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Results tagged with Search options user 5393

a generic tag related to accumulating cash or bank deposit savings.

3
votes
(getting rejected is hard), but then you're suddenly faced with a gut-wrenching, "how am I gonna pay the rent????" If you have no savings, it's terrifying. Put yourself in that spot. Imagine that … it out.) Here you keep saving and investing that 40% in solid mutual funds in a regular, taxable account. Between your savings and the compounding returns off the investments, you could easily have a …
answered May 29 '14 by Patches
8
votes
), there's no need for it. $80 savings. Cell phones -- you're already moving in the right direction, but not far enough. In a financial crunch why does your stay-at-home wife have a cell … ? Especially when she could just as easily use Google Voice for free? Both plans gone, replaced by one of the prepaids @$45. $105 savings, total $186 savings. 529 plans -- Of course you want to …
answered Jul 3 '12 by Patches
2
votes
If you want NO risk, then your options are savings accounts, CDs, or Treasury Notes. With savings accounts you get dog spit, with 5-year CDs you get 2.2%, and with 5, 7, and 10-year Treasury Notes … out. Put that money in a savings account, or in 1-year CDs making 1%, and wait for interest rates to go up. Inflation will erode it somewhat until then, so you're hoping it goes up soon. It sucks …
answered May 13 '14 by Patches
12
votes
Avoiding tobacco, etc is fairly standard for a fund claiming ethical investing, though it varies. The hard one on your list is loans. You might want to check out Islamic mutual funds. Charging inter …
answered Aug 25 '15 by Patches
7
votes
As the others said, you're doing everything right. So, at this it's not a matter of what you should do, it's a matter of what do you want to do? What would make you the happiest? So, what would you …
answered Dec 31 '11 by Patches
5
votes
As others have pointed out, it sounds like the problem isn't the accessibility of your money, the problem is willpower. So, address that instead. How? Willpower is both a finite resource AND a resou …
answered Sep 4 '17 by Patches
0
votes
I just plugged the numbers for the SEP-IRA into a investment calculator: $13K/year ($1083/month) for 36 years @ 8% returns is $2.7 million when you're 65. $4.6 million if you can manage a 10% annual r …
answered Mar 8 by Patches
18
votes
Easy answer -- pay down your debt. Why easy? Because you can't afford the house. The other posters mentioned it; I'll tackle it too: Your $1445/month mortgage payment estimation is just that - mort …
answered Mar 3 '12 by Patches
1
vote
. Sounds like the high yield savings is the way to go. The rates will be the same as what you can get from a Money Market Fund, but you also have the added advantage that the account is FDIC insured … , to not run afoul of the penalties. And it will take time to do it, which you may not have in an emergency. Considering you're only looking at getting 1% interest anyway, there's no reason to use a Roth account as an emergency fund. You can set those same automatic deposits into a savings account. …
answered Jan 7 '12 by Patches