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Viewing profile - markr867

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markr867
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Joined: Tue Jun 05, 2012 6:10 pm
Last visited: Sun Dec 06, 2015 6:40 am
Total posts: 12
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 12 Posts / 100.00% of user’s posts ]
Most active topic: Investing House Down Payment Fund
[ 3 Posts / 25.00% of user’s posts ]

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markr867 Posts

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 Forum: Personal Finance   Topic: Investing House Down Payment Fund

Posted: Fri Feb 14, 2014 8:48 am 

Replies: 8
Views: 1404


The amount saved so far is $4.5k. Nothing major. Another thing - I honestly have no idea when I would want to buy, and I don't think I'll be forced to buy at a certain time. If I want a house at 30 but the market has tanked, I'd be fine renting for another year or two to wait out the market. I would...

 Forum: Personal Finance   Topic: Investing House Down Payment Fund

Posted: Thu Feb 13, 2014 8:20 pm 

Replies: 8
Views: 1404


Ranger wrote:
Welcome, mark.

What's the status of your emergency fund?


My emergency fund is just over $10k, which represents about 5 months of current living expenses. It could last over 6 months if I actually was unemployed.

 Forum: Personal Finance   Topic: Investing House Down Payment Fund

Posted: Thu Feb 13, 2014 9:02 am 

Replies: 8
Views: 1404


Hi all, I'm 24 and recently got a new job that will provide a significant pay raise ($42k to $65k). I've been contributing $150 a month to a 'down payment' fund for an eventual house, and with this pay raise, I should be able to up that contribution to at least $300-$400/month. I've had this money i...

 Forum: Personal Finance   Topic: Moving part of EF to Roth

 Post subject: Moving part of EF to Roth
Posted: Wed Jan 01, 2014 7:08 pm 

Replies: 0
Views: 1871


Hi everyone, I'm currently 24 years old and not making quite enough yet to max out my Roth in addition to doing my 401k, short-term savings, etc. I can still contribute $3,290 to my Roth for the 2013 year. I have $10K specifically earmarked as an emergency fund in my Capital One 360 account. It is o...

 Forum: Personal Finance   Topic: Question on credit card limits

Posted: Sat Oct 06, 2012 8:27 am 

Replies: 2
Views: 1067


When I was around 18 years old, my mom signed me up for a credit card before I went to college so I could start building some credit. We were both on the account, and I used the card at school for necessities only like books and my parents paid it off every month. Once I graduated, I took over respo...

 Forum: Personal Finance   Topic: Is this a bad idea?

 Post subject: Is this a bad idea?
Posted: Wed Aug 15, 2012 6:02 am 

Replies: 1
Views: 1142


Currently, I have a checking account and two savings accounts at my bank. My one savings account is my emergency fund and my other is a "general savings" account that I just let build up each month and occasionally dip into it a bit for something fun. In my checking account, I start every ...

 Forum: Personal Finance   Topic: How many saving accounts do you have?

Posted: Sun Aug 05, 2012 7:23 pm 

Replies: 40
Views: 9958


What is the advantage of keeping N number of accounts as opposed to keeping record of expenses. I'm not knocking this method I just want to understand it. I track my expenses and I have one savings account. If I know that my vacation expenses for the year are not over what I have budgeted (I'm at 5...

 Forum: Personal Finance   Topic: How many saving accounts do you have?

Posted: Mon Jul 30, 2012 7:50 pm 

Replies: 40
Views: 9958


I have two. One is my emergency fund that I will never touch unless I lose my job or I suffer a major injury. (I rent and I don't have a car so I don't foresee any other major incidents that I couldn't handle with my other savings account/monthly cash flow) The other is kind of a "slush fund&qu...

 Forum: Personal Finance   Topic: Fidelity or Vanguard

 Post subject: Re: Fidelity or Vanguard
Posted: Sun Jun 10, 2012 1:29 pm 

Replies: 6
Views: 3503


Has anyone started an account with just 1,000? I always read that it requires 3,000 to open a roth IRA with Vanguard, but then I see the options for buying in certain indexes for 1,000. I don't want to be caught off guard if I decide I can scrape off 1,000 from my savings (I'm saving to move out of...

 Forum: Personal Finance   Topic: Opening credit cards for the cash back offer

Posted: Wed Jun 06, 2012 5:54 pm 

Replies: 14
Views: 179452


Thanks for all the replies! I am obsessive when it comes to saving, so even having 100 credit cards at my disposal wouldn't change my thoughts about spending on things I don't absolutely need. I'm not at all concerned about that. I might reconsider the Royal Caribbean card and look into opening just...

 Forum: Personal Finance   Topic: Opening credit cards for the cash back offer

Posted: Tue Jun 05, 2012 6:20 pm 

Replies: 14
Views: 179452


Hi, I've been a lurker here for awhile but I finally decided to join. I am 22 years old and I recently signed up with Chase for the Freedom Card as my first cash back credit card. I spent over $500 (I put my monthly expenses on the card and pay it off in full, I don't buy unnecessary things) in the ...
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