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Comments on: On keeping up with the Jones’ http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/ Advice, research and tips on improving your financial life Fri, 18 May 2012 04:32:12 +0000 http://wordpress.org/?v=2.3.1 By: 63 Fantastic Personal Finance Posts : SCN - Personal Finance http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-44792 63 Fantastic Personal Finance Posts : SCN - Personal Finance Sun, 09 Dec 2007 18:08:22 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-44792 [...] On keeping up with the Jones’ - My Personal Finance Blog [...] […] On keeping up with the Jones’ - My Personal Finance Blog […]

]]> By: The Stubborn Capitalist » Blog Archive » 63 Fantastic Personal Finance Posts http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-7264 The Stubborn Capitalist » Blog Archive » 63 Fantastic Personal Finance Posts Sun, 25 Feb 2007 21:15:23 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-7264 [...] On keeping up with the Jones’ - My Personal Finance Blog [...] […] On keeping up with the Jones’ - My Personal Finance Blog […]

]]> By: Steve http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-409 Steve Fri, 07 Apr 2006 04:59:40 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-409 It depends on a few factors. How much longer does your lock period go for? What is your current rate? How long do you plan to stay in your house? etc... It depends on a few factors. How much longer does your lock period go for? What is your current rate? How long do you plan to stay in your house? etc…

]]> By: Finance Articles http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-390 Finance Articles Mon, 03 Apr 2006 13:23:49 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-390 Hi, I'm looking for some advice on whether or not to refinance our adjustable rate mortgage now or wait for better days. It's starting to get scary and we don't know whether we should bit the bullet now or what. If anyone knows of a mortgage company that specializes in this area of personal finance, post it please. Hopefully a company with decent interest rates...we have good credit...just not much money :o) Bill and Amy Hi,

I’m looking for some advice on whether or not to refinance our adjustable rate mortgage now or wait for better days. It’s starting to get scary and we don’t know whether we should bit the bullet now or what.

If anyone knows of a mortgage company that specializes in this area of personal finance, post it please. Hopefully a company with decent interest rates…we have good credit…just not much money :o)

Bill and Amy

]]> By: trip http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-307 trip Mon, 27 Feb 2006 14:56:46 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-307 Hey Steve, This is off topic but my bride and I might be relocating to Detroit. I could not find an email for you, but drop me a line. I bet you and my bride are in the exact same business... Hey Steve,

This is off topic but my bride and I might be relocating to Detroit. I could not find an email for you, but drop me a line. I bet you and my bride are in the exact same business…

]]> By: Steve http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-305 Steve Mon, 27 Feb 2006 04:22:21 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-305 I've actually started doing just that. I haven't written about it yet but on Friday I moved roughly 1/4 of our 401Ks into money market funds. I intend to continue to 'average out' into cash until it looks like I was either wrong or the market does correct. As soon as it looks like interest rates start to drop I may allocate more to bond funds. Outside of our 401Ks, we also make monthly investments into bonds (currently I Bonds) and have money saved in T Bills and regular savings and are adding to those amounts monthly. I've still got a slightly more aggressive portfolio than you do but will be continually shifting away from equities as the year progresses. I’ve actually started doing just that. I haven’t written about it yet but on Friday I moved roughly 1/4 of our 401Ks into money market funds. I intend to continue to ‘average out’ into cash until it looks like I was either wrong or the market does correct. As soon as it looks like interest rates start to drop I may allocate more to bond funds.

Outside of our 401Ks, we also make monthly investments into bonds (currently I Bonds) and have money saved in T Bills and regular savings and are adding to those amounts monthly.

I’ve still got a slightly more aggressive portfolio than you do but will be continually shifting away from equities as the year progresses.

]]> By: Nathan Whitehead http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-304 Nathan Whitehead Mon, 27 Feb 2006 03:02:57 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-304 <i>If (really when) the larger economy slides into recession it will also affect us savers directly. The stock market has done well since the dot com bubble finished bursting. We’re due for a correction, a big one in my opinion, which will come just as the retiring Baby Boomers are needing their investments the most. Those of us who actually save money are going to be even more affected than the average person by this because ironically, we are the ones holding the investments which will lose a significant amount of their value. We have something to lose.</i> If you really think this, you should allocate more of your investments to savings accounts and bonds, and less to the stock markets (you should still put some in the stock markets for diversification benefits). I personally split 25% savings accounts, 25% bonds, 50% stock market, which reflects a moderate outlook for the future and moderate risk tolerance. If I thought there was actually going to be a big downturn, I would take half of the stock market investment and convert it to bonds, cash, and commodities. If (really when) the larger economy slides into recession it will also affect us savers directly. The stock market has done well since the dot com bubble finished bursting. We’re due for a correction, a big one in my opinion, which will come just as the retiring Baby Boomers are needing their investments the most. Those of us who actually save money are going to be even more affected than the average person by this because ironically, we are the ones holding the investments which will lose a significant amount of their value. We have something to lose.

If you really think this, you should allocate more of your investments to savings accounts and bonds, and less to the stock markets (you should still put some in the stock markets for diversification benefits). I personally split 25% savings accounts, 25% bonds, 50% stock market, which reflects a moderate outlook for the future and moderate risk tolerance. If I thought there was actually going to be a big downturn, I would take half of the stock market investment and convert it to bonds, cash, and commodities.

]]> By: Money Blog Network http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-302 Money Blog Network Mon, 27 Feb 2006 01:29:33 +0000 http://www.my-personal-finance-blog.com/2006/02/26/on-keeping-up-with-the-jones/#comment-302 <strong>Carnival of Personal Finance #37</strong> Welcome to this week's edition of the Carnival of Personal Finance. The MoneyBlogNetwork is proud to be hosting today. As a summary of each piece, we are listing each author's reason for submitting the post to the carnival (for those... Carnival of Personal Finance #37

Welcome to this week’s edition of the Carnival of Personal Finance. The MoneyBlogNetwork is proud to be hosting today. As a summary of each piece, we are listing each author’s reason for submitting the post to the carnival (for those…

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