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Personal Finance | Forum profile
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Forum profile page for Personal Finance on http://www.savingadvice.com.
This report page is the aggregated overview from a single forum: Personal Finance, located on the Message Board at http://www.savingadvice.com.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "Personal Finance" on the Message Board at http://www.savingadvice.com is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
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Posting activity on Personal Finance:
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Week
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Month
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3 Months
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Threads:
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41
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172
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603
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Post:
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120
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598
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2,071
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Personal Finance Posting activity graph:
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Top authors during last week:
user's latest post:
Savings accounts are dead?
Published (2009-12-25 21:02:00)
Quote: Originally Posted by kork13 The only "downside" is that they're not redeemable for the first year, and they're subject to a 3-month interest penalty if redeemed within the first 5 years. The 3-month penalty can be cut to a 1-month penalty if you time your purchases and redemptions properly. I-bonds have an interesting little quirk about them. You get a full month's worth of interest regardless of when...
user's latest post:
The good & the bad
Published (2009-12-24 16:13:00)
Congratulations on getting your debt paid off. Are you buying a house?
user's latest post:
Weighing job offers
Published (2009-12-25 06:55:00)
take the cheaper cost of living. you'll come out ahead.
user's latest post:
Parents cause this? - Page 4 -...
Published (2009-12-24 18:00:00)
I am totally amazed by what I am reading. Normally this group has no issue laying the line down clear and simple. Yet, everything I have read tells me that all the mistakes I have made are my parents fault. BALONEY!!!! they are mine. and they are every single person's out there, even the 20 something's. True, a parent guides a child the best they can but a parent can do the very best of guiding and providing a proper and intelligent...
user's latest post:
Should I pay off my mortgage?
Published (2009-12-17 16:56:00)
I'd hold on to every dollar you have until you find another job. 4.65 % is not a bad interest rate on your home loan.
user's latest post:
Expensive Items
Published (2009-12-18 21:02:00)
As for the drying rack, it says it all in the copy... to paraphrase, basically why would you get caught with a $5 drying rack in your state of the art stainless steel kitchen. It's not a drying rack. It's a status symbol!
user's latest post:
Should I pay off my mortgage?
Published (2009-12-19 10:44:00)
Response to your questions above: 1) your monthly expenses (mortgage included) Approximately $3,200/mo. Includes mortgage, gas, electric, cable, internet access, home phone, cell phones, newspaper, groceries, vehicle gas, car insurance for two cars, and home insurance. No credit card debt or car loans. 2) your total assets (retirement accounts and similar) $500K in 401K savings and 100K in savings account. Home equity. 3) a retirement spending...
user's latest post:
Vanguard IRA - Fund Minimums?
Published (2009-12-20 07:33:00)
Quote: Originally Posted by disneysteve I'm curious about the 10-fund plan. Why so many? Diversification. US total stocks, US small cap, emerging markets, European, Pacific basin, high-yield corporate bonds, investment-grade bonds, TIPS, REIT, and precious metals.
user's latest post:
Weighing job offers
Published (2009-12-24 03:31:00)
Wow. . .at those incomes you are definitely in the top 1% of the population. Congrats. My pat answer is to just advise you to take the second job, the one with more income. There are many ways to shelter your money and if you want to earmark a large amount for retirement, you could use other accounts such as a Roth IRA, Traditional or new shelters out on the market (individual 401ks, I think). Worse comes to worse, you can always buy muni...
user's latest post:
Takin the Next Step
Published (2009-12-23 14:10:00)
well for starters...the bike. its a Ducati Monster 696. its 8500 OTD. Ducati cut maitenance in half starting the first. I'm purchasing a "demo" bike, so its past the first maitenance point; 600 miles. the next is at 7500 miles. that will be about $550. i already own gear. As well, ducati's only require oil every 6000 miles and that i can handle. estimated Milage is more that twice my daily drive is currently. which...
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Latest active threads on Personal Finance::
Started 1 day, 10 hours ago (2009-12-25 20:56:00)
by kork13
I've recently started getting into federal I-bonds . Currently, they're yielding 3.365%. Over the last 5 years, they have averaged 3.95% (although May-Oct 09 they yielded 0%, due to the deflationary environment--average of 4.31% excluding that irregular period).
I like the idea of I-bonds because they're one of the safest things out there, and they're designed to protect your money against ...
Started 16 hours, 15 minutes ago (2009-12-26 14:48:00)
by kork13
There are PLENTY of options available for you to overcome forgetfulness.
What credit cards do you have? Do they have websites with which you can access your credit card account? If they do, you need to explore those sites and you'd probably be surprised with the features you have available to you.
All of my credit cards allow you to set up automatic payments to pay the full statement ...
Started 2 days, 13 hours ago (2009-12-24 17:13:00)
by disneysteve
I think there are some faulty numbers there. First off, mortgage rates are nowhere near 8% right now. The average 30-year loan rate is 5.25% and if you search around, you can do better than that.
Next, you have to keep in mind that the mortgage payment is fixed for the life of the loan. It will be the same in year 30 as it is in year 1. Not so for rent. That will rise each year by 3-5% most ...
Started 18 hours, 42 minutes ago (2009-12-26 12:21:00)
by disneysteve
I don't know much about mobile home communities but one thing to keep in
mind with condos is that you can periodically get hit with special
assessments when work needs to be done. If the lot needs to get repaved or
the building needs a new roof or they decide to put in all new windows, the
cost gets divided up among all the residents and you get a bill for your
share. Of course, there is also the...
Started 2 weeks, 3 days ago (2009-12-09 08:57:00)
by AsiaTraveler
First question: Have you actually addressed the reason why you are in credit card debt first? If you take out more in student loans to pay it off but then turn around and rack it back up...then it's definitely a bad move b/c you'll wind up with more in total debt.
However, if you have addressed that, then it might be a good move. Things to consider though:
*When do you have to start ...
Started 1 week, 3 days ago (2009-12-16 15:35:00)
by LegHead1
How much does she bring in a month?
Use all the savings, pay off the highest interest card/loan first. Then focus on the rest. Maybe get a second job?
Some serious belt-tightening and extra income are a huge factor in paying this off.
Started 3 weeks ago (2009-12-05 19:55:00)
by minnie1928
I'm going to vote that you wait. You have to have a house under contract by April in order to get the tax credit. For all intents and purposes, you have no down payment and no emergency fund. Those are both key. No down payments loans aren't there like they were a few years ago. To get the best rates and to be in the best financial position, you'll want at least 20% to put down on the house....
Started 2 days, 1 hour ago (2009-12-25 05:21:00)
by sfalexi
When are you gonna give him his money? Is it set aside for a specific purpose (college, and that's IT), cause there are savings programs for college that may have different rules than a general savings account. And do you want to be able to tap into it at any point for anything or will it definitely sit dormant for many years.
Started 1 day, 3 hours ago (2009-12-26 03:22:00)
by happygirl
This has happened to me twice in the past year. I've had this card for almost 20 years and until these two incidents, I've never had a problem. Interestingly, they would not tell me what merchant compromised my info.
Oh, I don't manage my account online. They called me to let me know and they expressed my new card so I got it in about 2 days.
Started 3 weeks, 2 days ago (2009-12-03 09:38:00)
by LMA
We pick up many things from our parents wether we realize it or not.
So the answer could be possibly.
Then again, we always have a choice. We can choose to follow the blueprint set by how we were raised or we can change that blueprint.
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Hot threads for last week on Personal Finance::
Started 1 day, 10 hours ago (2009-12-25 20:56:00)
by kork13
I've recently started getting into federal I-bonds . Currently, they're yielding 3.365%. Over the last 5 years, they have averaged 3.95% (although May-Oct 09 they yielded 0%, due to the deflationary environment--average of 4.31% excluding that irregular period).
I like the idea of I-bonds because they're one of the safest things out there, and they're designed to protect your money against ...
Started 1 week, 1 day ago (2009-12-18 10:59:00)
by creditcardfree
Uh yeah...those are a lot of money. I'm more drawn to the changing pad because of the bright cheery fabrics. I don't know why it is so hard to position a baby on a rectange or square!
You could make your own cover for any changing pad in a cheery fabric, if that is what is most appealing. Much cheaper.
I've never used a dish rack. I just dry our dishes, that we wash by hand, on a towel...
Started 2 days, 1 hour ago (2009-12-25 05:21:00)
by sfalexi
When are you gonna give him his money? Is it set aside for a specific purpose (college, and that's IT), cause there are savings programs for college that may have different rules than a general savings account. And do you want to be able to tap into it at any point for anything or will it definitely sit dormant for many years.
Started 1 week, 3 days ago (2009-12-17 06:49:00)
by HistoryChick
That's fantastic! Congrats!!!
Started 2 days, 13 hours ago (2009-12-24 17:13:00)
by disneysteve
I think there are some faulty numbers there. First off, mortgage rates are nowhere near 8% right now. The average 30-year loan rate is 5.25% and if you search around, you can do better than that.
Next, you have to keep in mind that the mortgage payment is fixed for the life of the loan. It will be the same in year 30 as it is in year 1. Not so for rent. That will rise each year by 3-5% most ...
Started 3 days, 20 hours ago (2009-12-23 10:46:00)
by disneysteve
Congrats on the recent marriage and on paying off the CCs.
How are you buying the motorcycle? If not for cash, then I'd say don't do it. If you don't have a funded emergency fund, I'd say don't do it also.
Do you each have employer retirement plans (401k, 403b)? If so, are you contributing and what percentage? Do you have Roths?
Do you have a budget and know where all of your money is ...
Started 1 week, 2 days ago (2009-12-17 16:56:00)
by EconoMutt
I'd hold on to every dollar you have until you find another job.
4.65 % is not a bad interest rate on your home loan.
Started 6 days, 23 hours ago (2009-12-20 07:15:00)
by disneysteve
Vanguard's minimum is $3,000 per fund on all but 1 or 2 of there offerings. You wouldn't need to put in $30,000 all at once. As long as you have at least $3,000 to start, open your account with one fund. As you accumulate more money, you can add additional funds. If you'd like, you can start with a money market fund and then just deploy the money into other funds as you have enough for the ...
Started 16 hours, 15 minutes ago (2009-12-26 14:48:00)
by kork13
There are PLENTY of options available for you to overcome forgetfulness.
What credit cards do you have? Do they have websites with which you can access your credit card account? If they do, you need to explore those sites and you'd probably be surprised with the features you have available to you.
All of my credit cards allow you to set up automatic payments to pay the full statement ...
Started 2 days, 19 hours ago (2009-12-24 11:30:00)
by Broken Arrow
So, you are able to pay off roughly $90k a year? What do you do again? And what's the $400k for?
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