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It is currently Fri Sep 30, 2016 9:58 pm



Viewing profile - DoingHomework

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DoingHomework
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Joined: Wed Sep 23, 2009 9:01 am
Last visited: Sat Sep 24, 2016 11:04 am
Total posts: 5577
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 Forum: Personal Finance   Topic: Debt, lots of it and need some advice

Posted: Fri Sep 09, 2016 12:01 pm 

Replies: 18
Views: 569


The life insurance immediately stuck out to me as well. Why do you need it? Otherwise, your situation seems manageable. You make good money, have a reasonable mortgage, and your CC debt, while it seems high to many, is not outrageous given your means. Come up with a plan to free up the cash to pay i...

 Forum: General Discussion   Topic: Where did my previous post go and why was it removed?

Posted: Sat Aug 27, 2016 12:33 pm 

Replies: 3
Views: 628


I just don't remember what I typed lol. I guess it must have been an important, long term question that you have researched extensively on your own. What do you expect from newcomer posts anyway. Read the recent posts. Get a sense for the types of questions that are asked and the responses. Read en...

 Forum: Personal Finance   Topic: Long Term Financials (Loan Options)

Posted: Sat Jul 16, 2016 11:47 am 

Replies: 4
Views: 442


While you should be commended for thinking this through and planning well, you are overthinking it in this case. Banks and credit unions are businesses. They don't care about the relationship. They care about the fees they get from you. Of course they would love to have a relationship with you if th...

 Forum: Personal Finance   Topic: My Investiments & Thought Process Behind it-Feedback Welcome

Posted: Mon Jul 04, 2016 5:37 pm 

Replies: 12
Views: 1344


You asked for feedback:

It's pretty hard to take someone seriously when they suggest annuities without specifying which type. Most annuities are a terrible idea for most people.

Much of the rest of your post could states the obvious and could be condensed to a far shorter post.

 Forum: Personal Finance   Topic: Early Retirement Planning - All feedback welcome

Posted: Sat Jun 04, 2016 8:14 pm 

Replies: 8
Views: 983


I suggest you come up with a plan for the years between 55 and tapping your tax deferred assets. In my opinion the online tools and many financial advisors do a spectacularly crappy job of dealing with early retirement. To make it happen you need to hunker down and learn to do it yourself. Be carefu...

 Forum: General Discussion   Topic: Who plans on working past FI/RE?

Posted: Sat Jun 04, 2016 6:19 pm 

Replies: 5
Views: 1613


You're not married are you LMoot? I like my job. I could quit tomorrow if I wanted to. I actually planned to stop working about now and have reached the point financially where I can. But I took on a new challenge a couple of years ago and want to see that through. After that, whether I continue to ...

 Forum: Personal Finance   Topic: Need investment advice - $200k

Posted: Thu Jun 02, 2016 8:44 am 

Replies: 23
Views: 8504


Does anyone else concur with this? Everyone seems to say (to me/general research) that paying off a low-interest mortgage early is not the best use of my money since the minimum potential annual return on investing is at least 6%, while my mortgage is costing me 4% (thus I'm at least 2% better off ...

 Forum: Personal Finance   Topic: YNAB vs. QB vs. Envelopes for Budget and Accountability

Posted: Sun May 29, 2016 8:04 pm 

Replies: 11
Views: 3927


Since you are already a QB user I would recommend Quicken... I agree, and I love Quicken. But Intuit has put Quicken up for sale and so far there seem to be no buyers stepping forward. That suggests to me that they might just stop supporting the product soon. Just don't be surprised if it's no long...

 Forum: Personal Finance   Topic: How to leave a mortgage contract when you're in negative equ

Posted: Sun May 29, 2016 6:21 pm 

Replies: 5
Views: 1086


My partner has a mortgage that she took out when she was in a high-income job three years ago. But she became disabled and can no longer work - yet she still has to pay the mortgage. Unfortunately house prices have dropped and selling it would put her in negative equity. Is there anywhere she could...

 Forum: Personal Finance   Topic: Numbers on a Different House

Posted: Sun May 22, 2016 7:35 pm 

Replies: 20
Views: 2205


I was in escrow for a condo that my landlord was going to sell me but it fell through. I found a cute house 2 miles from the beach that could serve my needs but it has a lot of people looking at it and competition is super stiff. I would have to bid $515k and put $15k of renovations to make it half...

 Forum: Personal Finance   Topic: Critique my portfolio?

 Post subject: Re: Critique my portfolio?
Posted: Sat May 21, 2016 8:31 pm 

Replies: 8
Views: 1023


What exactly is Wealthfront? It seems to be an investment company. It would be helpful to know what the underlying investments are. If, as I suspect, it is a roboadvisor, that may be fine but you should know what you are invested in. I would personally not be happy with money in Lending Club. There ...

 Forum: General Discussion   Topic: Minimum wage hike to $15

Posted: Sat May 21, 2016 12:44 pm 

Replies: 21
Views: 4895


I see the seeds of a revolution there... Think Baltimore which in my opinion was not about the police - the root causes were poverty, poor education and a culture bent on self destruction. $3 an hour won't solve those. Wealth disparity, while we can argue about the causes, justice, and so forth, ha...

 Forum: Personal Finance   Topic: Auto loan help: Bank or Credit Union?

Posted: Wed May 18, 2016 8:10 am 

Replies: 7
Views: 1932


A lot depends on how good your sister's credit is. And don't discount what the dealer may have to offer. For example, Honda is offering 0.9% APR for 24-36 months to qualified buyers on certain models. In some cases, they'll even give a discount of $500 off the car if you take a loan with them. But ...

 Forum: Personal Finance   Topic: how to calculate your tax bracket at retirement?

Posted: Tue May 17, 2016 8:13 am 

Replies: 12
Views: 2668


Money out of your 401K will be considered earned income if it is tax deferred (e.g. traditional). Money taken as rent is taxed as earned income. No and no. 401(k) withdrawals are not earned income and are not subject to social security taxes. Rent is passive income and is not earned income and is n...
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