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Viewing profile - Spenster

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Spenster
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Joined: Wed Oct 10, 2012 9:36 pm
Last visited: Sat Oct 11, 2014 6:11 am
Total posts: 10
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 10 Posts / 100.00% of user’s posts ]
Most active topic: Rock bottom, now what?
[ 8 Posts / 80.00% of user’s posts ]

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Spenster Posts

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 Forum: Personal Finance   Topic: Traditional 401k, Roth 401k, and Roth IRA

Posted: Wed Oct 08, 2014 8:44 am 

Replies: 5
Views: 985


Greetings, TL:DR to get us started. Am I correct switching all future contributions to a Roth 401k is a good choice? Now for the longer post. Little background, I am nearly 32 and currently have 27k in a traditional 401k. My wife makes 27k and I make a base of 43k but have had quite a bit of overtim...

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Re: Rock bottom, now what?
Posted: Wed Oct 17, 2012 7:36 am 

Replies: 39
Views: 4620


Clearly I'm no expert, but I don't think I'll be able to sell the car while it still has a lien on it. The dealer may buy it back but even if they do, I'm almost certain that money will just go straight to the bank leaving no money in my pocket to pay anything else.

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Re: Rock bottom, now what?
Posted: Tue Oct 16, 2012 4:30 pm 

Replies: 39
Views: 4620


The program should either be scrapped or made permanent. From a personal standpoint, I believe it should just be scrapped. I can think of many other things I'd rather my taxes go to. On a business standpoint, not extending it is giving a huge advantage to natural gas and oil companies who are still...

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Re: Rock bottom, now what?
Posted: Sat Oct 13, 2012 2:32 pm 

Replies: 39
Views: 4620


Spenster wrote: Sad to say, I'm going to fall short of both of us getting the $12 plan... that plan would cost me in overages... only 100mb of data per month... talks way too much and streams too much crap Yes, sad. I suppose that some sacrifice is really out of the question. I'm not quite sure if ...

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Re: Rock bottom, now what?
Posted: Fri Oct 12, 2012 7:19 pm 

Replies: 39
Views: 4620


I contacted the prepaid credit card a few weeks ago because it made sense for me too for them to just cut me a check for the remaining deposit. Their policy is to only refund once the balance is paid off, I'm sure just another way to try to squeeze a little more money out of me. All of the classes I...

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Re: Rock bottom, now what?
Posted: Fri Oct 12, 2012 1:22 pm 

Replies: 39
Views: 4620


Health insurance was picked up by my wife as soon as we caught wind of the job situation and comes out of her paycheck before budgeted income. Both cars are already on a 1k deducible and we are weighing our options on keeping her car right now.

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Re: Rock bottom, now what?
Posted: Fri Oct 12, 2012 8:06 am 

Replies: 39
Views: 4620


The 10k I was referring to is how much I'd still owe if I sell the car. KBB shows a private sale should fetch $15.8k. I still owe around 26k for the car so just as a guess that is at least another 12 months of payments. I am running into problems with the same kind of logic for paying the ETF for th...

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Re: Rock bottom, now what?
Posted: Thu Oct 11, 2012 9:57 pm 

Replies: 39
Views: 4620


Ok, I'm trying to realistic about the car but I can't wrap my head around getting rid of it being beneficial at this point. I realize the mistake but fixing it is a whole different ball of wax. I purchased this car off the lot new which instantly makes me upside down on this loan. Taking it back to ...

 Forum: Personal Finance   Topic: Rock bottom, now what?

 Post subject: Rock bottom, now what?
Posted: Thu Oct 11, 2012 4:17 pm 

Replies: 39
Views: 4620


My apologies in advance as I plan to throw a few different things all in this same post. I am ashamed to say that I've lurked here awhile and didn't post most of the great advice I've read into action. Here is my situation. I worked for a facility that made wind turbines. This year there is a produc...
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