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Viewing profile - DoingHomework

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DoingHomework
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Joined: Wed Sep 23, 2009 9:01 am
Last visited: Sat Feb 06, 2016 10:14 pm
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 Forum: Tips, Tricks, Links, Pointers   Topic: Save $$$ on Shaving Costs

Posted: Sun Jan 31, 2016 12:23 pm 

Replies: 2
Views: 2577


Gee, didn't we already say this 4 years ago in a thread dedicated to tips on saving money? Yes but shaving has changed SO much in that time. Wasn't the straight razor still the only option then? And of course long beards with full sideburns were the fashion along with handlebar mustaches so the amo...

 Forum: Personal Finance   Topic: How to Understand Low Mortgage Rate vs Lower House Price

Posted: Sun Jan 31, 2016 11:52 am 

Replies: 9
Views: 7679


I am looking at two scenarios where I have $300k savings and $2,115 per month to use for real estate and investment in a target fund. I'm not sure if my logic is correct below but I see more net profit by putting 20% down and investing the remainder of the $2,115/mo (after mortgage payment) in a ta...

 Forum: Personal Finance   Topic: How to Understand Low Mortgage Rate vs Lower House Price

Posted: Sat Jan 30, 2016 3:09 pm 

Replies: 9
Views: 7679


I have $350,000 right now and I was looking to do something with it. I don't feel comfortable doing anything riskier than say a Target Fund. Any target fund with a target date beyond about 10 years from now will be nearly 100% in the stock market. I see nothing wrong with that. But your statement i...

 Forum: Personal Finance   Topic: How to Understand Low Mortgage Rate vs Lower House Price

Posted: Sat Jan 23, 2016 2:41 pm 

Replies: 9
Views: 7679


I think you need to be much more clear on your definitions. What do you mean by "more powerful?" As BF said, you can do the math on different scenarios but there will always be intangibles that are hard to factor in. Focusing on how much interest you pay is, well, completely wrong. You sho...

 Forum: Tips, Tricks, Links, Pointers   Topic: Hold Real Estate In Your Roth IRA - But How?

Posted: Sat Nov 28, 2015 2:07 pm 

Replies: 1
Views: 5661


If you have to ask then you should stick with large publicly traded REITs. Never buy individual properties.

 Forum: General Discussion   Topic: Buying a Rental?

 Post subject: Re: Buying a Rental?
Posted: Wed Nov 25, 2015 11:10 am 

Replies: 12
Views: 10290


Hey As you have mentioned in your post that we need to familiar with rental laws. so I want to ask you something related to this. Actually My relatives rented a apartment few months back and at the time of making final deal with the owner, he promised to give all facilities. But now my relatives ar...

 Forum: Personal Finance   Topic: How to save money before tax?

Posted: Sun Nov 15, 2015 11:31 am 

Replies: 12
Views: 6629


It does not sound like there is a lot more you can do but there may be some things if you are willing to get complicated. For example, whole life insurance MAY be a way for you to reduce taxes and be able to borrow. You MAY be able to pay your mother pretax if she sets up a legitimate business and s...

 Forum: News & Announcements   Topic: new guy here --having a 401k issue at prudential

Posted: Tue Nov 10, 2015 8:46 am 

Replies: 1
Views: 5777


What section should I use to address an account value discrepancy 401k issue I am having with prudential. Tired of dealing with their 20th century online "contact us" crap that does not allow me to reply to their reply. Thanks ! They will have a phone number to call. I suspect that will w...

 Forum: Personal Finance   Topic: Job interview - Company said to expect delayed paychecks

Posted: Sun Nov 08, 2015 7:32 pm 

Replies: 3
Views: 4727


In some states it is NOT legal. And employees must be paid before any other creditors no matter what. The only exception is taxes. In other states however, what they are doing is perfectly legal. Airlines are regulated at the Federal level, (assuming they fly interstate) and airline employees may no...

 Forum: Personal Finance   Topic: Am I doing life right?

 Post subject: Re: Am I doing life right?
Posted: Thu Oct 29, 2015 12:16 pm 

Replies: 14
Views: 7105


I have an "idea" of his expenses, but I don't know the exact amount. I know the amount of his car insurance payment, phone payment, rent and utilities payment; I just don't know the amount he has saved or the amount he spends on general expenses (gas, groceries, miscellaneous items). I've...

 Forum: Personal Finance   Topic: Advice - 300k

 Post subject: Re: Advice - 300k
Posted: Tue Oct 27, 2015 8:50 pm 

Replies: 7
Views: 4210


I would open up an account at one of the large brokerages (Vangard, Fidelity, TRP, etc) and put the money in index funds. Not just a large brokerage firm. A brokerage firm the has low fees. I'm sure that's what TW meant to say, just clarifying. Regarding my own suggestion, how much of your net wort...

 Forum: General Discussion   Topic: Slow and steady still win the race, but need help?

Posted: Mon Oct 26, 2015 10:03 am 

Replies: 3
Views: 7247


Yes, and I warned you Michael, this is NOT the place to advertise.

 Forum: Personal Finance   Topic: Pay extra for more long term disability?

Posted: Mon Oct 26, 2015 9:36 am 

Replies: 7
Views: 2490


I agree with Ranger. LTD is something you are far more likely to need than you might expect. I would aim to replace up to your full income if they will let you. Generally they will only let you replace about 2/3 so that would be fine.

 Forum: Personal Finance   Topic: Need advice re: collection not collected - tanking credit sc

Posted: Sun Oct 25, 2015 10:23 am 

Replies: 9
Views: 3315


Your credit report is a record of what happened. You've now paid the bill, but that doesn't change the fact that you were months late. Removing that note from your record would make the report inaccurate, as it would suggest you've never been late paying a bill, when in fact you were. It sucks, but...
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