Search found 11 matches

by JoeNJ28
Wed Oct 17, 2018 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Paying off the mortgage early - Isn't this the opposite of "putting more money into your house"?
Replies: 96
Views: 8985

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: 1007

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: 1189

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: 1008

Re: Auto loan dispute

Did they tell you what the error was?
by JoeNJ28
Fri Sep 21, 2018 10:51 am
Forum: Local Chapters and Bogleheads Community
Topic: Post your Financial Milestone Announcements Here
Replies: 511
Views: 58583

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: 36
Views: 2622

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: 12180

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: 3225

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: Investing - Help with Personal Investments
Topic: What to do after losing $117k in stock market?
Replies: 199
Views: 28572

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: 353

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: 353

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%...