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pay off mortgage early?
posted by: linuxjim123 @ Sat Jan 31, 2015 4:58 am
Hello folks,
I know conventional wisdom says pay the mortgage and invest savings however I'm interested in your opinion. I am 37 and have almost 400k in my 401k. I have a mortgage and I have exactly enough in savings to pay it off. My wife is considering quitting working with our second on the way, However, with the mortgage, we can't afford it from a cash flow perspective. The savings is in a S&P inex fund and the mortgage is 2.75% for another 13 years. Question is; With the 401k in the market am I over exposed and would it be a...
Comments: 2 :: Read More >> pay off mortgage early?


heeeeeeeeeeelllllllllllllllllpppppppppppppp
posted by: sincityboy @ Fri Jan 30, 2015 3:18 pm
Shocked

Hello people,

Did you ever had a problem with unpaid , overdue invoice from the company you have been working for ?
I do now!!

Let me know if any of you got a contact or cnowlage about how to vindicate a money from the company from Poland , that is overdue more than 60 days now.

let me know, I will be entering this page every 10 mins to get this issue sorted!
Comments: 1 :: Read More >> heeeeeeeeeeelllllllllllllllllpppppppppppppp


Plan SMART!
posted by: MissAnaKerr @ Fri Jan 30, 2015 10:24 am
New Year's Resolution: Is one of your personal goals involving personal financial management?

Happy New Year everyone! I just want to say, I hope we all have our new year's resolutions with us to keep us on track as to how we want our new year to go. I sure have my list with me. Now my question is, is your list SMART too?

I just want to share to you guys how much I realize that my last year's resolutions didn't go as planned. I told myself last year that I will save more, but after the end of the year I had little to no savings in my ban...
Comments: 0 :: Read More >> Plan SMART!


everybody can easily get $10 on HappyMinerCoupon.Com
posted by: kolotoc @ Thu Jan 29, 2015 9:18 pm
Hello Everyone,

I am telling you the legit website that paying 10$ for everyone who sign up on this site.

1. Go to http://happyminercoupon.com and signup

2. Post about it on 5 different forums

3. Redeem your free coupon

4. Go to https://www.virtaex.com and sell your coupon

5. Receive your easy $10 to PayPal or Skrill

This is legit and paying website.

I am also trying it out and as soon as I get the payment I will post it here.

Thanks.
Comments: 0 :: Read More >> everybody can easily get $10 on HappyMinerCoupon.Com


Anyone ever here about Phil's Gang?
posted by: BigBear69 @ Thu Jan 29, 2015 3:25 pm
If so I want to know if you had a good/bad experience. I will be glad to tell you my experience with Phil and the Gang. I have had a very good learning experience at www.philsgang.com Very Happy [b]
Comments: 0 :: Read More >> Anyone ever here about Phil's Gang?


28y & just discovering my financial profile
posted by: mattryan86 @ Thu Jan 29, 2015 3:20 am
Hi there. I'm 28 years old, debt free, renting, living very conservatively, making $40K a year, expecting a raise in the near future at the company I've worked at for 5+ years. I've began to think about buying a house in 6+ years and thinking about retirement when the time comes. So far I've got 40K cash saved up in a CD account making 1.3% interest off it. I'm just now realizing that investing in index stocks have FAR BETTER interest rates than my CD account and should most likely benefit me in saving towards a down payment on a house in the n...
Comments: 5 :: Read More >> 28y & just discovering my financial profile


Wife's 401k HELP
posted by: AppState @ Thu Jan 29, 2015 1:12 am
My wife has about 20k in her 401k. She puts 5% in and employer matches 3%. Her options are abundant, I have two questions:

1. What would be the best to invest in, there are so many good choices. Options are pasted below.

2. I have very few options at my work, I put in 17% and company matches 6%. Everything goes into FID CONTRAFUND (FCNTX). Should I lower my contributions and up hers? I have 30k in my 401k. We are both 30 years old and all our debt will be paid off in June except house and 1 car at 3%.

Thanks in advance for your...
Comments: 6 :: Read More >> Wife's 401k HELP


Doing my own 'Last Will and Testment' Can I do this.....??
posted by: raemart @ Wed Jan 28, 2015 9:39 pm
Hello, my IRA, Roth and personal brokeage accounts have designated beneficiaries and contingents so they are not in question upon my demise(long way out, I hope). However, homes and bank accounts need a completed 'Last Will and Testment' in order not to go into probate, correct? My question... is there a way to have designated beneficiaries on homes and bank accounts like we have with 401K's, Roth, IRAs and personal brokerage accounts?

I am making a will out now for homes, bank accounts and personal belongings etc, etc. I downloaded ...
Comments: 5 :: Read More >> Doing my own 'Last Will and Testment' Can I do this.....??


Student loan debt advice...
posted by: x3Harvey @ Wed Jan 28, 2015 1:24 am
My husband and I have been married for 2 years. We both work full time, have bachelor's degrees and are not underemployed. My husband is a Chemist and had $82,000 of student loan debt when we got married. We consolidated what we could, and even with consolidation, our minimum monthly payments were close to $800/month (now down to around $600 as we've paid off two loans). We normally overpay for a total of about $1000/month. There are four loans remaining, ranging from just a few thousand in principal to more than $20,000. Some of the loans are ...
Comments: 14 :: Read More >> Student loan debt advice...


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