Recent content by 62caster

I just checked term4sale with my standard plus health rating and it seems to be in line with what I've received.. I know I need 750k. What I don't know is if I want to pay $913.47 for a 30 yr, $734.99 for a 25 yr, or $538.49 for a 20 yr.

Thank you everybody for the suggestions.. So it's settled, I should stick with the higher face values. I will add that I have about 180k through work, but of course that can always go away. My wife has a policy to cover childcare if something happened to her. Otherwise she is a stay at home mom...

Hi all, I'm shopping term insurance right now, and need a little feedback on what may be best. My wife and I are both in our mid twenties with 3 little kids (under 3). I make about 66k a year, no debt except a 250k mortgage. Here are my annual options for a 30 year term. 500k 628.98 550k...

I appreciate all the feedback here... I do not have any credit card debt, but I do have about 12k spread evenly across 4 student loans (interest rates vary from 5.75-6.5). I've debated taking 3k and paying off one of those, but that would only give me about $45 extra per month in terms of cash flow.

Hi all, I currently have about 20k in my emergency fund (monthly expenses are about 4k). I'm currently employed and my job is stable. I figure I could probably get away with taking out 5k or so to invest. Would you agree? If so, I was thinking of putting it into an S&P fund (used to have some...

Thanks for the help everybody.. Pretty sure I'm going to be doing some reallocating in the new year.

Thanks for all the great replies... I never thought of being in 100% equities. It's definitely an interesting option, although I'm trying to build up my risk tolerance... Although, to pb4uski's point, I have been concerned about the interest rate risk on the bonds... How much of a swing could...

Hello, Seeking some advice/tips/critiques on my current 401k investments.. I'm 24, make around 55k a year, put at least 6k a year into my 401k (4k of mine, plus a 2k max. employer match). Current 401k balance is around 20k. I'm currently investing 75% in SPTN 500 INDEX ADV (FUSVX) and 25% in...