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A place for Get Rich Slowly readers to ask questions
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It is currently Sat Jul 23, 2016 8:01 am

Viewing profile - jpham540

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Joined: Sun Jan 06, 2013 10:30 pm
Last visited: Thu Mar 17, 2016 8:26 am
Total posts: 156
[0.18% of all posts / 0.12 posts per day]
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Most active forum: Personal Finance
[ 90 Posts / 57.69% of user’s posts ]
Most active topic: Dirty Laundry
[ 8 Posts / 5.13% of user’s posts ]



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jpham540 Posts

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 Forum: Success Stories   Topic: One student loan down, one to go!

Posted: Fri Dec 26, 2014 8:33 am 

Replies: 4
Views: 8084

Nice Job apples :clap: , Keep up the good work.

 Forum: Personal Finance   Topic: Getting there!

 Post subject: Re: Getting there!
Posted: Fri Dec 26, 2014 8:09 am 

Replies: 6
Views: 1420

Welcome! it seem like you're right on track, the only thing I see is if I was in your shoe, I would use that $1,000 a month you're saving for the house and pay off that student loan. The 6.5% interest is too high for my liking I would definitely aggressively pay that off. Hope you will learn a lot f...

 Forum: Fiscal Fitness Journals   Topic: Dirty Laundry

 Post subject: Re: Dirty Laundry
Posted: Fri Dec 26, 2014 8:03 am 

Replies: 164
Views: 79982

Sounded like you had a good time in Africa, I know what you mean feeling queasy paying those expense. I quit my oversea job recently over in Afghanistan in October and been at home unemployed for almost 3 month. My expense is stacking up, I took an offer for new job with a different company so that'...

 Forum: Personal Finance   Topic: 2015 Goals

 Post subject: 2015 Goals
Posted: Fri Dec 26, 2014 7:42 am 

Replies: 4
Views: 1304

Just wondering if everyone has their 2015 goals yet? I have a couple of goals I want to accomplish next year. 401k - Will attempt to max this out, but since I started a new job my pay will be lower than before. For 2015 it is $18,000, I won't be able to contribute to my 401k until after 90 days of e...

 Forum: Personal Finance   Topic: Teenager needs Advice

 Post subject: Re: Teenager needs Advice
Posted: Thu Nov 27, 2014 12:35 pm 

Replies: 21
Views: 2276

Seem like you got a good head on your shoulder, hopefully your girlfriend pay you all the money she owe you. Also does any of your job offer a 401k? I would definitely knock out that CC debt first and after you finish you can start building your emergency fund. The rule of thumb is normally 3 - 6 mo...

 Forum: Fiscal Fitness Journals   Topic: John 2013 Goals

 Post subject: Re: John 2013 Goals
Posted: Thu Nov 27, 2014 12:24 pm 

Replies: 11
Views: 4264

Hello people didn't realize I haven't updated this thread for awhile. A lot have changed between my career & financial goals. I quit my job in October & went with a different company. Some of you may know I spent at least 3 years over in Afghanistan, and I think that is long enough for over ...

 Forum: Personal Finance   Topic: Saving & Investing a Mortgage Down Payment?

Posted: Tue Sep 30, 2014 8:19 am 

Replies: 6
Views: 903

I would probably just stick it in a saving account or a CD. I would stay away from index fund and mutual since it can be volatile, so you don't want to lose any money when you're close to buying.

 Forum: Tips, Tricks, Links, Pointers   Topic: Rental Property: Prospective Renters

Posted: Fri Sep 26, 2014 9:08 am 

Replies: 10
Views: 10899

We have an offer to rent out our property but the prospective tenants have some questionable history. Low credit scores (low 500), unpaid medical bills, a few collection agency accounts, supposedly never late on rent. One of the tenants has a misdemeanor (Resisting Officer Without Violence (Resisti...

 Forum: News & Announcements   Topic: A nice Brit introduction!

Posted: Sat Sep 20, 2014 9:35 am 

Replies: 2
Views: 1921

Hey James,
Welcome to the forum and nice to meet you. If you have any question just ask and we will try our best to help you.

 Forum: Fiscal Fitness Journals   Topic: Dirty Laundry

 Post subject: Re: Dirty Laundry
Posted: Sat Sep 20, 2014 9:33 am 

Replies: 164
Views: 79982

Yea, I currently have only 1 rental and 1 personal home that I bought for my mom & brother to stay in. I kind of regret buying the personal home since I didn’t want it, but it’s bit complicated on the personal side. I’m not making any money on the personal home, but I am trying to convince my mo...

 Forum: Fiscal Fitness Journals   Topic: Samantha's goals

 Post subject: Re: Samantha's goals
Posted: Fri Sep 19, 2014 10:52 am 

Replies: 239
Views: 90041

Congrats Samantha on paying your mortgage off :clap: . Do you have another goal that you will be trying to accomplish?

 Forum: Personal Finance   Topic: 15,000 to invest

 Post subject: Re: 15,000 to invest
Posted: Tue Sep 16, 2014 3:27 pm 

Replies: 2
Views: 848

I will have to agree with Vintek on tapping your 401k. It’s meant for your retirement so you shouldn’t be touching your 401k and let the magic of compounding work for you. Also it seem like you want to buy a house, normally the rule of thumb is: If you need the money less than 5 years you should jus...

 Forum: General Discussion   Topic: New Truck or stay with old one.....

Posted: Tue Sep 16, 2014 3:08 pm 

Replies: 5
Views: 2254

Seem like the truck is giving you more problems than it’s worth. I say get rid of the truck and buy a used truck not a brand new one though. Just my two cents.

 Forum: Fiscal Fitness Journals   Topic: Apples Student Loans Payoff

Posted: Thu Sep 11, 2014 1:09 pm 

Replies: 85
Views: 37029

Congrats on the wedding :clap: Also good job on putting a big dent on SL#1, keep up the good work and you will eventually pay it off.
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