of user’s posts ]
Most active topic: How much should I spend on a car?
[ 4 Posts / 6.90% of user’s posts ]

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Age: 29
Occupation: student
Interests: personal finance, physics, biology, mathematics, education
Website: http://notlivingonramen.blogspot.com

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One slightly geeky physics major attempts to survive life in the real world.
http://notlivingonramen.blogspot.com

E.C. Posts

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 Forum: Personal Finance   Topic: Recently married - AGI is too high for a Roth IRA: Now what?

Posted: Sat Apr 09, 2011 8:25 pm 

Replies: 8
Views: 2358


There are two big questions to consider: How much does she plan to contribute to this retirement plan each year? The limit for an IRA is $5,000 a year so if she wants to save more than that each year (in her own account) you'll have to consider other options, possibly including doing the 403b as wel...

 Forum: Personal Finance   Topic: How much should I spend on a car?

Posted: Wed Apr 06, 2011 4:08 pm 

Replies: 17
Views: 2914


Thanks for the clarification! The fellowship should actually decrease my workload during the first year of graduate school because it means I won't need to work as a teaching assistant (typically a 20 hour a week commitment), and it won't increase my workload in subsequent years beyond spending a co...

 Forum: Personal Finance   Topic: How much should I spend on a car?

Posted: Wed Apr 06, 2011 2:37 pm 

Replies: 17
Views: 2914


Stannius, what chickens am I counting? Is this in reference to spending a bit more money (that I've already saved) in response to having an increased future income? If it became a habit yes, that could be a problem, but for one carefully considered purchase I don't see why this is so terrible. I gue...

 Forum: Personal Finance   Topic: Help with Roth IRA

 Post subject: Re: Help with Roth IRA
Posted: Wed Apr 06, 2011 2:14 pm 

Replies: 4
Views: 977


If you are looking to invest in something non-stupid that takes care of balancing your asset allocation for you while you figure out a better long term plan and you are sure you are ok with some risk, you might either look into Vanguard's target date fund for your age category or something like thei...

 Forum: Personal Finance   Topic: How much should I spend on a car?

Posted: Wed Apr 06, 2011 7:16 am 

Replies: 17
Views: 2914


I appreciate everyone's input, and it is very nice to hear well reasoned arguments for multiple options! I must admit that after trying to go test drive some cars to just get a feel for what vehicles would interest me, I'm a lot less inclined to go for an option that would require buying/selling car...

 Forum: Personal Finance   Topic: Healthy Credit Score

 Post subject: Re: Healthy Credit Score
Posted: Sun Mar 27, 2011 8:17 am 

Replies: 7
Views: 1567


How quickly do you want to have the option to buy a house? If you are still in the process of digging yourself out and building your emergency fund before you can start working on a down payment, it sounds like purchasing a home is likely at least a few years away. If that's the case, you'll already...

 Forum: Personal Finance   Topic: How much should I spend on a car?

Posted: Sat Mar 26, 2011 8:55 pm 

Replies: 17
Views: 2914


My 12 year old Taurus is becoming less reliable, and my parents are urging me to purchase a newer vehicle. I'm 24 years old, and I have $10,000 set aside for the purchase of my next car, 6 months living expenses in my emergency fund, $16,000 in my Roth (currently back in school and not working so ca...

 Forum: Personal Finance   Topic: Big Numbers and Small Numbers

Posted: Sat May 22, 2010 7:38 am 

Replies: 3
Views: 1238


One thing that has worked well for me is to go cash-only for daily expenses for a few weeks. I take out money at the beginning of the week, leave my debit card and credit card in my lock box at home, and force myself to make it work on the cash in my wallet. Spending $25 seems like a much bigger dea...

 Forum: Personal Finance   Topic: Leaving job, what to do with pension?

Posted: Wed May 19, 2010 7:40 pm 

Replies: 5
Views: 1378


It looks like all of my contributions should be vested. The employer contributions won't be, but I wasn't expecting them to be. I guess I'll give Vanguard a call to figure out an action plan for getting this taken care of this summer. Now I just need to figure out what to invest in. I currently have...

 Forum: Personal Finance   Topic: Leaving job, what to do with pension?

Posted: Mon May 17, 2010 6:28 pm 

Replies: 5
Views: 1378


I have been a public school teacher for the past two years and have thus been making mandatory contributions of 6% of my salary to my state retirement system. I've concluded that I won't be returning to the classroom in the fall so now I need to figure out what to do about the approximately $4,000 I...

 Forum: Personal Development   Topic: I hate my life

Posted: Wed Jul 01, 2009 8:34 am 

Replies: 48
Views: 21722


LDE22, Please try to get some help with your depression. I've been through depression, and I know how easy it is to feel that you're miserable, failing at everything, and those around you would be better off if you were gone. THEY WOULDN'T BE. My ex-boyfriend killed himself several months ago, and i...

 Forum: Personal Finance   Topic: Book Ideas?

Posted: Tue Jun 09, 2009 7:55 pm 

Replies: 13
Views: 8400


My favorite is still The Only Investment Guide You'll Ever Need by Andrew Tobias. My dad gave it to me when I was in junior high, and it was a great introduction to the basic principles of money management and investing.

 Forum: Personal Finance   Topic: Which online accounts offer subaccounts?

Posted: Tue Jun 09, 2009 7:52 pm 

Replies: 4
Views: 1326


I have an HSBC Direct savings account, and I haven't seen this feature offered. FNBO Direct, where I opened an account a few months ago, does let you open several different accounts under one log-in and give them nicknames.

 Forum: Personal Development   Topic: Women empowerment

Posted: Sun Apr 26, 2009 12:03 pm 

Replies: 4
Views: 4710


I'm sorry to hear about your mom. I'll second the comment that depression can have biochemical as well as situational causes. I do find it interesting that when you talk about all being well in your family, you refer to your father, your sister, and yourself, but not what your mom is doing. Was her ...
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