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Favorite team:LSU 
Location:Reno, Nevada
Biography:I created the song behind the Rick Roll
Interests:Rick Rollin', Gingers
Occupation:Music Maker & Soul Stealing
Number of Posts:1708
Registered on:5/1/2011
Online Status:Not Online

Recent Posts

Message
re: Tax Refund Correction Question - RickAstley
Thanks for everyone's feedback. I will wait it out based on the overall opinion. If IRS comes my way I will bump this thread with updates at that time. :usa:...
Posted on Money Talk
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re: Information for my fellow Real Estate Investors - RickAstley
I do not have anything to add information-wise, but thanks to all for this thread! There is some great information being shared here and I am appreciative of everyone's efforts :cheers:...
Posted on Money Talk
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Tax Refund Correction Question - RickAstley
I filed both my federal and state taxes already. My wife just got a document in the mail for her checking account that earned $10 in interest. Should I complete a correction to my tax return? How much risk am I facing by not acknowledging this $10 in interest in her checking account?...
Posted on Money Talk
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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...
Posted on Money Talk
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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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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....
Posted on Money Talk
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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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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%...
Posted on Money Talk
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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...
Posted on Money Talk
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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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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...
Posted on Tech Board
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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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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...
Posted on Money Talk
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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...
Posted on Money Talk
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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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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...
Posted on Money Talk
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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?...
Posted on Tech Board
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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....
Posted on Money Talk
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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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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...
Posted on Money Talk
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