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  Topic: Buying a home - lots of student debt
littleroc02us

Replies: 5
Views: 399

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: 167

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: 2
Views: 444

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: 528

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: 1474

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: 934

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: 1138

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: 1307

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: 1635

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 ...
  Topic: Watch MJLB
littleroc02us

Replies: 1
Views: 952

Post image iconForum: Earning & Income   Posted: Tue Nov 29, 2016 3:53 pm   Subject: Watch MJLB
I'm deleting your other two posts because promoting an opportunity or business isn't allowed on this forum. Read the forum rules before posting please.
  Topic: Managing Debt before Kids
littleroc02us

Replies: 7
Views: 3845

Post image iconForum: Credit & Loans   Posted: Tue Nov 15, 2016 7:45 pm   Subject: Managing Debt before Kids
I use to get that a lot when we married I was 35 and she was 26. craddle robber right. The truth is men are typically delayed in maturity compared to women, so it works quite well. At least when I ...
  Topic: Managing Debt before Kids
littleroc02us

Replies: 7
Views: 3845

Post image iconForum: Credit & Loans   Posted: Tue Nov 15, 2016 3:23 pm   Subject: Managing Debt before Kids
I'm now 45 and my wife is 36 and we have two wonderful boys, 5 and 8 months. In our early 30's we had 30k in student loan debt and some credit card debt. Immediately when we were married at age 35 ...
  Topic: Debt Free and Will Inherit a Bunch
littleroc02us

Replies: 9
Views: 5164

Post image iconForum: Personal Finance   Posted: Fri Nov 11, 2016 2:21 pm   Subject: Debt Free and Will Inherit a Bunch
A couple of things jump out at me. You state your yearly income is 12k. How are you getting by at that salary, that's below poverty level? Second, your 57, which although is still quite young and ...
  Topic: I can't attach my siganture??
littleroc02us

Replies: 4
Views: 2127

Post image iconForum: Admin Desk   Posted: Thu Oct 27, 2016 4:16 pm   Subject: I can't attach my siganture??
It appears that there has been some type of glitch with this feature and I will forward your request to the admin to see about a resolution.

Thanks

Marcus
  Topic: Mid-thirties, better to purchase long-term care insurance or
littleroc02us

Replies: 2
Views: 2700

Post image iconForum: Personal Finance   Posted: Thu Oct 20, 2016 2:47 pm   Subject: Mid-thirties, better to purchase long-term care insurance or
Why not look into long term disability through your employer or the free market to cover the what if you get hurt or disabled. Long Term care insurance is a very good benifit, but premiums have skyro ...
 
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