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Viewing profile - FifteenYearPlan

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FifteenYearPlan
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Joined: Mon Oct 08, 2012 10:03 am
Last visited: Fri Dec 21, 2012 8:31 pm
Total posts: 18
[0.02% of all posts / 0.01 posts per day]
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Most active forum: Tips, Tricks, Links, Pointers
[ 9 Posts / 50.00% of user’s posts ]
Most active topic: Roth IRA
[ 2 Posts / 11.11% of user’s posts ]

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Adam

http://www.FifteenYearPlan.com - How could this 35 year old save enough to retire working only fifteen years? AND WHY AREN'T YOU doing these things

FifteenYearPlan Posts

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 Forum: Personal Finance   Topic: Do you keep full insurance coverage on your paid-off car?

Posted: Sun Dec 02, 2012 11:38 am 

Replies: 26
Views: 3191


It just depends if you can afford to replace that car if anything happens. You also need to consider the coverage it gives for medical issues, and for the other drivers car (in case it is your fault). I have found the reward outweighs the risk in case something happens.

 Forum: Personal Finance   Topic: What should I do with my old credit card?

Posted: Sun Dec 02, 2012 11:34 am 

Replies: 26
Views: 3817


I would just shred the card and keep it open or keep using the card once every few months then pay it off completely so they do not reduce your credit line. One aspect of credit score is the total amount of credit you have and your unused credit.

 Forum: Personal Finance   Topic: Roth IRA

 Post subject: Re: Roth IRA
Posted: Sun Dec 02, 2012 11:18 am 

Replies: 22
Views: 7285


I would say that you should go with Vanguard. They keep their fees low which means you will keep more money in your pocket. They also have the mutual funds that are balanced appropriately for your age. Just choose the fund with the date closest to your retirement date. It is somewhat set it and forg...

 Forum: Personal Finance   Topic: Credit Karma

 Post subject: Re: Credit Karma
Posted: Sun Dec 02, 2012 11:15 am 

Replies: 10
Views: 2420


This app sounds interesting. Thanks for the tip. I will have to check out Credit Karma.

 Forum: Personal Finance   Topic: Is this a good plan for retirement?

Posted: Sun Dec 02, 2012 11:06 am 

Replies: 27
Views: 3881


I have to agree with the statement about buying the annuity. I know it sounds like a good idea to have that stable income for the rest of your life, but you should run the numbers compared to a well balance portfolio for a person of your age. Also, why don't you stash some of your pension in a an IR...

 Forum: Tips, Tricks, Links, Pointers   Topic: Budgeting tip for fans of paying with plastic

Posted: Tue Oct 30, 2012 8:54 am 

Replies: 9
Views: 5623


Everyone has good, valid points. I want to point out that there is a happy medium in between. Use a debit card! Debit cards are great since like credit cards, they are easy and very convenient to use. You can also monitor your spending with them. Also, you can use debit cards in pretty much any stor...

 Forum: Tips, Tricks, Links, Pointers   Topic: Money Saving Tips

 Post subject: Re: Money Saving Tips
Posted: Tue Oct 30, 2012 8:46 am 

Replies: 34
Views: 42291


I totally agree with all these tips. Like several people said, in a nutshell, the best thing to do is to live below your means. Pinpoint the level at which you can live comfortably given your current finances, and then make sure that you live well below that. Of course, this doesn't not mean in any ...

 Forum: Tips, Tricks, Links, Pointers   Topic: Extreme couponing

 Post subject: Re: Extreme couponing
Posted: Tue Oct 30, 2012 8:15 am 

Replies: 9
Views: 6072


Well, I agree that while couponing does take up quite a bit of time, it is pretty much worth it in the end. Of course, at first, you will be spending a lot more time than is necessary with planning and such, but in the long run, couponing will be almost instinctive. Therefore, I think that the advan...

 Forum: Tips, Tricks, Links, Pointers   Topic: Save money by remembering time does not equal money

Posted: Tue Oct 30, 2012 8:02 am 

Replies: 30
Views: 23928


Really, everything everyone stated is valid, depending on your point of view . As Savarel so aptly stated, it is simply a matter of your own personal needs, your situation, etc. There really is no correct answer to the question of whether time is more valuable than money and vice versa. Therefore, t...

 Forum: Tips, Tricks, Links, Pointers   Topic: Ways to save on necessary bills

Posted: Tue Oct 30, 2012 7:36 am 

Replies: 15
Views: 12513


Those tips are really great! I for one have employed some of them to my advantage as of late and now that I have seen your post, I am of the mind to use more of them. Thanks a ton. :) __________________ Adam Randall http://www.fifteenyearplan.com - My personal finance blog dedicated to helping peopl...

 Forum: Tips, Tricks, Links, Pointers   Topic: Home Purchase Costs: Thoughts?

Posted: Tue Oct 30, 2012 7:29 am 

Replies: 8
Views: 4385


Yup. I agree with stannius. While it would be very much ideal for you to be able to get a $110,000 loan to take care of the closing costs, it just isn't possible. Here, you have to help yourself and have a downpayment all set up before you go into home buying. That's where budgeting, saving, and scr...

 Forum: Personal Finance   Topic: Roth IRA

 Post subject: Re: Roth IRA
Posted: Sun Oct 28, 2012 10:26 am 

Replies: 22
Views: 7285


I also would highly recommend A Random Walk Down Wall Street by Burton Malkiel. He is a Princeton professor who demonstrates that index funds beat stock picking over the long run.

Adam
__________________
http://www.fifteenyearplan.com

 Forum: News & Announcements   Topic: Living below my means - mostly

Posted: Tue Oct 23, 2012 7:51 am 

Replies: 2
Views: 31322


Hi Jean! I stumbled upon your post and I just wanted to give you some quick tips that I'm sure you can use for planning out your retirement. I actually have a blog entry on this that you may want to check out. :) (its over at http://www.fifteenyearplan.com/easy-budgeting-tips-for-young-people-famili...

 Forum: Personal Finance   Topic: How do you decide if an expense is a 'want' or a 'need'?

Posted: Mon Oct 15, 2012 6:51 am 

Replies: 17
Views: 2306


That's quite a good question. In my opinion, a pet is something that can be a want or a need, depending on the situation. Some people feel pets are unnecessary, but for animal lovers (I'm assuming you are one), having a pet can be a "need". Companionship is a human need, after all. So, the...
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