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Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52777614 added 08-27-2012 12:56 PM by Ancalagon in Archived Deals
I have two questions: Where is the best place to put my money while saving for a house? Should I stop contributing to my 457(b) and move it to a Vanguard fund? First, the house. I'm 25,...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52796024 added 08-28-2012 6:57 AM by Formless in Archived Deals
Agreed with Brian1 What I might suggest is that you work for a higher percentage than 3% into your retirement. I'd try to at least do the $5,000 max contribution to a Roth and work from there. ...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52896742 added 08-31-2012 8:22 PM by wi1ll in Archived Deals
Crap, how are the houses where you guys live so cheap! Houses in Brooklyn, NY are like 700K+!
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52797314 added 08-28-2012 8:00 AM by Ancalagon in Archived Deals
I estimate I'll have about $18,000 saved by the end of my current lease in April 2013, if I stay there another year, I can have conservatively $36,000 for a down payment. I'd probably be looking at...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52908546 added 09-01-2012 12:40 PM by Ancalagon in Archived Deals
We're rarely over 10% at maximum utilization, so at statement close we're typically around 5-7%. I'd like to put a lot into the Roth early while our incomes aren't going towards kid expenses and...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52822716 added 08-29-2012 4:51 AM by barnz008 in Archived Deals
Know the risk, accept the opportunity cost(s) and don't trust anyone with your money.
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52799566 added 08-28-2012 9:33 AM by zarfus in Archived Deals
Conventional PMI typically has a minimum requirement of 2 years (decided by lender) and then until you get 78% LTV (based on a lender's assessment). FHA MI has the minimum of 5 years, but if he's...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52865740 added 08-30-2012 4:04 PM by Brian1 in Archived Deals
Yes, if you'd like to contribute more than $5,000 per year. Concerning the credit cards, if you'll keep your utilization ratio under 7%, you'll be well on your way to higher credit scores.
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52797518 added 08-28-2012 8:09 AM by Formless in Archived Deals
Careful with the PMI. If you do an FHA loan, you'll pay PMI for at least 5 years even if your equity is 78% or less. You'd need to refinance to get rid of the PMI (and thus pay some new closing...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52790316 added 08-27-2012 10:41 PM by Brian1 in Archived Deals
Concerning the house, how long do you think it will be before you have enough saved up for a down payment on a home? Concerning your retirement, if there is no match for the 457(b), I'd forgo it,...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52813220 added 08-28-2012 7:05 PM by Ancalagon in Archived Deals
According to CreditKarma, mine is 724 and my wife's is 752. I have about $10,500 in student loan debt left from my MBA which is our only outstanding debt. Both cars are paid off, etc.
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52813464 added 08-28-2012 7:16 PM by Brian1 in Archived Deals
Do either of you have any credit cards?
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52802908 added 08-28-2012 11:27 AM by Brian1 in Archived Deals
I estimate I'll have about $18,000 saved by the end of my current lease in April 2013, if I stay there another year, I can have conservatively $36,000 for a down payment. I'd probably be looking at...
Saving for a house & re-structuring my retirement
Expired
Thread created 08-27-2012 by Ancalagon
0 Score 13 Replies 1,983 Views
Post #52865320 added 08-30-2012 3:35 PM by Ancalagon in Archived Deals
She has a Discover through Wells Fargo, I have a credit union Visa, then I have an Amex Blue and Chase Sapphire Preferred that she's an AU on. Back on the retirement topic, our Hartford rep was in...

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