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It is currently Mon Feb 08, 2016 3:18 am



Viewing profile - Sam

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Sam
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Joined: Sun Apr 29, 2007 8:11 am
Last visited: -
Total posts: 1106
[1.26% of all posts / 0.34 posts per day]
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Most active forum: Personal Finance
[ 530 Posts / 47.92% of user’s posts ]
Most active topic: $55,537 in unsecured debt - now down to $0!!!!!!!!!
[ 113 Posts / 10.22% of user’s posts ]

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Sam

http://adventures-of-sam.blogspot.com
(Follow Sam's financial and real estate adventures.)

Sam Posts

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 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Thu Dec 03, 2015 2:44 pm 

Replies: 239
Views: 87486


One of my wise elders has been counseling us that we need to be putting money into a regular brokerage fund, not just our tax advantaged 401ks and IRAs. We did do a small brokerage fund for a couple of years but eventually spent the money on other priorities. We need to get back to this goal as well...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: 2016 planning
Posted: Thu Dec 03, 2015 11:28 am 

Replies: 71
Views: 38246


Trying to get ahead of 2016 (since we were so far behind on 2015 due to new baby). Tentative goals: (1) Max out 401k for each of us, the limits have not changes so that is $18,000 for each of us for a total of $36,000. Automatic payroll debits are in place, will just need to check them in Jan. (2) F...

 Forum: Fiscal Fitness Journals   Topic: Payoff Home or Wait!

 Post subject: Re: Payoff Home or Wait!
Posted: Tue Dec 01, 2015 11:03 am 

Replies: 3
Views: 3154


I'd say depends on what your interest rate is on the mortgage. We were paying ahead on our mortgage for many years, but then a couple of years ago refinanced to a 2.75 rate and cut off 7 years of the term. Since then we really have not paid extra on the mortgage (prioritizing other goals) but with t...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: December update
Posted: Tue Dec 01, 2015 10:35 am 

Replies: 71
Views: 38246


Did a long post on our 2015 savings and debt killing goals over on my blog. http://adventures-of-sam.blogspot.com/2015/12/end-of-year-updates.html 2015 was not a banner year for us as far as finances (it was in almost every other way, hence the lack of financial focus), but still did pretty good. St...

 Forum: Personal Finance   Topic: why I am a landlord...

 Post subject: Re: why I am a landlord...
Posted: Tue Sep 22, 2015 7:55 am 

Replies: 12
Views: 5542


There are pros and cons to being a landlord, just like there are pros and cons to owning other investments. We have three investment properties and a plot of undeveloped land. On the plus side, the tenants help to pay or do pay for the investment. That is the big positive. Real estate can also provi...

 Forum: Fiscal Fitness Journals   Topic: Apples Student Loans Payoff

Posted: Fri Aug 14, 2015 12:02 pm 

Replies: 83
Views: 31928


Congrats Apples, in 2007 (our first year of marriage) we paid off $55,000+ in unsecured debt. About half of that was Mr. Sam's MBA student loan debt. There is a thread here on that paydown. I can tell you that tackling that debt killing together our first year, was a great way to get on track with a...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

Posted: Fri Aug 14, 2015 11:56 am 

Replies: 71
Views: 38246


This is just our savings efforts, will post debt killing efforts later (can't update at present b/c I'm missing a chart). (1) Max out 401ks: $22,852 (Goal $36,000). 63% (2) Max out IRAs: $2,104 (Goal $11,000). 19% (3) College fund for Baby Sam: $2622 (Goal $5,000). 52% (4) Add to emergency fund: $6,...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

 Post subject: 2015 Savings goals
Posted: Tue May 19, 2015 11:11 am 

Replies: 71
Views: 38246


(1) Max out 401ks: $14,427 (Goal $36,000). (2) Max out IRAs: $2,100 (Goal $11,000). (3) College fund for Baby Sam: $2200 (Goal $5,000). (4) Add to emergency fund: $4,000 (Goal $10,000) (4) Pay off baby debt: $4122 , current balance $2888 (Goal $0, started with $7000). (5) Pay off Mr. Sam's truck loa...

 Forum: Fiscal Fitness Journals   Topic: Lanthiriel's 2013 Fitness Journal

Posted: Fri Apr 10, 2015 7:08 am 

Replies: 91
Views: 43648


I never wanted kids until, drum roll, I did. Mr. Sam has always been ambivalent and I have always been focused on my career. We spent a lot of time in school, got married late, enjoyed our dual income, no kids (DINKs) lifestyle, doted on my nephew, niece, god-daughter and her sister, etc. Then one d...

 Forum: Fiscal Fitness Journals   Topic: Kelsee's Financial Goals

Posted: Tue Apr 07, 2015 8:40 am 

Replies: 158
Views: 38871


Next on the to do list is to work on trim. But we no longer have a miter saw, and don't know anyone who has one we could borrow. Arg. Looks like I will have to buy one. Hopefully a used on. It's holding up progress. If you just have one project, see if you can rent a miter saw. We have an Ace Hardw...

 Forum: Fiscal Fitness Journals   Topic: Sam's 2014 Savings Goals

Posted: Fri Mar 27, 2015 6:40 am 

Replies: 71
Views: 38246


Just wanted to pop in and say congratulations to the addition to your family! How exciting! Some things are more important than money. I enjoy reading about your progress, you both seem to work together as a team, but also take time to smell the roses. Thanks PG. We have been smelling roses for the...

 Forum: Fiscal Fitness Journals   Topic: Lanthiriel's 2013 Fitness Journal

Posted: Thu Mar 26, 2015 7:39 am 

Replies: 91
Views: 43648


Buying a house if your stable is often a positive fiscal move. Even if you don't make a big profit when you sell, you often come out ahead because you are paying yourself instead of a landlord. Curious as to why you used your IRAs rather than taking a conventional loan. Why would you go with a 15% t...

 Forum: Personal Finance   Topic: [LIFE INSURANCE] Should I get it?

Posted: Mon Mar 23, 2015 9:30 am 

Replies: 16
Views: 3642


Well, anyway, I guess you should invest on the high rate insurance as it guarantees a high return! You can actually start purchasing now. Here’s a tip, never get an umbrella insurance and credit card fraud insurance! (Search and read "3 Types of Insurance You Need – And 3 You Don't" on US...

 Forum: Personal Finance   Topic: [LIFE INSURANCE] Should I get it?

Posted: Mon Mar 23, 2015 9:24 am 

Replies: 16
Views: 3642


Term life insurance does get more expensive as you age and certainly costs more if you end up with a health issue. So, it will cost less to get now vs. later. Most people advise that you don't need life insurance unless you have kids. But most people want to leave their spouse better off if they die...
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