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It is currently Fri Feb 12, 2016 11:13 am



Viewing profile - Justus

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Justus
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Joined: Sun May 29, 2011 4:50 am
Last visited: Thu Dec 03, 2015 2:49 pm
Total posts: 191
[0.22% of all posts / 0.11 posts per day]
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Most active forum: Personal Finance
[ 154 Posts / 80.63% of user’s posts ]
Most active topic: Roth IRA
[ 10 Posts / 5.24% of user’s posts ]

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Location: Chicago
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Justus Posts

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 Forum: Personal Finance   Topic: At what age did you start to feel you have "grown up" money.

Posted: Sun Nov 08, 2015 12:20 pm 

Replies: 5
Views: 9917


An acquaintance of mine had fallen on some hard times recently but was excited to share that he'd finally saved up $1000 that wasn't owed to someone else or earmarked for a particular purpose. He shared this because $1000 was, in his mind, the minimum amount of "grown up" money. What amoun...

 Forum: Personal Finance   Topic: So you want to invest in real estate.- consider this

Posted: Sun Aug 30, 2015 12:03 pm 

Replies: 16
Views: 10826


Well let Ray blow of some steam I can understand that sometimes landlord is hard work. Ray is like me that we are landlords who manage apartments without paying a company to fix renters etc. Well what would more suitable investment be then? Of course it's work. The question is whether it's worth it...

 Forum: Personal Finance   Topic: So you want to invest in real estate.- consider this

Posted: Fri Aug 28, 2015 8:24 pm 

Replies: 16
Views: 10826


You've written about this subject quite a few times, Ray. So why do you do it? What's your ROI and couldn't you find more suitable investments to deploy your capital?

 Forum: Personal Finance   Topic: Estimating Payroll

 Post subject: Re: Estimating Payroll
Posted: Mon May 18, 2015 7:31 pm 

Replies: 5
Views: 1533


Paycheckcity.com has salary calculators that help you see what deductions will be taken out of your paycheck.

 Forum: Personal Finance   Topic: overcontributed to Roth IRA

 Post subject: overcontributed to Roth IRA
Posted: Tue Mar 31, 2015 10:39 am 

Replies: 2
Views: 3723


I generally fund my Roth IRA in January.

Between a raise I got in February and possible implications of selling some ESPP stock, I may be over the maximum for Roth this year. I'm a confused about what counts toward the MAGI and what doesn't.

What's are the correct steps I'd need to take?

 Forum: Personal Finance   Topic: Can not get on top of my debt. I need help please.

Posted: Tue Feb 03, 2015 8:08 am 

Replies: 65
Views: 7922


Don't worry, folks. He's doubled his income to $186000 a year in take home pay and has nearly an extra $90,000 more than his expenses. He'll be able to pay off that debt in no time.

 Forum: Personal Finance   Topic: Where would you put extra money?

Posted: Fri Jan 16, 2015 9:18 pm 

Replies: 15
Views: 4548


You mentioned that you are not fully funding your wife's Roth ... that'd be a good place to tuck money in a tax-advantaged account.

I'd try to pay down my mortgage as quickly as possible, after my Roth and 401k were fully maxed.

 Forum: Personal Finance   Topic: Debt Management

 Post subject: Re: Debt Management
Posted: Sat Dec 20, 2014 2:59 pm 

Replies: 24
Views: 3402


VinTek wrote:
Some 200 years after his death on April 17, 1790, the 1,000 pounds (worth $4,400 at the time) had grown to $6.5 million. The NY Times reported Boston's fund had swelled to $4.4 million; Philadelphia's to $2 million.


Unfortunately, for many of us, 200 years is too long to wait.

 Forum: Personal Finance   Topic: Figre out the net income after max 401 K contribution

Posted: Mon Dec 15, 2014 11:25 am 

Replies: 10
Views: 2621


There's a free 401k calculator on Paycheck city that I've used to do the rundown for my own finances.

HTH,
http://www.paycheckcity.com/calculator/401k/

 Forum: Personal Finance   Topic: Hello - Any advice?

 Post subject: Re: Hello - Any advice?
Posted: Mon Nov 24, 2014 2:16 pm 

Replies: 6
Views: 1484


I work at several jobs now, and get by the best I can, but I find it extremely daunting to formulate a meaningful financial plan -- there are just so many 'bells and whistles' out there, how can I take some simple steps in the right direction? That is where I am hoping to get some advice -- are the...

 Forum: Personal Finance   Topic: Graduation College, Got a Job Offer, Taxes Question

Posted: Wed Nov 12, 2014 2:06 pm 

Replies: 14
Views: 1984


I agree with the other posts which have suggested modeling based on the 1040EZ. I'd also suggest you check out paycheckcity, a website which has a nifty paycheck calculator to estimate what's being taking out of your check.

 Forum: Personal Finance   Topic: Late investing for retirement.

Posted: Sat Nov 08, 2014 8:20 pm 

Replies: 29
Views: 10045


Petunia100 wrote:
Without earned income, he is ineligible to contribute to an IRA.


At that level of income, he's not going to be paying capital gains tax anyway, so there's not going to be an advantage being in an IRA.

 Forum: Personal Finance   Topic: Home equity loan for investment...

Posted: Mon Nov 03, 2014 8:20 pm 

Replies: 30
Views: 9802


I don't see a problem with either use of leverage. Either way, you still "own" on the house. If the market goes the other way, you may have to sell the house and rent. But if the market goes the other way, you could be "under water", or upside down, at which point you cannot sel...

 Forum: Personal Finance   Topic: Late investing for retirement.

Posted: Fri Oct 31, 2014 7:48 pm 

Replies: 29
Views: 10045


I've also been giving this some additional thought. You're at age 50 now and your goal is to have enough in your nest egg so that you can draw down 3000 a month at age 72. That may be unrealistic. However, you've stated that you're getting about $1050 a month in SSDI (after subtracting for Medicare)...
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