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Viewing profile - akim1220

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akim1220
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Joined: Fri May 15, 2009 6:12 am
Last visited: Mon Aug 05, 2013 7:28 am
Total posts: 27
[0.03% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 27 Posts / 100.00% of user’s posts ]
Most active topic: Depositing large amounts of money into a bank account
[ 5 Posts / 18.52% of user’s posts ]

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akim1220 Posts

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 Forum: Personal Finance   Topic: Mortgage Application

 Post subject: Re: Mortgage Application
Posted: Sun Mar 17, 2013 4:44 pm 

Replies: 9
Views: 1327


You can always apply for a mortgage seperately. However, the State that the property is in will factor into whether or not the non applicant spouse's debts have to be counted against the applying spouse. http://en.wikipedia.org/wiki/Community_property If you are in a Community Property State, my un...

 Forum: Personal Finance   Topic: Mortgage Application

 Post subject: Mortgage Application
Posted: Wed Mar 13, 2013 12:53 pm 

Replies: 9
Views: 1327


My wife and I are planning to purchase our first home this summer when our lease ends in July. She is currently a student and will be graduating this spring/summer. She does not have a job lined up yet so should we add her to the loan applications or should I just put my name? How much will this eff...

 Forum: Personal Finance   Topic: How many saving accounts do you have?

Posted: Tue Jul 31, 2012 10:21 am 

Replies: 40
Views: 9958


Thanks for all the info. I am going to go ahead and go with my plan of opening savings accounts for each variable expense. I like to have things seperated and this way I won't be tempted to use the money if I had it all in one lump sum.

 Forum: Personal Finance   Topic: How many saving accounts do you have?

Posted: Mon Jul 30, 2012 12:41 pm 

Replies: 40
Views: 9958


The wife and I created our budget a couple months ago and have been tracking all of our savings & expenses. One idea we threw around is opening up savings or mma for the different expense/emergency categories. How many savings accounts do you have? How do you organize or keep track of budges for...

 Forum: Personal Finance   Topic: Refinancing an Auto Loan

 Post subject: Refinancing an Auto Loan
Posted: Fri May 25, 2012 7:07 am 

Replies: 1
Views: 1031


I have been trying to cut expenses wherever I can and feel like maybe I can refinance my auto loan to pay less interest. I have about $16k remaining on my loan at a rate of 5.49%. Monthly payments are $411.89 but dropped over the past 3 months to $355.67 since I have been paying more than the montly...

 Forum: Personal Finance   Topic: Personal Finance Software

 Post subject: Personal Finance Software
Posted: Sun Nov 06, 2011 5:46 pm 

Replies: 6
Views: 2381


So my wife and I have been trying to keep an organized monthly expense record and still trying to work out a system. I have been trying to use Excel but thinking about finding software (hopefully free) to make it a little easier. Curious to see how you or your family keep track of expenses.

 Forum: Personal Finance   Topic: Continue to invest in Roth?

Posted: Tue Nov 01, 2011 8:12 am 

Replies: 25
Views: 3925


You're all wrong. There's only one location for proper retirement savings: http://theinfluentials.files.wordpress.com/2011/06/money-under-the-mattress.jpg :twisted: That looks like back pain and headaches waiting to happen. I think that depends on which way you decide to put your head.

 Forum: Personal Finance   Topic: Continue to invest in Roth?

Posted: Fri Oct 21, 2011 12:51 pm 

Replies: 25
Views: 3925


One thing I learned to do is not think about my roth as a way of making money and just unconsciously put money into it. Think of it as a long term investment. I was in the same position as you Gabby (probably still am) and I would look at my investment everyday to see if it went up or down. This pre...

 Forum: Personal Finance   Topic: Continue to invest in Roth?

Posted: Mon Sep 26, 2011 7:22 pm 

Replies: 25
Views: 3925


Thanks guys. I guess as my first real investment I was hoping to see green and not red. But definitely makes sense that it's more of a bargain to buy now.

 Forum: Personal Finance   Topic: Continue to invest in Roth?

 Post subject: Continue to invest in Roth?
Posted: Mon Sep 26, 2011 8:03 am 

Replies: 25
Views: 3925


I opened up a Roth IRA with Vanguard (Target Date 2050) not too long ago and continues to be in the red. I understand with the way the economy is that this is not surprising. My question is should I continue to put money into it or wait until we see some upside? Should I save the money I would be pu...

 Forum: Personal Finance   Topic: Getting your spouse/significant other on the same page

Posted: Tue Aug 02, 2011 12:03 pm 

Replies: 5
Views: 1141


I came up with a penalty/reward system for leisurely spending to help with my wife's spending habits. She is a good shopper in the sense that she will only buy things on sale but that can still add up. So we have both agreed to deposit 25% of our leisurely spending into our savings. This helped her ...

 Forum: Personal Finance   Topic: 401(k) Question

 Post subject: 401(k) Question
Posted: Tue Aug 02, 2011 11:06 am 

Replies: 5
Views: 881


My wife is now eligible for her companies 401(k) plan with Charles Schwab but before investing I had some questions that I am hoping the members on this forum can answer. She and I are both new to retirement investing. 1) The investments she can choose from are all Vanguard funds plus a Charles Schw...

 Forum: Personal Finance   Topic: Retirement Fund

 Post subject: Re: Retirement Fund
Posted: Mon May 16, 2011 9:10 am 

Replies: 14
Views: 1907


I wouldn't have a problem putting both with Vanguard but that's a personal decision IMO. But Vanguard is in the top tier of mutual fund companies so I wouldn't feel nervous about their future. How about the same target retirement fund? Wife and I are both the same age. Still personal preference or ...

 Forum: Personal Finance   Topic: Retirement Fund

 Post subject: Re: Retirement Fund
Posted: Wed May 11, 2011 11:00 am 

Replies: 14
Views: 1907


Thanks guys for the help and advice. One more question, I just found out that Vanguard brought the minimum amount to open an account to $1k down from $3k. My wife is pretty much in the same boat as I am as far as retirement goes (still a student). I will have enough to open an account for her and my...
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