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Viewing profile - sandrark

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sandrark
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Joined: Sat Oct 20, 2012 7:20 pm
Last visited: Tue Feb 03, 2015 4:43 pm
Total posts: 23
[0.03% of all posts / 0.02 posts per day]
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Most active forum: Personal Finance
[ 10 Posts / 43.48% of user’s posts ]
Most active topic: Buying a Rental?
[ 4 Posts / 17.39% of user’s posts ]

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sandrark Posts

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 Forum: Personal Finance   Topic: Considering house purchase (aka wife pushing for house).

Posted: Thu Oct 30, 2014 11:25 am 

Replies: 32
Views: 3022


So, if your wife wants a house AND private school (four years away?) AND a housekeeper AND child care AND new cars... Would she be willing to sell both cars and buy decent used ones with cash? You'd have a lot more room in your budget for a mortgage downpayment and PITI if you didn't have car loans ...

 Forum: Fiscal Fitness Journals   Topic: Sandrark's Goals, 2013

 Post subject: Re: Sandrark's Goals, 2013
Posted: Sun Mar 31, 2013 1:59 pm 

Replies: 6
Views: 3608


Hey stranger!! Congrats on getting the car paid off early. I did the same thing with my motorcycle. The loan payment paperwork kept coming around and coming around, and finally, I said 'enough is enough!' and paid it off. Good for you! Right back atcha, Peachy! Yeah, I'd been squirreling away extra...

 Forum: General Discussion   Topic: Quicken Loans

 Post subject: Re: Quicken Loans
Posted: Fri Mar 29, 2013 12:22 pm 

Replies: 3
Views: 2826


We used Quicken Loans for our recent refi. Most of it was uploading PDFs for income/taxes/paychecks, and that was great.

We paid a slightly-higher-than-market-rate on interest, but lower costs in fees. Since it was easy, that made DH happy, and I was thrilled to chop 9 years off our mortgage term.

 Forum: General Discussion   Topic: My BF keeps asking to borrow money from me

Posted: Fri Mar 29, 2013 12:18 pm 

Replies: 17
Views: 8719


Are you paying rent? If so, I'd deduct the amount you're supposed to pay from the amount he owes you. If not, then you should be. You'd be guilty of taking advantage of him in this arena, and so he thinks it's OK to ask for a financial interest in his business. But overall, yeah, sounds like he thin...

 Forum: Personal Finance   Topic: convincing my wife to invest more...

Posted: Fri Mar 29, 2013 11:58 am 

Replies: 15
Views: 2996


There is some merit to saving lots. There is some merit to spending now. What you lack is a plan agreed upon by you and the wife. You need goals and priorities. Then you don't have to ask random people over the interwebz for advice. Just my 2 cents. Trying to teach a man to fish rather than giving ...

 Forum: Fiscal Fitness Journals   Topic: Sandrark's Goals, 2013

 Post subject: Re: Sandrark's Goals, 2013
Posted: Fri Mar 29, 2013 11:06 am 

Replies: 6
Views: 3608


I find I do better when my goals are clear. For 2013, the goals are: 1. Pay $15K in principle on the mortgage. $3600/$15,000 = 24% 2. Pay off car ($4730 left). PAID IT OFF TODAY! I had the funds sitting in three different accounts, and decided this month that I still had $2K in short-term savings o...

 Forum: Personal Finance   Topic: Roth Conversion Question

Posted: Sat Feb 23, 2013 6:43 pm 

Replies: 5
Views: 1208


The standard advice is not to do the Roth conversion unless you have the funds to pay the taxes already in hand...

Any way you can stash the cash in a savings account, building it up so you do have it by Apr. 15th, 2014?

 Forum: Fiscal Fitness Journals   Topic: Sandrark's Goals, 2013

 Post subject: Re: Sandrark's Goals, 2013
Posted: Sat Jan 05, 2013 4:08 pm 

Replies: 6
Views: 3608


N2Deep wrote:
The month is barely even started and you're at 8% or better... I'd say you're well on your way to making those goals come true.


That's because I'm paid once a month. To stay on track, I have to do at least 8.25% per month, on average, to meet my goals.

:lol:

 Forum: Fiscal Fitness Journals   Topic: Sandrark's Goals, 2013

 Post subject: Sandrark's Goals, 2013
Posted: Thu Jan 03, 2013 4:30 pm 

Replies: 6
Views: 3608


I find I do better when my goals are clear. For 2013, the goals are: 1. Pay $15K in principle on the mortgage. $1200/$15,000 = 8% 2. Pay off car ($4730 left). $403/$4730 = 8.52% 3. Pay minimum of $1K each month towards joint savings goals, improving our net worth. $1100/$12,000 = 9.17% 4. Create a h...

 Forum: Personal Finance   Topic: HARP2 Refinance on Investment Property - Taxes & Cashflow ?

Posted: Tue Dec 11, 2012 10:01 am 

Replies: 3
Views: 2167


As I understand it, most HARP 2.0 lenders will not loan on any property where the LTV is larger than 125%.

And then you'd like to roll in closing costs? I think you're dreaming.

Have you found any lenders who are willing to go up to 200% LTV?

 Forum: News & Announcements   Topic: PMs and post count?

 Post subject: Re: PMs and post count?
Posted: Tue Nov 27, 2012 11:31 am 

Replies: 2
Views: 38089


I just posted another 2 replies on the boards, and now I magically have a "Reply" button on the PM.

So yes, it's limited until you have 10 posts to your profile. Maybe something that can be added to the PM FAQ?

:D

 Forum: Personal Finance   Topic: Help Me Prioritize - High Income, High Debt

Posted: Tue Nov 27, 2012 11:25 am 

Replies: 22
Views: 3565


Well, you have the potential to be in good shape just 5 years out. If I were in your shoes, I would: 1) Pay off the two highest interest SLs first, since your CCd is now done. 2) Make sure you're maxing out your 401(k), since it lowers your tax burden significantly. I'd hold off on the Roth contribu...

 Forum: Personal Finance   Topic: How do you learn to want less?

Posted: Tue Nov 27, 2012 11:10 am 

Replies: 20
Views: 3624


I really love the answers so far. But one habit that has REALLY helped in recent years is what I call "active gratitude." We have SO MUCH in comparison to others in this world, this country, this planet. So I find that if I verbalize my gratitude for what I DO have, it's less urgent to wan...

 Forum: Personal Finance   Topic: Windfall...what to do?

 Post subject: Re: Windfall...what to do?
Posted: Tue Nov 27, 2012 11:01 am 

Replies: 12
Views: 2130


To ensure that BofA doesn't mess it up, I'd pay your regular monthly payment, make sure it posts, and THEN send in the new $20K payment, marked "principal payment only." When we had our mortgage with BofA, you could pay online, and there was a radio button you checked to note how the funds...
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