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Viewing profile - stargazer

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stargazer
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Joined: Mon Jan 02, 2012 4:13 pm
Last visited: Fri Jan 04, 2013 9:43 am
Total posts: 5
[0.01% of all posts / 0.00 posts per day]
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Most active forum: Personal Finance
[ 5 Posts / 100.00% of user’s posts ]
Most active topic: My Mint Setup
[ 2 Posts / 40.00% of user’s posts ]

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 Forum: Personal Finance   Topic: mortgage prepayment vs savings

Posted: Wed Jan 04, 2012 1:39 pm 

Replies: 15
Views: 3504


True, there is some risk that you'll need the money and can't get to it. I guess I have faith (possibly naive) that if you *really need* some cash to tide you over, you'll figure something out. Borrow from a relative, make do without, etc. The fact that you can't easily get the money back out of the...

 Forum: Personal Finance   Topic: mortgage prepayment vs savings

Posted: Mon Jan 02, 2012 5:12 pm 

Replies: 15
Views: 3504


I would accelerate the payments. I'm not sure if it's mathematically favorable for you to do so, but I'd do it even if it costs you a bit. If you save the money, there's a risk that you will blow it. No risk that you'll blow it if you prepay. So think of it as a form of insurance against the risk of...

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

Posted: Mon Jan 02, 2012 4:26 pm 

Replies: 15
Views: 3772


I'll be little contrarian --

I would take a chunk of that money and travel with it. By all means, you should "invest" the money, but when you're young, spending money to gain experiences and memories that will last a lifetime can also be a worthwhile "investment."

 Forum: Personal Finance   Topic: My Mint Setup

 Post subject: My Mint Setup
Posted: Mon Jan 02, 2012 4:20 pm 

Replies: 5
Views: 4633


Mint is a great tool, but the budgeting and spending category features can be frustrating. I thought I would share my set up for those who may be interested. As many of you know, you can create new spending subcategories in Mint, but you cannot create new top-level categories. This is unfortunate, b...
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