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Viewing profile - jac

Board presence

User statistics

Joined: Wed May 02, 2007 6:52 am
Last visited: Thu Feb 07, 2013 1:31 am
Total posts: 168
[0.19% of all posts / 0.05 posts per day]
Search user’s posts
Most active forum: Personal Finance
[ 80 Posts / 47.62% of user’s posts ]
Most active topic: 2009: New job, new country, new everything
[ 27 Posts / 16.07% of user’s posts ]



E-mail address:
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Location: Seattle
Occupation: student
Interests: travel

jac Posts

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 Forum: Personal Finance   Topic: New Grad: Am I Living Beyond My Means?

Posted: Tue Oct 16, 2012 2:02 am 

Replies: 27
Views: 3621

Unless you have something that is truly insurable, I would skip the renter's insurance. I would never, ever skip the renter's insurance. I'd consider being unable to afford insurance a giant warning that I was totally over my head. I have paid renter's insurance since I left home almost 10 years ag...

 Forum: Personal Finance   Topic: College Student - Special Situation

Posted: Fri Sep 28, 2012 5:32 am 

Replies: 18
Views: 2808

I didn't even know that there existed full-ride ROTC programs that didn't require full time service afterwards, I hope you've double checked everything. But if you're not planning on going in to the Army when you graduate, you'll have a whole lot of expenses: finding an apartment to rent, putting do...

 Forum: Fiscal Fitness Journals   Topic: Recommiting to the snowball

Posted: Tue Mar 30, 2010 12:36 am 

Replies: 4
Views: 1883

So did you get that first credit card paid off?

 Forum: Personal Finance   Topic: Just started my first IRA and need some advice...

Posted: Sun Feb 21, 2010 11:30 pm 

Replies: 13
Views: 2172

No, you definitely shouldn't just 'withdraw' the money from your IRA. You won't pay any penalty for taking it out, but you also may not be allowed to redeposit it into a Vanguard Roth. (There is a difference between withdrawing and transferring the money). Vanguard should be able to tell you exactly...

 Forum: Fiscal Fitness Journals   Topic: 2009: New job, new country, new everything

Posted: Sun Feb 14, 2010 10:59 pm 

Replies: 35
Views: 15508

roth IRA 2009: funded
roth IRA 2010: 0 / 5000
fhsa $500 / 1800
eff $500 / 5000
toy+travel fund 0 /4000
cc 0/800

---feb: ira 09 done, cc +800=done, fhsa +300.
---march: +1000 fhsa=done, 500 eff, 500 mediocre?
---april: send fhsa money.

 Forum: Fiscal Fitness Journals   Topic: 2009: New job, new country, new everything

Posted: Sat Dec 19, 2009 3:52 pm 

Replies: 35
Views: 15508

EFF: 2K (40%) fhsa fund: done give: done Roth IRA: 2K (40%) So, I think I can get both of these last two done by April. I should also aim to transfer the FHSA money back to Australia by then, I think - the AUD has dipped below 90c again, hopefully that is a sign that we're over a peak and it'll keep...

 Forum: Personal Finance   Topic: An older article, but interesting to read

Posted: Thu Dec 17, 2009 4:47 pm 

Replies: 31
Views: 4475

Brenda: I understand how that may seem like a lot to you but $200000 income is not super rich. Remember that the government takes about half of it after all the taxes. Actually, tax calculators generally estimate that around 30% of 200,000 would go in taxes (state, sales, etc included). It's not 'y...

 Forum: Personal Finance   Topic: An older article, but interesting to read

Posted: Mon Dec 14, 2009 10:18 pm 

Replies: 31
Views: 4475

Reading that first article was fascinating, especially this quote on wedding planners that I'd never considered
"And because planners, unlike brides, are repeat customers, they merit favors: A photographer might throw in a few extra prints, a caterer might upgrade from cheddar to Brie."

 Forum: Personal Finance   Topic: I'm 23 and completely financially lost

Posted: Wed Dec 09, 2009 1:18 am 

Replies: 2
Views: 1288

-health insurance seems like a priority for you. I would definitely not quit your job until you have replacement insurance lined up, and it will be hard to find any. Can't hurt to look into it though. If the new healthcare bill passes it is supposed to make it easier for pre-existing conditions next...

 Forum: Personal Finance   Topic: I need help planning my saving startegy

Posted: Tue Nov 24, 2009 2:49 pm 

Replies: 41
Views: 5817

Personally, I didn't advise cutting down the travel because I would do exactly the same thing- for instance, my family all lives far away from me, and did when I was a student as well, so I alwasy spent the money to travel back home frequently. She's not creating more debt by travelling, she's just ...

 Forum: Personal Finance   Topic: I need help planning my saving startegy

Posted: Tue Nov 24, 2009 2:43 pm 

Replies: 41
Views: 5817

Hello, This is my first post and I need a little direction with what I should be doing with my money. I want to make paying off my debt a priority but I also want to plan for upcoming expense. I have $8900 in CC debt at 7.9% APR. My upcoming expenses are: Trip in December $600 Trip in February $500...

 Forum: Personal Finance   Topic: I need help planning my saving startegy

Posted: Thu Nov 19, 2009 12:23 pm 

Replies: 41
Views: 5817

Then of course you have to consider the job security (teachers never have to worry about being laid off), the generous benefits, the defined-benefit pension plans that nobody in the real (read: non-government) world offers any more, the guaranteed salary increases every year, and last but not least...

 Forum: Fiscal Fitness Journals   Topic: Approaching the summit - paying off CC debt

Posted: Thu Nov 19, 2009 12:08 pm 

Replies: 10
Views: 3064

New to the boards, and really need some pep talks and team support here. I had made the mistake of taking out a 401k loan many years back, and currently the balance on it is around $1800.00, I pay $90 per paycheck and am on track to have it paid off around August of 2010. My car will be paid off in...

 Forum: Fiscal Fitness Journals   Topic: Cranky's attempt at a budget/introduction

Posted: Wed Nov 18, 2009 12:14 pm 

Replies: 85
Views: 30791

CrankyBolt wrote:
I guess every month I'll post an update on where we stand with those things, It should help me keep track of things much easier.

How's that going? :p
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