Search found 18 matches

by JoeNJ28
Tue May 19, 2020 10:40 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Guidelines
Replies: 7
Views: 1021

Re: Retirement Guidelines

Thanks both comments make a lot of sense. Sometimes I read on these forums of people who are saving like 50% of their incomes and I think I’m doing something wrong. Appreciate the advice!
by JoeNJ28
Tue May 19, 2020 8:18 am
Forum: Personal Finance (Not Investing)
Topic: Retirement Guidelines
Replies: 7
Views: 1021

Retirement Guidelines

Hello all, I’m 30 and spouse is 26 and I’m having an issue figuring out if we are “on track” based on the fidelity you need 1x salary by 30 2x by 35 etc. When looking at it should I be using the highest age and using the household income or should I break it out by individual? Right now we make abou...
by JoeNJ28
Sat Apr 13, 2019 7:45 am
Forum: Personal Investments
Topic: Socially responsible investing
Replies: 27
Views: 5734

Re: Socially responsible investing

I’ve used SUSA by ishares it does a good job tracking its index and is pretty low cost.
by JoeNJ28
Sun Apr 07, 2019 10:07 am
Forum: Personal Consumer Issues
Topic: Mini split AC - thoughts?
Replies: 23
Views: 2125

Re: Mini split AC - thoughts?

Quiet for both indoor and outdoor unit. I have fujitsu and can hold a conversation standing right next to the compressor.
by JoeNJ28
Sun Mar 17, 2019 10:33 am
Forum: Personal Consumer Issues
Topic: Am I being cheap? Wife wants a minivan, but I want to hold off
Replies: 170
Views: 9160

Re: Am I being cheap? Wife wants a minivan, but I want to hold off

Yes you’re being cheap your resources are more then enough. Also a brand new car has safety features even the best driver can’t control others actions. Newer build better materials better chance of protecting your wife and kids worth more then an extra 30k in investments.
by JoeNJ28
Sun Mar 03, 2019 10:25 am
Forum: Personal Consumer Issues
Topic: Replacement vinyl windows
Replies: 14
Views: 1328

Re: Replacement vinyl windows

We replaced our low quality big box store windows with Pella windows and we love them. Mind you these aren’t the Pella windows you can order from a big box store they were ordered from a Pella showroom. The quality difference between the Pella showroom window and the Pella big box store window is am...
by JoeNJ28
Sat Feb 23, 2019 12:15 pm
Forum: Personal Finance (Not Investing)
Topic: 401k vanguard expense ratios??? [Employer plan fees]
Replies: 5
Views: 363

Re: 401k vanguard expense ratios??? [Employer plan fees]

Work at a place that advises on plans. Advisor ripping you off give them a hard dollar fee if not tell them to shove it. We have fiduciary liability so once a quarter we review the plan with company management. That is hardly worth .3% forever which will go up as assets go up. The amount of work sta...
by JoeNJ28
Wed Oct 17, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Isn't Paying off the mortgage early putting less money in your house (not more)?
Replies: 96
Views: 10360

Re: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?

I can hold very low risk investments that pay more than my mortgage rate. For example, a two year FDIC insured CD pays more than my mortgage rate. Holding low beta stock funds for the duration of the mortgage has worked even better -- so far. This doesn't account for inflation, which is slowly decr...
by JoeNJ28
Fri Oct 12, 2018 10:21 am
Forum: Personal Consumer Issues
Topic: Electric Lawn Mower Advice
Replies: 17
Views: 1374

Re: Electric Lawn Mower Advice

I have the ryobi ride on, absolutely love it. The only drawback to it is it doesn’t handle bumps well seat could use more padding. It mows about an acre with 60% battery remaining. The instructions say to leave it plugged in when not in use and it basically trickle charges when full.
by JoeNJ28
Thu Oct 11, 2018 6:48 pm
Forum: Personal Finance (Not Investing)
Topic: Paying for Remodel
Replies: 9
Views: 1258

Re: Paying for Remodel

We definitely want to do this project but spending saved money is hard for me! Open a credit card that's 0% for 18+ months. If approved for less than $40k, max it out and pay cash for the difference. If approved for more than $40k, max it out with no cash down. At the end of the term, pay it all of...
by JoeNJ28
Fri Sep 21, 2018 11:23 am
Forum: Personal Finance (Not Investing)
Topic: Auto loan dispute
Replies: 9
Views: 1126

Re: Auto loan dispute

Did they tell you what the error was?
by JoeNJ28
Fri Sep 21, 2018 10:51 am
Forum: US Chapters
Topic: Post your Financial Milestone Announcements Here
Replies: 1411
Views: 190507

Re: Post your Financial Milestone Announcements Here

Just passed 100k in investments at age 28, was a long road with serious financial roadblocks due to family issues that stopped any real savings from happening until around 24. While a lot of posting about 500k and 1 million I figured I would post my small accomplishment by comparison so all those lu...
by JoeNJ28
Sat Sep 15, 2018 5:20 pm
Forum: Personal Consumer Issues
Topic: Solar Install w/ SolarCity
Replies: 65
Views: 6179

Re: Solar Install w/ SolarCity

Thanks for the overview after we do a new roof we plan on having panels installed, so it’s always nice to see prices people are paying out there to get a ballpark of what it will cost.
by JoeNJ28
Tue Sep 04, 2018 12:51 pm
Forum: Personal Consumer Issues
Topic: GEICO Windshield Repair and Waive of Deductible
Replies: 27
Views: 22615

Re: GEICO Windshield Repair and Waive of Deductible

Let them renew as you shop once you cancel them they refund the difference oh what you paid versus how many days left in policy. No need to rush yourself by setting a firm date to leave. Sorry not sure about the other question.
by JoeNJ28
Fri Aug 31, 2018 7:12 pm
Forum: Personal Finance (Not Investing)
Topic: House Affordability - Question on standard advice
Replies: 35
Views: 3446

Re: House Affordability - Question on standard advice

We did 2x our income, total price of the house didn’t account for a downpayment.
by JoeNJ28
Mon Aug 27, 2018 1:46 pm
Forum: Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 30921

Re: What to do after losing $117k in stock market?

What about a mutual fund only account that doesn’t allow you to buy stocks? I know fidelity still has them.
by JoeNJ28
Sat Aug 25, 2018 1:47 pm
Forum: Personal Finance (Not Investing)
Topic: Balancing Goals
Replies: 3
Views: 402

Re: Balancing Goals

Do you count employer match in that number of 20%? But your idea is set to 20% retirement then focus spare income on jeep then student loans basically snowball method. Thank you
by JoeNJ28
Sat Aug 25, 2018 9:19 am
Forum: Personal Finance (Not Investing)
Topic: Balancing Goals
Replies: 3
Views: 402

Balancing Goals

Good Morning All, Long time lurker posting for first time, thanks for all the valuable information that is posted on this forum. Looking for some advice on order of operations on how to balance savings debt pay down and home improvement. Me: 28 Wife: 25 Me: 71.k salary about 10k bonus. Contribute 6%...