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Posts By RickAstley
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Money Talk
re: How often do you get a raise? - RickAstley
I currently receive a raise on an annual basis. I am also still at the early stages of my career and nowhere near the ceiling. If I stay at my respective company I can see the annual raises ongoing for the foreseeable future. If I changed jobs for an increased salary, raises might be hard to come by...
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Money Talk
re: What do you consider as Middle Class in America today? - RickAstley
My thoughts on the matter center around your ability to live with what you make. If you are buried in debt or make next to nothing and struggle day-to-day financially you are lower class. Middle class is a person/family that is able to buy a house, support themselves as well as others, and budge...
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Money Talk
re: What do you consider as Middle Class in America today? - RickAstley
You are middle class. Once you're debt free, you will be well on your way to upper middle class....
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Money Talk
re: It feels great to take a bite out of debt! - RickAstley
[quote]Too bad the lottery isn't today because I'm feeling great. Paying off debt is an awesome feeling. [/quote] That is probably a good thing. You already finished on a strong note, no need to slip up now. :cheers:...
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Money Talk
re: How much are you down .. - RickAstley
Just looked at each account and I am across the board: 401k = -8.15% Roth IRA = -5.95% Taxable = -5.87%...
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Money Talk
re: 401k matching question - RickAstley
[quote]All companies are different. My monthly contribution and employers match hit my brokerage account the first pay day the following month.[/quote] In this event, does your contributions from December still count towards last year's 401k contributions, although they hit in January the followi...
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Money Talk
re: Noob investing questions. - RickAstley
[quote]Question 2: Put simply, work has an option for 401k or Roth, or mixture of both. I'm fairly positive I'm going with 100% Roth. Good move? Forgive my ignorance. Thanks in advance for the wisdom. [/quote] When deciding your retirement option, check if your company offers a matching c...
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Tech Board
re: LG showing off CADs TV at CES - RickAstley
I can't wait to roll up the tv and take it to the bathroom when I drop deuce in the morning...
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Money Talk
re: Ok money guys. Budget ideas - RickAstley
Make better budgeting and planning your top priorities. I would not open multiple savings accounts primarily to avoid the extra time spent maintaining things. Have one account and use your budget planner to allocate the money to these virtual envelopes/buckets. The main reason I see a benefit of ...
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Money Talk
re: What was your 2015 401K rate of return? - RickAstley
I just calculated mine and it was -1.59% for the year. My 401k is 100% invested in a total stock market mutual fund...
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Money Talk
re: 5 months away from graduating w/ an MA - When should I start applying for jobs? - RickAstley
You should already be applying. The earlier you start the more you learn about yourself and job availability (work on resume and read over job openings). My wife wrapped up her MBA recently and started working part-time for a firm with about 4 months left of school. That part-time job grew into a fu...
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Money Talk
re: How many have cut the cord..... - RickAstley
I got rid of cable in 2009. There was a two year stretch in between when I split cable with others, but beyond that I've solely relied on internet streaming services. Overall life has been great ever since. I might have had it better than others cutting cable as I rarely watched cable when I did hav...
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Money Talk
re: What are you doing to increase savings in 2016? - RickAstley
Improvements I am looking for in 2016: * wife will be starting full-time work, humble brag 1) Pay off wife's student loans 2) Max out HSA 3) Max out wife's Roth IRA 4) Max out 401k 5) Contribute 6% of wife's salary to 401k 6) Increase emergency fund 7) Begin saving for a home 8) Replac...
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Tech Board
LED Bulbs and Surge Protection - RickAstley
I am transitioning my light bulbs one-by-one from incandescent to LED. Do I need to offer any protection to these bulbs that normally would not apply to incandescent? How about smart bulbs (wifi or bluetooth enabled LED bulbs)? Am I going to risk losing a swath of bulbs after a storm comes through?...
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Money Talk
re: What % of gross annual income do you pay in Rent/Mortgage? - RickAstley
My rent for 2015 was 12% of gross annual income. Rent for 2016 is looking like to be 11.4%. My rent is going up but my wife just got a job, which is helping considerably versus her in grad school....
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Money Talk
re: Looking For Advice About Rent Payments and New Landlord - RickAstley
Thanks all for the replies. I had some assumptions that it might be related to taxes. I reached out to the landlord prior to meeting him this weekend and asked about the form of payment. I was able to go the route of using a check and will continue to do so going forward. His reasoning to me about g...
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Money Talk
Looking For Advice About Rent Payments and New Landlord - RickAstley
I am about to begin renting with a new landlord. The landlord has requested rent payments by cash or money order to establish a payment history before accepting checks, etc... Does this seem odd or is this a common practice? I do not know how to reassure the landlord that I will not pay with a bad c...
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Money Talk
re: What Should Be Considered Before Owning a Rental Home? - RickAstley
Thanks for the responses and the suggestion of reading biggerpockets.com. I've spent some time on there the past 2 days and it is very helpful....
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Money Talk
re: What Should Be Considered Before Owning a Rental Home? - RickAstley
I am not opposed to that approach, and that is a possibility if I were to buy a rental I am eyeballing. The house I am looking at requires some work which I might benefit more by living there and seeing what needs repair....
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Money Talk
What Should Be Considered Before Owning a Rental Home? - RickAstley
Looking for advice from the board. I am interested in knowing what type of costs and considerations I should be aware of before dipping into the realm of owning a rental house. I currently do not own any property and I am renting at this time. The idea I am toying with is to continue renting where I...
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Posts By RickAstley
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