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Viewing profile - specabecca

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specabecca
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Joined: Thu Mar 27, 2008 4:24 pm
Last visited: -
Total posts: 353
[0.40% of all posts / 0.12 posts per day]
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Most active forum: Personal Finance
[ 275 Posts / 77.90% of user’s posts ]
Most active topic: About to open a ROTH IRA... need advice.
[ 5 Posts / 1.42% of user’s posts ]

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Location: St Pete
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Becca

specabecca Posts

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 Forum: Personal Finance   Topic: Short term asset allocation

Posted: Fri Jul 23, 2010 12:38 pm 

Replies: 8
Views: 1249


"including a maxed out hsa, one maxed out 401k, and one 401k up to the match" Increase your 401k contributions. No matter how aweful the 401k program is, you can always put money into it and roll it over into an IRA later. It's so tax efficient, you just cannot beat it in any after-tax sav...

 Forum: Fiscal Fitness Journals   Topic: Keeping Focus

 Post subject: Re: Keeping Focus
Posted: Mon Jul 19, 2010 3:41 am 

Replies: 4
Views: 2874


We've been frustrated. It didn't occur to either of us until lately that it might be because we haven't had a vacation in about 4 years, or much of a breather in general. So... this last month, we've been spending. We've been feeling better after discovering new local restaurants, markets, and enter...

 Forum: Personal Finance   Topic: am i trying too hard?

 Post subject: Re: am i trying too hard?
Posted: Fri Jul 09, 2010 5:44 am 

Replies: 32
Views: 28473


And last, but not least, get the heck away from Primerica. All MLM's are scams. Primerica's products are all overpriced compared to their competitors, they use sleazy, deceptive recruiting tactics, and it's just a scummy, scummy organization. Sever your ties with them and stop nagging your friends ...

 Forum: Personal Finance   Topic: Refiance

 Post subject: Re: Refiance
Posted: Fri Jul 09, 2010 4:57 am 

Replies: 36
Views: 4563


I say go for it. The lower interest rate is the key - and you can use discipline to knock the socks off that 40k if you want. In short, I'd prefer this option because it gives you more control and lower monthly payments. Lastly, my cynical opinion is that housing values will continue to get worse be...

 Forum: Personal Finance   Topic: need advice for sallie mae loan

Posted: Thu Jul 01, 2010 2:07 pm 

Replies: 8
Views: 2134


Do NOT borrow against your retirement funds to pay this debt. That will cripple you in future, and open a whole other pot of problems that won't be pretty - most notably like having to pay taxes for the privilege of taking your own money out to bail out your bad decision to cosign. Furthermore, do N...

 Forum: Personal Finance   Topic: Advice Please: Wedding OR Debt? UPDATE!

Posted: Thu Jul 01, 2010 10:00 am 

Replies: 41
Views: 21516


On a more delicate note, use good judgment when "Passing the word around that cash gifts are welcome." Older folks, more traditional folks, and 30-somthings who blanket their houses in antiques and doilies (me!) generally get somewhere between peeved and insulted with a dictum from the bri...

 Forum: Personal Finance   Topic: what should my brother do?

Posted: Thu Jul 01, 2010 8:30 am 

Replies: 18
Views: 2877


If he needs to change something, it's not to be such a nice guy and start sticking up for himself. I think you hit the nail on the head, partygypsy. Frankly, caring for your father needs to take a back seat to caring for his children. If Dad is living with him, then he should be making it a benefit...

 Forum: Fiscal Fitness Journals   Topic: Keeping Focus

 Post subject: Re: Keeping Focus
Posted: Thu Jul 01, 2010 8:08 am 

Replies: 4
Views: 2874


Thank you both for your thoughtful responses. Peachy - you helped me take the plunge. I bought the system and have been enjoying just one shower a day for a few weeks now. My son still drags us outside, but when we go, we don't come back too filthy - or at least, I don't. Partygypsy, I researched th...

 Forum: Personal Finance   Topic: How long did it take you to build your EM fund?

Posted: Wed Jun 30, 2010 8:57 am 

Replies: 4
Views: 1352


We saved our 6 month e-fund in stages over about 5 years. First, we had 2.5%. 6 months later, 15%. We stopped there for about 2 years, as I was much less interested in an e-fund than retirement savings and debt repayment. At the time, I counted our Roth IRA savings as a secondary e-fund to help my h...

 Forum: Personal Finance   Topic: what should my brother do?

Posted: Wed Jun 30, 2010 8:30 am 

Replies: 18
Views: 2877


It doesn't matter what anyone's opinion is. What matters is that your brother is a good father to his children, which - depending on state laws - may mean forgoing the optional legal battle with the ex. From what I've understood watching our good friend live it, there is always a risk of losing some...

 Forum: Personal Finance   Topic: Student in Debt $250,000

Posted: Wed Jun 16, 2010 8:23 am 

Replies: 18
Views: 6015


For starters, 13k a year in living expenses is excessive. That's just too high for a college lifestyle. You can live in a studio apartment, or bunk with a hoard of other undergrads for a few hundred a month. Ride a bike wherever you go, or use mass transit where available. Eat Krishna food or whatev...

 Forum: Personal Finance   Topic: Changed plans, what about the savings?

Posted: Tue May 25, 2010 6:43 am 

Replies: 16
Views: 3694


I.e. if I make a $10 000 voluntary payment then $11 000 is removed from my debt. Wow, that's even better than getting rid of debt because you have interest accruing - you actually get rewarded significantly for paying your debt back before you are required to! ...and I got all sorts of excited for ...

 Forum: Personal Finance   Topic: Changed plans, what about the savings?

Posted: Mon May 24, 2010 11:56 am 

Replies: 16
Views: 3694


Oh my. Great problem to have. My knee jerk reaction is to tell you to pack up and GO. I think you and your SO should spend 5-10k on travel. You are at such a formative time in your adult life - at 24 you have the freedom, the means, and the desire to see the world. Make your money really stretch by ...

 Forum: Fiscal Fitness Journals   Topic: Keeping Focus

 Post subject: Keeping Focus
Posted: Mon May 24, 2010 7:30 am 

Replies: 4
Views: 2874


* Goal 1: happy, healthy family - invest in child(ren) - focus on improving general health * Goal 2: financial independence Progress 1) I'm staying at home with our son 5/7 days, and his Aunt watches him the other two. Finally got husband and I a primary doc we like, and he's following doctor’s orde...
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