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  Topic: Financial advice for a for a 23 year old
oldguy

Replies: 3
Views: 237

Post image iconForum: Personal Finance   Posted: Sat Mar 18, 2017 10:56 pm   Subject: Financial advice for a for a 23 year old
It's probably to your advantage to wait for your credit score to build up first, before doing a car refi and getting a home mortgage.

I would cap the savings at $5000, use $4400 to payoff the car. ...
  Topic: Recent Grad with some questions
oldguy

Replies: 12
Views: 387

Post image iconForum: Personal Finance   Posted: Thu Mar 16, 2017 3:56 am   Subject: Recent Grad with some questions
and work your way BACKWARDS.

We did that. I remember we were on the living room floor with a yellow pad, a slide rule, sketching rental house appreciations and stock market growth. That was years ...
  Topic: Recent Grad with some questions
oldguy

Replies: 12
Views: 387

Post image iconForum: Personal Finance   Posted: Wed Mar 15, 2017 10:19 pm   Subject: Recent Grad with some questions
1. 100% debt free.
2. A guaranteed income that is approximately 75-80%
3. Investments that can be used for extravagance,

True, that will give you a safe and solid retirement. And that's all y ...
  Topic: Recent Grad with some questions
oldguy

Replies: 12
Views: 387

Post image iconForum: Personal Finance   Posted: Wed Mar 15, 2017 8:27 pm   Subject: Recent Grad with some questions
christcorp is exactly right about 'playing the market", that jumped right off the page when you said it, lol. As he said, the SP500 Index is a longterm investment.

http://politicalcalculations.blo ...
  Topic: Recent Grad with some questions
oldguy

Replies: 12
Views: 387

Post image iconForum: Personal Finance   Posted: Wed Mar 15, 2017 5:24 pm   Subject: Recent Grad with some questions
Should I pay off all the debt as fast as I can? or should I pay it as is and put the extra money in savings or invest with it?

I retain the use of my money - and keep my loans full term.

I get ...
  Topic: Buying a home - lots of student debt
oldguy

Replies: 5
Views: 400

Post image iconForum: Personal Finance   Posted: Mon Mar 13, 2017 10:25 pm   Subject: Buying a home - lots of student debt
Unfortunately, because my wife is divorced and has children from her previous marriage, we are required to stay in the area for custody reasons. Moving out to the country is not an option.

You mig ...
  Topic: Introduction - Passive Income Wise
oldguy

Replies: 4
Views: 337

Post image iconForum: Introductions   Posted: Fri Mar 10, 2017 12:25 am   Subject: Introduction - Passive Income Wise
My name is Francisco. I’m a 29 years old guy from Spain living in Cambridge (UK). I work as an engineer while I’m finishing a PhD in data analysis.

In my opinion, you are applying your resourc ...
  Topic: Roth IRA advice
oldguy

Replies: 2
Views: 444

Post image iconForum: Retirement Planning   Posted: Wed Mar 08, 2017 2:29 am   Subject: Roth IRA advice
At this point in time I don't feel I have enough knowledge to manage my own account.

Investing, becoming wealthy, has an interesting dichotomy. In THEORY, investing is very complex - stocks, ETFs, ...
  Topic: How should I pay things off?
oldguy

Replies: 4
Views: 530

Post image iconForum: Personal Finance   Posted: Mon Mar 06, 2017 9:12 pm   Subject: How should I pay things off?
in the process of paying off all my debt.

Starting at the beginning - why do you want to pay off all of your debt?

A $22,000 debt load with $6600 of it backed by collateral, is not a large debt ...
  Topic: A Financial Advisor
oldguy

Replies: 14
Views: 11018

Post image iconForum: Retirement Planning   Posted: Mon Mar 06, 2017 7:57 pm   Subject: A Financial Advisor
Our portfolio is approx $350K.

If you did the SP500 Index Fund from Oct 2014 until now, your $350k is about $490k (the Trump Bump helped). And if you invested another $10k/yr since you posted, yo ...
  Topic: Capital Gains on Investment Property
oldguy

Replies: 6
Views: 572

Post image iconForum: Taxes   Posted: Wed Mar 01, 2017 4:33 pm   Subject: Capital Gains on Investment Property
trading Ohio houses for TN houses. So it would make a difference if I used the proceeds to buy another house here in TN?

That "proceeds" rule applied only to your residence - and it was cancelled ...
  Topic: Capital Gains on Investment Property
oldguy

Replies: 6
Views: 572

Post image iconForum: Taxes   Posted: Tue Feb 28, 2017 9:27 pm   Subject: Capital Gains on Investment Property
Is there any way to reduce capital gains on sale of investment property? I will not be buying another home with the proceeds.

Also, do I pay capital gains for TN where I live, or Ohio where the pro ...
  Topic: money making fast
oldguy

Replies: 2
Views: 232

Post image iconForum: Money Watch   Posted: Tue Feb 28, 2017 3:23 pm   Subject: money making fast
Wow Davist, I haven't seen this old scam for several years! LOL. You must be young?
  Topic: safe Liquid investment for IRA
oldguy

Replies: 6
Views: 487

Post image iconForum: Retirement Planning   Posted: Mon Feb 27, 2017 8:35 pm   Subject: safe Liquid investment for IRA
I plan to use this money for a first time home purchase sometime within the next year. right now the money is just sitting stagnant in the account. rather than let it sit I wanted to put it in a vehi ...
  Topic: Investment Properties...which way to turn
oldguy

Replies: 4
Views: 501

Post image iconForum: Real Estate   Posted: Mon Feb 27, 2017 1:35 am   Subject: Investment Properties...which way to turn
What kind of investment

I use the SP500 Index Fund, the no-load fund companies have them - Vanguard or Fidelity. The longterm return has averaged 11%/yr. But, at our age, we are past our wealth-bu ...
 
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