| Author |
Message |
 Topic: Pay off Loan or Invest? |
Darga19
Replies: 16
Views: 5773
|
 Forum: Personal Finance Posted:
Thu Jan 13, 2011 1:57 am Subject: Pay off Loan or Invest? |
The 2.77% loan is a fixed rate.
Then I'd definitely keep it for the duration like oldguy said, as long as you don't anticipate having problems paying the monthly payment, which it doesn't sound lik ... |
| Topic: Pay off Loan or Invest? |
Darga19
Replies: 16
Views: 5773
|
Forum: Personal Finance Posted:
Thu Jan 13, 2011 12:16 am Subject: Pay off Loan or Invest? |
Are the 2.77% loans fixed or variable rate?
Should thought be given to that? I'm giving thought to that myself, because some of my student loans are a low rate around 2.3%, but the rate is variable ... |
| Topic: How much should I be saving? |
Darga19
Replies: 45
Views: 42279
|
Forum: Personal Finance Posted:
Thu Jan 13, 2011 12:08 am Subject: How much should I be saving? |
bijan.
What you do with 'savings' is far more important than how much you save - consider 3 examples:
Ex #1 - Save $200/m in a 12% fund for 35 years = $1,160,000.
Ex #2 - Save $200/m in a 5% CD fo ... |
| Topic: I just want to put more money away... |
Darga19
Replies: 10
Views: 2078
|
Forum: Personal Finance Posted:
Wed Jan 12, 2011 11:51 pm Subject: I just want to put more money away... |
I'll let the experts give you advice on where and how to invest...
From a glance, I'd say your first priority should be to get rid of the CC debt (assuming you're carrying a balance and paying inte ... |
| Topic: Wait to start Roth IRA? |
Darga19
Replies: 13
Views: 5699
|
Forum: Retirement Planning Posted:
Wed Jan 12, 2011 2:01 am Subject: Wait to start Roth IRA? |
Another site you may want to check out for opinions:
http://www.bogleheads.org/forum/index.php
Lots of great info on there.
I'd get going on that Roth if I were you. I'm currently graduated a ... |
| Topic: Anyone have energy to give some advice to another 26yo? |
Darga19
Replies: 18
Views: 9423
|
Forum: Retirement Planning Posted:
Tue Jan 04, 2011 4:12 pm Subject: Anyone have energy to give some advice to another 26yo? |
Glad to hear my thread was so inspirational! 
I also am stuck paying into a 401k that really only offers managed funds with an ER about 1. It's BS but a bad 401k with a pretty good match is bette ... |
| Topic: Retirement planning and options at age 26? |
Darga19
Replies: 10
Views: 5106
|
Forum: Retirement Planning Posted:
Mon Jan 03, 2011 11:11 pm Subject: Re: Retirement planning and options at age 26? |
Consider me not doing any investment right now
Maybe he meant 'considering that I'm not currently doing any investing'....?
I work for a Japanese company...things get lost in translation pretty ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Mon Jan 03, 2011 11:08 pm Subject: Turning 26yrs in Jan / retirement situation advice |
I just want to chime in and say thank you for this calm rational debate. I really took a lot away from it.
+1 for this.
Thank you to the guys who gave all the good info. I just asked the questi ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Mon Jan 03, 2011 11:07 pm Subject: Turning 26yrs in Jan / retirement situation advice |
Man, you are too young to be thinking about retirement but i have so much respect for people who think in advance.
I disagree about being too young...I just think I'm a bit of a rare bird. IMO more ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Wed Dec 22, 2010 5:09 pm Subject: Turning 26yrs in Jan / retirement situation advice |
What kind of music do you like?
I love when people ask me this lol 
(big breath in...) I listen to everything from classic rock like Aerosmith and Jimi Hendrix and the Stones, to cheesy ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Wed Dec 22, 2010 1:45 pm Subject: Turning 26yrs in Jan / retirement situation advice |
Darga, I think we've hijacked your thread……. 
Have at it. I like hearing educated and experienced people talk about interesting topics...knowledge is priceless.
Just like playing guitar wit ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Tue Dec 21, 2010 1:51 pm Subject: Turning 26yrs in Jan / retirement situation advice |
Thanks for your thoughts guys.
All that said, I'm going to allocate my large cap stock portion of my 401k into that index. The funds I'm in now have higher expense ratios and over the past 10 year ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Mon Dec 20, 2010 5:35 pm Subject: Turning 26yrs in Jan / retirement situation advice |
2 Questions regarding index funds...
1. (This one I also posted earlier...really curious here...). Are there ups or downs to putting all /part of 401k large cap stocks in an index fund (I have the ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Mon Dec 20, 2010 1:03 pm Subject: Turning 26yrs in Jan / retirement situation advice |
| When my investments were all funds; I gave each a percent of the p'folio; when one fund exceeded its percent by 10 percent (i.e. a 20% allocation went over 22%) then I did no more buying of that fund; ... |
| Topic: Turning 26yrs in Jan / retirement situation advice |
Darga19
Replies: 92
Views: 111467
|
Forum: Retirement Planning Posted:
Sat Dec 18, 2010 4:52 pm Subject: Turning 26yrs in Jan / retirement situation advice |
| 1. Ups or downs to putting all 401k large cap stocks in an index fund (I have the Dryden SP500 available to me) as opposed to splitting between the 2 Growth and Value funds that are available? ....one ... |
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