Search found 6 matches

by Stradovinski
Sun Sep 16, 2018 8:26 am
Forum: Personal Finance (Not Investing)
Topic: Account tax liability mix for retirement
Replies: 4
Views: 461

Re: Account tax liability mix for retirement

Thank you everyone for their thoughts. Much appreciated.
by Stradovinski
Fri Sep 14, 2018 10:12 pm
Forum: Personal Finance (Not Investing)
Topic: Account tax liability mix for retirement
Replies: 4
Views: 461

Account tax liability mix for retirement

Kind of an odd question. I've looked for this around the web and maybe I just don't know how to word the search I struggled in what to title this post). Maybe there really isn't an answer but thought I'd throw it out there to the masters. Thinking about retirement savings, what might be an approxima...
by Stradovinski
Fri Sep 14, 2018 9:00 pm
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2636

Re: Paying down mortgage vs investing

When I hear one advantage of not paying off early is due to liquidity, does that mean that the money would be invested in safer investments like ibonds, money market, or CDs? Doing so would be safer but would not beat 3.6% mortgage rate. And that is the fair comparison, but taxes can make it worthw...
by Stradovinski
Fri Sep 14, 2018 8:40 pm
Forum: Personal Finance (Not Investing)
Topic: Is it a problem that our mortgage lender doesn’t report to credit bureaus?
Replies: 11
Views: 837

Re: Is it a problem that our mortgage lender doesn’t report to credit bureaus?

I refinanced a few years back through them. Nothing fancy, just a 30 year loan. Mine does show up on my credit report so it must be something with the type of loan it is.
by Stradovinski
Fri Sep 14, 2018 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Paying down mortgage vs investing
Replies: 30
Views: 2636

Re: Paying down mortgage vs investing

I had this situation and took the 30 year. You could always make additional principal payments to retire the loan in 15 years or so, however you would retain the flexibility to make the lower payment should the need arise. If you change your mind and decide to invest the option is there, or you coul...
by Stradovinski
Wed Apr 04, 2018 9:18 pm
Forum: Personal Finance (Not Investing)
Topic: Health Savings Account
Replies: 11
Views: 1521

Re: Health Savings Account

Unfortunately I don't have a definitive answer, but keep in mind that you can use HSA funds for previous year's expenses as long as they are incurred after the HSA's initial opening date. If you are able to "drag out" the time period to pay the expenses, you could potentially come out ahead by letti...