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Viewing profile - autopilot29

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autopilot29
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Joined: Mon Dec 03, 2012 2:06 pm
Last visited: Wed Dec 05, 2012 6:13 am
Total posts: 11
[0.01% of all posts / 0.01 posts per day]
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Most active forum: Personal Finance
[ 10 Posts / 90.91% of user’s posts ]
Most active topic: Young and Overwhelmed
[ 9 Posts / 81.82% of user’s posts ]

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autopilot29 Posts

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 Forum: Personal Development   Topic: Looking to go on a Diet... Need help.

Posted: Tue Dec 04, 2012 7:49 pm 

Replies: 47
Views: 21102


I think a more simple answer would be for you is that, you need to reduce all the calories in in your diet and try to burn out the extra calrories you have. Try to eat fresh fruit, vegetable, salad and pure grain. Not eat fast food and red meat. Do some regular walk and exercise. Avoide using and m...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Re: Young and Overwhelmed
Posted: Tue Dec 04, 2012 7:39 pm 

Replies: 25
Views: 4045


Speaking of this what is your fiancé’s financial situation? Does she have a steady job? What kind of debt does she have if any? How does she view fiancnes, budgetting, etc. And now I shamefully look down... he's an accountant. In my defense for seeking help online, his dad manages his funds (as a C...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Re: Young and Overwhelmed
Posted: Tue Dec 04, 2012 7:20 pm 

Replies: 25
Views: 4045


Do this! Okay, at the very minimum, max this out each year without lowering your 403 contributions (the Roth max is only $5000 per year, and you've been saving more than that paying off your loans). As for what to invest the Roth in, I would go with vanguard and their index funds. Perfect, this is ...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Re: Young and Overwhelmed
Posted: Tue Dec 04, 2012 7:14 pm 

Replies: 25
Views: 4045


I agree with DH. It is unusual that your employer makes no contribution considering your profession. Something to look into Auto? Also, have you considered ways to either increase your income or lower your expenses? Nope, no employee contributions to my 403b; probably because it's public $?? I don'...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Re: Young and Overwhelmed
Posted: Tue Dec 04, 2012 2:42 pm 

Replies: 25
Views: 4045


The expense ratio for the T. Rowe Price Small Cap Stock fund is 0.92%. If you are paying 0.97% then it appears your funds are "wrapped." I would not be overly concerned with a 0.05% extra fee because for many years it will amount to just a dollar or less per year. But you'll want to confi...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Re: Young and Overwhelmed
Posted: Tue Dec 04, 2012 12:22 pm 

Replies: 25
Views: 4045


Don't think of rent as "wasting money". Having a house, even a paid-up house, incurs substantial expenses on an ongoing basis. There is no free ride, ever. You've been given very good advice, I think. Lower expenses on your 403b and a Roth will definitely help lay a good foundation. Don't...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Re: Young and Overwhelmed
Posted: Tue Dec 04, 2012 12:12 pm 

Replies: 25
Views: 4045


Hi Autopilot29, First congrats on becoming debt free! That is fantastic! Personally, I would beef up your savings fund. $2000 is probably what a month of expenses? I’d make my goal if I made 35K a year to have an Emergency Savings Fund (E-Fund) of about 3-6 months of expenses. Of course I may be le...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Re: Young and Overwhelmed
Posted: Tue Dec 04, 2012 11:12 am 

Replies: 25
Views: 4045


My first recommendation is to review your 403(b) materials and pinpoint the funds with the lowest expense ratios. Compare those expense ratios to mutual funds available through brokers such as Vanguard or Fidelity. [/quote] This is how clueless I am... I had to google 'epense ratios'! I stayed up p...

 Forum: Personal Finance   Topic: Kids and Money

 Post subject: Re: Kids and Money
Posted: Mon Dec 03, 2012 4:04 pm 

Replies: 31
Views: 3811


I can see how she feels with her age and social group. I think being honest about your finances is the best lesson to teach her. I grew up very middle class and I was never allowed to shop in designer stores... it was the sales rack in the department store if anything. When going to the mall with fr...

 Forum: Personal Finance   Topic: Young and Overwhelmed

 Post subject: Young and Overwhelmed
Posted: Mon Dec 03, 2012 3:19 pm 

Replies: 25
Views: 4045


I actually came across this site when researching more about finances and retirement savings. And although I have been addicted to all the posts on here, I feel like I'm learning A LOT, but I'm still very fearful that I'll never be able to manage everything successfully on my own. I also don't make ...
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