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Posts By RickAstley
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Article On Managing Taxable and Tax Advantaged Accounts - RickAstley
For anyone who is looking for direction on what to purchase across their accounts, here is an informative [link=(https://personal.vanguard.com/us/insights/article/tax-time-kilroy-082014)]LINK[/link]. The article is geared towards allocation and taxes, but offers a chart at the bottom with a general ...


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re: What is your student loan interest rate? - RickAstley
My wife has interest rates of: 7.50% 6.80% 5.60% 4.50% 3.86% 3.40% 2.50% We have knocked out the 7.5% and are working aggressively on the 6.80%. Some of those are subsidized and not accruing interest yet since she is working on grad school. The plan is to pay off the 6.80% then reevaluate ...


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re: Millennials aren't marrying and they're not buying houses - RickAstley
I've married, yet I have not started saving up for a home. I am helping my wife pay off student loans, and we currently are at least 2 years out from a home purchase. Buying a home will be an afterthought until we start seeing greener pastures....


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re: How Does Your Salary Compare To Others? - RickAstley
[quote]He needs to know that you know though. But honestly I would suggest if you want a raise to start looking for a new job.[/quote] This is a recurring statement that I am not opposed to, yet I question why it must be necessary. Are there not additional suggestions involving the bargaining for...


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re: How Does Your Salary Compare To Others? - RickAstley
[quote]It's very hard to determine for me, because my position title is varied by organization[/quote] This can make looking up information difficult. Even if your position is listed with salary data to compare to, you still need to confirm at times if the posting is 1-3 years old or beyond. I kn...


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re: How Does Your Salary Compare To Others? - RickAstley
[quote]You can always show your boss the comparisons and see what he says. I can promise you he dreads this conversation more than you. [/quote] I certainly believe this is true with my boss. [quote]Its best to do long before raise time, as raises are usually in pools and managers argue over t...


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re: How Does Your Salary Compare To Others? - RickAstley
Glassdoor will display data received from people assumed to be employees of each company. If you are a Business Analyst for Company A and you want to rate your company, you can log information about your position, the company, and the salary you make. Glassdoor will display the information to help o...


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re: How Does Your Salary Compare To Others? - RickAstley
I will definitely admit I took a very low starting offer for the typical compensation found in the field. To me I was unproven and the salary felt justified at the time. I have received higher than the expected 0-5% salary increase for the past few years, which is a positive. Unfortunately, the sala...


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re: How Does Your Salary Compare To Others? - RickAstley
I did interview earlier this year with a different company but for the same job. Although I did not get the offer, I know that company pays salaries well beyond what I currently make (A range increase of $20k - $30k) and the work is nearly identical. I consider that company to be near the top with r...


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re: How Does Your Salary Compare To Others? - RickAstley
I'm open to ideas, as I am looking for general discussion. I personally was not accounting for standard of living, or a number of factors in my OP. I do not know what factors impact my position's average the most beyond level of experience....


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How Does Your Salary Compare To Others? - RickAstley
If you research the average salary for your position across the U.S. how do you stack up against it (using information from sites such as Glassdoor, and recruiting firms)? I am not necessarily asking about how you compare to your associates in the same position within your company. I am approachi...


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re: Marriage Roth IRA and Tax Questions - RickAstley
Thank you for your feedback. I asked the dependent question due to when I was playing with the [link=(http://apps.irs.gov/app/withholdingcalculator/)]W4 Calculator[/link] provided by the IRS and I know she has been a dependent prior to this year. I feel much better so far...


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Marriage Roth IRA and Tax Questions - RickAstley
These questions are based on a status of Married and filing jointly for 2014 and going forward. Roth IRA: We both qualify and plan to max out our 2014 contributions towards our Roth IRA. My concern is if my wife makes less than $5,500 or if she does not work at all in 2015 will we still be able ...


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re: 401k averages? Saving too much or too little? - RickAstley
The figures listed seem pretty high. I personally think people should be aggressive with paying off loans and investing for their future right out of college. Yet, maxing out the 401(k) seems pretty unattainable for most of my friends, much less my parents' generation. The problem I see several of m...


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re: Has anyone graduated from school, started working - RickAstley
Fortunately I have not been in that position. Do you mind expanding on whether it is solely your career or the company you are currently at? For the degree I acquired (computer engineering), if I don't like my career (software development) I still have some other career options in the barrel I wi...


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re: MT: Keeping The Course - RickAstley
Props to you with managing the course with all of the responsibilities you have to maintain. Your post reassures me to keep an aggressive pace with saving/investing while children are not in the picture. I feel like I would need two jobs at least, if I had children in the picture....


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re: Long term investment options - RickAstley
If you have a long term window of investing, shoot for the Total Stock Market index fund as already suggested....


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re: Long term investment options - RickAstley
[quote]It becomes admiral at 10k? [/quote] Yes, you're eligible to convert starting at $10k....


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re: Budgetary Excel Modeling - RickAstley
I spend several hours each work day writing software and building out reports based on business data. I also spend several hours a week maintaining a centralized record of my budget in Excel. At the end of the day, I rarely apply my knowledge from work to the spreadsheet I've built, although I have ...


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re: MT: Keeping The Course - RickAstley
[quote]The market was tanking, the money I was putting in was quickly evaporating and it freaked me out, so I temporarily halted my contributions.[/quote] I've been fortunate to start while the market is climbing up. If it was steadily going down, I don't think I would have invested anything and ...


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Posts By RickAstley