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Viewing profile - RRGleason

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Joined: Wed Oct 01, 2008 5:43 am
Last visited: Mon Mar 30, 2015 5:45 am
Total posts: 11
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 9 Posts / 81.82% of user’s posts ]
Most active topic: Bonus money for opening a new checking account?
[ 2 Posts / 18.18% of user’s posts ]



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RRGleason Posts

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 Forum: Personal Finance   Topic: Bonus money for opening a new checking account?

Posted: Tue Apr 15, 2014 8:34 am 

Replies: 8
Views: 1706

Yes - I did make a mistake with the calculations. Opening it at 5 yrs, 9 months is still 4.2%, but opening it at 11 yrs, 9 months (with the $500 initial deposit and higher monthly deposit) will give an implied rate of 6.35%.

 Forum: Personal Finance   Topic: Bonus money for opening a new checking account?

Posted: Mon Apr 14, 2014 7:59 am 

Replies: 8
Views: 1706

Re: Citizens Bank… So I'd need to deposit 25 x 16 years or $400 to get the $1000 for kid #1. 25 x 18 years or $450 for kid #2… For another $1000. The issue is they don't have a branch in my area. So I'll have to see if I can do it online. |( According to their website, it's $25/month for 16 years, ...

 Forum: Personal Finance   Topic: Refinance 190K from 15Y @ 5% to 10Y @ 3% - Closing Costs 7K

Posted: Thu Mar 07, 2013 11:36 am 

Replies: 2
Views: 850

Yay math! Assumption: the payment for 190K for 12 years @ 5% is $1757/month. Option A: Pay an extra 7K to current mortgage, continue with scheduled payments afterwards. Months until paid: 137 (11 years, 5 months) Interest paid: $57,525 Option B: Refinance to 10 year @ 3%. New payment $1834/month. Mo...

 Forum: Personal Finance   Topic: How to calculate interest on a saving account

Posted: Tue Jul 24, 2012 1:14 pm 

Replies: 2
Views: 1033

Not quite sure I got it exactly right, but I'm getting 48,049. For excel, you need four columns: 1) Year (1, 2, 3, 4..... to 20) 2) Starting amount (0 in year 1, ending amount from previous year thereafter) 3) Deposit (1200 in year 1, 1.03*previous deposit thereafter) 4) Ending amount ((starting amo...

 Forum: Personal Finance   Topic: mortgage prepayment vs savings

Posted: Wed Dec 28, 2011 7:28 am 

Replies: 15
Views: 3504

My wife and I are going with a split strategy. I'm in a similar situation - married, combined income $70K. Our 30-year mortgage payment is about $350, and we put $500 extra per month. After that, we have about $300 a month that we put into savings. We can always decide later to put the extra money t...

 Forum: Personal Finance   Topic: Weird savings account APR

Posted: Tue Oct 06, 2009 5:28 am 

Replies: 1
Views: 990

It seems pretty simple to me - put $750 into that account, set up a $1/paycheck direct deposit, and collect the free $4.82 a month.

 Forum: Fiscal Fitness Journals   Topic: Ryan's journal

 Post subject: It's been too long...
Posted: Fri Aug 21, 2009 8:29 am 

Replies: 2
Views: 3454

OK - an update. I've adapted a lot of these goals due to circumstances. Personal issues ended up costing me $3000 around April, which set everything back a bit. Current standing: $4700 in EF/savings account $5600 in Roth IRA ($4200 invested - yay market rebound) $5700 in interest student loan debt $...

 Forum: Personal Finance   Topic: Using both 401k AND Roth IRA?

Posted: Thu Feb 12, 2009 11:46 am 

Replies: 11
Views: 3257

To sort of go along with that, what would everyone's opinions be on whether or not to pursue a traditional 401k or a Roth 401k, if both matched? I'm in a similar boat, where my job matches 6% - however, they will match, regardless of if it is in a traditional or a Roth. (The match goes to traditiona...

 Forum: Personal Finance   Topic: 2009 Goals

Posted: Fri Jan 02, 2009 9:03 pm 

Replies: 12
Views: 4034

My goals: 1) Pay off student debt ($13,500 - should be done in mid-December) 2) Fully fund Roth IRA ($5000) 3) Once the company match begins, fund 401k up to 6% match (starts in September - total $900 of mine = $1950 total investment) 4) Build $2500 emergency fund 5) Lose 40 pounds 6) Tithe off of m...

 Forum: Fiscal Fitness Journals   Topic: Ryan's journal

 Post subject: Ryan's journal
Posted: Thu Oct 02, 2008 7:49 am 

Replies: 2
Views: 3454

Financial goals: 1) Pay off car loan (DONE September 2008) 2) Establish Emergency Fund (Goal: March 2009) 3) Pay off interest student loans (Goal: September 2009) 4) Pay off interest-free student loans (Goal: December 2009) 5) Invest $5000 in an IRA account (Goal: December 2009) Emergency Fund Goal:...
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