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It is currently Sat Apr 30, 2016 11:50 am



Viewing profile - DoingHomework

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DoingHomework
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Joined: Wed Sep 23, 2009 9:01 am
Last visited: Sun Apr 24, 2016 2:32 am
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 Forum: Personal Finance   Topic: Found a house... do I overthink or try to act quick?

Posted: Sat Apr 16, 2016 12:41 pm 

Replies: 18
Views: 1354


"You get to deduct the expenses arising from your rental activity. There is one big difference however: You must divide certain expenses between the part of the property you rent out and the part you live in, just as though you actually had two separate pieces of property. This includes your p...

 Forum: Personal Finance   Topic: Found a house... do I overthink or try to act quick?

Posted: Mon Apr 11, 2016 8:48 am 

Replies: 18
Views: 1354


Quote:
Like you said I'd probably have to rent it out.

This is a bad position to be in. If you can't afford it without renting, don't do it. Also realize you will have to pay taxes on the rent so it will be closer to $600 a month you'll net.

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

Posted: Sat Apr 09, 2016 10:56 am 

Replies: 17
Views: 5148


No one will ever care as much about your money as you will. Do as BF says, educate yourself, don't go to a CFP, and avoid fees like the plague that they are. Until you know enough to make an educated decision on your own keep your money in low risk places like cash in amutual fund or short term bond...

 Forum: Personal Finance   Topic: Financial Aid in College

Posted: Mon Apr 04, 2016 8:20 am 

Replies: 4
Views: 2349


I think a lot of this varies by college to be honest. Some colleges offer aid ONLY based on financial need (mine did), but others do a mix of financial need and "merit." Merit aid is based on grades and test scores and so on. That's distinct from financial need. Usually, "need" ...

 Forum: Personal Finance   Topic: Financial Aid in College

Posted: Sat Apr 02, 2016 10:23 am 

Replies: 4
Views: 2349


Colleges in about 34 states hold an even called "College Goal Sunday" where you can talk to people who know the right answers to these questions. I suggest you visit http://www.collegegoalsundayusa.org/ and find an even near you. The rules are basically the same everywhere so you can also ...

 Forum: General Discussion   Topic: Random Political Thoughts

Posted: Fri Mar 25, 2016 4:03 pm 

Replies: 9
Views: 2349


LMoot wrote:
Trump is not some strange new turnip that fell off the truck. His character has been consistent in the many years he's been visible to the public.


Is that what you call it? Character? Ok, I guess he's a character.

 Forum: Personal Finance   Topic: mid-20s, what to do with money?

Posted: Sun Mar 13, 2016 2:11 pm 

Replies: 45
Views: 23029


That's a 53 page PDF you provided-- I don't know when I'll find the time to tackle that and even if I did I'm not sure how much I'd understand. That's why I posted here, to get general advice in more laymen terms, looking for people to tell me what has worked for them so I could emulate it, etc, no...

 Forum: Personal Finance   Topic: Pay Off Car Loan vs Savings vs Investing

Posted: Sun Mar 13, 2016 12:37 pm 

Replies: 6
Views: 1620


Paying off the car loan a year early saves you only about $350 in interest. I think I'd put the money toward investing and pay off the loan as agreed.

 Forum: General Discussion   Topic: Random Political Thoughts

Posted: Sun Mar 13, 2016 12:34 pm 

Replies: 9
Views: 2349


Exactly. Though if I were to make a political statement I'd lament that we are not picking a great choice for the first woman president. There are lots of women who are better qualified to lead in both parties but don't have the political base to be elected, yet.

 Forum: General Discussion   Topic: Random Political Thoughts

Posted: Sat Mar 12, 2016 2:02 pm 

Replies: 9
Views: 2349


Surprised I've barely heard any chatter about the historical event of the first woman frontrunner/ president. Either the 3 stooges of the republican party 3 ring circus sopped up all of the media's attention, or America no longer thinks of Hilary Clinton as a woman. Or no one thinks it is noteworth...

 Forum: Personal Finance   Topic: Mortgage vs. retirement contributions vs. savings

Posted: Sat Feb 20, 2016 11:04 am 

Replies: 24
Views: 3169


Let's not restrict ourselves to modern times. Some of the first private bonds and stocks were issued to build canals in England many centuries ago. Evidence suggests that the return spreads of equities over bonds were very similar back then.

 Forum: Personal Finance   Topic: Help me understand how 401k value increases

Posted: Sun Feb 14, 2016 1:16 pm 

Replies: 10
Views: 11656


So I finally decided to just call Aon Hewitt and ask them if I should be seeing any dividends or interest credited to my account, and they said no. I'm really really confused on how investing in 401k does anything to build wealth. If there aren't any dividends to be reinvested in my account, my acc...

 Forum: Personal Finance   Topic: Catching up on Retirement Savings

Posted: Sun Feb 14, 2016 12:36 pm 

Replies: 17
Views: 31226


The criteria here is "don't sell". However under a Roth IRA I can own a family of funds where I can manipulate my percentages and adjust risk without having to occur taxes as long as none of the funds exits the Roth IRA umbrella. Therefore I can rebalance among various offerings within th...

 Forum: Personal Finance   Topic: Should I pay off a personal loan with a credit card?

Posted: Sat Feb 13, 2016 2:45 am 

Replies: 4
Views: 1020


LM was just trying to help. Mathematically it is always best to pay off the highest rate debt first and even increase a lowest rate debt to pay off the highest.

But when someone reports what you have we get concerned. No one can give good advise without full information.
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