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Viewing profile - PawPrint53

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PawPrint53
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Joined: Thu Feb 19, 2009 7:04 pm
Last visited: Wed Feb 20, 2013 12:05 pm
Total posts: 19
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 18 Posts / 94.74% of user’s posts ]
Most active topic: Facing Layoffs--Any Advice?
[ 3 Posts / 15.79% of user’s posts ]

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PawPrint53 Posts

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 Forum: Personal Finance   Topic: Selling a Home on Contract

 Post subject: Selling a Home on Contract
Posted: Sun Feb 17, 2013 3:23 pm 

Replies: 2
Views: 874


I'm curious if anyone has ever done this and if it worked out or not. I have a mortgage on my house, and I plan to keep paying the mortgage and taxes, having the buyer pay me, and putting in a balloon payment in five years. He'd name me as an additional insured on his homeowner's policy. In the inte...

 Forum: Personal Finance   Topic: Retirement plans for self-employed?

Posted: Wed Jul 11, 2012 9:04 am 

Replies: 3
Views: 2488


My DH may become an independent contractor once he leaves his corporate job. So he'll be getting 1099s from various companies if he decides to go this way. I'm curious what kind of retirement plan is available for people who are independent contractors. Is that considered self-employment even though...

 Forum: Personal Finance   Topic: Refinancing: Nobody Wants My Loan

Posted: Fri Jun 08, 2012 11:22 am 

Replies: 6
Views: 1921


Thanks for the suggestions! Our credit scores are in the 800s, and mortgage debt is all we have on a six figure income so it's definitely the low loan amount. I always forget the credit union, even though we've been a member for years.

 Forum: Personal Finance   Topic: Refinancing: Nobody Wants My Loan

Posted: Wed Jun 06, 2012 12:29 pm 

Replies: 6
Views: 1921


I was hoping to lower the interest rates on my two home loans (rental and primary). The rental balance is so low that BofA (bought the original loan) will charge a 2% fee. The mortgage guy said there hasn't been a secondary market for small loans for the last 18 months. I checked out the zillow.com ...

 Forum: Personal Development   Topic: Getting a new job at age 61--is it possible?

Posted: Fri Jun 01, 2012 8:27 am 

Replies: 4
Views: 3576


My software developer husband is considering taking an early retirement package that puts 14 months of his base pay into his pension and allows medical coverage at active employee rate for 2 years and retiree rate thereafter. We can live for at least a year, possibly more off savings. We could also ...

 Forum: Personal Finance   Topic: Facing Layoffs--Any Advice?

Posted: Sat May 26, 2012 11:02 am 

Replies: 8
Views: 1781


Thank you. I did go to that website and see the post by the person who works for the same co.

 Forum: Personal Finance   Topic: Facing Layoffs--Any Advice?

Posted: Fri May 25, 2012 9:19 am 

Replies: 8
Views: 1781


To answer some questions: What sources of income do you have? Without a paycheck, we have Social Security for me, rental income = $1575 What are your expenses? About $3,500, although we can reduce that How much savings do you have? Non retirement of about $95K Will your husband be getting any kind o...

 Forum: Personal Finance   Topic: Facing Layoffs--Any Advice?

 Post subject: Facing Layoffs--Any Advice?
Posted: Wed May 23, 2012 2:10 pm 

Replies: 8
Views: 1781


My DH is facing taking early retirement aka a layoff, although we won't know for sure for a while, and he's managed to dodge several in the past 23 years with the same company. He's 61 and although articles we've read said companies are looking for software engineers, I'm betting they're not looking...

 Forum: Personal Finance   Topic: In-service 401(k) rollover to IRA a good idea?

Posted: Mon Nov 14, 2011 5:34 pm 

Replies: 1
Views: 902


We met with our credit union financial planner today, and he suggested an in-service rollover of my husband's 401(k) because the company has reduced the number of options in the plan to growth funds. I didn't realize you could take your 401(k) money out when you are 59.5 and roll it into an IRA whil...

 Forum: Personal Finance   Topic: Why contribute to 401(k) only up to the match?

Posted: Thu Sep 08, 2011 10:41 am 

Replies: 4
Views: 1172


I heard a financial person say that you should only contribute up to the match (Roth and traditional 401k) and then put any extra money into an emergency fund, fund a Roth IRA pay off debt, etc. If you have no debt other than mortgage debt and already fund a Roth to the max, should you still only co...

 Forum: Personal Finance   Topic: Would you buy silver?

 Post subject: Would you buy silver?
Posted: Tue Aug 23, 2011 9:07 pm 

Replies: 10
Views: 2750


My friend is thinking about buying silver as an investment. She said she talked to her broker who thinks that silver is going to go up in the next two years. I'm just curious what people think about silver being a good investment in general and a good investment for this particular person. Just a fe...

 Forum: Personal Finance   Topic: how do I decide whether to sell house vs. renting it out

Posted: Tue Aug 23, 2011 9:00 pm 

Replies: 8
Views: 1514


One other thing you might think about is the possibility of tenants wrecking your house. Tenants sometimes do not treat a rental house the same as they would their own house. I rented my house in another state (using a property management company--I never considered being a landlord from afar), and,...

 Forum: Personal Finance   Topic: Pay off mortgage or $ in a Roth as you near retirement?

Posted: Sat May 08, 2010 8:04 am 

Replies: 3
Views: 970


I'd like to be debt free by the time we retire in 8 years. The only debt we have is our mortgage. We've been maxing out a 401(k) and two Roth IRAs (including catch-up contributions). I wonder if I should quit contributing to one of the Roths and put that toward the mortgage.

Thank you.

 Forum: Personal Finance   Topic: Remodel or not?

 Post subject: Remodel or not?
Posted: Fri Jul 10, 2009 1:14 pm 

Replies: 2
Views: 880


We bought a house last September in the town where my husband works, turning the house we were living in into a rental. We plan on moving back to the rental in 8 years when my husband retires at 66. The house we're living in has a kitchen that I'm not thrilled with--the stove should be where the ref...
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