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It is currently Tue Jul 26, 2016 1:21 am



Viewing profile - alohabear

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alohabear
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Joined: Tue Jun 12, 2012 4:34 pm
Last visited: Thu Jun 16, 2016 8:36 am
Total posts: 623
[0.70% of all posts / 0.41 posts per day]
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Most active forum: Personal Finance
[ 370 Posts / 59.39% of user’s posts ]
Most active topic: Bear's 2016 goals
[ 77 Posts / 12.36% of user’s posts ]

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alohabear Posts

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 Forum: Personal Finance   Topic: Personal Finance Advise Request

Posted: Mon May 02, 2016 1:59 pm 

Replies: 5
Views: 2018


Are you contributing enough to your TSP to get the entire 5% matching? At first glance, it doesn't look like it. If not, you really should increase your contribution to ensure you're getting the full match.

 Forum: Fiscal Fitness Journals   Topic: Dirty Laundry

 Post subject: Re: Dirty Laundry
Posted: Thu Mar 10, 2016 9:33 am 

Replies: 164
Views: 80046


LMoot wrote:
I guess you can say I talk to myself lol! The downside of arguing with yourself though is that you change your mind a lot.


I told the last person who teased me for talking to myself, "How else am I going to have an intelligent conversation?" :lol:

 Forum: Personal Finance   Topic: Minimalism

 Post subject: Re: Minimalism
Posted: Thu Mar 10, 2016 9:31 am 

Replies: 5
Views: 1717


alohabear you touched on another major benefit I forgot about minimalism: the need for less space. It seems like storage takes up a lot of space in contemporary homes...bigger garages, walk-in closets everywhere, huge pantries (though this might be a plus if you buy in bulk) , gargantuan furniture,...

 Forum: Personal Finance   Topic: Minimalism

 Post subject: Re: Minimalism
Posted: Tue Mar 08, 2016 9:23 am 

Replies: 5
Views: 1717


Mr. Bear and I are also not minimalists in the strictest sense (no 100 item challenges for me as well). However, when we moved last summer, we made a conscious choice to downsize. We went from a 1500+ sq. ft. (plus a garage and yard) townhouse to ~950 sq. ft. apartment. We got rid of a lot of stuff....

 Forum: Personal Finance   Topic: mid-20s, what to do with money?

Posted: Tue Feb 09, 2016 9:33 am 

Replies: 45
Views: 23235


1. Max out your Roth IRA $5,500 per year investing in Index Funds such as S&P 500 or Total Stock Market index funds with low expense ratios below .5% is a good expense ratio No it's not. In all my various investments, the highest ER I have is 0.18%. The lowest is 0.027%. There's no reason to pa...

 Forum: Personal Finance   Topic: Live on less. Don't end up like my father.

Posted: Mon Feb 01, 2016 10:07 am 

Replies: 7
Views: 11361


I also know that I'd rather save for retirement and emergency than spend my money on wine, expensive cheeses and gambling. Who says it has to be one or the other? My husband and I just took an overnight vacation to another city. We spent almost 1/4 of our budget on wine and cheese. It was excellent...

 Forum: Personal Finance   Topic: How do you avoid panic and stay the course?

Posted: Thu Jan 14, 2016 11:47 am 

Replies: 6
Views: 6026


Those of you that have been through this multiple times, how do you ignore the temptation to change your course? Honestly, sometimes I just quit looking. All of my contributions are set automatically and I get an automatic notification when they occur, so there's really no reason for me to go in an...

 Forum: Fiscal Fitness Journals   Topic: Bear's 2016 goals

 Post subject: Re: Bear's 2015 goals
Posted: Tue Jan 05, 2016 11:55 am 

Replies: 136
Views: 47237


2016 Goals: TSP: $18,000 2017 Roth IRAs: $11,000 Taxable acct: $5,000 Savings: $2,500 Total: $36,500 Happy New Year! Hope everyone had a safe and fun holiday season. I can't believe it's already 2016. Mr. Bear and I have worked out our goals for 2016, and I've posted them above. We were able to fron...

 Forum: Fiscal Fitness Journals   Topic: Dirty Laundry

 Post subject: Re: Dirty Laundry
Posted: Fri Dec 04, 2015 4:37 pm 

Replies: 164
Views: 80046


LMoot wrote:
Had a good week. Got a promotion with a 7% raise (and will be up for my 1st annual raise in April...just a few months away!).


Congrats! :clap:

 Forum: Fiscal Fitness Journals   Topic: Bear's 2016 goals

 Post subject: Re: Bear's 2015 goals
Posted: Thu Dec 03, 2015 12:19 pm 

Replies: 136
Views: 47237


Glad to hear everything came together as planned. How nice to have lived in Hawaii and Portland (places many would love to live, or even just visit), so I can understand the temptation to settle down. I suspect I am a wonderer as well; I say suspect because other than my birthplace, I've always liv...

 Forum: Fiscal Fitness Journals   Topic: Bear's 2016 goals

 Post subject: Re: Bear's 2015 goals
Posted: Thu Dec 03, 2015 11:02 am 

Replies: 136
Views: 47237


November/end-of-year update: TSP: $16,632/$18,000 (92%) Taxable acct: $1,500(+)/$1,500 (100%) Savings: $10,000(+)/$10,000 (100%) Roth IRA(x2): $11,000/$11,000 (100%) Thought I'd give an end-of-year update, since we're substantially done with our goals. The TSP goal is on track to be complete at the ...

 Forum: Personal Finance   Topic: Investing 75-80% into 401k for remainder of the year?

Posted: Fri Nov 20, 2015 1:11 pm 

Replies: 12
Views: 7109


Load it up! But only if you anticipate maxing it out next year as well. Why? What does this decision have to do with whether he will max it out next year? Maximizing tax-advantaged accounts If you only have $5000 to invest (or say 10% of a $50K salary) over the next 14 months... you can probably ju...

 Forum: Personal Finance   Topic: New Member: need your advice and direction

Posted: Fri Nov 20, 2015 8:47 am 

Replies: 9
Views: 8690


After your marriage and honeymoon, sit with your newly wed wife to discuss about both of your financial goals (shaort, medium, and long term). Egads, don't you think they should discuss these things before the marriage? Around here, we've seen a lot of financial "surprises" that pop up af...

 Forum: Personal Finance   Topic: Investing 75-80% into 401k for remainder of the year?

Posted: Fri Nov 20, 2015 8:44 am 

Replies: 12
Views: 7109


rimfirerifleman wrote:
Load it up! But only if you anticipate maxing it out next year as well.


Why? What does this decision have to do with whether he will max it out next year?
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