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  Topic: pay off debt vs necessary home repair
littleroc02us

Replies: 5
Views: 1411

Post image iconForum: Personal Finance   Posted: Thu Apr 27, 2017 8:39 pm   Subject: pay off debt vs necessary home repair
If it were me, I'd keep the cash liquid,. First reason is because you stated you'll need 2 to 3k for a house repair. That leaves maybe 3k which I would put in the bank for an EF. Don't touch this f ...
  Topic: 700 Kg Bear V/s 1100 Kg Bull
littleroc02us

Replies: 7
Views: 563

Post image iconForum: Investing, Stocks and Bonds   Posted: Wed Apr 19, 2017 2:36 pm   Subject: 700 Kg Bear V/s 1100 Kg Bull
Ok, all opinions are accepted, but in this particular topic you're three posts are basically you just teaching us what you think about the Bull and the Bear Market. Is there a question you have for ...
  Topic: 700 Kg Bear V/s 1100 Kg Bull
littleroc02us

Replies: 7
Views: 563

Post image iconForum: Investing, Stocks and Bonds   Posted: Tue Apr 18, 2017 8:24 pm   Subject: 700 Kg Bear V/s 1100 Kg Bull
I have noticed in most of your posts so far, you aren't really asking anyone for advice, you're just posting articles and replying to your own threads. This website is for engaging in ideas, asking q ...
  Topic: Loan Advice
littleroc02us

Replies: 3
Views: 689

Post image iconForum: Personal Finance   Posted: Wed Apr 05, 2017 2:30 pm   Subject: Loan Advice
The Federal or private loan, which one would you like to discuss. Or should I consider this post spam?
  Topic: How to pay for college? Loans or Stocks
littleroc02us

Replies: 3
Views: 1046

Post image iconForum: Credit & Loans   Posted: Tue Apr 04, 2017 7:32 pm   Subject: How to pay for college? Loans or Stocks
Trying to time the market is something even the experts cannot do time and time again. The last figure I heard was that no Professional stock trader can beat the market consistenly and only 15% of th ...
  Topic: My Spouse's Massive Student Loan Debt
littleroc02us

Replies: 4
Views: 1227

Post image iconForum: Credit & Loans   Posted: Wed Mar 29, 2017 4:07 pm   Subject: My Spouse's Massive Student Loan Debt
[quote="lyssamae01"

His degree is in Physical Therapy, and the salary just doesn't match the cost of schooling here. The $90,000 I quoted is a 40+ hour job PLUS a side job working as a PRN PT for h ...
  Topic: Buying a home - lots of student debt
littleroc02us

Replies: 5
Views: 1346

Post image iconForum: Personal Finance   Posted: Mon Mar 13, 2017 9:09 pm   Subject: Buying a home - lots of student debt
I have been an avid Dave Ramsey fan for around 10 years. His plan allowed us to get out of debt and pay down on our mortgage. I'm also an avid listener of Bigger Pockets and Clark Howard. My belief ...
  Topic: Which to pay down? Credit card or car??
littleroc02us

Replies: 2
Views: 1054

Post image iconForum: Credit & Loans   Posted: Mon Mar 13, 2017 8:22 pm   Subject: Which to pay down? Credit card or car??
Since their both debts, how much do you owe on the cc's?
  Topic: Roth IRA advice
littleroc02us

Replies: 3
Views: 1949

Post image iconForum: Retirement Planning   Posted: Wed Mar 08, 2017 8:21 pm   Subject: Roth IRA advice
I agree with what Old Guy is saying about investing in the stock market for the long term, because what you have going for you is time and compound interest. When I was in my late 20's I put 6k in th ...
  Topic: How should I pay things off?
littleroc02us

Replies: 4
Views: 1813

Post image iconForum: Personal Finance   Posted: Mon Mar 06, 2017 7:56 pm   Subject: How should I pay things off?
Do you have an emergency fund? If not take $1000 and setup that aside for any problems that arise in life. Then take $5,000 and put it towards the car loan. Asap, pay off the car loan which opens ...
  Topic: Credit cards and FICO scores, how much is too much?
littleroc02us

Replies: 5
Views: 3770

Post image iconForum: Credit & Loans   Posted: Tue Jan 17, 2017 9:50 pm   Subject: Credit cards and FICO scores, how much is too much?
My wife and I have credit scores over 800 and only use 1 credit card with a 11k credit limit. The FICO score largest factors are the following.

1. 35% is based off of your payment history. Mak ...
  Topic: Illinois - Seller Lied about Flooding in Home
littleroc02us

Replies: 1
Views: 2167

Post image iconForum: Real Estate   Posted: Thu Jan 12, 2017 3:34 pm   Subject: Illinois - Seller Lied about Flooding in Home
To me it would come down to the actual wording in the contract for disclosure. You may need to involve a lawyer if you feel the wording doesn't describe the problem your having.
  Topic: Agents advising me to turn in offer at or above list price?
littleroc02us

Replies: 4
Views: 2604

Post image iconForum: Real Estate   Posted: Thu Jan 12, 2017 3:32 pm   Subject: Agents advising me to turn in offer at or above list price?
I would ask your realtor to justify the full list price based on the comps they pull. That should give you some concrete info.
  Topic: How much do you tell your kids about your assets?
littleroc02us

Replies: 2
Views: 2940

Post image iconForum: Personal Finance   Posted: Thu Jan 05, 2017 10:16 pm   Subject: How much do you tell your kids about your assets?
Do you have a will? If so, I would suggest giving each of them a copy and explaining in detail what would happen when you pass away. My parents update and give us copies with explanations every 5 y ...
  Topic: When does a low offer become insulting?
littleroc02us

Replies: 3
Views: 3136

Post image iconForum: Real Estate   Posted: Thu Dec 15, 2016 4:58 pm   Subject: When does a low offer become insulting?
I ran into the same situation 2 years ago when we were looking at a new house on a lake. It needed about 100k in repairs, was near a busy highway and fair market value said it was worth 260k before a ...
 
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