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Re: For those who started late.. how did you save for colleg

I guess we started late on the college thing because we were more interested in saving for retirement. So I am not sure what you mean. Do you mean where did we put our savings for college? Or did you mean how did we come up with any money to save for college? Those are fundamentally two different q...
by AtlantaFamily-2013
Thu May 09, 2013 3:25 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those who started late.. how did you save for college??
Replies: 28
Views: 2669

For those who started late.. how did you save for college??

Hello all... I have posted my story on here before so I wont bore you with it again :) Lets just say I made some poor decisions early on and now I want to do better. My son is entering High School next year (9th grade). My wife and I want to begin saving towards his college education. I have being r...
by AtlantaFamily-2013
Wed May 08, 2013 4:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: For those who started late.. how did you save for college??
Replies: 28
Views: 2669

Re: College Time has arrived... and we need some advice.

thanks for all the great responses and advice. To answer those who wanted to know if I have been back to the post.. YES!! Everyday, all day. Im addicted to this board. There has been so much great information and options for us to consider being posted here that I really didnt see a reason to interr...
by AtlantaFamily-2013
Tue Apr 30, 2013 2:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Time has arrived... and we need some advice.
Replies: 51
Views: 3954

College Time has arrived... and we need some advice.

My daughter is off to college in the fall. With change/loss of jobs in the last 3-4 years, our family really took a financial hit. Not to mention, we could have been better stuarts over our money.. but I guess you live and learn. Most of our savings was used to stay a float. Within the last 2 years ...
by AtlantaFamily-2013
Thu Apr 25, 2013 4:30 pm
 
Forum: Personal Finance (Not Investing)
Topic: College Time has arrived... and we need some advice.
Replies: 51
Views: 3954

What are your thoughts on Dave Ramsey's Total Money Makeover

My wife and I are really working on cleaning up and taking control of our finances. We have been listening to Dave Ramsey and thinking about trying his program. Just wanted to hear what you all thought about it or if any have tried it? Any help would be appreciated. Thanks!
by AtlantaFamily-2013
Mon Apr 22, 2013 11:11 am
 
Forum: Personal Consumer Issues
Topic: What are your thoughts on Dave Ramsey's Total Money Makeover
Replies: 33
Views: 3787

Re: FHA Streamline Refinance ?

looks like it wont age off until November.. geeezzz, I was hoping to refinance before then. Hoping not to miss out on the great interest rates. Is it best to wait or attempt to refinance under another program?
by AtlantaFamily-2013
Mon Apr 22, 2013 10:53 am
 
Forum: Personal Finance (Not Investing)
Topic: FHA Streamline Refinance ?
Replies: 5
Views: 634

FHA Streamline Refinance ?

Hello.. We are looking to refinance our home under a FHA Streamline Refinance. We currently owe $115, 000 at 6.5% and our mortgage is with WellsFargo. I called to discuss with them and was told that we could not refinance FHA Streamline with them at this time because we had 2 late payments last year...
by AtlantaFamily-2013
Wed Apr 17, 2013 2:56 pm
 
Forum: Personal Finance (Not Investing)
Topic: FHA Streamline Refinance ?
Replies: 5
Views: 634

Re: Please help with 401k Allocation

You both have been such a GREAT help to both of us. We really appreciate it all. We finally decided to go with:

His - Life Path 2035
Her - 35-To-Go

We took all of your advice and felt comfortable with these funds. Im addicted to this board now and Im learning so much!!!
by AtlantaFamily-2013
Wed Apr 17, 2013 11:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

you all have provided such great information to my wife and I via this forum. We debating over the weekend and thought we were set on going with a target date fund from each of our 401k plans. We were looking for a 70/30 AA. I was going to go with the BTC LifePath 2030 which I believe is about 70/30...
by AtlantaFamily-2013
Mon Apr 15, 2013 2:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

This site is just amazing!! Thank you guys so much for really taking the time to break all of this information down for me. Im saving everything thats here...seriously. I just updated my original post with my wife's 401K info. She cant start contributing until next week but she got the info. Ssssooo...
by AtlantaFamily-2013
Thu Apr 11, 2013 10:46 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

thanks pingo.. thats the first response I received in reference to the Target Date Fund. Here is the Fact info to the LifePath Index 2040 Fund Q : LifePath Index 2040 Fund Q Equity Index Fund E 38.10% BlackRock MSCI ACWI ex-U.S. IMI Index Fund E 22.92% U.S. Debt Index Fund E 17.03% Extended Equity M...
by AtlantaFamily-2013
Thu Apr 11, 2013 1:59 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

thanks for the help. The initial AA you recommended was based on 60/40. How would you adjust it to reflect 70/30? Also you seem favor the Vanguard funds, can you tell me why? Trying to learn as much as possible. :)
by AtlantaFamily-2013
Wed Apr 10, 2013 11:58 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

Am I being too conservative by investing 60/40?
by AtlantaFamily-2013
Wed Apr 10, 2013 4:02 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

thanks for all your replies. Yes, actually we are looking to refinance now. This too, is new for us. :) Any recommendations or companies you all can recommend for that would be helpful as well. Trying to correct and better our finances.
by AtlantaFamily-2013
Wed Apr 10, 2013 3:19 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

Yes its about 90% stock. Asset Allocation for the BTC Lifepath 2055 that I am currently fully invested in listed below. Should I be investing this aggressively in stock with my age (36), hoping to retire in about 30 yrs or doing a more 60/40 ratio? AS OF 3/31/2013 Fund Preferred Stock 0.16% Others 2...
by AtlantaFamily-2013
Wed Apr 10, 2013 1:51 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

sorry.. I updated my post once again with the info you all requested. Sorry about the mistakes, Im definitely a newbie trying to learn. I appreciate the patience.
by AtlantaFamily-2013
Wed Apr 10, 2013 1:32 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Re: Please help with 401k Allocation

Correction made and Post updated. Thanks.
by AtlantaFamily-2013
Wed Apr 10, 2013 12:13 pm
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

Please help with 401k Allocation

Hello All. I am Married 36 years old and have 2 kids. I am finally on track financially and looking to really get the right allocation mix for my 401k. My company matches up to 5% and right now that is how much I am contributing. I am currently 100% invested in BTC LIFEPATH 2055 and that is only bec...
by AtlantaFamily-2013
Wed Apr 10, 2013 1:37 am
 
Forum: Investing - Help with Personal Investments
Topic: Please help with 401k Allocation
Replies: 27
Views: 2545

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