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Viewing profile - Jana

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Jana
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Joined: Sat Feb 14, 2009 11:50 am
Last visited: -
Total posts: 83
[0.09% of all posts / 0.03 posts per day]
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Most active forum: Personal Finance
[ 68 Posts / 81.93% of user’s posts ]
Most active topic: Choosing between 2 medical plans offered by my employer
[ 3 Posts / 3.61% of user’s posts ]

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Jana Posts

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 Forum: Personal Finance   Topic: credit card advice

 Post subject: Re: credit card advice
Posted: Sat Aug 21, 2010 8:41 pm 

Replies: 10
Views: 4050


I would keep the old card so that you would have 2 cards. You don't even have to keep using the old card, just keep it open. I have 2 cards, but only use 1 as my main card and the other is there as a backup and to keep my credit history and credit limit intact. I feel safer having more than 1 card b...

 Forum: Personal Finance   Topic: Vanguard rollover from 403b - any experience with this?

Posted: Fri Jul 09, 2010 6:51 pm 

Replies: 2
Views: 983


Thanks, I decided to do just that and I'm glad I did! It took almost an hour on the phone and the process is still annoying (too much mailing things back and forth and I have to get a signature from my old employer from 5 years ago) but Vanguard really helped and explained all the steps to me and sp...

 Forum: Personal Finance   Topic: Vanguard rollover from 403b - any experience with this?

Posted: Sun Jul 04, 2010 10:05 pm 

Replies: 2
Views: 983


I have an old 403b though VALIC that I just never did anything with (though I kept meaning to, of course) and now I've received a letter saying they are going to liquidate my account and send me a check unless I arrange for a rollover/transfer. There is less than $1000 in the 403b because I had only...

 Forum: Personal Finance   Topic: NEED ADVICE ASAP!!!

 Post subject: Re: NEED ADVICE ASAP!!!
Posted: Sun Jun 06, 2010 6:41 pm 

Replies: 6
Views: 1993


If this is the only opportunity to interact with this business pioneer and if the experience would help me improve my business and therefore bring in more money, then I would do it. Afterward I would immediately start rebuilding my savings account, so start cutting your spending NOW so that you can ...

 Forum: Personal Finance   Topic: Needs some quick ideas on handling in-laws...

Posted: Sun May 23, 2010 3:58 pm 

Replies: 24
Views: 6623


Just flat out tell them that you guys are on a budget and are trying to get out of debt, you don't have money to eat out. If they give you guilt for it, shame on them. I completely agree with this. Frankly, it's very inconsiderate of them just assume you will join them in expensive activities like ...

 Forum: Personal Finance   Topic: need help with Roth IRA

 Post subject: Re: need help with Roth IRA
Posted: Thu May 06, 2010 3:50 pm 

Replies: 17
Views: 5675


I have my IRA in Vanguard Target Retirement 2045, and I like it, no problems so far. I wanted to invest in a diversified fund-of-funds instead of holding several individual funds, and I didn't want to have to rebalance my portfolio all the time, so this was the right fit for me. Just my two cents......

 Forum: Personal Finance   Topic: Lifecycle fund vs index fund

Posted: Thu May 06, 2010 3:43 pm 

Replies: 15
Views: 8554


Oh I wasn't confused, I was responding to the OP who seemed confused and didn't seem to understand the funds being discussed. I was just offering the OP an example of a lifecycle fund that is made up of index funds since the OP was talking like they were mutually exclusive, but they're not.

 Forum: Personal Finance   Topic: Renter's insurance question

Posted: Thu May 06, 2010 9:33 am 

Replies: 14
Views: 1952


Sounds like a bad idea to me, both the insurance issue and the landlord wanting to enter the unit anytime she wants without notice. But if you're stuck with this place for now, I guess go ahead with it for the year or whatever the lease term is, then once you're in town you can begin to look for oth...

 Forum: General Discussion   Topic: Who cares about garbage in landfills?

Posted: Wed May 05, 2010 9:53 pm 

Replies: 19
Views: 6799


To all interested in the topic, I recommend the book "Garbage Land" by Elizabeth Royte. It's an informative and entertaining read, and it did make me think about all the garbage we produce.

 Forum: Personal Finance   Topic: Lifecycle fund vs index fund

Posted: Wed May 05, 2010 7:32 pm 

Replies: 15
Views: 8554


The question is confusing, because you can invest in a lifecycle fund that is composed entirely of index funds. You don't have to choose between lifecycle and index, you can have both! The "opposite" of index fund is actively-managed fund. You chose a lifecycle fund that has more actively-...

 Forum: Personal Finance   Topic: First Car...BMW M3?

 Post subject: Re: First Car...BMW M3?
Posted: Wed May 05, 2010 7:03 pm 

Replies: 14
Views: 2091


Do you have any money in savings? I wouldn't even consider buying a car that expensive until you have a decent amount in savings. Just as an example, you could put $10K of your windfall in savings, $10K in your "car fund," and after you graduate and start working, start saving an additiona...

 Forum: Personal Finance   Topic: Is it ok to base a decision to marry on finances?

Posted: Wed May 05, 2010 6:46 pm 

Replies: 39
Views: 6123


If it was $80K in credit card debt that would be a big, big red flag, but since it's student loans, that's different and it doesn't necessarily mean she's bad with finances or that she would spend all your money if you got married. Since you're not in a rush to get married, I would just see how it g...

 Forum: Personal Finance   Topic: Tips on Moving

 Post subject: Re: Tips on Moving
Posted: Mon May 03, 2010 8:22 pm 

Replies: 18
Views: 4767


We got a rate that was $15/hour cheaper by moving on a Monday (everyone wants to move on a weekend). Thanks for this advice, I hadn't thought about them charging more on weekends, though of course it makes sense now that you mention it! I was going to take a Friday off work for the move but maybe I...

 Forum: Personal Finance   Topic: Advice for First Job Appreciated

Posted: Mon May 03, 2010 8:13 pm 

Replies: 9
Views: 1961


You're off to a great start, and this time in life is really exciting! My general recommendation is to watch your spending very closely at the beginning. You said you've been living frugal as a student, so you've already good at this and should keep it up. It can be tempting to see those first few p...
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