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Viewing profile - Greenewashed

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Greenewashed
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Joined: Thu Jun 05, 2008 9:46 am
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Total posts: 176
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Most active forum: Personal Finance
[ 152 Posts / 86.36% of user’s posts ]
Most active topic: RIRA when to invest questions
[ 7 Posts / 3.98% of user’s posts ]

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Greenewashed Posts

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 Forum: Success Stories   Topic: Net Worth at Graduation

 Post subject: Re: Net Worth at Graduation
Posted: Fri Apr 26, 2013 6:50 am 

Replies: 5
Views: 6536


What a great feeling that will be, to collect your diploma with your finances in the black! Congratulations on all your hard work and a new beginning. What are your career plans with your finance degree?

 Forum: Success Stories   Topic: Two milestones in one day!

 Post subject: Two milestones in one day!
Posted: Fri Apr 26, 2013 6:47 am 

Replies: 5
Views: 3410


Today is a good day. The sun is shining, birds are singing, and I hit two financial milestones in the same day: ⋅ My retirement accounts hit the six-figure mark for the first time ever ⋅ I have paid down my student loan balance to the THREE-figure mark (<$1,000)! I honestly think...

 Forum: Personal Finance   Topic: Assassinate your Student Loan *here*

Posted: Thu Feb 21, 2013 6:54 am 

Replies: 225
Views: 57548


That is fantastic progress, Jason! :clap: What a feeling it must be to see huge chunks of debt destroyed.

 Forum: Personal Finance   Topic: Advice on buying a home at over its estimated value

Posted: Sun Feb 17, 2013 1:28 pm 

Replies: 14
Views: 2466


The bank will look at the appraised value. The sellers can prepare for the appraiser by putting together a list of the improvements that the sellers made to the house. Their realtor can pull comparable homes and give a concise explanation of why those comps should be used and how the sellers' house ...

 Forum: Personal Finance   Topic: Got some money to throw at the car loan, NEED SOME ADVICE!

Posted: Sat Feb 16, 2013 10:08 am 

Replies: 10
Views: 2389


You really have two issues here. The first is, do you keep your car or sell it and go for something far less expensive. That's a choice only you can make. I haven't seen your other thread. The second issue is, if you are keeping the car, do you 1) keep the loan and do something else with the windfal...

 Forum: Personal Finance   Topic: Taking a pay cut, need some feedback

Posted: Tue Feb 12, 2013 7:13 am 

Replies: 6
Views: 2090


Quote:
We're still able to sock money away every month for two Roth IRA's, a new car, max out our 401ks, pay a little extra on the mortgage.


Wait... the $3400/month is net of maxing out two 401(k)s (almost $3000/month combined)? Yeah, I would say you're doing just fine. :)

 Forum: Personal Finance   Topic: Taking a pay cut, need some feedback

Posted: Fri Feb 08, 2013 7:50 pm 

Replies: 6
Views: 2090


Here are our expenses: Mortgage : $800 (actually $755 but I pay a little extra.) Stop paying extra, you have other priorities now. Can you refinance to a lower rate? Electric: $150-200 Seems high, think of ways to trim this. Water: $75 Groceries: $400 Looks reasonable, but any way you can trim here...

 Forum: Personal Finance   Topic: How should we prioritize retirement, student loans, house?

Posted: Fri Feb 08, 2013 7:45 am 

Replies: 3
Views: 1219


-Pay extra towards the student loan How fast could you pay it off? If a few months, this would be my choice. You're getting a great risk-free rate and can then free up the cash flow for your other goals. If it would take years, it would mean putting your other goals on hold. -Increase our emergency...

 Forum: General Discussion   Topic: Internet TV

 Post subject: Re: Internet TV
Posted: Wed Feb 06, 2013 2:28 pm 

Replies: 16
Views: 7335


The selection on Netflix seems to be very poor. We spent over an hour the other night just trying to find something to watch that was actually available. Almost everything less than 5 years old seems to be only available on DVD. Try http://instantwatcher.com/ first - at least that will let you see ...

 Forum: Personal Finance   Topic: Changing Terms on a Student Loan?

Posted: Sat Feb 02, 2013 11:14 am 

Replies: 5
Views: 1352


This is called "recasting." My student loan people let me do it, but YMMV. You should check your promissory note to see if there's anything in there giving you the right. Even if there isn't, your servicer may allow it.

 Forum: Personal Finance   Topic: I'm 25 and starting a 401k: which funds should I choose?

Posted: Tue Feb 22, 2011 2:11 pm 

Replies: 26
Views: 4070


I misspoke, you're right. I shouldn't have gotten too far afield with the talk of specific funds to begin with. My point all along was meant to be general. OP was asking about choice, and I was pointing out a way to get more choice.

I'm out.

 Forum: Personal Finance   Topic: I'm 25 and starting a 401k: which funds should I choose?

Posted: Tue Feb 22, 2011 12:44 pm 

Replies: 26
Views: 4070


Maybe I wasn't clear, I wasn't suggesting he forego the 401(k) entirely. He could still invest in the good funds in his 401(k), but an IRA would give him the option to choose almost any funds he wanted, even ETF's, and have a much more representative portfolio overall. Ok, and I have nothing agains...

 Forum: Personal Finance   Topic: I'm 25 and starting a 401k: which funds should I choose?

Posted: Tue Feb 22, 2011 12:42 pm 

Replies: 26
Views: 4070


Vanguard's international fund has and expense ratio of 0.51%. It has returned about 4.9% annually over the last 10 years. AF Europacific Growth has returned about 6.75% annually over the same period (This is for the A shares. The R shares have done better.) It has an ER of 0.52% 1. Past performance...

 Forum: Personal Finance   Topic: I'm 25 and starting a 401k: which funds should I choose?

Posted: Tue Feb 22, 2011 12:31 pm 

Replies: 26
Views: 4070


Higher expense ratios? Vanguard's expense ratios top out at 0.63% with most well below that. Their small- and mid-cap index funds have expense ratios of 0.27% - 0.30%. Yes, but the OP can buy the Vanguard fund for 0.07% ER. The PIMCO and AF funds are similarly cheap. Those are both excellent funds ...
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