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Re: Help with some important financial questions

Thanks for your feedback. 1. The rate is fixed at .99%. I guess based on your feedback I should continue to pay off the car for the next 2-years. Now that I have about 40K in my savings account, should I continue to save 30%/year for next couple of years - 40k would be sufficient for my portion of t...
by abs9986
Wed Apr 08, 2015 12:01 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with some important financial questions
Replies: 9
Views: 875

Help with some important financial questions

All, I have a number of personal financial situations I wanted like to seek your guidance on: 1. Car Payment – Last year, I purchased a new sedan for approximately 22K out the door. I paid approximately 5K, and I have a three year loan on for the remaining 17K at .99%. I have about 40K in my savings...
by abs9986
Tue Apr 07, 2015 3:12 pm
 
Forum: Personal Finance (Not Investing)
Topic: Help with some important financial questions
Replies: 9
Views: 875

Re: Yearly Expenses - How am I doing?

whoops - good catch on the fiancee bit. Restuarants is a little high because I'm usually the one paying - but I agree I should try to cut back alittle here. Haircuts with tip cost $25 The iphone is just for the phone - I am luckily still on my parent's plan. Live in the DC/Baltimore area. For cable/...
by abs9986
Fri Jan 23, 2015 11:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Yearly Expenses - How am I doing?
Replies: 21
Views: 2395

Re: Yearly Expenses - How am I doing?

To clarify, these are just my expenses not counting what my fiancé spends. We do split certain things like she pays the energy bill and I pay the Internet bill. The auto insurance of 1k is for both cars so I am really only paying half of that. I wanted to focus just on expenses so I am not including...
by abs9986
Fri Jan 23, 2015 9:35 am
 
Forum: Personal Finance (Not Investing)
Topic: Yearly Expenses - How am I doing?
Replies: 21
Views: 2395

Yearly Expenses - How am I doing?

Hi all, I just compiled my yearly expenses (rough estimate of CY2014) and wanted to get your feedback as to how I am doing. Some of the expenses were hard to calculate because I live with my fiancé, but I have provided a rough estimate. Age: 28 Salary 65K Total Expenses 26K I feel like I try to save...
by abs9986
Thu Jan 22, 2015 9:13 pm
 
Forum: Personal Finance (Not Investing)
Topic: Yearly Expenses - How am I doing?
Replies: 21
Views: 2395

Re: Used Car Purchase...Please Help

I have tried headlight kits but the lights themselves just [stink --admin LadyGeek] . I will not sell this car as it is only in fair condition with high mileage. Will likely donate to charity. Based on responses, I should keep the car longer like maybe another year and then look to buy either a new ...
by abs9986
Thu May 30, 2013 12:02 pm
 
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 2524

Re: Used Car Purchase...Please Help

I drive about 10000 miles a year. This would not be a family car. So it sounds like most people are recommending until I can afford a new car or a used car that is only a few years old. I could keep my car longer. I have just been saying that for a couple of years now. The car is 16 years old but I ...
by abs9986
Tue May 28, 2013 7:13 am
 
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 2524

Re: Used Car Purchase...Please Help

20K - but this includes my emergency fund and me trying to save for a house downpayment that would be in the future.
by abs9986
Mon May 27, 2013 7:38 pm
 
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 2524

Used Car Purchase...Please Help

All, I appreciate your help and insight into a potential used car purchase. I will outline the following scenarios below. Basically, I have a 1997 Civic that has 193,000 miles on it. The car is in relatively good condition; however, I feel like it's time for me to get a newer car and I am a little c...
by abs9986
Mon May 27, 2013 6:37 pm
 
Forum: Personal Consumer Issues
Topic: Used Car Purchase...Please Help
Replies: 33
Views: 2524

Re: Moving to Baltimore, advice on finding a place to rent?

For umms I would reccomend mt Vernon as you could walk to work. I have lived in Baltimore for 3 years. The only places you should consider are mt Vernon, fells point, canton, federal hill/otterbein , and maybe Charles village. I have Persially lived in federal hill, harbor east and fells point. Neve...
by abs9986
Thu Apr 11, 2013 10:00 pm
 
Forum: Personal Consumer Issues
Topic: Moving to Baltimore, advice on finding a place to rent?
Replies: 18
Views: 1610

Turbotax problem please help!!!

I'm filing a relatively simple tax return - only complicated issue is that I moved from NYC to MD about halfway through the year. Everything is fine until I get to the NY state tax portion. After entering all info in it is reporting the wages as the full amount on my federal return. I should be abou...
by abs9986
Sat Feb 09, 2013 10:22 pm
 
Forum: Personal Finance (Not Investing)
Topic: Turbotax problem please help!!!
Replies: 5
Views: 1025

Repetitive Stress Injury...Need Financial/Career Advice

I am 26 and live in the State of Maryland with B.S in Business. Since graduating, my career has focused on process improvement, business analysis, and operations. My most recent position was a Business Analyst where I was employed 5 months. Due to the nature of the work, I was on the computer nearly...
by abs9986
Thu Jan 24, 2013 9:33 am
 
Forum: Personal Finance (Not Investing)
Topic: Repetitive Stress Injury...Need Financial/Career Advice
Replies: 8
Views: 925

Re: 25 Year Old Investor Portfolio (update)....your thoughts

Any other thoughts before I take the plunge and set up how I stated above?
by abs9986
Fri Jun 01, 2012 3:53 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Investor Portfolio (update)....your thoughts
Replies: 6
Views: 777

25 Year Old Investor Portfolio (update)....your thoughts

I have spent the last week reading these forums and have received some help with my initial investment question. I have formulated a new strategy and wanted you feedback: Emergency funds = Yes (10K in Bank of America Checking Account) No Debt Tax Filing Status: (Single) Tax Rate: 25% Federal 4% MD A...
by abs9986
Wed May 30, 2012 8:29 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25 Year Old Investor Portfolio (update)....your thoughts
Replies: 6
Views: 777

Re: 25-Year Old (New Investor) - Please Help!

Thank you for the quick replies! I was wondering - there must be other people on this forum with similar age, expenses and goals as me. In my case 25-year old, no debt, just starting out and wanting to invest in index funds. Is there a post or guide that speaks specifically to someone in my situatio...
by abs9986
Mon May 21, 2012 9:23 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25-Year Old (New Investor) - Please Help!
Replies: 15
Views: 1645

Re: 25-Year Old (New Investor) - Please Help!

What are the other books in the reccomended reading list by the way?
by abs9986
Mon May 21, 2012 3:05 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25-Year Old (New Investor) - Please Help!
Replies: 15
Views: 1645

Re: 25-Year Old (New Investor) - Please Help!

I updated my original post to format it in the recommended way (I kept the original post above as well) The issue is: I'm putting about 15% of my income into retirement. Yes, I could put more - but don't I want to have investments for other things before retirement (house, vacations, cars, other big...
by abs9986
Sun May 20, 2012 9:09 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25-Year Old (New Investor) - Please Help!
Replies: 15
Views: 1645

25-Year Old (New Investor) - Please Help!

I just finished reading the four pillars of investing and am really interested in setting up an investment portfolio. I am 25 years old, so I obviously have a lot of time to invest and am not too adverse to risk. I have a lot of questions so thank you for your help and patients. Retirement - I have ...
by abs9986
Sun May 20, 2012 7:36 pm
 
Forum: Investing - Help with Personal Investments
Topic: 25-Year Old (New Investor) - Please Help!
Replies: 15
Views: 1645

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