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Posts By RickAstley
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Money Talk
re: What are your realistic 5 year financial goals? - RickAstley
I'm 25: Max out Roth IRA annually (doing this now) Max out 401(k) annually (2 year goal) Max out HSA annually (2 year goal) Placed down payment towards first home (3 to 5 years out) Build up a 6 month emergency fund (2 year goal) Pay off wife's graduate school tuition (1 year goal) Pay off wi...
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re: Suggestions For Lowering Monthly Bills? - RickAstley
Good suggestions. I've got some work to do on saving in other areas, such as groceries and the cellphone. I am going to give AT&T a call, and see what I can achieve with them....
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Suggestions For Lowering Monthly Bills? - RickAstley
I have seen people here report ways for reducing the costs of their monthly bills, and I am interested in taking some of those steps. I have had AT&T's U-Verse internet service for 6 months, and they recently increased the rate by a $1. Tiny increase, yet frustrating because there is nothing in the ...
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re: Debt payoff thread- post the amount and time it took - RickAstley
Wife- ~$52k That was from her undergrad and she is still working on her masters. We've knocked off the high interest rates and whittled down the total balance to about $33k. Now we are focusing more on savings and paying current bills. All but two of her remaining loans are subsidized and will no...
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re: Moving money out of savings suggestions - RickAstley
I have no experience with Edward Jones, yet I know they are not necessarily a board favorite. My company uses John Hancock for our 401(k), and all of my other investing is through Vanguard, Roth IRA and taxable (thanks to feedback from the board and other research). For your purposes, you could inve...
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re: Is there a more ridiculous exercise in America than filing taxes? - RickAstley
[img]http://www.glasbergen.com/wp-content/gallery/money/money6.gif[/img]...
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re: Side jobs for extra $$$$ - RickAstley
I think temp work has several practical benefits, beyond just being extra money. That's a pretty amazing story and one I do find to be very realistic for many people. The company I work for specializes in supply chain consulting, and I guarantee you that half of the so called supply chain experts...
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re: At what age did you start saving for retirement? - RickAstley
I opened both my Roth IRA and 401k at 23. Age 25 now so 2 years of investing for retirement officially under my belt....
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re: Side jobs for extra $$$$ - RickAstley
[quote]I evaluate numismatic collections to settle estates and in divorce cases. I have been offered bribes to either under and over-estimate collections. I've also been able to pick up some nice coins in the process. My reputation is good and word-of-mouth has kept me as busy as I want to be. [/quo...
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re: Side jobs for extra $$$$ - RickAstley
Having a choice in what your side job is versus being forced into a side job for extra money makes the opportunity very creative. I personally would look for a side job that will benefit me in some ways mentally or physically. Examples: Physical Activity 1) Lawn care 2) Temp work during peak s...
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re: What changed your financial future for the better? - RickAstley
There's been a number of things that have improved my life financially although I'm still only at the early stages of the journey (25 years old). I have a lot of respect for my dad and the help he has been for me. He paid my way through college and kept me working every summer from junior high th...
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re: 401k with 4% Company match? - RickAstley
[quote]We're 50% of the first 6%, so basically 3% max. I think its "ok" for the size of the company... Certainly not great, but I'm grateful to have something.[/quote] This is the same for my company. Every year we have gotten a profit sharing bonus applied to our 401(k) that varies between 1.5% ...
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re: 2015 TDMTFSS (SECOND Standings Update, 3/20/2015) - RickAstley
[quote]Brink, the MarketWatch main screen shows we have 78 players enrolled in our game but the ranking screen only shows 36 players ranked. Any idea why that is? [/quote] I noticed I was not on the leaderboard until after I made my first trade. A few weeks ago I set up a list of trades for ho...
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re: 2015 Roth Contributions - RickAstley
I try to pay a year's contributions up front if I can. However, I am DCA $250 twice a month into my Roth for 2015 until it's maxed. Either that, or I will pay off the remaining balance when I get a little more money in my pocket....
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re: Books: What have you read? - RickAstley
I've read the following Millionaire Next Door A Random Walk Down Wallstreet And I have John Bogle's book [i]Enough[/i] on the counter to read as my next book. It's been sitting there for a few months sadly enough. I have a lot of catching up to do in the year 2015....
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re: Long Term Life Planning - How detailed do you get? - RickAstley
[quote]I'm thinking about starting a personal project to detail how our money will be made and spent over the course of ten years. Included will be multiple goals and necessities that we want. I want it all documented. Am I about to get too nit picky? [/quote] Yes you are being too nit picky w...
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re: A Random Walk Down Wallstreet. Thoughts?? - RickAstley
I originally bought both The Intelligent Investor and A Random Walk Down Wallstreet. I have yet to read the Intelligent Investor, primarily because some parts were over my head and I preferred getting a background before returning to the book. Since then I have completed A Random Walk Down Wallst...
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re: What is/was your plan to gain financial security? - RickAstley
Financial security to me (at this point in my life) is where I have invested enough money towards retirement so that if there ever comes a point where if I have to cutoff payments, I won't be stressing about having enough money when I am out of work. I am pretty sheepish when I start playing with...
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re: What is/was your plan to gain financial security? - RickAstley
1) Get wife out of student loan debt 2) Contribute ~$15,000 a year towards retirement funds for the next 7 years. Assuming the funds grow at 8% until I am 60, I will have have nearly $3 million staring at me in retirement. This $15,000 a year goes on top of where I currently am at. (The big numbe...
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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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Posts By RickAstley
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