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Viewing profile - kmull

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Joined: Thu Apr 05, 2007 5:20 am
Last visited: Fri Nov 13, 2009 8:02 am
Total posts: 513
[0.57% of all posts / 0.15 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 344 Posts / 67.06% of user’s posts ]
Most active topic: My goal: Positive cashflow, freedom from (most) debt.
[ 10 Posts / 1.95% of user’s posts ]



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Location: Birmingham, AL
Website: http://www.nodebtplan.net/


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kmull Posts

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 Forum: Personal Finance   Topic: Please help me . . don't know where to start.

Posted: Tue Nov 10, 2009 1:09 pm 

Replies: 37
Views: 7797

You need professional advice. Immediately. Basic budget issues can be solved here on the forum. This is not the case for you. Get help.

 Forum: Personal Finance   Topic: Disability Insurance Options

Posted: Tue Nov 10, 2009 7:30 am 

Replies: 1
Views: 1612

I tried doing a search, but you can't search just thread titles (at least not that I could figure out). I am looking for independent disability insurance options. I have an option tied to my employer, but it only covers my base pay. About 30-40% of my pay is commission and that isn't covered (at lea...

 Forum: Personal Finance   Topic: buying a house

Posted: Tue Sep 22, 2009 1:12 pm 

Replies: 18
Views: 4520

5 years is awfully close to the "not worth your time" time-frame. You will have paid nearly 100% interest with your payments, have no additional equity, and then have to pay 6% costs to a realtor (not to mention negotiated closing costs, improvements, etc.)

 Forum: General Discussion   Topic: Getting a job as a Financial Advisor

Posted: Tue Sep 22, 2009 1:11 pm 

Replies: 2
Views: 2757

I don't think I could do it. Basically, you'd be an insurance salesman, selling overpriced, fee-laden products. Since you'd be paid on commission, the incentive would be for you to sell the highest-priced products, which wouldn't necessarily (read: almost never) be the best fit for your clients. Th...

 Forum: Personal Finance   Topic: Living "Responsibly" is Impossible

Posted: Tue Sep 22, 2009 1:04 pm 

Replies: 94
Views: 22766

You are dissecting a large group of advice that is given usually in general chunks to a broad readership base. The first step before you do all of this is to determine what YOU want. How much money you want in your accounts when you retire, when you want to retire, what kind of lifestyle you want to...

 Forum: Personal Finance   Topic: Should I sell my TV & DVD player or hold onto them ?

Posted: Sat Jul 25, 2009 8:58 am 

Replies: 5
Views: 2543

How much could you get for them? Imagine someone walked up and said "I'll give you $400 for your TV and DVD player". How does that make you feel? Are you thinking, "I'm getting such a great deal!" or do you feel remorse? I'm thinking they have probably depreciated quite a bit and...

 Forum: Personal Finance   Topic: CD Advice

Posted: Tue Jul 07, 2009 7:28 am 

Replies: 2
Views: 1662

Savings comes down to this: can you absolutely do without the money? If so then look for a higher yield with a CD. If there is any chance that you need the liquidity of an online savings account, stick with ING. $5,000 @ 2.25%: $112.50 $5,000 @ 1.40%: $70 At the end of the day, not much difference. ...

 Forum: Personal Finance   Topic: So, people, how does your "investing" look now?

Posted: Tue Jul 07, 2009 7:20 am 

Replies: 26
Views: 4843

I'm sticking to my plan. I've got 30 years. We're maxing our Roth IRAs out with Vanguard Target Retirement 2050 (VFIFX) which is 10% bonds, 71% total stock market, 9.5% European stock market, 5% Pacific, and 3.55% Emerging markets. My 401k is 100% stocks to increase our overall allocation (due to ou...

 Forum: Personal Finance   Topic: I finally phoned an under-performing mutual fund manager!

Posted: Tue Jun 30, 2009 4:35 pm 

Replies: 8
Views: 2689

I also tend to stay away from managed funds aren't all funds by their nature "managed"? someone decides the composition and when to buy and sell in a fund Yes I think they all are but index funds are not "actively" managed funds so the fees are much lower. An index fund is only ...

 Forum: Personal Finance   Topic: Need some generic advice.

Posted: Tue Jun 30, 2009 2:03 pm 

Replies: 5
Views: 1997

1. The 0% gives you flexibility here. I would put extra money back into emergency savings (emergencies will happen, as you've discovered). 2. Then I would apply extra money toward my highest interest rate debt (credit cards, home, whatever). It wouldn't make sense to pay down the 0% offer because it...

 Forum: Personal Finance   Topic: I finally phoned an under-performing mutual fund manager!

Posted: Tue Jun 30, 2009 2:00 pm 

Replies: 8
Views: 2689

Surprised he picked up.

Not surprised he didn't have answers.

Salesmen, all of them. Stick with index funds.

 Forum: Personal Development   Topic: Laid Off

Posted: Mon Jun 22, 2009 2:14 pm 

Replies: 13
Views: 6802

Again, at this point (unemployment) the type of employment doesn't matter much. This is where life change hits you in the face. You need to get as many jobs (part time or whatever) as possible to increase your income and pay off your debt. Imagine if you were completely out of debt and lost your job...

 Forum: Personal Finance   Topic: How long would you lockin a 5% CD?

Posted: Mon Jun 22, 2009 2:12 pm 

Replies: 16
Views: 4898

The real answer: when do you need the money? ^ this Always. They pay the interest monthly. You need the money always? As in, you might need that money tomorrow? Then a CD is not for you. I'm thinking that is not what you meant, but I can't figure out what you meant. The interest, ideally, would be ...

 Forum: Personal Finance   Topic: Need your opinion about my savings

Posted: Wed Jun 17, 2009 4:51 am 

Replies: 8
Views: 3189

Woah slow down there bud. First: off to a great start. Congrats. Second: Why on earth would you ever want to consider buying a home when your rent PLUS bills is $330 per month? That is insanely low. Guessing you have roommates? Third: Knock out the student loan debt first. You don't mention how much...
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