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It is currently Sat Apr 30, 2016 12:10 am



Viewing profile - namesbond

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namesbond
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Joined: Mon Sep 10, 2012 2:44 pm
Last visited: Thu Feb 11, 2016 1:57 pm
Total posts: 24
[0.03% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 24 Posts / 100.00% of user’s posts ]
Most active topic: Retirement
[ 6 Posts / 25.00% of user’s posts ]

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namesbond Posts

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

Posted: Mon Feb 08, 2016 10:29 am 

Replies: 45
Views: 23019


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 2. Look at rent and see if buying a condo is a good idea - This will vary based on where you live. This money is a great w...

 Forum: Personal Finance   Topic: At what age did you start to feel you have "grown up" money.

Posted: Mon Nov 23, 2015 10:39 am 

Replies: 5
Views: 10554


I've been working since I was 14 but it is just now at 29 years old that I feel I have grown up money. It is now that am living 100% independently with over 2x salary in investments with no debt other them my mortgage and car which are both below my means. I've also finished transitioning into my ca...

 Forum: Personal Finance   Topic: 401K vs IRA

 Post subject: Re: 401K vs IRA
Posted: Fri Nov 13, 2015 9:22 am 

Replies: 16
Views: 6745


My advice is to invest in this order 1. 401k match - if your company offers it which it sounds like they don't 2. HSA - if you are single/don't have a bunch of kids and your company offers it 3. Roth IRA to the max - Vanguard low cost index funds such as admiral shares 4. Back to 401k up to the 17,5...

 Forum: Personal Finance   Topic: Advice

 Post subject: Re: Advice
Posted: Fri Sep 11, 2015 7:48 am 

Replies: 4
Views: 4107


At the point of 10% net + 4% gross catching up to my 10% net contributions to my Emergency Fund and Condo.

 Forum: Personal Finance   Topic: Advice

 Post subject: Advice
Posted: Thu Sep 10, 2015 11:32 am 

Replies: 4
Views: 4107


I'm about to turn 29 and looking for Financial Advice. My finances: Car Debt: $10,0000 on 2014 Hyundai Accent 6,000 miles on it at 3.25% over 7 years Just purchased a condo for $120,000 with $40,000 down so $80,000 mortgage at 3.375% for first 10 years of 30 year loan and can get as high as 7.75% af...

 Forum: Personal Finance   Topic: Should I be spending more?

Posted: Fri Jul 18, 2014 2:46 pm 

Replies: 12
Views: 1757


Pay off house -80k, 6 month emergency fund -40k probably high since you will have no mortgage, -30k roth ira/401k over the next 4 years so you hit 1x salary at 33 years old, have fun with the remaining 50k and enjoy not having a mortgage. Keep putting 10% into 401k/roth ira since you have a pension ...

 Forum: Personal Finance   Topic: Advice for young person with student loan debt

Posted: Fri Mar 14, 2014 7:25 am 

Replies: 6
Views: 1195


Do your company match then pay off student loans as fast as possible. Once they are gone you should contribute at least 15% of your income into retirement. You should also immediately start contributing 10% into your emergency fund since that is very underfunded. I am basing those statements on the ...

 Forum: Personal Finance   Topic: Question about buying Pension Service Credits

Posted: Fri Aug 09, 2013 8:59 am 

Replies: 48
Views: 5079


I'm currently 27 years old and working for a state agency. I have 4 years of service in so I'm fully vested in our pension. I have the opportunity to purchase 5 years of service for $14,500 . The way that it works is that I get 2% of my highest average salary for each year of service. Years of servi...

 Forum: Personal Finance   Topic: All of my expenses are paid for the next 4 years. What now?

Posted: Thu Apr 25, 2013 11:32 am 

Replies: 25
Views: 2772


I'm new to MMA. Where can I set one up? I did a google search and found ones with $50,000 minimums with less than 1% interest rates. Am I missing something?

I-Bonds are currently 1.76%

 Forum: Personal Finance   Topic: All of my expenses are paid for the next 4 years. What now?

Posted: Thu Apr 25, 2013 7:25 am 

Replies: 25
Views: 2772


If anyone knows of a more convenient, liquid, and higher yeilding place to stash emergency money than series I-Bonds please share? I would personally like to know keeping in mind risk vs. .2 percent increased return. Yes, there are minimums and requirements but my advice is sound. Roth IRA full of d...

 Forum: Personal Finance   Topic: All of my expenses are paid for the next 4 years. What now?

Posted: Wed Apr 24, 2013 2:55 pm 

Replies: 25
Views: 2772


It seems pretty obvious to me what he should do. Once you get a thousand dollars open a Roth IRA with vanguard.com. Place the money in a index fund such as S&P 500, Total International, or Target Date fund and make sure it has a low expense ratio ie .05 to .30 percent. Make sure you reinvest tho...

 Forum: Personal Finance   Topic: Pay my own tuition or take more debt/save for retirement?

Posted: Fri Jan 25, 2013 10:06 am 

Replies: 7
Views: 1565


Do anything you can to keep down the Student Loans. 6.8% + inflation is ideal to get from index funds but not guaranteed. Unless you are certain the IRA will outperform the student debt. It will feel good to not have very much student debt aswell.

 Forum: Personal Finance   Topic: computer os

 Post subject: Re: computer os
Posted: Wed Jan 16, 2013 3:08 pm 

Replies: 5
Views: 1317


Save the files to the root of C:\\

Files stored in your Documents folder, user folder, and desktop will be gone. Take with a grain of salt but I believe I am fairly certain. Remember that setting in programs will be gone aswell as browser favorites. These are often missed.

Backup, backup, backup

 Forum: Personal Finance   Topic: Retirement

 Post subject: Re: Retirement
Posted: Wed Jan 09, 2013 8:14 am 

Replies: 25
Views: 3630


Is it smart for me to just put all my Roth and 401k funds into a Target 2045 fund? It has a low expense ratio.
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