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Viewing profile - nossorc

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nossorc
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Joined: Wed Nov 12, 2008 9:47 am
Last visited: Thu Jun 05, 2014 12:31 pm
Total posts: 172
[0.19% of all posts / 0.06 posts per day]
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Most active forum: Personal Finance
[ 115 Posts / 66.86% of user’s posts ]
Most active topic: The Journey
[ 27 Posts / 15.70% of user’s posts ]

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nossorc Posts

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 Forum: Fiscal Fitness Journals   Topic: The Journey

 Post subject: Re: The Journey
Posted: Tue May 06, 2014 2:05 pm 

Replies: 33
Views: 16678


Financial goals for 2014: Finish funding 2013 Roth: $4,000/$4,000 (100% complete) Fund 2014 Roth: $500/$5,500 (9% complete) Student loans under $20k: $5,971/$15,943 (37.5% complete, about 4% ahead of schedule still) Been a few months since the last update, but decent progress has been made. My stude...

 Forum: Personal Finance   Topic: Saving for Dream Home

 Post subject: Re: Saving for Dream Home
Posted: Fri Mar 07, 2014 8:54 am 

Replies: 19
Views: 3592


True you lose the equity built up, huge factor. I would just have a hard time taking a ~10% loss on my biggest asset. You sound like you basically have it all figured out...just wanted some other perspectives. I'm sure you'll be fine however you choose to handle the situation.

 Forum: Personal Finance   Topic: Saving for Dream Home

 Post subject: Re: Saving for Dream Home
Posted: Thu Mar 06, 2014 1:50 pm 

Replies: 19
Views: 3592


Don't see much of a problem with your plan if it is what you value. 300k mortgage on a 133k income is not much of a stretch at all. You are well set up financially and do not appear to have other debt. So many worry about being house poor and make saving for retirement such a high priority. It isn't...

 Forum: Personal Finance   Topic: Student Loan Repayment

 Post subject: Re: Student Loan Repayment
Posted: Tue Mar 04, 2014 7:21 pm 

Replies: 8
Views: 1539


if I'm not mistaken though, HELOC interest can be deducted up to a 100k loan vs. only $2,500 of interest on a student loan. In addition, the lets say ~$650 (2,500*.25) saved at tax time would be dwarfed but the ~3,800 (94,400 * .04) per year saved by consolidating at such a significantly lower inter...

 Forum: Personal Finance   Topic: Student Loan Repayment

 Post subject: Re: Student Loan Repayment
Posted: Tue Mar 04, 2014 3:29 pm 

Replies: 8
Views: 1539


to piggyback on what mholl said, if you have equity built up in those properties, you could take out a HELOC at a fixed rate at half as much as that 7.9% you're paying.

it's what I did...

 Forum: Personal Finance   Topic: Interested in Real Estate. Any suggestions?

Posted: Tue Mar 04, 2014 2:33 pm 

Replies: 6
Views: 919


I'm a huge proponent of real estate investing, but say that with caution. Much of the real estate business is trial by error. It is very important that the first property is a good deal, with good tenants and not too much out of the ordinary landlord work. If you get off to a bad start you not only ...

 Forum: Personal Finance   Topic: my husband thinks the stock market is a scam

Posted: Mon Feb 24, 2014 2:16 pm 

Replies: 40
Views: 4039


Hey! I read this today and immediately thought about this thread... have your husband read this...it is an incredible excerpt from a letter from Buffett to his shareholders that simply explains how simple the market can really be. I thoroughly enjoyed the read. http://finance.fortune.cnn.com/2014/02...

 Forum: Personal Finance   Topic: Where to Start?

 Post subject: Re: Where to Start?
Posted: Wed Feb 19, 2014 5:19 pm 

Replies: 11
Views: 1388


I believe just about everyone is going to tell you you are not acting grateful for this gift your parents are providing you. There should be no use of the credit card, no leisure activities and you should be working more to pay it off as quickly as you possibly can. Eating healthy can be just as che...

 Forum: Personal Finance   Topic: my husband thinks the stock market is a scam

Posted: Wed Feb 19, 2014 5:05 pm 

Replies: 40
Views: 4039


http://finance.fortune.cnn.com/2012/05/24/morgan-stanley-facebook-ipo-drop/

some of it was fees, not all of it.

 Forum: Personal Finance   Topic: my husband thinks the stock market is a scam

Posted: Wed Feb 19, 2014 3:03 pm 

Replies: 40
Views: 4039


the real money in the market is made by those that control it, majority holders, equity holders and the underwriters. I disagree. The real money in the market is made by the insurance companies, banks, brokerage houses, fund managers, and other actors who collect an array of fees and commissions of...

 Forum: Personal Finance   Topic: 29 yrs old -- Am I saving/investing wisely?

Posted: Tue Feb 18, 2014 1:36 pm 

Replies: 63
Views: 5950


I don't really know your background or family situation, but considering you are in fields where you can really work in any city in the entire country...I would work on relocating. To reach your goals, you will need much more free cash flow and increased savings. I make about what you and your wife ...

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

Posted: Tue Feb 18, 2014 12:43 pm 

Replies: 225
Views: 57414


August 2012 $53,455, another big month. Dec 11: 13,144/73,625 = 17.9% done Jan 12: 13,942/73,625 = 18.9% done (+1%) Feb 12: 14,608/73,625 = 19.84% done (+.94%) Mar 12: 15,380/73,625 = 20.89% done (+1.05%) Apr 12: 16,071/73,625 = 21.83% done (+.94%) May 12: 16,729/73,625 = 22.72% done (+.89%) Jun 12...

 Forum: Personal Finance   Topic: my husband thinks the stock market is a scam

Posted: Tue Feb 18, 2014 12:32 pm 

Replies: 40
Views: 4039


the real money in the market is made by those that control it, majority holders, equity holders and the underwriters. Small time investors have zero control over what goes on in the stock market. So in a sense...he is completely right. The market could flat line tomorrow...and those hurt the most wo...

 Forum: Fiscal Fitness Journals   Topic: The Journey

 Post subject: Re: The Journey
Posted: Fri Feb 07, 2014 2:21 pm 

Replies: 33
Views: 16678


Financial goals for 2014: Finish funding 2013 Roth: $4,000/$4,000 (100% complete) Fund 2014 Roth: $0/$5,500 (will not start this until later this year) Student loans under $20k: $1,973/$15,943 (12.37% complete, about 4% ahead of schedule) Shooting for a NetWorthIQ balance >50k. very good month, but...
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