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Re: Help with portfolio

OK, then you should edit your OP to show that you're in the 15% bracket, or you'll have more respondents steering you away from Roth. So is this right? $102,000 gross income - $2,000 SIMPLE contributions - $6,000 pre-tax health, dental, and disability insurance premiums withheld from your pay - $7,...
by kfindley79
Sun Feb 10, 2013 11:19 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio
Replies: 6
Views: 604

Re: Help with portfolio

First time poster so I just realized that I wasn't as detailed in my original post as I should have been. You can add mandatory contributions to state retirement (457). That amounts to ~$7500 pretax per year. Corrections are found below. Sorry! Tax Rate: 25% Federal, 6% State Income: 102K You should...
by kfindley79
Sun Feb 10, 2013 10:39 am
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio
Replies: 6
Views: 604

Re: Help with portfolio

Bump...
by kfindley79
Sat Feb 09, 2013 9:33 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio
Replies: 6
Views: 604

Help with portfolio

Any guidance would be greatly appreciated... Emergency funds: 4 months of expenses Debt: Student Loan (6K @ 4.75% fixed), Car Loan (10K @ 1.99%), and Mortgage (223K @ 3.00% for 20 years) Tax Filing Status: Married Filing Joint Tax Rate: 25% Federal, 6% State Income: 102K State of Residence: AL Age: ...
by kfindley79
Fri Feb 08, 2013 11:03 pm
 
Forum: Investing - Help with Personal Investments
Topic: Help with portfolio
Replies: 6
Views: 604

Re: opinions on sewer line back-up

Greetings all! A quest for opinions. We recently (about 2 months ago) completed a major basement project, though we missed dealing with our sewer line (from the house to the street -which is our responsibility) and this has come back to haunt us. We had a back-up last night through an old drain tha...
by kfindley79
Thu Jun 24, 2010 4:18 pm
 
Forum: Personal Consumer Issues
Topic: opinions on sewer line back-up
Replies: 13
Views: 4130

I don't know about anyone else but I'm thinking the car payment should be gone yesterday.

Personally, 50% of my net income towards housing... I would have a hard time sleeping at night if I were in that situation.
by kfindley79
Tue Apr 13, 2010 1:41 pm
 
Forum: Personal Finance (Not Investing)
Topic: should I buy this house?
Replies: 32
Views: 3209

Get rid of the debt first.
by kfindley79
Tue Apr 13, 2010 1:37 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loan or Invest?
Replies: 14
Views: 2012

Re: Pay off Student Loan or Invest?

Hi, 1. I can not deduct student loan on my tax return due to income limits. 2. Monthly payment: $138.33 3. Loan values below... Subsidized Consolidation Loan - 4.5% - $6,487.06 Unsub Consolidation Loan - 4.5% - $7,710.41 Should I pay these off or use the money elsewhere? Thanks! Depends...do you ha...
by kfindley79
Tue Apr 13, 2010 12:11 pm
 
Forum: Personal Finance (Not Investing)
Topic: Pay off Student Loan or Invest?
Replies: 14
Views: 2012

Any funds removed from the emergency fund would be replaced as soon as the car is paid off - we would then have $800 to fund the account instead of the current $400.
by kfindley79
Sun Apr 11, 2010 1:07 pm
 
Forum: Personal Finance (Not Investing)
Topic: Any suggestions?
Replies: 4
Views: 644

Any suggestions?

Current situation… Married with no kids. Both 30 years old. Wife makes 46K a year and I make 57K. We have a mortgage payment of $1,468 per month (231K @ 5%). Our only other debts are a student loan (9K @4.75%) and a car loan (14K @2.9%). We have 10K in emergency funds. Wife contributes enough to 401...
by kfindley79
Sun Apr 11, 2010 11:49 am
 
Forum: Personal Finance (Not Investing)
Topic: Any suggestions?
Replies: 4
Views: 644

Re: For the BMW owners - thinking of getting a 3 or 5 series

I'm thinking about replacing my daily car from my clunker to a 3 or 5 series BMW (thinking of the smaller engine, 325i or 525i). I spend about 2 hours a day commuting back/forth and while generally I would just get a honda or toyota, I want something I can enjoy a bit more since I'm spending so muc...
by kfindley79
Sun Apr 11, 2010 11:15 am
 
Forum: Personal Consumer Issues
Topic: For the BMW owners - thinking of getting a 3 or 5 series...
Replies: 115
Views: 11088

Re: HELP!! I've Got Deal Fever! [vehicle purchase]

I am considering selling one of my vehicles and purchasing another one. It seems like a good deal but I don't think I am able to view it pragmatically because I'm too excited to be objective. THE DEAL: Sell my 2005 GMC Sierra Pickup for $18,500 and purchase a certified preowned Honda Pilot for some...
by kfindley79
Sun Apr 11, 2010 11:08 am
 
Forum: Personal Finance (Not Investing)
Topic: HELP!! I've Got Deal Fever! [vehicle purchase]
Replies: 16
Views: 2267

FCM wrote:With respect to the Escalade 24" wheels not lasting a year, is that because a thief will steal all 4 of them off the vehicle, similar to what happened to a neighbor of mine?


Hadn't thought of that as a cause but I suppose that is another risk when you roll the "big wheels".
by kfindley79
Sat Apr 10, 2010 11:19 am
 
Forum: Personal Consumer Issues
Topic: Worst Cars on the Road
Replies: 26
Views: 4230

The big Caddy SUV. Perfect for those with more money than brains. Why buy the Chevy / GMC version when you can spend more for the same thing. Handles like boat and consumes gas like one too. Every Escalade I've come across is plastered in political bumper stickers of the most ignorant kind. The dri...
by kfindley79
Fri Apr 09, 2010 8:59 pm
 
Forum: Personal Consumer Issues
Topic: Worst Cars on the Road
Replies: 26
Views: 4230

New here...

Just wanted to say hello to everyone at my new "home". I have only been a member of this site for two days but I already enjoy reading this site several times per day. I stumbled across this site via a link from FatWallet and I only wish I had found it sooner! I look forward to engaging di...
by kfindley79
Fri Apr 09, 2010 9:39 am
 
Forum: Personal Finance (Not Investing)
Topic: New here...
Replies: 4
Views: 795

BogleMe, There are so many advantages to my job, I can hardly believe it. In addition to my salary, (I did work quite a bit of overtime, and I got two promotions in the last year.), I get a pension for the rest of my life, I work about 90 days a year, I have one of the most respected jobs in the wo...
by kfindley79
Fri Apr 09, 2010 9:32 am
 
Forum: Personal Finance (Not Investing)
Topic: New baby and apparently my wife and I make too much
Replies: 17
Views: 3037

Does anyone have any experience with Liberty Mutual? Apparently PenFed members get a special group rate discount. I'm currently a customer (Auto & Home) of Liberty Mutual. Their customer service is top notch and I have no real complaints about them. I currently pay ~$650 a year for Homeowner's,...
by kfindley79
Thu Apr 08, 2010 11:42 am
 
Forum: Personal Finance (Not Investing)
Topic: Auto and Home Insurance Questions
Replies: 32
Views: 4335

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