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Viewing profile - KailynLaw

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KailynLaw
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Joined: Mon Dec 12, 2011 8:35 am
Last visited: Thu Jan 05, 2012 10:49 am
Total posts: 7
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 5 Posts / 71.43% of user’s posts ]
Most active topic: Financial planning for "stable" young people
[ 1 Post / 14.29% of user’s posts ]

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KailynLaw Posts

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 Forum: Personal Finance   Topic: Financial planning for "stable" young people

Posted: Tue Jan 03, 2012 2:45 pm 

Replies: 15
Views: 3772


It all depends on your priorities. Mine are as follows;

1 Emergency Fund = 3-6 months expenses
2 Retirement = Roth and 401k
3 Set aside money to replace your car when it has worn out
4 House down payment

 Forum: Personal Finance   Topic: What is the best company to buy term life insurance?

Posted: Thu Dec 29, 2011 1:48 pm 

Replies: 15
Views: 3092


[Insurance companies] are gonna try to find a way to wiggle out of paying you. Sad but true. Is that actually true? I mean, I understand that most life insurance policies expire or are canceled without ever having to pay out, but of those that are actually in force when the death occurs, is it actu...

 Forum: Fiscal Fitness Journals   Topic: BryanH's goals to end debt

Posted: Wed Dec 28, 2011 12:12 pm 

Replies: 3
Views: 1890


I know that a lot of financing companies require a separate payment labeled for principal only. Just make sure you get something in writing!

 Forum: Personal Finance   Topic: mortgage prepayment vs savings

Posted: Tue Dec 27, 2011 2:05 pm 

Replies: 15
Views: 3504


I would save about 3 months living expenses first. After you do that I would recommend paying off the mortgage. Just make sure you apply all extra payments to the principal only.

 Forum: Fiscal Fitness Journals   Topic: Untangling.

 Post subject: Re: Untangling.
Posted: Tue Dec 13, 2011 12:12 pm 

Replies: 19
Views: 6095


Wysteria, are you looking for advice or help in making decisions or are you journaling so that we can support you from a distance?

 Forum: Personal Finance   Topic: Is it okay to close a credit card?

Posted: Mon Dec 12, 2011 10:04 am 

Replies: 8
Views: 1973


It is absolutely okay to close your credit cards. However you may want to think twice. Your credit score is based partly on your average account length. What makes you think that 3 cards are too many? I personally have 4 cards that I regularly use. I never let the balance reach 20% of my total avail...
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