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  1. Refinancing my house questions

    Sounds like it went well for you. You probably had a large interest reduction to reduce it that much.
  2. Refinancing my house questions

    I see what you're saying now. We aren't currently putting any extra aside but will keep that in mind for the future. We owe less on it than what a new car cost so we have started investing in other areas. Almost all of our payments go to the principal at this point so we have decided to...
  3. Refinancing my house questions

    I could be wrong. It's happened before. I see what you're saying. Honestly asking not trying to sound off. What's the difference in paying $100 each month for 22 years (I'm just using that as to say that's when it's paid in full) or saving that money $26,400 and giving that to them in on...
  4. Refinancing my house questions

    We refinance from a 30 to a 20 at 8 years in. This was about 10 years ago, rates were a little higher then. But we are at the point where it would cost us more in the long run to refi again. We have a guy that helps us with our investing. We had been paying extra every month. He suggested...
  5. 401k-Roth IRA- company doesn't have matching.....????

    I use an investment company. I'm sure it could be done with out one though.
  6. 401k-Roth IRA- company doesn't have matching.....????

    I wasn't trying to say you were trying to it was more of a people in general statement. FYI
  7. 401k-Roth IRA- company doesn't have matching.....????

    50 k a year would be hard just about anywhere to have extra money to invest IMO. But there's definitely a keeping up with the Jones's these days that people can't seem to get past. I bought my house when I was 20 making 13 an hour. Times were very tight till I started getting raises. I never...
  8. 401k-Roth IRA- company doesn't have matching.....????

    Then I would look at there investment portfolio and see what there average gains are. Then talk to some investors to see what there's are and go with something. The sooner you start the better
  9. 401k-Roth IRA- company doesn't have matching.....????

    Hell I'm almost 40. We have a couple of little ones started. We have been meeting with a guy and he said I need to invest 1800 a month to retire at 65. I wish I had started earlier as well.
  10. 401k-Roth IRA- company doesn't have matching.....????

    If you can afford it put in as much as they will match. That's free money.
  11. I have a question?

    Discount tire starts at 10 an hour. My son has only been there for about 2 months and received 2 raises so far. He's supposed to be over 13 an hour by the end of the year. He's only part time so he can go to school. Good workers are impossible to come by and keep right now. I feel your...
  12. Anyone here buy stocks?

    I miss spoke. Financial planner is what I meant. The guy we are using currently was very eager to help us but it appears all he's doing is collecting his fees. We are set to meet with a new one in a couple weeks to see what he can do. According to our current one I should have a few million...
  13. Anyone here buy stocks?

    We've been using a broker. We are about to change who we are using. We have lost about 7% in the last 20 months. I wasn't paying attention to what he was doing. Needless to say I am pissed. How can you lose that much while stocks have been going up? I get that there is some fluctuation but...
  14. IRA's for Young People

    I would start with savings then go to Roth. I have some in everything and the roth seems to be the steadiest. Not the fastest but steady but l dont need it yet
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