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Viewing profile - njitalian85

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njitalian85
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Joined: Thu Aug 09, 2012 5:34 am
Last visited: Mon Jan 28, 2013 8:34 am
Total posts: 7
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 7 Posts / 100.00% of user’s posts ]
Most active topic: Extra money in Savings- Invest, save, or pay off mortgage?
[ 4 Posts / 57.14% of user’s posts ]

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njitalian85 Posts

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 Forum: Personal Finance   Topic: Car buying / leasing help wanted

Posted: Tue Aug 21, 2012 6:31 am 

Replies: 4
Views: 1665


I second the used Honda Civic. I bought a used 2003 Honda Civic about 3 years ago(Sept 2009) for under $7k with only 43k miles on it. I've since taken it up to over 93k miles and it runs great. I did have to change the timing belt and water pump recently but that is required maintenance and wound up...

 Forum: Personal Finance   Topic: Savings account interest

Posted: Sun Aug 12, 2012 12:01 pm 

Replies: 13
Views: 3391


The best savings account interest rates are the online savings accounts. If you really want to earn more savings, I'd recommend an ING Direct (0.8% APY) account. ALLY Bank and American Express also offer higher interest rates as well. If you are willing to have an online only account, you'll do much...

 Forum: Personal Finance   Topic: Extra money in Savings- Invest, save, or pay off mortgage?

Posted: Sun Aug 12, 2012 11:56 am 

Replies: 12
Views: 2637


peachy, I contribute 5% of my paycheck and get 5% matching contirbutions for a 401k type account. I am only 26 so naturally a long way from retirement, but I have about 34k so far in that retirement account. I will eventually be upping the percentage of my contributions but my employer only matches ...

 Forum: Personal Finance   Topic: Extra money in Savings- Invest, save, or pay off mortgage?

Posted: Thu Aug 09, 2012 11:14 am 

Replies: 12
Views: 2637


As expected, great points from all of you. DoingHomework, you are 100% correct about the tax deductions. I have been getting big tax breaks from my mortgage interest and if I paid my mortgage faster, my return would just be a bit over 3% which is low, but also tax free and guaranteed for the most pa...

 Forum: Personal Finance   Topic: Extra money in Savings- Invest, save, or pay off mortgage?

Posted: Thu Aug 09, 2012 6:42 am 

Replies: 12
Views: 2637


Eagle, in response to your questions: The 209k left on my mortgage is the only debt I currently have. The mortgage is not paid off and my payment is about 1100 a month right now plus taxes and insurance. It is not a heavy burden and I can definitely afford to make extra payments to pay it off sooner...

 Forum: Personal Finance   Topic: Extra money in Savings- Invest, save, or pay off mortgage?

Posted: Thu Aug 09, 2012 5:53 am 

Replies: 12
Views: 2637


This is my first post in the GRS but I have frequented this site often over the past couple of years. I am 26 years old and have owned a home for the past 4 years (with a 30 year mortgage that has been refinanced once). I am about to sell my second car which is an expensive sports car that will get ...
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