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Viewing profile - tazdollars

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tazdollars
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Joined: Mon Sep 29, 2008 7:32 am
Last visited: Wed Oct 29, 2014 11:03 am
Total posts: 289
[0.33% of all posts / 0.10 posts per day]
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Most active forum: Personal Finance
[ 280 Posts / 96.89% of user’s posts ]
Most active topic: Getting away from Merrill Lynch
[ 16 Posts / 5.54% of user’s posts ]

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tazdollars Posts

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 Forum: Personal Finance   Topic: CD Ladder for Emergency Fund?

Posted: Tue Apr 22, 2014 11:00 am 

Replies: 15
Views: 2405


I looked at this a few years ago and, based on the small (i.e., 1-3 months interest) penalty for withdrawing early, it made the most sense to buy multiple 5-year CD's rather than do the "ladder".

 Forum: Personal Finance   Topic: Forgotten Beneficiary

 Post subject: Re: Forgotten Beneficiary
Posted: Mon Nov 25, 2013 11:45 am 

Replies: 14
Views: 1708


I think you're royally screwed.

 Forum: Personal Finance   Topic: Dave Ramsey story on CNN Money

Posted: Tue Oct 01, 2013 10:08 am 

Replies: 117
Views: 17807


Well done, VinTek! Great use of concrete #'s.

 Forum: Personal Finance   Topic: emergency 'fast cash' loan, what to do?

Posted: Sat Aug 10, 2013 11:45 am 

Replies: 19
Views: 3213


How far away is she? How much money do you need?

 Forum: Personal Finance   Topic: What's the true cost of an electric vehicle?

Posted: Wed Aug 07, 2013 5:24 pm 

Replies: 13
Views: 2270


Electrics 1. best for someone who drives a limited amount each day (urbanite driving less then 30 miles each day/ or a station car.) I am 9 miles from the office. I had actually read the opposite -- that you're better off with a pure electric with decent range (a la Tesla Model S) if you're driving...

 Forum: Personal Finance   Topic: How can anybody make a huge purchase in this economy???

Posted: Mon Feb 18, 2013 7:39 am 

Replies: 22
Views: 3244


Okay, so after agonizing over this for several weeks (months?), my wife and I decided that our lives are in too much of a state of flux to consider a huge investment right now and we're just going to wait until January 2015 and pile up as much cash as we can. At that time, we'll decide whether to pa...

 Forum: Personal Finance   Topic: How can anybody make a huge purchase in this economy???

Posted: Tue Feb 12, 2013 3:49 pm 

Replies: 22
Views: 3244


And if you have kids, it's even harder because if you're planning to leave them an inheritance you'll leave them more if you keep working. The same applies for high earners who are committed to philanthropy: the longer you work, the more you can donate to the causes you support. Once you retire, yo...

 Forum: Personal Finance   Topic: How can anybody make a huge purchase in this economy???

Posted: Mon Feb 11, 2013 6:49 pm 

Replies: 22
Views: 3244


I'm just in my late-30's, so I'm in that stage of life that all of my peers are taking on huge amounts of debt, so I feel as if I'm out of sync with what everybody else was doing. I think part of the problem is that I don't really have financial goals. I tell myself that I want to retire when I'm 50...

 Forum: Personal Finance   Topic: How can anybody make a huge purchase in this economy???

Posted: Mon Feb 11, 2013 6:20 pm 

Replies: 22
Views: 3244


Well, again no way to predict the future. Some questions to ask, how secure is your job? Can your spouse pick up more income should something happen, to pay the mortgage? Are you planning on staying in that area, during employment, and retirement? Does that house fit both times of your life? How ol...

 Forum: Personal Finance   Topic: How can anybody make a huge purchase in this economy???

Posted: Mon Feb 11, 2013 12:15 pm 

Replies: 22
Views: 3244


My wife and I are looking to possibly upgrade over our current home by building a brand new house that will better suit our growing family. Our current home is fine and even tolerable for the long term, but we just want more space for the boys to play indoors and for us to entertain. The new house i...

 Forum: Personal Finance   Topic: Help Me Prioritize - High Income, High Debt

Posted: Sat Dec 08, 2012 8:39 am 

Replies: 22
Views: 3559


So, just a guess, but I'm betting your a 3rd or 4th year associate at a D.C. area or maybe Chicago area law firm. Am I close? :) I was in your same shoes, except my home was a fair bit cheaper and my only debt was student loans. The only way out of this mess is focus, focus, focus on getting rid of ...

 Forum: Personal Finance   Topic: is a refi a good option when paying double payments monthly?

Posted: Fri May 04, 2012 7:38 am 

Replies: 3
Views: 1489


Given the low balance of the loan, I would go with a slightly higher interest rate on a no-closing-cost loan. Those closing costs are equivalent to paying about 3 points on the loan.

I just closed last week on a $250,000 refinance at 15 years/3.5% fixed with no closing costs.

 Forum: Personal Finance   Topic: Best Vanguard Fund for Taxable Investing

Posted: Thu May 03, 2012 8:15 am 

Replies: 10
Views: 9475


Thanks DH. I'm in a little different situation in that I'm 37 y.o. and am fine allocating nearly everything to stocks at this point. In retrospect, I should have probably picked a slightly earlier target fund (which would have a higher % bond holding) since it appears I'll be doing almost all stocks...

 Forum: Personal Finance   Topic: fiancée student loan...

Posted: Wed May 02, 2012 2:17 pm 

Replies: 24
Views: 3603


If it's not doing anything except taking care of expenses and paying sub-market salaries with nothing left over at the end it is, by definition, not profitable.
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