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Re: Anyone here use Personal Capital?

I use it and I like it. I have so many accounts, high yield checking, regular checking, multiple CDs, multiple IRAs and 401Ks. I need a service like this. They do call. I just won't answer any call from numbers that I don't recognize.
by CloveLeaf
Thu Jun 26, 2014 12:55 am
 
Forum: Personal Finance (Not Investing)
Topic: Anyone here use Personal Capital?
Replies: 52
Views: 5850

Re: Budget or create saving buckets?

I use excel. It is free and very flexible. Well, google spreadsheet is free.
by CloveLeaf
Thu Jun 26, 2014 12:50 am
 
Forum: Personal Finance (Not Investing)
Topic: Budget or create saving buckets?
Replies: 109
Views: 7880

Re: Mango prepaid card - 4.8% (effective) APY

Has anyone tried signing up for both spouses lately? My application went through. However, my husband's returned error message. Are they limiting to 1 per household now?
by CloveLeaf
Thu Aug 29, 2013 10:20 pm
 
Forum: Personal Finance (Not Investing)
Topic: Mango prepaid card - 4.8% (effective) APY
Replies: 74
Views: 26004

Re: Poll: $ monthly contribution to 529/college savings

We started when our daughter was 1.5 years old for $500 per month. I agree retirement saving should always come first. We max 2 401K, HSA and 2 Roth IRA before funding 529.
by CloveLeaf
Sun Aug 18, 2013 6:27 pm
 
Forum: Personal Finance (Not Investing)
Topic: Poll: $ monthly contribution to 529/college savings
Replies: 60
Views: 6402

Re: Tempted to Use Roth IRA for House Down-Payment

I wouldn't do it, but I'm single with no kids. You can never get that money back into the account. You could always rent a house or apartment in the "good" school district :) What if the landlord told you he sold the property and you need to find another place to live? It could be very ha...
by CloveLeaf
Sat Apr 20, 2013 12:32 am
 
Forum: Investing - Help with Personal Investments
Topic: Tempted to Use Roth IRA for House Down-Payment
Replies: 16
Views: 3419

Re: How does a job change affect a mortgage application?

From personal experience, as long as the new job is in the same line of your old job, you'd have no problem getting a mortgage. Both my husband and I just changed jobs, and we had zero problem getting a mortgage. We closed a month ago.

Edited for a typo...
by CloveLeaf
Sat Feb 23, 2013 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: How does a job change affect a mortgage application?
Replies: 10
Views: 1236

Re: Rules When Buying a Home (Advice for a First Time Buyer)

To me, anything more than 2X annual income is completely insane to spend on a house. Heck, right now we live in a decent place valued at 66% of yearly income and I feel no need to upgrade right now. As far as the buying experience and the inspection...write the offer such that your offering price i...
by CloveLeaf
Wed Jan 09, 2013 2:37 am
 
Forum: Personal Finance (Not Investing)
Topic: Rules When Buying a Home (Advice for a First Time Buyer)
Replies: 28
Views: 2043

Re: Extra Mortgage Payment

I recently just rate locked 30 year fixed 3.125% no points. 5% is way too high nowadays! Where did you get that rate? http://www.zillow.com/mortgage-rates/ The company I found had 300+ reviews, and A+ on BBB, http://www.myersparkmortgage.com/ 1st home purchase. Emailed back and forth providing docu...
by CloveLeaf
Thu Dec 27, 2012 2:05 am
 
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payment
Replies: 17
Views: 1956

Re: Extra Mortgage Payment

thanks everyone for the response. APR is 5.25 and no PMI. I am maxing out on 401K and HSA contribution. I can afford to pay an extra monthly payment but thinking if that money could be better off somewhere. You should refinance. 5.25 is way too high. Then you might be able to pay an extra payment A...
by CloveLeaf
Mon Dec 24, 2012 6:51 pm
 
Forum: Personal Finance (Not Investing)
Topic: Extra Mortgage Payment
Replies: 17
Views: 1956

Re: Tooth Crown

That sounds about right. I got a root canal and a porcelain crown in 08. The root canal cost $1100 and the crown cost more than $800. And I was living in a small town at the time.
by CloveLeaf
Mon Dec 24, 2012 2:49 pm
 
Forum: Personal Consumer Issues
Topic: Tooth Crown
Replies: 48
Views: 2488

Re: No Mortgage/Debt

If you take a 3% mortgage and assume a 25% marginal tax rate, your effective rate on that mortgage becomes 2.25%. This is the rate of return for paying down the mortgage early. Not quite. As you said, it gets complicated. To get the deduction, you must itemize. So you lose the standard deductions. ...
by CloveLeaf
Wed Dec 19, 2012 1:36 am
 
Forum: Personal Finance (Not Investing)
Topic: No Mortgage/Debt
Replies: 65
Views: 4548

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